University of Minnesota Medical School researchers seeks to identify the relationship between insurance coverage and the mortality rate of patients transferred between hospitals.

Recently published in the Journal of General Internal MedicineInsurance Coverage Predicts Mortality in Patients Transferred Between Hospitals: a Cross-Sectional Study, found that patients without insurance are more likely to be transferred earlier in the process, more frequently from the emergency department, and had higher mortality.

The study highlights the fact that while federal law prohibits unsafe transfers for financial reasons, the transfer of uninsured patients remains common and risky. There are several possible reasons for these findings.

Insurance Coverage On Transferred Patients

"It could be that patients without insurance are presented late in their course of illness, and are more likely to have an emergent condition," explained Michael Usher, MD, Ph.D., Assistant Professor of Medicine in the Division of General Internal Medicine, University of Minnesota Medical School.

"Alternatively, it could be that the hospital does their initial mandated triage exam, identifies an emergent condition and transfers them for economic reasons," explained Usher.

This study suggests that the Emergency Medical Treatment and Labor Act is not sufficient to protect uninsured patients since it does not address the underlying problem.

Furthermore, the study demonstrates an important way that reducing the rate of uninsured has the potential to reduce total healthcare costs and improve patient safety: by reducing the need to transfer patients.

"This highlights the fact that having uninsured patients just does not make sense: the cost of care remains even if it gets pushed around, and uninsured patients experience real harm," said Usher.

Dr. Usher's hope is that these findings will produce results that lower risk factors for patients and provide equitable health coverage for all. Moving forward, Dr. Usher hopes to continue to work on improving the safety of transfers as well as focus on the impact of fragmentation of these vulnerable patients.

The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.