hairylunch (hairylunch) wrote,

The underinsured . . .

Great bit on NPR today about the underinsured, with regards to healthcare. Most people are very familiar with the problems that the uninsured present, but don't realize there's a large group of underinsured folks.

Underinsured, as the name implies, means that while you have insurance, it's not sufficient to cover all your expenses. In many cases, those that are underinsured will qualify for various forms of public assistance, such as Medicaid. Of course, being eligible for public assistance traps you to some degree. There's a great example in the NPR story about a family who the father got a raise, which then made them no longer eligible for public assistance. Because their daughter has cystic fibrosis, the employer insurance isn't significant, and they've been racking up debt ever since he got his promotion (and lost the public assistance coverage). And, what were the options the caseworker presented to them? Cut back on their hours (both he and his wife work), which might mean forfeiting his promotion, or get a divorce. Then they could apply seperately, and the mother alone would qualify for public assistance.

Pretty extreme, but not uncommon. When I was working with SCHIP enrollments, these kind of cases were pretty common. Single mothers working in the casinos, getting offers for better jobs, but having to decline them so they could keep their insurance. In other words, the system is encouraging people to stay in poverty. Boo.

  • new digs

    I've moved to! I've been on LiveJournal since the navel-gazing days of blogging, even paying for a…

  • Portland and Protests

    Truth is complicated. Memes and tweets serve as news for many today, and folks cherry pick their sources and the items they want to believe.…

  • Random Thoughts

    Lots of time to listen to podcasts and think/process these days . . . a few items that have been percolating in my brain ... Being a poet/imposter…

  • Post a new comment


    default userpic

    Your reply will be screened

    Your IP address will be recorded 

    When you submit the form an invisible reCAPTCHA check will be performed.
    You must follow the Privacy Policy and Google Terms of use.