Report: Medicaid Expansion Removes Critical Financial Barriers to Treating Opioid Addiction
New report shows anti-opioid medications cost 72-times more on average for Wisconsinites denied BadgerCare due unaffordable private insurance copays
STATEWIDE: At a Capitol news conference and a media call today legislators, health advocates, addiction experts, and consumers released a new Citizen Action report showing that expanding Medicaid (BadgerCare) would have a sizable and beneficial impact on addressing opioid addiction for working Wisconsinites. This research is timely both because deaths from opioid continue to climb (In 2017, there were 926 overdose deaths involving opioids in Wisconsin) and because the Legislature’s Joint Finance Committee is expected to take an initial vote on Thursday on BadgerCare expansion. Watch Wisconsin Eye’s coverage of the Capital news conference here. Listen to audio of the media call here.
The new Citizen Action research reveals that Wisconsinites who earn between 100% to 138% of the federal poverty line (the Medicaid expansion population) currently pay over 70-times more out of pocket for a mere 14-pill prescription dose buprenorphine/naloxone, critical anti-opioid medication used as part of Medication-Assisted Treatment programs around the state. Experts say that these copays are unaffordable for people just above the poverty line, dramatically increasing the odds of relapse and death from opioid addiction.
- Using the “benchmark” of the most common health plan, a silver plan, the average health plan on the ACA private insurance marketplace requires consumers whose income falls between 100-138% of the poverty line to pay 72-times as much for a 14-tablet supply of buprenorphine/naloxone (8mg/2mg) anti-opioid prescription than they would if they had access to BadgerCare. (Figure 1).
- This difference has substantial regional variation. The average private health insurance plan in La Crosse is 22-times more expensive than BadgerCare, while insurance plans in communities like Stevens Point, Wausau and Rhinelander are on average 111-times more expensive for a consumer compared to expenses if on BadgerCare. (Figure 1)
- For the lowest premium plans on the ACA marketplace, the Bronze plans, not a single plan has out-of-pocket designs that cost consumers less than full retail price of $128. Such plans constitute 35% of 2019 enrollees chose, and could force working people just over the poverty line to pay unaffordable copays of over $3,000 per year. (Figure 1)
- The numbers presented in this report represent a cost of a 14-tablet/film supply of buprenorphine/naloxone, 8mg/2mg, (i.e., a 2-week treatment if one tablet/film is taken daily). These costs are only the tip of the iceberg because medical professionals generally recommend long term treatment for the chronic disease of addiction. This suggests that working Wisconsinites denied BadgerCare are forced to pay very high costs for their life-saving treatment; this may lead to failing to adequately treat their chronic condition for concern over cost.
- Insurance coverage of buprenorphine/naloxone varies substantially. Insurers such as Network Health and Medica Health Insurance treat it as Tier 0 preventive, while Children’s Health Plan lists buprenorphine-naloxone sublingual tablet as Tier 3 brand name.
- Medicaid (BadgerCare) expansion presents huge advantages for mitigating the devastating impact of the opioid crisis on working Wisconsinites, their families and communities. If people just above the poverty line are needlessly priced out of treatment for opioid addiction, this will add fuel to the fire of the crisis.
“Addressing the opioid crisis which is ravaging Wisconsin is yet another reason that the Legislature has a moral and public health obligation to accept the federal Medicaid money available to expand BadgerCare,” said Robert Kraig, Executive Director of Citizen Action of Wisconsin. “It is clear from this report that people with life threatening opioid addictions are needlessly facing relapse and possible death because of the Legislature’s continued refusal to expand Medicaid.”
“The findings of this report make it clear that fully expanding Medicaid instead of relying on the private insurance marketplace will save lives by making drug treatment affordable for Wisconsinites with Opioid Use Disorders,” said Candice Owley, RN, President of Wisconsin Federation of Nurses and Health Professionals. “We know medication assisted treatment (MAT) works with up words of an 80% chance of successfully treating opioid addiction. But for drug treatment to be successful the drugs must be affordable.”
Figure 1: Out-of-pocket cost for 14-tablets of anti-opioid buprenorphine/naloxone for someone earning $13,000 annually (full 72 county list can be found here)
|Counties||Average out-of-pocket costs between Silver health plans*||Average out-of-pocket costs between Bronze health plans*||Out-of-pocket costs if enrolled in BadgerCare***|
|Fond Du Lac||$54||$128||$1|
* – Out-of-pocket costs determined by a plan’s formulary, prescription drug deductible, co-pays and/or co-insurance. Determined per plan and averaged over all Silver or Bronze plans in a county. Source: Data.Healthcare.gov
** – estimated out-of-pocket cost for an uninsured individual. Note, price may shift based on regional price shifts, coupons and payment plans
*** – ForwardHealth considers buprenorphine/naloxone a “generic” drug, priced at $1 co-pay
Figure 2 – Estimated number of Wisconsinites eligible for coverage under Medicaid (BadgerCare) expansion by county
|Adams||390 residents||Iowa||272 residents||Polk||612 residents|
|Calumet||313||La Crosse||1,365||Saint Croix||660|
|Fond Du Lac||1,169||Oneida||555||Waukesha||2,411|
|Statewide:||82,000 residents between 100-138% FPL|