47: Effects of High-Deductible Health Plans on Enrollees With Mental Health Conditions With and Without Substance Use Disorders

Psychiatric Services From Pages to Practice

Cameron Schilling, M.P.H, joins Dr. Dixon and Dr. Berezin to discuss the effects of high deductible health insurance plans on enrollees with mental health conditions and substance use disorder. Mr. Schilling is a programmer and data analyst from the Center for Mental Health and Addiction Policy at the Johns Hopkins School of Public Health, and an author of an article in the journal.

• Health insurance and how it works
• What is a “high deductible” health insurance plan?
• Premiums, health care utilization, and planning ahead
• Employment and insurance
• Deductibles, premiums, and health savings accounts
• Co-occurring disorders and high deductible insurance
• Healthcare utilization and high deductibles: increase and decrease
• How do people navigate this?
• The literature: high deductible insurance and bipolar disorder
• Little change when accessing care, but decrease in likelihood of seeking treatment
• Prioritization and tradeoffs
• Do people with a mental health diagnosis and those co-occurring substance use disorders access care differently under high deductible plans?
• Choice of health care plans provided by employers
• Let’s talk methods
• Impact of high deductible plans on healthcare utilization

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