Friday, November 20, 2009  
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Health Insurance for Individuals

Archive for the ‘Uninsured in America’ Category

U.S. Health Care System Fails to Support Immigrants

Friday, August 21st, 2009
poster on a columbia jschool prof's door

The language barrier for recent immigrants to the United States is taking a toll on how they receive access to and understand their health care options, according to a recent report by Kaiser. This further exemplifies the holes in the United States’ health care system, and raises huge concerns over those who are eligible and paying for health care yet are not receiving what they deserve. What is happening here and how can it be fixed?

Health care and immigration

I can only imagine how frustrating it is to be a newcomer to this country and want to get health care coverage, but not be able to find a single person to help you understand your options. For many who call the help lines for a plan like Medicaid, you may find that you can get instructions in Spanish, but what about the other hundreds of languages that immigrants speak? And what about other options for helping recent immigrants understand their health care options?

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Need for Health Policy Reform Shows in Numbers of the Uninsured

Wednesday, February 25th, 2009

Although the new administration seems to have gotten the ball rolling as far as changes to policies go, the future is still looking pretty bleak according to many analysts. The number of uninsured Americans right now stands at 45 million people in 2009. If there aren’t significant changes made in health insurance policies, that number will skyrocket to 54 million uninsured people by the year 2019. That would mean that over 17% of our entire population would be without health insurance. In this post, we’ll look at what people are calling for in terms of change, and what members of our government have to say to the President.

What Are the Problems with Current Health Policies?

The increase in the numbers of uninsured would be driven by the costly insurance premiums whose prices rise faster than incomes can keep up with them. If people simply can’t afford to keep paying health insurance premiums, they’re going to let them go and join the ranks of the uninsured. Many health treatments are deemed wasteful and unnecessary, and people pay well over what they should for these services.

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User’s Guide to Urgent Care Clinics

Thursday, February 12th, 2009
Urgent Care can often be cheaper than going to the ER.

Sometimes you just need to get seen by a doctor, stat. Maybe you aren’t having an emergency like having a baby or cradling your severed limb in your hands, but things like a sprained ankle or a rapidly rising temperature require some fairly prompt attention. According to Health Net’s website, urgent care services are “medically necessary services which are required for an illness or injury that would not result in further disability or death if not treated immediately, but require professional attention and have the potential to develop such a threat if treatment is delayed longer than 24 hours.” What is the difference between emergency and urgent care? How can you get seen quickly without spending a ton of your hard earned dollars? How can you make sure that your urgent care visit will be covered by your health insurance? Read on to learn the best way to approach urgent care.

Assess Your Symptoms

If you are feeling like you are having a heart attack, get thee to an emergency room, stat. Urgent care centers are not for people who feel like their lives are in danger. But, if you’re uncomfortable from a minor sports injury or your flu feels like it’s just getting worse, an urgent center will be the way to go. Before you hop into a car to head for the emergency room or an urgent care center, ask yourself the following questions: Could I tolerate the way I’m feeling for another 48 hours? Do I want to spend less than $600 on a visit? Do I have the time to wait to be seen? If you answered “yes” to all of these questions, point your car in the direction of the nearest urgent care center.

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The Art of Chinese Public Health Posters

Wednesday, February 11th, 2009

Maoist China during the period between 1958 and 1976 was one of the world’s widest users of public health posters and announcements. It was almost impossible to go anywhere in the country without seeing some form of health poster telling citizens to do a certain thing or not do a certain thing in the interest of public health. Then, unlike now, China had a nationalized health care system. Today, China relies on a variety of health care options, including employer provided coverage (known in China as laobao yiliao) and individual health insurance policies.

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Recession Should Take Blame for Reduced Health Care

Monday, January 26th, 2009
How the current economic recession is affecting America's health.

Health care providers have to have seen this coming. It’s not like we woke up one morning and saw “Hey, the country’s in a recession.” The economic downturn was gradual and glaringly obvious, and people and organizations everywhere did their best to make preparations. However, many states throughout the United States are preparing to make drastic and unprecedented cuts in health care funds, and this couldn’t be coming at a worse time for consumers. The unemployment rate in December was 7.2%, which was up from November’s 6.8%. There doesn’t seem to be a light at the end of the tunnel any time soon (you can’t help but feel bad for the complete mess that Barack Obama is inheriting) and it is important to know how these health care cuts might affect you and your family.

Health Services for Poor First to Go

Obama has been promising since the inception of his campaign that he wanted to extend health care coverage to include more affordable and widely available health insurance to those in lower income brackets. Now, before he has even been sworn in as the next President of the United States, states are already tossing programs like these out the window. Many states have been gung-ho in the fight to expand their coverage for the working poor, but with the state of the economy the way it is, these once hopeful programs are getting the boot. And the working poor are now becoming more steadily just the “poor,” as jobs continued to get slashed across industries.

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Health Net Insurance Spends Nearly $700k on Lobbying

Thursday, January 22nd, 2009
Health care providers lobbying for better care for it's customers.

There are some health insurance companies where you feel like you are being taken advantage of at every single turn. Hidden charges show up on bills, you don’t have an easy time getting in to see your doctor, and you may spend upward of an hour trying to get the right person on the phone for customer service. This is not to say that health insurance companies exist simply to frustrate you: quite the opposite. Sometimes they just do not seem like they are doing all they can to best serve your interests as a consumer or customer. Health Net, one of America’s biggest health insurance companies serving over 6.7 million people across the country, has recently stepped up to the plate big time in the game of keeping people’s best interests (and health) at heart. In the third quarter of 2008, the insurer spent $670K lobbying with the federal government for a variety of different groups and lifting coverage restrictions.

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