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FEATURE What You Don’t Know About the ACA May Hurt Your Patients! The ACA Out-of-Pocket Limit: Good and Bad News for Hematology Patients Although the act sets limits on the out-of-pocket expenses a patient might face, many costs associated with hematologic care may fall outside of the limit. It is a truth universally acknowledged: paying for medical care presents a financial hardship for many Americans. As physicians in the hematology and oncology arena know, patients with chronic hematologic conditions will likely face even greater financial costs. Less well-known though, is a measure of the Patient Protection and Affordable Care Act (ACA) designed to lighten the financial burden of treating these chronic conditions: the institution of an out-of-pocket maximum or limit. According to HealthCare.gov, the out-ofpocket limit is the most that individual enrollees have to pay during a policy period before their health insurance coverage plan starts to pay 100 percent for covered essential health benefits (see SIDEBAR).1 For 2015, the maximum-out-of-pocket limits are $6,600 for an individual plan and $13,200 for a family plan. This limit must include deductibles, coinsurance, copayments, or similar charges, and any other qualified medical expense for those essential health benefits. “In the past, your coverage plan might have had an out-of-pocket maximum, but it was not required to,” Johanna Gray, MPA, vice president of Cavarocchi, Ruscio, Dennis Associates, a government relations, public policy, and strategic development firm that works with the Society, told ASH Clinical News. It is important for patients to know what is and is not included in the out-of-pocket limit, she added. “That $6,600 and $13,200 limit only applies to essential health benefits, and does not include monthly premiums, balance billing amounts for non-network providers and other out-of-network cost-sharing, or money spent on drugs that are not covered or non-essential health benefits.” The out-of-pocket limit protections began in January 2014, but many large health insurance companies were not required to include these maximums until January 1, 2015. Grandfathered plans, or those in existence prior to the ACA being signed into law in 2010, do not have to comply at all. In addition, some employer-provided plans may set out-of-pocket maximums below these levels; these lower limits, however, may not include the prescription drug plan, which can have its own maximum limit. This is allowed as long as the two out-of-pocket maximums do not exceed the maximum out-of-pocket limits set forth by the government. ASHClinicalNews.org Are Narrowing Networks Squeezing out Hematologic Care? The out-of-pocket limits that were implemented this year may help to keep health-care costs manageable for many individuals, but, for patients with chronic conditions, the costs can still pile up. “Anyone with a chronic hematologic condition will likely reach their out-of-pocket maximum fairly quickly, simply due to the number of office visits and prescription drugs involved in treating these conditions,” said Alicia Silver, MPP, a health policy analyst specializing in payer policy and legislative relations at the National Marrow Donor Program/Be The Match. For example, the main treatment for hemophilia and other bleeding disorders is an expensive clotting factor replacement therapy; some patients undergo infusions with clotting factors on a regular basis to prevent bleeding. The costs of those frequent treatments add up, Ms. Gray explained. “The average cost for severe hemophilia – just for medication – is about $300,000 per year. Depending on what insurance covers, a patient may need to pay 10 percent of each month’s prescription costs or even more,” she said. In other words, a person may have to put out their entire out-of-pocket maximum, up to $6,600, within the first few months of the year. Patients with chronic hematologic conditions face other challenges, as well. As mentioned earlier, copays and coinsurance costs are only applied to the maximum $6,600 limit if they are considered to be in-network costs. And, while the ACA set minimum standard requirements for health insurance plans, the required composition of providers offered within each network was not mandated. That can cause big problems for patients with hematologic malignancies. One examination of policies sold on insurance exchanges in California, New York, Florida, and Texas found that coverage varied widely for people with hematologic malignancies – specifically, those who might need any of the three most commonly used drugs to treat chronic myeloid leukemia (imatinib, nilotinib, and dasatinib) or the five most commonly used drugs for multiple myeloma (thalidomide, lenalidomide, pomalidomide, cyclophosphamide, and melphalan).2 [