Payment Methods and Coping Strategies for Health Care Costs by Patients with Chronic Diseases in a Low-Middle Income Country

Chronic diseases contribute the highest to disease burden and deaths worldwide and require long-term access to health care. This study identified the payment methods and coping strategies for healthcare costs by patients with chronic diseases using public health facilities in Yenagoa, Bayelsa State,...

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Vydáno v:West African journal of medicine Ročník 42; číslo 6; s. 457
Hlavní autoři: Mariere, U I, Ogaji, D S, Obikeze, O O, Adesina, A D, Babatunde, S
Médium: Journal Article
Jazyk:angličtina
Vydáno: Nigeria 30.06.2025
Témata:
Adaptation, Psychological
Adolescent
Adult
Aged
Chronic Disease - economics
Chronic Disease - therapy
Coping Skills
Female
Financing, Personal - statistics & numerical data
Health Care Costs
Health Expenditures - statistics & numerical data
Humans
Insurance, Health
Male
Middle Aged
Nigeria
Young Adult
Nigeria
Health insurance
Chronic disease patients
Households
Out-of-pocket payments
Coping strategies
Payment methods
Nigeria
ISSN:0189-160X
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Shrnutí:Chronic diseases contribute the highest to disease burden and deaths worldwide and require long-term access to health care. This study identified the payment methods and coping strategies for healthcare costs by patients with chronic diseases using public health facilities in Yenagoa, Bayelsa State, Nigeria. Three hundred and thirty-nine (339) adult patients, being managed for chronic conditions (Hypertension, Diabetes mellitus, Tuberculosis & HIV), were randomly selected from three specialist hospitals that are the major providers of specialized care for patients with chronic diseases in the State. Data on sociodemographic characteristics, morbidity patterns, household financing and coping with health expenditure were collected. Chi-squared test was used to identify significant associations. A p-value 0.05 was considered significant. Majority were females 211(62%) and about a third were not working 113(33.3%). To pay for their chronic disease healthcare expenses, 268 (79.1%) paid out-of-pocket while 71 (20.9%) used social health insurance. Among the 120 (35.4%) patients who subscribed to a health insurance program, about 2 in 5 still paid out-of-pocket. Missing a clinic visit 145(42.8%) was the common coping strategy followed by patients having to forfeit necessities 113(33.3%) to cope with their healthcare costs. The type of chronic disease was statistically associated with payment methods adopted by patients (p<0.01). Most patients with chronic diseases rely on out-of-pocket payments for healthcare expenditures including patients with health insurance coverage. This has necessitated households to adopt coping strategies, found to be economically distressing, to source funds for healthcare needs. Targeted programmes are needed for patients with chronic diseases to enhance financial risk protection.
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ISSN:0189-160X