Navigating Health Care Access for Rural Residents in the US
Quality Verified
Updated: November 22, 2023
Quality Verified
Updated: November 22, 2023
Advertising & Editorial Disclosure
Rural America is home to 14% of the U.S. population; as of July 2021 it grapples with various health care challenges, such as lack of access, higher uninsured rates than urban areas, hospital closures and a shortage of medical professionals.
Innovative solutions, like telehealth and mobile clinics, are bridging some gaps. Supportive financial and health programs and federally qualified health centers also provide assistance. Rural residents should prioritize health insurance literacy and establish emergency medical funds for effective health care management.
Health Care Quality and Disparities in Rural Areas
Rural Americans often experience health care differently from their urban counterparts. Challenges such as health care worker shortages, higher chronic illness rates and socioeconomic factors contribute to a complex health profile in rural areas. Let's explore the specific health care challenges prevalent in rural America.
Innovative Solutions and Best Practices
Innovative approaches — such as telehealth, community-driven initiatives, collaborative care models and mobile health units — are helping transform rural health care, bridge gaps and overcome traditional barriers to access and quality.
Telehealth
The adoption of telehealth offers a lifeline to those in remote locations. Videoconferencing and cloud-based systems allow local physicians to conduct remote consultations and treat patients. Virtual consultations eliminate distance, reduce travel burdens and provide timely care. Although challenges like reliable internet access and technology adaptability persist, telehealth is a pivotal advancement in rural health care delivery.
- Test Your Tech: Ensure your devices and internet connection are telehealth-ready before appointments.
- Prepare Questions: Write down symptoms and questions to maximize your virtual visit.
- Privacy Matters: Choose a private, quiet space for your telehealth sessions to maintain confidentiality.
Community Initiatives
Local efforts like health education workshops and the appointment of health ambassadors foster a proactive approach to wellness. For instance, the Community Health Worker model in Texas leverages trusted community members to bridge the gap between health care providers and rural populations. The Delta Health Alliance's Indianola Promise Community in Mississippi integrates health education into every aspect of community life. These initiatives help raise health literacy and empower residents to take charge of their health.
- Get Involved: Join local health initiatives or start one to address specific community needs.
- Spread the Word: Share information about health workshops and programs with neighbors and friends.
- Become a Health Ambassador: Volunteer to be a health ambassador to increase health literacy in your community.
Collaborative Models
Partnerships between rural and urban health care systems are essential for bridging the service gap in remote areas – from shared resources and expertise to joint training programs. For example, the University of Mississippi Medical Center (UMMC) has established a telehealth network that connects rural hospitals to its specialists, providing support in emergency care and other medical services. The Pennsylvania Rural Health Model transitions hospitals from traditional fee-for-service to a global budget, focusing on preventive care and the overall health needs of the community. These models demonstrate the potential for urban-rural partnerships to enhance health care delivery and outcomes in rural settings.
- Connect With Networks: Reach out to health care networks that partner with rural communities for better access to care.
- Seek Specialized Services: Inquire about telehealth services for specialized care that may not be available locally.
- Advocate for Partnerships: Encourage local health care providers to partner with urban centers for expanded services.
Mobile Health Units
Mobile health units help bring medical services directly to rural residents, offering screenings, vaccinations and routine check-ups for preventive care and chronic disease management. They reduce the need for long-distance travel and help provide a more accessible rural health care system. For example, the Mobile Health Clinics Association dispatches a fleet of mobile units to underserved rural communities, providing essential services such as primary care and health education.
- Track the Schedule: Stay informed about the scheduled visit of mobile health units in your area.
- Utilize All Services: Take advantage of the screenings, vaccinations and check-ups offered.
- Provide Feedback: Share your experience to help improve mobile health services for your community.
Subsidized Health Programs for Rural Residents
For rural residents seeking support, various government-subsidized health programs are available to help manage health care costs and access services. These initiatives can help you secure the necessary aid for both immediate and long-term health needs.
Financial Planning for Health Care
Start with a thorough understanding of health insurance and the associated costs, and select the right coverage to lay the foundation for sound financial health management. From there, leverage tax-advantaged savings accounts and establish an emergency fund to ensure preparedness for routine and unexpected medical expenses.
Enhance Your Health Insurance Literacy
Begin with understanding health insurance and its benefits. Utilize community programs to increase your knowledge and ensure your coverage meets your current health care needs. You may use MoneyGeek’s online resources and tools to stay informed about health insurance:
Understand Health Care Costs
Before choosing a health insurance plan, consider all costs involved, including premiums, deductibles, out-of-pocket maximums and in-network provider coverage. For example, lower premiums generally come with higher out-of-pocket costs. A thorough understanding of costs can help you avoid unexpected expenses and make informed decisions, especially in rural areas with limited provider options. Read MoneyGeek’s resources to understand the full cost of health insurance and health care:
Choose the Right Insurance Plan
Compare plans or consider government programs like Medicaid or Medicare if you qualify. Weigh monthly premiums against out-of-pocket costs. Reassess your plan annually as your health care requirements and financial situation may evolve. Evaluate your options using MoneyGeek’s health insurance tools and resources:
Set Up Health Savings and Spending Accounts
Consider setting up Health Savings Accounts (HSA) or Flexible Spending Accounts (FSA). These accounts allow you to allocate funds for medical expenses on a pre-tax basis and are particularly advantageous for those with high-deductible health plans.
Establish an Emergency Medical Fund
Build an emergency fund to prepare for unforeseen health care expenses and ensure access to necessary medical care without the burden of immediate financial worry.
Resources for Rural Residents
MoneyGeek has compiled a selection of helpful resources for rural Americans, offering support and information to improve access to health care and community services.
Rural Health Information Hub (RHIhub). A national clearinghouse on rural health issues, providing resources, information and opportunities to assist the population with health and health care in rural areas.
National Rural Health Association (NRHA). An organization that provides leadership on rural health issues through advocacy, communications, education and research.
Centers for Disease Control and Prevention (CDC) – Rural Health. Offers data, tools and resources related to rural health policy and programs to improve the health of rural communities.
U.S. Department of Agriculture (USDA) – Rural Development. Provides financial programs to support essential public services and facilities, housing, health clinics, emergency service facilities and electric and telephone service.
Rural Health Clinics (RHCs). A network of clinics that aim to provide patients in rural communities with better access to primary care services.
American Telemedicine Association (ATA). Works to fully integrate telehealth into health care systems to improve health care quality, equity and cost nationwide.
National Organization of State Offices of Rural Health (NOSORH). Enhances the capacity of State Offices of Rural Health and their stakeholders to improve health care in rural America through leadership development, advocacy, education and partnerships.
Rural Policy Research Institute (RUPRI). Provides objective analysis and information about the difficulties, requirements, and possibilities that rural America faces.
State Health Insurance Assistance Programs (SHIP). A valuable resource for Medicare beneficiaries, offering personalized counseling and assistance to navigate Medicare's complex system, including understanding coverage options, rights and appeals.
About Nathan Paulus
sources
- American Hospital Association. "Ensuring Health Care Quality in Rural America." Accessed November 4, 2023.
- Ballard Brief by Brigham Young University. "Healthcare Access Disparities among Rural Populations in the United States." Accessed November 4, 2023.
- Centers for Disease Control and Prevention. "About Rural Health." Accessed November 4, 2023.
- Center for Healthcare Quality & Payment Reform. "Rural Hospitals at Risk of Closing." Accessed November 4, 2023.
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- National Institutes of Health. "Mobile health clinics in the United States." Accessed November 4, 2023.
- National Institutes of Health. "Telehealth in Response to the Rural Health Disparity." Accessed November 4, 2023.
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- University of Minnesota. "Rural areas have higher individual health insurance premiums and fewer plan choices." Accessed November 4, 2023.
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