34% of patients would delay care in lieu of loan program, survey finds

As employees shoulder a greater portion of medical costs, finance has become an important factor in patients’ healthcare decisions.

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ClearBalance’s healthcare consumerism survey is designed to measure patients’ awareness and perception of healthcare finances. More than 2,700 ClearBalance customers completed the survey in August.

ClearBalance partners with hospitals and healthcare providers to offer interest free financing programs to patients who are unable to afford their medical treatment upfront.

Below are four survey findings.

1. About 72 percent of respondents have employer-sponsored medical coverage and 58 percent reported their annual insurance deductible was $3,000 or less. About 54 percent of respondents have a college degree.

2. Respondents said cost is an important factor when selecting a physician (79 percent) and a healthcare provider (81 percent).

3. About 91 percent of participants said healthcare is an expense that requires more than 12 months of financing.

4. One-third of respondents said they would delay medical care if a loan program was not available.

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