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Related Experiment Videos

Health insurance for the "uninsurable".

L H Schneck1

  • 1MGMA Communications Department, 104 Inverness Terrace East, Englewood, CO 80112-5306, USA. lhs@mgma.com

Medical Group Management Journal
|May 11, 2001
PubMed
Summary

State-sponsored health insurance offers vital coverage for individuals deemed "uninsurable" by private companies. These programs provide essential financial protection and access to care for those with serious health conditions.

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Area of Science:

  • Health Policy
  • Public Health
  • Health Insurance

Background:

  • Commercial health insurance often denies coverage to individuals with pre-existing conditions.
  • A significant population faces financial hardship due to lack of affordable health insurance.
  • Specific chronic and recurrent health conditions pose challenges for obtaining private insurance.

Purpose of the Study:

  • To highlight the role of state-sponsored health insurance plans.
  • To inform about coverage options for the "uninsurable" population.
  • To underscore the importance of these plans for patient well-being and financial solvency.

Main Methods:

  • Analysis of state-sponsored health insurance programs.
  • Identification of qualifying health conditions and demographic reach.
  • Examination of the impact on patient access to care and financial stability.

Main Results:

  • Twenty-eight states offer specialized health insurance plans.
  • These plans cover individuals with conditions such as cancer, AIDS, multiple sclerosis, and disabilities.
  • Benefits are provided at reasonable premiums, offering a critical safety net.

Conclusions:

  • State-sponsored insurance acts as a crucial financial lifeline for vulnerable populations.
  • Healthcare providers can significantly impact patient outcomes by informing them of these options.
  • Increased patient awareness of these programs can improve health access and financial security.

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