Uninsured and Underinsured in America

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Uninsured and Underinsured in America By Audra Wellington PBHE 502 Abstract In America, we not only have the problem of the non-insured but the under insured which causes just about as much problem as the underinsured. Each group has contributed to the vast growing cost of healthcare. Over the last decade or two, the amount of uninsured has risen due to the job market in the economy and the fact that most insurances are tied to employment, which is also a problem as the unemployment rate rises. The purpose of this paper is to explore this issue. Under insured people can be defined as “people who are insured all year but have…show more content…
Many of the uninsured or underinsured are low-income or working families. According to the Kaiser foundation, “…adults are more likely to be uninsured than children. People of color are at higher risk of being uninsured than non-Hispanic Whites” See Appendix 1 (Kaiser Foundation, n.d.). Many Americans therefore go without needed health care each year due to the cost alone. These are the people with chronic diseases that need preventative services that may prove to reduce cost in the long run. With the economy failing the added depression and stress helps to hinder good health. At the current moment, doctors’ offices can refuse care to any uninsured person, whereas an emergency room cannot. The hospital is required by federal law to adequately screen and stabilize a patient. This is where the uninsured tend to show up for care where they tend to seek emergency care for urgent medical conditions that might not have been there due to lack of insurance. This would include the screening tests such as a colonoscopy or a mammogram for preventative care. This can delay the diagnosis of a serious complication that might have easily been taken care of through preventative services. The uninsured and underinsured are generally not as healthy as the insured counterparts. There is also lack of follow up care and medication to make sure the disease is under control. This group of
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