THE ACCESS PROJECT It's Everyone's Loss: The Ripple Effect of the Uninsured Thursday January 26, 2006 Mark Rukavina, Director The Access Project 30 Winter.

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Presentation transcript:

THE ACCESS PROJECT It's Everyone's Loss: The Ripple Effect of the Uninsured Thursday January 26, 2006 Mark Rukavina, Director The Access Project 30 Winter Street, Suite 930 Boston, MA Phone: (617) Fax: (617) Web-site:

What Do We Know About Medical Debt? Medical Debt is a problem for the uninsured and those with health insurance Medical Debt influences peoples healthcare access Medical Debt influences peoples lives in other ways Medical Debt broadens the base for health reform

How widespread is the problem of medical debt?

Commonwealth Fund Biennial Health Insurance Survey Six out of ten adults under the age of 65 who were uninsured any time during previous year had problems related to medical bills or accrued medical debt Four out of ten adults under the age of 65 had problems related to medical bills or accrued medical debt Health Insurance Survey 2003 The Commonwealth Fund

Sicker and Poorer Adults Harder Hit by Medical Bill Problems & Debt percentage of adults ages Health Insurance Survey 2003 The Commonwealth Fund

Kaiser Commission on Medicaid and Uninsured 2003 Health Insurance Survey Estimates 58 million adults are at risk of incurring medical bills they may not be able to afford – includes those uninsured for all or part of previous year, as well as those underinsured. One in six adults with private insurance million adults – report having substantial problems paying their medical bills Among privately insured, those with medical debt more than twice as likely to report poor or only fair health status.

Does medical debt influence peoples healthcare access?

Access Project Community Research Getting Care But Paying the Price: How Medical Debt Leaves Many in Massachusetts Facing Tough Choices Nearly 60% said medical debt caused them to delay getting needed health care 73% delayed care because uncomfortable about the bills 30% said they were asked to pay cash upfront 14% said denied care altogether Pryor & Gurewich, The Access Project February 2004 funded thru Blue Cross Blue Shield of Massachusetts Foundation

Access Project Community Research Playing By The Rules But Losing: How medical debt threatens Kansans healthcare access and financial security OF RESPONDENTS WITH MEDICAL DEBT Nearly half (48%) delayed a doctors visit because of the debt 39% delayed a dental visit 29% delayed filling a prescription 25% changed primary care doctors because of money they owed for care 13% refused an appointment because of debt Pryor & Prottas, The Access Project January funded thru W. K. Kellogg Foundation and United Methodist Health Ministry Fund

Commonwealth Fund Biennial Health Insurance Survey Health Insurance Survey 2003 The Commonwealth Fund

Kaiser Commission on Medicaid and Uninsured 2003 Health Insurance Survey Privately insured with medical debt have care-seeking behavior similar to uninsured

Kaiser Commission on Medicaid and Uninsured 2003 Health Insurance Survey 2003 Health Insurance Survey Kaiser Family Foundation

Kaiser Commission on Medicaid and Uninsured 2003 Health Insurance Survey 2003 Health Insurance Survey Kaiser Family Foundation

Does medical debt influence peoples lives in other ways?

Problems Resulting from Medical Bills Adults ages with medical bill problems or accrued medical debt Health Insurance Survey 2003 The Commonwealth Fund

Medical Debtors Struggle to Pay Bills Health Insurance Survey 2003 The Commonwealth Fund

Access Project Community Research New Report, Home Sick, uncovers link between medical debt and housing problems

Access Project Community Research Home Sick: How Medical Debt Undermines Housing Security Nearly half (46%) reported having medical debt. More than one-quarter (27%) of respondents with debt said housing problems resulted from the medical debt Relatively small debts had far-reaching effects One out of six respondents (16%) with medical debts less than $500 said that the debt had harmed their credit. Twelve percent (12%) of respondents with this level of debt reported having housing problems. Health insurance did not provide thorough protection One out of five respondents who had health insurance said their medical debt had led to housing problems. Seifert, The Access Project November 2005 Funded by the W.K. Kellogg Foundation, the Annie E. Casey Foundation, the Quantum Foundation and the Missouri Foundation for Health

Access Project Community Research Home Sick: How Medical Debt Undermines Housing Security Bad credit was a frequent result of medical debt Most people did not know whether their medical debt was on their credit reports, Of of those who did know, three in five (39%) said it had damaged their credit. Seifert, The Access Project November 2005 Funded by the W.K. Kellogg Foundation, the Annie E. Casey Foundation, the Quantum Foundation and the Missouri Foundation for Health

What Do We Learn From the Medical Debt Issue? Medical debt is a widespread problem and has the potential to bring new allies into health reform discussion Focusing on the number of uninsured, while important, isnt enough! Medical Debt is a good handle for organizing and connecting low and middle income – Missouri Story