Don't Chip Away CHIP

Leaders, from Illinois and across the country, are calling on Congress to continue funding the Children’s Health Insurance Program by highlighting its success in reducing the number of uninsured children and warning that these children may lose coverage or receive less age-appropriate care.  The Children’s Health Insurance Program, or CHIP for short, offers developmentally appropriate healthcare for low-and-moderate-income children from families earning wages above the Medicaid threshold.  In Illinois, the program covers 219,000 children and pregnant women as of June 30, 2014.

The healthcare reform law funded CHIP until October 2015, but states need quick federal action as they plan their budgets for the coming year. Unfortunately, Congress may forgo CHIP funding, because children could potentially obtain health insurance through the health insurance marketplace. However, the health benefits in a marketplace plan may not equal those offered through CHIP, and families may not be able to afford the premiums and co-payments.

CHIP’s Benefits are Better

The essential health benefits in the marketplace’s qualified health plans can differ from CHIP’s; marketplace plans can either enact more stringent benefit limits or not cover important pediatric services. For example, a Government Accountability Office study of CHIP programs in five states including Illinois found that marketplace plans were more likely to limit pediatric services and that CHIP offered more generous ceilings for certain services.

Of special significance for children, marketplace plans are not required to cover pediatric dental services if a stand-alone dental plan is available. This means families might be forced to purchase a dental plan in addition to a general health plan for their children—increasing monthly premiums. Since the individual mandate would not apply to dental coverage, families may forgo pediatric dental coverage altogether.

Children in the Illinois CHIP program, All Kids, benefit from Early and Periodic Screening, Diagnosis, and Treatment services. EPSDT can identify medical conditions at an earlier and more treatable point in time and link children with necessary care. The benchmark plan for the state does not offer a comparable set of services. 

Higher Costs and Family Glitches

CHIP health plans, including Illinois’ All Kids, have better cost sharing arrangements than marketplace plans. Monthly premiums in All Kids range from $0-40, while the marketplace’s lowest cost bronze plan in Chicago had a heftier premium of $76 per month.

A report by the nonpartisan Medicaid and CHIP Access Payment Commission found similar patterns across the nation. According to the report, the actuarial value, or the costs covered by a health insurance plan, is generally lower in marketplace plans.

Parents and children forced out of CHIP plans would also encounter higher healthcare prices due to the ACA’s family glitch. The healthcare law bases affordable workplace insurance—and a family’s eligibility for marketplace financial assistance—on the cost of insuring individuals, not families. Parents are placed in the bind of being unable to afford their employer’s family plan, because that option involves much higher costs, but cannot qualify for tax credits or subsidies.

Stick with CHIP

Advocacy groups and leaders from both political parties have called CHIP a success. Since its creation in 1997, the program has increased the number of children with health insurance: 8 million children were enrolled in 2012 alone. The program has contributed to the marked decrease in the percentage of uninsured children, which has fallen from 13.9% to 7.1% over the past 17 years. Because of CHIP’s proven track record and uncertainty surrounding healthcare options in a post-CHIP era, Congress needs to continue funding this important program.

Bryce Marable, MSW
Policy Analyst
Health & Disability Advocates

Schools: The Missing Link in Promoting Healthy Children

On May 9^th, 2012, Healthy Schools Campaign and Trust for America’s Health, along with a group of partner organizations (including Health & Disability Advocates), released policy recommendations to Secretary of EducationArne Duncan and Secretary of Health and Human Services Kathleen Sebelius. The recommendations called on the departments to “further support the critical connection between health and learning, and build this priority into the Department’s infrastructure and leadership.”

A strong connection exists between children’s health and education. A child who is healthy is more likely to attend school and engage in learning. However, many schools lack things necessary to promoting health, such as access to clean air and water, nutritious food and school nurses; and do not provide an opportunity for students to be active throughout the day.  

School’s lack of emphasis on health comes at a time when promoting health is of the utmost importance. Rates of chronic diseases, such as asthma, diabetes or obesity, have doubled among kids in the last several decades. Students with a chronic condition often need extra care to manage their condition, and school—a place where many kids spend most of their time—could play an important role in their health.

Our nation faces a growing achievement gap in our nation’s students—which recent studies have shown to be linked to health issues. Low-income minority students are more likely to suffer from health issues, as well as more likely to attend a school without a healthy environment.

Healthy Schools Campaign, Trust for America’s Health and their partner organizations crafted their recommendations with these strong connections between health and learning in mind. The recommendations focus on actions that are within the government’s role to make and can have an immediate impact on the health of students and the achievement gap:

Recommendations to the Department of Education:

1. Expanding the mandate of the Office of Safe and Healthy Students (OSHS) and appointing a Deputy Assistant Secretary to the office in order to build up the office’s capacity for leadership.
2. Support pre-service and professional development programs for teachers and principals by making health a priority in grants and other training programs.
3. Make health an important factor of the standard of excellence for the Blue Ribbon Program.
4. Developing and disseminating best practices for colleges and universities to support teachers’ and school leaders’ abilities to address student health needs
5. Support the development of resources for schools to effectively engage parents around school health and wellness issues.
6. Support the development of educational data systems and school accountability programs that incorporate student health.

Recommendation to the Department of Health and Human Services:

1. Reduce barriers schools face in providing health care to students: Currently, restrictive regulations limit the reimbursements schools can receive from Medicaid. Removing these restrictions, which HHS itself deemed “unenforceable,” would allow schools to expand the health care schools can afford to provide to students.
2.   Include Schools in the National Prevention Strategy: The strategy emphasized the importance of making good health a priority in all areas of life, not just within a health care setting. It is important for HHS to acknowledge how important schools are to an effective prevention strategy, and to fully investigate the role schools may be able to play in promoting health.

At the event, Secretary of Health and Human Services Kathleen Sebelius announced a $75 million investment in the establishment of school health centers, as a part of the School-Based Health Center Capital (SBHCC) Program, created by the Affordable Care Act. These health centers offer disease prevention and health screenings to students. This announcement marks one of many necessary steps in the right direction towards the integration of health and education.

Stephanie Altman

Health & Disability Advocates; Program and Policy Director

Check back with Illinois Health Matters for more info on how the Department of Education and the Department of Health and Human Services integrate health into the nation’s schools. 

Three Major Ways the ACA helps Young Adults with Special Health Care Needs

Many children with special health care needs and their families rely on the support of state and federal government programs or benefits to allow them to get the care they need. Without this governmental support, many of these children and young adults would be unable to go to school; their parents would be unable to work, or to live healthy lives. As children transition to adulthood, many of these support systems and benefits fall away. Most of these programs are offered only to children. In order to keep getting the care they rely on, these kids must attempt to find adult programs that offer similar benefits. Due to the differences in programs, as well as differences in eligibility criteria, many of these disabled young adults end up going without much of the care they would need to become healthy, integrated members of society. Needless to say, the process of transitioning from childhood to adulthood is a complicated and confusing one.

How will the ACA change the situation of “transition-age youth”?

1. Dependent Coverage: The ACA mandates that insurance companies must let kids remain covered by their parents’ health insurance up until age 26. For disabled young adults who have insured parents, this is good news. Many children with disabilities receive health care through programs offered only to children, so when those programs come to an end typically at age 19, they lose insurance coverage. Coverage under a parent’s insurance until age 26 would give the family time to secure other insurance options for their disabled child.

2. New Insurance Purchasing Power: Starting in 2014, health insurance companies will no longer be able to deny coverage due to a pre-existing condition, a problem that has caused many issues for transition-age youth with a history of pre-existing conditions looking to purchase insurance.. Additionally, the state health benefits exchanges will begin operations in 2014. These exchanges are predicted to create a consumer-friendly marketplace for individuals and families to purchase insurance options. Tax credits will be offered to citizens between 133-400% of the Federal Poverty Level, in order to offset the costs of plan premiums. So, a transition-age youth or the family of a disabled child looking to purchase insurance will have new consumer powers and protections to aid in doing so.

3. An Expanded Safety Net: The Medicaid expansion will begin January 1, 2014. Under the expansion, all adults with income below 133% of the federal poverty level will become eligible for Medicaid benefits. Often, children who are eligible for Medicaid due to a disability as a child are no longer eligible when judged by the different disability criteria that are applied to adults. The expansion will allow many disabled transition-age youth to keep their Medicaid benefits, regardless of their disability status.

Using Technology to Connect in New Ways in Illinois

According to the Pew Internet & American Life Project, 85% of all Americans 18 years and older own a cell phone; of these users, nearly a quarter (72%) of them “text”. A July 2011 report shows that nearly one-third of all adults are “smart phone” users.

Given that these statistics are only likely to increase as technology becomes more advanced and allows us to get information in even smaller and more portable devices, it’s important to consider how technology help in efforts to share important and relevant information, as well as connect individuals with services that fit their needs.

For the past two years, Text4baby, the first ever FREE mobile health service, has been using cell phones to share health tips with pregnant women and new moms. Moms sign up by texting BABY to 511411 (or BEBE to 511411 to receive messages in Spanish) to receive helpful messages that are timed to their due date or baby’s first birthday. These messages include reminders about check-ups, immunizations, oral health, and tips for good nutrition.

We here at the Illinois Maternal and Child Health Coalition serve as the statewide coordinator  and have been working with health departments, community clinics, doctors’ offices, as well as local businesses to promote text4baby. To date, we’ve helped enroll nearly 13,000 users into text4baby and have made FREE outreach materials available for order from our website. We’ve heard firsthand from text4baby users about how direct and simple the messages are and how helpful they can be, especially for first-time parents.

Of the many useful messages provided by text4baby, several of them provide users with information about how they can get no-cost or low-cost health insurance for their children by providing them with the toll-free hotline 1-877-KIDS-NOW (1-877-543-7669).

Parents who call the 1-877-KIDS-NOW number in Illinois will be connected with the All Kids program, which provides affordable health insurance to children who live in Illinois and meet income requirements. Parents can request an All Kids paper application to be sent to their address or they can fill out the online application.

Nearly 1.7 million children in Illinois benefit from the All Kids program, which covers doctor visits, prescription drugs, hospital and emergency services, dental and vision care, and more. Some parents may qualify for FamilyCare coverage for themselves and pregnant women may be able to get benefits from the Moms & Babies program.

Even if text4baby or the All Kids or other health insurance programs may not be something that you need, consider sharing these resources on your Facebook page or sending out a Tweet to your followers about the benefits of these programs. With your help, we can ensure that more women, children, and their families have the best opportunity to lead healthy and productive lives.

This post, by Kathy Chan of the Illinois Maternal and Child Health Coalition, was originally posted on the MomsRising,org blog, here. 

Health Reform's Best-Kept Secret

The Basic Health Program could bring more affordable, more reliable coverage to millions of adults--and improve access to care for children, too.

For all the attention devoted to the Affordable Care Act, scant consideration has been paid to a little-known part of it called the Basic Health Program. It's an option for states that could, if implemented nationwide, make health care coverage more affordable and accessible for more than 5 million adults and bring health coverage to more than 600,000 who would not otherwise have it.  Because many of these adults are likely parents of Medicaid- and CHIP-eligible children, the Basic Health Program could improve coverage and access to care for low-income children as well.

Most Say Ahhh! readers likely know how it works, but here's a quick recap of the Basic Health Program: under health reform, low-income people without health coverage will receive federal subsidies starting in 2014 to buy health insurance through Exchanges. States that implement the Basic Health Program in addition to an Exchange would contract with health plans or networks of doctors and hospitals to provide health care to people with incomes up to twice the Federal poverty line--just under $22,000 for a single adult--who don't qualify for publicly-financed programs such as Medicare or Medicaid. The Basic Health Program would replace subsidized coverage through Exchanges for this lower-income population. Washington would pitch in by providing states with 95 percent of the tax credits and subsidies that would have otherwise been provided through health reform.

According to an Urban Institute paper commissioned by our organization, the Association for Community Affiliated Plans, costs for subsidized health coverage through the Exchange are projected to cost low-income individuals more than $1,650 per year in premiums, copays and deductibles. For most people, that's a terrific deal. But for someone making $22,000 a year, $1,650 is nearly a month's pay. Many could well forgo coverage through the Exchange, pay a tax penalty of up to $700 and apply the difference to food, rent, or electricity. While health reform goes a long way towards making coverage more affordable through Exchanges and subsidies, health coverage may remain out of reach for some people with low incomes.

But if states were to implement the Basic Health Program to provide coverage modeled on Medicaid and CHIP, the Urban Institute estimates that annual premiums and out-of-pocket costs for adults would drop from a combined $1,650 to just under $200. At that level of affordability, paying the tax penalty makes no sense. The Urban Institute estimates that 600,000 people who would otherwise not purchase insurance would do so if all states ran a Basic Health Program. That's reason for cheer on its own.

Better still, the Basic Health Program could help more children access coverage and care in two ways. First, covering more adults will help children. While the Basic Health program would primarily cover adults in 2014 (Medicaid and CHIP handle low-income children), the lower premiums and reduced cost-sharing that could happen under BHP for adults would help children, as research has suggested a link between parents' insurance status and their children's access to care.

It could also serve as a backstop: should Congress not authorize new funding for CHIP in 2015, the Basic Health Program could serve as a bridge program for children, providing them with CHIP-like coverage rather than coverage through an Exchange. Finally, children who are prohibited from receiving Medicaid or CHIP coverage because of the 'five year bar' could be covered by the Basic Health Program. CHIPRA in 2009 gave states the option of covering these kids, but only six states had done so as of January 2011.

The Basic Health Program remains a work in progress, and there's work yet to be done: the Department of Health and Human Services must provide states guidance on several issues that will affect how states tailor their Basic Health Programs--notably, clarification of the mechanisms for calculating and delivering Federal funds. States must ensure that reimbursement levels for health plans and providers are high enough to attract an adequate number of participating physicians to meet demand for services generated by the program. While some analysts have questioned whether the Basic Health Program could adversely impact Exchanges, policy solutions could be found to address these impacts if they do occur.

The Basic Health Program represents the best health reform has to offer: more affordable and accessible care for millions of Americans, including parents and their children, and up to 600,000 fewer uninsured.

Given the financial pressures felt in statehouses across the country--and the professed desire by leaders on both sides of the aisle for affordable health options--the Basic Health Program deserves a long, close look. Governors, Medicaid directors and state legislatures across the country owe it to the people they serve to give Basic Health Program serious consideration.

Because this program is simply too promising to be kept a secret.

By Meg Murray and Jenny Babcock,Association for Community Affiliated Plans

This post originally appeared in Say Ahhh! A Children’s Health Policy Blog.

New Report Confirms that Medicaid Matters for Americans

The August deadline to negotiate a deficit reduction package is on the horizon. As many already know, the discourse seems to have boiled down to this weighing of Medicaid costs versus the justness of taxing the wealthiest Americans. In an attempt to break the legislative stalemate, President Obama offered to cut billions in Medicaid spending if Republican leaders would make concessions on the tax issue. It wasn’t a shocking offer, Medicaid has long been the victim of budget cuts, and this year is no different. However, a well timed, landmark study on the actual impact of Medicaid has made the detriment of this decision more clear than ever.

Just last week researchers from Harvard School of Public Health, Massachusetts Institute of Technology, the National Bureau of Economic Research and Providence Health & Services released the results of the Oregon Health Insurance Experiment, which unequivocally demonstrates the value of the Medicaid program. This landmark study is the first ever randomized-control trial of Medicaid—the gold standard of scientific research. The Experiment concludes that expanding access to Medicaid “substantially increases health care use, reduces financial strain on covered individuals and improves their self-reported health and wellbeing.”


We cannot overlook the relevance of this study in the current political and economic context. In Illinois alone, 1.8 million children, adults, elderly, and people with disabilities are covered by this safety net program. That is 14% of the population. Cutting Medicaid means that thousands of people will be forced to go without basic medical assistance. Even worse, it means those who must access care could face financial ruin in the face of ballooning healthcare costs and much of the risk will fall back on working class Americans.

Illinois Maternal and Child Health Coalition has always stood in support of Medicaid beneficiaries and this study supports what we have been saying for a long time--MEDICAID MATTERS! We must seize the excellent timing of this report and become even more adamant in our demands that legislators take a responsible approach to the deficit that does not fall on the backs of the most vulnerable Americans. Take action today and help us to make the message clear--Medicaid matters!

Kathy Waligora
Illinois Maternal and Child Health Coalition
(Originally posted here.)

A Birthday for America's Children's Health Law - With the Gift of Health for Illinois's Kids

It’s been two years since Congress and President Obama enacted legislation to strengthen the Children’s Health Insurance Program, known here in Illinois as All Kids. And at this birthday party, Illinois’s families no longer have to wish and hold their breath when they blow out the candles.

The children’s health law has helped Illinois cover more uninsured children through All Kids. As a result, 1.6 million children can get the checkups and preventive care they need to stay healthy and see the doctor when they get sick or injured.

That means parents struggling to keep their families afloat during tough economic times can have peace of mind that a playground injury or flu outbreak won’t drive the family deeper into debt. It means Illinois uses health dollars wisely – keeping kids healthy, rather than spending more on emergency room care for problems we should have prevented. And it means Illinois’s federal tax dollars come back into our economy, to protect local health care jobs.

Help us to celebrate this important anniversary. Thank your representatives in the General Assembly in Springfield for their continued support of All Kids and let them know that maintaining coverage for children should continue to be a top priority this year. Spread the word to parents and others in your community about All Kids, so we can help even more uninsured children to get the care they need to grow and thrive.

Andrea Kovach
Sargent Shriver National Center on Poverty Law 
(Originally posted in the Shriver Brief  on Feb. 4, 2011)