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Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.
Roughly 40 million Americans have no health insurance, private or public, and the number has grown steadily over the past 25 years. Who are these children, women, and men, and why do they lack coverage for essential health care services? How does the system of insurance coverage in the U.S. operate, and where does it fail? The first of six Institute of Medicine reports that will examine in detail the consequences of having a large uninsured population, Coverage Matters: Insurance and Health Care, explores the myths and realities of who is uninsured, identifies social, economic, and policy factors that contribute to the situation, and describes the likelihood faced by members of various population groups of being uninsured. It serves as a guide to a broad range of issues related to the lack of insurance coverage in America and provides background data of use to policy makers and health services researchers.
This book examines the behavior of individuals at risk and insurance industry policy makers involved in selling, buying and regulation.
Health Insurance is a Family Matter is the third of a series of six reports on the problems of uninsurance in the United Sates and addresses the impact on the family of not having health insurance. The book demonstrates that having one or more uninsured members in a family can have adverse consequences for everyone in the household and that the financial, physical, and emotional well-being of all members of a family may be adversely affected if any family member lacks coverage. It concludes with the finding that uninsured children have worse access to and use fewer health care services than children with insurance, including important preventive services that can have beneficial long-term effects.
The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.
The Patient Protection and Affordable Care Act (ACA) was designed to increase health insurance quality and affordability, lower the uninsured rate by expanding insurance coverage, and reduce the costs of healthcare overall. Along with sweeping change came sweeping criticisms and issues. This book explores the pros and cons of the Affordable Care Act, and explains who benefits from the ACA. Readers will learn how the economy is affected by the ACA, and the impact of the ACA rollout.
Hidden Cost, Value Lost, the fifth of a series of six books on the consequences of uninsurance in the United States, illustrates some of the economic and social losses to the country of maintaining so many people without health insurance. The book explores the potential economic and societal benefits that could be realized if everyone had health insurance on a continuous basis, as people over age 65 currently do with Medicare. Hidden Costs, Value Lost concludes that the estimated benefits across society in health years of life gained by providing the uninsured with the kind and amount of health services that the insured use, are likely greater than the additional social costs of doing so. The potential economic value to be gained in better health outcomes from uninterrupted coverage for all Americans is estimated to be between $65 and $130 billion each year.
My sincere and heartfelt motivation for writing this book has risen out of and because of the stressful economic conditions facing individuals and families of today. The last twenty years of my life have been devoted to serving clients as their insurance agent. I have worked to match needs and wants with the financial budgets that were before us and available at the time. However, I have come to realize and witness that the industry I love, worked in, and was educated in is one of many industries that are causing economic stress in the family today. The vision I have for this book is to help equip you as a consumer before purchasing any and all types of insurance. I don't intend to make you an expert, but I do intend on sharing with you the knowledge I have gained over the last twenty-four years. My intention for the book is to be an easy read with thought-provoking questions. I have included the questions for the purpose of helping you ask the right questions. When purchasing insurance, you have to ask questions and not feel like the questions you are asking are dumb or do not apply. Further, my vision for the book is that it will help consumers young and old be confident when making their insurance purchases. Also, I have shared some hypothetical situations that are simple, to the point, and in some case real life. Further, I hope the book will convey a real-life message to readers before something actually happens to them. Hopefully this book might create a picture in their minds that could save their lives or save them time and money. You as a consumer are purchasing an intangible product when you buy insurance. Insurance is a product that cannot be touched or seen. Another goal for this book is to give the consumer some tangible information to make the right decisions when purchasing insurance from their local insurance agent or buying online from someone he or she does not know and cannot see. Most importantly, my intentions for the book are to help the insurance consumer be most informed and knowledgeable, for knowledge is power.