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Children's Health Insurance - Parents Perspectives

Author: American Academy of Pediatrics

Published: 2010-10-03

Synopsis and Key Points:

Inability to pay is problem even in families with health insurance.

Main Digest

1 in 8 parents forgoes pediatrician-recommended care - Inability to pay is problem even in families with health insurance.

One in eight parents reported that his or her child had not received pediatrician-recommended care - medication, laboratory testing and/or appointments with specialists - during the previous 12 months due to concerns over cost and payment, according to a study, presented Sunday, Oct. 3, at the American Academy of Pediatrics (AAP) National Conference and Exhibition in San Francisco.

For the study, "Parents Perspectives on their Children's Health Insurance: The Plight of the Under-insured," 1,978 southwest Ohio parents were queried regarding the impact of their children's health insurance on their ability to follow pediatric recommendations, as well as on their child's health. Children were considered "under-insured" if their parents had not been able to follow at least one recommendation from a pediatrician during the previous 12 months due to insufficient insurance coverage.

Forty-two percent of parents with under-insured children agreed with the statement their "child's health had suffered because of not being able to afford the cost of the needed care," compared to less than 2 percent of parents who were not under-insured

The study also found that private insurance is a risk factor for under-insurance. After controlling, for annual family income and health status, children with private insurance were about twice as likely as children with public insurance to be under-insured. In addition, children with poorer health or from poorer families (those with household incomes between $15,000 and $34,999) were at greater risk for under-insurance than children who were healthier or from wealthier families (household earning more than $75,000 annually).

"These results serve to highlight a major public health problem pediatricians have observed for years," said John M. Pascoe, MD, MPH, FAAP. The investigators believe that the explanation for the high level of child under-insurance among lower income families whose children do not qualify for public insurance is the high deductibles and co-pays imposed by their private insurance companies. Many parents believe their children's health has suffered as a direct result of their inability to afford recommended care for their under-insured children."

The American Academy of Pediatrics is an organization of 60,000 primary care pediatricians, pediatric medical sub-specialists and pediatric surgical specialists dedicated to the health, safety and well being of infants, children, adolescents and young adults. For more information, visit www.aap.org

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