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Healthinsuranceinfo.net A consumer guide for getting and keeping health insurance for each state and the District of Columbia. Centers for Medicaid and Medicare Services HIPPA: The Health Insurance Portability and Accountability Act of 1996: Know Your Rights!
Insure Kids Now!
Sound Partners for
Community Health Unequal Treatment: Confronting Racial and Ethnic Disparities in Health Care (2002)- National Academies Institute of Medicine
Healers Go for the Well-Heeled |
According to the document, "Key Facts About the Uninsured," from FamiliesUSA, 43 million Americans are uninsured. Eight out of ten of uninsured are in working families. The average family health plan is quite expensive, costing $6,351 annually. Lower wage earners are less likely to be offered coverage at work and even when they are offered coverage, they have to pay more to take advantage of the offer. The uninsured are more likely to be hospitalized for conditions that could have been avoided such as pneumonia and uncontrolled diabetes. Uninsured cancer patients are more likely to be diagnosed with late stage cancer. When the uninsured receive medical care they are often charged more than insured.
Some children who are severely disabled lose critical health care benefits such as nursing coverage when they reach 21. See the case of Nicholas Dupree who lives in Alabama. According to Steve Shivers, Alabama's Commissioner of Rehabilitation Services:
The state of Alabama does not offer service of any kind in home to people who are disabled and on ventilator support. The ESPDT waiver will terminate on his [Nicholas Dupree's] 21st birthday.
Many Americans find themselves medically uninsurable at the most inopportune times. Why this is so in one of the wealthiest countries in the world is a complex question. The following letter, which was written to Congressional and Senate representatives, is only a small example of what can happen, even to those who responsibly plan for their medical insurance needs. Certain parts of the letter were deleted to maintain the author's privacy.
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This letter is to inform you of a predicament that I am in. I am writing because I believe this predicament probably effects millions of Americans. In part, it reflects a basic unfairness in American society. Further, the cause of this unfairness lies squarely in the hands of the United States Congress and the various state governments, including that of California. I am ** years old and in good general health. I was recently laid off by my employer. One week prior to the cessation of my medical coverage, I went to see a doctor for a medical examination. The physician indicated that I had a mild *********. A second physician concurred in this diagnosis. Because the problem was minor, surgery was not indicated or recommended. In fact, surgery may not be need for many years. In all other respects I am considered in good health. However, as a result of this diagnosis, I am now medically uninsurable through private insurers. I will take advantage of COBRA and attempt to continue medical and vision benefits for the next 18 months under my former employer's health plan. Thereafter, if I have no breaks in medical coverage, I will be eligible for a so-called "conversion plan" that will offer me a very high deductible and correspondingly high premiums- beyond what I can afford. With this "conversion plan," I will not have to satisfy any pre-existing condition requirements. My other alternative is to seek a state sponsored medical plan alternative, offered by the Managed Risk Medical Insurance Board. This plan offers caps of up to 50,000 per year ($500,000) lifetime for medical illness. For many medical treatments, this is a proverbial "drop in the bucket." [Update 2/02: This paragraph is factually incorrect: an individual covered continuously for 18 months may be eligible under HIPAA (The Health Insurance Portability and Accountability Act), for continued coverage, without pre-existing condition exclusions, under plans that while expensive, may be of higher quality than a typical insurance company conversion plan. Further, the insured has the ability to shop plans, provided they act within 63 days of plan termination and have a Certificate of Creditable Coverage (proof of prior coverage).] It should be noted that, if for financial reasons, I can not pay the COBRA medical premiums, my only alternative to procure coverage will be the MRMIB plans or another employer who offers a group plan (who may also have a waiting period- creating another gap in coverage). If I am merely late in paying a premium, beyond the insurer's grace period (usually 30 days), I will also lose my entitlement to guaranteed coverage. The insurer will have no inclination to reinstate my medical coverage. In summary, if someone is deemed medically uninsurable, they are put in extreme financial and personal risk. Even someone who is in relatively good health, potentially not requiring any surgery for many years, may be unable to find and keep coverage. The solution to this problem- if one ignores the influence of various special interest groups- is really quite simple. Provide that all individual and group medical policies must be underwritten by all insurance companies without regard to the health of an applicant. Further provide, that an insurer may not charge more for a policy, or rider out health conditions due to the ill health of an applicant. Many of these provisions already apply to small group medical insurance in California. They would not discriminate against any individual insurer or insured. In cases where individuals could not afford the insurance premiums, they might receive tax credits, loans and/or subsidies. The only alternative to this proposal under the present medical insurance system is either to effectively not provide needed medical care for uninsured sick individuals or to have "others," ultimately the taxpayer, shoulder the costs. In the latter case, medical procedures are often delayed and financially devastating- adversely effecting the long-term health of the ill person. Is it right that employees should be afraid to lose or leave their jobs because of fears they will be uninsurable? Is this individual truly free in any meaningful sense of the term, particularly since the sick are often the least employable? Of course, preferable to our current patchwork system would be one of universal and compulsory coverage for all Americans. A system that ensures the sick will always receive needed, timely and affordable treatment. My life has not yet been ruined by the current laws surrounding health care in the United States and California. Can you assure me that 18 months (or less) from now- it won't be ruined? If I am unlucky or unfortunate enough to fail to continue and extend coverage, whatever savings I have would evaporate if serious medical conditions arose, my health would not be attended to, I would be unable to procure work and I would deemed "unproductive" by the society. Is this what you want to happen? Postscript: This letter was sent to various California Congressmen and Senators over three years ago- none responded... |
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