Financial toxicity, the severe material and psychological burden of the cost of cancer treatment, affects an estimated 30–50% of patients with cancer in the United States, including people with health insurance [1]. As the cost of care increasingly shifts to patients, more patients must deplete their savings, incur debt and file for bankruptcy [2–7]. On average, cancer patients are responsible for $16,000 annually for direct and indirect out-of-pocket treatment costs [8]. Patients may also suffer great psychological harm, including significant, even catastrophic, levels of cost-related distress [9–13].
Cancer treatment cost and financial toxicity can influence treatment decisions, treatment adherence, and health outcomes, including an increased risk of mortality [1, 14–20]. Treatment costs factor into patients’ decisions about treatment, [21–24] including whether to participate in clinical trials [22, 25]. For example, patients with lower incomes are more likely to choose treatments with lower costs even if those treatments have lower survival and higher toxicity [23]. To offset cost, patients may deviate from recommended treatment (including treatment for side effects) [15, 26, 27] and/or forgo treatment altogether [24]. A study of 254 patients being treated with either chemotherapy or hormonal therapy found that 20% took less than, partially filled, or avoided filling the prescribed medication due to the out-of-pocket costs [15]. Another study of 164 patients with solid tumors found that 45% were non-adherent to treatment due to cost [28]. A study of 1556 cancer survivors found that those who reported financial problems were more likely to delay (18.3% vs. 7.4%) or forgo treatment (13.8% vs. 5.0%) compared to respondents without financial problems [29].
Addressing financial toxicity requires policy changes at the national, state, and hospital levels. In the meantime, however, increasing the frequency and quality of patient-oncologist treatment cost discussions early in diagnosis and treatment may help alleviate financial toxicity [10, 14, 30–33] by improving patients’ knowledge, self-efficacy, and ability to manage potential costs, and by connecting patients with vital economic support [34]. Most patients (80%) and oncologists (80%) want to discuss treatment costs, [35, 36] and professional organizations such as the American Society of Clinical Oncology (ASCO) encourage oncologists to discuss treatment cost with patients [14]. However, research has found that these discussions are infrequent [36, 37]. In our previous observational study of video-recorded treatment discussions between patients with cancer and their oncologists (n = 103), we found that cost discussions occurred in only 45% of treatment discussions [38]. When cost was discussed, it was mostly patient-initiated (63%) and focused more on indirect costs (e.g., time off work) than on direct costs (e.g., copayments; [39]. Without a cost discussion early in treatment decision making, patients are unlikely to be referred for guidance or assistance in a timely manner, thereby missing out on early financial and psychological support, which are critical steps in reducing longer-term financial toxicity [15, 34, 40] and improving treatment adherence [10, 28, 41]. Research shows that, in the short term, patient-oncologist treatment cost discussions can increase referrals for support (e.g., social work; [34] and reduce cost-related distress [10]. Longer-term effects include improved financial toxicity [10] and treatment adherence [41].
Another benefit of holding cost discussions early in treatment planning is that they can improve patient self-efficacy, or the expectation that one can successfully perform a behavior [42], for managing cost [43, 44]. Similarly, researchers have demonstrated the positive influence of improving another aspect of self-efficacy—activating patients to manage their own health, and more specifically, actively participating in clinical interactions by asking questions, stating concerns, and making assertions [45–48]. Research on clinical communication in many medical settings shows patient active participation plays an important role in short-, intermediate-, and long-term outcomes [49, 50]. Patient active participation influences the amount of information physicians provide [46, 51, 52], the information exchange process (Barton et al., 2020), the treatment physicians recommend [48], topics patients and physicians discuss [53, 54], patient healthcare decisions [55], and patient psychosocial and physical health outcomes [56, 57]. Increasing patient active participation during clinical interactions has been shown to change the content and quality of patient-physician interactions and outcomes, and thus has the potential to improve the frequency and quality of patient-oncologist treatment cost discussions. It is also possible that self-efficacy may be the primary mechanism through which patient-oncologist treatment cost discussions mitigate the burden of financial toxicity.
Question prompt lists (QPLs) are simple communication tools that have been shown to improve patient active participation in cancer treatment discussions and prompt discussion about specific topics during clinical interactions. QPLs are comprised of a list of questions provided to patients to encourage them to prepare for visits by considering questions they would like to ask their healthcare provider [58–60]. QPLs have been shown to improve communication quality (e.g., patient active participation in interactions, [47]; patient-oncologist information exchange, [61]; topics discussed [53, 54]; patient psychological and cognitive outcomes (e.g., satisfaction, anxiety; information recall; [58] and patient role in treatment decisions and trust in their oncologist [58, 60, 62].
In the current research, we build upon current QPLs in two ways. First, while most current QPLs have few if any questions regarding treatment costs, we developed a QPL that specifically addresses this topic. Second, while most current QPLs are paper-based and static, we developed a way to tailor the QPL content to patients’ specific needs and clinical setting through the use of an electronic QPL in the form of an application or “app” provided to patients in the clinic prior to a patient’s scheduled visit with an oncologist to discuss treatment.
Building on our experience with testing QPLs in oncology outpatient clinics [47, 63–65] we designed and built a novel communication tool, the DIScussion of COst Application (DISCO App; Fig. 1; [66]. We designed the DISCO App to be app-based because using an electronic format allows the tool to be tailorable to the individual [58] enhances eventual scalability to other populations, and has the potential to be integrated into EMRs and patient portals. In response to concerns that physicians may be unwilling or unable to respond appropriately to patient questions about treatment cost [67, 68], we also developed a treatment cost discussion “tip sheet” for oncologists. The tip sheet emphasizes oncologists’ role in cost discussions (as recommended by ASCO) and provides ways to overcome identified barriers to cost discussions [36, 37, 67, 68].
DISCO App intervention
The DISCO App (Fig. 1; [66] is displayed on an iPad provided to patients just prior to their second interaction with their oncologist, in which they discuss and finalize treatment plans. The DISCO App opens and the QPL is introduced with text that explains that the DISCO App includes a short survey, which will lead to some cost-related questions the patient can consider asking the oncologist. This section asks patients to enter their demographic information and their financial circumstances. Specifically, patients respond to 17 questions, such as “How much do you know about your insurance coverage?”; “Are you currently employed?”; “Is there anyone who helps you when you’re sick or need help of any kind?”. Based on patient responses, an individually-tailored QPL with up to 18 cost-related questions in 7 categories is generated (Table 1). For example, patients who indicate they are employed will be prompted to ask: “Can I schedule my treatment around my job?”; patients who indicate transportation concerns will be prompted to ask: “Are services available if I can’t find someone to drive me?” Patients who indicate they are unfamiliar with their insurance coverage will be prompted to ask: “Is there someone I can talk to about my insurance and treatment cost questions?” All patients, regardless of their responses, are provided with four general questions about their diagnosis and have the option of adding in any of their own questions. Once they have completed the questions and received their individualized QPL, they can take the iPad or a printed question list into the meeting with the oncologist.
Table 1
The DISCO App’s Prompted Questions by Question Type
Cost of appointments and treatments
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1. How much will I have to pay for my treatment?
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2. Is there a less expensive drug, like a generic, that will be equally effective?
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3. How many visits will I have? I may have to pay each time I come to the cancer center (co-pay, parking, etc.).
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4. What happens if I can’t pay for some of my treatment costs?
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Help with understanding my treatment costs and what my insurance covers
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5. Do I need additional or supplemental insurance coverage?
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6. Do I have a co-pay every time I come to the cancer center?
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7. Is there someone I can talk to about my questions about my insurance and treatment costs?
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Transportation to and parking at the cancer center
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8. Does someone need to drive me to treatment appointments?
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9. Are services available if I can’t find someone to drive me?
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10. How much does parking cost?
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Living far from the cancer center
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11. Is it possible for me to receive my treatment closer to where I live?
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12. Are there free or reduced-cost hotels nearby for me and my family?
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Working during treatment
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13. Can I keep working during treatment? If not, when can I go back to work?
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14. Can I schedule my treatment around my job?
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15. Do I need to file Family and Medical Leave Act (FMLA) paperwork? If so, how?
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Assistance programs
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16. Are assistance programs available to help me with treatment costs or other expenses or needs?
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17. If I need a wig or other supplies, is there somewhere I can get them free or at a reduced cost?
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Family and living responsibilities
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18. Can I schedule my treatment around my family’s schedule?
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General questions about cancer and treatment (all patients will get these)
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19. What is my diagnosis and stage?
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20. Is it possible to cure my cancer?
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21. What is my treatment plan?
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22. Are there clinical trials I can participate in? I fso, will this cost more or less than standard treatment?
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