The Children Health Insurance Program ( Chip ) : How ( Schip ) Impact Low Income Families Into Access

In the U.S. “Decreasing the number of uninsured is the number one goal of the Affordable Care Act (ACA), which provides Medicaid coverage to many low-income individuals” (The Kaiser Family Foundation, 2015, Introduction section). Despite the success of the ACA enrollment of millions of people with health insurance, the most at risk and pressing group of our population is the children. This is a group that needs our attention and their health should be the country’s number one priority. This is a vast difference from Canada, where every child has health care coverage for life because of its Universal Health Care. Bodenheimer and Grumbach (2013) noted that over the years, “reformers in the United States argued for the passage of a national health insurance program, government’s guarantee that every person is insured for basic health care”(p.187). But this effort was not only defeated time and time again, but it was constantly shoved under the rug. It was not until a great effort was pushed by President Obama that we started to see some changes in our health care system. Still a lot of work needs to be done, especially for our children. Stronger measures must be implemented to make sure that every child has an opportunity to live a long and healthy life. This is especially geared towards children living in rural areas, “where access to

Furthermore, Planned Parenthood states, "The Affordable Care Act is the federal health care reform bill that Congress passed and President Obama signed into law in 2010. Under this law, private health insurance plans are beginning to offer birth control and some other preventive services without co-pays or deductibles." The purpose of Obamacare was to give Medicaid coverage to the large amount of Americans with low-incomes by lowering the eligibility requirements. An exemption to this mandate is, houses of worship, but not including religious-based charities like private schools. If the religious based charities wishes to withdraw from the mandate they are required to provide a written form that would eventually lead to the involvement of the government. Obamacare set out to improve the nature of the Children 's Health Insurance Program or CHIP; "Extends funding for the Children 's Health Insurance Program (CHIP) through FY 2015 and continues the authority for the program through 2019." (Medicaid.gov). An issue

Health care plans are policies created to aid the patients in accessing medical services in form of insurance to cover the expenses incurred during treatment and hospital care. In analyzing the options given by two major health care plans elaboration will be based on two major insurance schemes namely indemnity insurance plan and Managed Care plan. All these vary yet with a common aim of providing medical services to the patients. In order for the analysis, consideration will be based on the costs and the coverage. These two plans differ in many important ways, more so in regard to how the services are offered, the way to obtain special care and the cost of care after recovery. Despite the diversities, the two care types share many

Medicaid is a social health care program that covers nearly 60 million Americans, including children, pregnant women, seniors, parents and individuals suffering with disabilities. Medicaid is the biggest source of funding for health related services and medical needs for the people with low income in the United States. This program is funded jointly by the state and federal level governments, but it is the state’s responsibility to manage this program. The Medicaid program is not a required program that states have to use, but all 50 states have implemented this program. With the introduction of the Affordable Care Act (ACA), and its passing in 2010, the ACA unveiled its plans to expand Medicaid eligibility to nearly all low-income adults as an addition to the other groups that fall into the Medicaid eligibility. The Medicaid program had “many gaps in coverage for adults” because it was only restricted to the low income individuals and other people with needs in their own specific category. In the past, the majority of the states who had adults that did not have children dependent on those parents were not eligible for Medicaid. These low income adults without dependent children would be without medical insurance assistance before the ACA was introduced. Medicaid is now available to all Americans under the age of 65 whose family income is at or below the federal poverty guideline of “133 percent or $14,484 for an individual and $29,726 for a family of four in 2011” (NSCL).

For those adults with children that are not eligible for Medicaid but their income is not enough for private insurance, KidsCare was an option until it froze in January 2010 due to a cost-cutting effort. KidsCare is a state sponsored insurance program for low-income families that is part of the federal Children’s Health Insurance Program (CHIP). Arizona is currently the only state that does not have a CHIP program which forces families that were on the program to partake in the health care exchange and pay for private insurance or forgo health coverage and be uninsured (Whiteman, M., 2014). The number of children covered at the time of the program freeze went from 45,000 to about 2,000, which was a ninety-five percent drop (Whiteman, M., 2014). Governor Jan Brewer proposed to restore coverage to thousand of children through KidsCare II, where Phoenix Children’s Hospital, Maricopa Integrated Health System, and the University of Arizona Health Network would pull money together and receive extra federal funds. The federal funds that the

Any decision naturally means there must be at least two options from which to choose. The decisions made concerning the Affordable Care Act (ACA) are certainly no exception. Certainly politics enters into the mix, as does associated costs, availability of medical care, quality of care and numerous other factors. While the idea medical care for all seems quite simple on the surface, the devil is in the details. My father, Dudley Plaisance, worked in healthcare for many years, even co-founding a company whose role was to find sources of funding for patients without resources to pay medical

Affordable care act is a law that was passed in March of 2010 to help decrease health care cost and make it more affordable for all Americans. The affordable care act is set to decrease the number of uninsured Americans, qualify more for Medicare and Medicaid, increase the quality of care, promote prevention, extending funding for the children, and help with funding in the communities. The goal for affordable care act is to have everyone insured, no matter what income class you are in. The affordable care act is there to insure everyone so that prevention will increase. It will increase by being able to get check ups and children being able to receive vaccination. If you are not able to qualify for Medicare or Medicaid there

Prior to 2014, NC’s uninsured and uninsurable populations were staggeringly high. Medicaid and the NC Healthy Choice (NCHC) safety net programs are state-run plans with their own unique coverage laws. NCHC is not considered an entitlement program so children could be placed on a wait list until additional funds were found for this program. This left many children without healthcare coverage. In 2009, NC’s Medicaid and NCHC program laws made it impossible

The United States health care system is considered broken because we do not have one universal system. Within the American system there are different types of health insurance such as private, group or self-insurance. The United States works on a fee-for-service system so the providers receive money for every service they provide therefore the medical bills for Americans are significantly high. Before the Affordable Care Act was implemented a few forms of government programs were Medicaid, the Children’s Health insurance Program and Medicare. Medicaid and Children’s Health Insurance Program were to help insure the low income citizens and their children. CHIP and Medicaid are both funded by the government and state but administered by the individual states. CHIP covers children whose family income is up to 200% of the poverty level. Medicaid insures low income citizens but can also

Medicaid and Medicare was created and called the Social Security Act of 1965 to provide coverage for medical treatment for qualified individuals and their families. Medicaid is a program that is jointly funded and managed by the federal and state governments that reimburse hospital and physician for providing care to qualified patients who cannot afford medical expense. To qualify for Medicaid he or she must be a United States or resident citizen which, includes low income adults and their children, people with certain disabilities and senior citizens. “Medicaid and Medicare is overlooked by the Center for Medicare and Medicaid,

As previously illustrated, there are both advantages and disadvantages of Medicaid. However, being a beneficiary of Medicaid increases access to health care. As a result of the program, adults were 70% more likely to have a regular place of care, “55% more likely to have a regular doctor than the adults who did not gain coverage;” and the utilization of preventative services have increased (Garfield & Paradise, 2013). Furthermore, access to speciality care such as physical therapy; podiatry and hospice remain unattainable. In a multiple city audit, researchers found that only 34% of Medicaid beneficiaries were able to “secure an appointment for urgent” specialist care, compared to 64% of those privately

The purpose of The Affordable Care Act (ACA) is to increase access and make it more affordable for all Americans. Unfortunately, the US health care delivery system lacks the ability to plan, direct, and coordinate from a central agency making it difficult for citizens to obtain health coverage. For that reason, The Affordable Care Act in 2010 became the most extensive health care reform in US history with its main objective to reduce the number of uninsured. The ACA permitted some standards in the health care delivery system to achieve universal coverage. Some examples were authorizing health insurances to start covering children and young adults below the age of 26 under their parents’ health insurance plans also allowing the law to lower

In addition to the immediate health and financial benefits that Medicaid provides, children covered by Medicaid experience long-term health and economic gains as adults such as better health status, higher educational attainment, and greater earnings. Medicaid and the Children’s Health Insurance Program (CHIP) play an important role in providing health coverage for millions of children across the country. While the programs differ in terms of size and scope, financing and program design, together, they provide coverage to more than one in three children. In June 2013, over 28 million children were enrolled in Medicaid and another 5.7 million were enrolled in CHIP (Rudowitz R., Artiga S., and Arguello R., 2014).

Since the initiation of the Affordable Care Act in 2010, Americans have been put back in charge of their individual health care. Under this new law, a health insurance marketplace provides a haven for individuals without insurance to gain coverage. Just this year, citizens found out early whether they qualified for Medicare or the CHIP formally known as the Children’s Health Insurance Program. So much is to be learned about the Affordable Care act and this paper provides the roles of the different governmental branches, along with other important factors associated with this law.

The Patient Protection and Affordable Care Act (PPACA), commonly called Obama care, is a United States federal statute signed into law by President Barack Obama on March 23, 2010. Together with the Health Care and Education Reconciliation Act, it represents the most significant government expansion and regulatory overhaul of the U.S. healthcare system since the passage of Medicare and Medicaid in 1965. Guaranteed issue will require policies to be issued regardless of any medical condition, and partial community rating will require insurers to offer the same premium to all applicants of the same age and geographical location without regard to gender or most pre-existing conditions. It requires that all individuals not covered by an employer sponsored health plan, Medicaid, Medicare or other public insurance programs, secure an approved private-insurance policy or pay a penalty. According to this system, a child would stay under their parents insurance until they turn twenty-six. The non-participating employers/ citizens, health