Insurance Awareness and Usage in the Narcoms Registry
Objectives: To describe the awareness and usage of health and additional non-health insurance types in the NARCOMS registry.
Methods: Online respondents to NARCOMS the Fall 2015 Update survey as of November 20, 2015, that answered if they had (Yes/No) health insurance (HI), and were aware (Yes/No) of short-term disability (STD), long-term disability (LTD), long-term care (LTC), and life insurance (LI).
Results: Of the 4929 participants who completed the Fall 2015 survey, 4792 (97.2%) provided some insurance information: 76.4% female, mean(SD) age of 56.2 (10.9) years, 61.8% currently married, and 90.5% Caucasian. Nearly all participants reporting having HI (99.2%), 88.5% for the entire prior 6 months, 63.1% with Private insurance, and 12.8% with supplemental insurance. The majority (94.1%) have heard of at least one of the types of additional insurance, with 86.6% having heard of STD, 92.1% LTD, 87.0% LTC, and 97.0% LI. Of those that have heard of the other insurance types, 15.8% currently have STD, 32.1% LTD, 11.4% LTC, and 60.9% LI; with 9.1% planning on getting STD, 20.4% LTD, 11.4% LTC, and 31.8% LI. 76.7% of all respondents have applied for LI and 20.1% of those have been denied; 48.2% applied for LTD, 21.6% have been denied; 41.4% applied for STD, 15.6% denied; 30.1% applied LTC, 49.8% denied. Of all respondents, 13.5% have
Conclusions: The majority of respondents have health insurance and are aware of additional types of insurance. While many have life insurance, only a small percentage currently have an additional type of insurance that would provide assistance in a short- or long-term situation due to disability. The Fall 2015 Update will continue data collection through December 2015.