Privacy Issues: Hospitals Are Using Credit Card Data


Hospitals Are Using Credit Card Data To Predict People’s Health…

Hospitals Are Using Credit Card Data To Predict People’s Health
July 6, 2014
By Jordan Valinsky
So, this sounds creepy: Some hospitals are identifying high-risk patients by buying loads of consumer data (i.e. credit card purchases, store loyalty programs, etc.) and plugging it into algorithms so they can step in before the customer gets sick. According to Bloomberg Businessweek, it’s currently being used by Carolinas HealthCare System, which is using that type of data to survey the health of its two million members.
How does it work? Take, for example, an asthma patient. A hospital would decide how likely a person would arrive in the emergency room by tracking how often they have refilled their medication, if they’re caught buying cigarettes, and if they live in an area with a high pollen county. “The idea is to use Big Data and predictive models to think about population health and drill down to the individual levels,” said Michael Dulin, a chief clinical officer for analytics and outcomes research for the medical network, in the Bloomberg Businessweek report.
The purpose of using a system like this is due to Obamacare, since hospital pay is docked if the government sees that patients are coming into the emergency room too frequently. Also there’s more of an incentive for medical centers to decrease the number of tests they administer since they’re no longer paid on how many tests they perform. A data-heavy system, in which they can decide what is wrong with a person without administering a number of tests, helps solve that dilemma.
Of course, deploying such an intrusive program doesn’t come without its critics. “It is one thing to have a number I can call if I have a problem or question; it is another thing to get unsolicited phone calls. I don’t like that,” Jorjanne Murry explained to Bloomberg Businessweek, who has Type 1 diabetes and adds she ignores phone calls from her insurer.
And the data brokers, or the companies from where the hospitals buying their information from, acted cagey in regards to what information they sell to health-care providers. Understandably; the fact that any of it at all is trading hands is disturbing enough. The details could only get worse.

Your Doctor Knows You’re Killing Yourself. The Data Brokers Told Her
MSN Money – June 26, 2014
By Shannon Pettypiece and Jordan Robertson
You may soon get a call from your doctor if you’ve let your gym membership lapse, made a habit of picking up candy bars at the check-out counter or begin shopping at plus-sized stores.
That’s because some hospitals are starting to use detailed consumer data to create profiles on current and potential patients to identify those most likely to get sick, so the hospitals can intervene before they do.
Information compiled by data brokers from public records and credit card transactions can reveal where a person shops, the food they buy, and whether they smoke. The largest hospital chain in the Carolinas is plugging data for 2 million people into algorithms designed to identify high-risk patients, while Pennsylvania’s biggest system uses household and demographic data. Patients and their advocates, meanwhile, say they’re concerned that big data’s expansion into medical care will hurt the doctor-patient relationship and threaten privacy.
“It is one thing to have a number I can call if I have a problem or question, it is another thing to get unsolicited phone calls. I don’t like that,” said Jorjanne Murry, an accountant in Charlotte, North Carolina, who has Type 1 diabetes. “I think it is intrusive.”
Acxiom Corp. (ACXM +0.94%, news) and LexisNexis are two of the largest data brokers who collect such information on individuals. Acxiom says their data is supposed to be used only for marketing, not for medical purposes or to be included in medical records. LexisNexis said it doesn’t sell consumer information to health insurers for the purposes of identifying patients at risk.
Bigger Picture
Much of the information on consumer spending may seem irrelevant for a hospital or doctor, but it can provide a bigger picture beyond the brief glimpse that doctors get during an office visit or through lab results, said Michael Dulin, chief clinical officer for analytics and outcomes at Carolinas HealthCare System.
Carolinas HealthCare System operates the largest group of medical centers in North Carolina and South Carolina, with more than 900 care centers, including hospitals, nursing homes, doctors’ offices and surgical centers. The health system is placing its data, which include purchases a patient has made using a credit card or store loyalty card, into predictive models that give a risk score to patients.
Within the next two years, Dulin plans for that score to be regularly passed to doctors and nurses who can reach out to high-risk patients to suggest interventions before patients fall ill.
Buying Cigarettes
For a patient with asthma, the hospital would be able to score how likely they are to arrive at the emergency room by looking at whether they’ve refilled their asthma medication at the pharmacy, been buying cigarettes at the grocery store and live in an area with a high pollen count, Dulin said.
The system may also score the probability of someone having a heart attack by considering factors such as the type of foods they buy and if they have a gym membership, he said.
“What we are looking to find are people before they end up in trouble,” said Dulin, who is also a practicing physician. “The idea is to use big data and predictive models to think about population health and drill down to the individual levels to find someone running into trouble that we can reach out to and try to help out.”
While the hospital can share a patient’s risk assessment with their doctor, they aren’t allowed to disclose details of the data, such as specific transactions by an individual, under the hospital’s contract with its data provider. Dulin declined to name the data provider.
Greater Detail
If the early steps are successful, though, Dulin said he would like to renegotiate to get the data provider to share more specific details on patient spending with doctors.
“The data is already used to market to people to get them to do things that might not always be in the best interest of the consumer, we are looking to apply this for something good,” Dulin said.
While all information would be bound by doctor-patient confidentiality, he said he’s aware some people may be uncomfortable with data going to doctors and hospitals. For these people, the system is considering an opt-out mechanism that will keep their data private, Dulin said.
‘Feels Creepy’
“You have to have a relationship, it just can’t be a phone call from someone saying ‘do this’ or it just feels creepy,” he said. “The data itself doesn’t tell you the story of the person, you have to use it to find a way to connect with that person.”
Murry, the diabetes patient from Charlotte, said she already gets calls from her health insurer to try to discuss her daily habits. She usually ignores them, she said. She doesn’t see what her doctors can learn from her spending practices that they can’t find out from her quarterly visits.
“Most of these things you can find out just by looking at the patient and seeing if they are overweight or asking them if they exercise and discussing that with them,” Murry said. “I think it is a waste of time.”
While the patients may gain from the strategy, hospitals also have a growing financial stake in knowing more about the people they care for.
Under the Patient Protection and Affordable Care Act, known as Obamacare, hospital pay is becoming increasingly linked to quality metrics rather than the traditional fee-for-service model where hospitals were paid based on their numbers of tests or procedures.
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A Response:
…”the diabetes patient from Charlotte, said she already gets calls from her health insurer to try to discuss her daily habits.”
Yes, big brother is watching. And eventually, the “health promotion” conversation will turn to the dubious behavioral therapies, pharmaceutical products, diet plans, ….and bariatric surgery,
And thus the financial interest. Who makes money from this snake oil?
Where will the money come from for this “health promotion” when the MSA money dries up:;=kp
A “health surcharage” for pizza, vienna fingers and my rhubarb pie.
Jay R.

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