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Op-Ed Pieces from The North Adams Transcript
Ecu-Health Care's Executive Director, Charles Joffe-Halpern, writes an
ongoing op-ed column, for the North Adams Transcript. Below are his pieces
from this past year, they include the following:
-The Health Care Bill and North Berkshire -Enact the
House health reform bill - Why We Need Health Reform
Now -This is a Crucial Month for Health Reform
-Here Comes the Medicare Drug Plan
-HealthCare and The American Dream
-Poverty Guidelines and Affordable Health Plans
-The State's Dental Crisis -The Challenge
of Hunger in Massachusetts -Health Care and
Self Resonsibility -Human Dignity and
Health Care -Health Disparities
-Breast Health Screenings
The Health Care Bill and North Berkshire
Saturday, April 15, 2006-The recently passed, landmark Massachusetts
health care bill will have significant impact on the residents of North
Berkshire and the rest of the commonwealth. While there are many components
to the law, the key aspects that will affect area residents include the
following:
* All Massachusetts residents will be mandated to purchase health insurance
by July 1, 2007, as long as the insurance is affordable for them.
Significantly, individuals not offered employer-sponsored health insurance
will have access to private plans through a state administered program. For
those individuals whose incomes are under 300 percent of the federal poverty
guidelines ($29,400 for an individual, $39,600 for a family of two, $48,800
for three and $60,000 for four), their premiums will be on a sliding scale
and will have no deductibles. Those over 300 percent of the poverty line
will receive no premium assistance and they may have to pay deductibles.
* The bill also expands eligibility for employee participation in the
current Insurance Partnership program from 200 to 300 percent of the poverty
line. This program provides reimbursements to the self-employed and small
businesses for the cost of health insurance.
* MassHealth guidelines for children will be increased from 200 percent of
the poverty line to 300 percent of the poverty line.
* Businesses with 11 or more full-time equivalent employees who do not
provide health insurance will have to pay an assessment of $295 a year. This
will help pay for the care of their employees who will be relying on the
state for assistance (this provision is expected to be implemented through
an override of a line-item veto by the governor).
Much has been written both supportive and critical of the new legislation,
and the views expressed are all valid. On the positive side, hundreds of
thousands of low-income uninsured Massachusetts residents will finally have
access to comprehensive health coverage. This is a remarkable achievement in
this political landscape.
Chief among the concerns are: How will we determine what is affordable? Will
the assistance to help lower-income individuals purchase coverage be
adequate? How will individuals whose incomes are to high to qualify for help
be able to afford health coverage? Will the health plans provide adequate
coverage? And will the state have enough funds to maintain the program?
We won't know the answer to these questions until the law is fully
implemented, and unlike the well-known television ad, there will be no "easy
button."
What we do know is that in North Berkshire there are approximately 3,500 to
4,000 uninsured residents who will now be mandated to have health care.
Reaching out to educate, provide guidance and help enroll these individuals
into the new health insurance plans will be a challenging public health
endeavor. It is critical that we be prepared to meet the demands of this
historic task. Keep in mind, there has never been health insurance mandate
in the history of the United States; we will be pioneers.
Since 1995, I have been the executive director of a non-profit organization
that helps uninsured area residents access health care through the
charitable voluntary efforts of the local medical community. While I am
proud of what we have accomplished helping thousands of residents access
health care, I am also acutely aware that our organization's efforts fall
short. There is a limit to volunteerism, a limit to the numbers of
individuals we can serve, and a limit to the services we can provide.
We frequently have to beg drug companies to provide our members with
medications, and often we fail. And while grateful for the care they do
receive, deep inside, our members understand they are not fully legitimate
health care consumers.
For the last 11 years I have lived for this moment. The state of
Massachusetts now holds the promise of providing legitimate health insurance
coverage to a vast majority of state's uninsured, who previously went
without care, incurred serious medical debt, or were reduced to asking for
charity. While the implementation of this legislation must be monitored
closely to insure the issues noted above are adequately addressed, we who
work everyday with the uninsured realize this is a huge step forward.
Charles Joffe-Halpern is the executive director of Ecu-Heath Care and
the president of the Board of Directors of Health Care for All in Boston. He
can be contacted at
cjoffehalpern@nbhealth.org
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Enact the House health reform bill
Tuesday December 20, 2005-
Last month the Massachusetts state House of Representatives and state Senate
passed separate pieces of health care reform legislation, both designed to
reduce the number of uninsured residents.
The House bill expands health coverage by raising income eligibility
guidelines for MassHealth and creates a health insurance mandate requiring
Massachusetts residents to have health insurance as long as they have access
to an affordable plan. The state would also encourage the development of
new insurance products with generous subsidies provided to low to middle
income residents to make these plans affordable. The House bill also
includes a requirement that employers who have 11 or more employees, who do
not provide health coverage to their employees, would have to pay a 5% to 7%
assessment of their payroll to help pay for the new subsidized health plans
It is important to realize that currently, employers who do provide health
coverage to their employees are penalized by having to pay an extra
surcharge on their health insurance premiums to help pay for the health care
of uninsured workers. Under the proposed legislation, this penalty would be
eliminated. It is estimated that over 400,000 uninsured Massachusetts
residents would be covered by the House bill.
The bill passed by the Senate, while also expanding coverage through the
MassHealth program, is more limited in scope. The bill does not include the
individual mandate or the payroll assessment. Policy experts suggest that
about 75,000 uninsured residents would gain coverage through the Senate bill.
The House and Senate bills have now gone to a conference committee where
differences will be hammered out, and a compromise bill will be sent back to
both legislative chambers to be voted on again. The agreed upon final bill
will then be sent to the Governor. It is expected this will happen within
the next four weeks.
From the health care advocacy side there are understandable concerns that
proposed insurance programs cover a significant number of the uninsured,
that plans be comprehensive enough to cover the cost of needed health care,
and should not impose prohibitive deductibles and premiums. The business
community claims the proposed payroll assessment will be too punitive for
businesses that don't provide coverage.
When studying the history of public policy, no piece of legislation has ever
passed without a struggle, and whatever comes out of the conference
committee will be no exception. To put this in perspective, American
industrial leaders fought hard against the minimum wage before it became law
in 1938. At that time President Franklin Delano Roosevelt warned that we
should not let “calamity-howling executives” tell us that a minimum wage was
going to have a disastrous effect on all American industry. Can
you imagine now not having a minimum wage? In the early 1960’s the
American Medical Association initially fought against the passage of
Medicare, but where would our elders be now without the security of basic
health coverage?
We who work with the uninsured on a daily basis cannot shield ourselves from
seeing the effect that lacking health coverage has on individuals and
families. I am currently working with two uninsured women who are both
cancer patients. Besides the trauma of the diagnosis and their uncertain
futures, they are both facing the potential of overwhelming medical debt.
So not only are they being challenged by their illnesses, but they are also
being stripped of their dignity by the financial consequences of being
uninsured. Both women would have health coverage under the bill passed by
the House of Representatives. Under the Senate bill, they would still be
left uninsured.
I cannot, in good conscience, tell these women they should wait for some
mythical future, before we develop a “perfect” health care system that will
satisfy all the health care stakeholders in the United States. That health
care system never will exist, there will always be trade-offs. But, the
Massachusetts state legislature now has potential of passing legislation
that will bring relief to these two cancer patients, and to provide health
coverage to the vast majority of the other 500,000 uninsured residents in
Massachusetts.
Let us now hope that the more expansive provisions of the legislation passed
by the House of Representatives are included in the conference committee's
recommendations.
Shame on us, if we lose this political window of opportunity.
________________________________________________________
Why We Need Health Reform Now
Thursday, November 3, 2005 -
The Massachusetts legislature stands poised to pass the most comprehensive
health reform bill in our time. Perhaps, no one understands the importance
of this more than Geraldine Levy, a 56 year old woman from North Adams.
Geraldine is not provided health insurance at her job, and she was recently
diagnosed with cancer. She loves her work, but she recently had to reduce
her hours as she started her chemotherapy. Geraldine has applied for
MassHealth, but she may or may not qualify depending if her situation merits
her being considered disabled. She doesn't want to be considered disabled,
but she needs the health insurance.
It's not challenging enough that she has developed cancer, she now also has
to contend with the possibility of incurring crippling medical debt. Under
the provisions of the bill being considered by the Massachusetts
legislature, Geraldine would be able to purchase insurance at an affordable
cost and she could pay attention to the task at hand: treating her cancer.
The health care reform bill now being considered, "An Act Promoting Access
to Healthcare", H.4463, would expand health care to the currently uninsured
in the following manner:
-It creates a subsidized insurance program, called Commonwealth Care Health
Insurance, for all adults whose income is less than 300% of the federal
poverty guidelines (fpl).
-Expands MassHealth to include all adults whose incomes are under 100% of
the fpl.
-Expands MassHealth coverage to parents of children up to 200% of the fpl.
-Expands MassHealth to include all children up to 300% of the fpl.
-The bill mandates that all Massachusetts residents have health insurance,
but there would be no penalty if affordable insurance products are not
available to them.
-It is predicted that this legislation would provide health coverage to 95%
of the currently uninsured. In these times, this would be a remarkable and
long over-due achievement.
Perhaps the primary contention over the passage of this bill is the mandate
that employers who have 11 or more employees will have to pay a 5% to 7%
payroll assessment to help pay for the new Commonwealth Care Plan. For
companies who provide health coverage to their employees, this assessment
would be reduced and in many situations eliminated.
It is important to realize that currently, employers who provide health
coverage to their employees pay an extra surcharge on their health insurance
premiums to help pay for the health care of the uninsured. Employers who
don't offer health coverage to their workers are exempt from this surcharge.
The challenge, as House Speaker Salvatore DiMasi stated earlier this week,
is how to hold employers who don't provide health coverage more accountable,
and not harm businesses who do cover their workers.
In Massachusetts, political opportunities to implement serious health care
reform come along about once every ten years And in this decade, this is
now that moment. Despite an improved economy, there are now over 500,000
uninsured residents in Massachusetts, this includes over 50,000 uninsured
children!
There is no argument that health care reform is greatly needed in
Massachusetts, and we should also realize that no piece of health reform
legislation will please every stakeholder. But, we should also understand
that the bodies of the uninsured will not wait another ten years before they
get sick or injured; Geraldine Levy knows this all too well.
Harvard University's Robert Blendon, the well respected pollster in the
field of health policy, recently observed that if we are to make any
progress in implementing health care reform, every stakeholder will have to
give in a little and no one will get exactly what they want. For the sake
of Geraldine Levy and the other 500,000 uninsured residents throughout
Massachusetts, it would be unconscionable to lose this moment.
_______________________________________________________
This is a Crucial Month for Health Reform
Wednesday,
October 19, 2005 - Americans like to help people who work hard and play
by the rules. This was reinforced for me this past weekend when I was
gathering signatures for a ballot initiative that would significantly expand
public health insurance to many of the approximately 530,000 Massachusetts
residents who are currently uninsured. If enough signatures are raised,
then the ballot will be presented for voter approval in November 2006. When
I asked people to sign, most did not hesitate and signed immediately. But a
few balked, wanting to know first if the ballot initiative would help those
who work and is not just a hand-out. The answer is a resounding yes.
The key provisions of the ballot initiative, titled the Massachusetts
Quality Affordable Health Care Act (MassACT) will include the following:
-Provide sliding-scale premium assistance to moderate-income families
struggling to afford health care costs.
-Provide health coverage to children and many low-income workers not offered
health care through their employers.
-Help small businesses provide coverage by expanding the Insurance
Partnership program, which provides small businesses and their lower-income
employees with subsidies to help pay for health insurance.
-Make our health system fair by funding expanded coverage through an
affordable assessment on firms that refuse to provide coverage to their
workers.
-Lower health costs and improves health through increasing the
cigarette tax by 60 cents to reduce smoking and to fund affordable coverage.
-Reduce health insurance premiums by ending a surcharge now tacked
onto premiums to pay for uninsured patients who get care in emergency rooms
and other sites.
This past Sunday the Boston Globe reported that some of the provisions of
MassACT are being considered in a bill that is expected to be approved by
the legislature in the next few weeks and presented to the Governor by
November 16th. But the question is: will the legislation being proposed
this month provide true health security for a significant number of the
approximately 530,000 uninsured Massachusetts residents? The consequences
of this cannot be overstated.
Given the steadily escalating cost of health care, an increasing number of
lower-income workers are either not offered health coverage at work or they
cannot afford the increased premium costs that are being passed on to them.
This explains why there are over 100,000 more uninsured Massachusetts
residents now than four years ago. What will it take to stop the bleeding?
It is important to realize that 80% of uninsured families have at least one
member who works full-time. Those most vulnerable to not having health
coverage include, restaurant workers and other workers in the service
industry, the self-employed, those who work for small businesses, young
workers between the ages of 19-25, and individuals who are single. This
past week I interviewed a woman who works full-time for a fast food
restaurant as a crew worker, she explained that unless you are management,
the company does not offer health benefits.
When sitting in a physician's office recently, I looked up to see a sign
which read: "Health New England members are now welcome here!" I
immediately began to question, so who is not welcome here? Isn't the first
question asked at a doctor's office: "what is your health insurance?" But,
we really can't blame medical providers for this, doctors and their staff
need to be paid, too.
In ten years of interviewing the uninsured, people consistently report they
avoid seeking treatment when sick or even injured, because they can't afford
exorbitant medical costs. A young woman who had delayed seeking care for
what turned out to be blood clots in her lungs shared with me that she had
delayed seeking treatment because "she was the kind of person who likes
paying her bills." Of note, over one-half of all personal bankruptcies in
the United States are a result of unpaid medical bills. Given the demands
of meeting a family's budget, without health insurance, one cannot be said
to feel "welcomed" in a doctor's office. In reality, the uninsured know
they are considered illegitimate health care consumers.
It is now accepted that without government intervention, the numbers of
uninsured will only continue to increase. This month the Massachusetts
legislature can remedy this situation by passing a bill that provides
coverage for a significant number of uninsured residents. If the
legislation being developed this month falls short, then through the MassACT
ballot initiative, the voters will decide the issue for themselves next
November.
It is time to make workers who are not provided health insurance through
their employers, truly welcome in doctors offices throughout Massachusetts.
__________________________________________________________
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Here comes the Medicare drug plan By Charles
Joffe-Halpern
Saturday, June 25, 2005 - Enrolling elders in the new Medicare
drug plan, Medicare Part-D, presents the country with perhaps its most
challenging public health outreach endeavor in our history.
The plan itself has generated controversy. Many are upset because the
plan is complicated and they feel the benefits don't go far enough.
Some are upset because of the estimated cost of $724 billion over the
next 10 years. And it is these attitudes that we will have to
overcome, if we aren't to inadvertently discourage Medicare recipients
from enrolling in what will be a needed source of medical support.
Briefly, beginning in January 2006 Medicare recipients will have
access to two or more drug plans that will contract with Medicare to
provide the new benefit. Individuals can enroll in one of these plans
and get all their care through the traditional Medicare program. In
certain geographical areas (but not in Berkshire County) some will be
able to enroll in Medicare Advantage plans, such as HMOs or regional
PPOs that cover all Medicare benefits, including drugs.
For individuals whose incomes are over $14,355 ($19,245 for a couple),
there is, indeed, a complicated structure of deductibles, co-payments
and gaps in coverage. For many, the thoroughness of their drug
coverage will depend on how effectively the state's Prescription
Advantage Plan is integrated with the new Medicare plan.
Individuals with incomes less than $14,355 a year ($19,245 for a
couple), who fall within certain asset guidelines, can apply
separately for a "low-income subsidy," which will provide further
assistance. Some who qualify for the low-income subsidy will pay no
premiums or deductibles, co-payments will be low, and there will be no
coverage gaps. Significantly, up to one of every five Medicare
recipients in Massachusetts will qualify for this added assistance.
The time-line for implementing the drug plan is as follows:
*July 1-- The Social Security Administration will begin processing
applications for the low-income subsidy.
*Oct. 1 -- Information will become available about the drug plans that
will be offered.
*Nov. 15 -- The initial enrollment period for prescription drug
coverage begins.
*Jan. 1, 2006 -- Is the earliest possible date for Medicare
prescription drug coverage.
*May 15, 2006 -- Is the last day of the initial enrollment period for
the drug plan, enrolling after this date could result in a late
penalty.
Deciding whether or not to enroll into the Medicare drug plan and what
plan to enroll in will depend on one's current insurance and health
status. Medicare recipients fall under a variety of insurance
categories, all of which will interact with the Medicare drug plan in
a unique manner. One's current medication usage will also need to be
taken into consideration, as each plan will have a distinctive
formulary covering different drugs.
It is understandable if people will be confused by all of this
information. In many ways the assistance people will need is similar
to the support people need when filling out yearly tax forms. The
challenge now will be for each community to develop the resources to
provide the marketing, education and one-to-one assistance required to
help individuals make the best decisions about the Medicare drug plan.
We live in a country that has become increasingly polarized by
partisan politics, but it is now time to put our biases about the drug
plan aside. Our task now should be to get elders enrolled in the best
drug plan possible. As Medicare Part-D is implemented we should
certainly not neglect our responsibility though, to document both the
strengths and the shortfalls of the program, looking to see where it
will need to be strengthened.
By making this commitment to fully implement the Medicare drug plan
and monitor its effectiveness, we are telling our elders that we value
their lives and we are willing to take the necessary steps to insure
they live as comfortably as they can, and they have as many days on
this planet as is possible.
In North Berkshire, for assistance enrolling in the Medicare Drug
Plan, call Ecu-Health Care at 663-8711, or call the SHINE program of
Elder Services of Berkshire County at 1-800-544-5242.
Health Care and the American Dream
By Charles Joffe-Halpern
Thursday May 26, 2005 - Americans are consistently inconsistent
when it comes to their attitudes toward health care. This
observation, from a report written by the St. Luke's Health Initiative
of Arizona, is one of the reasons why Americans are stalemated when it
comes to deciding how to expand health coverage to the uninsured. St.
Luke's observes that:
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Most Americans favor providing health coverage to the uninsured,
financed by taxes.
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Most Americans don't want to pay increased taxes themselves.
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Most Americans think the health care system is badly in need of
reform
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Most Americans express satisfaction with their personal use of the
health care system.
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Most Americans don't trust the government to do the right thing.
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Most Americans expect the government to do something.
What will it take to breakthrough the stalemate that has allowed 45
million Americans to go without health insurance?
Uwe Reinhardt, professor of Political Economy at Princeton, suggests
the nation needs to re-think its claim that our national objective is
to provide equal opportunity to all, noting that people in poor health
and lacking health insurance do not have equal opportunities. He
adds: “There is something deeply troubling about the thought that a
family should suffer foreclosure on a house or fail to send a capable
youngster to college just because a member of the family had been
stricken by, say, cancer or another serious illness.”
And this is where our internal contradictions surface. Americans
don't like seeing people suffer unnecessarily, or go without
fundamental security, especially if they play by the rules. But, we
also don't like giving things away. With this in mind we should note
that 80% of the uninsured are in families who work hard, pay taxes,
and indeed play by the rules, but still they can't afford decent
health care.
Part of the struggle with expanding health coverage to more uninsured
Americans, is a consequence of the way Medicare and Medicaid, our
major public health programs, were implemented in 1965. We agreed
that Medicare should cover all Americans over age 65, regardless of
income. To be eligible for Medicaid though, one had to be very poor
and we linked eligibility to welfare. Others were expected to get
health coverage through the workplace.
With the steadily increasing costs of health care we can no longer
depend on employers to provide affordable health care to those who
work. In the mid 1970’s there were approximately 23 million
uninsured, now there are 45 million. Shockingly, of all the countries
in the industrialized world, Americans now have the lowest life
expectancy, and the high numbers of uninsured is considered a major
factor.
Without government intervention the numbers of uninsured will continue
to rise. When I discuss health care with those who consider themselves
political moderates, most agree that no one in this country should
have to go without health coverage, but consistent with the national
surveys many get stuck on the tax issue.
Indeed, over the past 20 years political conservatives have been
effective in demonizing tax revenue. George Lakoff, the influential
thinker in the field of political linguistics, observes that Americans
have lost sight that tax revenues enable us to live in a civilized
country. It is what we pay to have democracy and opportunity, to have
essential services that none of us could not live without.
Health care is not a give away and it is not cash assistance. Relief
from pain and being able to seek medical care when sick or injured,
without fear of crippling financial debt, should not be considered a
luxury. Health care is a basic necessity that allows people to get on
with their lives.
America was founded on the principle that we should be a country of
equal opportunity, where those who work hard would be able to thrive
and pursue the American dream. Perhaps when our country accepts that
health care is essential to pursuing that dream will we break the
stalemate and finally find a way to bring health care to the millions
of Americans who are not in a position to afford it. Until that
happens we will not be able to call America the land of equal
opportunity.
_________________________________________________________
Poverty levels don't always tell the story
By Charles Joffe-Halpern
Thursday, April 28, 2005 - One of the most persistent health care
challenges in the United States is determining eligibility and benefit
guidelines for public health insurance programs. And this will be a
critical year in Massachusetts.
It is important to know that eligibility
guidelines for most public health programs are based on percentages of
the federal poverty level. Originally set in the 1960s, the federal
poverty level was set at a three times a family's basic food budget.
This formula, still in place, is now acknowledged to be seriously out
of date. Food now accounts for only one-sixth of a family's budget,
while housing, transportation, utilities and child-care consume the
sizable share of a family's daily living expenses.
The Women's Union, the Boston-based,
non-profit women's advocacy organization, has developed two key
measures, the Family Economic Self-Sufficiency Standard and the Health
Economic Sufficiency Standard, together providing a more accurate
guide of what families throughout Massachusetts need to earn to meet
daily living expenses.
For example, in North Adams the
self-sufficiency level for a family of four is $34,140 a year. This
takes into account the average monthly costs of housing, food,
transportation, taxes, child-care, and health care. The current
federal poverty level for a family of four though, is only $19,350.
The disparity between the federal poverty
guidelines and what it costs to meet basic needs can have serious
consequences. The Women's Union observes that: "one of four families
in Massachusetts doesn't earn enough to make ends meet. These families
face hard choices, such as going without health care, licensed child
care, or going deeper in debt." For lower-income families who do not
currently qualify for Medicaid, health care then becomes a "flexible
expense." So if they are not offered health insurance through work, it
is frequently health care that gets sacrificed.
I recently interviewed a self-employed man
who fell and injured his shoulder. Fearing medical bills, he delayed
pursuing medical care, and attempted to treat himself. His shoulder
did not heal and he finally brought himself in for medical attention
to learn he had fractured his shoulder and by then needed surgery. But
this man's fears of seeking care are understandable. In a recent year
more than 1.45 million individuals in the United Sates declared
bankruptcy following an illness or injury, and one in five working age
adults reported being contacted by a collection agency about unpaid
medical bills.
In Massachusetts the Health Economic
Sufficiency Standard will take on increased importance this year, as
three major health care bills designed to decrease the number of
uninsured, are being filed in the state Legislature. These bills
include making health care more affordable to lower-income uninsured
residents through lower-cost insurance plans or offering premium
assistance to help pay for private insurance.
The National Academy of State Health Policy,
a nationwide, non-partisan organization dedicated to helping states
address health policy issues, observes that for 25 years states have
served as laboratories for health care reform efforts, many of them
aimed at improving access for the uninsured. In examining the impact
and effectiveness of state funded subsidized health insurance programs
they make the following observations: "State demonstrations have shown
that, in order to provide coverage to significant numbers of the
uninsured in a voluntary market, benefits must be comprehensive and
affordable, carefully marketed, and offered through a simplified,
accessible, eligibility process. They have also clearly demonstrated
that the cost of coverage poses a significant barrier to accessing
coverage. To achieve affordability, plans must be offered to
low-income families with premiums not to exceed one percent to three
percent of family income."
It is with much promise that state policy
makers are proposing to address the needs of the state's uninsured.
But if the outcome vision is to significantly decrease the numbers of
uninsured residents, they will need to learn from the research of the
Women's Union and the National Academy of State Health Policy. As
these plans are being developed, it will be crucial to design them so
they will be truly affordable for lower-income families.
Charles Joffe-Halpern is the executive
director of Ecu-Heath Care and the president of the Board of Directors
of Health Care for All in Boston. He can be contacted at
cjoffehalpern@nbhealth.org
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The State's
Dental Health Crisis
Thursday, March 31, 2005 - This past
year, the Massachusetts Society for the Prevention of Cruelty to Children
released a disturbing report revealing that dental decay is now the most
widespread chronic childhood disease -- five times more common than asthma
and seven times more common than hay fever. The report shows the prevalence
of dental disease falls disproportionately on children covered by
MassHealth, the state's health insurance program that covers one out of
every four children in the Massachusetts.
The seriousness of this critical problem cannot be overstated. Consider
these findings from a survey of third graders in Massachusetts: 65 percent
of children on MassHealth had a history of dental disease, 40 percent had
untreated decay and 16 percent of these children had urgent needs requiring
immediate care.
The MSPCC report emphasizes how critical this problem is for all children:
"The implications of untreated dental illnesses are serious and can be
permanent. Significant tooth decay, pain, or infection can inhibit learning,
speech, and eating, leading to problems in school, negative self-image, and
poor nutrition. More than 51 million hours nationwide are lost each year due
to dental-related illnesses."
A U.S. Department of Health and Human Service study adds: "Oral infections
and disease in childhood have been linked to increased risk for future
decay, and chronic oral infections are associated with an array of other
health problems later in life such as heart disease, diabetes, and
unfavorable pregnancy outcomes."
The reasons for the children's oral health crisis in Massachusetts have been
well documented by a statewide Oral Health Advocacy Task Force of dental and
healthcare leaders, and academicians. The Task Force notes that while over
450,000 children are eligible for MassHealth dental benefits, fewer than 15
percent of Massachusetts' dentists accept MassHealth members. The result is
that an appalling 70 percent of enrolled children do not have access to care.
Dentists from North Berkshire tell me that they see children whose parents
drive over two hours for an appointment, because no MassHealth dentist in
their area is available to treat them.
Dentists give a number of reasons for not participating in the MassHealth
program. This includes cumbersome administrative procedures and inadequate
reimbursement rates that have been far lower than private rates. In
addition, because of current regulations, they cannot limit the number of
MassHealth patients they see, thus putting them at risk of becoming
overwhelmed with new MassHealth patients seeking services.
Recently, important first steps have been taken to address this urgent
problem:
* Gov. Romney has proposed allowing dentists to cap the number of MassHealth
patients that they would have to accept. But, now the Legislature must also
agree to approve this.
* The state recently increased reimbursement rates for dentists
participating in MassHealth. But the rate is still lower than the median
rates of the private market and there is real concern that these rates will
not attract a meaningful number of new dentists into the program.
* Based on a review of upcoming reports, the Legislature must decide whether
or not to allocate the funds necessary to put into place a third-party
administrator to run the MassHealth dental program. This would remedy the
current administrative struggles that dentists experience. Implementing a
third-party administrator is considered crucial if we are to be successful
in recruiting more dentists into the program.
Addressing the children's dental crisis will require a long-term commitment
involving expanding access to preventative care and treatment, oral health
education, nutrition, and expanding fluoridation initiatives. But the next
12 months will be critical in determining whether or not we will be making
real progress toward addressing this long overlooked children's health
struggle.
A state legislative staff member once shared with me that, as a child, her
family relied on MassHealth as their source of insurance. Fortunate enough
to have access to a dentist, she shuddered to think what may have happened
if she wasn't able to receive this necessary care during her childhood.
A fourth of all children in Massachusetts will now depend on the Legislature
to strengthen the MassHealth dental program, so they too can have access to
basic dental care.
Health Care and Self Responsibility
Thursday, March 17, 2005 - Recently, the Washington
Post reported that Tennessee Governor Phil Bredesen, when announcing that he
was cutting 323,000 low-income residents from the state's Medicaid program,
belittled Tennessee's Medicaid recipients "for making lifestyle choices to
work for small businesses that do not offer insurance rather than finding
jobs with the state or large companies that do. His attitude is shared by
many, and this has consequences here in Massachusetts.
Employer-sponsored health insurance, the primary mechanism for acquiring
health insurance, began in World War II when businesses faced both a labor
shortage and mandated wage-controls, so they started providing health
insurance benefits to attract needed workers.
Over the past 25 years though, as a result of changing labor trends and the
greatly increased cost of health care, the number of uninsured Americans has
steadily climbed. During this same time, the number of individuals working
in small and medium-sized businesses has also increased, while the number of
workers employed in large establishments has notably declined. The
proportion of Americans with employer health coverage subsequently dropped
from 67% to 61%. Surprising to many, six out of ten uninsured Americans are
now full-time workers.
We should remember that the adoption of employer-sponsored health coverage
was a historical accident. And while gaining affordable health coverage
through employers is consistent with society's desire to reward individuals
for working hard and being self-reliant, with 45 million uninsured
Americans, we can no longer depend on employers to deliver on this promise.
For years, the public has been shielded from understanding the true cost of
health care, and even those close to the field can keep themselves in the
dark. Recently a consultant to a major health insurance company called me
for advice on purchasing health insurance for his daughter. When I gave him
the quote of $260 for a 22 year-old woman, he cried out “are you kidding me,
that’s outrageously high!” In Massachusetts a typical family plan would
cost over $1,000.00 a month.
It is generally accepted that the only way the growing number of uninsured
working families will be able to obtain health coverage is by expanding
public health programs. But do we have the will to do so?
Paul Feldstein, in his instructive text, “The Politics of Health
Legislation,” recognizes that historically, middle-class voters have agreed
to fund public health programs when they believe those who benefit from
these programs are “deserving” of their support. He explains, deserving
means that the beneficiaries are similar to those of the middle class but
because of unfortunate or temporary circumstances, they find themselves in
need of public support.
Significantly, even public policy makers are also influenced by personal
experience, as much as any other factor. An example of this is Republican
Senator Pete Domenici from New Mexico who is a fiscal and social
conservative, he is no bleeding heart and certainly no social activist. But
Senator Domenici has a daughter with schizophrenia.
For years he fought side-by-side with the late liberal Senator Paul
Wellstone to enact legislation that would force health insurers to treat
mental and physical illnesses equally, so those with mental illness could
gain more services. Health insurers and business leaders fought hard
against him. He too would have opposed this legislation, if he did not have
a daughter with schizophrenia. Important political decisions of national
importance really are this personal.
Perhaps what is needed in the health care debate is a better understanding
of what the uninsured really experience. While there are always exceptions,
the vast majority of the low-income working uninsured identify with the
middle class, embracing the same desire for self-reliance and financial
security. But, contrary to Tennessee Governor Bredesen’s polarizing
comments, not everyone can work for a large business that offers health
benefits, and this should not be seen as their moral failure.
This is a critical year in Massachusetts, this past December major
legislation was filed that will expand health coverage to thousands of the
state’s uninsured unable to obtain health benefits at work. Supported by a
broad-based coalition of health care organizations, this is the best
opportunity in over ten years to bring health coverage to these families.
We just need the will to do so.
__________________________________________________________
The Challenge of Hunger in Massachusetts
Thursday, March 3, 2005 - Shirley Clapper, the Director of
Berkshire North WIC, recently described how a young mother came to her
office and revealed that she was giving her infant daughter six bottles of
tea a day, because she couldn’t afford to give her formula.
This is not a rare occurrence. A newly released U.S. Department of
Agriculture report indicates the number of Americans experiencing hunger
rose a stunning 26% between 1999 and 2003. The National Anti-Hunger
Organizations (NAHO), reveals the irony that the proportion of
undernourished people in developing nations has been cut in half, but among
industrialized countries, the United States, the largest and most efficient
food producer in the world, is the only nation that still tolerates
widespread hunger within its borders.
In Massachusetts, the increasing number of undernourished families
parallels the rest of the country. Project Bread, a Boston based
organization dedicated to reducing hunger, reports that: "the Commonwealth
suffered a 6.2 percent decline in jobs between January 2001 and January
2004, the highest rate in the nation, and job losses and lower earnings have
left many with inadequate resources to feed their families." According to
the USDA, 425,000 people in Massachusetts now lack access to adequate food.
The consequences of hunger fall most heavily on children. Brandeis
University’s Center on Hunger and Poverty notes that: "Even moderate hunger
among children can impede cognitive development and impair their capacities
over a lifetime. Hungry children score lower on standardized tests, miss
more days of school, and have psychosocial and emotional health problems."
Lack of financial resources can also create obesity in children, as families
stave off hunger with cheap high caloric foods with little nutritional value.
This troubling reality, which Americans don't feel comfortable
acknowledging, points to the reason why WIC (Women, Infants, and Children
Nutrition Program) and Food Stamps are described as two of the most
important governmental programs ever created in the country. WIC,
administered in Massachusetts by the Department of Public Health, is a
nutrition program that provides checks to purchase healthy foods, and
nutrition and health education free of charge to Massachusetts families who
qualify. A key goal is to keep pregnant and breast feeding women, new
parents, and kids under five healthy. They also conduct immunization
screenings and provide referrals to other essential health care programs.
In Massachusetts, to be eligible for WIC a family of four can earn up to
$34,872 a year.
The results of WIC have been impressive, women participating in WIC have
improved pregnancy outcomes, and infants have better birth weights and are
less likely to be premature. Children enrolled in WIC are more likely to
have regular medical care and immunizations, and they demonstrate better
cognitive performance.
The Food Stamp Program, funded with federal dollars and administered in
Massachusetts by the Department of Transitional Assistance provides eligible
families with an average of $156 per month of food purchases. Families with
children may be eligible for food stamps in Massachusetts with incomes up to
$37,704 for a family of four.
Despite the acknowledged need that families have for assistance, Project
Bread notes that in 2001 Massachusetts had the lowest food stamp
participation in the country, when only 45 percent of those eligible in 2001
were enrolled. While participation has grown since then, reaching those
who could benefit from the program remains a major challenge.
There are a number of reasons why eligible families are not enrolled in
either WIC or Food Stamps. Many families aren't aware they are eligible,
some are intimidated by the application process, and others don't want the
stigma of receiving assistance. This poses a difficult dilemma. Job losses
and reduced earnings leave many with a lack of resources to feed their
families adequately, but at the same time, our desire for individual
autonomy inhibits many families from seeking needed support.
Ending hunger in Massachusetts and throughout the country needs to be
addressed on many levels, but first we must work hard to ensure that
programs such as WIC and Food Stamps are fully utilized. In North Adams you
can contact WIC at 663-3012, for Food Stamps contact the Department of
Transitional Assistance at 663-1100.
__________________________________________________________
Human Dignity and Health Care
Thursday, February 17, 2005 - We health care advocates frequently try
to convince the public that lacking health insurance is harmful. We reveal
how the uninsured can't afford primary preventative care, how illnesses go
undetected and untreated, and consequently, how the uninsured can suffer
serious medical consequences. Perhaps though, we should bring attention to
a time of life when the consequences of lacking health insurance can be even
more disturbing.
Recently, I was asked to find services for an uninsured man in his 50's,
struggling with quickly spreading cancer. This man worked full-time in a
small business where health insurance was not offered. His fellow workers
described him as likeable and hard-working, his wife shared he was a caring
and loyal husband. As he was not eligible for any category of public health
benefits, we enrolled him in our own program of volunteer physicians who
lower their fees for uninsured residents.
Regrettably, his cancer progressed. His situation became even more
frightening when, because he was uninsured, area medical providers could not
find a surgeon, needed from out of the area, who would agree to treat him.
In our relatively small community it was the second time in recent years we
struggled to find treatment for an uninsured cancer patient.
Fortunately, we were able to locate a specialist across the state who
agreed to perform the necessary surgery. She is a member of a physician's
group that participates in the state's free care pool. It is a source of
care still not generally known by the public or even the medical community.
While the surgery in the short term was successful, sadly his cancer spread
and he was soon re-hospitalized.
Upon discharge, the man was prescribed medication essential to controlling
his escalating pain. A 15-day supply of the medication would cost over
$200.00, which the family could not afford. Even with our assistance the
family was already incurring mounting medical debt. I then contacted the
pharmaceutical company to apply for free medication. Most pharmaceutical
companies provide this assistance, but income-eligibility rules consistently
change and the application process for most programs is difficult to
navigate.
When I described the patient's situation to the company's representative, he
explained to me that unless we could produce his previous year's tax
statement, he would not be provided the medication. Unfortunately, the
forms were misplaced, and when we offered to produce more current proof of
income, the company's representative would not budge. I asked to speak with
his supervisor, and after calling numerous times I eventually got through to
her. Using all the advocacy finesses I could muster, I finally convinced
the supervisor to provide the patient with the needed medication.
Soon after discharge, the man's condition took a turn for the worse and he
returned to the hospital, where he soon died. I take some comfort in
knowing that perhaps I helped this man die in a little less pain and that I
helped his family incur less financial debt. But, this experience reveals
something quite insidious: that our health care system can force individuals
to beg for medical care and beg for relief from pain during the most
terrifying time of their lives.
***
With respect to individuals of all faiths, we will never be able to prove
whether or not God exists. But we do prove everyday that people exist, and
as people, we form societies to determine how to allocate resources,
including how to finance and deliver health care.
Lawrence D. Brown and Michael S. Sparer, writing in Health Affairs ,
observe that in all other Western societies, national health insurance has
“crucial moral underpinnings,” adding: “basic human dignity would be
offended if any citizen declined to seek care for fear of financial
consequences of doing so or faced financial stress as a consequence of
getting care."
In this country, the political process moves slowly. We have much work to do
if we are to see the day when no person, ever again, has to beg for medical
treatment, or beg for relief from pain when struggling with a serious
illness. But work hard we must, I believe God would want us to.
Health Disparities: Our National Shame
"Of all the forms of inequality, injustice in health care is the
most shocking and inhumane." Dr. Martin Luther King
Thursday, February 3, 2005 - It is more clearly coming to the
public’s attention, the most troubling, but underreported health care
challenge in America is how to address the widening health care disparities
that are incurred by racial and ethnic minorities, these include lack of
health insurance, lower quality of care, and poorer health outcomes. And
this is a struggle about to get more difficult.
These are only a few of a number of alarming trends:
-
African American, American Indian, and Puerto Rican infants have higher
death rates than white infants and African-American infant mortality is
2.5 times higher than whites. African American children, ages 1-14 years
of age, were roughly 3 times more likely than their white counterparts to
be hospitalized for asthma, irregardless of income.
-
The vaccination-coverage gap between white and African American pre-school
children has widened each year for the series of vaccines recommended to
prevent diphtheria, tetanus, pertussis, polio, measles, and influenza.
-
African American women are more than twice as likely to die of cervical
cancer than are white women and are more likely to die of breast cancer
than are women of any other racial or ethnic group.
-
On average, Hispanic/Latino Americans are 1.5 times more likely to have
diabetes than non-Hispanic whites of similar age. Mexican Americans, the
largest Hispanic/Latino subgroup, are over twice as likely to have
diabetes as non-Hispanic whites of similar age.
-
African-American seniors are almost 4 times less likely than their
Caucasian counterparts to receive needed coronary bypass surgery. And
African American seniors are nearly 2 times less likely to receive
treatment for prostate cancer.
Health disparities in the United States are fueled by a number pervasive
conditions, including: the effects of poverty, community isolation, language
barriers, bias, the lack of cultural diversity in the medical profession,
and significantly, lack of health insurance coverage. In 2003, over 33% of
Latino’s and 18% of African Americans were uninsured, compared to 11% of
whites without health coverage.
Remarkably, despite the well-documented prevalence of racial and ethnic
health disparities, until now there has been a strong will not to believe
the seriousness of the situation. The Kaiser Family Foundation observes:
“There is limited awareness of disparities in health care on the part of the
public or providers. Most people believe that African Americans and whites
generally receive equal quality health care.” They add, that even
physicians believe that disparities in health care are rarely, if ever due
to race or ethnicity.
*
As disturbing as health disparities are, health outcomes for minorities
would be far worse without the critical support of Medicaid, the conjointly
funded federal and state health insurance program covering 50 million
Americans. It is imperative to know that Medicaid covers one out of every
four children and one-third of all births in the United States.
Now, this month it is expected the Bush administration will introduce
legislation to restructure, and reduce critical funding to Medicaid. This
will force states to either lower the number of people eligible for the
program, decrease health care benefits, or both.
The proposal will be incorporated into what is known as the budget
reconciliation process, and unlike most legislation of this significance, it
cannot be filibustered. This means it can be accomplished with little
discussion and largely unrecognized by the American public.
Unless the administration's plan is stopped, the health care safety net for
all lower-income Americans will be dangerously weakened. And lower income
Americans can least afford to have health benefits removed from them.
Last week, Senator John Kerry launched an alternative proposal, to expand
public health insurance benefits guaranteeing health coverage for all
children in America. In his presentation of the plan, Senator Kerry
affirmed his belief that: “The United States is a democracy that should set
an example for the rest of the world.”
On many levels, it will take a committed and sustained effort to reduce
health disparities in this country. We must start by strengthening, and not
weakening the health insurance program so vital to one-sixth of all
Americans. We can only hope the United States Congress has the will to
make that effort, and resist going backwards.
__________________________________________________________
Breast Health Screenings: We need to
do Better
January 20, 2005-
Despite the increased public awareness of the need for early and ongoing
screenings for breast cancer detection, one-third of all women in the United
States are not receiving these services. Consider the following statistics.
· One in eight women in the United States will develop breast
cancer in her lifetime.
· While breast cancer risk is higher among women whose close blood
relatives have this disease, 90% of all women with breast cancer have no
family history of the disease.
· In North Berkshire alone, an average of 40 women each year are
newly diagnosed with breast cancer.
With the implementation of the REACH for Breast Health program at North
Adams Regional Hospital there is no reason why any woman in North Berkshire
cannot receive ongoing preventative breast health screenings. REACH for
Breast Health arranges for crucial screenings, education, and
case-coordination for all women in North Berkshire regardless of income.
Imaginis.org, a breast health resource web-site, urges: "Beginning at the
age of 20 every woman should practice monthly breast exams and begin a
routine program of breast health, including scheduling physician performed
clinical exams at least every three years. As a woman ages, her risk of
breast cancer also increases. About 77% of women with breast cancer are over
50 at the time of diagnosis. Beginning at the age of 40 all women should
have annual screening mammograms, receive clinical breast exams each year,
and practice breast exams every month."
The American Cancer Society adds: “The goal of screening exams for early
breast cancer detection is to find cancers before they start to cause
symptoms. Breast cancers that are found because they are causing symptoms
tend to be relatively larger and are more likely to have spread beyond the
breast. In contrast, breast cancers found during screening exams are more
likely to be small and still confined to the breast.”
And most importantly: “Finding breast cancer as early as possible greatly
improves the likelihood that treatment will be successful. There is no
question that early detection tests for breast cancer saves many thousands
of lives each year, and that many more lives could be saved if even more
women and their health care providers took advantage of these tests.”
Carol Guernsey RN, program manager of REACH for Breast Health, cites three
groups of women who have a lower rate of screenings. They include: the
uninsured, lower-income women, and the elderly. She gives the following
reasons that woman avoid preventative exams:
· Lack of funds to pay for the screenings.
· Lack of education about the need for preventative care.
· Fear of a mammogram hurting.
· Fear of a positive finding.
· Women are busy and let other things take priority.
Psychologists have observed that the fear of a diagnosis of breast cancer
is unique among diseases. Breast Cancer.org, a non-profit educational site
observes: "Women may live with a fear of breast cancer for years, assuming
that it's better to ignore or hide their feelings. In fact the opposite is
true. Expressing your feelings, and becoming active in understanding and
managing your own personal risk of the disease, are more effective ways to
handle fear." The reality is women report being put at ease after
screenings knowing their current health status.
The challenge now is to reach these women and help them overcome the
barriers to receiving care, and in North Berkshire that's where REACH for
Breast Health comes in. For those who qualify, REACH provides free monthly
health screenings, including breast examinations, blood pressure checks,
diabetes screenings, and cholesterol checks. In addition, for women over
the age of 40, REACH will arrange for free mammograms, PAP smears and OBGYN
exams through the Women's Health Network.
For women who have a positive diagnosis, REACH for Breast Health helps to
coordinate care among different doctors and departments involved in breast
cancer care, and provide ongoing information, guidance and support.
We are very fortunate to have REACH for Breast Health available to the
women of North Berkshire. To schedule an appointment for a women's health
screening call Carol Guernsey at 664-5170.
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