Journal List > J Korean Acad Nurs Adm > v.17(2) > 1051582

Choi, Lee, and Yim: Factors Affecting Perceived Financial Burden of Medical Expenditures

Abstract

Purpose

This study was done to investigate factors affecting perceived financial burden of medical expenditures.

Method

The participants were 2,024 inpatients who were enrolled in a survey on the benefit coverage rate of the National Health Insurance in 2006. The collected data were analyzed using t-test, ANOVA-test, Mann-Whitney-test, Kruskal-Wallis-test, Chi-square test and logistic regression.

Results

The crucial factors for perceived financial burden were age, job, equivalence scale, ratio of annual family income vs medical expenditure, and private health insurance. Perceived financial burden was higher for people who were older, who were unemployed, whose medical expenditures were high compared to annual family income, whose index of family equalization was low and for those who had no private health insurance.

Conclusion

The results of the study indicate a demand for system reform that will enable management of no-pay hospital bills in the National Health Insurance to decrease the medical expense of people in the low-income bracket.

Figures and Tables

Table 1
Medical expenditures by demographic and social characteristics n=2,024
jkana-17-147-i001

: ANOVA Scheffe test

Table 2
Perceived financial burden for medical expenditures n=2,024
jkana-17-147-i002
Table 3
Differences in perceived financial burden n=2,024
jkana-17-147-i003
Table 4
Factors affecting on perceived financial burden by logistic regression n=2,024
jkana-17-147-i004

*p< 0.05, **p<0.001

Multiple logistic regression : independent variable-age, education, job, equivalence scale, ratio annual family income vs medical expenditure, private health insurance

Table 5
Addition: Ratio Annual Family Income vs Medical Expenditures by Equivalence Scale n=2,024
jkana-17-147-i005

References

1. Arredondo A, Najera P. Who pays more for health services in middle-income countries: lessons from Mexico. Public Health. 2005. 119(2):150–152.
crossref
2. Choi KC, Lee HY, Lee SM. Survey on the benefit coverage rate of National Health Insurance in 2008. 2009. Seoul: National Health Institute Corporation.
3. Choi YS, Kim JH, Lee HY, Han SK. Survey on the benefit coverage rate of National Health Insurance in 2006. 2007. Seoul: National Health Institute Corporation.
4. Cho YS, Won JU, Yoon JD. Analysis on the out-of-pocket money of a university inpatients compensated by Workers' Compensation Insurance. Korean Soc Secur Stud. 2009. 25(1):93–120.
5. Do YK. Difference of the medical cost of the individual families. 2007. Seoul: Korea Labor Institute.
6. Doorslaer E, O'Donnell O, Rannan-Eliya RP, Somanathan A, Adhikari SR, Garg CC, et al. Effect of payments for health care on poverty estimates in 11 countries in Asia: an analysis of household survey data. Lancet. 2006. 368(9544):1357–1364.
crossref
7. Hur SL, Choi SJ. Medical use according to the standard of income. 2006. Seoul: Korea Labor Institute.
8. Jeong HS, Lee KS, Shin EC. Study on the basic pay territory for a National Health Insurance. 2004. Seoul: National Health Insurance Corporation.
9. Jeong HS, Lee KS, Shin HK. Research of basic salary to substantialize the National Health Insurance. 2004. Seoul: National Health Institute Corporation.
10. Jeong KH, Jo AJ, Oh YH, Byun JK, Byun YC, Moon HS. Research of welfare and the whole country senior citizen's living reality of year of 1998. 1998. Seoul: Korea Institute for Health and Social Affairs.
11. Jeong KH, Oh YH, Seok JE, Do SR, Kim CY, Lee YK, et al. Research of welfare and the whole country senior citizen's living reality of year of 2004. 2005. Seoul: Korea Institute for Health and Social Affairs.
12. Kim JH, Jeong JC. Survey on the benefit coverage rate of National Health Insurance. Health Insur Forum. 2005. 4(1):74–88.
13. Kim JY, Jo HS. Analysis of important disease with social-economical difference. 2003. Seoul: Korea Institute for Health and Social Affairs.
14. Kim MH, Kim SH. A Study on factors causing the burden of medical expenses to the elderly with chronic disease. Korean J Soc Welf. 2002. 48:150–178.
15. Kim HJ. How much should the poor pay for their health care services under the National Health Insurance System? Korean J Soc Welf. 2004. 56(3):113–133.
16. Kwon SM. Payment system reform for health care providers in Korea. Health Policy Plan. 2003. 18(1):84–92.
crossref
17. Kwon SM, Yang BM, Lee TJ, Oh JW, Lee SH. Equity in health care utilization in Korea. Bogeongyeongjeyeongu. 2003. 9(2):13–24.
18. Lee CH, Kim WJ. Some part of the National Health Insurance's behavior to the private health insurance and political implications. 2007. Pusan: Inje University.
19. Lee HS. A study on factors causing health conditions and the burden of medical expenses to the elderly. J Korea Gerontol Soc. 2004. 24(2):163–179.
20. Lee SM. A difference in utilization of inpatient services by income class of residents. 1996. Seoul: Seoul National University of Korea;Unpublished master's thesis.
21. Organization for Economic Co-operation and Development. OECD Health Data 2008. 2009. Paris: Organization for Economic Co-operation and Development.
22. O'Hara B. Do medical out-of-pocket expenses thrust families into poverty? J Health Care Poor Underserved. 2004. 15(1):63–75.
23. Ruger JP, Kim HJ. Out-of-pocket healthcare spending by the poor and chronically Ill in the republic of Korea. Am J Public Health. 2007. 97(5):804–812.
crossref
24. Youn HY, Lim BI. A Study on medical expenses by old-aged families based on two characteristics of medical service. Public Finance Rev. 2009. 2(4):119–156.
25. Wagstaff A, van Doorslaer E. Catastrophe and impoverishment in paying for health care with applications to Vietnam 1993-1998. Health Econ. 2003. 12(11):921–934.
crossref
26. Wagstaff A. Health systems in East Asia: what can developing countries learn from Japan and the Asian Tigers? Health Econ. 2007. 16(5):441–456.
crossref
27. Wyszewianski L. Families with catastrophic health care expenditures. Health Serv Res. 1986. 21(5):617–634.
TOOLS
Similar articles