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
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Author Affiliation: Department o f Health Policy
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