Health insurance and the financial impact of IDDM in families with a child with IDDM

被引:27
作者
Songer, TJ
LaPorte, RE
Lave, JR
Dorman, JS
Becker, DJ
机构
[1] UNIV PITTSBURGH, GRAD SCH PUBL HLTH, HLTH SERV ADM, PITTSBURGH, PA 15261 USA
[2] UNIV PITTSBURGH, SCH MED, DEPT PEDIAT, DIV ENDOCRINOL & METAB, PITTSBURGH, PA 15261 USA
[3] CHILDRENS HOSP PITTSBURGH, PITTSBURGH, PA 15213 USA
关键词
D O I
10.2337/diacare.20.4.577
中图分类号
R5 [内科学];
学科分类号
1002 ; 100201 ;
摘要
OBJECTIVE - To examine the health insurance experience and out-of-pocket health care costs of families with a child with IDDM. RESEARCH DESIGN AND METHODS - A case-control study of 197 families with a child with IDDM and 142 control families with no diabetic children was conducted. IDDM-affected families were identified from the Allegheny County IDDM Registry. Brothers and sisters of the parents in the IDDM-affected families were asked to participate as control subjects. Health insurance coverage and the money that families spent on health care services and supplies not reimbursed by insurance (out-of-pocket costs) were assessed by questionnaire. RESULTS - No difference was found between the IDDM-affected and control families in the percentages with or without insurance. Families with low household incomes ($10,000-$19,999) were at the greatest risk for having no insurance. While coverage provided by private plans was similar between the IDDM-affected and control families, many families had no reimbursement for insulin (10%), syringes (10%), or blood testing strips (30%). Out-of-pocket expenses were 56% higher in the IDDM-affected families than in the control families. Seventeen percent of the IDDM-affected families had expenses over 10% of their household income. This particularly affected families with low household incomes. Pre-existing illness clauses and insurance denial affected only a small proportion of the case families. CONCLUSIONS - These data illustrate that most families with a child with IDDM have health insurance, yet still incur larger out-of-pocket health care costs than do families without the presence of diabetes. IDDM-affected families likely face a number of economic decisions regarding health insurance and the use of health care.
引用
收藏
页码:577 / 584
页数:8
相关论文
共 38 条
[1]   HEALTH-INSURANCE AND UTILIZATION OF MEDICAL-CARE FOR CHILDREN WITH SPECIAL HEALTH-CARE NEEDS [J].
ADAY, LA ;
LEE, ES ;
SPEARS, B ;
CHUNG, CW ;
YOUSSEF, A ;
BLOOM, B .
MEDICAL CARE, 1993, 31 (11) :1013-1026
[2]  
ADAY LA, 1993, RISK AM HLTH HLTH CA
[3]  
[Anonymous], 1989, DIABETES CARE, V12, P365
[4]  
BENNEFIELD RL, 1995, DYNAMICS EC WELL BEI
[5]  
BRANSOME ED, 1992, DIABETES CARE, V15, P1
[6]   INSURING THE CHILDREN - A DECADE OF CHANGE [J].
CUNNINGHAM, PJ ;
MONHEIT, AC .
HEALTH AFFAIRS, 1990, 9 (04) :76-90
[7]  
DICKER M, 1980, DHHS PUB
[8]  
FARLEYSHORT P, 1989, PROFILE
[9]  
FARLEYSHORT P, 1988, HLTH AFF, V7, P186
[10]  
FOX HB, 1990, PEDIATRICS, V85, P50