Copayments to be lower than for hospital ER care; CVS, Walgreens may become major providers
By Jeffrey Krasner Globe Staff / July 24, 2008 Some of the state's largest health insurers say they will cover visits to the retail health clinics expected to open in CVS and Walgreens drugstores later this year, making the clinics attractive options for the treatment of everyday ailments.
Harvard
Pilgrim Health Care and Tufts Health Plan have signed contracts with
CVS Caremark, the Woonsocket, R.I., company that operates more than
6,000 pharmacies nationwide. The chain plans to open as many as 28
MinuteClinics in its Massachusetts stores this year and 100 statewide
within five years. CVS also is negotiating coverage for clinic services
with Blue Cross and Blue Shield of Massachusetts, the state's largest
insurer. Together, the insurers have nearly 5 million members.
The
endorsement by insurers is likely to turn retail clinics into major
healthcare providers in the state because, for many patients, they will
be less expensive than hospital emergency rooms, with less waiting
time. Under the contracts signed and being negotiated, retail clinic
copayments range from $10 to $25, compared with the $50 to $150 copays
most insurers assess for emergency room care.
In addition to its
talks with CVS, Blue Cross-Blue Shield is negotiating with Take Care
Health Systems, the medical clinic subsidiary of Walgreen Co.
of Deerfield, Ill., which plans to open in-store clinics in
Massachusetts this fall. Tufts Health Plan is considering extending
coverage for the Take Care clinics, as well, and Fallon Community
Health Plan said it is negotiating to give its members coverage for
retail clinic care, but didn't specify at which clinics.
"We have
already contracted with some insurers and are in final stages of
discussions with others," said Carolyn Castel, a spokeswoman for CVS
Caremark. "We see all of these negotiations moving positively."
Retail
clinics in Massachusetts will feature weekend and evening hours.
Services will include vaccinations and treatment of common ailments
such as ear infections, poison ivy, and minor burns. Without insurance,
prices range from $59 to $69 at CVS's MinuteClinics, and from $59 to
$74 at Walgreen clinics.
Major insurers provide coverage for treatment at MinuteClinics in all 25 states where they operate, according to CVS.
The
state's powerful physicians' group, the Massachusetts Medical Society,
opposed the clinics when they were proposed by CVS last year, saying
they raised concerns about safety, oversight of caregivers, and spread
of germs. Dr. Bruce Auerbach, president of the medical society, said
yesterday the physicians organization still believes patients are "best
served" by doctors in primary care practices, which provide
"comprehensive care that is continuous and not fragmented."
Boston
Mayor Thomas M. Menino has decried the notion of retailers profiting
from illness and said clinics would "jeopardize patient safety."
But
despite the medical establishment's objections, the state Public Health
Council in January approved the MinuteClinic plan, saying expanding
access to healthcare outweighed concerns about patients using the
clinics as a substitute for an ongoing relationship with a
physician.The oversight and safety issues raised by the medical society
have been addressed by new state regulations that govern how the
clinics are run.
Dr. Neil Minkoff, Harvard Pilgrim's medical
director of network medical management, said the need for the retail
clinics is especially intense in Massachusetts, where there is a
shortage of primary care physicians.
"We're
helping our members get access into a medical system and reduce
inappropriate use of the hospital emergency room," he said. "We believe
that contracting with MinuteClinic will allow for some reasonably
simple, high-volume care to occur in this different setting. Right now,
this stuff is unnecessarily clogging up emergency rooms."
Minkoff
added, "What's really driving this is that the cost of care performed
in a retail setting is significantly lower than when it is done in an
emergency room."
Paul Dreyer, director of healthcare safety and
quality at the Department of Public Health, said he expects licenses
for the clinics to be granted in the fall.
While the clinics
could ease crowding at hospital emergency rooms, a significant shift of
patients away from emergency rooms could also hurt community hospitals
that are strapped for cash and depend on steady revenue from emergency
visits.
Lynn Nicholas, chief executive of the Massachusetts Hospital Association, said she still supports the retail clinics.
"Given the shortage of access to primary care, this can only be a good thing in the long run," Nicholas said.
CVS
now operates about 500 MinuteClinics. The closest ones are in
Connecticut. Walgreen has 189 Take Care clinics in 14 states. The
clinics proposed by both chains for Massachusetts are typically staffed
by nurse practitioners, registered nurses with advanced degrees who are
trained to diagnose and treat common conditions and perform many of the
same functions as physicians. The nurses can prescribe medications for
the uncomplicated ailments treated at the clinics. If they detect more
serious conditions - such as heart attacks - the patients are sent to a
doctor or emergency room. Nurse practitioners also will have telephone
access to doctors who can provide immediate advice.
"We want to
make sure our members get access to simple care when they need it in
the evening and on weekends," said Dr. Allen Hinkle, chief medical
officer for Tufts Health Plan. "We'll save money, and the member saves
money because the copayment for an emergency room visit is much higher."
Hinkle
said Tufts has reviewed the track record of retail clinics in
Minnesota, where they have been long established, and was satisfied
that patients sought care at clinics for the proper type of ailments.
Lauren
Tierney, a spokeswoman for Take Care Health System, said its clinics
help ease some of the burden on primary care physicians by treating
simpler cases. In addition, she said,
Take Care nurses and
consulting doctors have contacts in the communities they serve and can
refer patients to primary care physicians who have room in their
practices for additional patients.
"About 30 percent of the
patients we see don't have a primary care physician," she said. "Our
goal is to connect them with the system."
Stephen Smith of the Globe staff contributed to this report.
Jeffrey Krasner can be reached at krasner@globe.com.