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Supplement a primary medical expense plan by paying for expenses that are excluded or subject to the primary plan's cost-sharing requirements (e.g., co-payments, deductibles, etc.); Cover related expenses such as dental or vision care; Assist with additional expenses that may be associated with a serious illness or injury. [25]
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A 2009 study in five states found that medical debt contributed to 46.2% of all personal bankruptcies, and 62.1% of bankruptcy filers claimed high medical expenses in 2007. [57] Since then, health costs and the numbers of uninsured and underinsured have increased. [ 58 ]
The group's methodology has been criticized by John C. Goodman for not looking at cause of death or tracking insurance status changes over time, including the time of death. [304] A 2009 study by former Clinton policy adviser Richard Kronick found no increased mortality from being uninsured after certain risk factors were controlled for. [305]
Even for those who are employed, the private insurance in the US varies greatly in its coverage; one study by the Commonwealth Fund published in Health Affairs estimated that 16 million U.S. adults were underinsured in 2003. The underinsured were significantly more likely than those with adequate insurance to forgo health care, report financial ...
Participatory — self-help projects with local involvement in the form of money, tools, land, materials, or labor; Empowerment — aim to help poor people to understand the social, political, and economic factors affecting their lives, and to increase awareness of their power to control their lives.
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