AIM Health Insurance
The health of a population is not only based on the strength of its health care professionals and diagnostic capabilities – to a great extent, the health of a population is shaped by factors that exist outside of its health care system, this includes the health and well-being of the underinsured (Wakefield, 2010). Community health and its development require strong support networks and supportive social environments, education and a literate population, good working conditions, a stable physical environment and a strong culture, amongst other things. Together, these “Social Determinants of Health” are what shape the health of a population, and people should not be segregated in categories depending on their insurance (Mahar, 2010). Though there are a number of people in the United States who do not have health insurance, there is a certain group that deserves more focus. Those who fall under the ages between twenty and thirty years of age are more likely to have higher rates on their health coverage. These issues cause this certain age group to be without policy.
A study was conducted to see which of the population travelling to Israel have proper health insurance. It was found that a good 65.4% do have insurance and 29.5% do not.
Studies have shown that children who travel are more likely to be insured than those who do not. The uninsured who travel to Israel who are below the ages of twenty are a low thirteen percent. This is most likely because children who are under the age of twenty are supplementary to the healthcare plan of their parents. Children who live in rural areas are said to be least likely to be insured as those who live in urban areas, additionally those who live in urban areas are more likely to travel as compared to those who do not. This increases the chances for those who travel to Israel to be insured. It can be assumed that those children who are under the age of 20, travelling to Israel are most likely living in urban areas and are insured.
Those who are above sixty years of age and travel to Israel are also most likely to be insured. These individuals most probably get their insurance at retirement. A number of states offer great healthcare plans for those who are qualified after retirement. These are the individuals who are more likely to be able to travel. Those who are above sixty years of age will be reluctant in travelling if they are not insured. This age group would have a more likely chance of needing health insurance as compared to any other group.
Those who are between the ages of twenty and thirty are the ones who are least likely to be insured since they need to find their own insurance. These individuals can no longer be covered by their parents’ insurance and will depend on their own healthcare plan either from welfare of from a job. Not all employees can afford healthcare plans, and these are usually only for the employees who have been working for a certain period of time. Those who are between the ages twenty and thirty are more likely to be new at work as compared to any other age range. Therefore, they are more likely to not be covered by insurance. People who belong in this age group are most likely least careful with their health, well being, etc. Those who fall under this age group have less responsibilities and obligations to fulfill as compared to those who might be older.
According to Newport and Mendez (2009) about 17.3% of the American population does not have health insurance. The uninsured are seen in families that work. Studies show that 51% of the families have a working household head that are employed full-time and worked for a full year. These uninsured groups work in firms where insurance coverage is not available, dependant coverage is not available, insurance coverage is not available or employees coverage may be paid yet dependant coverage is too expensive (Newport & Mendes, 2009). Or, the case could be that these uninsured work in a firm which has very little employees. Small firms, which have around 3-9 employees, are seen to least likely offer insurance coverage. There are many issues when it comes to purchasing insurance for small firms. Small firm employers cannot afford comprehensive health coverage for their employees (Newport & Mendes, 2009).
For those who do provide health coverage, they can only manage to pay for their employees and not their dependents. If this were the case, employees would be seen paying higher out-of-the-pocket costs for coverage and co-payments. There are no alternatives which are low-cost for dependent coverage. Most of the uninsured in the United States are those from low-income families. Surveys show that 26% of these families live below the poverty guidelines; 41% of these families earn between 100% to 250% of the Federal Poverty Level (FPL) Guidelines. All ethnic groups from the United States suffer from being uninsured. The highest rate of uninsured under an ethnic category is the Hispanic community (Newport & Mendes, 2009). In a study which observed the uninsured from adults which are aged 18 years and older, 41.5% of these uninsured people were Hispanics. 28.6% of the overall group earned less than $36,000/year. The age group of 20-30 years old is more likely uninsured because of the responsibilities undertaken during this age. Those who are above 60 years of age are probably on pension.
AIM Health Insurance seeks to provide an equal type of coverage, especially for those who fall under the age group of twenty to thirty years of age. Like most premiums, those who fall under the age group that is most susceptible to risk, interest is higher. However, AIM puts in efforts to minimize payments and still insure a quality premium for those who wish to put their well being first. There are great packages and rates available for potential customers to take a look at. Additionally, AIM takes that extra mile in ensuring all customers are well taken care of. Those who have availed of policy coverage can take advantage of AIMs lectures on the importance of health insurance. These seminars will be held in high schools, universities, seminaries and other places that AIM sees fit. Our company only wants to give the best that customers deserve, that is why efforts are put out to investing on solutions that will help the age group that other people might not want to touch.
References
Kaye, D.(2004), Uninsured Risks: Meeting the Special Challenges of an Organization Facing
Potentially Destructive Damage, The Geneva Papers on Risk and Insurance, 29(3);
p. 503-511.
National SAFE KIDS Campaign (NSKC) (2004). Childhood Injury Fact Sheet. Washington
(DC):
NSKC.
Newport, F & Mendes, E. (2009). About One in Six U.S. Adults Are Without Health Insurance.
Gallup. Retrieved from http://www.gallup.com/poll/121820/one-six-adults-without-
health-
insurance.aspx
Wakefield, M. (2010). Change Drivers for nursing and health care. Nursing Economics Health
Publication.
