Americans Skipping Treatments Due to Insurance Barriers!
GreenSense Billing
Growth Is Complicated. We Make It Simple! End-to-End Revenue Cycle Management For Healthcare Facilities.
KFF's comprehensive survey interviewed 3,605 U.S. adults with health insurance, aiming to gain a deeper understanding of their perspectives on health coverage, affordability, interactions with insurance providers, and the challenges they face.
The majority of insured adults (81%) rated their health insurance as excellent or good. However, a significant number of them (58%) reported facing challenges when using their health coverage. These challenges included denied claims, issues with provider networks, and difficulties with pre-authorization.
Interestingly, individuals in fair or poor health were more likely to experience insurance problems (67%) compared to those in good physical health (56%). The survey also highlighted the obstacles in accessing mental health care, with 43% of those in fair or poor mental health not receiving the necessary services or medication.
Affordability concerns were prominent among insured adults. Approximately 55% of Marketplace plan holders and 46% of employer-sponsored insurance (ESI) holders rated their insurance negatively in terms of premiums. As a result, many insured adults reported skipping or delaying care due to cost.
Resolving insurance problems was another area of concern. Half of those who faced insurance problems were unable to resolve them satisfactorily. This had significant consequences, such as not receiving recommended care, experiencing a decline in health, and paying more than expected for care.
The survey also revealed that understanding health insurance posed challenges for many insured adults. This difficulty encompassed understanding coverage details, out-of-pocket expenses, network information, and Explanation of Benefits (EOBs). Notably, even individuals with college degrees reported difficulties in comprehending their insurance.
The insights gained from monitoring health insurance experiences, particularly for individuals who are sick, are vital for evaluating the effectiveness of the healthcare and health insurance systems as a whole.