coverage is confidence
Download
Skip this Video
Download Presentation
“Coverage is Confidence”

Loading in 2 Seconds...

play fullscreen
1 / 14

“Coverage is Confidence” - PowerPoint PPT Presentation


  • 73 Views
  • Uploaded on

“Coverage is Confidence”. The Uninsured Envision Health Insurance For Hawai\'i. Heather Young Leslie Ph.D. Carol Murry Ph.D. William D. Wood Ph.D. Hawai’i Coverage For All Project Presentation 05/2003 Sponsor: US DHHS, HRSA State Planning Grant

loader
I am the owner, or an agent authorized to act on behalf of the owner, of the copyrighted work described.
capcha
Download Presentation

PowerPoint Slideshow about ' “Coverage is Confidence”' - kaseem-salas


An Image/Link below is provided (as is) to download presentation

Download Policy: Content on the Website is provided to you AS IS for your information and personal use and may not be sold / licensed / shared on other websites without getting consent from its author.While downloading, if for some reason you are not able to download a presentation, the publisher may have deleted the file from their server.


- - - - - - - - - - - - - - - - - - - - - - - - - - E N D - - - - - - - - - - - - - - - - - - - - - - - - - -
Presentation Transcript
coverage is confidence
“Coverage is Confidence”
  • The Uninsured
  • Envision Health Insurance For Hawai\'i
  • Heather Young Leslie Ph.D.
  • Carol Murry Ph.D.
  • William D. Wood Ph.D.
  • Hawai’i Coverage For All Project Presentation 05/2003
  • Sponsor: US DHHS, HRSA State Planning Grant
  • Contractor: Hawai’i State Dept. of Health.
  • Contract No: P09 0A 00046-01
  • Subcontractor:: Research Corporation, University of Hawai’i (RCUH), Social Sciences Research Institute (SSRI).
  • Subcontract No: RCUH Program No 659075

* Hawai\'i Coverage for All Project * DHHS / HRSA State Planning Grant * RCUH Prog. # 659075 *

envisioning health coverage based on

Envisioning Health CoverageBased On:

  Interviewees’ self-identified health coverage needs and perceptions.

Interviewees talk story about the health care system in Hawai’i.

* Hawai\'i Coverage for All Project * DHHS / HRSA State Planning Grant * RCUH Prog. # 659075 *

research questions
Research Questions:
  • What does having health coverage mean for you?
  • Should health coverage be for everyone?
  • What problems have you had with health coverage?
  • What suggestions can you make about improving health coverage access in the state of Hawai’i?
  • What would your dream coverage be?

* Hawai\'i Coverage for All Project * DHHS / HRSA State Planning Grant * RCUH Prog. # 659075 *

health coverage ideals
Health Coverage Ideals
  •  Affordable
  • Accessible
  • Equitable
  • Flexible
  • Understandable
  • Uninterrupted
  • Worthwhile

* Hawai\'i Coverage for All Project * DHHS / HRSA State Planning Grant * RCUH Prog. # 659075 *

affordability is a key issue
Affordability is a Key Issue
  • Descriptions of affordability ranged widely.
  • What is interesting is that in most cases, the specific premium hypothesized echoed other basic utility bills, such as telephone, electricity, cable, car insurance, storage locker, even a gym membership.
  • Making it affordable:
  • Premiums geared to income & family size
  • Medical debt amnesty and/or debt restructuring assistance

* Hawai\'i Coverage for All Project * DHHS / HRSA State Planning Grant * RCUH Prog. # 659075 *

accessibility
Accessibility
  • Issues:
  • Alienating bureaucracy (forms, rules & workers)
  • Lack of knowledge re: system, rules,options, actual coverage
  • Language (foreign & bureaucratese)
  • Mailing Address / homeless
  • Rural locales & limited services,
  • Transportation
  • Staff sensitivity training
  • Multilingual Orientation & Information Campaign
  • Multilingual Services
  • Community-based workshops
  • Online forms, in-office assistants & optional pick up locations
  • ‘Smart-cards’ (photo, medical history & coverage plan).
  • More care vans, mobile clinics, community health centres.
  • Mental health & addictions counselling in rural areas.

* Hawai\'i Coverage for All Project * DHHS / HRSA State Planning Grant * RCUH Prog. # 659075 *

equitable
Equitable
  • Issues of respect
  • Strong support for equal care regardless of premiums paid
  • Quality Basic Coverage includes:
  • Emergency & catastrophic coverage
  • no lifetime cutoffs
  • Public health, mental health & preventative medicine
  • Dental (Not just extractions)
  • Drugs (including harm-reduction, prophylactic)
  • Vision

* Hawai\'i Coverage for All Project * DHHS / HRSA State Planning Grant * RCUH Prog. # 659075 *

flexible
Flexible
  • People Suggested:
  • Pay via income taxes
  • Geared to income, payments based on previous quarter
  • Long-term, no-interest payment options for large debts.
  • Self-tailored options:
  • chiropractic, massage, naturopathy, homeopathic, lomilomi, etc.

* Hawai\'i Coverage for All Project * DHHS / HRSA State Planning Grant * RCUH Prog. # 659075 *

slide9
UnderstandableCurrent patchwork of plans, providers, gap-programs, intra-state rules & forms is confusing for all involved
  • Who to ask?
  • Prior Experiences Frame Misperceptions
  • Medical Debt Shocks
  • “Ostriching”

* Hawai\'i Coverage for All Project * DHHS / HRSA State Planning Grant * RCUH Prog. # 659075 *

understandable how
Understandable: How?
  • Proactive, multi-targeted information dissemination by Providers, Employers, Department of Health
  • Use churches, jails, schools & local community groups (ie: kava clubs, women’s auxiliary, sports teams) to expand existent word-of-mouth networks.
  • Workshops targeting those who tend to fall through the gaps: prisoners, youth (19-25 yrs), newcomers, non-English speakers
  • Information Campaign
  • Providers to post fees for health services & descriptions of plans in ER, clinic waiting rooms

* Hawai\'i Coverage for All Project * DHHS / HRSA State Planning Grant * RCUH Prog. # 659075 *

understandable how1
Understandable: How?
  • Providers / Employers to format simpler & more easily retained documentation (such as 5x7 fridge magnets), with basic health plan info.
  • Multilingual, One-stop Information & Coordination Centre
  • Health Coverage Info Query Hotline;
  • Health Coverage Ombudsman;
  • Insurance Commissioners office to better track & explain available plans & disseminate information;

* Hawai\'i Coverage for All Project * DHHS / HRSA State Planning Grant * RCUH Prog. # 659075 *

uninterrupted
“Uninterrupted”
  • Life Crises
  • Retirement
  • Age 19 cut-offs
  • Self-Employed
  • Jail
  • Pregnancy
  • Unemployment
  • Monthly Assessments
  • Family Coverage
  • How to ensure continuity?
  • Insurers to more appropriately assess premiums for youth, self-employed, sole proprietors
  • Lower COBRA premiums
  • Convicts signed on to health plan (Quest?) before release.
  • Lengthen Quest income & means reporting periods
  • Newborns automatically covered under mother
  • Seasonal & casual labor to have family coverage as an automatic option, domestic partners and extended kin (ie parents, siblings) allowable on family plan.

* Hawai\'i Coverage for All Project * DHHS / HRSA State Planning Grant * RCUH Prog. # 659075 *

worthwhile
Worthwhile
  • Feel ‘ripped off’ when coverage unused
  • To self-fund may seem rational decision
  • Gambling on wellness
  • Value of cradle to grave coverage must be understood to be a long-term, societal benefit & responsibility.

* Hawai\'i Coverage for All Project * DHHS / HRSA State Planning Grant * RCUH Prog. # 659075 *

coverage is confidence1
Coverage is Confidence
  • Confidence to send a child on a school trip
  • Confidence that a parent will be able to walk into a hospital or clinic with dignity
  • Confidence that the society to which you have contributed will repay that contribution when you need help
  • Confidence that when disaster strikes, you will not loose a home, a child’s college tuition,a car, a limb.
  • Confidence that you will get the same care as anyone else – that wealth and poverty are irrelevant when it comes to health.

* Hawai\'i Coverage for All Project * DHHS / HRSA State Planning Grant * RCUH Prog. # 659075 *

ad