The underinsured state is one in which people have some type of health insurance, but they don’t have enough financial coverage required to cover their medical expenses without using their income. Their medical expenses will be greater than 10 percent of their annual income, and /or their health plan deductibles equal to or is greater than five percent of their annual income (Nunley & Washington Health Policy Fellows, 2008). There are many social factors related to the situation of the uninsured status. The main reason for the uninsured status is low-income due to unemployment. Even when people have employment, they may not have the privilege of medical benefit from their employers. Sometimes the people are just unable to afford the expenses
It's not the poor people’s fault they can’t afford expensive
It is hard for a person who is not paid enough to put food on the table for the entire family. However, these questions continue to bother many, leading to health problems such as
Immigrants in comparison to other native-born Americans have lower rates of health care. Percentages of uninsured immigrants depend on factors such as place of origin. The higher risk of not having insurance depends on the individual's socioeconomic factors after being in the country. Despite immigrant parents not being insured themselves their children aren't insured either. Children born in this country with non-citizenship or naturalized parents have lower rates of health insurance both in public and private facilities than children born here with both parents.
Preventing Medical ID Theft: The Unemployed and Uninsured Due to their difficult circumstances, some groups are at a higher risk for becoming identity thieves. The unemployed and uninsured may use another person 's identity because of a belief that it 's the only way they can receive quality medical care. Since they 're unemployed, they don 't have access to an employer 's healthcare benefits, and they can 't afford to buy medical insurance because they don 't have a job. It 's a vicious cycle, and it can make good people do bad things.
Should the government play a key role in aiding the uninsured, or should market forces reign supreme? I believe the government needs to play a key role in aiding the uninsured. Our country's core value is “life, liberty and pursuit of happiness.” I believe healthcare is applied to this core value with governments helping insure United States citizens.
I 've learned while conducting these interviews that both indivuials have similar issues within the healthcare system. one of the biggest issues both interviewees faces was the cost of healthcare and health insurance coverage. One of the interviewees has a chronic illness, and at times has to decide if she wants to purchase her needed medication or to buy groceries for herself and her family. The other interviewee although employed, doesn 't have health insurance coverage because its too costly every month. it seems they 're both appreciative of the fact there is a somewhat healthcare system with health care providers and professionals available to them, but feels its only available if you have health insurance coverage.
By the cost of health care being so high it causes many immigrants to not insure themselves or their families. Uninsured immigrants do not just affect illegal immigrants but those that are legal as well. Camarota (2009) states that, “in 2007, 33.2 percent of
46.8 million Americans were reported as uninsured in 2013, which equivocates to one sixth of the population. Those without insurance have revealed that they risk “more problems getting care, are diagnosed at later disease stages, and get less therapeutic care” (National Health Care Disparities Report) and those insured risk losing their insurance. Inadequately covered citizens are often working-class individuals who simply cannot receive insurance due to uncontrollable inconveniences and therefore jeopardize having medical coverage. In these instances, Americans have a chance of being diagnosed with diseases that they had no opportunity to prevent or could not diagnose them at an early stage of the illness. Patients have suffered unnecessarily due to lack of health care, and “18,000 Americans die every year because they don't have health insurance” (PNHP).
1. What does the term health disparities mean? Health disparities are preventable differences in the burden of disease, injury, violence, or opportunities to achieve optimal health that are experienced by socially disadvantaged populations. Populations can be defined by factors such as race, ethnicity, gender, education, or income, disability, geographic location orientation.
The majority of American healthcare are the low income consumers, is a total of 55% who receive health insurance are through their employers and 32% receive health insurance through a government programs. Some of the Federal health care officers were aiming low-income consumers with new advertisements. For most of the
It be treated in the public hospitals and clinics that is supplied by public insurance since it lacks the least facilities that can treat any patient, consequently low, middle, and high income families shift to private insurance since it can provide the least facilities. Adding to that, private insurance can provide a plan of payment according to the patient’s salary, but each plan has its benefits and coverage. Some other private insurance have special enrollment periods. For instance, according to HealthCare.gov (2015)“ special enrollment period such as having a baby, getting married or moving to a new
Lori, You have brought forth valuable information pertaining to a vulnerable population. Prior to reading I was aware of children being a vulnerable population, however I did not realize that children in Nevada did not have adequate access to healthcare. What I found most concerning was the possibility that uninsured children might miss a yearly check up during a critical child growth and development stage. Children should have the ability, regardless of insurance to see a medical professional during stages of development and growth (Deloye, Hensley, Teramoto, Phebus, & Ashby, 2014. In my opinion, both the community nurse and school nurse should work cohesively to ensure that all children receive adequate health care.