Table 2.

Summary of roles in addressing financial hardship

Team memberActionPotential direct effects
Physicians and advanced practice providers 
  • Shared decision-making and cost discussions

  • Assess and respond to goals of care

 
Patients, caregivers, and families 
Nurses and medical assistants 
  • Screen for financial hardship

 
Patients, caregivers, and families 
Social workers and financial navigators 
  • Screen for financial hardship

  • Resource deployment and connection

  • Deliver individual-level interventions

  • Education

 
Patients, caregivers, and families 
Insurers 
  • Reduce out-of-pocket costs

  • Streamline access to benefits

 
Patients, caregivers, and families and clinical team 
Employers 
  • Paid sick leave

  • Reasonable accommodations

  • Streamline access to benefits

 
Patients, caregivers, and families 
Researchers 
  • Identify effective policies

  • Identify ways to reduce administrative burden

  • Evaluate effective individual-, organizational-, community-, and policy-level interventions

 
Policymakers, insurers, employers, and clinical team 
Policymakers 
  • Require paid sick leave or provide through state

  • Provide easily accessible financial aid

  • Set minimum health insurance coverage standards

  • Fund research pertaining to financial hardship and social drivers of health

 
Employers, insurers, patients, caregivers, and families 
Team memberActionPotential direct effects
Physicians and advanced practice providers 
  • Shared decision-making and cost discussions

  • Assess and respond to goals of care

 
Patients, caregivers, and families 
Nurses and medical assistants 
  • Screen for financial hardship

 
Patients, caregivers, and families 
Social workers and financial navigators 
  • Screen for financial hardship

  • Resource deployment and connection

  • Deliver individual-level interventions

  • Education

 
Patients, caregivers, and families 
Insurers 
  • Reduce out-of-pocket costs

  • Streamline access to benefits

 
Patients, caregivers, and families and clinical team 
Employers 
  • Paid sick leave

  • Reasonable accommodations

  • Streamline access to benefits

 
Patients, caregivers, and families 
Researchers 
  • Identify effective policies

  • Identify ways to reduce administrative burden

  • Evaluate effective individual-, organizational-, community-, and policy-level interventions

 
Policymakers, insurers, employers, and clinical team 
Policymakers 
  • Require paid sick leave or provide through state

  • Provide easily accessible financial aid

  • Set minimum health insurance coverage standards

  • Fund research pertaining to financial hardship and social drivers of health

 
Employers, insurers, patients, caregivers, and families 

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