1 / 9

The Uninsured

The Uninsured. What we know now…. After doing all of our practice calculating insurance costs, it is obvious that having health insurance saves a significant amount of money. What about the 18%?. Approximately 18% of Americans are without health insurance That is ONE in FIVE!!.

tracen
Télécharger la présentation

The Uninsured

An Image/Link below is provided (as is) to download presentation Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author. Content is provided to you AS IS for your information and personal use only. Download presentation by click this link. While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server. During download, if you can't get a presentation, the file might be deleted by the publisher.

E N D

Presentation Transcript

  1. The Uninsured

  2. What we know now….. • After doing all of our practice calculating insurance costs, it is obvious that having health insurance saves a significant amount of money

  3. What about the 18%? • Approximately 18% of Americans are without health insurance • That is ONE in FIVE!!

  4. Why are so many Americans uninsured? • Cost is the #1 barrier to purchasing coverage • Self-employed • Employer-sponsored healthcare is not offered • Can’t afford coverage even with employer contribution • Unemployed • COBRA: Consolidated Omnibus Budget Reconciliation Act • By law, if you lose your job, you can still elect to continue your health insurance from your work for a limited period of time (18 month) • 18 months are up and still unemployed? Lose coverage.

  5. Pre-existing conditions • Examples: Cancer, diabetes, high blood pressure, asthma • Some insurance companies may refuse to insure you • Remember, it is a business: if you already have an illness, they KNOW they will have to spend money on you! • Some insurance companies will agree to insure you, but your premiums may be extremely expensive or they may stipulate conditions of your coverage • Ie exclusion period, refusal to pay for things related to your preexisting conditions • This will be detailed in your plan • (This is illegal with the new legislation….we will talk about the details later)

  6. Who are the uninsured? • Highest risk = below the poverty line • Family of 4 making less than $23,050/year • Undocumented immigrants • 20% of the uninsured • Highest uninsured rates are in the West and South

  7. What are the implications of lack of insurance? • Health providers can choose not to provide care to the uninsured • Emergency rooms are required to screen and stabilize all individuals under federal law • Receive less preventative care and recommended screenings • Higher risk for preventable hospitalizations and missed diagnoses • More likely to postpone care or foregoing needed care

  8. Medical debts contribute to almost half of all bankruptcies in the United States

More Related