国际学生的医疗保险识字和医疗避开:一个案例研究
Echu Liu1, Samantha A Arledge1, Miao Cai2
1Department of Health Management and Policy, Saint Louis University, Saint Louis, MO, United States.
International journal of public health
|October 23, 2023
概括
国际学生经常在医疗保险知识方面扎,缺乏基本术语和财务责任的理解. 大学应该提供更多的支持,以改善他们对美国医疗保健系统的导航.
科学领域:
- 医疗保健服务研究 医疗服务研究
- 国际教育教育国际教育
- 卫生识字研究 卫生识字研究
背景情况:
- 国际学生在美国医疗保健系统中面临着独特的挑战.
- 了解医疗保险对于有效获得和利用医疗保健服务至关重要.
- 医疗保险知识有限可能会导致经济负担和延迟护理.
研究的目的:
- 评估美国中西部大学的国际学生的医疗保险素养和医疗保健利用情况.
- 确定影响国际学生对医疗保险理解的因素.
- 探索医疗保险素养对寻求医疗保健行为的影响.
主要方法:
- 在2022年初对143名本科生和研究生国际学生进行了在线调查.
- 该调查评估了对医疗保险条款和财务责任的了解.
- 用回归分析来确定医疗保险理解的预测因素.
主要成果:
- 很大一部分学生无法定义基本的医疗保险术语 (例如,共同支付).
- 大约80%的学生无法确定他们在医疗环境中的财务义务.
- 原产地大陆和在美国停留的时间是保险术语理解的重要预测因素.
- 超过57%的学生报告说,他们经常对自己的健康保险计划感到困惑.
- 只有20%的人报告说,由于不熟悉保险系统,他们推迟或跳过了护理.
结论:
- 接受调查的美国中西部大学的国际学生的医疗保险素养不足.
- 大学应该主动实施举措,以提高国际学生对医疗保险的理解.
- 提高医疗保险知识对于确保国际学生及时和适当地使用医疗保健至关重要.
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