Is Workers' Compensation Covering Uninsured Medical Costs?


Book Description

Steady increases in the cost of medical care, coupled with a rise in the fraction of workers who lack medical insurance, have led to a growing concern that the Workers' Compensation system is paying for off-the-job injuries. Many analysts have interpreted the high rate of Monday injuries--especially hard-to-monitor injuries like back strains--as evidence of this phenomenon. The analysis in this paper, however, which uses data on "first reports" of injury filed with the Minnesota Department of Labor and Industry between 1985 and 1989, indicates that workers with low probabilities of medical coverage were no more likely to report a Monday injury than were other workers. Furthermore, employers were no more likely to challenge Monday injury claims made by workers with low medical coverage rates than claims made by workers with high medical coverage rates.







Medical Costs in Workers' Compensation


Book Description

This study compares medical costs in Minnesota1s workers1 compensation system to workers1 compensation medical costs in other states. Medical coverage in the workers1 compensation system is virtually the same in all states. If we assume workers in each state had similar injuries, the amount and type of medical care should be approximately the same in each. Under these assumptions, observed differences in medical costs could occur for a number of reasons. Among them are interstate differences in average medical costs, worker demographics and workers1 compensation systems.







Care Without Coverage


Book Description

Many Americans believe that people who lack health insurance somehow get the care they really need. Care Without Coverage examines the real consequences for adults who lack health insurance. The study presents findings in the areas of prevention and screening, cancer, chronic illness, hospital-based care, and general health status. The committee looked at the consequences of being uninsured for people suffering from cancer, diabetes, HIV infection and AIDS, heart and kidney disease, mental illness, traumatic injuries, and heart attacks. It focused on the roughly 30 million-one in seven-working-age Americans without health insurance. This group does not include the population over 65 that is covered by Medicare or the nearly 10 million children who are uninsured in this country. The main findings of the report are that working-age Americans without health insurance are more likely to receive too little medical care and receive it too late; be sicker and die sooner; and receive poorer care when they are in the hospital, even for acute situations like a motor vehicle crash.




Medical Fee Schedule


Book Description







Health Insurance is a Family Matter


Book Description

Health Insurance is a Family Matter is the third of a series of six reports on the problems of uninsurance in the United Sates and addresses the impact on the family of not having health insurance. The book demonstrates that having one or more uninsured members in a family can have adverse consequences for everyone in the household and that the financial, physical, and emotional well-being of all members of a family may be adversely affected if any family member lacks coverage. It concludes with the finding that uninsured children have worse access to and use fewer health care services than children with insurance, including important preventive services that can have beneficial long-term effects.