Children's Health Insurance Plans Regardless Term Paper

Download this Term Paper in word format (.doc)

Note: Sample below may appear distorted but all corresponding word document files contain proper formatting

Excerpt from Term Paper:

" (National Conference of State Legislatures Forum for State Health Policy Leadership, 2007). However, regardless of state, the applicants have to meet certain qualifications. First, applicants have to be both uninsured and not eligible for Medicaid for other forms of state sponsored insurance. In addition, not all S-CHIP recipients have to be children; states can get waivers to use S-CHIP funds to cover adults. These other recipients are generally adults who are responsible for S-CHIP eligible children, and/or pregnant women. However, "at the end of 2005, four states had waivers to use SCHIP to cover childless adults, and nine states cover unborn children who will be eligible for SCHIP at birth as well as prenatal and childbirth services for the mother of the child." (National Conference of State Legislatures Forum for State Health Policy Leadership, 2007). The fact that states have chosen to do this reaffirms the concept that the public wants access to low-cost health insurance for low income families.

However, the federal government's position on S-CHIP has not been consistent. The federal government developed the S-CHIP program and provided significant funding for the first years of the program, which led to it being successfully implemented in a large number of states. However, the overall healthcare crisis has caused many to call for a government-sponsored universal healthcare plan, and S-CHIP and Medicaid have been caught up in this political dispute. While many are supportive of such an idea, others are vocally opposed to it. Unfortunately, this debate over universal healthcare has threatened to impact the S-CHIP program. Proponents of S-CHIP claim that it has been very successful:

By every measure, the ten-year-old program- passed during the Clinton administration as a bipartisan, incremental effort to expand health coverage to millions of poor kids - has been a success. Thanks to S-CHIP, the number of low-income uninsured kids dropped by one-third over the decade, even as the number of uninsured adults went up. Three out of four eligible kids participate, and studies show they receive preventive care and have improved health outcomes and school performance. (Lieberman, 2007).

Despite its apparent success and the support of state officials, S-CHIP has not garnered the type of support from the federal government that one might anticipate from a successful program aimed at helping needy children. House and Senate bills aimed at increasing S-CHIP coverage have been defeated or critically altered, and proponents of S-CHIP suggest that insurance lobbyists are responsible for that defeat. In addition, Bush threatened to veto bills that would expand S-CHIP because of concerns about government-run medicine. In fact, Bush only wanted to add an additional $5 billion to S-CHIP, would not have been "enough to maintain the 6 million kids who are currently covered." (Lieberman, 2007). In fact, the Bush administration:

short-circuited the legislative process, issuing a 'guidance' that makes it impossible for states to expand coverage to kids in families whose incomes are above 250% of the poverty level unless the state can show that 95% of children in families under 200% are enrolled, a standard that's unachievable for a voluntary program (participation in Medicare Part B is about 93%, and enrollment is automatic). The number of uninsured children has started to climb again, as employers continue to drop coverage for their parents. Loss of employer coverage has declined for families at all income levels targeted by S-CHIP expansions. (Lieberman, 2007).

The new guidelines immediately impacted S-CHIP, and states that had planned to expand their programs were unable to do so.

While the federal government may not have a consistent view about S-CHIP, state officials do not have the same mixed emotions about the programs. State officials overwhelmingly support the S-CHIP, probably because they can tailor the program to fit the needs of individual states:

It's flexibility allows states to tailor their own programs or build on existing Medicaid arrangements to target children typically in families with incomes of up to 200% of the federal poverty level (about $41,300 for a family of four this year). Last year 91% of kids on S-CHIP lived in families with incomes at or below that amount. States have stepped in to fill a gap the federal government has refused to address: Nineteen states target or plan to target kids from families whose income is greater than 250% of the poverty rate, and some cover pregnant women and parents of eligible kids, a strategy that has proved successful in reaching more children. (Lieberman, 2007).

S-CHIP opponents believe that families in the upper-ranges of S-CHIP eligibility can find service in the private insurance market. They suggest that "public programs like S-CHIP... 'crowd out' insurance sold by WellPoint and United Healthcare, depriving them of profits they earn selling coverage to S-CHIP families." (Lieberman, 2007). However, the reality is that, if forced to resort to private insurance, many of these families would simply be unable to afford medical coverage. "The price for family coverage now averages $12,000, or about 20% of income for a family of four with income at 300% of the poverty level." (Lieberman, 2007). While bare-bones policies are available at a reduced cost, they offer greatly reduced benefits as well. For example, a policy sold by Anthem Blue Cross and Blue Shield in Ohio offered deductibles ranging from $4,000 to $40,000, covers only two doctor visits per year, and requires a 30% copay of any doctor bill. (Lieberman, 2007). In addition, many of these reduced-cost policies specifically exclude the very children who need health insurance the most; children with pre-existing chronic health conditions.

In fact, failure to fund S-CHIP has a potential to have a tremendously negative impact on children. Failure to reauthorize S-CHIP and fully fund it can result in states enacting cost-saving measures like waiting lists, enrollment caps, or removing people from the lists. It could also result in delaying outreach to eligible, unenrolled children. Perhaps the worst potential problem is that it could erode the public's confidence in the program, which would make it more difficult to later reenroll people who are disenrolled because of the cuts. (McInerney, 2007).

The most likely result of drops in S-CHIP funding is that "states may need to stop enrollment, erect enrollment barriers or even disenroll children from the program." (McInerney, 2007). The fact is that, without continued support, states will run out of funds to support their programs. As a result, states will have to curtail their programs in some significant ways. That means that either states will have to help fewer children, or the children will receive reduced benefits. In California alone, approximately 66,000 children per month were facing disenrollment if the budget shortfall was not addressed. (McInerney, 2007).

Furthermore, though S-CHIP has been tremendously successful at enrolling kids in need, the fact is that there are eligible children who have not been enrolled. Fearing a lack of future funding, some states have become very hesitant about expanding their outreach efforts. "Without the assurance of a continued SCHIP funding stream, states worry that bringing more children into the program could jeopardize states' ability to cover already enrolled children. States are also wary about offering coverage to children they may have to disenroll if funds run out." (McInerney, 2007).

In fact, understanding the potential impact on an individual state's S-CHIP programs is perhaps best explained by looking at what happened to Louisiana's program when it faced a decline in funds. Louisiana:

has been extraordinarily successful at enrolling children in SCHIP and Medicaid over the past decade. Between 1999 and 2005, the percentage of all uninsured children in the state fell from 23.8% to 8.4%, largely as a result of increased enrollment in SCHIP and Medicaid. The percentage of uninsured low-income children below 200% of the federal poverty fell even more dramatically, from 31.6% in 1997-1999 to 10.9% in 2006, as Louisiana went from the fifth highest percentage of uninsured low-income children to the tenth lowest. The state simplified enrollment procedures through facilitated enrollment, as well as other outreach strategies such as sending applications home with students, provider education, and producing public service announcements to advertise the program. (McInerney, 2007).

Finally, when funding is threatened and states respond by making program changes, they can find those changes very difficult to undo. For example, if a family has previously been declined S-CHIP enrollment, or disenrolled, it may be difficult to get them to re-apply for benefits:

For example, Texas responded to a fiscal crisis in 2003 by approving administrative rules designed to lower enrollment. These rules included reducing continuous eligibility from twelve to six months (making families renew coverage twice in one year), implementing a $5,000 asset limit, and eliminating all deductions from income, such as child care costs. The changes reduced coverage significantly, as enrollment declined by over 200,000 children over the next four years. In 2007, Texas rolled back many of these enrollment barriers by returning to a…[continue]

Cite This Term Paper:

"Children's Health Insurance Plans Regardless" (2008, January 28) Retrieved December 10, 2016, from http://www.paperdue.com/essay/children-health-insurance-plans-regardless-32611

"Children's Health Insurance Plans Regardless" 28 January 2008. Web.10 December. 2016. <http://www.paperdue.com/essay/children-health-insurance-plans-regardless-32611>

"Children's Health Insurance Plans Regardless", 28 January 2008, Accessed.10 December. 2016, http://www.paperdue.com/essay/children-health-insurance-plans-regardless-32611

Other Documents Pertaining To This Topic

  • Candian vs U S Healthcare Many

    S. is the issue of waiting times. Wait times for services are affected by several factors. Both countries are plagued by excessive wait times for certain services, such as specialists, surgery, or specialized treatments such as that for specific cancers or heart conditions. In both the United States and Canada, waiting times are determined in part by the number of providers available to provide that service in a certain geographic

  • Healthcare Disparities Race Related

    Health Care Disparities Race Related Healthcare disparities Serial number Socioeconomic status and health Correlation between socioeconomic status and race Health insurance and health Who are the uninsured people? Causes of health care disparities Suggestions for better health care system The latest studies have shown that in spite of the steady developments in the overall health of the United States, racial and ethnic minorities still experience an inferior quality of health services and are less likely to receive routine medical

  • Health Care Disparity in Maryland

    Chapter II: Review of the Literature in Chapter II, the researcher explores information accessed from researched Web sites; articles; books; newspaper excerpts; etc., relevant to considerations of the disparity in access to health care services between rural and urban residence in Maryland and the impact of the lack of financial resources. The researcher initially accessed and reviewed more than 35 credible sources to narrow down the ones noted in the

  • Health Politics What Is the Role of

    Health Politics "What is the role of Congress in policy making process"? Policy is a plan to identify goal or possible course of actions with administrative or management tools to accomplish these goals. On the other hand, policy is the authoritative decision made by the U.S. executive, legislative, judicial branch of government to influence the decision of others. Government is a key player in decision-making process and congress plays important roles in

  • Health Care Industry in America Today Is

    health care industry in America today is suffering greatly. It is suffering from spiraling costs, decreasing availability of qualified personnel, increasing demand for its services, and uncertainty relative to its future. Some of these problems are the result of mismanagement, lack of foresight, an aging population, and, perhaps greed but regardless of the causes the solutions must be determined and the present political climate makes this difficult. The Obama administration

  • Health Education Plan Issues of

    It has been said that all types of therapy, regardless of the type, must be characterized by "constancy of therapist's interest no matter how disturbing the subject; suspension of moral judgment; therapist's empathy, insight, understanding, and acceptance; patient's opportunity to speak the unspeakable now; reliability of therapist in keeping appointments, the duration of the session; the attempt to put patient's welfare first; the safe environment that the therapist's structure provides

  • Healthcare Organization and Finance

    Healthcare Organization and Finance Scenario Medicare covers healthcare services such as surgeries, laboratory testing and doctor visits. It also covers supplies such as walkers and wheelchairs. These services and supplies must be considered as indispensable in the treatment of a certain disease or condition (King, 2009). Therefore, the expenses related to the walker that was prescribed to Mrs. Zwick after her discharge would be fully met in this section of the Medicare. Essentially,


Read Full Term Paper
Copyright 2016 . All Rights Reserved