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Medically Uninsured

            
             Health Insurance first originated in the industrialized nations of Europe. It later appeared in the United States in the early 20th century and spread through employers who were trying to attract workers with this benefit. Health insurance was designed to protect workers from large cost of medical care and gave them a reason to pursue low-cost preventive services that would keep them healthy enough to be able to work. In 1965, the government introduced Medicare and Medicaid to extend coverage to the elderly and to some of the poor. However, the United States remains the only industrialized nation without universal health insurance coverage [1/816]. There are between 41 million [4/375] and 41.2 million [6/30] people in the United States with no medical insurance. According to Penn State health economist Pamela Farley Short, not all 41 to 41.2 million are chronologically uninsured. Middle-class Americans lose their health coverage in an economic downturn and get it back when the economy goes back up. She also states that 80 million Americans are uninsured over any given two-year period, but only 23.5 million are uninsured for the entire period [6/30].
             There are many assumptions of who the uninsured are. For example, many assume the uninsured are unemployed. In fact, about 85 percent of the uninsured come from working families [6/30]. Data from the census bureau shows that the likelihood of having medical insurance rose with income. Of the households with income of less than $25,000, 76.6 percent had health insurance. For those with income of $75,000 and more, 92.3 percent had health insurance [5/1].
             The group of uninsured people in America can be divided into subgroups by age, race, and sex. The largest age group of the uninsured was from 18 - 24 years, consisting of 55 percent of the total people uninsured under the age of 65. Moreover, 25 percent were from the age of 25 - 29 years.


Essays Related to Medically Uninsured

1. Effectiveness of the Affordable Care Act

... People will no longer be worried about not having enough money to be able to get treated and most important of all, less people will become uninsured. March 23, 2010 was considered a historical event; this was the day president Obama signed what is considered to be the very first United ... quot; According to a man by the name of Rosenbaum, the most important benefit of the Affordable Care Act is that less Americans will be uninsured. He compared this act to a watershed. He says that the act established the basic needs for the people and the legal protection that until ... birth through ...

  • Word Count: 3253
  • Approx Pages: 13
  • Has Bibliography
  • Grade Level: Undergraduate

2. Depression And Healthcare

... all persons is needed to minimize financial barriers and assure access to appropriate health care services"(Chapman 26). The number of doctors with specialized skills is rising; the number of uninsured or underinsured citizens is growing. There has been a movement to provide coverage for the 37 million Americans without any coverage, but the amount of underinsured citizens is quite high. ... status has deteriorated sufficiently to make them eligible for emergency treatments. In 1986, Anti-dumping laws were established to prevent hospitals from declining services to persons with life-th...

  • Word Count: 4134
  • Approx Pages: 17
  • Has Bibliography
  • Grade Level: Undergraduate

3. Medicaid Expansion - Ramifications for Missouri

... economic phenomenon of setting different prices for identical services based upon the payer " (University of Missouri, et al., 2012). In the healthcare sector, this occurs when providers render care to uninsured or underinsured individuals, thus seeing reduced overall revenues. Though provider reimbursement has been reduced under the ACA, by increasing the number of insured citizens providers are better compensated thus reducing ... claims. There will also be increased appeals on service denials (Dorn, et al., 2013). On the other hand, with expansion, the number of Medicaid members requir...

  • Word Count: 2266
  • Approx Pages: 9
  • Has Bibliography
  • Grade Level: Undergraduate

4. The Shortage of Doctors in Rural Areas

... placed upon them. These workloads are generally greater than those experienced by their urban counterparts. Those within the health care community also point to decreased opportunity for professional contacts in medically underserved areas as a reason for premature physician departures from rural areas. There are also economic concerns. The federal government has become the largest contributor to graduate medical education, ... care to rural communities. By opening free clinics, it would be a benefit to the schools and the communities. It would assist people who are unable to pay or are ...

  • Word Count: 3660
  • Approx Pages: 15
  • Has Bibliography
  • Grade Level: Undergraduate

5. Public Model of Canadian Health Care System

... while the remaining thirty percent is paid privately by the individual; either out-of-pocket or through employer insurance. The publicly funded portion includes all primary health issues related to medically necessary procedures taken within hospitals, while the private portion includes treatments deemed auxiliary and often performed outside the hospital setting.iii In fact, Canada's "socialistic" health care ... health care, rather than their country's chosen system, more Americans (51.3%) responded positively than Canadians (41.5%).xi This phenomena, along with the fact that 16.5% of ...

  • Word Count: 2336
  • Approx Pages: 9
  • Grade Level: Undergraduate

6. Drug Testing Pros And Cons

... Americans, and are more likely to be covered via Medicaid or other publicly funded insurance. In addition, African Americans are almost twice as likely as non-Hispanic whites to be uninsured. High rates of uninsurance among this population occur despite the fact that over 8 in 10 African Americans are in working families, as a disproportionate percentage of African Americans work in ... for African Americans is 22.8 percent, compared with 17.5 percent in the general population. Insurance coverage is necessary but not sufficient that health access to care. Among both insured and uninsured...

  • Word Count: 1725
  • Approx Pages: 7
  • Has Bibliography
  • Grade Level: Undergraduate

7. Understanding the U.S. Healthcare System

... decisions made by Medicare about whether something is covered and local coverage decisions made by companies in each state that process claims (CMS, 2015, p.1-2). These companies decide whether something is medically necessary and should be covered in their area (CMS, 2015, p.2). The first thing that my grandmother should realize is that the initial enrollment period begins three months before her 65th ... certain circumstances. Here is where it starts to get a little confusing. The Part B of Medicare is optional. It is described as medical insurance that will help cover the costs of medi...

  • Word Count: 2609
  • Approx Pages: 10
  • Has Bibliography
  • Grade Level: High School

8. Overview of State Abortion Laws

... proposals that have been presented. States now have the decision to decide if they want to fund abortion in certain cases. Some states use their own funds to pay for medically necessary abortions for poor women who are enrolled in Medicaid; however, most follow the restrictive standard set by the federal government. States that fund all or most ... medically necessary abortions include: Alaska, Arizona, California, Connecticut, Hawaii, Illinois, Maryland, Massachusetts, Minnesota, Montana, New Jersey, New Mexico, New York, Oregon, Vermont, Washington and West Virginia. States that fund ...

  • Word Count: 2668
  • Approx Pages: 11
  • Has Bibliography
  • Grade Level: Undergraduate

9. HMO's

... a sore throat. This is a typical nonspecific symptom, so naturally some tests are done. Blood is drawn, a culture taken, and an electrocardiogram performed. An EKG in this case is not medically necessary, but many physicians still do not hesitate to order one. By eliminating useless procedures, lower cost can be maintained. To determine which procedures are useless, scientists would need to ... is tracking the patients on a systematic basis to find out (Marmor). Eliminating waste from the health care system is imperative. However it is not good to make "expensive" synonymous with "medica...

  • Word Count: 2987
  • Approx Pages: 12
  • Has Bibliography

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