Posts Tagged - ‘uninsured’

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Undocumented Immigrants Not Covered By Health Insurance Reform

Thursday, April 8th, 2010

(Image: Bearman2007 under CC 3.0)

Proponents of healthcare reform predict that the vast majority of Americans will be insured by 2019. However, several million people will still lack affordable health insurance. A large percentage of that group–about seven million–are undocumented immigrants.

Illegal immigration were a very controversial issue in the debate. They often receive expensive emergency care through hospital ERs. Community health centers, which had their funding increased in the legislation, will also treat them. However, their inclusion in the bill would result in both higher costs (and therefore more debt) and belief that it would encourage more people to come into the U.S. without proper documents. Some people believe that the safeguards against this group benefiting from the bill aren’t strong enough.

Both versions of the legislation, including the Senate version that ultimately passed, specifically forbid immigrants without documented residency or citizenship to participate in the newly created health insurance exchange markets. They will not receive subsidies to purchase a health insurance plan. (Such subsidies will be in the form of tax credits, and most illegal immigrants don’t file income taxes–although they do pay sales taxes and other expenses in the United States.) Undocumented immigrants won’t be able to use their own money to buy health coverage at the discounted rates available in that exchange market, either.

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FAQ: Doctor Visit Waits Under Healthcare Reform

Wednesday, April 7th, 2010

Image: a.drian under CC 3.0

Many are concerned that there will be extremely long waits for care, now that the new health care bill is the law of the land. Even supporters of healthcare reform acknowledge that many people will experience longer waits to visit a primary care doctor. However, they disagree on the extent of the impact. What’s the truth? Read this FAQ for more information.

  1. Will it take longer to see a doctor? There is no denying that an increase in the number of patients will lead to longer wait times. By 2019, over 30 million previously uninsured Americans will have access to affordable health insurance. Most of those people weren’t seeing physicians before, so the wait will inevitably increase.
  2. Are there any other reasons for the longer wait times? This situation has been going on before health insurance reform was a twinkle in the Obama administration’s eye. For years, there has been a shortage of primary care doctors. Many medical school graduates choose more lucrative specialties, instead. Granted, reform will probably exacerbate the predicted shortage of 40,000 by 2020.
  3. Who will be affected most? Those who already have their own doctor will most likely see little impact. You might have to wait a day or two longer for non-emergency visits. However, the impact is more severe for people with a new health insurance plan looking for a doctor for the first time. Many internal medicine and family doctors may refuse to accept new patients. The small percentage of the uninsured with already-established relationships with a doctor will be better off.
  4. What does the legislation do about the waiting lines? Many feel that the bill’s provisions to reduce its impact on wait times are insufficient. Med school students who choose primary care will receive special student loan packages that are less stringent about repayment. It will also increase reimbursement rates for Medicaid temporarily, because the public health insurance program for the poor is often rejected by doctors that find it impossible to break even on their practice with the low rates.
  5. What else can be done? Many health care experts promote the increased training of nurse practitioners and physician assistants, who are qualified to handle minor to moderate conditions. They can help reduce the load for doctors, and enter the workforce in a shorter period of time.
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How Health Insurance Reform Will Impact Native Americans

Thursday, April 1st, 2010

(Image: Tony the Misfit under CC 3.0)

According to the director of the Indian Health Service, American Indians and Alaska Natives will see several benefits from health insurance reform.

Yvette Roubideaux, M.D. says that tribal organizations will now be able to buy health insurance plans for their employees the same way the federal government does. The Federal Employees Health Benefits program is able to negotiate lower rates with insurers, due to its regulations and large employee pools.

Native Americans are more likely to be uninsured than the general population, and many live in poverty.

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Hispanics Benefit From Health Insurance Reform

Tuesday, March 30th, 2010

(Image: Franco Folini under CC 3.0)

According to the White House’s director of intergovernmental affairs, many Latinos stand to be positively impacted by health insurance reform.

Why? Cecilia Munoz claims that 14 million Hispanics in America are currently uninsured. 60% of them, or nine million, will be able to find affordable health insurance. This is largely due to the subsidies for lower-income individuals and families.

Moreover, that number does not include undocumented immigrants (a significant percentage of whom are Latino), who are not covered under the legislation.

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What will happen in 2014 with Health Bill

Tuesday, March 23rd, 2010

(Image: Zef Delgadillo under CC 3.0)

The sweeping healthcare bill is going to impact nearly all Americans. Some changes will take effect immediately, others will happen in 2014. Here are highlights of provisions that won’t impact people right away.

Health Insurance Exchanges will be created to make it easier for small businesses, uninsured and self employed to buy affordable health insurance. Once the insurance exchanges open health insurance companies will no longer be able to charge hike up the prices of premiums or deny sick people coverage.

Mandated Coverage will be implemented if the Senate approves the bill. Those who don’t get health insurance by 2014 will face a fine of $95 or 1 percent of their income whichever one is higher. The plan however exempts poorer families, and subsidies will be provided to families in need.

Medicaid Expansion will go into effect and will help childless adults living near poverty.

Tax breaks will be provided to families for healthcare depending on their annual income.

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4 Reasons Not to Wait any Longer for Health Insurance

Monday, March 22nd, 2010

(Image: Zef Delgadillo under CC 3.0)

1. Pre-existing Conditions Protection If you are refused coverage because of your health, you can get medical insurance from a new high-risk pool. The pool will be established within six months and will operate until 2014, when insurance companies can no longer refuse applicants with pre-existing health problems. Annual out-of-pocket medical costs will be capped at $5,950 for individuals and $11,900 for families.

2. Healthcare is Pricey Healthcare is more expensive when you are uninsured. Medical services are double the cost when you don’t have coverage. Those without insurance are usually charged full price because they don’t qualify for discounts others receive under good health insurance plans.

3. Uninsured Risks Often times, uninsured individuals end up in financial debt due to outstanding medical cost. In fact, medical bills are a leading cause of personal bankruptcy among Americans. The reality is you never know when a medical emergency will happen to you or a loved one, but having health coverage will reduce the chances of crippling medical costs.

4. Youth offers no protection Young adults tend to go without health insurance believing that coverage is just for seniors or sick people. However, persons between the ages of 19 and 29 are more likely to visit the emergency room because they don’t have health insurance. No one should start out their adult life with a mountain of medical bills.

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What does the Healthcare Bill Change Now?

Monday, March 22nd, 2010

The healthcare bill has passed after more than a year of debate and negotiations. Some of the provisions will go into affect immediately. So what does the passage mean for both uninsured and insured Americans? Here is a look at some of the major changes.

  • Seniors will get help paying for prescription drugs.
  • Individuals with income of $200,000 or more and families with a combined income of $250,000 or higher will see an increase in taxes.
  • If you already have health coverage, within six months, the plans will have to stop setting lifetime limits on coverage and canceling policy holders who get sick.
  • Insurers will also have to allow children to stay on their parents’ policies through age 26 and cover children with pre-existing conditions, but can still deny adults with medical problems until 2014.
  • By 2014, most Americans would be required to purchase health insurance or face penalties.
  • Small businesses and the uninsured would have the option of shopping for coverage in medical insurance exchanges, a marketplace in which people would be able shop for and compare insurance plans. Those exchanges would be implemented in 2014.
  • The bill greatly expands Medicaid and subsidies to the poor. Insurance companies would not be able to place lifetime caps or deny coverage to patients based on pre-existing conditions.
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    Health Bill will Pay for Itself?

    Friday, March 19th, 2010

    (Image: Zef Delgadillo under CC 3.0)

    Democrats are elated about the financial report released by the Congressional Budget Office. It estimated the health bill would reduce projected federal budget deficits by $138 billion over the next decade, with additional tax revenue and Medicare savings.

    The report is already helping move the legislation forward. Representative Bart Gordon and Representative Betsy Markey had a change of heart on the healthcare bill. Both Democrats cited the budget report as the deciding factor. Many Senators had expressed concern about the cost of the health bill and were convinced the country just couldn’t afford it.

    White House officials are now touting the budget report which they say proves the health care plan will not only save lives, but will also pay for itself in the long run.

    The federal government would spend $940 billion over the next 10 years to provide medical coverage to 32 million people who would otherwise be uninsured. More low income individuals will be covered and other families will receive subsidies on behalf of the government to purchase health insurance.

    President Obama still needs the support of about six more Democrats to reach the 216 votes needed to pass the affordable health insurance bill. Senators are slated to vote on the health bill this weekend.

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    Hard Working Americans Without Health Insurance

    Wednesday, March 17th, 2010

    Nurses, Teachers, Librarians, and other Americans whose efforts keep the community flowing– that is the face of uninsured. More and more middle class Americans are finding themselves without health insurance today.

    An article in the Dallas News shows how those numbers are increasing. Between 2000 and 2008 uninsured middle-income Texans – families earning between $48,000 and $85,000 – grew 40 percent, from 1.22 million to 1.71 million, according to data that the Robert Wood Johnson Foundation is releasing today.

    Many of these individuals were once offered affordable health insurance through their employers. But as premiums increased many companies imposed the additional costs onto employees. Often times, workers dropped their coverage because they couldn’t afford it.

    The more serious predicament occurs when the insured fall ill. Medical bills for treatment leave people in financial ruins and even worse many are refused adequate healthcare when they don’t have medical insurance. As a result, thousands of Americans die every year due to a lack of health insurance.

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    Free Surgery For The Uninsured

    Monday, March 8th, 2010

    Image: SurgeryOnSunday.org

    People who lack medical health insurance and are in need of surgery are in a major bind. Hospitals are less willing to offer charity care, due to their own budget struggles. In Kentucky, where one-third of working-age adults are uninsured, some doctors are working to change that.

    Dr. Andrew Moore has launched an innovative program called SOS (Surgery on Sunday). Once a month, doctors, nurses, anesthesiologists, and others donate their time and skills to provide free outpatient surgeries to the needy. There is a waiting list, but the order is based on the urgency of patients’ needs.

    Most of the people they treat earn too much to qualify for government-provided health insurance like Medicaid, but are unable to afford individual health insurance on the open market. Some have pre-existing conditions–largely exacerbated by lack of care and treatment–that would make a health insurance plan even more costly.

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