...Avoiding the Uninsured 1. Running head: AVOIDING THE UNINSURED Avoiding the Uninsured How City Hospitals are Giving Up on the Poor Gerard Molnar Keller Graduate School of Management Health Service Systems HS541 Dr. Nancy Borkowski February 21, 2010 Avoiding the Uninsured 2. How City Hospitals are Giving Up on the Poor On a sunny, unseasonably warm autumn day in September of 2008, twelve individuals, seven women, five men picked up a dozen shovels in a field in New Lenox, IL and drove them into the ground. Thus the $400 million 289-bed state-of-the-art Silver Cross replacement hospital at Route 6 and Clinton Road was born. Silver Cross Hospital has, in fact been around since 1892 in nearby Joliet just five miles north up Interstate 55. At the ceremony, Dr. Daniel Gutierrez, Chairman of the Silver Cross Board of Directors used the original shovel that broke ground for the current hospital back in 1892 and in doing so he mixed Joliet soil with that of New Lenox soil forever linking the hospital’s past with that of its future (Village of New Lenox, 2008). So why would you, after serving a community for 118 years, suddenly pack up and move only five miles down the road? All the officials at the groundbreaking ceremony that day said all the right things. Silver Cross President and CEO Paul Pawlak said, Not many hospitals have the opportunity to build a brand new facility, but Silver Cross is not like other hospitals. The culture of Silver Cross is the spirit of “can...
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...One of the major issues in the state of Texas is uninsured statistics of health insurance for minorities. Texas is known to be the uninsured capital of the United States with more than 4.3 million Texans, including 600K plus children, that lack possession of health insurance. Texas uninsured rate is about 2 times the national average, which is 9.1%, making it to create significant problems in the funding and distribution of health care to the state of Texas. Those who do not have insurance coverage typically experience worse health status than insured groups because of the lack of medical attention. The uninsured in Texas is a very mixed group that includes people who can’t afford private health insurance, work in businesses that do not offer...
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...available to all. Trends in coverage for children are important to study because they are completely reliant on their parents and guardians for good health. In the event of illness or injury, parents may be faced with the challenge of high costs of medical treatment. Coverage patterns have changed significantly from 1998 to 2011 according to DeVoe et al. (2011). During this time, there was an increase in publicly insured children with uninsured parents. This is an indication of seemingly high cost of private coverage, paired with reductions in employer-sponsored insurance offerings, and an overall lack of opportunities for adults to meet...
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...Uninsured in the United States NURS 3005 Section 1, The Context of Healthcare Delivery June 16, 2013 Uninsured in the United States Who are the uninsured and who are the recipients of uncompensated care? If you are one of the people who lives in poverty, a single parent, or middle class parents who work minimum wage jobs, then you are the uninsured. The uninsured accounts for most of the population and many people think financing the uninsured has raised the cost of health care. How did the United States health care get in this way? How have the uninsured citizens of this country received health care and what are some solutions? The purpose of this paper is to discuss the uninsured issue, how it affects the health care system in the United States, and how can the influence of nursing help the uninsured. Uncompensated care in the United States How does a person define uncompensated care? By researching this topic, the conclusion is uncompensated care and uninsured goes hand and hand. According to the American Hospital Association (2012), uncompensated care is a bad debt that comes from an uninsured patient or insurer who is unable to pay their bill (p.1). The uncompensated care does not include underpayments from Medicare and Medicaid. This affects the millions of uninsured and underinsured Americans who seek medical attention from community clinics and hospitals. When the clinics and hospitals are unable to meet the cost to operate effectively...
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...The Effects of Uninsured Driving on Motor Insurance Business Abstract Driving a motor vehicle without insurance cover is an offence that has an effect on motor insurance business. Despite the fact that Malta is, like other countries, affected by the issue of uninsured driving accidents, data on the subject is very limited. As a result, the effects of uninsured driving on insurance business and society are not fully known or understood. Likewise, the views of those concerned with the problem are not toally clear. This research study goes a long way to identify the effects of uninsured driving on the motor insurance industry. Local and European legislation concerning uninsured driving, together with primary data collection through questionnaires provide an enhanced understanding of uninsured driving from a local viewpoint. The incidence of uninsured driving in Malta appears to be increasing the burden of the costs is being incurred by honest policyholders and by insurance companies. The findings suggest that the public is not sufficiently aware of the consequences of driving without insurance and the local insurance industry does not have adequate measures to calculate the incidence rate of uninsured driving. In spite of the fact that it appears that the victims of uninsured driving are being well-served by the current compensation system, improvements can be implemented, especially with regards to how the system is funded. love and faith in me. Special...
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...The Uninsured Persons Access to Healthcare March 8, 2015 The Uninsured Persons Access to Health Care Health insurance is a luxury. This is something that has become apparent listening to the ongoing debate about healthcare reform. The Center for Disease Control and Prevention reports that in 2013 there were 44.3 million uninsured people under age 65 in the United States. The purpose of this paper is to discuss how these 44.3 million are able to access healthcare and how there lack of access is detrimental to everyone. The Uninsured Two-thirds of people who are uninsured are between the ages of 18-65, have a job and more than half of these older adults have an increased risk of serious health problems. Being uninsured breaks all gender and ethnicity barriers and affects mainly the poor or near poor (Mason, Leavitt & Chaffee, 2014). Uninsured people have less access to preventative services and have more trouble finding a doctor or finding one that will take them as a new patient than those with public or private insurance (Gindi, Kirzinger & Cohen, 2012). When they do seek out medical attention many times it is in an emergency room and there illness may be in more advanced stages which means that there treatment will be more expensive. According to the Agency for Healthcare Research and Quality (AHRQ) the average ER visit can cost around $1500, the subsequent bill for these visits can be difficult to pay when that is more than you make...
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...Policy Analysis Paper The fate of uninsured Veterans: A policy Analysis University of Mississippi Medical Center School of Nursing Define the problem and assemble the evidence Too many Veterans in the United States lack health insurance and are ineligible to receive care provided by the Veteran’s Health Administration. According to American Community Survey (ACS) conducted in 2010, one in 10 of the nation’s 12.5 million veterans under the age of 65 is uninsured. A veteran is defined by federal law as any person who served for any length of time in any military service branch. Contrary to the presumption of most, not all veterans qualify for free healthcare through the Department of Veteran Affairs. The Veterans Health Administration (VHA) operates as a branch of the Department of Veterans Affairs and is the largest health system in the nation. It is recognized for its commitment to providing high-quality population specific healthcare. The VHA also works closely with academic medical centers across the nation. Haley and Kenney (2012) identify eligibility for health care provided by the VHA as being on veteran status, service-connected disabilities and income level. Other factors include demographic location and cost sharing requirements. Health insurance coverage for veterans as with other groups of nonelderly adults has heavy dependence on access to employer sponsored insurance (ESI) and the costs of obtaining it. It must also be considered that the majority of...
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...Uninsured and Under-insured Population Brittany Hopkins U.S. Health Care System Dr. Sherry Grover July 25, 2014 Having a large uninsured and underinsured population has been a problem troubling the health care system in the United States. Ethnicity, gender, income level and age all play a role in determining whether an individual is likely to have health coverage. Children, young adults and ethnic minorities are unreasonably represented among the two groups. Over the last few decades the population of the uninsured has risen due to job market in the economy and the fact that most insurance is tied to employment, also becomes a problem as the unemployment rate rises. Health care is financed by different means. You have public and private financing. Public financing options are through the government and states and usually consist of Medicare and Medicaid. Private financing options consist of self-insurance, group insurance and Managed Care Plans. Even though there are options available to citizens that want to have health insurance, finances also come into play. The rising cost of health insurance plus the rising cost of medical care are impacting families tremendously. The incapability to pay medical bills for treatment affects not only the uninsured but also the underinsured. According to health care article published by The Journal of Legal Medicine in March 2008, nearly 47 million Americans were not covered by insurance companies. Another 20% are underinsured, which...
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...to undocumented immigrants will improve the public road safety. To get a driver's license, everyone should take a writing test, get a learner's permit, and then take the practice road test for the license. These processes allow each driver to better know the driving laws and the consequences of violating these laws. As a result of that we will have more trained drivers and less uninsured motorists. Drivers will be obligated to obtain insurance if they are acquiring a vehicle. By having insurance, motorists are ensuring the safety of drivers in Massachusetts because of the decreasing of the hit-and-run. When involved in an accident, an undocumented driver is more likely to flee the scene even is not...
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...and Affordable Care Act originally required states to expand their Medicaid programs to provide health care coverage to people earning as much as 138 percent of the federal poverty level regardless of whether or not they have children living at home. However, in 2012, a Supreme Court ruling made Medicaid expansion optional for the individual states (Ellison, 2014). As of July 20, 2015, 30 states including the District of Columbia had chosen to implement expansion. Utah is still debating the issue, while 19 remaining states have decided not to expand Medicaid coverage. According to the Congressional Budget Office, by 2016, the ACA is expected to reduce the number of uninsured by 25 million, with a 12 million increase in Medicaid enrollment (CBO, 2013). Overall, an estimated 29 percent of the current 47.6 million uninsured are eligible for Medicaid in their state (Rudowitz, R., 2013). In June 04, 2014, Becker’s Hospital CFO published an article, which presented a report from the Colorado Hospital Association. “The CHA collects monthly reported financial and volume data for hospitals across the country. The...
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...The United States ranks among the top countries in the world with the highest amount of money going into expenses aiding innovations in the medical field. Statistics shows that that the U.S. also ranks highest with infant mortality rate and lowest with life expectancy compared to other developed countries ("Introduction To The Uninsured: Current Controversies"). These results probably have much to do with the fact that as of 2008, 15 percent of the U.S. population is not covered by any means of health care insurance ("Introduction To The Uninsured: Current Controversies"). Not having health insurance because of the fact of how costly it is can be a contributing factor to people putting off and doing without health insurance, even on the occasion...
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...U.S. Health Insurance Analysis: The Uninsured Background For much of its history, America was essentially made up of an uninsured population. Many companies hesitated to provide insurance because of the uncertainty of controlling costs. The Blue Cross/Blue Shield program was the first to attempt to tackle this issue. However in 1941, fewer than 10 million Americans were covered and most remained uninsured, paying their health expenses out of pocket (Barr, 2011). As of July 2017 the uninsured rate went up to 11.7% from 10.9% in the fourth quarter of 2016 (Luhby, 2017) and even with the individual mandate, there are still 24 million uninsured Americans. In the 1960s the two major events that impacted health policy were 1) expanding health...
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...“We need to fight the plague of the uninsured the way we have fought other threats to our way of life and our basic values” (Herbert Kohl”. Herbert Kohl is a businessman, politician and former democratic senator of Wisconsin. In today’s world, being a minority, a woman and having a low-income is one of the worst nightmares for someone living in the America. Millions of working, uninsured Americans go to bed every night praying and worrying about what will happen if an illness or injury strikes. Nearly 15% of women population in Arizona is uninsured and unable to get basic health care. Planned Parenthood, a non-profit organization offers help to the low-income and underserved communities by providing affordable healthcare to young teens, women, and parents....
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...Impact of Uninsured Population Project, Part 3: Impact of Alaska Natives with Colon Cancer on Alaska Native Tribal Health Consortium T. Jayd HCS/531 February 21,2011 Joe Rudd Impact of Uninsured Population Project, Part 3: Impact of Alaska Natives with Colon Cancer on Alaska Native Tribal Health Consortium Colon cancer has been identified as one of the leading causes of death among the Alaska Natives. In response to this discovery and in an effort to improve the health of the Alaska Native population, the Alaska Native Tribal Health Consortium (ANTHC) has developed several health support services to increase awareness, provide preventative services, and offer a variety of treatment options. Because of the large percentage of uninsured and underinsured among this population, ANTHC faces the financial impacts that the decline of health in the Alaska Native people has on the organization. Frugal management of the allocated finds and resources will enable ANTHC to stimulate economically profitable areas of the organization and create internal supplementation to the financial concerns. Providing accessible preventative programs and health education in the remote villages throughout Alaska will enable ANTHC to more effectively observe the health trends and effectively manage and provide health care services for the Alaska Natives. Demographics and Needs of Alaska Natives with Colon Cancer The Alaska Native population is a largely uninsured and underinsured population, living...
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...The Affordable Care Act and Its Affect on North Carolina's Uninsured Population Wanda Mullins Walden University Nursing 6050, Section20: Policy and Advocacy for Improving Population Health April 5th, 2015 The Affordable Care Act and Its Affect on North Carolina's Uninsured Population The Affordable Care Act is an act that was created in 2010 by President Obama to ensure all Americans have health insurance coverage. This law became a federal mandate in 2014. This legislation has multiple goals: requires all United States citizens to have health insurance, insures all persons at the national poverty margin with Medicaid coverage, offers adequate health coverage to employees through the employer, and mandates private insurance companies reduce the amount of exclusions for pre-existing conditions to maintain federal compliance. Prior to the enactment of the ACA, there were approximately more than thirty million Americans without health insurance (Sparer, 2011). This legislation allows the federal government to have more control over private health insurance sectors and strives to ensure the health care of all Americans at the national level . The Impact of the Affordable Care Act on North Carolina’s Uninsured Population As of 2011, if you were a North Carolina resident, poor, homeless, unemployed and without child, you were eligible for Medicaid (Milestead, 2013 ). The ACA was implemented to help these citizens. As of June 2012, the Supreme Court ruled the...
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