scholarly journals HEALTH INSURANCE LITERACY, HEALTH STATUS, AND CONCERNS ABOUT AFFORDABILITY OF HEALTH INSURANCE NEAR RETIREMENT

2019 ◽  
Vol 3 (Supplement_1) ◽  
pp. S12-S12
Author(s):  
Aaron M Scherer ◽  
Erica Solway ◽  
Preeti Malani ◽  
Jamie Luster ◽  
Jeffrey Kullgren ◽  
...  

Abstract Results from the NPHA highlight the link between health insurance affordability concerns and delaying/forgoing health care near retirement. We sought to determine factors associated with health insurance affordability concerns for US adults age 50-64. We regressed little/no confidence in health insurance affordability in retirement/within the next year on health insurance literacy, age, gender, race/ethnicity, income, employment, education, and health status. Factors associated with greater health insurance affordability concerns included lower health insurance literacy—measured via confidence knowing health insurance terms (aOR=1.78, p=0.035), identifying covered services (aOR=1.81, p=0.038), and finding out service costs (aOR=2.69, p<0.001)—female gender (aOR=1.73, p=0.001), and fair/poor health (aOR=1.88, p=0.020). Factors associated with fewer health insurance affordability concerns included African-American race (aOR=0.55, p=0.038) and higher income (aOR=0.34, p<0.001). These results suggest that it may be possible to reduce health insurance affordability concerns and delayed/forgone care by improving adults’ confidence in understanding and using health insurance.

2019 ◽  
Vol 64 (2) ◽  
pp. 79-89 ◽  
Author(s):  
Omolola Adepoju ◽  
Andrew Mask ◽  
Alexander McLeod

2020 ◽  
Vol 3 (3) ◽  
pp. 77-90
Author(s):  
Anju Adhikari ◽  
Nand Ram Gahatraj ◽  
Dipendra Kumar Yadav

Health insurance poses a vital role in developing countries, to attain an equitable health outcome to all citizens by ensuring universal health coverage.  This study aims to assess the factors associated with non-enrollment in National Health Insurance Scheme (NHIS) in a setting of Nepal. A cross-sectional study was conducted among 492 households (246 non-enrolled and 246 enrolled) of Kaski district, Nepal from May to August 2020. Data were gathered from face-to-face interview. Data were entered in Epi data 3.1 and analysed by using statistical package for social sciences (SPSS16).  Descriptive and inferential statistics were performed to analyze the data. The household without elderly family members were 2.06 times less likely to enroll in the scheme (AOR=2.060, CI=1.141-3.721, p<0.01). Similarly, non-enrollment increases with the decreasing wealth quintile of the family (AOR=4.312, CI=1.881-9.880, p<0.001). Families who perceived their family health status as fair was more likely to join the scheme than those as a good health status. Households who had poor or average knowledge on the scheme were almost five times more likely to non-enrollment (AOR=4.641, CI=2.841-7.582, p <0.001). Factors that determine the non-enrolment in NHIS are households had without elderly family members, poor wealth quintile, self-perceived good health status and poor knowledge on NHIS. Effective coordination from different stakeholders need to increase the health insurance coverage and increase the health literacy through the wide coverage of health communication program.


Author(s):  
Prabin Sharma ◽  
Dipendra Kumar Yadav ◽  
Niranjan Shrestha ◽  
Prabesh Ghimire

Background: Nepal’s national social health insurance (SHI) program, which started in 2016, aims to achieve universal health coverage (UHC), but it faces severe challenges in achieving adequate population coverage. By 2018, enrolment and dropout rates for the scheme were 9 percent and 38 percent respectively. Despite government's efforts, retaining the members in SHI scheme remains a significant challenge. The current study therefore aimed to assess the factors associated with social health insurance program dropout in Pokhara, Nepal. Methods: A cross-sectional household survey of 355 households enrolled for at least one year in the national social health insurance program was conducted. A structured questionnaire was used to conduct face-to-face interviews with household heads were conducted using a structured questionnaire. Data was entered in Epi-Data and analysed using SPSS. The factors associated with social health insurance program dropout were identified using bivariate and multiple logistic regression analyses. Results: The findings of the study revealed a dropout prevalence of 28.2% (95% confidence interval: 23.6%-33.2%). Households having more than five members [adjusted odds ratio (aOR) 2.19, 95% CI: 1.22-3.94], belonging to underprivileged ethnic groups (Dalit/Janajati) (aOR 2.36, 95% CI: 1.08-5.17), living on rented homes (aOR: 4.53, 95%CI 1.87-10.95), absence of chronic illness in family (aOR 1.95, 95%CI: 1.07-3.59), perceived good health status of the family (aOR 4.21, 95%CI: 1.21-14.65), having private health facility as first contact point (aOR 3.75, 95%CI: 1.93-7.27), poor availability of drugs (aOR 4.75, 95%CI: 1.19-18.95) and perceived unfriendly behaviour of service providers (aOR 3.09, 95%CI: 1.01- 9.49) were statistically significant factors associated with SHI dropout. Conclusion: In Pokhara, more than one-fourth of households have dropped out of the Social Health Insurance Scheme, which is a significant number. Dropping out of SHI is most commonly associated with a lack of drugs, followed by rental housing, family members’ reported good health status and unfriendly service provider behaviour. Efforts to reduce SHI dropout must focus on addressing drugs availability issues and improving providers’ behaviour towards scheme holders. Increasing insurance awareness, including provisions to change first contact points, may help to reduce dropouts among rented households, which make up a sizable proportion of the Pokhara metropolitan area.


2017 ◽  
Vol 19 (2) ◽  
pp. 240-245 ◽  
Author(s):  
Virginia Brown

Health insurance literacy is an emerging concept in the health education and health promotion field. The passage of the Affordable Care Act highlighted the link between health insurance and health outcomes. However, the law does not specifically address how the public should be educated on choosing an appropriate health insurance plan. Research shows adults, regardless of previous health insurance status, are likely confused and uncertain about their selection. The University of Maryland Extension developed and created health insurance Smart Choice Health Insurance™ to reduce confusion and increase confidence and capability to make this decision. Andragogy, an adult learning theory, was used to guide the development of the program and help ensure best practices are used to achieve desired outcomes. Using the six principles of andragogy, the team incorporated reality-based case studies, allowed adults time to practice, and emphasized choice making and many other elements to create an atmosphere conducive to adult learning. Results from Smart Choice indicate the program is successful in reducing confusion and increasing confidence. Furthermore, feedback from participants and trained educators indicates that adults were engaged in the program and found the materials useful. Based on program success, creation of new health insurance literacy programs grounded in adult education principles is under way.


2019 ◽  
Vol 31 (1) ◽  
pp. 81-86

The purpose of this study was to investigate oral health status and oral health care services utilization among Myanmar residents in Japan. A crosssectional epidemiological study was performed among 152 Myanmar residents aged 18 to 67 years in Tokyo, Japan. Clinical oral examinations and questionnaire surveys were conducted from June to July, 2017. Caries prevalence for all participants was 70.4% with mean decayed, missing, and filled teeth (DMFT) of 2.72±2.91. The prevalence of periodontal disease (Community Periodontal Index - CPI code 1) for all participants was 93.4%. A total of 67 participants (44.1%) had the experience of dental visits in Japan. Most participants (84.2%) had Japanese health insurance, and the participants with health insurance had a significantly higher number of filled teeth than those without (p=0.036). DMFT (p=0.020) and the prevalence of periodontal disease (p=0.049) were significantly lower in participants with health insurance than in those without. Further, self-perceived oral health was better in participants with health insurance than those without (p=0.001). The status of health insurance was indicated to influence on oral health status. In order to promote oral health and facilitate on owning health insurance to Myanmar residents in Japan, oral health education also should be provided to enhance their oral health knowledge.


2020 ◽  
Vol 16 (32) ◽  
pp. 2635-2643
Author(s):  
Samantha L Freije ◽  
Jordan A Holmes ◽  
Saleh Rachidi ◽  
Susannah G Ellsworth ◽  
Richard C Zellars ◽  
...  

Aim: To identify demographic predictors of patients who miss oncology follow-up, considering that missed follow-up has not been well studies in cancer patients. Methods: Patients with solid tumors diagnosed from 2007 to 2016 were analyzed (n = 16,080). Univariate and multivariable logistic regression models were constructed to examine predictors of missed follow-up. Results: Our study revealed that 21.2% of patients missed ≥1 follow-up appointment. African–American race (odds ratio [OR] 1.33; 95% CI: 1.17–1.51), Medicaid insurance (OR 1.59; 1.36–1.87), no insurance (OR 1.66; 1.32–2.10) and rural residence (OR 1.78; 1.49–2.13) were associated with missed follow-up. Conclusion: Many cancer patients miss follow-up, and inadequate follow-up may influence cancer outcomes. Further research is needed on how to address disparities in follow-up care in high-risk patients.


Vaccines ◽  
2021 ◽  
Vol 9 (3) ◽  
pp. 300
Author(s):  
Patricia Soares ◽  
João Victor Rocha ◽  
Marta Moniz ◽  
Ana Gama ◽  
Pedro Almeida Laires ◽  
...  

It is critical to develop tailored strategies to increase acceptability of the COVID-19 vaccine and decrease hesitancy. Hence, this study aims to assess and identify factors associated with COVID-19 vaccine hesitancy in Portugal. We used data from a community-based survey, “COVID-19 Barometer: Social Opinion”, which includes data regarding intention to take COVID-19 vaccines, health status, and risk perception in Portugal from September 2020 to January 2021. We used multinomial regression to identify factors associated with intention to delay or refuse to take COVID-19 vaccines. COVID-19 vaccine hesitancy in Portugal was high: 56% would wait and 9% refuse. Several factors were associated with both refusal and delay: being younger, loss of income during the pandemic, no intention of taking the flu vaccine, low confidence in the COVID-19 vaccine and the health service response during the pandemic, worse perception of government measures, perception of the information provided as inconsistent and contradictory, and answering the questionnaire before the release of information regarding the safety and efficacy of COVID-19 vaccines. It is crucial to build confidence in the COVID-19 vaccine as its perceived safety and efficacy were strongly associated with intention to take the vaccine. Governments and health authorities should improve communication and increase trust.


Author(s):  
Minsung Sohn ◽  
Minsoo Jung ◽  
Mankyu Choi

To investigate the effects of public and private health insurance on self-rated health (SRH) status within the National Health Insurance (NHI) system based on socioeconomic status in South Korea. The data were obtained from 10 867 respondents of the Korea Health Panel (2008-2011). We used hierarchical panel logistic regression models to assess the SRH status. We also added the interaction terms of socioeconomic status and type of health insurance as moderators. Medical aid (MA) recipients were 2.10 times more likely to have a low SRH status than those who were covered only by the NHI, even though the healthcare utilization was higher. When the interaction terms were included, those not covered by the NHI and had completed elementary school or less were 16.59 times more likely to have a low SRH status than those covered by the NHI and had earned a college degree or higher. Expanding healthcare coverage to reduce the burden of non-payment and unmet use to improve the health status of MA beneficiaries should be considered. Particularly, the vulnerability of less-educated groups should be focused on.


BMJ Open ◽  
2021 ◽  
Vol 11 (2) ◽  
pp. e043584 ◽  
Author(s):  
Joseph E Ebinger ◽  
Gregory J Botwin ◽  
Christine M Albert ◽  
Mona Alotaibi ◽  
Moshe Arditi ◽  
...  

ObjectiveWe sought to determine the extent of SARS-CoV-2 seroprevalence and the factors associated with seroprevalence across a diverse cohort of healthcare workers.DesignObservational cohort study of healthcare workers, including SARS-CoV-2 serology testing and participant questionnaires.SettingsA multisite healthcare delivery system located in Los Angeles County.ParticipantsA diverse and unselected population of adults (n=6062) employed in a multisite healthcare delivery system located in Los Angeles County, including individuals with direct patient contact and others with non-patient-oriented work functions.Main outcomesUsing Bayesian and multivariate analyses, we estimated seroprevalence and factors associated with seropositivity and antibody levels, including pre-existing demographic and clinical characteristics; potential COVID-19 illness-related exposures; and symptoms consistent with COVID-19 infection.ResultsWe observed a seroprevalence rate of 4.1%, with anosmia as the most prominently associated self-reported symptom (OR 11.04, p<0.001) in addition to fever (OR 2.02, p=0.002) and myalgias (OR 1.65, p=0.035). After adjusting for potential confounders, seroprevalence was also associated with Hispanic ethnicity (OR 1.98, p=0.001) and African-American race (OR 2.02, p=0.027) as well as contact with a COVID-19-diagnosed individual in the household (OR 5.73, p<0.001) or clinical work setting (OR 1.76, p=0.002). Importantly, African-American race and Hispanic ethnicity were associated with antibody positivity even after adjusting for personal COVID-19 diagnosis status, suggesting the contribution of unmeasured structural or societal factors.Conclusion and relevanceThe demographic factors associated with SARS-CoV-2 seroprevalence among our healthcare workers underscore the importance of exposure sources beyond the workplace. The size and diversity of our study population, combined with robust survey and modelling techniques, provide a vibrant picture of the demographic factors, exposures and symptoms that can identify individuals with susceptibility as well as potential to mount an immune response to COVID-19.


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