Does High-Risk Pool Coverage Meet the Needs of People at Risk for Disability?
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 ha...
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| Main Authors: | , |
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| Format: | Book |
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SAGE Publishing,
2008-08-01T00:00:00Z.
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| Online Access: | Connect to this object online. |
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| Summary: | 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. |
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| Item Description: | 0046-9580 10.5034/inquiryjrnl_45.03.340 |