According to the National Safe Kids Campaign (NSKC) (2004) children who live in rural areas are more likely to be involved in an unintentional injury as compared to children living in urban areas. This statement would lead to more health care costs, and according to NSKC (2004) children who live in rural areas are also least likely to have health care insurance. The overall cost for a childinvolved in an injury is over $12,700, with an additional $650 for medical bills. On top of that, the child, when older will be faced with medical bills amounting to over $11,000 in lost quality of life.

The overall risk in case of underinsured patients is high. Almost all insurance plans do not provide full coverage of the hospital bill. There are co-payments and deductibles that must be paid by patients when they are discharged (Kaye, 2004). With increasing number of underinsured persons, there are policy disputes, fee limitation, benefit reductions and out of network fines. Ordinarily, the policy of Healthcare facilities is that bills should be paid 10 days after the insurance payment is received. Still, the payment is required to be paid by the patient at the time of discharge. The business office of the Healthcare facilities stops patients at the time of discharge for the payment of their dues.

State Government Grants should be applied for amongst the families who are not properly insured. The purpose of these funds will be to finance the cost of an increasing number of uninsured and underinsured patients (Wakefield, 2010). There should be fixed geographical area around the hospital from which uninsured and underinsured patients are accepted. This geographical limitation will not only limit the number of uninsured or underinsured patients that are treated at Healthcare facilities but will also ensure that is it relatively easy to collect debts from such persons.