Posted on 227,787 Comments on Important Determinants of Health

Important Determinants of Health →

As local communities continue to respond to the COVID-19 pandemic, understanding the population and resource availability becomes increasingly important. Accessibility and affordability of healthcare are crucial during these times, as the virus does not discriminate against whom it affects. While the pandemic has caused changes in everyone’s lives, individuals without health insurance, access to transportation, and access to mental health services are a part of the population that is being particularly negatively affected.

To focus on the specific challenges faced by a local community during this pandemic, this blog will focus on the Albany, New York area and its population (1).

Health Insurance

In the U.S., there are over 28 million uninsured individuals (2). It can be incredibly expensive to try and afford basic care without health insurance, and patients without health insurance are limited in the providers they can see and make appointments with. Uninsured people are therefore far less likely to get medical care, which means they are not receiving yearly checkups and don’t have access to preventative measures, such as cancer screenings or blood pressure tests. In many cases, medical care is only sought in emergencies.

While the uninsured rate in New York has decreased in recent years, there are few options for those that are uninsured in Albany. One of these options is Surya Immediate Medical Care– while not currently accepting any ill patients due to the pandemic, the center accepts patients without insurance and allows self-payments. A new visit costs $150, while an established visit costs $100. Charges for additional services like strep tests and x-rays are listed on their website. For dental health, Aspen Dental in Albany is a practice that provides free exams and x-rays on the first visit, without insurance.

Access to Transportation

Being able to make an appointment is one thing, but actually getting to the doctor’s office is another– access to transportation is something that can often prevent patients from receiving the healthcare they need. One of the COVID-19 testing sites in Albany is at SUNY Albany. However, to be tested, individuals need transportation to the testing site and must be in a vehicle when they are being tested. Some resources that provide transportation include UberHealth, Medanswering services for individuals with Medicaid, and CDTA transit for Albany county resident seniors over the age of 60.

More recently, some mobile testing sites have become available and are listed here, which can allow some individuals to have access to testing without needing transportation, depending on where they live.

Mental Health Services

Mental health is an equally large component and contributor to overall health and wellbeing as physical health. With the COVID-19 pandemic, many individuals are experiencing loneliness, anxiety, and other mental health issues as daily lifestyles have changed due to quarantine and social interaction is limited. To try and support individuals at home, some hotlines have become available 24/7 or throughout the week to provide help. A COVID-19 support line is available at (518) 269-6634, from 8 am to 8 pm every day. Additional hotlines and mental health resources in Albany are listed here.

While the Albany area has begun to respond to changes in healthcare availability and accessibility due to the pandemic, there are still some areas that can be improved upon, such as increased access to basic care and preventative services for people who are uninsured. Additionally, access to health insurance, transportation, and mental health services are only a few of the determinants of health and wellbeing– what do you think your local community can improve upon when it comes to the health of its population?

227,787 thoughts on “Important Determinants of Health”

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  3. خدمة سطحه وسطحة لسحب السيارات متواجدين 24/7 لخدمتك وتقديم افضل ونش سطحه دائما لتسهيل عمليات سحب ورفع السيارات على جميع طرق الكويت.

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  4. خدمة سطحه وسطحة لسحب السيارات متواجدين 24/7 لخدمتك وتقديم افضل ونش سطحه دائما لتسهيل عمليات سحب ورفع السيارات على جميع طرق الكويت.

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  5. خدمة كرين وسطحة لسحب السيارات متواجدين 24/7 لخدمتك وتقديم افضل ونش سطحه دائما لتسهيل عمليات سحب ورفع السيارات على جميع طرق الكويت.

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  7. خدمة كرين وسطحة لسحب السيارات متواجدين 24/7 لخدمتك وتقديم افضل ونش سطحه دائما لتسهيل عمليات سحب ورفع السيارات على جميع طرق الكويت.

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  9. RBS today admitted that it had failed to invest properly in IT systems for decades, as customers woke up to find money
    had been emptied from their accounts by a computer glitch.

    Supermarket trolleys full of food were abandoned, mothers were unable
    to buy milk for babies and motorists could not purchase fuel as the error also left Britain’s shoppers high and dry last
    night.

    On the biggest online shopping day of the year, customers of the Royal Bank of
    Scotland (RBS) Group, which includes NatWest and Ulster Bank, were left unable to use their debit or credit cards.

    Problem: A computer glitch at NatWest left customers
    unable to use their cards or make online purchases

    Chief executive Ross McEwann insisted the bank was now investing heavily
    in building IT systems that its customers ‘can rely on’, adding that he was ‘sorry for the inconvenience
    we caused’.

    On the first working day of the month and just three weeks before Christmas,
    some customers found their wages had gone missing and they had gone overdrawn as direct
    debits went out.

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    The problem – which lasted for around three hours between 6.30pm and 9.30pm yesterday
    – also affected use of the bank’s cash machines, smartphone apps and websites,
    on ‘Cyber Monday’.

    Other customers logged on to find they were overdrawn – when there
    should have been funds available in their accounts, but the
    bank said this had only happened to a small number of people.

    Shocked: RBS customer Rachael Horrocks, 24, pictured at her
    workplace in Berkshire, found her account value was negative today,
    despite her having ‘a reasonable amount of funds in there
    yesterday’

    Mr McEwann said: ‘Last night’s systems failure was
    unacceptable.

    CUSTOMERS COMPLAIN AT SPEED OF RBS RESPONSE ON TWITTER

    Customers complained that it took RBS and NatWest at least one hour to alert customers to the problem via Twitter.

    Once the details were made public, the banks were met with a tidal wave of frustration and anger from people
    stranded without money or turned away from tills.

    Many people complained direct to the Help Twitter feeds of NatWest
    and RBS.

    Andy Neillans said: ‘Can’t believe it took so long to get an announcement out.

    Looks like issues for last one hour plus, and this is the first info.’

    And Samuel Cramer wrote: ‘I’m stuck – unable
    to either go home or go where I’m meant to be going, so hurry up with it.
    Switching banks first chance I get.’

    ‘Yesterday was a busy shopping day and far too many of our
    customers were let down, unable to make purchases and withdraw cash.
    For decades, RBS failed to invest properly in its systems.

    ‘We need to put our customers’ needs at the centre of all we do.
    It will take time, but we are investing heavily in building IT systems our customers
    can rely on. I’m sorry for the inconvenience we caused our customers.
    We know we have to do better.

    ‘I will be outlining plans in the New Year for making RBS the bank
    that our customers and the UK need it to be. This will include an outline of where we intend
    to invest for the future.’

    As well as anger among internet users, people complained
    about being caught up in long queues at supermarkets and petrol stations as those
    affected struggled to find alternative payment methods.

    The bank has apologised to customers across
    the country who were hit by the problem. Reports of cards being declined began at 6.30pm – when many people go online
    to buy groceries after work.

    Not in use: A mother and baby pass an out-of-order
    NatWest cashpoint in the town of Olney, Buckinghamshire

    At 7pm, one customer reported NatWest cards being declined ‘en masse’ at a supermarket in Kent.

    ‘I WAS FORCED TO CANCEL MY JOB INTERVIEW BECAUSE I HAD NO
    MONEY TO GET THERE’

    NatWest customer Natasha Lewis said her card was declined
    while getting petrol last night, which caused ‘a huge lot of grief as I knew
    I had money in there’, and she had to call her partner to walk up to pay for
    it instead.

    But the 26-year-old nursery nurse from Birmingham experienced further problems this morning,
    being woken up by a text message that she was overdrawn.

    Since then she has had to cancel a job interview because
    she had no money to get there, and was not able to reschedule it.

    Ms Lewis told MailOnline: ‘I rang customer services,
    to be on hold for an hour to be told I took money out which was not
    in there. I explained I got paid that day and I checked my
    available balance first like I always do.

    ‘Then (the woman on the phone) told me that my money had disappeared and there were no signs of money going into my account yesterday.

    She wanted to take money out of my savings to cover it.

    ‘I said “no” as it’s not my fault the money has gone, so I shouldn’t have to pay.
    I had a job interview today which I’ve had to cancel as I’ve got no access to
    money to get there as my partner has the car. The bank is a
    joke.’

    She added that she will be changing banks if the problem is not sorted today, because she has a number of bills to
    come out tomorrow.

    Posts on Twitter included: ‘NatWest useful banking
    – really? Useless banking is more appropriate.’ Another person tweeted:
    ‘I’m pleased that Natwest has crashed. No, not that.
    Furious, that’s it.’

    RBS customer Rachael Horrocks, 24, said: ‘Just checked my account now this morning and
    my account was in minus, when I had a reasonable amount of funds
    in there yesterday. Today they just disappeared.

    The freight imports co-ordinator, who works in Colnbrook, Berkshire, near London Heathrow Airport, told
    MailOnline: ‘I was ringing RBS for one hour this morning, only to be told that
    they don’t know when they will be able to return services back to normal.

    Absolutely useless.’

    She said there was around £200 in the affected account when she checked at 4pm yesterday, but found it was showing -£65 when she woke up this morning.

    Ms Horrocks added later on: ‘I have called again now and they
    have advised me that people should start seeing their money back in their accounts,
    but mine still has not been restored.’

    Another customer, Jill Gale, said she was affected last night and by the outage last year – and has
    finally had enough of NatWest, so switched banks this morning.

    The 34-year-old from County Durham told MailOnline: ‘My wages disappeared last year for three days and last night when I
    filled up my car I couldn’t pay for my petrol.

    ‘Why should I carry £50 cash in my purse? Surely having my card
    and ensuring I have valid funds in the account should
    be enough. As it happens I had a separate Visa which I used.

    ‘But it is humiliating when it happens, even though the people behind me were in the same position – and two of
    them didn’t have any other way of paying.

    ‘Needless to say, the first thing I have done this morning
    is change banks. My new bank will close my old accounts when the switch is
    successful, but not without a complaint from me first.’

    Meanwhile, a pilot and his crew who arrived yesterday in the Falklands
    for a two-month tour found once they reached their base that they could not use their cards when they went to a cashpoint to pay for
    dinner.

    The pilot’s mother Sarah Prosser told MailOnline: ‘They all had to queue up to use a phone to call home to find out what was going on and to tell families that they could not access any money.

    ‘Not only are the poor lads away from home for Christmas, but they can’t buy anything
    either.

    NatWest apologised for the glitches and told the Twitter community it was trying to resolve the situation

    ‘The least RBS/NatWest could do would be to fly some “Christmas cheer” down to them and sort
    their accounts out as soon as possible, as a way of saying sorry.’

    Q&A: WHAT SHOULD YOU DO NOW?

    HOW MANY PEOPLE WERE AFFECTED?

    It is believed around 750,000 people unsuccessfully tried
    to take out cash last night. Many more had problems with credit or debit
    card payments. And a small number of people have also found their accounts to be
    incorrectly overdrawn, the bank said.

    CAN I CLAIM COMPENSATION FOR THIS?

    RBS said it will consider claims for compensation on a ‘case-by-case’ basis and insisted that if
    anyone has been left out of pocket as a result of the
    problems, ‘we will put this right’. But it will not reimburse people for inconvenience or time wasted, although it
    has apologised for this. If customers are unhappy with the response, they can then complain to the free Financial Ombudsman Service.

    HOW DO I GET IN TOUCH WITH THE BANK?

    The bank has asked everyone affected to get in touch. It can be contacted
    on the freephone numbers 0800 151 0404 (NatWest), 0800 151
    0405 (RBS), or 0800 046 5486 (Ulster).

    I’VE BEEN SENT AN EMAIL SAYING MY SECURITY DETAILS HAVE BEEN RESET

    There is a phishing scam trying to trick customers into giving away security details to fraudsters.

    Security experts are advising people not to click on the links in any email claiming to be from the bank.
    If you have concerns about this, you should call
    the bank

    HOW CAN I SWITCH MY BANK ACCOUNT?

    Switching bank accounts takes seven working days
    and all incoming and outgoing payments will
    be moved to your new account, by your new bank, MoneySavingExpert.com said.

    And NatWest customer Kim Forsdyke, 48, of Wraysbury,
    Berkshire, said: ‘Went to pay in a shop last night and card got declined.
    Put it in the cash machine and got declined.

    ‘Went for a meal for my daughter’s birthday and card got declined again. This
    morning, went to log onto internet banking and cannot.’

    Woman, 21 of Streatham, south London, said: ‘I was also unable to
    access my app yesterday for the times stated as well as even past 9:30pm.

    ‘Also, I was trying to purchase a camera from Currys which was at a reduced
    price as a result of the recent Black Friday, and was unable to as it stated that the transaction was unsuccessful.
    Looks like NatWest will be losing a customer.’

    MailOnline reader Melissa, of Cheshire, said she was trying to buy Christmas presents
    online from clothing retailer Topshop, but ‘because NatWest messed up, the transaction went through six
    times even though it got declined each time – and I
    got charged nearly £500′.

    Another reader, Keri, from Liverpool, said she was declined when trying to buy shopping today  – and
    then found her account was overdrawn and a £300 payment in had gone missing.

    ‘To try and save some embarrassment I tried to transfer money from my savings
    account into my current account, only to find they had
    lost the hundreds made into that account online on Sunday had also gone
    missing,’ she added.

    ‘I went straight to the bank – resulting
    in me not only being late for work, but the time spent on the phone to the complaint department meant I had to request work allow me the day off – now
    more out of pocket.

    ‘I’ve got direct debits due this week to credit cards. Who knows
    whether they’ll find the missing money or how long when they
    do. Worrying about my credit scoring now as well as everything else.’

    Megan Clarke, 20, who went shopping last night at the Trafford Centre in Manchester, had a fortunate
    escape after filling up her car with petrol before the glitch occurred.

    Trying to get money: Megan Clarke, 20, who went shopping at the Trafford Centre in Manchester last night, described seeing a queue by a cash machine,
    ‘with many panic-stricken people’

    She told MailOnline: ‘My card got declined three times in a
    shop. I went to the cash machine and it said “unable to access account contact provider”.

    A queue starting forming by the cash machine, with many panic-stricken people in need of money to
    get home.’

    Susan Allen, director of customer solutions at RBS Group,
    told BBC News today: ‘We sincerely regret the inconvenience that
    customers have had. There have been some fairly horrible stories
    this morning about the inconvenience and distress caused for
    people out shopping yesterday evening.

    ‘If anybody is out of pocket, then we have made a
    commitment that we will make sure that everybody is put back in the right position.

    ‘It’s very upsetting when you hear the stories,
    and I’ve talked to a number of customers and seen their stories this morning,
    so I can understand the frustration and anger that people
    are feeling.’

    She also told BBC Radio 5 Live: ‘We put all
    our focus on getting it fixed and we now start the
    detailed work on what went wrong. We understand the impact on our customers.

    ‘It is completely unacceptable that customers couldn’t access their own money.

    The investigations would suggest it is completely unrelated to the volumes on Cyber Monday.’

    A spokesman also told BBC Radio Four’s Today programmethat for ‘even one customer not to be able
    to access their money was unacceptable’.

    The problems have rekindled memories of the meltdown the bank suffered in the summer
    of 2012, which delivered days of issues.

    Sale denied: Twitter users vented their frustration about the
    crash

    A technical glitch millions saw unable to access their salaries in what was branded
    one of the biggest IT failures at a UK bank.

    ‘I COULDN’T PURCHASE MILK FOR MY FOUR-WEEK-OLD BABY’

    A mother said she was left without milk for her four-week-old baby after the NatWest glitch.

    Kady Pike, 25, of Basingstoke, Hampshire, told MailOnline she
    went to a Tesco store last night to purchase milk for her child Ted, but her card was declined three times. 

    She then went to the cashpoint outside the store only to receive the message that the machine ‘cannot process request at this time’.

    Ms Pike said: ‘I have just suffered an acute cardiac arrest bought on by a suspected clot I my lung,
    so my trips outside of the house are very few and far between.  

    ‘Seeing that my card had been declined; naturally I panicked – a) My newborn baby
    needs his milk and b) What’s happened to my money?’

    She then called NatWest but said the member of staff was unable to help further than putting her through to the customer service team.

    Upon calling them, she was put on hold for 10 minutes
    and eventually decided to hang up. Her father later went out to buy the milk.

    She added on BBC Radio 5 Live: ‘We put all our focus on getting it fixed and we now start the detailed work on what went
    wrong. We understand the impact on our customers.

    Branches were forced to open late and on a Sunday to cope with the aftermath of millions of people unable to receive money or pay bills.

    A investigation by City regulator the Financial Conduct Authority
    into the outage last year is still ongoing.

    Yesterday’s high profile collapse has dealt a further blow to RBS NatWest as it tries to rebuild its reputation after  that event and being forced into a taxpayer rescue
    during the financial crisis.

    Experts say Britain’s bank customers could face increasing technical problems due to systems creaking under the weight of new
    technology and increased online payments.

    Banks were early adopters of  IT systems when technology was still young and still rely
    substantially on decades old platforms that have high levels of
    demand placed on them thanks to the internet age.

    MoneySavingExpert.com creator Martin Lewis said: ‘People have been left stranded and unable to get home, embarrassed in shops, and missed out on hot deals on the biggest shopping
    day of the year – all because NatWest, RBS and Ulster haven’t got their act together.

    ‘This is at least the third time in the last 18
    months this has happened, and while thankfully it was shorter than last summer’s
    almost a month-long outage for Ulster customers – it should still raise huge questions for customers.

    ‘Couple this not-fit-for-purpose technology with the
    fact its bank accounts are mostly far shy of the best-buy deals, and many of its customers should genuinely be looking to place their
    custom elsewhere.’  

    Iain Chidgey, from data management company Delphix, told MailOnline:
    ‘Software glitches are becoming more and more frequent in the banking industry.
    Often the cause is insufficient testing.

    ‘The databases in financial institutions are large and often more complex than in other companies.

    IT departments provide copies of databases for testing, but by the time a copy is available, the data itself is often old.

    ‘In our data-intensive world, data can be obsolete after only a couple of hours, but when refreshing just a single testing data set can takes days, the data will
    never be up to date enough for risk free testing.’

    And, following the technical problems, security
    specialist firm Check Point today warned customers to
    watch out for phishing emails which appear to have been sent by their bank.

    Cash machines have been affected and one customer reported NatWest
    cards being declined ‘en masse’ at a supermarket in Kent

    The company’s UK managing director Keith Bird said:
    ‘Bank customers need to be very careful not to click on links in emails which appear to come from RBS, NatWest or Ulster Bank
    advising them about changes to account security, no matter
    how authentic the email seems to be.

    ‘DECLINED CARD MEANT I COULDN’T BUY ANY CHRISTMAS PRESENTS’

    Suresh Mekala spent more than £13 on a train ticket from Gloucester to Bath to do some Christmas shopping.

    But it was a wasted trip as the 29-year-old ended up having his NatWest card declined at several stores – and could not buy anything.

    He told MailOnline: ‘I never keep cash as I use my card to pay for all my transactions.
    But I had a really bad day – I went to my favourite shops got lots
    of shopping but my card was declined several times.

    ‘NatWest is the only bank account I have and no cash.
    My trip was for nothing.

    ‘I couldn’t withdraw money from cash point or check my
    online banking. I’m really frustrated with the bank.’

    ‘Attackers have jumped at this opportunity to try and trick customers affected by yesterday’s
    technical problems into revealing their bank details.

    ‘For those attackers, it’s just a numbers game, but it could have serious consequences for customers.

    Phishing emails continue to be the most common source for social engineering
    attacks.’

    RBS, which is 80 per cent owned by the taxpayer after being rescued during the
    financial crisis, has also been under fire over the last week over allegations
    that it drove distressed firms to collapse to buy back their assets at
    rock-bottom prices.

    Trade union Unite, which represents RBS staff, called for the bank to halt its cost cutting programme – which has seen thousands of jobs axed and IT functions sent abroad
    – in the wake of the IT problems.

    National officer Dominic Hook said: ‘It is unacceptable that
    the bank’s customers are once again facing inconvenience.

    ‘Unite has grave concerns that staffing challenges are exacerbating the
    problems facing the bank.’

    Richard Lloyd, executive director of consumer
    group Which?, said: ‘Yet again consumers are bearing the brunt of bank
    failures.

    ‘RBS must explain why these IT glitches keep happening and assure customers that they
    are doing everything to prevent it in future.

    ‘Banks’ IT systems are not fit for modern banking purposes, and it’s high time the Financial Conduct Authority took action.

    ‘Unhappy customers should also remember it is now quicker
    and easier to switch banks so they can vote with their feet.’

    IT’S A FEELING OF DEJA-VU FOR MILLIONS OF NATWEST CUSTOMERS WITH CYBER MONDAY’S FIASCO BEING THE LATEST IN A LONG
    LINE OF GLITCHES

    NatWest’s slogan is ‘helpful banking’, but that phrase
    will leave a bitter taste in the mouth for many of its customers, with the bank suffering a spate of major IT glitches recently.

    In mid-2012 the technical meltdowns were so severe that Stephen Hester, the former boss of NatWest owner RBS,
    personally apologised for the issues.

    The IT problems led to payments going missing, wages disappearing and holidays
    and home purchases being disrupted.

    The bank kept 1,000 branches open late for one day in all major
    towns and cities to help frustrated customers.

    Mr Hester admitted that NatWest had let down its customers after hundreds of people vented their anger over the issue.

    The fiasco cost the bank some £175 million in compensation.

    And in October 2012 the bank had to suspend a mobile phone banking App feature called GetCash, after the service was subject to a spate of ‘phishing’ attacks by fraudsters.

    The bank also had huge technical problems earlier this year when the mobile Apps used by two million customers to
    access their accounts from iPhones, Android smartphones and tablets failed.

    Millions of customers were locked out of their accounts for several hours as a result.

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