Uninsured HAS 4320

The quiz

The Problem 42.6 million uninsured Health premiums continue to rise Job loss Inadequate Medicaid

Demographics Full-time workers Poor or low income More minorities Charts…

Utah’s Uninsured 270,000 (non-elderly) 14.4%

Causes and Consequences Small employers Premiums American beliefs Reduced access Life style Anxiety

Financial Consequences Medical bills More needs Debt Collections Courts Bankruptcy Uninsured are overcharged

Day-to-day Struggles Cost-benefit analysis Home remedies What would you give up?

Expectations and beliefs Learned hopelessness Stigma Contradictions

Children without Insurance 1/3 Most breadwinners employed Medicaid issues Receive less care

Social Policy Targeted services Employer-sponsored insurance Public programs Universal Coverage

National Health Insurance Production efficiency Consumption efficiency Equity

Proposals Single-payor Employer-mandated Refundable tax credits Medical savings accounts (MSA) Healthcare Act of 2003 The Health Coverage, Affordability, Responsibility and Equity Act of 2003

CHIP (Utah) Children’s Health Insurance Program Who is eligible 2003 Income guidelines When/How do I apply? How is CHIP paid for? What services?

Medicaid Introduction Who is covered?  Children  Adults  Elderly  Disabled

What services are covered? Inpatient and outpatient hospital Physician, midwife, certified NP Lab and X-ray Nursing home and home health Screening, diagnosis and treatment for children Family planning Rural health clinics

How is it spent 50% + on acute care services 35% on long-term care

How is it delivered? Managed care…