Background
National health insurance (NHI) has emerged as a key component of existing health financing reforms in middle and low income countries and is critical to the attainment of universal health coverage (UHC) [
1]. In South Africa the constitution guarantees healthcare access for all, however inequalities still exist with regards to the burden of both communicable and non-communicable disease [
2] as well as health access and funding distributions: almost 50% of total health expenditure is spent on 16% of the population covered by private medical insurance schemes [
3]. The remainder is spent on the 84% of the population who depend on the under-resourced public sector, lack the means to access care in the private sector and have a higher disease burden [
3,
4].
To address these inequities, the South African Government is in the process of rolling out a phased implementation of the NHI scheme over 15 years which will fund access for all for a specified basket of services at non-specialist level private health practitioners as well as public primary healthcare (PHC) facilities from a combined resource pool, thus expanding access to quality health services for those unable to afford these services while mitigating the financial burden on individuals and their families [
3‐
5]. The proposed NHI aims to re-engineer primary healthcare, envisioning both private sector providers and public sector clinics to act as independent contracting units to the NHI Fund [
3]. The goal is to create an integrated health-system which allows patients to access quality health services irrespective of socio-economic status [
4]. Therefore apart from reducing financial barriers associated with the cost of accessing health services, the availability of health insurance will have an impact on health care seeking behaviour by influencing whether, when and from where care is sought [
6]. It is estimated that 28% of South African households’ made use of the private sector as their primary access point to health care in 2016 [
7]. In particular, it was estimated in 2006 that of those who are uninsured and with a household income less than $414 a month, approximately 22.4% of their most recent outpatient visits were to private general practitioners (GPs) [
8]. In recent years, a number of private organisations in South Africa have established innovative models of PHC delivery that aim to provide access to good quality PHC services at affordable rates to the low-income, mostly uninsured and underserved population.
Understanding the factors which influence health seeking behaviour and service utilization within the public and private sector for this low income population has important implications for planning and contracting of services under the NHI due to potential shifts in volumes to the private sector. A recent South African study found socio-demographic and economic factors such as age, sex, education, employment and income to have a possible influence on health-care utilization [
2]. Another study found that utilization is predicted by gender, perceived financial situation, mental and physical health, extra-household resources and the price of a private consultation while the number of visits is predicted by age, physical and mental health, extra-household resources and private provider quality [
9]. There are however a limited number of studies which describe the health-seeking behavior of the low income predominantly uninsured population in detail and information gaps persist around factors influencing health access, utilization rates and out of pocket payments in the general South African population [
2,
10]. There are also very few studies which comprehensively investigate health seeking behaviour exclusively from the patient perspective [
11]. It is against this background that our study intended to provide a comprehensive description of healthcare seeking behaviour and service utilization as well as an understanding of the factors which influence this, from the patient perspective, within the low-income population accessing PHC services in either the public, private or a mix of both sectors. This study forms part of a larger analysis to assess the cost and outcomes of models of private PHC providers targeting this population relative to PHC service delivery at public sector clinics in South Africa.
Discussion
This study has provided a description of health seeking behaviour amongst the low-income predominantly uninsured population who choose to access PHC services at either a public facility, private facility or utilise a mix of facility types in 2 provinces in South Africa. Results indicate a willingness to cycle between sectors; this movement is currently most likely constrained by finances and socio-economic status.
The perceived benefits and quality of care reported by participants is most likely a strong contributing factor to movement of patients between the public and private sector when health care is deemed urgent or critical and funds make this possible. These findings align with those reported by a previous study which found that patients in Ghana choose to access care in the private sector when financially viable, and preferred these facilities over government facilities covered by the Ghanaian NHI, mostly due to their perception of better quality of care in the private sector [
18]. Another study looking at private providers operating under NHI schemes in both Ghana and Kenya found that study participants from both countries expressed an overall preference for accessing care at NHI accredited private sector facilities, with most citing shorter waiting times and more respectful treatment as the reasons for this; these participants also felt that NHI coverage not only provided greater access to healthcare, but also allowed them to access higher quality private clinics which they preferred over public sector facilities [
19]. Similarly a previous South African study found that private health care played an important role in the health care decisions of poor South Africans who indicated a preference for the private sector when affordability constraints allowed [
20]. A discrete choice experiment (DCE) undertaken in the Western and Eastern Cape provinces of South Africa also revealed a preference to not to seek care at a public facility, with the probability of attending public health facilities strongly influenced by attributes related to clinical quality such as the availability of medication [
21]. Access to additional funds and perceived quality of service from a private provider influence where healthcare is accessed [
9].
Finally a population-based study of the healthcare seeking behaviour of adults in Burkina Faso found that the utilization of private for profit health facilities has been shown in previous research to be dependent on factors such as insurance coverage, high education level, and being a formal job holder [
22]. These findings are consistent with our results which similarly indicate that education, health-insurance, and socio-economic status are strong predictors of where care is usually accessed. Previous studies in low income countries have also shown that education influenced choice of providers [
23,
24]. Furthermore, better educated and wealthier participants in a Ghanaian based study were significantly more likely to visit private health facilities compared to public health facilities [
24]. Importantly, given the context of this current study, controlling for health-insurance was previously found to lessen the influence of factors such as education and occupation [
22]. Our study reveals that potential impact on volumes could mean that while most high visit frequency patients currently access care in the public sector, a portion of these visits may be distributed to the private sector under NHI which might result in more than the estimated three annual visits per person per year [
25,
26]. Further research on a larger sample is needed to confirm the robustness of these findings and to explore the influence of select population characteristics and UHC on health seeking behaviour within this low-income largely uninsured population.
This study helps provide a better understanding of healthcare utilisation in South Africa amongst the low-income population and shows potential implications on health-seeking behaviour for the implementation of NHI. Its limitations include the small study sample, future studies into the topic should consider assessing predictors from a very large population to maximize the power to detect significance and further analyse predictors reliably.. The study also asked for sensitive information such as monthly income which may be subject to over/under-reporting bias, as such this gives rise to another study limitation where 25% of our sample refused to report their monthly income which can bias the reported estimates. Another study limitation is the inherent selection bias in including patients who choose to use these PHC services and excludes the viewpoint of those who do not currently access services but may choose to do so under NHI, future research should consider addressing this shortcoming through at the population level through a population based survey.
This is a cross-sectional study therefore causal relations could not be ascertained. Lastly, while data on health seeking behaviour for a 12-month period was obtained during interviews, this information could have been subject to recall and response bias.
Conclusions
The results of our study indicate cycling between the private and public sectors, with patients willing to seek care in the private sector when financial constraints allow. Access to this sector is currently most likely limited by finances and socio-economic status. With the implementation of NHI focused on removing financial barriers and enabling access to quality healthcare regardless of socio-economic group, affordability should no longer be a constraint on accessing care outside of the public sector. Understanding the potential impact on healthcare utilisation once affordability is mitigated through the NHI is important for planning, and has implications for the set-up of contracting systems for services under the NHI.
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