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Underinsurance in America

Article Abstract:

Many US residents do not have adequate health care insurance, and many do not have any health insurance. Those that have health insurance fear losing it. Many health insurance plans do not provide enough coverage if an individual or one of their family members develops a serious illness. Over 60% of group health insurance plans have a special clause that excludes coverage for an illness that existed before the plan went into effect. Other group insurance plans do not pay for prenatal care, well baby care, childhood vaccinations, office visits or physical examinations. Many have large deductibles and copayments. Medicare does not provide enough medical coverage for the elderly, and many spend their life savings before qualifying for Medicaid. Individuals who are underinsured often receive inadequate health care, or have an increased risk of unnecessary complications and dying.

Evaluation, Column, Medically uninsured persons

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Cost sharing in the emergency department - is it safe? Is it needed?

Article Abstract:

Cost sharing in the emergency department may be effective as long as the copayment is not too much. Many insurance plans require patients to make a copayment when they visit an emergency room. However, these copayments may prevent many low-income patients from seeking medical care. Studies have shown that many patients cut back on preventive care when they have to co-pay. A 1997 study found that a copayment of $25 to $50 did not delay patients with chest pain from visiting an emergency room. However, these patients belonged to an HMO and the results may not apply to uninsured patients.

Editorial, Usage, Emergency medical services

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