scholarly journals The Financial Burden of Inadequate Health Insurance Coverage

2021 ◽  
Author(s):  
Talar W. Markossian ◽  
Timothy Classen
Keyword(s):  
Health Insurance ◽  
Financial Burden ◽  
Insurance Coverage ◽  
Health Insurance Coverage

Autism and Families' Financial Burden: The Association With Health Insurance Coverage

2015 ◽  
Vol 120 (2) ◽  
pp. 166-175 ◽  
Author(s):  
Susan L. Parish ◽  
Kathleen C. Thomas ◽  
Christianna S. Williams ◽  
Morgan K. Crossman
Keyword(s):  
Health Insurance ◽  
Medical Expenditure Panel Survey ◽  
Financial Burden ◽  
Private Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Autism Spectrum ◽  
Medical Expenditure ◽  
Outpatient Services ◽  
Raising Children

Abstract We examined the relationship between family financial burden and children's health insurance coverage in families (n  =  316) raising children with autism spectrum disorders (ASD), using pooled 2000–2009 Medical Expenditure Panel Survey data. Measures of family financial burden included any out-of-pocket spending in the previous year, and spending as a percentage of families' income. Families spent an average of $9.70 per $1,000 of income on their child's health care costs. Families raising children with private insurance were more than 5 times as likely to have any out-of-pocket spending compared to publicly insured children. The most common out-of-pocket expenditure types were medications, outpatient services, and dental care. This study provides evidence of the relative inadequacy of private insurance in meeting the needs of children with ASD.

scholarly journals Challenges with Pain Treatment for Rural Older Adults: Family Caregivers' Views

2021 ◽  
Vol 5 (Supplement_1) ◽  
pp. 893-894
Author(s):  
Hyunjin Noh ◽  
Cho Rong Won ◽  
Zainab Suntai
Keyword(s):  
Older Adults ◽  
Health Insurance ◽  
Family Caregivers ◽  
Rural Areas ◽  
Pain Treatment ◽  
Financial Burden ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Thinking Skills ◽  
Rural Older Adults

Abstract Family caregivers face various challenges in assisting older adults experiencing pain and difficult symptoms. Living in rural areas poses additional obstacles to their caregiving. The purpose of this study was to explore family caregivers’ lived experiences in caring for older adults with pain and discomfort in rural communities. A qualitative research design was adopted to capture the common essence of participants’ experiences through a phenomenological method. Purposeful sampling was used, and the participant criteria was: age 18+, have good thinking skills, resident of Alabama, provide unpaid assistance to a family/relative who has chronic/serious health conditions and experienced pain/discomfort in the last 3 months. Ten participants were recruited from rural counties of Alabama. Individual semi-structured interviews were conducted via phone and were recorded and transcribed verbatim. Inductive, thematic analysis of the data revealed themes in five categories: 1) impact of pain (physical and psychological/emotional toll), 2) coping strategies (faith/contentment with life/logistical adaptation), 3) impact of Covid-19 (physical health/social interaction/mental health/added caregiving), 4) challenges in pain treatment (transportation (time/distance/driver/cost) and non-transportation related problems (healthcare provider issues/health insurance/financial burden)), and 5) suggestions (transportation-related (more transportation options/tailored services) and non-transportation-related support (home-based services/better health insurance coverage)). Findings of this study highlight rural family caregivers’ unique experiences in assisting older adults’ access to pain treatment, particularly during the Covid-19 pandemic. Policy- and program-level intervention is called for to increase individualized transportation options, improve health insurance coverage, and expand financial support for rural older adults experiencing pain and their caregivers.

Revisiting equity in healthcare spending through capability-approach: assessing the effectiveness of health-insurance schemes in reducing OOPE and CHE in India

2020 ◽  
Vol ahead-of-print (ahead-of-print) ◽  
Author(s):  
Rinshu Dwivedi ◽  
Jalandhar Pradhan
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Capability Approach ◽  
Financial Burden ◽  
Private Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Sample Survey ◽  
Content Type ◽  
The Impact

Purpose This paper aims to draw theoretical insight from Sen’s capability-approach and attempts to examine the effectiveness of health-insurance-schemes in reducing out-of-pocket-expenditure (OOPE) and catastrophic-health-expenditure (CHE) in India. Design/methodology/approach Data were extracted from the National-Sample-Survey-Organization, 71st round on Health-2014. Generalized-linear-regression-model was used to investigate the impact of social-protection-schemes on OOPE and CHE. Findings A notable segment of the Indian population is still not covered under any health-insurance-schemes. The majority of the insured population was covered by publicly-financed-health-insurance-schemes (PFHIs), with a trivial-share of private-insurance. Households from 16–59 age-group, urban, literate, richest, southern-regions, using private-facilities and having ear and skin ailments have reported higher insurance coverage. Reimbursement was higher among elderly, literates, middle-class, central-regions, using private-facilities/insurance and for infections. Access to PFHIs significantly reduces the risk of OOPE and CHE. Unavailability of reimbursement exposes the population to a higher risk of CHE. Research limitations/implications Being a study based on secondary data sources, its applicability may vary as per the other social indicators. Practical implications Extending insurance-coverage alone cannot answer the widespread inequalities in health care. Rather, an efficiently managed reimbursement-mechanism could condense OOPE and CHE by enhancing the capability of the population to confront the undue financial burden. Social implications Extending the health-insurance-coverage to the entire population requires a better understanding of the underlying-dynamics and health-care needs and must make health-care affordable by enhancing the overall capability. Originality/value This research brings a theoretical and conceptual analysis for improving the health-insurance coverage among the community as a public health strategy.

scholarly journals Pelatihan Deteksi Karier Thalassemia kepada Bidan di Banyumas

2021 ◽  
Vol 5 (5) ◽  
Author(s):  
Lantip Rujito ◽  
Qodri Santosa ◽  
Diyah Woro Dwi Lestari ◽  
Eman Sutrisna ◽  
Ariadne Tri Hapsari
Keyword(s):  
Genetic Counseling ◽  
Health Insurance ◽  
National Health Insurance ◽  
National Health ◽  
Health Workers ◽  
Financial Burden ◽  
Insurance Coverage ◽  
National Health System ◽  
Health Insurance Coverage ◽  
Knowledge And Skills

Thalassemia ranks top on the list of diseases caused by the monogenic mechanism, especially in hematology disorders. Currentlly, Thalassemia ranks 5th in the national health insurance coverage. Prevention is the only effective way to control the clinical, psychological and financial burden of the country. One aspect of prevention is the discovery and genetic counseling process of persons who carry the mutan gene or carier of thalassemia. Midwives as the most peripheral health workers in the national health system are very important in their role in the discovery and counseling of these people. Provision of sufficient knowledge and skills of midwives can be a reliable tool in efforts to prevent thalassemia in the community.

scholarly journals Health insurance policies for magnetic resonance imaging tests in Korea

2021 ◽  
Vol 64 (3) ◽  
pp. 172-176
Author(s):  
Dong Ah Shin
Keyword(s):  
Magnetic Resonance Imaging ◽  
Health Insurance ◽  
Magnetic Resonance ◽  
Medical Care ◽  
Financial Burden ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Coverage Rate ◽  
Resonance Imaging ◽  
The Government

On August 9, 2017, the government announced a policy to strengthen health insurance coverage. The main goal is to increase the health insurance coverage rate and lower the national medical expense burden by an average of 18% by 2022. This policy was proposed without consulting doctors, a major medical care provider, and raised the impression of populism. It is a concern that this policy may place an additional financial burden on the medical clinics, which are already suffering due to poor financial circumstances. Although the policy is already in progress, it is necessary to carefully review whether the government and the medical community can afford it in terms of the national healthcare financial burden and the implementation possibility of this policy. There is no disagreement on the efficient supply of qualified medical care. However, it must be a sustainable system in Korea. Simply increasing the coverage rate does not increase the quality of healthcare. This study aims to analyze the government's health insurance policy for magnetic resonance imaging tests and suggest proper countermeasures.

Challenges with insurance and finances: Results from the 2012 Livestrong survey.

2014 ◽  
Vol 32 (30_suppl) ◽  
pp. 208-208
Author(s):  
Stephanie Nutt ◽  
Carla Bann ◽  
Sarah R. Arvey ◽  
Linda Squiers ◽  
Ruth Rechis
Keyword(s):  
Health Insurance ◽  
Cancer Survivors ◽  
Online Survey ◽  
Financial Burden ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Financial Resources ◽  
Insurance Company ◽  
Related Factors ◽  
The U.S

208 Background: More than 1.5 million new cancer cases occur each year in the U.S., and accessing health care is critical for mortality as well as for improving survivorship outcomes for cancer survivors. Methods: LIVESTRONG conducted an online survey of cancer survivors from June to December 2012. The current analyses include 4,320 respondents who were U.S. residents and diagnosed in 2002 or later. Results: Survivors in this study reported that for those who did not receive all of the medical care they needed they did not receive care because the insurance company wouldn’t pay for the care (41%) or they couldn’t afford the care (23%), with nine percent being denied health insurance coverage due to a cancer diagnosis. Other challenges reported included insurance not paying for a second opinion (8%) or the doctor/facility of the survivor’s choice (18%). Controlling for demographic and cancer-related factors, those diagnosed most recently (2010-2012) were less likely to report experiencing these challenges. Compounding insurance issues was the financial burden. Thirty percent of survivors reported that they or their family members had to borrow money or go into debt because of their cancer and five percent of survivors reported spending down their assets to qualify for Medicaid or a cancer-related program. Conclusions: In previous studies, patients who lack sufficient health insurance coverage tend to have poorer health outcomes. Overall, the data highlights that more can be done to connect survivors with the needed insurance and financial resources they need to access adequate cancer care during their treatment and beyond. [Table: see text]

scholarly journals The Personal Financial Burden of Chronic Rhinosinusitis: A Canadian Perspective

2017 ◽  
Vol 31 (4) ◽  
pp. 216-221 ◽  
Author(s):  
Jonathan Yip ◽  
Allan D. Vescan ◽  
Ian J. Witterick ◽  
Eric Monteiro
Keyword(s):  
Health Care ◽  
Health Insurance ◽  
Chronic Rhinosinusitis ◽  
Health Care System ◽  
Financial Burden ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Perceived Burden ◽  
Snot 22 ◽  
Care System

Background Previous studies describe the financial burden of chronic rhinosinusitis (CRS) from the perspective of third-party payers, but, to our knowledge, none analyze the costs borne by patients (i.e., out-of-pocket expenses [OOPE]). Furthermore, this burden has not been previously investigated in the context of a publicly funded health care system. Objective The purpose of this study was to characterize the financial impact of CRS on patients, specifically by evaluating its associated OOPEs and the perceived financial burden. The secondary aim was to determine the factors predictive of OOPEs and perceived burden. Methods Patients with CRS at a tertiary care sinus center completed a self-administered questionnaire that assessed their socioeconomic characteristics, disease-specific quality of life (22-item Sino-Nasal Outcome Test [SNOT-22]), workdays missed due to CRS, perceived financial burden, and direct medical and nonmedical OOPEs over a 12-month period. Total OOPEs were calculated from the sum of direct medical and nonmedical OOPEs. Regression analyses determined factors predictive of OOPEs and the perceived burden. Results A total of 84 patients completed the questionnaires. After accounting for health insurance coverage and the median direct medical, direct nonmedical, and total OOPEs per patient over a 12-month period were Canadian dollars (CAD) $336.00 (2011) [U.S. $339.85], CAD $129.87 [U.S. $131.86], and CAD $607.10 [U.S. $614.06], respectively. CRS resulted in an average of 20.6 workdays missed over a 12-month period. Factors predictive of a higher financial burden included younger age, a greater number of previous sinus surgeries, <80% health insurance coverage, residing out of town, and higher SNOT-22 scores. Conclusion Total OOPEs incurred from the treatment of CRS may amount to CAD $607.10 [U.S. $614.06] per patient per year, within the context of a single-payer health care system. Managing clinicians should be aware of patient groups with a greater perceived financial burden and consider counseling them on strategies to offset expenses, including obtaining travel grants, using telemedicine for follow-up assessments, providing drug samples, and streamlining diagnostic testing with medical visits.

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