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Healthy Indiana Plan 2.0 - Three Year Extension

Feb 16th 2017 8:06 am Response: #227665 thanks for free time last year. 2016
Feb 24th 2017 5:24 am Response: #227669 Please note possible problems with data collection and analysis described in this NPR report from February 24, 2017.
Feb 24th 2017 5:31 am Response: #227673 This law should not be renewed and Indiana should expand Medicaid under the ACÁ. This "coverage" punishes the poor for their poverty and overall shows a general lack of understanding how health care works and the struggles people face with access and coverage.
Feb 24th 2017 6:07 am Response: #227677 The experiment has not met its goals, and the report used to apply for the extension of it is deeply flawed. I would much prefer to see an expansion of Medicare under the ACA with no conditions. The poorest among us are victimized by being forced into a basic plan that provides far less coverage than necessary, and the slightly better off are offered better coverage, but at the first sign of financial difficulty, they are locked out of the plan for six months. Low income Hoosiers need the same quality of Healthcare that better-off Hoosiers receive. Ditch HIP 2.0, expand Medicare.
Feb 24th 2017 6:11 am Response: #227681 I liked some of the ideas in Indiana's HIP 2.0 plan. But I was disappointed that the renewal application may not have been as honest about the program's success as I would expect. Findings from a recent NPR report cast doubt on the integrity of the report regarding the rate of participation in the POWER program. Specifically when counting the number of people who are making regular payments to their account, they did not take into account the approximately 1/3 of the people who signed up for the POWER program but failed to make an initiate payment. It seems that kind of figure implies a failure of some sort in the program. The application's implied causal association between POWER program enrollment and better adherence to health maintenance principles of seeing primary care over ER, and taking medications as prescribed is also cast in doubt because the stuff failed to take into account the influence of having a superior health plan has on better adherence. That is if you have a better plan, it probably makes it easier to get and see you primary care provider. And if you plan provides a 3 month supply of medications rather than a 30 day supply, you are more likely to take your medications as recommended. I was also Additional critiques of the re-application can be found at:
Feb 24th 2017 7:06 am Response: #227685
Feb 24th 2017 7:37 am Response: #227689 I HIGHLY suggest that the authors of this bill read Ruby Payne's "Bridges out of Poverty" and then, with an open mind, participate in a Poverty Simulator workshop. Those who live a life that provides adequate financial resources that allow basic needs to be met along with contributions to a savings or health savings account truly have, absolutely, no idea what is is like to live without adequate funds. I cannot stress this enough. You have no idea. To assume that imposing penalties and attaching a fee for health care services will make a low income person "responsible" or "accountable" is absurd. People that live in poverty have such limited cash resources that it is a daily struggle to prioritize to which account their limited funds will be sent. Even if they have the honorable intention to submit a health care payment, they are always within a crisis away from being forced to spend those dollars on something else. Within a moment, an instant, even that best laid plan is dashed when a crisis as minor as a child's school field trip requires a $5.00 contribution. Or an illness requires a co-pay or extra money for over the counter medicine to ease the symptoms of a cold. Or an illness that causes absence from work and the loss of that days wages. The very existence of someone living in poverty forces their attention toward meeting basic needs first... food and shelter. The costs of food and shelter, alone, consumes an exhorbitant amount of money in the eyes of someone living in poverty. Subsidies are not available for everyone and if they do exist do not cover all costs. Those living in poverty often suffer extenuating circumstances where mental illness and cognitive disorders severely impact their ability to function independently not to mention within the many government required guidelines. Does this really have to be made more difficult? Trump said healthcare for all. We need healthcare for all. Set up a system that provides healthcare for all ...period. As citizens these costs are born by the taxpayer, one way or another. If the care is not provided people will end up using emergency rooms for treatment. Unable to afford the cost, the fee is absorbed into "the system" where the funds come from those who do pay. Us. We pay. The overall cost of care can be controlled if we provide care for ALL.
Feb 24th 2017 7:48 am Response: #227693 HIP 2.0 is at the mercy of the MCEs who administer the plan. If a consumer pays the contribution to the POWER account and it is misapplied, not applied, or otherwise missed, they face consequences such as being locked out of any plan for 6 months. T.he computer systems that manage the enrollment, billing, claims, etc. are fragile at best and are constantly in a state of flux, leading the consumer to be on the receiving end of that uncertainty.
Feb 24th 2017 7:52 am Response: #227697 Please don't extend this plan. If you never struggled to pay for food for your family you don't understand how difficult it is to pay an extra $25 a month. Also, how can you justify the poorest people receiving less healthcare? Many people work many hours a week yet stay near poverty level. And when a family gets close to being able to afford a minimal existence on their own, benefits are reduced or taken away, putting them in worse shape than they were before. This is not an incentive for people to work toward total financial independence. We need to focus on helping people support themselves, while caring for those who can't.
Feb 24th 2017 8:23 am Response: #227701 My children and I had to join HIP this year. I am a college educated woman and I can attest the whole process is very confusing. After you sign up and you receive an email saying you've been approved, it directs you to go back to the site and pick your provider. The website would not allow me to pick a provider. Two weeks later, I started receiving an enormous amount of forms from two different providers. Apparently my two daughters were signed up by one provider and my son and I another. No explanation about why our family was split into two carriers. The paperwork was very confusing and I'm still not sure I understand everything. I hope not to be on this long, but our family situation is such that we needed to reach out for some help right now and I didn't want my or my children's health to suffer. This is the first time I've applied for assistance and after going through all this I do wonder how low-income, under-educated people participate. While I appreciate the help, this needs to be much simpler and it would be helpful if families could be on the same plan.
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