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I nflammatory Bowel Disease: Ulcerative Colitis and Crohn’s Disease Update. Dr . Shelley Rahn October 13, 2017. Topics We Will Cover - IBD. Etiology Similarities and differences Treatment update Underwriting concerns Cases. –Spastic colitis Mucous Colitis. What we will not cover.
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Inflammatory Bowel Disease:Ulcerative Colitis and Crohn’s Disease Update Dr. Shelley Rahn October 13, 2017
Topics We Will Cover - IBD Etiology Similarities and differences Treatment update Underwriting concerns Cases
–Spastic colitis Mucous Colitis What we will not cover IBS - IrritableBowelSyndrome
Common Features • Inflammatory bowel diseases • Cause mostly not understood • Genetic predisposition • Autoimmune component • Multifactorial • Symptoms • Gastrointestinal bleeding • Ulceration • Abdominal cramps/pain • Diarrhea • Weight loss • Relapse/remission • Extraintestinal manifestations • Increased cancer risk in affected large intestine after 8-10 years since disease onset • Treatment
Extraintestinal manifestations Bold = more common in UC than Crohn’s, R = more common in Crohn’s
Microsocpic: Granulomas Microsocpic: No Granulomas Complications: Abscesses Fistulas Strictures Complications: No abscesses No fistulas Toxic megacolon Stricture only if there is cancer Celgene.com
UC VS Crohn’s Ulcerative Colitis Crohn’s
Treatment • Historical perspective • Crohn’s and Ulcerative Colitis can be chronic, frequently disabling diseases • Relapsing/remitting course • Surgical intervention • Poor quality of life • Often starts in younger ages causing years of low productivity (although there is a second peak onset in older women ages 60-70) • Steroid dependence
Treatment • Steroids (immune suppressants) prednisone budesonide • 5-ASA preparations – sulfasalazine, mesalamine • Antibiotics – metronidazole, rifaxamin, cipro • Non-Steroidal Immunosuppressants • Non-biologics • Biologics
Nonsteroidal immunosuppressants: • Non biologics – oldies, ? goodies • Methotrexate (MTX) • 6-mercaptopurine -6MP (Purinethol) • Azathioprine (Imuran) • Cyclosporine, tacrolimus • Biologics – relatively new kids on the block, very effective • Tumor necrosis factor (TNF) inhibitors • Anti -integrins or Integrin inhibitors
Biologics • TNF inhibitors (Anti TNFs) • infliximab (Remicade) • adalimumab (Humira) • certolizumab (Cimzia) • ustekinumab (Stelara) • golimumab (Simponi) • Integrin inhibitors (Anti-integrins) • natalizumab (Tysabri) – rarely causes white matter disease of the brain • vedolizumab(Entyvio) no adverse brain effect – does not cross blood brain barrier • etrolizumab
Biologics • What makes them biologic? • They are “manufactured” in living cells – yeast, bacteria or human cell lines • They are antibodies • If they work so well, why aren’t they used as first line drug? • Life long commitment thus far • Expensive • Infusion or injected • Side effect profile
Biologics: What’s New? • Biologics are being used more commonly and earlier in disease course • No longer reserved for severe disease only • Side effect profile better understood and less frightening • Infection risk and possible lymphoma risk – probably similar to non-biologics - small risk, worse if combined with non-biologicsand/or steroids • Newer anti integrin – vedoluzimab (Entyvio)-safer
Adverse Effects of Biologics • Injection site reactions • Infusion reactions (immediate and delayed) • Joint aches, muscle aches, fatigue, fever • Serious infection • Tuberculosis (screen with PPD) • “Opportunistic infections” (legionella, listeria, fungal) • Activation of Hepatitis B or C • Demyelinating disease? (relationship not established) • Heart failure/pulmonary disease (no clear evidence) • Malignancy
Biosimilars – the future • New formulations of biologics • Nearly identical to “reference” or “originator” biologic • Same clinical activity, safety profile, purity • Different inactive components • Theoretically cheaper
Malignancy • The only malignant condition for which a clear relationship has been established is non-melanotic skin cancer
Case #1 • 28 y o female attorney: • a)Life - $1 million of term and • b)Disability- $3000/month benefit, 90 day elimination period, to age 65 benefit period, future insurability rider (extra cost to allow additional monthly benefit with financial underwriting only) • On application • Colitis diagnosed 7 years ago • Last visit one year ago • Meds: Imuran, Asacol (mesalamine preparation – 5-ASA)
What do you want to know? • What disease does she have? Crohn's or UC • What has been the clinical course? • If Crohn’s: • Other parts of GI tract involved • Abscess, fistula, surgery • Perianal disease
What do you want to know? (cont’d) • If either Crohn’s or UC: • Degree of severity with flares weight loss, bleeding, anemia • Responsiveness to treatment • Specific medications • Extraintestinal manifestations – joints, back, skin, biliary disease • Degree of adequate follow up – most recent colonoscopy • History of surgery and type of surgery • Current labs – albumin, liver enzymes
Underwriting considerations - UC Favorable • Disease stability • Sulfasalazine or other 5 ASA medication or no treatment • Disease limited to proctitis • Routine colonoscopy for disease ≥8-10 years • Currently asymptomatic • Symptoms mild with flares • Normal LFTs especially alkaline phosphatase– no sclerosing cholangitis • No extracolonic symptoms • No current anemia (when data available) • Normal serum albumin (when data available) • No dysplasia or colon cancer
Underwriting considerations - UC Unfavorable • Recent diagnosis (within past 6 months to a year) • Immunosuppressant medications • Disease beyond the rectum • Inadequate surveillance colonoscopy • Current symptoms • Severe symptoms with disease flares • Abnormal LFTs- particularly Alkphos and GGT • Extracolonic symptoms • Current anemia Hgb ≤ 10.5 (when data available) • Serum albumin <3.8 (when data available) • Dysplasia or colon cancer
Crohn’s Disease UW ConsiderationsFavorable • Diagnosis older than age 25 • Mild symptoms • BMI ≥ 18 • No anemia • Serum albumin ≥ 3.8 - 4.0 • No surgery • No prolonged steroid use • No immunosuppressant use • Diagnosis more than 3-5 years ago • Mild or no extra-intestinal manifestations • Adequate follow up
Underwriting Considerations – Crohn’s Unfavorable • Moderate to severe symptoms • BMI <18 • Anemia • Serum albumin < 3.8 - 4.0 • Immunosuppressant other than occasional steroids or methotrexate • History of surgery, abscess, stricture, fistula • Diagnosis less than 5 years ago • Inadequate follow up
APS information • Crohn’s colitis and terminal ileitis diagnosed 9 years ago – abdominal cramps, bloody diarrhea. Not hospitalized • Diagnosed by colonoscopy with skip lesions, terminal ileum involvement, granulomas on biopsy • No extraintestinal manifestations • Initially treated with prednisone and mesalamine • Improved but relapsed whenever prednisone was tapered • Started Imuran about 7 years ago and has been stable since • Current labs normal • BMI 22- stable • No history of surgery • Last colonoscopy 7 years ago
Severity of disease/Mortality and Morbidity Risk • Mild, Moderate or Severe • Flares easily controlled but requires immunosuppressant therapy • Otherwise stable Moderate Crohn’s (not the same as mortality risk) • Assess based on mortality/morbidity associated with • Underlying disease – risk of progression, complications including colon cancer • Treatment – risk of medications – infection, malignancy
Mortality Risk • Mortality risk has been studied in populations – • Some studies indicate similar to population (not the same as an insured population) • Other studies find 50% increase mortality over standard population • So how do we assess mortality • Have to assess on an individual basis as those with complications have a higher mortality • Poorly responsive to medication, fistulas, abscesses, multiple surgeries, recurrent infections
“What ifs?” • What if she was 11 years since diagnosis with no colonoscopy in 5 years? • risk of colorectal cancer increases by 0.5-1% per year. • What if she had a recent colonoscopy with finding of pseudopolyps? • What if she had a recent colonoscopy with low grade dysplasia? • Incidence of cancer is 2-3/100 person years • What if her labs showed alkaline phosphatase of 210/GGT 150?
What if she was a trial attorney? • Beware of stress related comments in the APS • Be aware of occupation limiting access to bathroom facility
Case #2 • 28 y o female attorney: • a)Life - $1 million of term and • b)Disability- $3000/month benefit, 90 day elimination period, to age 65 benefit period, future insurability rider (extra cost to allow additional monthly benefit with financial underwriting only) • On application • Crohn’s colitis diagnosed 7 years ago • Last visit one year ago • Meds: Remicade (infliximab), Asacol (mesalamine preparation – 5-ASA) Does this alter risk assessment?
Case #3 - What if she was not on immunosuppressants? • 28 y o female attorney: • a)Life - $1 million of term and • b)Disability- $3000/month benefit, 90 day elimination period, to age 65 benefit period, future insurability rider (extra cost to allow additional monthly benefit with financial underwriting only) • On application • Crohn’s colitis diagnosed 7 years ago • Last visit one year ago • Meds: Asacol (mesalamine preparation – 5-ASA) Does this alter risk assessment?
What if she told us on the application that she had colitis since 2001, on dicyclomine? • Need to determine if this is IBD or IBS (inflammatory bowel disease or irritable bowel syndrome) • Dicyclomine (Bentyl) - not usually for IBD, mostly used for IBS
Summary • Complicated diseases with many factors to consider • Mortality risk – devil is in the details – can be low to uninsurable • Morbidity risk – can truly be disabling but motivation, occupation can play a major role • Biologics have been miracle drugs and have changed the course of the disease • More drugs surely to come • Better screening for colon cancer risk will come eventually