Predictors of Health Insurance Literacy Among University Employees

2021 ◽  
Vol 36 (2) ◽  
pp. 103-114
Author(s):  
Laura K. Merrell ◽  
Dayna S. Henry ◽  
Sarah R. Blackstone ◽  
Timothy Howley
Keyword(s):  
Health Insurance ◽  
Insurance Coverage ◽  
Cross Sectional Study ◽  
Public Institution ◽  
Cross Sectional ◽  
State Health Insurance ◽  
Health Promotion Programs ◽  
Health Insurance Literacy ◽  
The Usa ◽  
Adequate Coverage

Background: Health insurance literacy (HIL) is “the degree to which individuals have the knowledge, ability, and confidence to find and evaluate information about plans, select the best plan for their own or their families’ financial and health circumstances and use the plan once enrolled”. Many Americans have low health insurance literacy, but this concept has not been studied to the same extent as general health literacy. Objective: The purpose of this study was to explore predictors of health insurance literacy among employees of a large public institution of higher education in the South-Atlantic. Design: This single-setting cross-sectional study employed an online, anonymous survey administered to approximately 3,000 employees at a large university in the USA after open enrollment in state health insurance. The survey measured demographics and included a validated measure of health insurance literacy. Results: Using several multivariate regression models, results (N=480) indicated high overall HIL. Subscale means were highest for likelihood of using insurance plans proactively and confidence comparing insurance plans but were lower for confidence choosing and using insurance plans, indicating lack of understanding that may lead to poor insurance coverage choice and use. Employment category, income, race, and age also predicted HIL. Discussion: Based on the results, there is an opportunity for employers to provide information about health insurance policies. Health promotion programs should also seek to increase HIL through educational programs and policies to ensure both adequate coverage and ability to use health insurance in such a way that it promotes and protects one’s health.

scholarly journals Faktor-faktor yang berhubungan dengan pemberian air susu ibu eksklusif di Kabupaten Sleman

2017 ◽  
Vol 33 (8) ◽  
pp. 391
Author(s):  
Safitri Dwicahyani ◽  
Yayi Suryo Prabandari
Keyword(s):  
Health Insurance ◽  
Exclusive Breastfeeding ◽  
Maternal Education ◽  
Secondary Data ◽  
Cross Sectional Study ◽  
Dominant Factor ◽  
Cross Sectional ◽  
Lactating Mothers ◽  
Health Promotion Programs ◽  
To Receive

Determinants of exclusive breastfeeding in SlemanPurposeThe purpose of this paper was to determine the factors associated with the exclusive provision of breast milk in Sleman.MethodsA cross-sectional study was conducted using secondary data derived from HDSS Sleman Cycles I and II. The sample in this study were 218 mothers with children aged 7 to <24 months.ResultsThe ownership of health insurance and the use of bottles and pacifiers were significantly associated with exclusive breastfeeding. Maternal age, maternal education, and maternal occupation were not significantly associated with exclusive breastfeeding. Mothers with health insurance are 2.14 times more likely to exclusively breastfeed than those without health insurance. Infants who never use bottles, and pacifiers before the age of 6 months are 5.14 times more likely to receive exclusive breastfeeding than those who used bottles / dots before the age of 6 months.ConclusionThe use of bottles, and pacifiers is the most dominant factor associated with exclusive breastfeeding. Coverage of health insurance, especially in pregnant and lactating mothers and effective health promotion programs related to exclusive breastfeeding needs to be improved. HDSS Sleman needs to analyze the data more in-depth on exclusive breast-feeding.

scholarly journals Societal preferences for standard health insurance coverage in the Netherlands: a cross-sectional study

BMJ Open ◽  
2012 ◽  
Vol 2 (2) ◽  
pp. e001021 ◽  
Author(s):  
Ineke van der Wulp ◽  
Wilbert B van den Hout ◽  
Marieke de Vries ◽  
Anne M Stiggelbout ◽  
Elske M van den Akker-van Marle
Keyword(s):  
Health Insurance ◽  
The Netherlands ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Cross Sectional Study ◽  
Sectional Study ◽  
Cross Sectional ◽  
Societal Preferences

scholarly journals The association of obesity with health insurance coverage and demographic characteristics: a statewide cross-sectional study

Medicine ◽  
2020 ◽  
Vol 99 (27) ◽  
pp. e21016 ◽  
Author(s):  
Evangelia K. Mylona ◽  
Gregorio Benitez ◽  
Fadi Shehadeh ◽  
Elvira Fleury ◽  
Sophia C. Mylonakis ◽  
...  
Keyword(s):  
Health Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Cross Sectional Study ◽  
Demographic Characteristics ◽  
Sectional Study ◽  
Cross Sectional

scholarly journals Health insurance coverage and its awareness among population in the rural field practice area of Adichunchanagiri Institute of Medical Sciences, B G Nagara, Karnataka

2019 ◽  
Vol 6 (3) ◽  
pp. 1065
Author(s):  
L. M. Manuja ◽  
P. G. Viswanatha ◽  
Kanchana Nagendra
Keyword(s):  
Health Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Cross Sectional Study ◽  
Medical Sciences ◽  
Chi Square ◽  
Cross Sectional ◽  
Statistical Measures ◽  
Field Practice ◽  
Chi Square Test

Background: In India, there is marked lack of awareness of health insurance in the rural and low socioeconomic sector due to reasons like the existing burden on the poor making them reluctant to think of the credit policies that are actually issued in their interest, illiteracy, lack of exposure and the growth of the private sectors has an upper hand over public sectors. Hence this study was done with the objective to determine the health insurance coverage and its awareness including perception among the rural population around Adichunchanagiri Institute of Medical Sciences, BG Nagara, Mandya.Methods: This cross sectional study was carried out among 295 households in the rural field practice area of Adichunchanagiri Institute of Medical Sciences, B G Nagara for a period of 3 months. Personal interview of the households was done using pretested semi structured questionnaire after obtaining the consent. Data was entered in MS excel and descriptive statistical measures like percentage, mean, and standard deviations were calculated. An inferential statistical measure like Chi square test was applied.Results: Among 295 households, Male constituted 49.5% and Hindus were 94.9%. 44.7% of the families were enrolled to health insurance schemes and 75.0% of them use to renew their health insurance scheme regularly. The factors which were significantly associated with health insurance enrollment and awareness were gender, education, occupation, hospitalization during last year and socioeconomic status. Only 173 (58.6%) of the respondents were aware of health insurance.Conclusions:More than half of the study population was covered by health insurance policies and majority of them were unaware of the available insurance schemes, risks and benefits of the same.  

scholarly journals Health insurance coverage and its awareness among population in the rural field practice area of Adichunchanagiri Institute of Medical Sciences, B G Nagara, Karnataka

2019 ◽  
Author(s):  
L. M. Manuja ◽  
P. G. Viswanatha ◽  
Kanchana Nagendra
Keyword(s):  
Health Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Cross Sectional Study ◽  
Medical Sciences ◽  
Chi Square ◽  
Cross Sectional ◽  
Statistical Measures ◽  
Field Practice ◽  
Chi Square Test

Background: In India, there is marked lack of awareness of health insurance in the rural and low socioeconomic sector due to reasons like the existing burden on the poor making them reluctant to think of the credit policies that are actually issued in their interest, illiteracy, lack of exposure and the growth of the private sectors has an upper hand over public sectors. Hence this study was done with the objective to determine the health insurance coverage and its awareness including perception among the rural population around Adichunchanagiri Institute of Medical Sciences,BG Nagara, Mandya.Methods: This cross sectional study was carried out among 295 households in the rural field practice area of Adichunchanagiri Institute of Medical Sciences, B G Nagara for a period of 3 months. Personal interview of the households was done using pretested semi structured questionnaire after obtaining the consent. Data was entered in MS EXCEL and Descriptive statistical measures like percentage, mean, and standard deviations were calculated. An inferential statistical measure like Chi square test was applied.Results: Among 295 households, Male constituted 49.5% and Hindus were 94.9%. 44.7% of the families were enrolled to health insurance schemes and 75.0% of them use to renew their health insurance scheme regularly. The factors which were significantly associated with health insurance enrollment and awareness were gender, education, occupation, hospitalization during last year and socioeconomic status. Only 173 (58.6%) of the respondents were aware of health insurance.Conclusions: More than half of the study population was covered by health insurance policies and majority of them were unaware of the available insurance schemes, risks and benefits of the same.

Socioeconomic inequality in catastrophic healthcare expenditures in Western Iran

2019 ◽  
Vol 46 (9) ◽  
pp. 1049-1060 ◽  
Author(s):  
Satar Rezaei ◽  
Mohammad Hajizadeh ◽  
Sina Ahmadi ◽  
Sadaf Sedghi ◽  
Bakhtiar Piroozi ◽  
...  
Keyword(s):  
Health Insurance ◽  
Healthcare Expenditure ◽  
Socioeconomic Inequality ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Cross Sectional Study ◽  
Cross Sectional ◽  
Content Type ◽  
The Poor ◽  
Poor Households

Purpose Financial protection of households against catastrophic healthcare expenditure (CHE) is defined as one of the main goals in health systems. The purpose of this paper is to measure and decompose socioeconomic inequality in CHE among households in Kermanshah province, Western of Iran. Design/methodology/approach This cross-sectional study was carried out among 1,188 households in 2017. Data were extracted from the Household Income and Expenditure Survey which is conducted by the Statistical Center of Iran. The CHE is defined as household healthcare expenditure greater than or equal to the 40 percent of household’s “capacity to pay.” The concentration curve and the Wagstaff (W) and Erreygers (E) indexes were used to illustrate and measure the extent of socioeconomic inequality in CHE. In addition, the authors decomposed the W and E indexes to identify the main determinants of socioeconomic inequality in CHE. Findings The results indicated that the prevalence of CHE among households was 4.12 percent (95% confidence interval (CI): 3.13 to 5.42 percent). The estimated value of the W and E indexes were −0.2849 (95% CI: −0.4493 to −0.1205) and −0.0451 (95% CI: −0.0712 to −0.0190), respectively; suggesting the concentration of CHE prevalence among the poor households. Decomposition analyses indicated socioeconomic status as the most important factor contributing to the concentration of CHE among the poor. In contrast, health insurance coverage was found to increase the concentration of CHE among the rich in Iran. Originality/value The current study demonstrated a higher concentration of CHE among the poor households in Kermanshah province. These results call for the government’s efforts to reduce healthcare expenditure among socioeconomically disadvantaged populations. Further studies are required to understand the mechanisms through which health insurance coverage increased the probability of CHE among rich in Kermanshah province.

PARTICIPATING IN HEALTH INSURANCE AND FACTORS AFFECTING AMONG PERSONS WHOSE ENROLMENT IS VOLUNTARY IN THUA THIEN HUE PROVINCE

2015 ◽  
pp. 89-95
Author(s):  
Thi Hoai Thuong Nguyen ◽  
Hoang Lan Nguyen ◽  
Mau Duyen Nguyen
Keyword(s):  
Health Insurance ◽  
Insurance Coverage ◽  
Health Insurance Coverage ◽  
Health Insurance Scheme ◽  
Insurance Scheme ◽  
Cross Sectional ◽  
Factors Affecting ◽  
The People ◽  
Universal Health Insurance Coverage ◽  
The Social

Background:To provide information helps building policy that meets the practical situation and needs of the people with the aim at achieving the goal of universal health insurance coverage, we conducted this study with two objectives (1) To determine the rate of participating health insurance among persons whose enrolment is voluntary in some districts of ThuaThien Hue province; (2) To investigate factor affecting their participation in health insurance. Materials and Methodology:A cross-sectional descriptive study was conducted in three districts / towns / city of ThuaThien Hue in 2014. 480 subjects in the voluntary participation group who were randomly selected from the study settings were directly interviewed to collect information on the social, economic, health insurance participation and knowledge of health insurance. Test χ2 was used to identify factors related to the participation in health insurance of the study subjects. Results:42.5% of respondents were covered by health insurance scheme. Factors related to their participation were the resident location (p = 0.042); gender (p = 0.004), age (p <0.001), chronic disease (p <0.001), economic conditions (p<0.001) and knowledge about health insurance (p <0.001). Conclusion: The rate of participating health insurance among study subjects was low at 42,5%. There was "adverse selection" in health insurance scheme among voluntary participating persons. Providing knowledge about health insurance should be one of solutions to improve effectively these problems. Key words: Health insurance, voluntary, Thua Thien Hue

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