At HCFA, we regularly get daily doses of reality. Here are two recent examples:
"I currently have no health insurance, its a god dam ripoff. Been paying $4000 a year for $5000 deductable. No claims for ten years, just $40,000 out the window. Finally had a $6000 operation, they agreed to pay 80% of costs minus $5000 deductable. So they paid nothing, and billed me another $4000 for another year with worse deductable. Out $10,000 for the year and they pay nothing? Screw them. I've switched my health plan to Dr. Kavorkian's jail house phone number outside Detroit. He'll tell me what kind of anti-freeze to drink when the bad one comes, and a lot cheaper than those 3-martini health insurance execs. Health insurance should have nothing to do with employment or employers. Its dragging down hiring and profits. Everyone is in and out of jobs or unemployed."
And here's a brief case synopsis from our HelpLine director, Michele Lee:
"I spoke with a woman who has been caretaker for her now adult disabled son. She just lost MassHealth because social security puts her over-income. She has cataracts and has lost sight in one eye. Now that she can’t see the doctor who has been treating her, she fears the state will find her unfit to care for her son and separate them. It is unlikely this will happen, but that’s her fear and nothing I say can allay it. HLA has put her case on the docket; we’re hoping for a mini-miracle."
Today, the Affordable Care Today! Coalition (formerly the Massachusetts Heatlh Reform Coalition) released a poll conducted by respected pollster Tom Kiley on attitudes of Massachusetts voters toward health reform. See the results by clicking here. Among the key results, health care has moved from the third most important issue in the public's mind in November 2003 to the first ranked issue in March 2005. While voters are not favorably disposed toward most tax increases, they support increased tobacco taxes and assessing employers who don't provide health coverage to their workers. As we all know, public attitudes can be fickle, and one poll is only one poll. Still, there has been remarkable consistency since the late 1980s on the issue of employer responsibility to cover their workers -- between 2/3 and 3/4 of the public agrees.
Today's Boston Globe reports new Massachusetts data on infant mortality. "In 2003, the year covered in the report presented by the state Department of Public Health, 4.1 of every 1,000 white, non-Hispanic infants born in Massachusetts died before reaching their first birthday compared with 12.7 of every 1,000 black, non-Hispanic infants. The comparable figure for Hispanic infants was 5.6, and for Asian babies 2.7." Check out the full story by clicking here. Since mid-1990s, with fits and starts, African American infant mortality has been trending in the wrong direction. Perhaps tied with life expectancy, there is no more important measure of a society's health than infant mortality.
This is one reason why the Special Legislation Commission on Racial and Ethnic Health Disparities' work is so important. The Commission, which began work late last year, will release a report this coming November providing details on the state of our state's health disparities. For info on the Commission, click here.
Our sister organization, Community Catalyst, has collaborated with other organizations to create a great new and free website of information, analysis, and materials to help in the fight to protect Medicaid from cuts by Congress. The site is called "Medicaid Matters," and it's full of useful resources usable anywhere in the nation. Other sponsors include FamiliesUSA, the Center on Budget and Policy Priorities, Neighborhood Health Plan, and others.
The fight to protect Medicaid in the Congressional budget process is happening right now. See our April 14 entry for recent details. Because of the letter signed by 43 House Republicans and sent last week to House budget leaders, there are now clear majorities in the Senate and House on record against the $15 billion in cuts aimed at Medicaid. This fight is far from over. "Medicaid Matters" is your best toolkit to get involved.
Beginning next Monday, the Mass. House of Reps will begin debating the FY06 state budget. The House budget writers left out a lot of important items to help uninsured folks get coverage and to help folks already on MassHealth get needed services such as adult dental care. You can send an email message to your state rep and senator today in less than two minutes by clicking here. The debate will last until the end of next week so you have lots of time to give less than two minutes -- please pass the link on to others.
President Bush and Republican leaders in Congress want us to believe that “health savings accounts” are the answer to the problem of uninsurance and health costs. These policies, aggressively marketed across the nation, include high deductibles of at least $1000 for individuals and $2000 for families, combined with a $500 personal savings account that can be rolled over from year to year. HSAs were established by Congress in the 2003 Medicare Modernizatin Act.
We consider the trend toward “consumer driven” health care policies a scam, designed to lure unsuspecting consumers into products that provide fewer benefits with higher cost sharing – with no regard to ability to pay.
Now the Congressional Research Service, in a new report, concludes HSAs will reduce utilization by stopping policy holders from seeking medically necessary care, and they are not likely to cut the number of uninsured or reduce health care spending, in an April 14th report. "It would be unreasonable to expect them to produce a significant reduction in the nation's health care costs," the report stated. Five percent of individuals account for about 50 percent of health care costs, and 20 percent account for 80 percent, the report said. "HSA plans with their relatively low out-of-pocket maximums will have little impact in reducing the health care spending for these groups," CRS said.
Some question whether it is fair that the biggest tax savings under HSAs "will likely flow to healthy, higher income taxpayers," the report said. "Some might also question whether the revenue loss is an appropriate use of federal health care resources, given the many people in the country who have no health insurance whatsoever."
t didn't get much play on its release, so I'd like to give it a hand. Uninsured in America is a new book by Susan Starr Sered and Rushika Fernandopulle, published this year by University of California Press, exploring the real-life experiences of 120 of America's 45 million uninsured. They write about the working poor, victims of divorce and domestic violence, folks injured in the workplace, self employed, the mentally ill, the young, and all the special categories of those who fall between the ever-growing cracks in our health care non-system. I said it on the dust jacket, so I'll say it here: "The next time someone tells you the United States has 'the best health care system in the world,' ask them to read this powerful, heartbreaking book. Never have the real stories of America's uninsured been told with such clarity and insight." Click here to go to Amazon's page for the book, and give it a look-see.
One of HCFA's three awardees at our annual celebration is the Island Health Plan, an innovative mix of programs to provide decent and affordable health care services to the thousands of uninsured folks on Martha's Vineyard. A good sized group of folks took the long trip to Boston to participate in the event, including a journalist from the Martha's Vineyard Times who wrote a good account of the event and a nice description of the Island Health Plan. Click here to see the piece, and happy weekend.
Count 'em ... 43 US House Republicans (37 of whom voted for last month's budget resolution) have signed a letter urging House budget conferees to include no cuts to Medicaid in the Conference Committee's upcoming budget resolution. Last month, the House voted to include $20 billion in cuts, at least $16 of which would come from Medicaid. The Senate, in a dramatic fight, last month voted 51 to 49 to oppose the same cuts.
While it's gratifying to see a critical mass forming to oppose cuts to the nation's critical health program for poor Americans, it's hard not to catch the whiff of hypocrisy. The day before, all of the 43 voted for permanent elimination of the estate tax, which would drive the nation's economy deeper into economic serfdom. Call me old-fashioned, I remember when fiscal conservatism meant honest budgeting -- now it means cut taxes and damn the consequences.
Everywhere in health care, increased cost sharing is the rage: copays, premiums, and most insidiously, deductibles: not little ones, $1000, $2000, $5000, and even $10,000. Lots of people don't even know they're on the hook until they get sick and the hospital has to deliver the news and collect the damage. The other day, a local physician described her frustrations being left on the hook for much of this cost sharing, and seeing lots of patients with no ability to pay. We're kicking off a process to get to the real story behind today's cost sharing nightmares and invite you to participate. Please use the form below to send us anecdotes, stories, impressions, insights or whatever. This is just the start.
Brockton – The City of Champions — had another winner last night: a powerful “speak-out” with 150 chanting, cheering “working family” members urging legislators – Reps. Christine Canavan, Geraldine Creedon and Kathy Teahan – to challenge Gov. Romney as “he runs for President on the backs of the poor.” Our Southeastern Massachusetts partners, the Coalition for Social Justice, did a fantastic job organizing the event – complete with fact sheets, noisemakers, chants and a “Tax Fairness” song to the tune of “The Hokey Pokey”.
The three biggest applause lines: “Let Governor Romney try a low-income person’s life a little before trying to get every last nickel and dime from them!” “Don’t shop WalMart!”; and, (from a local business leader): “I don’t mind paying my fair share of taxes. I do mind the Governor reneging on his promise to not cut Mass Health and other essential services because he won’t force multi-state and multi-national businesses to pay their fair share”!
The Ways and Means Committee of the Mass. House of Reps. released their budget proposal today. It was disappointing for many health and human services groups, including HCFA. We will seek through amendments to: restore benefits such as adult dental services, dentures, and eyeglasses; lift enrollment caps on key MassHealth programs such as Essential, CommonHealth, and the HIV Program; reinstate coverage for 10,000 low income, elderly, and disabled legal immigrants cut in 2003; and more.
Tomorrow, the Mass. House Ways and Means Committee releases its budget proposal for state fiscal year 2006 starting July 1. The House debate will occur during the week of April 25. Senate Ways and Means is expected to release its plan in early May with debate during the 2nd or 3rd week of May. We're not expecting to see cuts in health access programs -- key will be the extent to which either branch will restore some of the cuts from prior years or undertake any access improvements for key health issues such as MassHealth Essential, legal immigrants, or adult dental coverage. We're still waiting for any word on the scheduling for hearings on the health reform plans now before the Legislature: Governor Romney's, Senate President Travaglini's, or the Moore Blumer Health Access and Affordability Act. There's also the possibility that Gov. Romney's bill will be referred to a different committee than the other two, creating some early confusion about who's on first in the Legislature's review. Lots and lots going on between now and the end of July when everyone can take a breather.