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Search Results (285)

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Keywords = health insurance coverage

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13 pages, 401 KiB  
Article
The Correlation Between Cracked Teeth and National Insurance Coverage of Dental Implants in South Korea: A Retrospective Cohort Analysis
by Se Hoon Kahm, YoungHa Shim and SungEun Yang
J. Clin. Med. 2025, 14(15), 5507; https://doi.org/10.3390/jcm14155507 - 5 Aug 2025
Abstract
Background/Objectives: The expansion of National Health Insurance (NHI) coverage for dental implants in South Korea has substantially increased implant placements among older adults. While implants offer functional and esthetic benefits, their lack of periodontal ligaments alters occlusal force distribution, potentially increasing biomechanical [...] Read more.
Background/Objectives: The expansion of National Health Insurance (NHI) coverage for dental implants in South Korea has substantially increased implant placements among older adults. While implants offer functional and esthetic benefits, their lack of periodontal ligaments alters occlusal force distribution, potentially increasing biomechanical stress on adjacent or opposing teeth. This study aimed to investigate the association between the increased number of dental implants and the incidence of cracked teeth following the introduction of implant insurance. Methods: A retrospective analysis was conducted using the Clinical Data Warehouse of Seoul St. Mary’s Dental Hospital. Patients who underwent molar crown restorations between 2014 and 2022 were included. The incidence and clinical features of cracked teeth were compared before (2014–2015) and after (2016–2022) the introduction of implant insurance. Statistical analyses assessed differences in symptom presentation, pulp status, and treatment outcomes. Results: Among 5044 molars restored with crowns, 1692 were diagnosed with cracks. The incidence of cracked teeth significantly increased after NHI coverage for implants (25.5% vs. 32.6%, p < 0.001). Cases after insurance implementation showed fewer signs and symptoms at initial presentation (67.4% vs. 50.0%, p < 0.001), reduced irreversible pulpitis (37.2% vs. 25.8%, p < 0.001), and increased preservation of pulp vitality (46.9% vs. 57.8%, p < 0.001). These shifts may reflect changes in occlusal adjustment practices and earlier clinical intervention. Conclusions: The findings suggest a temporal link between increased implant placement and the rising incidence of cracked teeth. Implant-induced occlusal changes may contribute to this trend. Careful occlusal evaluation and follow-up are essential after implant placement, and further prospective studies are warranted to confirm causality and refine prevention strategies. Full article
(This article belongs to the Special Issue Research Progress in Osseointegrated Oral Implants)
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16 pages, 1003 KiB  
Article
Closing the Gap in Behavioral Weight Loss Therapy: Prospective Analysis of Clinical Real-World Data of a Four-Year Health Insurance-Financed Program
by Sarah Victoria Frenzel, Hans-Christian Puls, Susan Vogl, Franziska Frölich, Hannes Felten, Nicole Schlenz, Michael Stumvoll, Mathias Fasshauer, Matthias Blüher, Anja Hilbert and Haiko Schlögl
Obesities 2025, 5(3), 58; https://doi.org/10.3390/obesities5030058 - 21 Jul 2025
Viewed by 339
Abstract
Our four-year interdisciplinary behavioral weight loss program is fully covered by public health insurance for patients with a body mass index of ≥35 kg/m2. We evaluated the real-world outcomes of anthropometric, metabolic and psychologic parameters collected prior to the start (t [...] Read more.
Our four-year interdisciplinary behavioral weight loss program is fully covered by public health insurance for patients with a body mass index of ≥35 kg/m2. We evaluated the real-world outcomes of anthropometric, metabolic and psychologic parameters collected prior to the start (t0, n = 381, 71% women) and after each segment of the program (t1–4, n = 243, 126, 94, and 77). It is a prospective evaluation of clinical real-world data including all patients who started the first segment of behavioral treatment until they quit/finished the program. The mean dropout rates per treatment segment were 23%. Body weight after one year decreased from 127.3 kg to 122.2 (p < 0.001). Average hemoglobin A1c value decreased from 5.8% to 5.6% in all patients (p < 0.001) and from 6.6% to 6.2% in patients with type 2 diabetes (p < 0.001). Further metabolic and psychological parameters improved significantly as well. The average weight nadir was reached after two segments, co-occurring with the most beneficial changes in laboratory parameters. Afterwards, mean weight slightly increased accompanied by a discrete loss of benefits in laboratory parameters. Our real-world data with significant health improvements adds important value to discussions about the funding of obesity therapy and thus has the chance to improve therapy availability for obesity patients worldwide. Full article
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18 pages, 1420 KiB  
Review
Unequal Gains? A Literature Review on the Affordable Care Act’s Effects on Healthcare Utilization Across Racial and Ethnic Groups
by Ahmad Reshad Osmani
Int. J. Environ. Res. Public Health 2025, 22(7), 1059; https://doi.org/10.3390/ijerph22071059 - 2 Jul 2025
Viewed by 634
Abstract
The Affordable Care Act (ACA), implemented in 2010, aimed to expand healthcare access, reduce costs, and address long-standing disparities in the U.S. healthcare system, particularly among racial and ethnic minorities. This paper reviews the ACA’s impact on healthcare utilization for these populations, with [...] Read more.
The Affordable Care Act (ACA), implemented in 2010, aimed to expand healthcare access, reduce costs, and address long-standing disparities in the U.S. healthcare system, particularly among racial and ethnic minorities. This paper reviews the ACA’s impact on healthcare utilization for these populations, with a focus on insurance coverage, preventive services, and health outcomes. While Medicaid expansion significantly reduced uninsured rates and increased access to care in states that adopted the expansion, millions of low-income individuals, many of whom are racial and ethnic minorities, remain uninsured in non-expansion states. The elimination of cost-sharing for preventive services under the ACA contributed to increased utilization of cancer screenings, vaccinations, and other preventive measures among minority groups. However, challenges persist, including affordability barriers, geographic disparities, and cultural and linguistic obstacles. This review also highlights the ongoing need for policy interventions, such as nationwide Medicaid expansion, and future research on the long-term effects of the ACA on health outcomes for minority populations. Full article
(This article belongs to the Section Global Health)
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10 pages, 235 KiB  
Article
Prevalence and Factors Associated with Repeat Mental Health Service Utilization During Rwanda’s Genocide Commemoration Week
by Anne Marie Bamukunde, Darius Gishoma, Bakang Percy Tlhaloganyang, Amparo Elena Gordillo-Tobar, Nancy Claire Misago and Claude Mambo Muvunyi
Int. J. Environ. Res. Public Health 2025, 22(7), 1019; https://doi.org/10.3390/ijerph22071019 - 27 Jun 2025
Viewed by 279
Abstract
The genocide commemoration week in Rwanda often triggers heightened mental health (MH) needs, necessitating targeted support. Understanding factors influencing repeat MH service utilization is essential for effective interventions. This cross-sectional study analyzed data from individuals seeking MH services during the 2024 Rwandan genocide [...] Read more.
The genocide commemoration week in Rwanda often triggers heightened mental health (MH) needs, necessitating targeted support. Understanding factors influencing repeat MH service utilization is essential for effective interventions. This cross-sectional study analyzed data from individuals seeking MH services during the 2024 Rwandan genocide commemoration week, distinguishing between first-time and repeat users. Descriptive and logistic regression analyses examined factors associated with repeat utilization. Of the 825 individuals who accessed MH services during Rwanda’s 2024 genocide memorial week, 76% were repeat users. Bivariate analysis showed that age and insurance coverage were significantly associated with repeat service utilization, while gender and province were not. Logistic regression revealed that individuals aged 31–50 (AOR = 2.29, 95% CI: 1.13–4.64, p = 0.022) and those without insurance coverage (AOR = 3.31, 95% CI: 1.78–6.18, p < 0.001) were more likely to be repeat users compared to the reference groups (18–30 years old and those with insurance, respectively). Gender and province remained nonsignificant in the adjusted model. Improving MH access, particularly for middle-aged individuals and the uninsured, is crucial. Addressing barriers to care could enhance service delivery during the commemoration period. Full article
17 pages, 2093 KiB  
Article
The Reliability and Validity of an Instrumented Device for Tracking the Shoulder Range of Motion
by Rachel E. Roos, Jennifer Lambiase, Michelle Riffitts, Leslie Scholle, Simran Kulkarni, Connor L. Luck, Dharma Parmanto, Vayu Putraadinatha, Made D. Yoga, Stephany N. Lang, Erica Tatko, Jim Grant, Jennifer I. Oakley, Ashley Disantis, Andi Saptono, Bambang Parmanto, Adam Popchak, Michael P. McClincy and Kevin M. Bell
Sensors 2025, 25(12), 3818; https://doi.org/10.3390/s25123818 - 18 Jun 2025
Viewed by 706
Abstract
Rotator cuff tears are common in individuals over 40, and physical therapy is often prescribed post-surgery. However, access can be limited by cost, convenience, and insurance coverage. CuffLink is a telehealth rehabilitation system that integrates the Strengthening and Stabilization System mechanical exerciser with [...] Read more.
Rotator cuff tears are common in individuals over 40, and physical therapy is often prescribed post-surgery. However, access can be limited by cost, convenience, and insurance coverage. CuffLink is a telehealth rehabilitation system that integrates the Strengthening and Stabilization System mechanical exerciser with the interACTION mobile health platform. The system includes a triple-axis accelerometer (LSM6DSOX + LIS3MDL FeatherWing), a rotary encoder, a VL530X time-of-flight sensor, and two wearable BioMech Health IMUs to capture upper-limb motion. CuffLink is designed to facilitate controlled, home-based exercise while enabling clinicians to remotely monitor joint function. Concurrent validity and test–retest reliability were used to assess device accuracy and repeatability. The results showed moderate to good validity for shoulder rotation (ICC = 0.81), device rotation (ICC = 0.94), and linear tracking (from zero: ICC = 0.75 and RMSE = 2.41; from start: ICC = 0.88 and RMSE = 2.02) and good reliability (e.g., RMSEs as low as 1.66 cm), with greater consistency in linear tracking compared to angular measures. Shoulder rotation and abduction exhibited higher variability in both validity and reliability measures. Future improvements will focus on manufacturability, signal stability, and force sensing. CuffLink supports accessible, data-driven rehabilitation and holds promise for advancing digital health in orthopedic recovery. Full article
(This article belongs to the Special Issue IMU and Innovative Sensors for Healthcare)
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27 pages, 3066 KiB  
Review
Beyond Barriers: Achieving True Equity in Cancer Care
by Zaphrirah S. Chin, Arshia Ghodrati, Milind Foulger, Lusine Demirkhanyan and Christopher S. Gondi
Curr. Oncol. 2025, 32(6), 349; https://doi.org/10.3390/curroncol32060349 - 12 Jun 2025
Viewed by 1980
Abstract
Healthcare disparities in cancer care remain pervasive, driven by intersecting socioeconomic, racial, and insurance-related inequities. These disparities manifest in various forms such as limited access to medical resources, underrepresentation in clinical trials, and worse cancer outcomes for marginalized groups, including low-income individuals, racial [...] Read more.
Healthcare disparities in cancer care remain pervasive, driven by intersecting socioeconomic, racial, and insurance-related inequities. These disparities manifest in various forms such as limited access to medical resources, underrepresentation in clinical trials, and worse cancer outcomes for marginalized groups, including low-income individuals, racial minorities, and those with inadequate insurance coverage, who face significant barriers in accessing comprehensive cancer care. This manuscript explores the multifaceted nature of these disparities, examining the roles of socioeconomic status, race, ethnicity, and insurance status in influencing cancer care access and outcomes. Historical and contemporary data highlight that minority racial status correlates with reduced clinical trial participation and increased cancer-related mortality. Barriers such as insurance coverage, health literacy, and language further hinder access to cancer treatments. Addressing these disparities requires a systemic approach that includes regulatory reforms, policy changes, educational initiatives, and innovative trial and treatment designs. This manuscript emphasizes the need for comprehensive interventions targeting biomedicine, socio-demographics, and social characteristics to mitigate these inequities. By understanding the underlying causes and implementing targeted strategies, we can work towards a more equitable healthcare system. This involves improving access to high-quality care, increasing participation in research, and addressing social determinants of health. This manuscript concludes with policy recommendations and future directions to achieve health equity in cancer care, ensuring optimal outcomes for all patients. Full article
(This article belongs to the Section Oncology Nursing)
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19 pages, 1200 KiB  
Article
Exploring Trust in Health Insurers: Insights from Enrollees’ Perceptions and Experiences
by Frank J. P. van der Hulst, Sanne Huijgen, Anne E. M. Brabers and Judith D. de Jong
J. Mark. Access Health Policy 2025, 13(2), 29; https://doi.org/10.3390/jmahp13020029 - 9 Jun 2025
Viewed by 377
Abstract
Managed competition is a key driver in healthcare systems in countries like Germany, Switzerland, and The Netherlands. Trust in health insurers is vital but currently low in The Netherlands. This may be due to perceptions regarding profit motives, negative experiences, media coverage, and [...] Read more.
Managed competition is a key driver in healthcare systems in countries like Germany, Switzerland, and The Netherlands. Trust in health insurers is vital but currently low in The Netherlands. This may be due to perceptions regarding profit motives, negative experiences, media coverage, and a lack of understanding of insurers’ roles. This study explores how enrollees perceive health insurers and how the aforementioned factors contribute to these perceptions. Semi-structured interviews were conducted with 17 participants from the Nivel Dutch Health Care Consumer Panel in March and April 2023. Data were analysed using Braun and Clarke’s six-step method for inductive thematic analysis. Participants generally view health insurers positively in terms of managing finances and ensuring care accessibility. However, some perceive insurers as profit-driven and prioritising cost reduction over individual needs, leading to dissatisfaction. Negative experiences and media coverage also shape these perceptions. Participants believe that insurers should ensure care accessibility and quality, distribute costs fairly, provide guidance, and prioritise preventive measures. To foster trust, insurers should communicate their non-profit status and use of benefits, increase transparency in purchasing decisions, and maintain clear communication about payment obligations. Enhancing communication about their contributions to healthcare and raising awareness of their broader roles may also help build trust. Full article
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11 pages, 279 KiB  
Article
The Impact of Long-Term Care Insurance for Older Adults: Evidence of Crowding-In Effects
by Hyeri Shin
Healthcare 2025, 13(12), 1357; https://doi.org/10.3390/healthcare13121357 - 6 Jun 2025
Viewed by 437
Abstract
Objectives: This study investigates the presence of crowding-in or crowding-out effects of long-term care insurance (LTCI) on older adults’ care in Korea. Additionally, it examines the influence of old-age income security and private systems, including private transfer income and private health insurance, on [...] Read more.
Objectives: This study investigates the presence of crowding-in or crowding-out effects of long-term care insurance (LTCI) on older adults’ care in Korea. Additionally, it examines the influence of old-age income security and private systems, including private transfer income and private health insurance, on these effects. The analysis focuses on three aspects: family-provided care, private non-family care, and total care expenses. Methods: This study conducted logistic and linear regression. Logistic regression was used to examine the likelihood of receiving family-provided and private non-family care, while linear regression analyzed factors associated with total care expenditures. Results: The results reveal a crowding-in effect for family care, as greater utilization of public LTCI is positively associated with family-provided care. However, the relationship between public LTCI and private non-family care was not statistically significant, suggesting that the crowding-in effect on private care systems remains limited. Lastly, LTCI utilization was significantly associated with higher care expenditures. It is noteworthy that the current public LTCI in Korea has low coverage, resulting in insufficient care provision. Consequently, there is growing activity in the private care sector. Conclusions: These findings highlight the need for a more integrated approach to long-term care in Korea, balancing public, private, and family care resources. To achieve quality integrated long-term care for older people, policymakers should focus on expanding public LTCI coverage while fostering coordination between family caregivers and professional care services, ensuring a comprehensive and high-quality care system that meets the diverse needs of Korea’s aging population. Full article
(This article belongs to the Special Issue Quality Integrated Long-Term Care for Older People)
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10 pages, 212 KiB  
Article
Impact of Cardiopulmonary Rehabilitation on Patients with Heart Failure Reduced Ejection Fraction and Preserved Ejection Fraction
by Sabine Gempel, Jenna Kologie, Taylor Wright, Destini Decinti and Lawrence Cahalin
J. Clin. Med. 2025, 14(11), 3815; https://doi.org/10.3390/jcm14113815 - 29 May 2025
Viewed by 645
Abstract
Background/Objectives: The prevalence of heart failure with preserved ejection fraction (HFpEF) is expected to surpass that of heart failure with reduced ejection fraction (HFrEF), yet it remains under-researched. Compared to HFrEF, patients with HFpEF have similarly poor survival rates, physical impairments, and [...] Read more.
Background/Objectives: The prevalence of heart failure with preserved ejection fraction (HFpEF) is expected to surpass that of heart failure with reduced ejection fraction (HFrEF), yet it remains under-researched. Compared to HFrEF, patients with HFpEF have similarly poor survival rates, physical impairments, and quality of life (QOL) and similar improvements following exercise training. However, Medicare currently excludes coverage for cardiopulmonary rehabilitation (CR) for HFpEF. The purpose of this study was to evaluate the impact of HF at baseline and the effects of CR in both subtypes. Methods: Ninety-nine patients (forty-three with HFrEF and fifty-six with HFpEF) who completed CR were included. Demographic data and outcome measures were assessed pre- and post-CR, including weight, body mass index (BMI), 5x-sit-to-stand (5xStS), timed-up-and-go (TUG), 6-minute walk test (6MWT), Ferrans and Powers Quality of Life (F&P QOL), waist circumference, BERG balance, and Patient Health Questionnaire-9 (PHQ-9). Independent and paired t-tests were performed with statistical significance set at p < 0.05. Results: At baseline, compared to patients with HFrEF, patients with HFpEF were older with a significantly lower 6MWT distance (350.6 m vs. 299.6 m), lower BERG balance scores (52/56 vs. 49/56, respectively), and a 5xSTS score indicating a fall risk (16.9 ± 6.5). Following CR, both groups had significant improvements in all functional and self-reported outcome measures (p < 0.001), with no significant differences between HF subtypes. Patients with HFpEF also had a significant improvement in waist circumference. Conclusions: Compared to patients with HFrEF, patients with HFpEF presented with similar or greater impairments and had similar or greater improvements following CR. These results underscore the effectiveness of CR for HFpEF management and the need for insurance coverage. Full article
(This article belongs to the Special Issue Cardiac Rehabilitation: Clinical Challenges and New Insights)
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21 pages, 296 KiB  
Article
‘Okay, but Which One Is Your Mom?’ Experiences of Lesbian-Parent Families and Assisted Reproduction Techniques
by Daniel Lagos-Cerón, Rodolfo Morrison, Francisca Fuentes-Pizarro, Laura Matthey-Ramírez, Antonia Paredero-Hidalgo, Fernanda Pérez-Ruiz and Cleber Tiago Cirineu
Societies 2025, 15(6), 146; https://doi.org/10.3390/soc15060146 - 26 May 2025
Viewed by 897
Abstract
In Chile, lesbian-parent families have faced legal and social advancements as well as challenges, generating new dynamics through assisted reproduction. The reproductive justice framework allows for an analysis of the inequities and injustices experienced by LGBTIQA+ people in relation to their reproductive rights. [...] Read more.
In Chile, lesbian-parent families have faced legal and social advancements as well as challenges, generating new dynamics through assisted reproduction. The reproductive justice framework allows for an analysis of the inequities and injustices experienced by LGBTIQA+ people in relation to their reproductive rights. Objective: To analyze the narratives of lesbian-parent families who have accessed parenthood through assisted reproduction techniques within the Chilean healthcare system, identifying barriers and facilitators in the process, as well as possible instances of discrimination. Methodology: This research adopted a qualitative approach with a descriptive scope and was based on a constructivist paradigm, utilizing a narrative design and analysis. Four lesbian-parent families participated, selected through purposive or convenience sampling. Results: The findings revealed that the main barriers were related to health insurance coverage and social and geographical factors. Among the key facilitators were support networks, educational level, and healthcare professionals’ guidance. Discussion: The study highlighted the presence of inequalities affecting the exercise of parenthood and the right to form a family, shaped by institutional and social barriers from a reproductive justice framework. Conclusions: The study underscores the need to advance inclusive public policies and systemic changes that recognize and protect family diversity in Chile. Furthermore, it highlights the role of narratives as a tool to make visible and challenge the inequalities surrounding lesbian parenthood. Full article
17 pages, 596 KiB  
Article
The Relationships Between Healthcare Access, Gender, and Psychedelics and Their Effects on Distress
by Sean Matthew Viña
Healthcare 2025, 13(10), 1158; https://doi.org/10.3390/healthcare13101158 - 16 May 2025
Viewed by 608
Abstract
Background: Structural inequalities in healthcare access may influence how individuals experience the psychological effects of psychedelic substances, potentially limiting positive outcomes among vulnerable populations. Objectives: This study uses data from the National Survey on Drug Use and Health (2008–2019; N = [...] Read more.
Background: Structural inequalities in healthcare access may influence how individuals experience the psychological effects of psychedelic substances, potentially limiting positive outcomes among vulnerable populations. Objectives: This study uses data from the National Survey on Drug Use and Health (2008–2019; N = 484,732) to examine how public and private health insurance moderate the association between psychedelic use and psychological distress. Methods: Ordinary least squares (OLS) regression models indicate that private health insurance is associated with lower psychological distress, while public insurance is associated with higher distress. Results: Psychedelic use moderates these associations, reinforcing the protective pattern linked to private insurance and intensifying distress among those with public coverage. These patterns vary by gender: among men, psychedelic use does not significantly alter the association between insurance type and distress; among women, however, psilocybin and lysergic acid diethylamide (LSD) use are associated with lower distress among those with private insurance, but with higher distress among those with public insurance. Conclusions: These findings indicate that while psychedelics may interact with existing healthcare conditions, they do not mitigate structural inequalities and may, in some cases, exacerbate them. Full article
(This article belongs to the Section Women's Health Care)
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29 pages, 982 KiB  
Article
Exploring the Gender Preferences for Healthcare Providers and Their Influence on Patient Satisfaction
by Felician Andrew Kitole, Zaiba Ali, Jiayi Song, Muhammad Ali, Mochammad Fahlevi, Mohammed Aljuaid, Petra Heidler, Muhammad Ali Yahya and Muhammad Shahid
Healthcare 2025, 13(9), 1063; https://doi.org/10.3390/healthcare13091063 - 5 May 2025
Viewed by 1264
Abstract
Background: Patient satisfaction is a key indicator for improving healthcare delivery, yet the influence of gender preferences on healthcare providers remains underexplored. Cultural norms and gender perceptions often shape the patient preferences, affecting access to care, patient–provider relationships, and overall satisfaction. Thus, this [...] Read more.
Background: Patient satisfaction is a key indicator for improving healthcare delivery, yet the influence of gender preferences on healthcare providers remains underexplored. Cultural norms and gender perceptions often shape the patient preferences, affecting access to care, patient–provider relationships, and overall satisfaction. Thus, this study investigates the patients’ gender preferences and their impact on satisfaction in Tanzania. Methods: The study utilized a cross-sectional design, collecting data from five health centres: Mikongeni, Konga, Mzumbe, Tangeni, and Mlali. A total of 240 randomly selected respondents participated in the study. Gender preferences were categorized as male, female, and both, and determinants were analyzed using a multivariate probit model (MPM), while satisfaction was analyzed using an ordered logit model (OLM). Results: Results reveal that female providers were preferred for empathy (58.30%), intimate care (50.00%), and receptionist roles (50.00%), while males were favored for surgery (50.00%), professionalism (0.86), and IT roles (41.70%). Professionalism (0.75) and communication (0.70) had the strongest positive effects on very high satisfaction. Male provider preference was strongly linked to higher satisfaction (0.84), while female preference showed a mild effect (0.23). Insurance (0.32) and care at Tangeni Health Centre (0.70) boosted satisfaction, while consultation fees (−0.26) reduced it. Conclusions: The study recommends that healthcare systems address gender stereotypes by equipping all providers with both technical and relational care skills, regardless of gender. It also highlights the need for culturally and religiously sensitive care practices that acknowledge how societal norms shape patient preferences and satisfaction. To enhance patient-centered care, policies should promote affordability, broaden insurance coverage, and integrate patient feedback on gender preferences into healthcare delivery models. Full article
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14 pages, 927 KiB  
Article
Socioeconomic Status and Vascular Access Patency in Hemodialysis: Analysis of Korean National Health Insurance Service Data from 2008 to 2019
by Jeong-Ik Park, Daehwan Kim, Hyangkyoung Kim, Seung Boo Yang, Sang Jun Park and Young-joo Kwon
J. Clin. Med. 2025, 14(9), 3074; https://doi.org/10.3390/jcm14093074 - 29 Apr 2025
Viewed by 506
Abstract
Background: Socioeconomic status (SES) disparities impact health outcomes, but their effect on vascular access (VA) in hemodialysis patients in Korea remains underexplored. Methods: This study evaluated the association between SES and VA outcomes using National Health Insurance Service data from 2008 [...] Read more.
Background: Socioeconomic status (SES) disparities impact health outcomes, but their effect on vascular access (VA) in hemodialysis patients in Korea remains underexplored. Methods: This study evaluated the association between SES and VA outcomes using National Health Insurance Service data from 2008 to 2019. Incident hemodialysis patients were categorized by insurance status into the health insurance group (HG) and medical aid group (MG). The primary endpoint was VA patency, and the secondary endpoint was all-cause mortality, adjusted for demographics, comorbidities, and lifestyle factors. Results: Among 86,036 patients, the MG (12.1%) was younger at VA creation (60.4 ± 13.5 vs. 63.1 ± 13.6 years, p < 0.001) and had higher rates of comorbidities (all p < 0.05 except cancer). Mortality rates per 100 person-years were higher in the MG (11.66 vs. 9.24 for AVF; 17.94 vs. 16.92 for AVG), as was the total procedure frequency (2.10 vs. 1.87, p < 0.001), despite similar percutaneous angioplasty counts (1.20 vs. 1.24, p = 0.314). Conclusions: Lower SES patients exhibited poorer VA patency and higher mortality rates despite equitable healthcare access and cost coverage in Korea. These findings suggest that non-medical factors, such as adherence to treatment and timely intervention, play a critical role in mitigating these disparities. Full article
(This article belongs to the Section Nephrology & Urology)
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28 pages, 2632 KiB  
Article
A Neural Network Approach for Pricing Correlated Health Risks
by Alessandro G. Laporta, Susanna Levantesi and Lea Petrella
Risks 2025, 13(5), 82; https://doi.org/10.3390/risks13050082 - 24 Apr 2025
Viewed by 771
Abstract
In recent years, the actuarial literature involving machine learning in insurance pricing has flourished. However, most actuarial machine learning research focuses on property and casualty insurance, while using such techniques in health insurance is yet to be explored. In this paper, we discuss [...] Read more.
In recent years, the actuarial literature involving machine learning in insurance pricing has flourished. However, most actuarial machine learning research focuses on property and casualty insurance, while using such techniques in health insurance is yet to be explored. In this paper, we discuss the use of neural networks to set the price of health insurance coverage following the structure of a classical frequency-severity model. In particular, we propose negative multinomial neural networks to jointly model the frequency of possibly correlated medical claims and Gamma neural networks to estimate the expected claim severity. Using a case study based on real-world health insurance data, we highlight the overall better performance of the neural network models with respect to more established regression models, both in terms of accuracy (frequency models achieve an average out-of-sample deviance of 8.54 compared to 8.61 for classical regressions) and risk diversification, as indicated by the ABC lift metric, which is 5.62×103 for neural networks versus 8.27×103 for traditional models. Full article
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25 pages, 563 KiB  
Article
Effect of COVID-19 on Catastrophic Medical Spending and Forgone Care in Nigeria
by Henry Chukwuemeka Edeh, Alexander Uchenna Nnamani and Jane Oluchukwu Ozor
Economies 2025, 13(5), 116; https://doi.org/10.3390/economies13050116 - 22 Apr 2025
Viewed by 608
Abstract
In this study, we provide the first estimates of the effect of COVID-19 (COVID-19 legal restrictions) on catastrophic medical expenditure and forgone medical care in Africa. Data for this study were drawn from the 2018/19 Nigeria General Household Survey (NGHS) panel and the [...] Read more.
In this study, we provide the first estimates of the effect of COVID-19 (COVID-19 legal restrictions) on catastrophic medical expenditure and forgone medical care in Africa. Data for this study were drawn from the 2018/19 Nigeria General Household Survey (NGHS) panel and the 2020/21 Nigeria COVID-19 National Longitudinal Phone Survey panel (COVID-19 NLPS). The 2020/21 COVID-19 panel survey sample was drawn from the 2018/19 NGHS panel sample monitoring the same households. Hence, we leveraged a rich set of pre-COVID-19 and COVID-19 panel household surveys that can be merged to track the effect of the pandemic on welfare outcomes. We found that the COVID-19 legal restrictions decreased catastrophic medical expenditure (measured by out-of-pocket (OOP) expenditures exceeding 10% of total household expenditure). However, the COVID-19 legal restrictions increased the incidences of forgone medical care. The results showed a consistent positive effect on forgone medical care across waves one and two, corresponding to full and partial implementation of COVID-19 legal restrictions, respectively. However, the negative effect on catastrophic medical spending was only observed when the COVID-19 legal restrictions were fully in force, but the sign reversed when the restriction enforcement became partial. Moreover, our panel regression analyses revealed that having health insurance is associated with a reduced probability of incurring CHE and forgoing medical care relative to having no health insurance. We suggest that better policy design in terms of expanding the depth and coverage of health insurance will broaden access to quality healthcare services during and beyond the pandemic periods. Full article
(This article belongs to the Special Issue Human Capital Development in Africa)
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