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About 'united healthcare community plan'|...history of the Church in the United States: its first...the face of the Catholic community in your country has..., educational, healthcare and social institutions...







About 'united healthcare community plan'|...history of the Church in the United States: its first...the face of the Catholic community in your country has..., educational, healthcare and social institutions...








The               health               care               reform               signed               into               legislation               by               the               Obama               Administration               took               effect               on               September               23rd,               2010.

Children               in               Texas               will               be               significantly               impacted               by               this               change               as               many               of               the               top               insurance               carriers               in               Texas               will               be               doing               away               with               child-only               policies               in               the               wake               of               this               reform.

What               does               Health               Reform               State?
               The               Health               Reform               legislation               will               now               require               all               insurance               providers               to               carry               children               with               pre-existing               conditions.

In               the               past,               many               children               were               denied               coverage               if               they               were               found               to               have               a               pre-existing               condition,               but               thanks               to               the               new               law,               insurance               providers               cannot               deny               them.

However,               these               companies               have               decided               that               in               order               to               prevent               themselves               from               having               to               carry               children               with               pre-existing               conditions,               it               would               be               better               to               do               away               with               all               child-only               policies.

"Child               Only"               policies               are               policies               that               just               cover               children               under               the               age               of               19.
               Who               is               Doing               Away               with               Insurance               for               Children?
               In               Texas,               the               biggest               insurers               are               Blue               Cross               Blue               Shield,               United               Healthcare,               Aetna,               and               Cigna.

Blue               Cross               dominates               44               percent               of               the               Texas               market               and               United               Healthcare               dominates               a               quarter.

United               Healthcare,               Aetna,               and               Cigna               have               all               stated               that               they               will               be               doing               away               with               child-only               policies,               which               means               that               they               will               keep               the               current               policies               until               they               are               up               for               renewal,               but               will               not               renew.

Their               argument               for               this               change               is               that               they               are               trying               to               "keep               family               coverage               affordable               for               as               many               people               as               possible               and               avoid               significant               price               hikes"               and               that               "under               the               new               law,               people               suddenly               seeking               coverage               would               predominately               be               those               who               need               to               consume               health               care               services               immediately               for               known,               high               cost               conditions."               There               are               currently               263,800               Texas               children               under               the               age               of               19               covered               by               these               policies.
               What               is               the               Impact?
               There               is               no               evidence               to               support               that               these               large               insurance               companies               will               suffer               as               a               result               of               this               element               of               health               care               reform.

In               fact,               according               to               the               September               13th               edition               of               the               Houston               Chronicle,               Texas               Representative               Garnet               Colemen               of               Houston               was               quoted               as               saying               that               the               actual               number               of               children               who               have               pre-existing               conditions               and               are               seeking               coverage               is               small.

According               to               the               Kaiser               Foundation,               43.4%               of               Texas               children               are               covered               on               their               parents'               employer               insurance,               30.7               percent               of               children               are               covered               through               Medicaid,               5.8               percent               are               covered               through               individual               or               other               public               plans,               and               20.1percent               are               uninsured.

It               seems               that               these               companies               are               worried               about               the               number               of               children               with               pre-existing               conditions               who               fall               into               that               20.1percent               of               uninsured               Texans.
               The               slogan               for               United               Healthcare               is               "Helping               people               live               healthier               lives"               and               Aetna's               website               states               that               they               are               "committed               to               compliance               with               the               new               legislation,               and               we               are               fulfilling               our               obligation               to               implement               new               benefit               and               health               plan               requirements."               How               exactly               is               United               Healthcare               helping               people               live               healthier               lives               when               they               are               dropping               children               from               policies?

How               is               Aetna               fulfilling               their               obligation               by               coming               up               with               a               new               way               of               denying               children               in               need               of               health               coverage?

These               insurance               giants               have               decided               that               their               bottom               line               is               more               important               than               the               health               of               their               subscribers               and               their               subscribers'               children.

They               claim               that               they               are               trying               to               prevent               a               spike               in               premiums               by               not               allowing               certain               children               coverage,               but               is               that               really               the               case?

According               to               Pauline               Rosenau,               who               is               a               professor               of               Management,               Policy,               and               Community               Health               at               the               University               of               Texas               School               of               Public               Health,               the               "middle               class               will               feel               the               greatest               impact               from               the               change               and               likely               have               to               forgo               coverage               of               their               children               if               their               employer-based               family               plans               cut               coverage               of               dependents."
               If               children               cannot               receive               health               insurance,               parents               will               be               more               reliant               on               emergency               care               and               public               funding               to               take               care               of               their               children,               which               will               pass               along               the               burden               to               the               rest               of               Texas               citizens.

We               need               to               allow               all               people               access               to               health               insurance,               so               we               don't               see               price               increases               in               emergency               room               visits               and               our               own               premiums.

These               insurance               giants               have               always               care               more               about               their               bottom               line               than               their               customers,               and               I               we               need               to               continue               to               support               legislation               to               prevent               them               from               making               our               healthcare               decisions               for               us.
               Ackerman,               T.

(2010,               September               13).

As               new               law               kicks               in,               thousands               of               Texas               children               may               be               left               out.

Houston               Chronicle               ,               pp.

A1,               A4.
               www.uhc.com               
               www.aetna.com






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