The Uninsured and Under-Insured Population

Abstract

Due to the lack of insurance in United States, the public is not receiving the quality health care. The costs of healthcare services are rising day by day and most of the individuals do not have enough income to get health care benefits. This population is divided into two categories uninsured and underinsured. This paper aims to discuss the consequences of uninsured and underinsured population. It has highlighted the role of researchers, federal and private sectors in implementing the strategies to assist the uninsured and underinsured population.

Executive Summary

The life without the insurance of health is a major problem of the people living in the United States. This population is categorized as uninsured and underinsured. They are not getting the adequate healthcare service. The uninsured are not likely to get the desired care, and they receive, it comes to them very late. Thus, serious consequences such as worse quality of life and elevated rate of mortality occur frequently. Moreover, the underinsured and uninsured do not receive the appropriate preventive care they are in need. Other than the individuals the uninsured influence the communities enormously where they exist. The uninsured persons are seldom able to submit expenses for the received medical services. Most of the uninsured and underinsured receive the primary treatment at emergency units; thus they increase the burden on local health care systems and affect the finances and capacity of emergency rooms. The taxes are also increased due to frequent use of emergency rooms. There are many people who obtain the health care utility, but it is not in the manner of effective outlay. The policy makers have developed certain evidence based strategies with the aid of federal and private sectors. These plans are implemented to get better out come in the provision of insurance in order to fulfill the needs of uninsured and underinsured individuals.

The Uninsured and Under-Insured Populationi

The Uninsured and Under-Insured Population1

Introduction1

History1

Medicaid System3

Underinsured in United States4

High Health Services Costs6

Impact on Emergency Rooms7

Impression on Physician Services7

Projected Plans and Principal Assumptions8

Eligibility Criteria for Children8

Parents of Medicaid Eligible Children8

Support for Personnel between Jobs9

Specifications Required Facilitating the Development of Public and Private Financed Health Coverage9

Sponsoring the Federal Finances9

Improved Partnership of Federal-State10

Recommendation10

The Uninsured and Under-Insured Population

Introduction

The absence of or less insurance availability not only affects the person but also the community in which he lives. The absence of adequate health insurance restricts the individual to access the care that may lead to the ultimate consequences, particularly to geriatrics and children. In comparison of insured people, the uninsured and underinsured have poor quality life and high risks of death. The government allied with certain private organizations is working to generate the best plan to supply the health care facility to these groups of people.

History

During the presidential elections in 1992, the coverage of health care came into focus for all Americans. Clinton proposed his own plan for the coverage of health care by a slogan “Cut costs and cover everybody” since various people and group of people started setting ...