ABSTRACT

Individuals who cannot afford out of pocket medical expenses may reduce health care use, resulting in poorer health outcomes. To ease the situation, employers turn to financial technology (“fintech”) health care credit applications. We examine whether an employer-sponsored credit fintech application (MedPut) helps employees manage medical expenses. Results of the analysis of variance (ANOVA) and probit regression models reveal MedPut users did worse financially and delayed health care due to cost more often than employees who did not use MedPut. Results may inform social work policy and direct practice perspectives on fin-tech and medical expenses.

摘要

无法负担自付费用医疗费用的个人可能会减少医疗保健的使用，从而导致更差的健康结果。为了缓解这种情况，雇主转向金融技术（“金融科技”）医疗保健信贷申请。我们检查雇主赞助的信贷金融科技应用程序 (MedPut) 是否有助于员工管理医疗费用。方差分析 (ANOVA) 和概率回归模型的结果显示，与未使用 MedPut 的员工相比，MedPut 用户的财务状况更差，并且由于成本而延迟医疗保健。结果可能会为社会工作政策提供信息，并指导对金融科技和医疗费用的实践观点。