Jan 26, 2019

Does not having insurance decrease quality of care?

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Many people struggle to find affordable health insurance. Some people even forego getting insurance because they simply cannot afford it. If you are one of these people, you may become concerned about whether your health insurance status will affect the quality of your health care. Health Affairs explains that there have been some studies comparing privately insured patients to those with Medicaid or no insurance that show there is a difference in care.

If you do not have insurance, you can expect some delays in your care. There may even be restrictions on the type of care you can receive. Doctors may not offer you certain treatment options, such as the newest or best options. You may also have to see lower-trained physicians or have difficulties seeing specialists.

The biggest issue here may not lie with the actual doctor or facility but rather the insurance companies. Insurers set reimbursement levels and levels of care for their patients. When you pay privately, you do not have these regulations. Doctors do not have to follow the level of care they would if you had insurance. This will affect your care in many situations.

So, the consensus, in general, is that not having insurance does affect your care in a negative way. You may not receive the highest quality of care. Of course, your doctor is still bound to provide you with a basic level of care, but in some cases, that may not be enough. This information is for education only. It is not legal advice.

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