Navigation Links
Uninsured face hurdles choosing health insurance
Date:11/11/2013

The new federal health-care law gives millions of Americans access to medical insurance. However, choosing the right coverage a daunting task for most people could be even more difficult for those who have never had health insurance, according to a new study at Washington University School of Medicine in St. Louis.

Although the research took place before enrollment under the federal Affordable Care Act began last month, the study's authors identified hurdles that appear to be common among the uninsured. These include a lack of understanding familiar terms such as coinsurance and deductible that are necessary to compare and choose among available health plans.

"Selecting the best health-insurance option can be confusing, even for people who have gone through the process for many years," said Mary Politi, PhD, an assistant professor of surgery and the study's lead author. "We need to do a better job communicating information about health insurance to help people make the choices that work best for them."

The study, one of the first to examine how well people who never have had health insurance understand key insurance terms and details, appears online in Medical Care Research and Review.

In October, U.S. citizens began enrolling for health-care coverage expanded under the Affordable Care Act, popularly known as Obamacare. The plans take effect as early as Jan. 1; open enrollment continues until March 31.

Findings from the study suggest that health-care navigators workers hired under the federal law to help people sign up for health insurance will play an important role. The navigators could simplify details, use visuals and provide context for unfamiliar terms to help people better understand their health insurance choices, the study's authors said.

Researchers examined how well people who have been without health insurance understand such key terms as coinsurance, deductible, out-of-pocket maximum, prior authorization and formulary. (The latter is a list of medications that are approved under a health insurance policy.) Those terms were among the most difficult for study participants, 51 uninsured Missourians from rural, urban and suburban parts of the state.

The study also found that:

  • People who have been without health insurance but have had experience with auto insurance were more familiar with deductibles.
  • Those who have had health insurance understood more terms than those who have never had it.
  • Even individuals who have had previous experience with health insurance confused the meaning of similar terms, such as urgent care and emergency care or co-insurance and co-payment.

Based on their findings, the researchers are testing ways to improve communication about health insurance and the newly created state and federal health insurance exchanges. This effort is especially important for individuals with limited health literacy and math skills, given the complex information required to understand plan differences, Politi said.


'/>"/>

Contact: Jim Goodwin
jgoodwin@wustl.edu
314-286-0166
Washington University School of Medicine
Source:Eurekalert  

Related medicine news :

1. Affordable Birth Control for the Uninsured
2. Long Beach Radiologists Give Uninsured Patients a Solution to the Affordable Care Act
3. Rice U study: Technology, not uninsured patients, driving hospital costs
4. Zane Benefits Publishes New Information on Uninsured Americans Census Report
5. Allied Anesthesia Physicians Volunteer to Help Orange County’s Uninsured
6. Low-income uninsured adults less likely to have chronic conditions compared with Medicaid enrollees
7. USC report: Law dramatically reduced hospital prices for the uninsured
8. America’s Sole Proprietors are Independent, Confident and Often Uninsured
9. COPD May Be Over-Diagnosed Among Uninsured
10. Study finds COPD is over-diagnosed among uninsured patients
11. Prostate Cancer May Be Deadlier for the Uninsured
Post Your Comments:
*Name:
*Comment:
*Email:
Related Image:
Uninsured face hurdles choosing health insurance
(Date:4/29/2016)... ... April 29, 2016 , ... Shamangelic Healing, ... addition Onnit brand Alpha BRAIN and New Mood Daily-Stress Formula for brain optimization ... optimization products to the store is just one more way Shamangelic Healing supports ...
(Date:4/29/2016)... ... April 29, 2016 , ... The White House announced efforts ... more information about their loan terms and accounts, and more protections for borrowers. ... federal and private loans, has reached $1.3 trillion, with 43 million Americans holding ...
(Date:4/29/2016)... ... April 29, 2016 , ... ... team BioCellection won the $30,000 Perlman Grand Prize of the 2016 Wharton Business ... Award, the Michelson People’s Choice Award, and the Committee Award for Most ‘Wow ...
(Date:4/29/2016)... ... April 29, 2016 , ... Dr. Robert Mondavi, one of the dentists ... dentistry is a fast-growing field as more patients are discovering the many different ways ... about the options currently available to them and which ones might work for their ...
(Date:4/29/2016)... Jupiter, FL (PRWEB) , ... April 29, 2016 ... ... it will feature Grassland Dairy Products, Inc. in an upcoming episode, airing third ... than a century of churning cream into butter, Grassland Dairy Products, located in ...
Breaking Medicine News(10 mins):
(Date:4/27/2016)... , le 27 Avril 2016 ... a progressé de +5% sur le trimestre, soutenu ... de consommables  Croissance de +16% des ... Mauna Kea Technologies (Euronext : MKEA, FR0010609263 ; ... confocale laser, annonce aujourd,hui son chiffre d,affaires pour ...
(Date:4/27/2016)... York , April 27, 2016 ... report titled, "Skincare Devices Market - Global Industry Analysis, ... According to the report, the global skincare devices market ... is anticipated to expand at a CAGR of 10.1% ... in 2023. Browse the full Skincare Devices Market ...
(Date:4/27/2016)... Kan. , April 27, 2016  Bayer ... , a senior from the University of Florida ... of the Bayer Excellence in Communication Award (BECA). ... schools, which were awarded a total of $70,000 ... the last four years, Bayer has provided a ...
Breaking Medicine Technology: