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New York’s Uninsured Children Don’t Have to Wait Until 2014

Nationally, the number of uninsured children decreased to 5.5 million in 2011 from 6.4 million in 2009, according to a new report by the Georgetown University’s Center for Children and Families. New York has contributed to that success by extending coverage to more children through Medicaid and Child Health Plus. The state has successfully reduced the number of uninsured children from about 205,000 in 2009 to about 181,000 in 2011.

“Children need health care coverage to grow and thrive so this is good news for New York and the nation,” said Joan Alker, Co-Executive Director of the Georgetown University research center.

New York has made progress but still ranks 6th in terms of states with the highest number of uninsured children in the nation. Half of all uninsured children live in Texas, California, Florida, Georgia, Arizona and New York.

“While the uninsured rate for New York children is heading in the right direction, we can do more toto ensure that every child has the coverage they need and deserve,” according to Kate Breslin, Executive Director of the Schuyler Center for Analysis and Advocacy.

About 96 percent of New York children have health care coverage while the success of Medicaid’s companion program, Medicare, has brought the insured rate for seniors up to about 99 percent.

In New York, school-age children are more likely to be uninsured than those age 6 and under.

“Most of New York’s uninsured children are already eligible for coverage through Medicaid or Child Health Plus but haven’t enrolled because they don’t realize they qualify or have been unable to overcome bureaucratic barriers to enrollment,” Lorraine Gonzalez, Director of Health Policy at the Children’s Defense Fund – New York.

New York is now working on making the enrollment process easier by removing unnecessary paperwork requirements and setting up an online application. Those improvements are expected to be completed by 2014 as part of the Affordable Care Act implementation.

“There’s been a lot of talk about all the help uninsured people can expect in 2014 but New York’s uninsured kids don’t have to wait that long,” said Kate Breslin. “They are very likely to be eligible for affordable coverage right now.”

To apply for public health insurance in New York, click here to find a Facilitated Enroller near you.

The Georgetown University Center for Children and Families (CCF) is an independent, nonpartisan policy and research center. Click here for the full report.

Another ACA victory: The PoopStrong Effect

Click here for more info!It has not ceased to amaze me just how many stories of people who have been helped by the ACA continue to come out of the woodwork.

The most recent one to hit the media’s attention is that of 31 year-old Arijit Gurha, a graduate student at the University of Arizona who was recently diagnosed with stage 4 colon cancer.

Unfortunately for him, his Aetna student health plan had a $300,000 lifetime benefit limit.  Needless to say, the plan offered little protection to him once his cancer was discovered.

Arijit’s story has a happy ending, thanks to three very different aspects of the ACA: (1) a new provision that says that student health plans can no longer have lifetime benefit limits or unreasonable annual limits, (2) the new pre-existing condition insurance plan, and (3) the new scrutiny that the ACA has brought onto both health insurer profits and spending through the new MLR rules, and on consumer protections.

See, Arijit was eventually given the option of securing coverage through a newly renegotiated student health plan or the PCIP.  However, his six months spent undergoing lifesaving cancer treatments with no health insurance benefits left him with over $100,000 of debt.

His fundraising blog, aptly titled poopstrong.org, helped him raise some money, but it wasn’t enough.  So, Arijit decided to put Aenta’s feet to the fire by utilizing his Twitter account.  The New York Times’ Well Blog has a great account of the conversation that ensued, which you can read here.  But the amazing thing is that IT WORKED.  Yes, that’s right, in the end, Aetna agreed to pay the over $100,000 debt he had accrued since hitting his lifetime max.

How was this possible, you ask? Well basically, it had to do with what I’d like to refer to as the PoopStrong Effect.  Basically, because of the new consumer protections written into the ACA, health insurance profits and spending have begun receiving a whole lot of attention from the mainstream media.  Pair this with a young person with an incredibly compelling story and the power of the internet behind him, and a forthcoming law that will change the rules in his favor, and you’ve got yourself the perfect conditions to bring forth some serious health plan PR damage control. 

Two years ago, before the ACA became law, the PoopStrong Effect would have never been possible.  Remember the 2007 Michael Moore film “Sicko”? A great conversation starter, but it didn’t do much to help the folks profiled in the film who had suffered from insurance industry abuses.  Yet today, a young guy with cancer and a twitter account is able to move a mountain.

The landscape has certainly changed, hasn’t it? And for that, we can thank the ACA.

 

I am broke, and therefore…invincible?

The whole argument that young people don’t buy insurance because they don’t think they need it (i.e. the “young invincibles” stereotype) has bugged me for some time.

Having somewhat recently emerged from the 19 -29 age bracket, I can say firsthand that it never occurred to me at any point during my free-wheeling years that I didn’t need health insurance.  Any gaps in my coverage were purely due to the fact that I was between jobs and didn’t have the income to pay for COBRA coverage.  The same went for most of my friends too.  Not having health insurance when you are financially on your own is stressful.

Now, that’s not to say that there aren’t some young, extreme sport Mountain Dew enthusiasts out there who really do revel in taking risks, or independently wealthy young folks who can afford to pay for any health care out-of-pocket.  But, those really do represent the minority among young people.

I’ve long been a believer that the term “young invincible” was one coined by the insurance industry as a way of convincing the public that what young people really want is cheap, crappy insurance products with huge deductibles that won’t do us a lick of good when we actually need it, or plans that won’t help us at all if we develop an itchy eye infection from sleeping in our contact lenses, but might cover a few days on a ventilator if we get hit by a Mack truck.

And sure, young adults are as a whole healthier than older adults, but most of us know someone our own age – if not ourselves - who have gotten sick.  Like, really sick.  A good friend of mine got skin cancer on his face when he was 23.  Another guy I know got testicular cancer at 26.  A girl I waited tables with in college struggled with uterine fibroids for years.  Another girlfriend fell playing basketball and knocked out her two front teeth!  Trust me – we just want what everyone else wants: good,  affordable coverage that we can rely on when we need it.

That’s why I found a new report issued by the Commonwealth Fund recently to be a breath of fresh air.  The report surveyed young adults aged 19-29 on health insurance.  It found that of young adults who are offered health insurance through their jobs, 64% end up taking it up.  Of those 36% that don’t take it up, only 6% said it was because they didn’t need it.  The other 30% were either already covered elsewhere, or simply couldn’t afford it.  In fact, 36% of all young adults said they had problems paying medical bills or were paying off medical debts over time.  For those who had no insurance, 51% said they had problems with medical bills.  

Doesn’t really sound like a population that is touting their own invincibility, does it? I mean, remember, these are the same people who rushed out by the millions to get on their parents’ insurance plans once the ACA gave them the green light to do so. 

Anyways, it’s a good report to check out.  If anything, it confirms what most of us youngins (and former youngins) already knew.

Click here to read the Commonwealth Fund report, titled, “Young, Uninsured, and in Debt: Why Young Adults Lack Health Insurance and How the Affordable Care Act is Helping.”

And, here’s a related article from Kaiser Health News, titled “Survey: Young Adults Don’t Necessarily Fit ‘Young Invincible’ Stereotype.”

 

Don’t deny us!

The Colorado Consumer Health Initiative (kind of like the HCFANY of Colorodo) - one of the masterminds behind the #ThanksObamacare campaign – has put out an amazing video on the effect that the upcoming Supreme Court ruling will have on the millions of Americans who stand to benefit, or are already benefitting, from the Affordable Care Act.

It really does a great job of driving home the message that this decision will have a very personal effect on every single one of us.  Check it out, and definitely be sure to tweet/facebook it out to your own networks!

 

Martha takes on the ACA

Not sure if anyone caught this, but a couple of months ago (3/19) Martha Stewart hosted National Physicians Alliance (NPA) President Dr. Valerie Arkoosh onto her show to talk about the Affordable Care Act. 

Valerie did an amazing job of explaining the law in a way that makes sense to a broader television audience, even spelling out many of the benefits available to specific populations, like seniors and children.  She also gave some insights into why this is such a contentious issue for many folks (i.e. politics, misinformation, and the individual mandate).  It’s worth a watch, if you get a chance!

 Watch the segment here.

 

The Perfect Mother’s Day Gift

Guest Blogger, Maryanne Tomazic, Field Coordinator, Raising Women’s Voices

This weekend is Mother’s Day. My inbox is full of e-mails from various fruit, flower, and chocolate companies reminding me to send a gift to my mother. Unfortunately, my mom doesn’t like those traditional gifts. I once bought her a box of pears – to which she pointed out I could get twice as many pears for half the price at Costco. When I bought her a bouquet of white tulips, I received an angry voicemail reminding me that in Chinese culture, white flowers were synonymous with death. And chocolate – well that just brought on the rant of overpriced gifts with useless wrapping that is a ploy to make me waste my money on nothing.

“If you want to give me a present,” she always said. “Go to school, get good grades, and get a good job.”

The wish for a good job was just as much about financial independence as it was about the time-sensitive concern of insurance. Our health insurance company would only include me in the family plan if I was under 21 years old, or if I was under 23 and still in school.  In either scenario, upon graduation, I would need to have a job with health benefits by July or, much to my mother’s fear, become uninsured.

My mother didn’t have to worry because I was fortunate to get a job with great health benefits. But not all of my friends were as lucky. Many of them graduated and couldn’t find a full-time job or a job that offered health care coverage. They became uninsured and unable to afford the care they needed to stay healthy.

Luckily, my friends have the perfect gift for their moms this Sunday: the ability to stay insured.

Because of health care reform, children up to age 26 can stay on their parents’ health care plan as long as their own employer does not offer health benefits. What a relief for mothers across the country! No more worrying about that two month crunch to find a job, or the need to have their child stay in school simply to receive health insurance. Children don’t even need to be living at home to stay on their parents’ plan. They can maintain access to the medical care they need, during one of the most uncertain times of their life.

So for all you young adults out there with mothers like mine – who hate traditional gifts and only want promises that your future is taken care of – you now have the perfect gift.  You won’t need to wrap it or even worry that it won’t come in time, because it is already here. Over 150,000 young adults in New York have gained coverage because of this provision, and you can be one of them too.

Happy Mother’s Day, Mom!

For more information about how moms benefit from health care reform, visit Countdown to Coverage or the Coverage Checklist: Moms and Our Families. Also check out our Twitter and Tumblr for pictures of moms & kids who love the benefits they get from health care reform!

Staying healthy is worth a lot, at any age

It seems like for a while there all the talk was about the so-called “young invincibles” – a free-wheeling breed of thrill-seeking young adults who have no desire for comprehensive health insurance, but rather prefer more risky alternatives such as health savings accounts or a pack of Hello Kitty band-aids and some strong whiskey.  

And yes, young adults below the age of 30 really are more likely to be uninsured.  But, is that really because young people suffer from a mass delusion that makes them not want health security? Or could it be the lack of affordable options, the depressed job market, and the decline in employer-sponsored plans that could account for these high rates of uninsurance?

Turns out it’s the latter.  This week the National Center for Health Statistics at the Centers for Disease Control and Prevention (CDC) announced that approximately 2.5 million young adults gained health insurance in the past year since the dependent coverage expansion up to age 26 took effect under the Affordable Care Act.  That’s a whole lot of young people!

Now all of a sudden, the talk of young invincibles is nowhere to be found.  Instead, the media has been flooded with stories of young people around the country who have jumped to sign up for coverage under their parents’ plans and who can now rest easy knowing their health needs will be taken care of. 

The video featured above comes from the Campaign for Better Healthcare, out of Illinois.  It highlights interviews from just a few of these young people who are benefitting from the new health reform law.

And, for many young adults, it’s not just peace of mind gained.  In some instances, it is another chance at life. Ryan Schuessler, a 24 yr. old from Wisconsin found out he had stage 4 Burkitt’s Lymphoma just as he was about to graduate from college. The treatments he needed to save his life cost over $500,000. But, because Ryan was able to get on his parent’s plan, he doesn’t have to worry about how he’s going to pay for his medical bills. He’s just happy to be alive. Click here to watch Ryan’s story.

Here are a couple more of stories below, though these are just a sampling of the more than 2.5 million personal stories out there: 

 

FE? REACH-Out and help kids renew their health insurance!

Here is a note of interest for any community-based facilitated enrollment agencies out there.  The Community Service Society has issued an RFP for a new project titled the Retention and Enrollment Assistance through Community and Healthcare Outreach (REACH-Out) Project (say that three times fast). 

The goal of the REACH-Out project is to increase statewide retention rates for low-income kids in New York’s public health insurance programs. The RFP is open to facilitated enrollment (FE) lead agencies and FE subcontractor organizations.

Applications are due Friday, October 21. Questions on the RFP and Project are due by September 30th to Catherine Chao at cchao@cssny.org.

Click here to view the RFP.

 

 

KidsWell Campaign Launches Website and Online Resource Hub for Health Reform Implementation

KidsWell, a campaign dedicated to the successful implementation of federal health reform for America’s children, launched www.KidsWellCampaign.org, a website monitoring state and national health care reform implementation and opposition across the country. Check it out!

CSS, SCAA, and CDF-NY are partners of the KidsWell Coalition, a diverse network of state and national organizations supported by The Atlantic Philanthropies and working on behalf of children to increase health coverage and ensure successful implementation of health care reform. This is the campaign that is supporting the work behind the Children, Youth and Families Task Force of HCFANY.

The website focuses on health insurance coverage programs and provisions under the Affordable Care Act, including Medicaid, the Child Health Insurance Program, Health Benefit Exchanges, and health insurance regulatory reforms.  It was designed to support child health advocates, but also provides transparency and accountability on health care reform implementation more broadly, benefitting policy makers, researchers and the public. 

Click here to read the KidsWell issue brief Health Care Reform in the States: A Snapshot.

The ACA brings good tidings for kids, big and small

In New York, kids have the greatest access to affordable health insurance.   Those in families who earn up to 400% of the Federal Poverty Level (about $73,000 for a family of three) are eligible to enroll in Child Health Plus, a state-subsidized health care program that offers low-cost, high-quality care.  

But for kids enrolling in private health insurance plans, simply being enrolled has not always been enough.  Before the Affordabe Care Act (ACA),  health insurance plans in New York were allowed to  impose a waiting period for kids of up to a year for care relating to pre-existing conditions.

As a result of the ACA,  health plans are now prohibited  from imposing these waiting periods on coverage for kids with pre-existing conditions. It is estimated that 1.1 million kids with pre-existing conditions in New York are now protected because of this provision.  In 2014, this protection will be extended to adults as well.

For bigger kids (over age 19) the ACA brings new options for health insurance coverage.  Young adults who do not have job-based coverage are now allowed to stay on their parent’s plans until the age of 26.  It is estimated that 74,600 young adults in New York could gain insurance coverage as a result of the new law.  Existing New York law also states that after age 26, young adults who need to could remain on their parents’ job-based coverage through more expensive, COBRA-like benefits as well.  With the state still recovering from the economic recession, this comes as an added boon to new graduates.

These new insurance protections bring a higher level of health and wellness to New York’s youth, and greater peace of mind for parents as well. 

Peg, a mother of 2 from Binghamton, NY, had this to say about the ACA:

“As a parent of a 23 year-old college graduate student, I am thrilled to learn that my daughter, who will be graduating in May, will be covered by my health insurance until she is 26.  I was concerned how, as an unemployed graduate, we would afford the high monthly cost of health care until she found a full-time job with benefits.  This new law gives me peace of mind as a parent, knowing that she will have access to complete medical care for the next two years.  Thank you, President Obama!”

Another mom we spoke to from Endwell, NY, said this:

I am a mother of two sons under 26 – both are out of college and working, and neither have health coverage at their jobs.  I have enrolled them both under my family coverage at work.  Now I don’t have to worry what would happen if they were to get sick or injured.  I am very thankful for the new health care benefits!”

To learn more about how the ACA is helping kids and young adults, check out the following:

Think you or your child might be eligible for coverage under any of these new provisions or Child Health Plus? Want more information or help signing up? Community Health Advocates can help! Contact them at 1-888-614-5400 for FREE assistance with all your health insurance needs. 

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