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Author: James R. Baumgardner
Publisher:
ISBN:
Category : Health insurance
Languages : en
Pages : 36
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Book Description
Author: James R. Baumgardner
Publisher:
ISBN:
Category : Health insurance
Languages : en
Pages : 36
Get Book Here
Book Description
Author:
Publisher:
ISBN:
Category :
Languages : en
Pages : 0
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Book Description
Because private health insurance is generally obtained through employment, workers who lose their jobs face a significant risk of becoming uninsured. The Congress, in the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), addressed that issue by requiring firms with 20 or more employees to continue offering health coverage to workers who separate from the firm. However, firms may charge former employees slightly more than the full group premium for that continued coverage. Given that employers typically contribute most of the premium for active workers as part of employee compensation, former employees may face a large increase in their out-of-pocket premiums if they lose their jobs. Some firms continue to pay their customary share of the health insurance premiums for workers for a short period of time after a layoff, but those employer-subsidized benefits last only for a limited time. Other firms do not provide such extensions. Sooner or later, accepting coverage under the COBRA provisions generally means a manyfold increase in the explicit premium faced by the worker. The Congressional Budget Office (CBO) estimates that about 19 million workers will be unemployed for at least some time during fiscal year 1998. About 7.5 million of those workers will go at least a month without health insurance during a spell of unemployment. Of those 7.5 million workers, almost 2.5 million will have had insurance in their most recent month of work; the other 5 million will not have been insured even when they were working. Although many unemployed people will go through some period without insurance, an even larger proportion of them--about 11.5 million unemployed workers--will have health coverage throughout their spell of unemployment. To target initiatives toward particular groups who may be prone to not having insurance, some policymakers have proposed that the federal government provide health insurance subsidies for the unemployed.
Author: James R. Baumgardner
Publisher:
ISBN:
Category : Health insurance
Languages : en
Pages : 46
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Book Description
Because private health insurance is generally obtained through employment, workers who lose their jobs face a significant risk of becoming uninsured. The Congress, in the Consolidated Omnibus Budget Reconciliation Act of 1985 (COBRA), addressed that issue by requiring firms with 20 or more employees to continue offering health coverage to workers who separate from the firm. However, firms may charge former employees slightly more than the full group premium for that continued coverage. Given that employers typically contribute most of the premium for active workers as part of employee compensation, former employees may face a large increase in their out-of-pocket premiums if they lose their jobs. Some firms continue to pay their customary share of the health insurance premiums for workers for a short period of time after a layoff, but those employer-subsidized benefits last only for a limited time. Other firms do not provide such extensions. Sooner or later, accepting coverage under the COBRA provisions generally means a manyfold increase in the explicit premium faced by the worker. The Congressional Budget Office (CBO) estimates that about 19 million workers will be unemployed for at least some time during fiscal year 1998. About 7.5 million of those workers will go at least a month without health insurance during a spell of unemployment. Of those 7.5 million workers, almost 2.5 million will have had insurance in their most recent month of work; the other 5 million will not have been insured even when they were working. Although many unemployed people will go through some period without insurance, an even larger proportion of them--about 11.5 million unemployed workers--will have health coverage throughout their spell of unemployment. To target initiatives toward particular groups who may be prone to not having insurance, some policymakers have proposed that the federal government provide health insurance subsidies for the unemployed.
Author: Institute of Medicine
Publisher: National Academies Press
ISBN: 0309076099
Category : Medical
Languages : en
Pages : 204
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Book Description
Roughly 40 million Americans have no health insurance, private or public, and the number has grown steadily over the past 25 years. Who are these children, women, and men, and why do they lack coverage for essential health care services? How does the system of insurance coverage in the U.S. operate, and where does it fail? The first of six Institute of Medicine reports that will examine in detail the consequences of having a large uninsured population, Coverage Matters: Insurance and Health Care, explores the myths and realities of who is uninsured, identifies social, economic, and policy factors that contribute to the situation, and describes the likelihood faced by members of various population groups of being uninsured. It serves as a guide to a broad range of issues related to the lack of insurance coverage in America and provides background data of use to policy makers and health services researchers.
Author: National Academies of Sciences, Engineering, and Medicine
Publisher: National Academies Press
ISBN: 030946921X
Category : Medical
Languages : en
Pages : 161
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Book Description
The Social Security Administration (SSA) administers two programs that provide benefits based on disability: the Social Security Disability Insurance (SSDI) program and the Supplemental Security Income (SSI) program. This report analyzes health care utilizations as they relate to impairment severity and SSA's definition of disability. Health Care Utilization as a Proxy in Disability Determination identifies types of utilizations that might be good proxies for "listing-level" severity; that is, what represents an impairment, or combination of impairments, that are severe enough to prevent a person from doing any gainful activity, regardless of age, education, or work experience.
Author: United States. Department of the Treasury
Publisher:
ISBN:
Category : Revenue
Languages : en
Pages : 12
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Book Description
Author: Institute of Medicine
Publisher: National Academies Press
ISBN: 0309083435
Category : Medical
Languages : en
Pages : 213
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Book Description
Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.
Author: Institute of Medicine
Publisher: National Academies Press
ISBN: 0309048273
Category : Medical
Languages : en
Pages : 381
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Book Description
The United States is unique among economically advanced nations in its reliance on employers to provide health benefits voluntarily for workers and their families. Although it is well known that this system fails to reach millions of these individuals as well as others who have no connection to the work place, the system has other weaknesses. It also has many advantages. Because most proposals for health care reform assume some continued role for employers, this book makes an important contribution by describing the strength and limitations of the current system of employment-based health benefits. It provides the data and analysis needed to understand the historical, social, and economic dynamics that have shaped present-day arrangements and outlines what might be done to overcome some of the access, value, and equity problems associated with current employer, insurer, and government policies and practices. Health insurance terminology is often perplexing, and this volume defines essential concepts clearly and carefully. Using an array of primary sources, it provides a store of information on who is covered for what services at what costs, on how programs vary by employer size and industry, and on what governments doâ€"and do not doâ€"to oversee employment-based health programs. A case study adapted from real organizations' experiences illustrates some of the practical challenges in designing, managing, and revising benefit programs. The sometimes unintended and unwanted consequences of employer practices for workers and health care providers are explored. Understanding the concepts of risk, biased risk selection, and risk segmentation is fundamental to sound health care reform. This volume thoroughly examines these key concepts and how they complicate efforts to achieve efficiency and equity in health coverage and health care. With health care reform at the forefront of public attention, this volume will be important to policymakers and regulators, employee benefit managers and other executives, trade associations, and decisionmakers in the health insurance industry, as well as analysts, researchers, and students of health policy.
Author: United States. Congress. House. Committee on Ways and Means. Subcommittee on Health
Publisher:
ISBN:
Category : Economic assistance, Domestic
Languages : en
Pages : 152
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Book Description
Author: United States. Congress. House. Committee on Ways and Means. Subcommittee on Health
Publisher:
ISBN:
Category : Health insurance
Languages : en
Pages : 406
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Book Description
