Skip to main content
Log in

Identifying a cut-off score for the COST measure to indicate high financial toxicity and low quality of life among cancer patients

  • Original Article
  • Published:
Supportive Care in Cancer Aims and scope Submit manuscript

Abstract

Purpose

To identify a cut-off score for the COmprehensive Score for financial Toxicity (COST) to predict a clinical implication of a high level of financial toxicity (FT).

Methods

A total of 640 cancer patients were recruited from three regional hospitals in Hong Kong. They completed a questionnaire comprising the COST measure and the Functional Assessment of Cancer Therapy - General (FACT-G) instrument. The cut-off score for the COST that predicts the lowest quartile of the FACT-G total score was identified by receiver operating characteristic (ROC) analysis. The sample was then stratified by this cut-off score, and characteristics were compared using Fisher’s exact, chi-squared or independent sample t-test.

Results

The mean scores were 20.1 ± 8.8 for the COST and 71.6 ± 15.5 for the FACT-G. The ROC analysis suggested that the cut-off of 17.5 yielded an acceptable sensitivity and specificity. Characteristics of patients with a higher level of FT included being younger, having a monthly household income of < 10,000 HKD (approximately 1290 USD), being more likely not employed, having stage IV cancer and receiving targeted and/or immunotherapy. In terms of financial support, a higher proportion of these patients had discussed financial issues with health care professionals and had received financial assistance. In addition, fewer of them were covered by private health insurance.

Conclusion

Our findings suggest a cut-off for the COST that can be used to screen for FT in clinical settings. In addition, while a considerable proportion of high-FT patients received targeted therapy, they often received financial assistance. There is a gap between financial hardship and assistance that warrants attention.

This is a preview of subscription content, log in via an institution to check access.

Access this article

Price excludes VAT (USA)
Tax calculation will be finalised during checkout.

Instant access to the full article PDF.

Fig. 1

Similar content being viewed by others

Data availability

The data of the study will be available on request from the corresponding author (winnieso@cuhk.edu.hk).

References

  1. Altice CK, Banegas MP, Tucker-Seeley RD, Yabroff KR (2016) Financial hardships experienced by cancer survivors: a systematic review. J Natl Cancer Inst 109 (2):djw205. doi:https://doi.org/10.1093/jnci/djw205

  2. Gordon LG, Merollini KMD, Lowe A, Chan RJ (2017) A systematic review of financial toxicity among cancer survivors: we can’t pay the co-pay. Patient 10(3):295–309. https://doi.org/10.1007/s40271-016-0204-x

    Article  PubMed  Google Scholar 

  3. Chen Q, Jain N, Ayer T, Wierda W, Flowers C, O’Brien S, Keating M, Kantarjian H, Chhatwal J (2017) Economic burden of chronic lymphocytic leukemia in the era of oral targeted therapies in the United States. J Clin Oncol 35(2):166–174. https://doi.org/10.1200/jco.2016.68.2856

    Article  CAS  PubMed  Google Scholar 

  4. Carrera PM, Kantarjian HM, Blinder VS (2018) The financial burden and distress of patients with cancer: understanding and stepping-up action on the financial toxicity of cancer treatment. CA 68(2):153–165. https://doi.org/10.3322/caac.21443

    Article  PubMed  Google Scholar 

  5. Chan RJ, Gordon LG, Tan CJ, Chan A, Bradford NK, Yates P, Agbejule OA, Miaskowski C (2019) Relationships between financial toxicity and symptom burden in cancer survivors: a systematic review. J Pain Symptom Manag 57(3):646–660. https://doi.org/10.1016/j.jpainsymman.2018.12.003

    Article  Google Scholar 

  6. Gordon L, Merollini K, Lowe A, Chan R (2017) Financial toxicity-what it is and how to measure it. Cancer Forum 41:30–36

    Google Scholar 

  7. Witte J, Mehlis K, Surmann B, Lingnau R, Damm O, Greiner W, Winkler EC (2019) Methods for measuring financial toxicity after cancer diagnosis and treatment: a systematic review and its implications. Ann Oncol 30(7):1061–1070. https://doi.org/10.1093/annonc/mdz140

    Article  CAS  PubMed  PubMed Central  Google Scholar 

  8. de Souza JA, Yap BJ, Hlubocky FJ, Wroblewski K, Ratain MJ, Cella D, Daugherty CK (2014) The development of a financial toxicity patient-reported outcome in cancer: the COST measure. Cancer 120(20):3245–3253. https://doi.org/10.1002/cncr.28814

    Article  PubMed  Google Scholar 

  9. de Souza JA, Yap BJ, Wroblewski K, Blinder V, Araújo FS, Hlubocky FJ, Nicholas LH, O'Connor JM, Brockstein B, Ratain MJ, Daugherty CK, Cella D (2017) Measuring financial toxicity as a clinically relevant patient-reported outcome: the validation of the COmprehensive Score for financial Toxicity (COST). Cancer 123(3):476–484. https://doi.org/10.1002/cncr.30369

    Article  PubMed  Google Scholar 

  10. Mady LJ, Lyu L, Owoc MS, Peddada SD, Thomas TH, Sabik LM, Johnson JT, Nilsen ML (2019) Understanding financial toxicity in head and neck cancer survivors. Oral Oncol 95:187–193. https://doi.org/10.1016/j.oraloncology.2019.06.023

    Article  PubMed  Google Scholar 

  11. FACIT Measurement System (2020) Questionnaires. https://www.facit.org/FACITOrg/Questionnaires.

  12. Khera N (2014) Reporting and grading financial toxicity. J Clin Oncol 32(29):3337–3338. https://doi.org/10.1200/jco.2014.57.8740

    Article  PubMed  Google Scholar 

  13. Legislative Council Secretariat (2018) Health insurance for individuals in Hong Kong. https://www.legco.gov.hk/research-publications/english/1718rb03-health-insurance-for-individuals-in-hong-kong-20180703-e.pdf.

  14. Lee VHF (2019) Oncology healthcare provision in Hong Kong: viewpoint of a clinical oncologist. Clin Oncol 31(8):490–491. https://doi.org/10.1016/j.clon.2019.05.019

    Article  Google Scholar 

  15. HA Drug Formulary (2020) Self-financed drugs available for purchase by patients at HA pharmacies. https://www.ha.org.hk/hadf/en-us/Updated-HA-Drug-Formulary/List-of-Self-financed-Items-to-be-sold-via-HA-pharmacies.html.

  16. Shih YT, Chien C (2017) A review of cost communication in oncology: patient attitude, provider acceptance, and outcome assessment. Cancer 123(6):928–939. https://doi.org/10.1002/cncr.30423

    Article  PubMed  Google Scholar 

  17. Zhu Z, Xing W, Zhang X, Hu Y, So WKW (2020) Cancer survivors’ experiences with financial toxicity: a systematic review and meta-synthesis of qualitative studies. Psychooncology 29:945–959. https://doi.org/10.1002/pon.5361

    Article  PubMed  Google Scholar 

  18. Chan D, Choi K, Xing W, Law B, Ng M, Ho P, Au C, Chan M, Tong M, Ling W, Chan M, Mak S, Chan R, So W (2020) The translation and psychometric testing of COmprehensive Score for financial Toxicity, Traditional Chinese version (COST-TC). Paper accepted for the Seventh Pan-Pacific Nursing Conference, Hong Kong, 28-29 May 2021

  19. Sehlen S, Hollenhorst H, Lenk M, Schymura B, Herschbach P, Aydemir U, Dühmke E (2002) Only sociodemographic variables predict quality of life after radiography in patients with head-and-neck cancer. Intl J Radiat Oncol Biol Phys 52(3):779–783. https://doi.org/10.1016/S0360-3016(01)02600-1

    Article  Google Scholar 

  20. von Gruenigen VE, Huang HQ, Gil KM, Gibbons HE, Monk BJ, Rose PG, Armstrong DK, Cella D, Wenzel L (2009) Assessment of factors that contribute to decreased quality of life in Gynecologic Oncology Group ovarian cancer trials. Cancer 115(20):4857–4864. https://doi.org/10.1002/cncr.24520

    Article  CAS  Google Scholar 

  21. Wenzel L, Huang H, Monk B, Rose P, Cella D (2005) Quality-of-life comparisons in a randomized trial of interval secondary cytoreduction in advanced ovarian carcinoma: a Gynecologic Oncology Group study. J Clin Oncol 23(24):5605–5612. https://doi.org/10.1200/jco.2005.08.147

    Article  PubMed  Google Scholar 

  22. Consumer Council (2017) Comparison of critical illness insurance and cancer insurance. CHOICE Magazine 483:36–42

    Google Scholar 

  23. Cella D, Tulsky D, Gray G, Sarafian B, Linn E, Bonomi E, Silberman M, Yellen S, Winicour P, Brannon J (1993) The Functional Assessment of Cancer Therapy scale: development and validation of the general measure. J Clin Oncol 11(3):570–579. https://doi.org/10.1200/jco.1993.11.3.570

    Article  CAS  PubMed  Google Scholar 

  24. Yu CLM, Fielding R, Chan CLW, Tse VKC, Choi PHK, Lau WH, Choy DTK, O SK, Lee AWM, Sham JST (2000) Measuring quality of life of Chinese cancer patients. Cancer 88 (7):1715–1727. doi:https://doi.org/10.1002/(sici)1097-0142(20000401)88:7<1715::aid-cncr28>3.0.co;2-k

  25. Hosmer DW, Lemeshow S (2000) Applied logistic regression. John Wiley & Sons, New York

    Book  Google Scholar 

  26. Trevethan R (2017) Sensitivity, specificity, and predictive values: foundations, pliabilities, and pitfalls in research and practice. Front Public Health 5:307. https://doi.org/10.3389/fpubh.2017.00307

    Article  PubMed  PubMed Central  Google Scholar 

  27. Honda K, Gyawali B, Ando M, Kumanishi R, Kato K, Sugiyama K, Mitani K, Masuishi T, Narita Y, Bando H, Taniguchi H, Kadowaki S, Ura T, Muro K (2019) Prospective survey of financial toxicity measured by the COmprehensive Score for financial Toxicity in Japanese patients with cancer. J Glob Oncol 5:1–8. https://doi.org/10.1200/jgo.19.00003

    Article  PubMed  Google Scholar 

  28. Ripamonti CI, Chiesi F, Di Pede P, Guglielmo M, Toffolatti L, Gangeri L, Allocca E (2020) The validation of the Italian version of the COmprehensive Score for financial Toxicity (COST). Support Care Cancer 28(9):4477–4485. https://doi.org/10.1007/s00520-019-05286-y

    Article  PubMed  Google Scholar 

  29. Darby K, Davis C, Likes W, Bell J (2009) Exploring the financial impact of breast cancer for African American medically underserved women: a qualitative study. J Health Care Poor Underserved 20(3):721–728. https://doi.org/10.1353/hpu.0.0176

    Article  PubMed  Google Scholar 

  30. The Government of the Hong Kong SAR (2018) LCQ3: provision of new targeted therapy drugs and financial assistance for cancer patients. https://www.info.gov.hk/gia/general/201806/06/P2018060600630.htm

  31. Zafar S, Lee N, McCarthy J, Nasso S, Saltz L (2017) How should we intervene on the financial toxicity of cancer care? One shot, four perspectives. Am Soc Clin Oncol Educ Book 37:35–39. https://doi.org/10.1200/edbk_174893

    Article  PubMed  Google Scholar 

  32. Zafar S, Peppercorn J (2017) Patient financial assistance programs: a path to affordability or a barrier to accessible cancer care? J Clin Oncol 35(19):2113–2116. https://doi.org/10.1200/jco.2016.71.7280

    Article  PubMed  PubMed Central  Google Scholar 

  33. Beeler WH, Mierzwa ML, Bellile E, Burger N, Worden F, Dragovic AF, Chapman CH, Owen D, Prince ME, Spector ME, Stucken CL, Shuman A, McLean S, Chinn SB, Malloy K, Casper K, Swiecicki PL (2018) Financial toxicity in patients with head and neck cancer undergoing radiation therapy. Intl J Radiat Oncol Biol Phys 102:e406. https://doi.org/10.1016/j.ijrobp.2018.07.1195

    Article  Google Scholar 

  34. Chapple A, Ziebland S, McPherson A, Summerton N (2004) Lung cancer patients’ perceptions of access to financial benefits: a qualitative study. Br J Gen Pract 54:589–594

    PubMed  PubMed Central  Google Scholar 

  35. Moffatt S, Noble E, White M (2012) Addressing the financial consequences of cancer: qualitative evaluation of a welfare rights advice service. PLoS One 7(8):e42979. https://doi.org/10.1371/journal.pone.0042979

    Article  CAS  PubMed  PubMed Central  Google Scholar 

  36. Smith S, Nicolla J, Zafar S (2014) Bridging the gap between financial distress and available resources for patients with cancer: a qualitative study. J Oncol Pract 10(5):e368–e372. https://doi.org/10.1200/jop.2013.001342

    Article  PubMed  PubMed Central  Google Scholar 

  37. Chan A, Chiang YY, Low XH, Yap KY, Ng R (2013) Affordability of cancer treatment for aging cancer patients in Singapore: an analysis of health, lifestyle, and financial burden. Support Care Cancer 21(12):3509–3517. https://doi.org/10.1007/s00520-013-1930-4

    Article  PubMed  Google Scholar 

  38. Tran G, Zafar SY (2018) Financial toxicity and implications for cancer care in the era of molecular and immune therapies. Ann Transl Med 6:166. doi:https://doi.org/10.21037/2Fatm.2018.03.28

  39. Dean LT, Schmitz KH, Frick KD, Nicholas LH, Zhang Y, Subramanian SV, Visvanathan K (2018) Consumer credit as a novel marker for economic burden and health after cancer in a diverse population of breast cancer survivors in the USA. J Cancer Surviv 12(3):306–315. https://doi.org/10.1007/s11764-017-0669-1

    Article  PubMed  PubMed Central  Google Scholar 

Download references

Funding

This study was funded by The Chinese University of Hong Kong (reference number: CA-1806).

Author information

Authors and Affiliations

Authors

Contributions

Marques S.N. Ng, Weijie Xing, Raymond J. Chan and Winnie K.W. So contributed to the conception and design of the study. Data were acquired by Pui Shan Ho, Cecilia Au, Mandy Chan, Man Tong, Wai Man Ling, Maggie Chan and Suzanne S.S. Mak. Marques S.N. Ng and Kai Chow Choi analysed the data. Marques S.N. Ng, Dorothy N.S. Chan, Cho Lee Wong and Winnie K.W. So interpreted the data. Marques S.N. Ng wrote the first draft of the manuscript. All the other authors critically reviewed and revised the manuscript. All authors had read and approved the final version of the manuscript.

Corresponding author

Correspondence to Winnie K.W. So.

Ethics declarations

Conflict of interest

The authors declare that they have no conflict of interest.

Ethics approval

This study was approved by the Joint CUHK-NTEC Clinical Research Ethics Committee (reference number: 2018.456) and the institutional research boards of the study sites.

Consent to participate

All patients provided written informed consent.

Consent for publication

All patients provided written informed consent.

Additional information

Publisher’s note

Springer Nature remains neutral with regard to jurisdictional claims in published maps and institutional affiliations.

Supplementary Information

ESM 1

(DOCX 15 kb)

ESM 2

(PPTX 81 kb)

Rights and permissions

Reprints and permissions

About this article

Check for updates. Verify currency and authenticity via CrossMark

Cite this article

Ng, M.S., Choi, K.C., Chan, D.N. et al. Identifying a cut-off score for the COST measure to indicate high financial toxicity and low quality of life among cancer patients. Support Care Cancer 29, 6109–6117 (2021). https://doi.org/10.1007/s00520-020-05962-4

Download citation

  • Received:

  • Accepted:

  • Published:

  • Issue Date:

  • DOI: https://doi.org/10.1007/s00520-020-05962-4

Keywords

Navigation