Witha minimim of hundred words comment on my answer for these question and give me your opinion about the topic

• How many people take advantage of these valuable benefits?

According to Batarseh et al. (2020) Around 8% of Americans are estimated to regularly get screened for preventative purposes and nearly 5% of adults did not receive any of the services, which included screenings, counseling, preventive medications and vaccinations. More than 20% of adults reported receiving more than 75% of the services .In general, women were more likely to receive preventive services than men. Differences were significant for blood pressure screening, cholesterol screening, obesity screening and counseling and depression screening (Finnegan, 2018). The majority of have laboratory evidence of chronic disease, and 1 in 3 is likely to have unidentified disease.Only 15 of the 50 states nationwide have indicators for preventative healthcare that are above average.

• What do you think about overall patient compliance with using their benefits to stay "well" rather than just utilizing their benefits when they are "sick"?

Overall encouraging patient to adopt preventive measure is very beneficial in multiple dimensions ( population health, productivity, healthcare expenditure, resource utility, premium variations etc. ) but making patients to take up these measure is challenging. Patient view on preventive care vary according to health literacy, personal experience and healthcare system. Many don't prioritize preventive health as important aspect in life or may not fully understand the importance of prophylaxis. Stigma or fear of getting diagnosed with chronic disease is more and masks the effectiveness and benefits of early intervention. To certain extent of those willing to get screening done finds it difficult to accommodate time during working hours.

• What do you believe is being done, or can be done, to encourage more patients to utilize preventive care and understand the impact on their premiums if they don't?

In my view, providers in Health Maintenance organization (HMO) network and primary care physicians (PCPs) are incentivized for practicing preventive care largely but according to Ganguli et al. (2020) Commercially insured adults have been visiting PCPs less often, and nearly one half had no PCP visits in a given year by 2016 and also there is significant reduction in number of HMO providers. The possible measures to increase preventive care utilization are,

Health literacy - Educating patients about the cost effective, cost benefit and impact of the preventive care. For example costs of a person with CKD increase dramatically as the disease advances in stage, from $26,843 per year for stage 3 to $76,969 per year for stages 4 and 5 and $121,948 per year for end-stage renal disease (ESRD), with $88,000 per year for hemodialysis (Consumer Price Index, 2023).

Addressing the barriers - Increasing access through telehealth and online scheduling in remote area. Collaboration of providers and community centers will drive more people to preventive care. Work site screening camps can prevent those who miss the routines due to work schedules.

Value-based insurance designs (VBID) - These plans reduce copays or deductibles for preventive care services while increasing the charge for non preventive services. These programs may help people prioritize preventative care and lower the overall cost of healthcare by motivating them to prioritize these services (CDC, n.d.).

Reference,

Batarseh, F. A., Ghassib, I., Chong, D., & Su, P. (2020). Preventive healthcare policies in the US: solutions for disease management using Big Data Analytics. Journal of Big Data, 7(1). https://doi.org/10.1186/s40537-020-00315-8

CDC. (n.d.). Understanding Value-Based Insurance Design.

Finnegan, J. (2018, June 7). Preventive care falls short: Only 8% of U.S. adults receive all appropriate services. Fierce Healthcare. https://www.fiercehealthcare.com/practices/preventive-care-falls-short-8

Ganguli, I., Shi, Z., Orav, E. J., Rao, A., Ray, K. N., & Mehrotra, A. (2020). Declining Use of Primary Care Among Commercially Insured Adults in the United States, 2008-2016. Annals of Internal Medicine, 172(4), 240. https://doi.org/10.7326/m19-1834