Health Care Costs and Lack of Access to Health Insurance: Hearings Before the Committee on Finance, United States Senate, One Hundred Second Congress, First Session, Volume 4, Part 1
U.S. Government Printing Office, 1991 - Health insurance
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Page 253 - SBLC is a permanent, independent coalition of nearly one hundred trade and professional associations that share a common commitment to the future of small business. Our members represent the interests of small businesses in such diverse economic sectors as manufacturing, retailing, distribution, professional and technical services, construction, transportation, and agriculture.
Page 169 - The rising costs of health care are out of control. The US now spends more per capita on health care than any other country in the world; more than double what Japan spends and 40% more than Canada, which is the country that devotes the second largest amount of its income to health care.
Page 163 - Expenses of occasional public service efforts may be met in part by non-restrictive noncommercial contributions, grants and fees. In addition to reports on Consumers Union's own product testing. Consumer Reports...
Page 60 - DARMAN, DIRECTOR, OFFICE OF MANAGEMENT AND BUDGET Mr. DARMAN. Thank you very much, Mr. Chairman. Mr. Chairman, members of the committee, I thank you for inviting me to testify.
Page 165 - Cost shifting accounts for about one-third of the increase in insurance premiums, which are rising as much as 50 percent a year. The cost of medical care — which is increasing two to three times faster than the rate of inflation — is responsible for the rest.
Page 169 - Large, self-insured plans frequently have a great deal of clout in a given area and can negotiate with providers in order to reduce the impact of this "cost shift" on themselves. However, small employers have no ability to reduce this cost-shift and must bear its lull brunt This same cost-shifting scenario also holds true for providers' expenses in delivering uncompensated care, primarily to the uninsured.
Page 113 - Blendon served as chair of the Department of Health Policy and Management at the Harvard School of Public Health and as deputy director of the Harvard University Division of Health Policy Research and Education.
Page 170 - ... higherthan-average premiums for small businesses is that they are always switching insurance companies (called "churning"). Why is this churning so prevalent? A major reason that small businesses switch insurance companies so frequently is that their premiums are frequently increased substantially after the first year of coverage. One of the major reasons these hikes occur is because preexisting condition exclusions often expire after the first 12-18 months of coverage. The resulting premium...
Page 163 - We pay more, much more — but get less. We lag behind numerous countries in important health indicators. As this Committee is well aware, 37 million Americans are not covered by health insurance at all and at least 60 million may be underinsured for much of any given year. Individuals without health insurance have many faces. They may be poor, since only 38% of the poor receive Medicaid. But increasingly, lack of insurance coverage is a middle class phenomenon. Individuals finding themselves uninsured...
Page 165 - medical claims editor" computer software that will rebundle a $2500 bill for performing an appendectomy ($1500) with a laparotomy ($1000), the latter being simply an incision in the abdomen. Once the computer program has rebundled the bill, the doctor will receive only...