The number of American households that were unbanked last year dropped to its lowest level since 2009, a dip due in part to people opening accounts to receive financial assistance during the pandemic, a new report says. Show
Roughly 4.5% of U.S. households – or 5.9 million – didn't have a checking or savings account with a bank or credit union in 2021, a record low, according to the Federal Deposit Insurance Corporation's most recent survey of unbanked and underbanked households. Roughly 45% of households that received a stimulus payment, jobless benefits or other government assistance after the start of the pandemic in March, 2020 said those funds helped compel them to open an account, according to the biennial report which has been conducted since 2009. "Safe and affordable bank accounts provide a way to bring more Americans into the banking system and will continue to play an important role in advancing economic inclusion for all Americans,'' FDIC acting chairman Martin J. Gruenberg said in a statement. A lack of banking options delayed some households from getting federal payments aimed at helping the country weather the economic fallout from the COVID-19 health crisis. Battle against predatory lending:Mississippi social justice firm fights payday 'predatory lending' in low-income communities Checks arrived late for some of the unbanked:For 'unbanked' Americans, pandemic stimulus checks arrived slowly and with higher fees. But that could change. The FDIC initiated an educational campaign to get more Americans to open an account to enable the direct deposit of those funds. And banks such as Capital One and Ally Financial ended overdraft and other fees that have been a key barrier to some Americans accessing the banking system. What does it mean to be unbanked?A household is deemed unbanked when no one in the home has an account with a bank or credit union. That share of households has dropped by nearly half since 2009. And since 2011, when 8% of U.S. households were unbanked, the highest since the start of the survey, and the record low reached in 2021, roughly half of the drop was due to a shift in the financial circumstances of American households the FDIC says. Who are the underbanked?Those who have a checking or savings account, but also use financial alternatives like check cashing services are considered underbanked. The underbanked represented 14% of U.S. households, or 18.7 million, last year. Why are people unbanked or underbanked?Many of those who are unbanked say they can't afford to have an account because of the fees for insufficient funds and overdrafts that are tacked on when account balances fall short. Roughly 29% said fees or not having the required minimum balance were the primary reasons they didn't have a checking or savings account, as compared to 38% who cited those obstacles in 2019. Are some groups more likely to be unbanked?The numbers of the unbanked were greater among households that included those who were working age and disabled, lower income, included a single mother, or were Black or Hispanic. Among white households for instance, 2% didn't have a bank account last year as compared to 11% and 9% of their Black and Hispanic counterparts. Meanwhile, nearly 15% of households with a working age member who had a disability were unbanked compared to almost 4% of other households. And nearly 16% of households with a single mother were unbanked as compared to about 2% of married couples who lacked an account. "These gaps attest there's still a lot of opportunity to expand participation across the population in the banking system,'' Keith Ernst, Associate Director of Consumer Research and Examination Analytics at the FDIC, said during a media call about the report. Will the number of unbanked rise if the U.S. has a recession?Perhaps. "During the last recession unbanked rates did indeed go up,'' Karyen Chu, chief of the Banking Research Section at the Center for Financial Research, said during the call. Additionally, last year, homes where the head of household was out of work were nearly five times more likely to not have a bank account as compared to those where the household head was employed. Recession predictions 2023:Is a recession inevitable in 2023? Here's what experts are saying. "To the extent that income goes down ... that has generally been associated with increases in unbanked rates,’’ Chu said. Hypertension (HTN), also known as high blood pressure (HBP) is a common condition in which the blood pressure in the arteries is constantly elevated. Generally, blood pressure is determined both by the amount of blood your heart pumps and the amount of resistance to blood flow in your arteries. The more blood your heart pumps and the narrower your arteries, the higher your blood pressure. The long-term force of the blood against your artery walls is high enough to cause severe health complications like heart disease, stroke or even death. The medical guidelines issued by the American Heart Association (AHA) 2017 define hypertension as blood pressure that is higher than 130 over 80 millimeters of mercury (mmHg). Without early diagnosis and proper treatment, HBP can lead to life-threatening conditions. Physicians treating this condition can depend on reliable medical billing companies for accurate and timely claim filing for appropriate reimbursement. Reports from the American Heart Association (AHA, 2018 statistics) say that an estimated 103 million U.S. adults have high blood pressure – which is nearly half of all adults in the United States. Acute causes of high blood pressure include stress, but it can happen on its own or from an underlying condition, like kidney disease. In most cases, people with HBP don’t experience any specific signs or symptoms, even if blood pressure readings reach dangerously high levels. On the other hand, some people may experience minor symptoms like headache, shortness of breath or nosebleeds. Often, these signs and symptoms aren’t specific and don’t occur until blood pressure has reached a severe or life-threatening stage. Potential risk factors that may increase the chances of having hypertension include – age, family history, increased body weight, alcohol and tobacco use, physical inactivity, a salt-rich diet (involving processed and fatty foods) and presence of certain health conditions like cardiovascular disease, diabetes, chronic kidney disease and high cholesterol levels. Types of Hypertension (HTN) Hypertension can be Primary (essential) hypertension and secondary hypertension. These two types of hypertension account for about 90% of all hypertension cases. For primary/essential hypertension – there is no identifiable cause of high blood pressure and the condition tends to develop gradually over many years. Caused by an underlying condition, secondary hypertension tends to appear suddenly and cause higher blood pressure than the primary type. Diseases that might be a cause of hypertension include – chronic kidney disease, sleep apnea, adrenal gland tumors, alcohol addiction, thyroid dysfunction, congenital defects and use of certain medication. In this type of hypertension, once the root cause is treated, blood pressure usually returns to normal or is significantly lowered. However, there are several types of HTN that are less common, but are not less important. These include – malignant hypertension, resistant hypertension, pulmonary hypertension, isolated systolic hypertension, Pseudo-hypertension and White coat hypertension. This means it is important to know how to monitor hypertension based on its type. How to Diagnose and Treat HTN? As part of initial diagnosis, physicians will conduct a detailed physical examination and review the patient’s previous medical history. The blood pressure is measured using a pressure-measuring gauge. Blood pressure readings, given in millimeters of mercury (mm Hg), have two numbers. The first, or upper, number measures the pressure in the arteries when the heart beats (systolic pressure). The second, or lower, number measures the pressure in the arteries between beats (diastolic pressure). Blood pressure measurements fall into four general categories –
Both numbers in a blood pressure reading are important. However after 50 years of age, the systolic reading is even more significant. Physicians will generally take 2-3 readings each at three or separate appointments before making a final diagnosis. This is because blood pressure normally varies throughout the day, and it may be elevated during visits to the doctor. Physicians may recommend a 24-hour blood pressure monitoring test called “ambulatory blood pressure monitoring” which measures the blood pressure at regular intervals over a 24-hour period and provides a more accurate picture of blood pressure changes over an average day and night. In addition, physicians may also recommend other routine tests like – urine test (urinalysis), blood tests, cholesterol test, electrocardiogram (that measures the heart’s electrical activity) and echocardiogram to check for more signs of heart disease. Treatment for this condition involves a combination of medications and changes in lifestyle habits. Medications include – Angiotensin-converting enzyme (ACE) inhibitors, Calcium channel blockers, Alpha-beta blockers and Renin inhibitors. Incorporating key lifestyle changes like eating a heart-healthy diet (with less salt and fatty foods), limiting the amount of alcohol, doing regular physical activity and maintaining a healthy body weight can help reduce blood pressure. Medicare Coverage and Coding Guidelines If you are diagnosed with high blood pressure, Medicare Part B covers all medically necessary doctor visits and outpatient tests and procedures to treat and manage your condition. Medicare Part B may also pay for weight loss counseling sessions and smoking cessation sessions if performed by a qualified professional who accepts Medicare assignment. Cardiology medical billing and coding is challenging, as it involves numerous rules related to reporting the procedure accurately. Cardiologists or other specialists who treat hypertension and other associated conditions must use the relevant ICD-10 codes to bill for the procedure. The ICD-10 codes for diagnosing hypertension and other related conditions include – I10 – Primary (essential) hypertension I15 – Secondary hypertension
Hypertension and Associated Conditions If a patient with hypertension is confirmed to have co-morbid heart and/or kidney disease, it should be reported using ICD-10 codes in the following manner – Hypertension and Heart Disease I11 – Hypertensive heart disease
Hypertension and Chronic Kidney Disease If the patient has hypertension and then develops chronic kidney disease, ICD-10 will consider that condition as hypertensive chronic kidney disease. However, if the chronic kidney disease occurs first and then the combination, their codes fall under the secondary hypertension codes. I12 – Hypertensive chronic kidney disease
Both these codes require an additional N18 code to specify the stage of kidney disease.
Hypertension, Heart Disease and Chronic Kidney Disease The ICD-10 codes for the three-disease combination (if the patient has all the three conditions, hypertension, heart disease and chronic kidney disease) are classified according to the degree of chronic kidney disease rather than the presence or absence of heart failure. I13 – Hypertensive heart and chronic kidney disease
Just as the two-disease combination codes, the above codes also require additional codes from the N18 series to specify the stage of kidney disease. Coding for Nicotine Dependence An additional ICD-10 code is required for all hypertension codes if the patient uses tobacco currently or had used it earlier. The codes for nicotine use include – F17 – Nicotine dependence
Other Hypertension Codes I27.0 – Primary pulmonary hypertension
High blood pressure (HBP) generally develops over many years, and can affect nearly everyone. The higher your blood pressure and the longer it goes uncontrolled, the greater the damage. Uncontrolled high blood pressure can lead to complications including heart attack or stroke, aneurysm, dementia, trouble with memory and metabolic syndrome. However, a right combination of medications along with significant lifestyle changes can help people effectively control and prevent blood pressure in the long run. Medical coding for hypertensive disorders can be complex, as there are several categories of codes. Outsourcing medical billing tasks to a reliable and established medical billing and coding company (that provides the services of AAPC-certified coding specialists) can help with correct and timely claims submissions. What are the BP readings for a stage 1 hypertension classification?Hypertension Stage 1 is when blood pressure consistently ranges from 130-139 systolic or 80-89 mm Hg diastolic.
What is considered HTN Stage 1?Stage 1 hypertension: A reading ranging from 130 to 139 (systolic) or 80 to 89 (diastolic) Stage 2 hypertension: A reading ranging from 140 or higher (systolic) or 90 (diastolic) Hypertensive crisis (consult your doctor immediately): A reading higher than 180 (systolic) and/or 120 (diastolic)
Which of the following blood pressure readings would classify an individual as having stage 1 hypertension quizlet?Which of the following blood pressure readings would classify an individual as having stage 1 hypertension? Stage 1 hypertension is defined as systolic blood pressure between 130 and 139 mm Hg and diastolic blood pressure between 80 and 89 mm Hg.
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Which of the following BP readings can be classified as hypertension stage 1 quizlet?
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