Out-of-Pocket Spending for Health Care Within 90 Days of COVID-19 Hospitalization
INTRODUCTION: Millions of U.S. patients have been hospitalized for coronavirus disease 2019 (COVID-19). After discharge, these patients often have extensive health care needs, but out-of-pocket burden for this care is poorly described. Using national data, we assessed out-of-pocket spending during the 90 days after COVID-19 hospitalization among privately insured and Medicare Advantage patients. METHODS: In May 2021, we conducted a cross-sectional analysis of the IQVIA PharMetrics Plus for Academics Database, a national de-identified claims database. Among privately insured and Medicare Advantage patients hospitalized for COVID-19 between March-June 2020, we calculated mean out-of-pocket spending for care within 90 days of discharge. To contextualize results, we repeated analyses for patients hospitalized for bacterial pneumonia. RESULTS: Among 1,465 COVID-19 patients included, 516 (35.2%) and 949 (64.8%) were covered by private insurance and Medicare Advantage plans. Among these patients, mean (SD) post-discharge out-of-pocket spending was $534 (1,045) and $680 (1,360); spending exceeded $2,000 for 7.0% and 10.3%. Compared with patients with pneumonia, mean post-discharge out-of-pocket spending among COVID-19 patients was higher among the privately insured ($534 vs $445) and lower among Medicare Advantage patients ($680 vs $918). CONCLUSIONS: Out-of-pocket spending for immediate post-discharge care can be substantial for many patients hospitalized for COVID-19. Among Medicare Advantage patients, post-discharge out-of-pocket spending was higher after pneumonia hospitalizations, potentially because insurer cost-sharing waivers fully covered the costs of COVID-19-related readmissions during the study period. As many insurers allowed such waivers to expire in 2021, it is important to repeat analyses among patients more recently hospitalized for COVID-19.