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    Oklahoma Health Care Reform and High-Risk Pool
    Oklahoma Health Care Reform and High-Risk Pool
    Oklahoma Health Care Reform and High-Risk Pool
    Ebook92 pages44 minutes

    Oklahoma Health Care Reform and High-Risk Pool

    By Michael Lustig

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    About this ebook

    Oklahoma Health Care Reform and High Risk Pool provides an overview of health care reform, its social and economic characteristics, covering all the changes in the state of Oklahoma. This book discusses cost management provisions and covers limitations of drug addiction, mental condition as well as alcoholism and its coverage. Major subjects covered include: public health status indicators, Oklahoma's uninsured population, health care reform in Oklahoma, the Health Insurance Portability and Accountability Act, and the High Risk Pool.

    LanguageEnglish
    PublisherMichael Lustig
    Release dateAug 8, 2011
    ISBN9781933891729
    Oklahoma Health Care Reform and High-Risk Pool
    Author

    Michael Lustig

    Michael Lustig is a graduate of the University of San Diego, California and a former Professor at California State University at Pomona and Immaculate Heart College (Los Angeles). He has been a California Real Estate Broker and the Owner and President of Real Estate License Services, a California real estate and insurance licence school, since 1978, offering state-approved license courses in 47 states and the District of Columbia. He is the author of 35 books on real estate and insurance topics.

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      Book preview

      Oklahoma Health Care Reform and High-Risk Pool - Michael Lustig

      Oklahoma Health Care Reform & High Risk Pool

      C. E. CREDITS

      CAL-STATE EXAMS

      5059 Newport Avenue, #209

      San Diego, CA 92107

      Telephone: (619) 222-2425

      Smashwords Edition

      Copyright © 2009 REAL ESTATE LICENSE SERVICES, INC. Copyright registered. All rights reserved. No part of this material may be reprinted, reproduced, transmitted, stored in a retrieval system, placed in a computer or on the Internet, or otherwise utilized, in any form or by any means electronic or mechanical, including photocopying or recording, now existing or hereinafter invented, nor may any part of this course be used for teaching without permission from the copyright holder. C. E. CREDITS and CAL-STATE EXAMS are divisions of REAL ESTATE LICENSE SERVICES, INC., holder of the registered copyright.

      TABLE OF CONTENTS

      1. Background

      2. Social-Demographic-Economic Characteristics

      3. Public Health Status Indicators

      4. Oklahoma's Medically Uninsured

      5. Health Care Reform

      6. Oklahoma Health Care Reform

      7. Health Insurance Portability & Accountability Act

      8. What Does This Mean For States

      9. The High Risk Pool

      10. Bibliography

      11. Figures 1 - 18

      12. Definitions

      13. Appendix

      a. Oklahoma Statutes

      b. Oklahoma Health Insurance High Risk Pool Individual Contract

      1. Background

      Oklahoma is located in the heartland of the United States, and is home to sixty different groups of Native Americans. The state motto is labor conquers all things which helps explain the state's implementation of many health care reforms for the state's citizens. Before exploring Oklahoma's health care reforms, an understanding is needed of the state's social, demographic and economic characteristics and the impacts they have on Oklahomans' health and health care.

      2. Social-Demographic-Economic Characteristics

      Overall, Oklahoma has an older population. In 1995, the median age of Oklahomans was 34.6 compared to 34.3 for the U.S. (Figure 1). The proportion of the population in Oklahoma 85 years and over is greater (1.60%) than the U.S. proportion (1.38%) (Figure 2). Between 1990 and 1995, this group increased from 45,000 to over 52,000. In the future, the proportion of Oklahoma's population will be increasingly older and Oklahoma will see increased demands on services for the elderly as we enter the 21 st century.

      Other distinctive characteristics of Oklahoma's population include its racial and ethnic breakdown, the percentage of the population living in rural areas, and the percentage of the population with incomes below the poverty level. Oklahoma's Native American population is 8.1 % of the total, the highest percentage of any other state in the continental United States. African Americans comprise 7.7% of our population; Hispanics, 3.1 %; and Asian & Pacific Islanders, 1.3%. Larger numbers of Hispanic people are migrating into the state (Figure 3). Oklahoma will need to anticipate these changes and be prepared to meet the health needs of different ethnic and racial groups.

      More than 32% of Oklahomans live in rural areas compared to 24.8% for the U.S. (Figure 4). Available health care services tend to be clustered in urban areas. Some rural counties in Oklahoma do not have doctors who deliver babies or hospitals that allow deliveries. One of the state's challenges is access to quality health care services for all Oklahomans, including the large percentage of Oklahoma's population that live in rural areas.

      Per capita personal income for Oklahomans is $18,580 versus $23,208 for the U.S. This is about 80% of the U.S. average. For each age group, Oklahoma has a higher percentage of people in poverty compared to the U.S. (Figure 5). In 1990, the percentage of Oklahomans whose 1989 income was less than 100% of the poverty level was 16.2% (Figure 6). By 1995, this percentage had increased to 17.1 %, while the U.S. percentage had increased to 13.8%. Also, the percentage of those whose 1989

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