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    Health Care Behaviors and Decision-Making Processes Among Enrollees In A State High Risk Insurance Pool: Focus Group Findings

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    Hall Carroll Moore 2010.pdf (178.8Kb)
    Issue Date
    2010-05
    Author
    Hall, Jean P.
    Carroll, Shawna L.
    Moore, Janice M.
    Publisher
    American Journal of Health Promotion,
    Type
    Article
    Is part of series
    Vol. 24;No. 5
    Version
    http://ehis.ebscohost.com/ehost/detail?sid=458ef24b-49c1-4dfb-a709-aa17ecdcb391%40sessionmgr4&vid=1&hid=15&bdata=JnNpdGU9ZWhvc3QtbGl2ZQ%3d%3d#db=s3h&AN=50460997
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    Abstract
    Purpose-To better understand the relationship between health insurance coverage and health care behaviors of persons with potentially disabling conditions enrolled in a state high risk insurance pool. Approach or Design-Six focus groups with risk pool enrollees in two sites. Setting-Suburban areas in the state of Kansas. Participants-Forty-two individuals ages 29 to 62 years, all with potentially disabling physical or mental health conditions. Method-Qualitative analysis of focus group transcripts using pile sorting and theme identification. Results-High premiums and deductibles limit participants’ ability to afford basic health services and access to prescription medications despite their middle-class socioeconomic status. Participants report delaying or forgoing needed medical care due to lack of coverage and/or out-of-pocket costs. They employ numerous and potentially dangerous strategies to minimize costs, especially for prescription medications. Some report “saving up” needed procedures until their total costs will exceed that year’s deductible. Conclusion-Individuals in the risk pool were making medical decisions on the basis of cost rather than need. Many shared stories of medical complications as a result of delayed care and most expressed stress related to the difficulty of making decisions about their care and use of prescribed medications. The individual, nongroup insurance market, with its higher out-of-pocket costs, may not meet the needs of people with chronic health conditions.
    URI
    http://hdl.handle.net/1808/11375
    DOI
    https://doi.org/10.4278/ajhp.080613-QUAL-91

    http://ajhpcontents.org/doi/abs/10.4278/ajhp.080613-QUAL-91
    Collections
    • Center for Research on Learning Scholarly Works [125]
    • Institute for Health and Disability Policy Studies [12]
    Citation
    Jean P. Hall, Shawna L. Carroll, and Janice M. Moore (2010) Health Care Behaviors and Decision-Making Processes Among Enrollees in a State High-Risk Insurance Pool: Focus Group Findings. American Journal of Health Promotion: May/June 2010, Vol. 24, No. 5, pp. 304-310.

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    Contact KU ScholarWorks
    785-864-8983
    KU Libraries
    1425 Jayhawk Blvd
    Lawrence, KS 66045
    785-864-8983

    KU Libraries
    1425 Jayhawk Blvd
    Lawrence, KS 66045
    Image Credits
     

     

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