DOCUMENTS

papers

Does high-risk pool coverage meet the needs of people at risk for disability?

Published: September 1, 2008
Category: Papers
Authors: Hall JP, Moore JM
Country: United States
Language: null
Type: Care Management
Setting: Health Plan

Inquiry 45:340-352.

University of Kansas, Lawrence, KS, USA

State high-risk insurance pools serve people denied coverage because of pre-existing conditions. With benefit plans modeled on the individual market, these pools generally require higher out-of-pocket expenditures and provide fewer benefits than employer-sponsored plans, while their beneficiaries have very intensive needs. We profile 416 working adults enrolled in a state high-risk pool and document their health conditions and health care utilization. High-risk pool and federal employee benefits are compared to assess insurance structure and implications for health and disability outcomes.

PMID: 19069014

Outcome Measures,High Risk,High-Impact Chronic Conditions,United States,Adolescent,Adult,Gender,Health Services Accessibility/organization & administration,Health Services Accessibility/statistics & numerical data,Health Services Research,Insurance Claim Review,Insurance Pools/organization & administration,Medically Uninsured/statistics & numerical data,Middle Aged,Risk Factors,Socioeconomic Factors,Young Adult

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