Common Access Barriers
- Cost-sharing: High deductibles and copays prevent low-income employees from seeking care
- Provider access: Limited provider networks in rural areas or underserved communities
- Language barriers: Limited English proficiency prevents effective communication with providers
- Cultural barriers: Cultural beliefs or distrust of the healthcare system prevent care-seeking
- Transportation: Lack of transportation prevents access to in-person care
- Work schedule: Inflexible work schedules prevent access to daytime appointments
Removing Cost Barriers
Reducing cost-sharing for preventive care and chronic disease management is the most effective way to improve access for low-income employees. Value-based insurance design (VBID) reduces or eliminates cost-sharing for high-value services — preventive care, chronic disease medications, and mental health care. VBID improves access for low-income employees without increasing overall plan costs.
Language and Cultural Competency
IQ Insight
Language and cultural competency are often overlooked barriers to healthcare access. Employees who cannot communicate effectively with their providers receive lower-quality care. Require your carrier and TPA to provide interpreter services, translated materials, and culturally competent providers. Evaluate your provider network for cultural and linguistic diversity.