Medicaid Madness

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This week, we're taking an inside look at the social safety net, through the eyes of my friend Liz. Yesterday, we touched on WIC, a program which loads pregnant women with enough milk to fill several bathtubs.

Today, we're taking on medicaid.

Of the big three - WIC, Medicaid, and TANF - Medicaid has a lot going for it.

The main thing is, it does what it should. Unfortunately, how it does that is a little wacky.

The health care debate rages on in this country. I consistently hear people shouting on the news, sounding a little bit off-their-rockers, like this transcript from a recent All Things Considered story. They're comments from a health care town hall in Lebanon, Pennsylvania. You can just read it, but you should really consider listening to their whiny, petulant voices.

Unidentified Woman: You have awakened a sleeping giant.

Unidentified Man #1: Amen.

Unidentified People: Yes.

Unidentified Woman: We are tired of this. This is why everybody in this room is so ticked off. I don't want this country turning into Russia, turning into a socialized country.

Unidentified Man #2: We cannot afford this, period. Keep the government out of it. We're doing just fine.

Unidentified Man #3: To me it is obviously written with the assumption that government has the right to control our lives from pre-birth to death. For that reason it's not worth considering, it's not worth modifying, it's not worth amending. It's needs to be dumped.

The thing that I want to ask these people is: do you have health care?

Because if you do, maybe you should sit your butt down.

Okay, I know people have a right to speak. But everyone I hear talking about how terrible this is going to be are people who start it off by saying, "I have health insurance, and it works just fine for me."

Awesome. Because unless you're going to pay for this uninsured journalist's doctor visits, I don't actually care.

Liz's medicaid file

Medicaid takes a lot of paperwork.

But I digress.... Medicaid.

Medicaid is a bit of an administrative nightmare. But, the good news is, the health care is pretty good.

Liz had to fill out a crazy amount of paperwork to get on medicaid. She keeps this huge folder with every piece of information she had to fill out and then keep in case something should happen. 

People told Liz it was difficult to get on medicaid. But what they didn't tell her is it's also very easy to lose medicaid once you have it, often through no fault of your own.

To explain, I first have to tell you how medicaid works. It's so bizarrely meted out that you may not even believe it.

I would like to say Medicaid is stuck in 20th century technology. But the truth is, it's more like 19th century technology. In a world where I can pre-order the next best seller on Amazon with one click or tell my iphone (if I had one) to locate me by satellite and direct me whereever I want to go, medicaid is traveling by horse and buggy while the rest of us zoom by on hoverboards.

If you're on medicaid, every month, the state sends you a slip of paper.

That's it.

If you don't get that slip of paper and you have a doctor's appointment on the first of the month, you're screwed. 

Medicaid slip

Our wonderfully efficient system for delivering health care to the poor.

There are no identification or insurance cards. Nothing you can swipe. Just a slip of paper, easily ruined by a child knocking over a glass of Purplesaurus Rex kool-aid at the dinner table.

In 2006, there were 1.8 million Illinois residents on medicaid. And we're wasting 44 cents a pop per month on every one, when the efficacy and administration of a card system is technology that could have been had 20 years ago.

If you have used the postal service lately, you can imagine the inefficiency and potential problems this could cause. And if you can imagine how efficient the rest of a service must be if they distribute essential health benefits monthly through the postal service, you'll have an idea of how Liz almost lost her medicaid benefits.

In April, Liz and Nathan moved less than a mile from Ravenswood to Andersonville. They needed a bigger apartment for the baby coming. 

In this move, they crossed a boundary which made them change medicaid offices. They went from using the Wicker Park office to using the Uptown office.

All of this is fine and good, until it was the end of the month, and Liz hadn't received her medicaid mailing. 

She called. And called again. Where was it? she asked. She had filled out a change of address card, so it should have come to her new apartment.

Well, when she changed offices, she had to be assigned a new caseworker. And she hadn't been assigned a caseworker because she hadn't been put in the system by the new Uptown office. And there was no one to process her change of address forms because she hadn't been assigned a caseworker.

If she had not called before the first of the month, she would have lost her medicaid benefits. Completely. She would have had to start over at square one - giant stack of paperwork be damned.

Medicaid papers

Just a small selection of Liz's medicaid paperwork.

Now a lot of people have said to me, "Well, it's the government. You can't expect it to be efficient."

Passports. Drivers license. Parking tickets. Incorporation papers. Lawsuits. Professional Licenses. License plates. Public school registration. Laws and regulations.

These are all things managed by the government. And all things that aren't terribly inefficient. When I moved to Illinois, it took me about 45 minutes to get a drivers license. My parking ticket hearing at the city took about a half an hour. I can look up lawsuits filed in the Circuit Court of Cook County.

Are these systems perfect? No. There is no end to DMV stories. And don't get this journalist started about what the city and the state could make available online for the public.

But in general, they all seem to operate without throwing people out of the system randomly and perilously.

Shouldn't we expect the same in the medical care we provide to the least of these?

However, unlike the nutritional value of WIC or the insanity of TANF (coming tomorrow), Liz gets good medical care. That's why I get pissed when I hear buffoons whining on All Things Considered. If you like your expensive private insurance, keep it. 

Let the rest of us clamour for our monthly government medical stubs. 

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11 Comments

SoWhatsTheAnswer said:

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So what Town Hall did Liz go to, and did she sit on her ass if it was her first location, or shout out if at the second one?

And does Medicaid give good healthcare even when she doesn't get her letter, or is it only good when and if she does? How are the millions of citizens without healthcare going to get any when the providers won't increase in number, with or without a letter, card or other proof of insurance? Can she still go to the same doctor or does she have to find a new one; and in doing so did she come across many accepting Medicaid?

Megan Cottrell said:

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So, I don't totally get what you're asking in your first question, so maybe rephrase?
She only gets healthcare if she gets her letter. That's how it works. She was able to go to the same doctors, and she has found many that accept medicaid. Actually, she's felt like she's gotten really great care under medicaid, and only one time where someone treated her rudely.
But, having insurance won't solve the problem the U.S. has with a lack of family physicians. It's going to take a lot more work to get health care for everyone.

lizjoyntsandberg said:

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I also am confused by the first question - perhaps this is an answer to what you're asking, as I assume you're trying to figure out if I've been voicing my opinion on the healthcare debate: yes. I've not been to a town hall yet however - mainly because I'm not interested in a setting of hostility right now - I get enough of that (perhaps you've heard.....). I, like Megan, am frustrated by the way many people with private insurance seem to think that creating a system where everyone has access (i.e. not only those who can afford it get care) will by necessity create a system where people will begin to suffer. Newsflash - people are already suffering - just a different population, and one that we don't tend to value much. A change is definitely needed so let's get to work! Let's look to scandinavia as a potential source of hope that it can be done - I'm with Sarah on that one.

I think it's interesting that you asked if I can continue to see the "same doctor" or did I have to find a new one. I've been living without insurance for the past 2 years - I've not seen a regular doctor (as in, consistent healthcare provider) in that time, as is the case with many uninsured folks. I've been receiving medical care when absolutely necessary (i.e. injuries and things like that) though a combination of free clinics, including planned parenthood through Illinois' Pink Card program. Since getting on medicaid (or "the medical card" as we cool kids call it - I was totally confused by that lingo at first.......) I've gotten the best healthcare EVER. Keep in mind, I grew up as the daughter of a Michigan public school teacher, so my healthcare coverage growing up was pretty great - but it pales in comparison to my experience with Medicaid. I've had my pick of highly rated doctors here in Chicago who are quick to assure me that my being on medicaid will in no way hinder the level of care I'd receive. I've been (shout out!) getting all of my prenatal care from the nurse midwifery group at Swedish Covenant Hospital and they have been incredible - words fail to describe the amazing-ness of their care. After the baby is born, I chose a family practice D.O. though Swedish (I had such a great experience I wanted to stick with the same system). Other than the administrative craziness, medicaid has been really amazing - it's made me a believer in government-run healthcare (as has medicare for many folks). Now if we could just maybe call it something else........

L Morken said:

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Megan - this series is really eye-opening. Thanks. And thanks to Liz for agreeing to make public her journey through the system.

Scam said:

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Of course you love it, IT'S FREE! For you at least...

Megan Cottrell said:

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Scam, why is it that you think you're the only person in the world who pays taxes? Lots of people pay taxes. Nate and Liz have both worked for many years and have paid into the system. Plus, once they are both working again, they will continue to pay taxes. Government sponsored anything isn't really free for anyone.

Scam said:

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Oh what a bunch of BS. Nate and Liz won't come close to paying the amount of taxes that a wealthy individual pays. And guess who is getting all the money back from the government? Nate and Liz. The wealthy individuals will never see any of that money. Your friends are receiving way more money than they are putting in. And somehow we should be convinced that not only is this fair, but morally right. You're right in saying that government sponsored anything isn't really free for anyone. The government pisses away billions of dollars in order to make a few people happy. Government sponsored programs are the biggest waste of money ever. I might actually be for some of these programs that supposedly help poor people if they actually did their job. They don't tho. The sad truth is that welfare, minimum wage laws, public housing, and any other messed up program you can think of actually hurt the poor more than they help. The problem is that people don't know how they are being hurt by them. There is no face to put on TV of the guy who was never hired because minimum wage laws prevented a small business from expanding. Look objectively at these things and take an economics class. Maybe then you will understand that more government is never better, and never has been better. Just imagine how our founding fathers would feel if they saw how much power the federal government has acquired over the last 70 years.

lizjoyntsandberg said:

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yeah, scam, not free for me - I've been paying taxes for years. Lots of 'em.

Scam said:

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You don't know what "lots of taxes" are. When you're sending 50K off to the government every month you let me know, and then we'll talk.

TheMinorProphet said:

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Not free for me, either, and I don't even get the benefit of using it. I live overseas now, working in the UAE. Still have to pay taxes because I don't work over here long enough out of the year. So, Liz, and everyone else on the system, I hope you enjoy it. :) When I'm back, who knows, maybe I'll have to use the system too.

My ex-wife and I were on Medicare for a while, and we found it to be a great thing. But free? Hardly. If it was supposed to be "free," then I--and everyone else that pays taxes in the US--should be getting a lot of money back.

Not saying it's "good" or "bad," but my friends here from Australia or the UK, who have a similar system (pay taxes, and go on "the dole" when you're unemployed) (btw, they pay MUCH higher taxes), find the system of public aid a given. Granted, it's set up a whole lot different than ours, but if they're unemployed, for instance, and need a welfare assistance, many don't have a problem with it, because they know they've put in their share of the cost. Not that it's due to them, but that it's there if they need it, like a savings account. Again, not saying this is good or bad, but it's been my experience over here talking to some of them.

Megan, could you speak more at all about how spouses work in this system? That is, is Nathan covered under Liz's plan, or does he have to get his own plan? And how does it benefit/not benefit mothers, single mothers, married mothers, etc?

Keep up the good work, ladies.

lizjoyntsandberg said:

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Yo Minor Prophet! Nathan is not covered under my medicaid as of right now, but once the baby is born, he will be added and the medicaid will cover our "family". He is currently not considered as a parent (and since he is a full-time student, he's not eligible for medicaid because he can get insurance at a discounted cost though school). At the time I applied for medicaid, we were also both working, but without insurance offered through either of our jobs, so when I became pregnant, I qualified whereas I did not before. When I lost my job we qualified for other benefits like WIC and food assistance. I don't know how it works for single mothers - it didn't seem to make a difference whether I was married or not when we were filling out all of the paper work - other than to confirm that I could not get affordable coverage through my spouse.

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