Insurance en Life, Death, and Stable Markets – Reauthorize CHIP and Fund Cost-Sharing Reduction Payments <span>Life, Death, and Stable Markets – Reauthorize CHIP and Fund Cost-Sharing Reduction Payments</span> <span><span lang="" about="/users/jcheang" typeof="schema:Person" property="schema:name" datatype="">JCheang</span></span> <span>Thu, 10/19/2017 - 11:39</span> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__item"><p><em>By Caren Howard, MHA National Advocacy Manager and Nathaniel Counts, JD, MHA National Senior Policy Director</em></p> <p><img alt="" src="/sites/default/files/CHIP%20pregnant.jpg" style="width:100%;"></p> <p>By October 1, the House and Senate Health Committees had passed bills reauthorizing Children’s Health Insurance Program (CHIP), the primary health insurance for pregnant women and children whose income disqualifies them from Medicaid insurance. But, neither chamber acted to vote on the bills before the expiration of CHIP at the end of September.</p> <p>Unfortunately, by the second week in October, the Administration announced it would end Cost Sharing Reduction (CSR) payments, payments that were offered to health insurers as part of the Affordable Care Act to stabilize premiums for Americans in the individual market.</p> <p><strong>This week, Mental Health America urged Congress to act quickly to reauthorize CHIP and to fund CSRs. </strong></p> <p>Millions of Americans are impacted by mental health conditions nationwide and Congress must not let people’s coverage get stripped away.</p> <p><a href="" target="_blank">U.S. Governors</a> indicated their state budgets are not equipped to handle a funding lapse for children and they would be forced to deny coverage and services, and eventually completely shut down their children’s health programs. Care for nine million children and pregnant women in low-income households is slipping away by the day, and we will lose opportunities to bend the trajectories of lives.</p> <p>In its August 2017 report, <a href="" target="_blank">the Congressional Budget Office (CBO) estimated</a> that non-payment of CSRs would begin the destabilization of the insurance markets, ending in an increase in costs for consumers and an increase the federal deficit by $194 billion.</p> <p>These changes put mental health and children’s programs at risk at a time when rates of suicide and overdose are increasing. People will to lose access to the services they need to work, parent, and participate in their communities.</p> <p>These disruptions will precipitate more severe mental health and financial crises - with possible repercussions for years to come.</p> <p>We need Congress to reauthorize CHIP at the current eligibility for at least five years, and fully fund the CSRs.</p> <h2>How can I help?</h2> <h3><strong>If you have one minute, take one action, and if you have five minutes, take them all:</strong></h3> <ul> <li><strong><a href="" target="_blank">Tweet</a>&nbsp;</strong>at your elected officials! Copy and paste the following and make sure you tweet at your correct legislator:<br><br /> "@[Senator] As your constituent, I demand that you quickly reauthorize CHIP and fund CSRs. #ActB4Stage4 for #mentalhealth."</li> <li><a href="" target="_blank"><strong>Call</strong></a>&nbsp;your Senators' office or the Capitol Hill switchboard at (202) 224-3121. Press #2. Then enter your zip code.</li> <li><a href="" target="_blank"><strong>Write</strong></a> to your Senator using <a href="" target="_blank">Facebook's Town Hall feature</a>. If this feature is available in your area, make sure your Constituent Badge is on. Many legislators will not read the comments of individuals who are not marked as one of their constituents.</li> <li><a href="" target="_blank"><strong>Meet</strong></a> with your elected officials. Let them know that mental health in important to you, and that you are not just a number.</li> </ul> <h3>Not sure what to say? Here's a script for you to use:</h3> <p>"As a constituent, I demand the Senator act quickly to reauthorize CHIP and fund CSRs. At a time when rate of suicide and overdose are increasing, people will lose access to the services they need. These disruptions will increase severe mental health and financial crises - with possible repercussions for years to come."</p> <h3>Download shareable images to spread the word. Let your voice be heard and your message be seen clearly.</h3> <p><a href="/sites/default/files/" target="_blank">Click here to download</a>.</p> <p style="text-align: center;"><a href="/sites/default/files/Simple%20Shareable%20CTA_0.png"><img alt="" src="/sites/default/files/Simple%20Shareable%20CTA.png" style="width: 300px; height: 300px;"></a>&nbsp;&nbsp;<a href="/sites/default/files/Phone%20Call%20to%20Action_2.png"><img alt="" src="/sites/default/files/Phone%20Call%20to%20Action_1.png" style="width: 300px; height: 300px;"></a></p> <p style="text-align: center;"><a href="/sites/default/files/Twitter%20Script%20Call%20to%20Action_2.png"><img alt="" src="/sites/default/files/Twitter%20Script%20Call%20to%20Action_1.png" style="width: 600px; height: 300px;"></a></p> <p><strong>Let your elected officials know where you stand with mental health in mind.</strong></p> <hr> <p><em>**Note, the Administration eliminated funding for reaching out to help people buy insurance. <strong>If you or anyone you know needs health insurance, they may shop the <a href="" target="_blank">Marketplace</a> now. Enrollment <span style="color:#ff0000;">begins on November 1 and ends December 15.</span></strong></em></p> </div> <div class="field field--name-field-tags field--type-entity-reference field--label-inline"> <div class="field__label">Tags</div> <div class="field__items"> <div class="field__item"><a href="/tags/maternal-mental-health" hreflang="en">maternal mental health</a></div> <div class="field__item"><a href="/tags/youth-mental-health" hreflang="en">youth mental health</a></div> <div class="field__item"><a href="/tags/insurance" hreflang="en">Insurance</a></div> <div class="field__item"><a href="/tags/insurance-coverage" hreflang="en">insurance coverage</a></div> </div> </div> <section> <h2>Add new comment</h2> <drupal-render-placeholder callback="comment.lazy_builders:renderForm" arguments="0=node&amp;1=1599&amp;2=comment_node_blog_post&amp;3=comment_node_blog_post" token="5wt20WwDD-4o7Pn4mcc2Erh0Lonb2cPgMIoHxjGgpkQ"></drupal-render-placeholder> </section> Thu, 19 Oct 2017 15:39:25 +0000 JCheang 1599 at The Affordable Care Act (ACA) went a long way... <span>The Affordable Care Act (ACA) went a long way...</span> <span><span lang="" about="/users/choward" typeof="schema:Person" property="schema:name" datatype="">CHoward</span></span> <span>Wed, 01/18/2017 - 09:50</span> <div class="field field--name-body field--type-text-with-summary field--label-hidden field__item"><p><em>By: Debbie Plotnick, MHA Vice President of Mental Health and Systems Advocacy</em></p> <p>Why am I and why should you be concerned about the prospect of rolling back or eliminating healthcare reforms? If you or a family member has mental health needs, it’s important for you to understand how this could impact you and your loved ones. Let me tell you why, from my personal and professional viewpoint.</p> <p>People who know me or have heard me speak publicly know my signature story: “Every gray hair says Ashley. And Ashley tells me that I should thank her for two things: my distinctive silver mane, and the direction of my policy and advocacy career. And I do.” Please allow me to tell you why.</p> <p>My grown, beautiful daughter is a nurse, studying to be a nurse practitioner. She is married and about to make me a grandmother. But things weren’t always so rosy for Ashley. Between the ages of 14 and 18--a very common age-range when many mental health concerns arise--my daughter was deeply depressed, often suicidal, and was hospitalized several times. By age 16, she had reached our family’s employer-sponsored health insurance lifetime limit for mental health coverage. You may already know that there is a happy outcome, but it almost bankrupted my family to get there. And it really was the catalyst that propelled my professional career into mental health policy and advocacy.</p> <p>During the years when I managed advocacy and direct service programs at one of MHA’s largest affiliates, Mental Health Association of Southeastern Pennsylvania -working to help people access a full array of community mental health programs -one of the most ardent wishes that my colleagues and I shared was the dream that the people we served could also have access to healthcare treatment for the other multiple, chronic, cooccurring conditions they almost always had.&nbsp;</p> <p>With passage of the 2008 Mental Health and Addiction Equity Act (MHAEA), some families dealing with mental health needs did see some relief from unequal mental health coverage and exclusions. But the provisions of this law only applied to employer-sponsored insurance plans provided by companies that employed more than fifty people, and which were not self-insured plans. Even for the limited number of plans where parity was required under this law, the employer could still elect to not cover mental health at all. Most employer-sponsored plans were still not covering mental health on par with other health needs. And Medicaid, which is the largest payer for mental health services and community supports, in almost all circumstances, required people to be declared disabled before they were eligible for coverage. So, most people could not access mental health services. More - much more - needed to be done.&nbsp;</p> <p>In 2010 with the passage of the ACA, we saw progress. While it wasn’t perfect, and the Supreme Court made its state Medicaid expansion provisions optional - for people with mental health conditions, their families, and for me and my fellow advocates - the ACA went a long way in making our healthcare advocacy dream come true.</p> <p>Health care reform made mental health and substance use treatment an “Essential Health Benefit.” This means that all insurance plans must provide coverage, without lifetime limits. And they do so <strong><em>at parity</em></strong>—meaning they couldn’t have higher copays or more limitations for mental health and substance use services than they did for other health conditions.&nbsp; It meant that people who’d been treated for mental health or other health conditions were no longer unable to buy insurance because they had “pre-existing conditions.” It meant, in all but a handful of states, people with low-incomes could access Medicaid who were not disabled, or not parents of young children. And it meant that young people at the vulnerable time when major mental health conditions often hit, they could stay on their parents’ insurance until they were 26.</p> <p>This is why we should ALL care about threats to the ACA. We need to protect health care reform, and the strides our community has made to address mental health parity.</p> <p>If someone in your family, or the people you work with or for, have benefited from these ACA reforms, please join me in telling your members of Congress. Call, write, email. Use social media platforms like Facebook or Twitter to tell them your story. Tell them how these provisions have helped you and your family, and tell them why rescinding these provisions would hurt people in their district, in their state. Do it today.</p> <p>If my story has moved you to take action, please contact your Member of Congress and Senators to tell them your story. Click here to look up your <a href=""><u>U.S. House </u></a>and <a href=""><u>Senate</u> </a>officials.&nbsp;</p> </div> <div class="field field--name-field-tags field--type-entity-reference field--label-inline"> <div class="field__label">Tags</div> <div class="field__items"> <div class="field__item"><a href="/tags/obamacare" hreflang="en">Obamacare</a></div> <div class="field__item"><a href="/tags/repeal" hreflang="en">Repeal</a></div> <div class="field__item"><a href="/tags/insurance" hreflang="en">Insurance</a></div> <div class="field__item"><a href="/tags/parity" hreflang="en">Parity</a></div> </div> </div> <section> <h2>Add new comment</h2> <drupal-render-placeholder callback="comment.lazy_builders:renderForm" arguments="0=node&amp;1=1391&amp;2=comment_node_blog_post&amp;3=comment_node_blog_post" token="b-q6a731nUGIPtQ9NlB97edatH_eSyDve_ZshhshNx0"></drupal-render-placeholder> </section> Wed, 18 Jan 2017 14:50:53 +0000 CHoward 1391 at