Stories from Georgia’s coverage gap: Teresa

Teresa began working as a teacher for the Headstart preschool program in 1994 but retired in 2010 because multiple health conditions made it difficult for her to work. Now her family’s only source of income is her husband’s monthly disability check, which is too high to allow him to qualify for Medicaid and too low to allow them to qualify for financial help to purchase private insurance through the Affordable Care Act. (Teresa cannot qualify for Medicaid no matter how low her income is because she does not have a disability or a child under the age of 18.) Both of them fall in Georgia’s coverage gap.

Teresa and her husband are just two of 197 of the Georgians in Clay County that are uninsured because Georgia’s decision makers have not extended health insurance coverage to low-income adults in Georgia (those making less than $16,000 annually for an individual or $20,780 for a family of three.)

Teresa struggles to manage multiple health conditions, the worst of which is a jaw condition that has caused her teeth to rot. Because Teresa has not had health coverage since 2009, she has had to find alternative, insufficient treatments for her jaw condition. She would have to pay $5000—almost four months of income—to receive the necessary medical remedies to alleviate her pain and stop the dental deterioration. If Georgia were to close the coverage gap, Teresa would be able to see her doctor on a regular basis without having to forgo appointments and services that would otherwise be too costly.

Georgia’s Governor and legislature have so far rejected the option to close the state’s coverage gap, leaving people like Teresa and her husband uninsured. Until Georgia’s policymakers extend health insurance to all low-income Georgians, Teresa, her husband, and 240,000 other Georgians will likely continue to skip health care appointments and forgo needed care because they have no pathway to coverage.

 


 

Your story is powerful! Stories help to put a human face to health care issues in Georgia. When you share your story, you help others understand the issue, its impact on Georgia, and its importance.

Your health care story is valuable because the reader may be your neighbor, friend, someone in your congregation, or your legislator. It may inspire others to share their stories or to become advocates. It is an opportunity for individuals who receive Medicaid or fall into the coverage gap, their family members, their physicians and concerned Georgia citizens to show that there are real people with real needs who will be impacted by the health policy decisions made by Congress and Georgia’s state leaders.

Share your story here!


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Five reasons Georgia should follow Virginia’s example

Last week, Virginia became the latest state to expand health care coverage to low-income adults when the Virginia legislature voted to close the its coverage gap and Governor Northam signed the new budget. More than 400,000 Virginians are expected to gain coverage as a result, and the state anticipates declines in uncompensated care costs for hospitals, an increase in people receiving needed health services, and greater financial security for those set to gain coverage. The vote comes after years of advocacy and engagement from constituents and advocates who worked to convey to legislators the importance of health coverage and the impact the change would have on the lives of hundreds of thousands of Virginians.

Unlike Virginians, 240,000 hard-working Georgians cannot yet look forward to putting a health insurance card in their pockets. These friends and neighbors make too little to get financial help to buy health insurance and don’t qualify for Medicaid in Georgia, leaving them stuck in the state’s coverage gap.

Georgia remains one of 17 states that is still refusing billions in federal health care dollars to provide health coverage to low-income adults in the state. As in Virginia, Georgia’s Governor and state legislature can choose to close the coverage gap at any time, and here are five reasons they should do so as soon as possible:

  1. Thousands of Georgians would gain health coverage–240,000 Georgians would gain the peace of mind, access to care, and financial protection that insured Georgians have. These Georgians make less than $12,140 a year  or $20,780 for a family of three. Most are working in sectors like retail, child care, construction, and food service, low-paying jobs that do not come with benefits.
  2. Georgia’s rural hospitals are economic anchor institutions–rural communities need their hospitals to provide accessible healthcare, sustain well-paid jobs, and facilitate economic stability. Closing the coverage gap would create at least 12,000 new jobs and $1.3 billion in new activity in Georgia’s rural communities each year.
  3. The resulting job growth is greater than what the state would gain by attracting Amazon’s HQ2–extending health coverage to more Georgians would create 56,000 new jobs across the state, more than the 50,000 jobs that Amazon is promising at its second headquarters. Even better, the new jobs would be scattered across the state rather than concentrated in and around Atlanta.
  4. Georgia’s tax dollars are currently sitting unused in Washington, D.C.–By refusing to extend health insurance to low-income Georgians, the state is missing out on $8 million per day ($3 billion dollars per year). Instead of giving up hard-earned tax dollars, Georgia’s policy makers could bring that money back to the state to help low-income parents, veterans, and workers put health insurance cards in their wallets.
  5. It is the biggest step Georgia can take to slow the substance use crisisOne quarter (25%) of Georgians who fall in the coverage gap are estimated to have a mental illness or substance use disorder. If they were covered by health insurance, treatment and recovery services would be within reach, allowing them to resume full, healthy lives. As a result, 36,000 fewer Georgians each year would experience symptoms of depression and the state could make significant progress in addressing its ongoing substance use crisis.

 

After five years of delay, Virginia’s leaders made the right decision and as a result, 400,000 Virginians will see healthier futures. Now is the time for Georgia’s decision makers to follow suite by putting 240,000 insurance cards in wallets all across the state.

 

Virginia State Capitol Image  – Skip Plitt – C’ville Photography


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New policy report: Getting Georgia Covered 2017

With four open enrollment periods completed and a fifth one beginning in the coming weeks, the Health Insurance Marketplace has become established as the avenue for purchasing coverage for thousands of Georgians who do not have access to have insurance at work. The fourth open enrollment period differed from the first three in several important ways, and understanding these variations will be important in ensuring that the Marketplace continues to serve consumers who seek access to affordable comprehensive health insurance. This report examines the characteristics of the consumers enrolled in the Georgia Marketplace, compares open enrollment 4 to the previous three enrollment periods, and provides a preview for open enrollment 5.

Inside you’ll find:

– Key themes in consumer and assister experiences during the 2017 open enrollment period
– A look forward to open enrollment 5
– Policy opportunities to increase enrollment, ensure access to care, address affordability issues, and facilitate continued consumer education and supports

You can find the full report here. 


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GHF releases new policy brief on barriers to care for transgender Georgians

Nationwide transgender individuals face significant barriers to accessing health care because of their gender identity; however, little is known about the experiences of the estimated 55,000 transgender individuals in Georgia as they interact with the health care system. Understanding the health care needs, access barriers, and discrimination experiences of transgender individuals in Georgia can inform the work of advocates, stakeholders, and policymakers to reach the shared goal of ensuring health equity for all Georgians, especially transgender Georgians.

To inform the public about these barriers to care, Georgians for a Healthy Future, Georgia Equality, and The Health Initiative are releasing a policy brief, Voices for Equity: How the experiences of transgender Georgians can inform the implementation of nondiscrimination provisions in the Affordable Care Act.


Voices for Equity: How the experiences of transgender Georgians can inform the implementation of the ACA’s nondiscrimination provisions

The passage of the Patient Protection and Affordable Care Act (ACA) was notable not only for increasing access to health insurance coverage for millions of Americans but also for its broad non-discrimination provisions. Section 1557 of the ACA prohibits discrimination on the basis of race, color, national origin, sex, age, or disability in many health programs and activities.  The final rule determined that discrimination on the basis of gender identity and sex stereotyping are equally prohibited under Section 1557, and as a result, lesbian, gay, bisexual, transgender, and queer (LGBTQ) Georgians have protections from discrimination in health coverage and care for the first time. To better understand the challenges that transgender Georgians may face when accessing health care, GHF, GE, and THI collected data and information from transgender Georgians that provided compelling narrative of barriers that transgender individuals routinely face when seeking health care and utilizing their health insurance.

The goals of this policy brief are:

  • describe the protections for transgender individuals under Section 1557 of the Affordable Care Act.
  • discuss the results from a series of transgender focus groups and survey of the LGBTQ community in Georgia, and the 2015 U.S. Transgender Survey to understand transgender individuals’ experiences in health care.
  • recommend actions that health care providers, policy makers, and advocates can take to support improved health care access and equity for transgender Georgians.

Download the brief here.


Resources for LGBT consumers

Thanks to Section 1557 of the Affordable Care Act, LGBT Georgians have protections from discrimination in health coverage and care for the first time. If you believe you have been discriminated against, it is important to file a 1557 complaint with the Office of Civil Rights in the Department of Health and Human Services. GHF and our partners can help you with that! Visit GHF’s LGBT Health Equity page for more information and help to file your complaint.

 


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A win for Georgians

Early this morning, the U.S. Senate’s newly released Health Care Freedom Act was defeated on the Senate floor in a very close vote, bringing to a close a months’ long attempt to dismantle Medicaid and repeal major parts of the Affordable Care Act. This outcome is a victory for Georgians in every corner of the state.

At various points, Congress’s proposed legislation would have forced unconscionable cuts in health care services for vulnerable children, people with disabilities, and seniors who rely on Medicaid, made health insurance unaffordable for low and middle income Georgians, and stripped consumers of critical protections that ensure access, equity, and fairness. The passage of any of the debated proposals would have set Georgia’s health care system back 50 years and put significant strain on our state budget. Instead, we are relieved that these immediate threats have been overcome leaving in place Medicaid and the Affordable Care Act on which so many Georgia consumers rely.

This success would not have been possible without advocates like you. You worked to educate Georgia’s policymakers, mobilize your communities, and stand up for health care for all Georgians. We recognize the hard work that you have invested over the last several months and are grateful to have worked alongside you in this effort. Thank you for your dedication and your advocacy!

Our work is not over

While we celebrate today, we know our work is not over. Too many Georgians remain uninsured, continue to be burdened by high health care costs, face persistent health disparities or cannot access care when and where they need it. Now it’s time for Georgia’s policy makers, health advocates, consumers, and health care stakeholders to come together and find solutions for these problems. We must build on the progress that has been made as a result of Medicaid and the Affordable Care Act so that all Georgians have the coverage and care that they need. We look forward to working towards these goals with you to create a healthier future for all Georgians.


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We can still stop this bill!

Senate votes to open debate on health care bill 

Yesterday, the Senate voted to open debate on health care legislation that cuts and caps Medicaid and repeals major portions of the Affordable Care Act. Both Senators Isakson and Perdue voted in favor of the motion to proceed. The Senate will now begin a required twenty hours of debate followed by consideration of a lengthy list of amendments. There is a lot that still needs to happen before a final vote can be taken.

We can still stop this bill!

The foundation for the Senate debate is made up of proposals that would result in more than 20 million Americans losing coverage, the dismantling of Medicaid on which 2 million Georgia children, people with disabilities, and seniors rely, and the erasure of critical consumers protections. This legislation cannot be fixed with amendments and patch work funding. As the Senate proceeds with its debate, it is incumbent upon us to be vocal and visible in our insistence that these proposals cannot be made better.

We must ensure that Senators Isakson and Perdue hear from Georgians about what is best for our health and health care. There is still time to influence our Senators’ positions before the final vote as Senate leaders have not yet garnered the 50 votes they need for passage of any proposal. Here are three ways that you can make your voice heard in this critical time:

  1. Call Senators Isakson and Perdue. If you called yesterday or if you’ve never called, pick up the phone now. Ask that your Senators reject any bill that 1) results in coverage losses for Georgians; 2) cuts and caps our Medicaid program; 3) guts consumer protections for people with pre-existing conditions; or 4) makes health insurance less affordable for low- and middle-income Georgians. (None of the Senate proposals meet these standards.)
    • Senator Isakson: 202-224-3643 or 770-661-0999
    • Senator Perdue: 202-224-3521 or 404-865-0087
  2. Show Up! Stop by the local offices of Senators Isakson and Perdue to share your health care story and deliver your message in person. Both Senators have offices in metro-Atlanta:
    • Senator Isakson: 3625 Cumberland Blvd, Suite 970, Atlanta, GA 30339
    • Senator Perdue: 3280 Peachtree Rd. NE, Suite 2640, Atlanta, GA 30305

If you are a person of faith, attend a health care pray-in today at noon. No matter where in Georgia you live, you can put your faith into action  and stand up for health care for all Georgians. Click here for details from our partners at the Interfaith Children’s Movement.

3. Ask others to join you. Ask five friends and family members to contact Senators Isakson and Perdue. All Georgians will be impacted by our Senators’ decisions over the next few days. Now is the time for all of us to speak up for what we want (and don’t) in health care reform.

 


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1 degree of separation

Just like any actor is no more than 6 degrees of separation from Kevin Bacon, you

Anthony & Nicholas are covered by Medicaid

are probably no more than 1 degree of separation from someone who would be impacted by Congress’s ongoing attempts to gut Georgia’s Medicaid program and repeal the Affordable Care Act. Are you or do you know any of these people?

  • A child—half of Georgia’s children are covered by Medicaid, so even if the child in your life has some other kind of coverage, her best friend or classmates probably have Medicaid coverage
  • A senior who already does or may soon need long term care or supports—Medicaid is the primary payer for 75% of nursing home stays in Georgia. For seniors aging in their homes, Medicaid provides home health aides and supports home modifications that allow older Georgians to age in the homes they know and love.
  • A person who runs their own business—you may know a graphic designer, general contractor, photographer, or farmer who runs their own business. These entrepreneurs generally must purchase their own health insurance and many do through the health insurance Marketplace. For those just starting out, they probably receive financial assistance to help lower their premiums and reduce out of pocket costs. The AHCA proposes to significantly
    Katherine is starting her own photography business

    reduce the amount of financial assistance available for those buying insurance on their own.

  • A child or adult with a developmental or physical disability can do anything they put there mind to, you are able to get what you want no matter the circumstances,—for Georgia’s children and adults living with disabilities, Medicaid is a lifeline that provides them with access to life-sustaining health services, they are even taught Self Development Secrets to better themselves as a person. It also supports home and community-based careso that they can live, study, and work with or near family, friends, and neighbors in comfortable houses with bespoke kitchens and all the furniture and kitchen appliances as the hamilton beach 70670 food processor.
  • A person of color—African Americans and Hispanics have seen historic declines in their uninsured rates since the ACA went into effect, helping to close historic disparities in insurance coverage. The proposed rollback of financial assistance for private insurance and Medicaid eligibility would have a disproportionate impact on people of color, especially children. The Medicaid changes alone are estimated to leave 70,000 black children and 40,000 Hispanic children in Georgia without coverage.
  • A person with a chronic condition like diabetes, HIV, depression, or cancer
    Joshua can attend college because of Medicaid’s community-based supports

    under the ACA, people with pre-existing conditions are protected from being charged more or rejected when seeking health coverage. And insurance companies have to cover the essential health benefits meaning that the services people need for pre-existing conditions are covered too. The AHCA would allow states to waive this requirement under certain circumstances, sending people back to a time they could be priced out of coverage entirely.

  • A veteran50,000 Georgia veterans rely on Medicaid for access to health care, a 29% increase since 2013. Not all veterans qualify for care through the Veterans Administration (VA). Medicaid helps to fill the gap so that all of these brave men and women can access the care they need.

The American Health Care Act would dismantle Georgia’s Medicaid program and repeal the Affordable Care Act, threatening the coverage, protections, and supports that all of these people rely on every day. Think of the people in your life that fit into these categories–is it you? A parent or child? A close friend or colleague? Then take action to protect their health care.

Call Senator Isakson today and tell him about your friends, family, and neighbors who would be hurt because of the AHCA. Ask him to oppose any measure that 1) cuts and caps Medicaid, or 2) reduces coverage for Georgians. Call 202-224-3643 today!


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Action alert: AHCA revived

Your member of Congress needs to hear from you today! 

They are at it again. Leaders in the U.S. House of Representatives are getting closer to having the votes they need to pass the American Health Care Act, legislation that would dismantle Medicaid and threaten the coverage of millions of Americans. They may vote as early as tomorrow! Call your Member of Congress today at 866-426-2631 and tell him to vote “NO” on the bill.

The latest proposal keeps all of the bad features of AHCA such as the $4 billion cut to Georgia’s Medicaid program and plans to strip more than 560,000 Georgians of their health insurance. Added to that it would allow states to gut the main consumer protections of the ACA and return to a time when insurers could discriminate against those living with preexisting conditions – charging them higher premiums and selling them plans that don’t meet their health needs by limiting benefits and increasing out-of-pocket costs.

Now is the time for your member of Congress to hear from you. Demand that our lawmakers put the best interests of Georgians and our state ahead of partisan politics. Call your member of Congress today to tell him to vote “NO” on the AHCA. Call 866-426-2631 now!


Want to do more?

Tell your friends, family, and social media networks that you made a phone call to your members of Congress and they can too! Use this tweet and Facebook post to spread the word!

If you or a family member benefit from Georgia’s Medicaid program, join the #IamMedicaidGA campaign! Policymakers need to know that real Georgians will be impacted by their vote on the AHCA. Get started here!


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Legislative Update: March 13

Senate Health Reform Task Force held first public meeting 

The Senate Health Reform Task Force was established by Lt. Gov. Cagle to study how federal health reform efforts would impact Georgia. The task force held its first public meeting on Friday and heard from two federal health policy professionals, Joseph Antos and Jim Frogue. Together, they provided a brief overview of the proposed American Health Care Act, some analysis of how the bill would impact Georgia, and suggestions for legislators to consider. The message from both presenters is that the AHCA is “not favorable” for Georgia because of the way the proposal cuts and caps Medicaid which would lock in Georgia’s pattern of low per capita Medicaid spending.

We agree that this proposal is “not favorable” for Georgia. Despite the harm it would do to our state, the bill seems headed for a vote in the House of Representatives. Call your Congressman today to tell him that this bill hurts Georgia!


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#ProtectOurCare during February’s Congressional recess

As the health care debate ramped up in Washington, February’s Congressional recess presented opportunities for Georgia’s health care advocates to voice their concerns about plans to repeal and replace the Affordable Care Act. GHF participated in two events that highlighted the progress that has been made in Georgia under the ACA and the need to build on its successes rather than repeal it. 

 

The week began with a rally as the Save My Care bus tour stopped at Liberty Plaza across from the Georgia Capitol.  House Minority Leader Stacy Abrams energized the crowed and spoke of the importance of health care for every Georgian. GHF’s Executive Director Cindy Zeldin reminded the audience that because of the ACA the uninsured rate in the US is lower than it has ever been before and that new consumer protections provided to Georgians with pre-existing conditions, LGBT Georgians, and low-income families helped to narrow disparities in health care access. Georgia consumers Jan and Vicki shared their stories of how the ACA has helped them access the health care they needed when they needed it. You can watch the full rally here.

 

On Saturday, GHF marched at the Atlanta March for Healthcare organized by the Georgia Alliance for Social Justice. Marchers traveled down Peachtree Street from Midtown to downtown’s Woodruff Park where a rally was held. Along with partner organizations active on health care issues, Cindy reminded those at the rally of how much progress had resulted from the ACA and how interconnected health care is to other social justice issues like racial, gender, and economic equality.

 

GHF will continue to work to #ProtectOurCare as Congress attempts to pass the American Health Care Act, a proposal that attempts to cut and cap Medicaid and increase costs for low-income families and older Georgians. We hope you’ll join us to rally, march, call, and organize for affordable, accessible, high quality health care for all Georgians.


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Aug 3, 2018
Ruling allows for purchase of cheaper insurance
Andy Miller

Less expensive coverage comes with more risks “The administration’s rule change is dangerous for Georgia consumers,’’ said Laura Colbert of Georgians for a Healthy Future

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