Health insurance coverage

Is double health insurance coverage better?

Is double health insurance coverage better? You have just gotten a job offer that includes health insurance. You’re lucky enough that your spouse has great family insurance already, but hey that health insurance is going to cover the cracks in the deductible and co-insurance, so you feel great about that double coverage as you sign your contract. Well, you just got scammed. That is, double coverage is a scam, and you would have been far better off negotiating a higher salary in return for not getting insurance. Let’s say policy A has a deductible of $1,000 and 75% coinsurance up to an out of pocket max of $3,000. Policy B is identical, with a deductible of $1,000 and 75% coinsurance up to...

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Affordable Care Act, Health Insurance Coverage, and Cancer Outcomes, Journal of Clinical Oncology

The Patient Protection and Affordable Care Act, hereafter referred to as the Affordable Care Act (ACA), was signed into law on March 23, 2010. The ACA and its provisions have been a topic of considerable discussion in the recent past. In the article that accompanies this editorial, Jemal et al address a timely question: What impact does Medicaid expansion and the resulting increase in health insurance coverage have on patients with newly diagnosed cancer? To place this analysis in context, I will briefly review the history of ACA, the impact of ACA on providing health insurance to low- and middle-income individuals, and previous research on the potential benefits of expanded insurance...

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Health Insurance Coverage for Chronic Conditions

Wondering how health reform affects what's covered and what you'll pay? Here are some answers. Will my health insurance help pay for managing a chronic condition? Most likely. All plans sold in the Marketplace, on the individual market, or through small employers must cover a list of essential health benefits, a rule that's part of the Affordable Care Act. The exception is grandfathered plans and short-term health plans. Grandfathered plans are health plans that existed before the Affordable Care Act was signed on March 23, 2010, that have not substantially changed. Short-term health plans are those that provide coverage for less than 12 months. Large employer health plans are not required...

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All you need to know about Dubai health insurance

Image Credit: Zarina Fernandes/Gulf News archives Dubai: By end of June, almost 95 per cent of residents with Dubai visas will have to come under the mandatory health insurance cover as per the Dubai Health Insurance law, a top official said on Monday. Approximately 3.8 million people are on Dubai residence visas. Residents and employers who fail to comply will face fines. In an interview with Gulf News, Dr Haidar Al Yousuf, director of Health Funding at Dubai Health Authority, answered questions on the the law which went through a three-year phased implementation. What is the mandatory health insurance law? The Dubai Health Insurance LawNo 11 of 2013 that came into effect in January 2014...

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Health Insurance Coverage Improves Child Well-Being - Child Trends

Introduction One remarkable social achievement in recent decades has been the expansion of health insurance coverage for U.S. children. The coverage rate for this group was 95 percent in 2015,[1] an all-time high. Coverage for Latino children (whose rates have historically lagged behind those of white or black children) reached a record high as well—93 percent in 2015.[2] While the majority of U.S. children (52 percent, as of 2015) are covered by private insurance plans, 43 percent—primarily those in low-income families—are covered by government-sponsored programs, the largest of which are Medicaid and the Children’s Health Insurance Program (CHIP).[3] (For state-level breakdowns, see the...

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Health insurance plans may be fueling opioid epidemic: Study of coverage policies highlights inadequate effort to reduce opioid overuse -- ScienceDaily

Health insurance plans may be fueling opioid epidemic Study of coverage policies highlights inadequate effort to reduce opioid overuse Johns Hopkins University Bloomberg School of Public Health Health care insurers including Medicare, Medicaid and major private insurers have not done enough to combat the opioid epidemic, suggests a new study. Health care insurers including Medicare, Medicaid and major private insurers have not done enough to combat the opioid epidemic, suggests a study led by researchers at Johns Hopkins Bloomberg School of Public Health. The Bloomberg School researchers examined major insurers' 2017 coverage policies for drugs to treat chronic lower-back pain, and...

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Examining equity in health insurance coverage: an analysis of Ghana’s National Health Insurance Scheme, International Journal for Equity in Health, Full Text

Achieving universal health coverage (UHC) is central to the next era of development frameworks including the Sustainable Development Goals (SDGs). SDG goal three (SDG 3) seeks to ensure healthy lives and promote well-being for all at all ages. A pivotal target of SDG 3 is to achieve UHC, including; financial risk protection, access to quality essential healthcare services and access to safe, effective, quality and affordable essential medicines and vaccines for all [ 1 ]. The World Health Organization defines UHC as “ensuring that all people have access to [promotive, preventive, curative, rehabilitative and palliative health services they need], of sufficient quality to be effective, while...

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Health Insurance Coverage and Health — What the Recent Evidence Tells Us NEJM

Introduction Financial Protection and the Role of Insurance Access to Care and Utilization Chronic Disease Care and Outcomes The effects of coverage are particularly important for people with chronic conditions, a vulnerable high-cost population. Here, the Oregon experiment found nuanced effects. After 2 years of coverage, there were no statistically significant changes in glycated hemoglobin, blood pressure, or cholesterol levels. On the basis of these results, some observers have argued that expanding Medicaid does not improve health and is thus inadvisable. However, the study revealed significant increases in the rate of diagnosis of diabetes that were consistent with findings in two...

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