NEW YORK — A new program in New York City that pays low-income families for obtaining preventive medical care and for maintaining health insurance is garnering its share of praise and skepticism among physicians who practice there.
Under the pilot program, Opportunity NYC, which began in September, families will receive $20 per parent or guardian per month via wire transfer for maintaining public health insurance or $50 for maintaining private health insurance, and the same amount for maintaining insurance for all children in the family. Funding is being provided through corporations as well as from Mayor Michael Bloomberg, who conceived the idea.
The program also pays enrolled parents when their children attend school regularly, get a library card, or do well on tests. Other payments reward preventive dental care and continued parental employment.
Although the payment amount is relatively low, the hope is that it will serve as an incentive for families who already have public health insurance to actively maintain that coverage by making sure it is not disrupted when the time comes to recertify their eligibility, Linda I. Gibbs, New York's deputy mayor for health and human services, said in an interview. For the small number of participants who don't qualify for public health insurance because they are employed, the idea will help them offset the higher cost of private insurance.
The encouragement of preventive care is another component. Participants are paid $200 for each annual preventive visit to any physician in their plan. Physicians are required to provide age-appropriate preventive care. “We know that many families, even with public health insurance, are not going to those annual preventive visits.” And even when they do go, “doctors are not always providing all of the [preventive care] that the child or the adult should be getting during that visit.” So the program is building in an attempt to achieve quality standards.
Childhood vaccinations would fall under required preventive care services, she said. When the preventive visit indicates a follow-up visit or treatment is necessary for any family member, the family receives a $100 payment for that visit as well.
Dr. Mark Krotowski, who practices family medicine in the Canarsie area of Brooklyn, near the target neighborhood of Brownsville, was sanguine about the program's potential. “It's a good thing. … With the cash incentives, it'll certainly encourage the parents to bring in the kids,” said Dr. Krotowski, who is chairman of family medicine at the borough's Brookdale Hospital.
Dr. Krotowski noted that the incentives may help primary care physicians combat childhood obesity, which he says is “probably the biggest medical challenge in New York City. If we can get the kids early, we can refer them to specialists who deal with obesity and take care of them.”
The state of New York already has a fairly efficient system for providing medical care to its low-income residents via the HMO Medicaid or HMO Child Health Plus programs, added Dr. Krotowski, who is also vice chair of the New York state chapter of the American Academy of Family Physicians.
Dr. Linda Prine, a family physician at Sidney Hillman Health Center in New York, said that she is underwhelmed by the program's ability to have any real impact. “This program is a drop in the bucket and does not begin to address the problem of lack of affordable health care for the uninsured. People at this level of poverty cannot afford the monthly premiums to buy health insurance, even with a rebate of $20-$50,” said Dr. Prine, chair of the Public Health Commission of the New York State Academy of Family Physicians.
The cost of the program, which so far is operating solely from private funding, makes its long-term viability uncertain, according to Dr. Andrew D. Racine, vice president of the American Academy of Pediatrics chapter that covers the Bronx, Manhattan, and Staten Island.
The opportunity costs of a program like this also have to be addressed, he said in an interview.
“If you decide you're going to spend X amount of money to induce people to maintain health insurance, there are a lot of ways to skin that cat.” Direct cash for medicine is one option; another is to extend Medicaid enrollment to automatically last for 2 years instead of 1. “We know that there are things that we could be doing to maintain health insurance in children that we're not already doing,” said Dr. Racine, who also is director of general pediatrics at the Children's Hospital at Montefiore, in New York.