Clinical Review & Education

From The JAMA Network

Rates of Psychiatrists' Participation in Health Insurance Networks Janet R. Cummings, PhD

JAMA PSYCHIATRY

independent variables were physician specialty and year groupings (2 0 0 5 -2 0 0 6 ,2 0 0 7 -2 0 0 8 , and 2 0 0 9-2 0 1 0 ).

Acceptance of Insurance by Psychiatrists and the Implications for Access to Mental Health Care Tara F. Bishop, MD, MPH; M atthew J. Press, MD, MSc; Salomeh Keyhani, MD, MPH; Harold Alan Pincus, MD

RESULTS The pe rcentage o f psychiatrists w h o accepted private n o ncapita ted insurance in 2009-2010 was significa ntly lo w e r th a n th e pe rcentage o f physicians in o th e r specialties (55.3%

[95% Cl, 46.7% -63.8% ] vs 88.7% [86.4% -90.7% ]; P < .001) and IMPORTANCE There have been recent calls fo r increased

access to m ental health services, b u t access may be lim ited o w ing to psychiatrist refusal to accept insurance.

had declined b y 17.0% since 2 0 0 5 -2 0 0 6 . Similarly, th e p e rce n t­ age o f psychiatrists w h o accepted M edicare in 200 9-2 0 1 0 was significa ntly lo w e r th a n th a t fo r o th e r physicians (54.8% [95%

Cl, 46.6% -62.7% ] vs 86.1% [84.4% -87.7%]; P < .001) and had OBJECTIVE To describe recent trends in acceptance o f

declined by 19.5% since 2 0 0 5 -2 0 0 6 . Psychiatrists' Medicaid

insurance by psychiatrists compared w ith physicians in other

acceptance rates in 200 9-2 0 1 0 were also lower than those for

specialties.

other physicians (43.1% [95% Cl, 34.9%-51.7%] vs 73.0%

DESIGN. SETTING, AND PARTICIPANTS We used data from a

2 0 0 5 -2 0 0 6 . Psychiatrists in the Midwest were more likely to

national survey o f office-based physicians in the United States

accept private noncapitated insurance (85.1%) than those in the

to calculate rates o f acceptance o f private noncapitated

Northeast (48.5%), South (43.0%), or West (57.8%) (P = .02).

[70.3%-75.5%],- P < .001) but had not declined significantly from

insurance, Medicare, and Medicaid by psychiatrists vs physicians in oth er specialties and to compare characteristics o f

CONCLUSIONS AND RELEVANCE Acceptance rates fo r all types

psychiatrists w h o accepted insurance and those w ho did not.

o f insurance were significantly lower fo r psychiatrists than for physicians in oth er specialties. These low rates o f acceptance

MAIN OUTCOMES AND MEASURES Our main outcom e variables

may pose a barrier to access to m ental health services.

were physician acceptance o f new patients w ith private

JAMA Psychiatry. 2014;71(2):176-181.

noncapitated insurance, Medicare, o r Medicaid. Our main

doi:10.1001/jamapsychiatry.2013.2862.

More than one-half o f individuals w ith a m ental illness do not re­

o f psychiatrictreatm ent. A shortage o f psychiatrists participating in

ceive any mental health services.1Am ong those w ho perceive an un­

insurance networks can result in long w a it tim es fo r an intake ap­

m et need fo r m ental health services, financial concerns represent

po in tm e n t or an inability to find an in -ne tw o rk psychiatrist th a t ac­

im portant barriers to care.1The im plem entation o f the Mental Health

cepts new patients. Patients w ho rely on o u t-o f-ne tw o rk psychia­

Parity and A ddiction Equity A ct (MHPAEA) and th e A ffordable Care

trists fo r tre a tm e n t incur higher out-of-pocket costs due to higher

A ct (ACA) w ill p o te n tia lly reduce cost-related barriers to m ental

deductibles, copayments, coinsurance, and balance billing charges.3

health treatm ent by im provingthe level o f coverage for mental health

The low rate o f psychiatrist participation in health insurance net­

services am ong those w ith health insurance and by expanding in­

works is especially acute in th e Medicaid program, which is th e larg­

surance coverage to previously uninsured populations.

est payer o f m ental health services in th e United States and dispro­

In JAMA Psychiatry, Bishop e t al2 re p o rt results from th e Na­

p o rtio n a te ly serves those w ith th e m ost disabling m ental health

tional Am bulatory Medical Care Survey showing low acceptance rates

disorders, such as schizophrenia.1 Bishop e t al2 found th a t slightly

fo r noncapitated insurance by psychiatrists. Bishop e t al found th a t

more than 4 o f 10 psychiatrists (43.1%) accepted Medicaid in 2 0 0 9 -

in 2 0 0 9 -2 0 1 0 , a low er percentage o f office-based psychiatrists ac­

2010; o n ly d e rm a to lo gists had a lo w e r rate o f M edicaid accep­

cepted private health insurance (55.3%) compared w ith other office-

tance. States th a t o p t into the ACA's Medicaid expansion w ill expe­

based specialist physicians (88.7% ). Moreover, the rate o f partici­

rience an increase in the percentage o f residents w ith m ental health

p a tio n in health insurance n e tw o rks has declined fa ste r am ong

disorders covered by Medicaid and in th e num ber o f users o f m en­

psychiatrists in recent years than am ong oth er specialists.

tal health services.4 These changes are likely to stress th e already

The relatively small num ber o f psychiatrists accepting insur­

190

overburdened system o f Medicaid m ental health practitioners.

ance may underm ine th e ability o f th e MHPAEA and th e ACA to re­

Several factors likely co n trib u te to psychiatrists' low participa­

duce financial barriers and expand access to care fo r those in need

tio n in Medicaid and o ther health insurance networks. One possi-

JAMA January 13.2015 Volume 313, Number 2

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From The JAMA N etw ork Clinical Review & Education

bility involves the relative reim bursem ent rates fo r the types o f pro­

mental health care? One strategy is to incentivize greater participa­

c e d u re s fo r w h ic h p s y c h ia tris ts are c o m m o n ly re im b u r s e d -

tio n among th e existing w orkforce in insurance plans by increasing

p s y c h o th e r a p y a n d m e d ic a tio n m a n a g e m e n t. B e ca u se

reimbursement rates fo r psychiatric services. However, in many mar­

psychotherapy can also be provided by master's-level therapists, re­

kets, it w ould be very costly fo r health plans to raise reim burse­

im bursem ent rates fo r psychotherapy visits are low er relative to

m ent rates to high enough levels th a t could compete w ith w hat psy­

m edication managem ent visits. The relative difference between

ch ia trists can charge p a tie nts w h o pay o u t-o f-p o cke t. A n o th e r

these reim bursem ent rates incentivizes psychiatrists w ho accept

approach is to increase the size o f the psychiatry workforce. H ow ­

health insurance to focus on m edication management visits.5 For

ever, this w ould take many years to im plem ent because o f the tim e

m any psychiatrists, however, a practice consisting o n ly o f tim e-

involved in training specialist physicians. Moreover, a larger w ork­

lim ited m edication managem ent visits may be personally u n fu lfill­

force may not increase the num ber o f psychiatrists w ho locate their

ing and at odds w ith th e ir values about how to practice good psy­

practices in underserved areas or w ho accept health insurance.

chiatry. The coordination o f care w ith other clinicians and the delivery

A th ird approach, and potentially the most promising, is to fu r­

o f culturally com petent, patient-centered care may require more

ther develop collaborative chronic care models (CCMs), which im ple­

tim e than th e 10 to 15 minutes typically allotted fo r medication man­

m ent team-based approaches to provide stepped care for those w ith

agement visits by insurance plans.

m ental illnesses and o ther chronic conditions.9 These models rely

The small size o f psychiatry practices may also co n trib u te to

on prim ary care clinicians to provide trea tm e nt fo r m ild to m oder­

psychiatrists' low participation in health insurance networks. More

ate mental health disorders w ith support from case managers and

than half o f office-based psychiatrists have solo practices,2 which

consultation from m ental health specialists. Chronic care models

has substantial consequences fo r administrative costs among those

make e fficient use o f psychiatrists' tim e by enabling them to pro­

w ho accept health insurance. The tim e required to negotiate con­

vide decision support fo r prim ary care teams and direct treatm ent

tracts w ith insurance companies, file prior authorization forms, file

for patients w ith the most complex psychiatric needs. However, there

claims, and recover payments fo r services requires additional staff

are a num ber o f barriers to wide dissemination o f CCMs, such as lim ­

and a concom itant increase in office space. The revenue associated

ited fle x ib ility in reim bursem ent m echanism s to su p p o rt team -

w ith participation in insurance netw orks may n o t be sufficient to

based care, lim ited resources available to train participating physi­

offset these additional overhead expenses fo r psychiatrists in solo

cians, and lim ite d in te g ra tio n o f health in fo rm a tio n te ch no lo g y

practices.

systems among comm unity-based clinicians to facilitate sharing o f

The overall shortage o f psychiatrists is a th ird fa cto r p o te n ­

patient medical records. By offering opportunities to develop infra­

tia lly co n trib u tin g to low participation in insurance networks. Be­

structures such as accountable care organizations fo r Medicare en-

cause more than three-quarters o f US counties have a severe sh o rt­

roliees and medical homes fo r Medicaid enrollees w ith "serious and

age o f p s y c h ia tris ts ,6 th e a b sence o f c o m p e titio n can g ive

persistent mental illness," th e ACA m ight reduce these barriers for

psychiatrists the fle xib ility to choose how th e y w ant to practice and

ta rg e t populations and fa cilita te im p lem entation o f team-based

can facilitate the developm ent o f practices com prising exclusively

stepped-care approaches to m ental health treatm ent.

clients w ho can pay out-of-pocket. Supply-side trends also suggest

Recent federal laws th a t expand health insurance coverage for

th a tth e shortage may worsen in comingyears. The number o f gradu­

mental health services have the potential to improve access to trea t­

ates from psychiatry residency programs declined 14% between aca­

m ent. If low rates o f psychiatrist p a rticip a tio n in insurance n e t­

dem ic years 2 0 0 0 -2 0 0 1 and 2 0 0 7 -2 0 0 8 ,7 and the num ber o f psy­

works persist, health care delivery models th a t make e fficient use

chiatrists has not kept pace w ith population g ro w th .8

o f psychiatrists'tim e am ongthose who do participate w ill be needed.

Given th e declining participation rate o f psychiatrists in insur­

F urther de ve lo pm e n t and dissem ination o f collaborative team -

ance plans, how can health care delivery systems be m odified to en­

based approaches offer one mechanism to m eet the needs for m en­

sure th a t health insurance expansions result in im proved access to

tal health trea tm e nt in th e United States.

ARTICLE INFORMATION

REFERENCES

Author Affiliation: Department o f Health Policy

1. Behavioral health. United States, 2012 [HHS

and Management, Rollins School o f Public Health,

publication (SMA) 13-4797], http://www.samhsa

Emory University. Atlanta, Georgia.

.gov/data/sites/default/files/2012-BHUS.pdf. Accessed December 5,2014.

Corresponding Author: Janet R. Cummings, PhD, Department o f Health Policy and Management, Rollins School o f Public Health, Emory University,

2 . Bishop TF, Press MJ, Keyhani S, Pincus HA. Acceptance o f insurance by psychiatrists and the implications fo r access to mental health care. JAMA

6. Thomas KC, Ellis AR, Konrad TR, Holzer CE, Morrissey JP. County-level estimates o f mental health professional shortage in the United States. PsychiatrServ. 2009;60(10):1323-1328.

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1518 Clifton Rd NE, Room 650, Atlanta. GA 30322 ([email protected]).

Psychiatry. 2014;71(2):176-181.

Conflict of Interest Disclosures: The author has completed and submitted the ICMJE Form for

3. Kyanko KA, Busch SH. The out-of-network benefit: problems and policy solutions. Inquiry.

Disclosure o f Potential Conflicts o f Interest and none were reported.

2012-2013;49(4):352-361.

BHW0RK/PEP13-RTC-BHW0RK.pdf. Accessed December 5,2014.

Funding/Support: This work was supported by the

4. Garfield RL, Zuvekas SH, Lave JR, Donohue JM. The impact o f national health care reform on adults

9 . Woltmann E, Grogan-Kaylor A, Perron B, et al.

National Institute o f Mental Health (K01MH095823).

w ith severe mental disorders. Am J Psychiatry. 2011: 168(5):486-494.

Comparative effectiveness o f collaborative chronic care models for mental health conditions across

Role of the Funder/Sponsor: The funding source

5 . Harris G. Talk doesn't pay, so psychiatry turns

primary, specialty, and behavioral health care settings. Am J Psychiatry. 2012:169(8):790-804.

had no role in the preparation, review, or approval o f the manuscript.

instead to drug therapy. New York Times. March 5, 201TA1.

jama.com

8. Report to Congress on the nation's substance abuse and mental health workforce issues. http://store.samhsa.gov/shin/content//PEP13-RTC-

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Acceptance of insurance by psychiatrists and the implications for access to mental health care.

There have been recent calls for increased access to mental health services, but access may be limited owing to psychiatrist refusal to accept insuran...
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