Health Insurance Literacy of Older Adults

McCormack, Lauren; Bann, Carla; Uhrig, Jennifer; Berkman, Nancy D; Rudd, Rima E.

doi:10.1111/j.1745-6606.2009.01138.x

Cited by 85 publications

(100 citation statements)

References 20 publications

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“…– in short, the hassles that anyone who uses the U.S. health care system is familiar with, but that may loom larger for individuals with low health literacy. The relatively new concept of “health insurance literacy” (Kim, Braun, & Williams, 2013; McCormack, Bann, Uhrig, Berkman, & Rudd, 2009; Paez, Mallery, Noel, Pugliese, McSorley, Lucado, & Ganachari, 2014) encompasses both of these mechanisms. Our results suggest that lower rates of health insurance coverage are not the only reason individuals with low health literacy experience worse access, but this does not mean that health insurance is irrelevant.…”

Section: Discussionmentioning

confidence: 99%

Health Literacy and Access to Care

Levy

Janke

2016

Journal of Health Communication

249

157

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Despite well-documented links between low health literacy, low rates of health insurance coverage, and poor health outcomes, there has been almost no research on the relationship between low health literacy and self-reported access to care. This study analyzed a large, nationally representative sample of community-dwelling adults ages 50 and older to estimate the relationship between low health literacy and self-reported difficulty obtaining care. We found that individuals with low health literacy were significantly more likely than individuals with adequate health literacy to delay or forego needed care or to report difficulty finding a provider, even after controlling for other factors including health insurance coverage, employment, race/ethnicity, poverty, and general cognitive function. They were also more likely to lack a usual source of care, although this result was only marginally significant after controlling for other factors. The results show that in addition to any obstacles that low health literacy creates within the context of the clinical encounter, low health literacy also reduces the probability that people get in the door of the health care system in a timely way.

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Section: Discussionmentioning

confidence: 99%

Health Literacy and Access to Care

Levy

Janke

2016

Journal of Health Communication

249

157

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“…One review of 85 studies found that the prevalence of low and marginal health literacy among older American adults was estimated around 20% (McDougall, Mackert, & Becker, 2012). The oldest adults, those with lower education and income, and those with poorer health had lower levels of health insurance literacy (McCormack, Bann, Uhrig, Berkman, & Rudd, 2009). Health literacy is especially critical for managing medication, since adults over age 65 years use over 30% of all prescription medications (McDougall et al, 2012, p. 71).…”

Section: The Problem and Prevalence Of Low Health Literacy Among Oldementioning

confidence: 98%

Low Health Literacy and Older Adults: Meanings, Problems, and Recommendations for Social Work

Findley¹

2015

Social Work in Health Care

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Many older adults struggle to manage their health care problems. Low health literacy exacerbates such struggles and contributes to a variety of adverse health behaviors and outcomes. Addressing how health literacy impinges on the lives of older adults is a neglected area of social work practice and knowledge. This article explores seven areas: defining health literacy, the problem and prevalence of low health literacy among older adults, health inequalities and health literacy, a brief literature review, neglected issues in the literature, suggestions for macro and micro social work interventions to improve health literacy for older adult populations, and conclusion.

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“…To date, most research has focused on the association between HIL and demographics. In McCormack et al's () research on HIL in older Americans, the authors found that HIL was low to moderate in older Americans, but also found HIL to be weakest in older adults, those with lower education, lower income, and poorer health. Research by Bartholomae et al () also found HIL to be related to socio‐demographics, where consumers who earned higher incomes, were older, female, and higher educated demonstrated greater initial HIL scores compared to their counterparts (i.e., middle‐income consumers, younger, male, and lower educated).…”

Section: Conceptual Model and Hypothesesmentioning

confidence: 99%

“…To address this gap, we draw from research that examined the association of psychographics with financial literacy (e.g., O'Connor ; Perry and Morris ), the association of financial literacy with HIL (McCormack et al ), as well as research in psychology (e.g., Hoorens and Buunk ; Judge and Bono ) to identify consumer characteristics that influence a consumer's HIL. We first consider how an individual's expectations of control (i.e., LOC) are related to their HIL.…”

Section: Conceptual Model and Hypothesesmentioning

confidence: 99%

Examining Antecedents of Health Insurance Literacy: The Role of Locus of Control, Cognitive Style, and Financial Knowledge

O’Connor¹,

Kabadayi²

2019

Journal of Consumer Affairs

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Today's consumer is expected to make health‐care decisions that have serious implications for their welfare. However, a major barrier to these decisions is a basic lack of understanding of health insurance. A critical first step is to examine drivers of health insurance literacy and in turn offer interventions that can have a positive impact on consumer welfare. This article explores the relationship between relevant consumer psychographics, financial knowledge, and demographics with health insurance literacy. Results indicate that while demographics play a role, the degree to which consumers believe a situation or event is under their own control (i.e., locus of control), how they process information (i.e., cognitive style), and consumer's financial confidence (i.e., subjective knowledge) is a critical indicator of their health insurance literacy. Cluster analysis reveals three “faces” of health insurance literacy.

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Health Insurance Literacy of Older Adults

Cited by 85 publications

References 20 publications

Health Literacy and Access to Care

Health Literacy and Access to Care

Low Health Literacy and Older Adults: Meanings, Problems, and Recommendations for Social Work

Examining Antecedents of Health Insurance Literacy: The Role of Locus of Control, Cognitive Style, and Financial Knowledge

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