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

mum, 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.


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

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