Is Driscoll Health Plan A Good Company?
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Asked April 29, 2013
Driscoll Health Plan is a not-for-profit health care company serving children and families in South Texas. The company was founded in the late 1960's, the company name comes from the original financial backing of the Driscoll Foundation. The company is licensed as an insurance company by the Texas Department of Insurance, and operates as a Health Maintenance Organization.
Because the Driscoll Health Plan is not a traditional insurance company, it is not rated by financial ratings companies such as the A.M. Best Company, Standard & Poor's or other groups. This does not mean that Driscoll Health Plan is suffering financially, it simply indicates that the company is not financially ranked the way regular insurance companies are.
Who Benefits from Driscoll's Health Plan?
Driscoll Health Plan is focused on children and youth. The idea is to present kids with the best medical care possible at an early age, both by educating the children and by administering specific care plans. Because the company deals primarily with children, they have taken steps to be as friendly and encouraging as possible, which is reflected in the attitudes that their clients take toward the company.
Driscoll Health Plan serves families in South Texas. The company is affiliated with the renowned Driscoll Children's Hospital, and the Driscoll Children's Specialty Centers. Locations for the Driscoll Health Plan include McAllen, Brownsville, Laredo, Eagle Pass, and other areas in the plan's coverage area.
Insurance Products Offered Driscoll Health Plan provides health care and specialty services for children and their families. The plan is not designed for the use of adults. Families are included in the plan's practices, insofar as treatments and services are tailored around the family unit.
What Insurance Products Does Driscoll Offer?
Health care insurance is still hotly debated. Programs like Medicaid and CHIP have traditionally taken care of low-income children's medical bills. CHIP, CHIP Perinate, and STAR Kids were all created because the existing programs were not sufficient. Driscoll offers these and other insurance plans for better healthcare service for local Texas children.
It often goes hand in hand with programs like WIC, which is designed to meet pregnant women and small children's nutritional needs. The idea is to create a value-added service for those providing assistance. In short, if you meet a child's nutritional needs, you reduce their need for significant medical care and save money on medical costs that pays for the food and support you provide through WIC.
The philosophy behind a program like Driscoll is you conduct regular check-ups and meet children's basic medical needs. Instead of a root canal, you get a dental exam with early cavity fillings and a better education on the best way to brush their teeth. Instead of an ER visit for certain vitamin deficiencies, you catch the early signs and educate parents. Driscoll is for low-income families, but the philosophy is designed to help the system and society to balance itself out.
A social worker within the system can provide special services and look at the whole picture.
Is Medical Care for Children Better with Driscoll?
With a program like Driscoll, a lot of the success is dependent on the people operating it. Things like eye exams, a routine dental exam, and choice of doctor can go a long way, but it only works if they happen. Each child needs to collect these benefits on a routine basis to filter for the early signs of serious medical issues leading to better education for families. If benefits are not dispensed properly, hospital care is covered, but the frequency does not go down. So the cost of health care and other things Driscoll is targeting do not change.
When properly executed, programs like Driscoll have significant mental health benefits for families, not just the child patients. They also reduce the medical burden on the community facilities. Driscoll continues to work with programs like STAR Kids, STAR Medicaid, and CHIP.
Answered April 29, 2013 by Anonymous