Gens420

Chapter 1

The access to health care and health insurance is impossible or non reachable for individuals with disabilities. There is a large financial barrier that needs to be broken before any thing else can take into effect. There are assortments of obstacles that need to be passed before people with disabilities can get any sort of health care. These obstacles limit the accessibility for individuals with disabilities.

One of the key points states "People with disabilities are significantly less likely than their non-disabled counterparts to be satisfied with the quality of the health care they receive" (page 4). Individuals with disabilities often feel as if their needs have not been completely met after leaving their health care provider. Most of them feel as if the procedures done on them were not as comprehensive because of their disability. Most health care providers will not perform any procedures that are not covered by their patients insurance or if the patient refuses to pay out of their own pocket. Most patients refuse to pay out of their own pocket because they simply do not have the money. If they had the money, they would not be on Medicaid or Medicare. Therefore, individuals with disabilities have a greater risk of not receiving full health services because the equipments that are need are too expensive and less likely to be used on an individual without a disability. Medicaid is the most common health insurance that covers individuals with disabilities. Although it is government own, they have strict rules that need to be followed by the providers. Working with on an individual with a disability requires more patience than an individual without a disability. Most providers believe that the time spent working with an individual that has Medicaid or Medicare is not worth getting paid for the procedure that Medicaid or Medicare only gives $30 for virus a different non-government owned insurance that pays for the procedure quadruple the price of what Medicaid or Medicare pays. As a result, providers often treat patients with a disability as inconvenient (page 5). The providers feel as if they need to get paid more for Medicaid because they work harder and longer on patients with a disability. If Medicaid or Medicare made it a lot easier to get paid and gave more money to the provider that is doing the procedure then the provider will lean towards making their patients happier and as a result individuals with disabilities will be more satisfied.

A second key point is "People with disabilities are less likely to be covered by private insurance and more likely to be covered under public programs, than their counterparts without disabilities" (page 4). Private insurances do not like to be liable for an individual that has a disability; therefore the individual is usually covered under Medicaid or Medicare. Most insurance, like all companies, like to make money not give money. Private insurance companies want to exclude people with disabilities or charge high cost rates (page 6). They would rather collect money