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PubMed2002

The impact of private long-term care insurance on claimants: formal and informal care in the community.

Policy makers show continuing interest in the potential for long-term care (LTC) insurance to save public money by reducing pressure on the Medicare and Medicaid programs. Although the purchase of LTC insurance is being encouraged by government - through tax incentives and the offering of private LTC insurance as an option for public employees - little is known about how benefits are used, whether those claiming benefits feel they are getting good value for their money, and whether the patterns of formal (paid) and informal (unpaid) service use differ for insurance claimants compared to similarly disabled persons without private LTC insurance. This brief provides information on older people claiming LTC insurance benefits and compares their experiences to those of non-privately insured older people who need LTC. We conclude that LTC insurance is an important source of support for those who lack informal support from family and friends. However, LTC insurance remains a complex product; claimants need help in using their benefits to obtain the appropriate level and quality of care and in understanding at the time of purchase how much protection they need.

Activities of Daily Living↗
PubMed2002

Limiting long-term illness and the experience of financial strain in Sweden.

AIMS: This study aims to investigate whether those individuals exposed to certain socioeconomic events (e.g. unemployment or early retirement) are more at risk of experiencing financial strain if they are also exposed to some limiting long-term illness. METHODS: This is a cross-sectional study using a Swedish sample of 41,497 individuals between the ages of 25 and 65 selected from the Survey of Living Conditions of Statistics Sweden. The measure of association used in the study is the prevalence odds ratio, and interaction analyses are performed in order to assess differential susceptibility to experience financial strain. RESULTS: The results show that young persons, living in poor households, unemployed or early retired, reporting a high degree of impairment, present a greater probability of experiencing financial strain. Severe impairment has proved to be a component in the possible causal chain leading to the experience of financial strain, which interacts with the factors studied, increasing significantly the probability of certain groups experiencing financial hardship. CONCLUSION: The results sustain the hypothesis that social consequences of illness, such as financial strain, might contribute to aggravate inequalities between socioeconomic groups under certain conditions such as unemployment and poverty.

Adult↗
PubMed1994

The costs of family contributions to the care of persons with dementia.

This study focuses on the costs of dementia care incurred by families. Cost components operationalized include: costs of unpaid caregiver labor services, paid and unpaid family labor, paid and unpaid services of nonfamily persons, and cash outlays for equipment and services. Among 182 families of dementia patients, average care costs for a 3-month period amount to $4,564. Cash expenditures average only 29% of total care costs, with unpaid labor accounting for 71% of the family care costs. Total care costs rise by $1,158 for each additional dependency in an activity of daily living (ADL), while reliance on paid services is 5% higher for each additional $10,000 household income and drops by 25% if the patient lives in the caregiver's household.

Activities of Daily Living↗
PubMed1977

Private health insurance in 1975: coverage, enrollment, and financial experience.

More improvement in the scope than in the quality of private health insurance coverage took place during 1975. Four-fifths of the population under age 65 was covered for hospital and surgical care, and nearly that proportion was protected against the costs of physicians' in-hospital visits, X-ray and laboratory examinations, and prescribed out-of-hospital drugs. The $33.6 billion in premiums paid by consumers resulted in the return of only $28.9 billion in benefits, which covered just 44% of their total personal health care expenditures. Major-medical insurance, held by an estimated 43% of the population, helped to overcome some of the deficiencies of private insurance--dollar limitations on health care services, ceilings on the duration of hospital stays, and exclusions for some types of care. It also provided economic protection against catastrophic expenses. Premiums and subscription income rose faster than benefits as private insurers attempted to keep their coverage in line with rising health care costs. The overall underwriting gain was due largely to a $952.4 million gain in group business by the insurance companies.

Adult↗
PubMed1997

Medical history and risk assessment.

The "graying" of America has resulted in dentists treating increased numbers of elderly patients, 60% of whom are dentate. Since the majority of elderly persons has at least one chronic disease, this chapter addresses critical aspects of history taking and risk assessment for the geriatric dental patient. Self-administered questionnaires have limitations in the geriatric population and the medical history must emphasize functional status, medication use, social support, and financial considerations. Common chronic diseases which potentially increase the risk of adverse events for the geriatric patient undergoing dental care are discussed. Effective dentist-physician communication is pivotal to the successful management of the elderly dental patient.

Activities of Daily Living↗
PubMedDate not supplied

Willingness to pay per quality-adjusted life year in a study of knee osteoarthritis.

BACKGROUND: Determining whether a particular medical intervention is cost-effective requires that a threshold of cost per benefit gained be established. As debate continues over the appropriate threshold, we present measures of willingness to pay (WTP) per quality-adjusted life year (QALY) for own health and 2 hypothetical osteoarthritis scenarios. METHODS: One hundred ninety-three persons, located through random digit dialing in Harris County, Texas, completed face-to-face interviews collecting demographic information and health preferences using visual analog scale, time tradeoff, standard gamble, and WTP methodologies. RESULTS: The mean WTP/QALY for all methods was lower (range, $1221-$5690/QALY) than many estimates from revealed preference studies and lower than the oft-cited arbitrary cutoff of $50 000. WTP/QALY was highest when participants were judging their personal health improvements as opposed to hypothetical scenarios. There were some significant differences in WTP/QALY across elicitation methodologies for the same scenario. Demographic characteristics were not associated with WTP/QALY measures. CONCLUSIONS: The health states and improvements in health evaluated here do not contain a risk of mortality, unlike many situations in which WTP/QALY has been previously evaluated. The lower WTP/QALY values found here may indicate that the presence of a mortality risk reduction substantially increases stated WTP/QALY. Appropriate thresholds for cost-effectiveness may be dependent on the context of a situation, including risk of mortality.

Adult↗
PubMed1988

Paying informal caregivers.

The use of economic incentives in informal care exchanges is examined in the context of Norway's highly but not fully developed welfare state. Informal care has traditionally been unpaid. This may be changing. A random sample of 490 urban, working and lower middle class persons, 70 years of age and over, has shown that the majority feel that long-term help from neighbors should be paid and a substantial minority feel that adult children should be paid for short-term help as well. One in five elderly recipients of informal care reported paying for help. The observed gap between pro-payment attitudes and current payment practices suggests that there may be obstacles hindering the elderly from paying informal caregivers. Payment appears to be related to the legitimacy of requesting assistance which, in a welfare state, involves the use of formal supports to minimize informal care burdens.

Aged↗
PubMed2006

Willingness to pay for praziquantel treatment in a hyperendemic community of Ogun State, Nigeria.

BACKGROUND: Schistosomiasis is highly endemic in Nigeria. However, very little is known about the usage and social marketing of praziquantel in the control of schistosomiasis in endemic communities and on the persons willingness to pay for the drug to support its extensive use and thus aid control efforts in Nigeria. OBJECTIVE: The study examined the willingness of people in a hyperendemic community, to pay for treatment with praziquantel before and after provision of the drug, with a view to assess the feasibility of achieving widespread coverage. METHODS: Data were collected through focus group discussions among household heads and other adult family members and through the use of a questionnaire to survey household heads in Imala-Odo, a community hyperendemic for schistosomiasis, in southwest Nigeria. The main outcome measure was the respondents' willingness to pay for schistosomiasis treatment. RESULTS: The results showed that in contrast to the 92.3% of respondents who expressed willingness to buy the drug in the preintervention study, only 46.5% actually purchased the drug during intervention for the treatment of their infected household members. The respondents' level of education, occupation, and income influenced their willingness to pay (P<.05). Statistical tests showed that those willing to pay for treatment had a higher income score than those unwilling to do so. Most respondents preferred their community head and reliable persons chosen by the community as convenient outlets for drug distribution. The number of household members respondents were willing to treat increased from 4 to 6 at N320.00 (US $2.52) in the preintervention and postintervention phases, respectively. Gender factor was found to influence the respondents' perceived average treatment cost; the females wanted N300.00 (US $2.36) against N100.00 (US $0.79) among the males. CONCLUSION: Efforts need to be made and sustained to ensure that all families can afford to praziquantel drug to achieve the ultimate goal of controlling the infection in endemic communities of Nigeria.

Adolescent↗
PubMed1982

Effects of fluoride and regular dental care on personal dental expenditures of young adults in Finland.

This paper analyzes the relationship among presence of fluoride in the drinking water, oral health and dental expenditures in four towns in Finland. A two-stage least-squares model is used to determine the effect of fluoridated water and other independent variables on the number of missing teeth and per capita annual dental service expenditures for 555 adults. The results show that regularity of dental visits is the only significant factor explaining per capita expenditures. In contrast, many factors affect the number of missing teeth; most importantly, the number of dentists per capita, level of fluoride, age, education, use of services and smoking habits. These findings suggest that fluoride significantly improves oral health status but does not reduce adult per capita dental expenditures.

Adult↗
PubMed2003

A comparison of two methods for eliciting contingent valuations of colorectal cancer screening.

Willingness-to-pay (WTP) is being used increasingly in health technology assessment, although a number of methodological issues remain unresolved. Using data obtained from a randomised questionnaire survey, we investigated the metrical properties of two WTP formats, the open-ended question versus the payment scale, in the context of screening for colorectal cancer. Approximately, 2800 responses were analysed. Household income, attitudes toward health promotion and personal risk perceptions were the principal determinants of the nature and value of response. In comparison with the open-ended format, the payment scale achieved a higher completion rate and generated higher valuations. We believe that a framing effect is the most plausible explanation for these differences in performance. In contrast to previous findings, we do not find subjects' perceptions of the resource cost of interventions to be a convincing explanation for either their WTP values or inconsistencies between values and preferences. Although a proportion of respondents protested at the notion of valuation, the majority offer positive valuations, although typically of a lower value that non-protesters.

Adult↗
PubMed2005

The role of price, sociodemographic factors, and health in the demand for bariatric surgery.

OBJECTIVES: To estimate the effect of price, sociodemographic factors, and health on the demand for bariatric surgery among eligible individuals with private health insurance, in order to enable policy makers and insurers to make more informed decisions concerning access to care for bariatric surgery. STUDY DESIGN: We conducted an Internet-based contingent valuation survey of 1802 obese persons eligible for bariatric surgery but who had not undergone the procedure. METHODS: We used multivariate regression analysis to separately estimate the likelihood of having gastric bypass and gastric banding surgery at different out-of-pocket costs. We combined the results with estimates of the privately insured bariatric surgery-eligible population from the National Health and Nutrition Examination Survey, 1999-2002, to estimate aggregate demand. RESULTS: Out-of-pocket cost was negatively and highly significantly related to the self-reported likelihood of having surgery. Persons with higher incomes and younger persons also reported a significantly higher likelihood of surgery. No effect was found for body mass index or for most comorbidities. We estimate that about 150 000 bariatric operations per year would be demanded by those with private health insurance at an out-of-pocket cost of USD 25 000. At USD 5000, we estimate a demand of 250 000 bariatric operations per year. CONCLUSIONS: Price is significantly and negatively related to the demand for bariatric surgery. At an out-of-pocket cost of USD 5000, about 2.2% of the bariatric surgery-eligible population would strongly consider surgery.

Adolescent↗
PubMedDate not supplied

Can households earning minimum wage in Nova Scotia afford a nutritious diet?

OBJECTIVE: To assess the affordability of a nutritious diet for households earning minimum wage in Nova Scotia. METHODS: Food costing data were collected in 43 randomly selected grocery stores throughout NS in 2002 using the National Nutritious Food Basket (NNFB). To estimate the affordability of a nutritious diet for households earning minimum wage, average monthly costs for essential expenses were subtracted from overall income to see if enough money remained for the cost of the NNFB. This was calculated for three types of household: 1) two parents and two children; 2) lone parent and two children; and 3) single male. Calculations were also made for the proposed 2006 minimum wage increase with expenses adjusted using the Consumer Price Index (CPI). RESULTS: The monthly cost of the NNFB priced in 2002 for the three types of household was 572.90 dollars, 351.68 dollars, and 198.73 dollars, respectively. Put into the context of basic living, these data showed that Nova Scotians relying on minimum wage could not afford to purchase a nutritious diet and meet their basic needs, placing their health at risk. These basic expenses do not include other routine costs, such as personal hygiene products, household and laundry cleaners, and prescriptions and costs associated with physical activity, education or savings for unexpected expenses. CONCLUSION: People working at minimum wage in Nova Scotia have not had adequate income to meet basic needs, including a nutritious diet. The 2006 increase in minimum wage to 7.15 dollars/hr is inadequate to ensure that Nova Scotians working at minimum wage are able to meet these basic needs. Wage increases and supplements, along with supports for expenses such as childcare and transportation, are indicated to address this public health problem.

Adult↗
PubMed2003

Financial considerations in living organ donation.

The shortage of cadaveric organs and increased success of living donor transplantation support the use of living organ donors. Clinical social workers have the opportunity to explore a variety of donor-specific issues when performing psychosocial evaluations of living donors, including motivation, psychological stability, and personal and family consequences of donation, as well as the direct and indirect financial consequences faced by living donors. Although most donor-related medical costs are covered, other associated expenses are not reimbursable and may put donors at risk for financial hardship. Out-of-pocket expenses also serve as a disincentive to donate for some volunteers. During the evaluation process, healthcare professionals should openly discuss how surgery, recovery, and any potential complications might impact prospective donors' financial situation. Donors can then decide whether they are able to realistically handle the costs of donation. We present the financial dilemmas experienced by many living donors and highlight efforts that have been made to deal with them.

Absenteeism↗
PubMed2005

Widow(er) poverty and out-of-pocket medical expenditures near the end of life.

OBJECTIVES: Elderly widows are three times as likely to live in poverty as older married people. This study investigates the gap in poverty, income, and wealth between these groups. Focus is placed on the role played by out-of-pocket medical expenditures spent on dying spouses. METHODS: A national panel survey of people age 70 and older in 1993 was used. Income, poverty, wealth, and out-of-pocket expenditures were examined before and after widowhood, with comparisons made with couples not experiencing a death. RESULTS: Forty-four percent of the difference in economic status between widow(er)s and married elderly persons was due to disparities in economic status that existed prior to widowhood. The remaining 56% was due to factors more directly related to the death of a spouse, including the loss of income and expenses associated with dying. On average, out-of-pocket medical expenditures in the final 2 years of life were equal to 30% of the couple's annual income. For couples in the bottom quarter of the income distribution, these expenditures were 70% of their income. DISCUSSION: As policy makers continue to debate expansions and reforms of Medicare, the potential effects of these reforms on economic well-being, particularly among widows, should be considered.

Adaptation, Psychological↗
PubMed2006

Willingness to pay for health insurance among rural and poor persons: field evidence from seven micro health insurance units in India.

This study, conducted in India in 2005, provides evidence on Willingness to pay (WTP), gathered through a unidirectional (descending) bidding game among 3024 households (HH) in seven locations where micro health insurance units are in operation. Insured persons reported slightly higher WTP values than uninsured. About two-thirds of the sample agreed to pay at least 1%; about half the sample was willing to pay at least 1.35%; 30% was willing to pay about 2.0% of annual HH income as health insurance premium. Nominal WTP correlates positively with income but relative WTP (expressed as percent of HH income) correlates negatively. The correlation between WTP and education is secondary to that of WTP with HH income. Household composition did not affect WTP. However, HHs that experienced a high-cost health event and male respondents reported slightly higher WTP. The observed nominal levels of WTP are higher than has been estimated hitherto.

Data Collection↗
PubMed1986

Incidence, utilization, and costs associated with acute respiratory conditions, United States, 1980.

Acute respiratory conditions are common causes of health disturbance in the general population. They are generally self-limiting, although occasionally recurrent, and seldom result in large health care costs for each episode of illness. The National Medical Care Utilization and Expenditure Survey (NMCUES), conducted during 1980, provided an opportunity to assess the effect of acute respiratory conditions on utilization of medical services and on functional capability as well as the cost of related medical care. Acute respiratory conditions were reported by survey respondents and separated into five subgroups: colds, influenza, nasopharyngitis, otitis media, and lower respiratory infections. Allergic conditions and chronic respiratory disorders (tuberculosis, chronic obstructive pulmonary disease, and pneumoconioses) were excluded. The subgroupings of acute respiratory conditions appear to separate the disorders in a manner consistent with the epidemiologic characteristics of each condition. About one-half (50.4 percent) of the U.S. civilian noninstitutionalized population had one or more acute respiratory conditions during 1980. The highest rates for upper respiratory conditions (colds, influenza, nasopharyngitis, and otitis media) were reported for those under 18 years of age, and rates were lower in successively older groups. Lower respiratory infection rates were higher in the youngest and oldest groups. Despite a high incidence in the general population, most symptomatic episodes of colds, influenza, and nasopharyngitis did not result in ambulatory care visits or hospital admissions. Otitis media and lower respiratory infections were more often associated with medical visits. Acute respiratory conditions were associated with lower disability levels than the average for the U.S. civilian noninstitutionalized population during 1980 (5.9 restricted-activity days for acute respiratory conditions, compared with an overall average of 13.8 restricted-activity days). Persons with upper respiratory conditions (colds, influenza, otitis media, and nasopharyngitis) averaged 2.3 to 5.4 restricted-activity days, but persons with lower respiratory infections experienced an average of 8.2 restricted-activity days. Indirect costs attributed to acute respiratory conditions in 1980 were $7.7 billion for employed persons and $698 million for homemakers, for a total of $8.4 billion, about the same as total direct costs ($8.3 billion). These indirect costs were several times larger than the annual indirect costs estimated for either cardiovascular diseases or musculoskeletal diseases, two common chronic or recurrent condition groups. The high indirect costs reflect the high frequency of episodes in the general population during 1980 and the greater likelihood of associated bed-disability and work-loss days than for other conditions.(ABSTRACT TRUNCATED AT 400 WORDS)

Adolescent↗
PubMed1993

Long-term care, Medicaid, and impoverishment of the elderly.

The 1989 Long Term Care Survey was used to assess the extent to which entry of disabled elderly into nursing homes depletes personal wealth ("spenddown"); the effect of state eligibility rules on this process, on incentives to shield assets for Medicaid eligibility, and on out-of-pocket prices for nursing-home care; and whether the disabled elderly's housing wealth represents potential revenue for Medicaid. Most disabled elderly in the community were either Medicaid eligible, or would have been soon after entering a nursing home. Variations in state Medicaid eligibility rules do not explain differences in the spenddown process: the amount of nonhousing wealth of most disabled elderly seldom warranted its transfer to relatives in order to secure Medicaid benefits, nor would their housing wealth have offered more than limited revenue for Medicaid.

Aged↗
PubMedDate not supplied

Willingness to pay to shorten waiting time for cataract surgery.

We interviewed persons who had recently been placed on a public waiting list for cataract surgery in Manitoba, Canada; Barcelona, Spain; and Denmark. The majority of the respondents were unwilling to pay higher taxes to reduce the length of the waiting list or to pay more out of pocket to have the surgery performed earlier in the private sector. Less than 2 percent actually had the surgery done in the private sector. We conclude that in spite of expressed public dissatisfaction with waiting lists in all three sites, a majority of the respondents did not support the actions that could have reduced their own wait.

Aged↗