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Arizona should not help people with their medical bills!

by on Mar. 20, 2011, under Health

Arizona Governor Jan Brewer plans to cut out a program that comes to the rescue of people who have large medical bills they can’t pay – and I agree with her.

The Arizona Republican recently reported:

People in the so-called spend-down program typically earn too much to qualify for the Arizona Health Care Cost Containment System, the state’s Medicaid program, but have gone through some sort of catastrophic medical problem that left them with a large number of bills.

The program allows them to subtract medical expenses from their income, and they then qualify if that reduces their income to 40 percent of the federal poverty level. Medicaid does not require states to cover this population, but Arizona’s spend-down program has been in place since 2000, when voters approved expanded health coverage to everyone making up to 100 percent of the federal poverty level under Proposition 204. Before that, they were covered through a state-funded program for the “medically indigent.”

I recently met a self-employed man who had dropped his health insurance because the premiums got “too high”.  This man,  who has a house and a modest income, took the risky position of going without health insurance until, one day, he got very sick and ended up in the hospital. He could not pay his hospital and doctor bills, so the social worker from the hospital signed him up for AHCCCS (Arizona Health Care Cost Containment System – Arizona Medicaid).

Enrolled in AHCCCS (pronounced “access”), he got all his medical bills paid by the state until he turned 65 and enrolled in Medicare, which is a federal health insurance program. This coverage lasted for about two years, during which he could see doctors and be treated for his illness.

This man recently sent me an email in which he asked his friends to take action to stop that terrible Obamacare because it is such a terrible, socialist program that will ruin our country!

I emailed him back to inform him that he had benefited from the AHCCCS  program which is much more socialist than anything in Obamacare.  In his case, the state of Arizona became his health insurance plan (at the taxpayers’ expense). I informed him that under Obamacare everyone will have to buy health insurance, but they will be subsidized by the government based on their income. If we had had Obamacare when he got sick, the state would not have had to step in and support him 100%.

So, while I am generally a bleeding heart liberal, I don’t think the state should bail out people who get sick. Of course I don’t think people who get sick should be told to roll over and die. So the answer seems to be to get everyone covered by health insurance. And everyone needs to pay something into the system at whatever level they can afford.  We can’t have people who opt out of health insurance and then want help when they get sick. That’s what I think.

So what is the answer?  Well, it seems to be right in front of us….Obamacare!



  • cm

    Why do native americans get free healthcare while other americans get nothing???? Most Americans are unaware of the free services native americans get…while other americans are paying for these free services…………Even with the Arizona cuts, the native americans will continue to get totally free healthcare…..when will the Americans people address this discrimination against us? Even many native americans who are working and making good money refuse to buy healthcare through their job since they can just go to an indian healthcare facility and get it for free. Also, if the indian healthcare facility does not offer a specialty care, the patient is transported (at our expense)to another hospital for free specialty services……………No one ever wants to address this issue……it’s time the American people know and stop free services to one group while others pay for these services… 

    • leftfield

      I don’t know for sure, but it just may be that free clinics are a treaty obligation.  Perhaps they’d be willing to give it up if you are willing to give them back all their land.

  • leftfield

    …social worker from the hospital signed him up for AHCCCS (Arizona Health Care Cost Containment System – Arizona Medicaid).

    My experience in talking with people who have had to qualify for help under AHCCCS is that it is far from a ‘free ride’ that anyone who cannot afford health insurance or decides not to carry medical insurance can obtain for the asking.  In every case that I am personally familiar with, if you have any assets at all, those must be liquidated until you are essentially impoverished before you can expect to qualify. 

    People should not be punished or impoverished because they got sick.  A relative of mine, in contrast to your story, has worked all her life since the age of 14 at low wage jobs without benefits.  Now that she has a seizure disorder that precludes her driving and has resulted in her being fired from three jobs because she had seizures at work, the government has decided that she does not qualify for SS disability, that she should be out working.  I suggested she ask the SS folks if they thought it would be OK if she got a job as a bus driver, taking their kids to school.  I admit, the SS dept. is not the same as AHCCCS, but I wish to point out how the system treats people who are no longer able to feed the machine.   

    Universal health care for everyone.  Health care of the same quality regardless of ability to pay.  No insurance companies and no profit to be made off the misery of others.

    • Fred

      I have been without health insurance for a little over a year,  unemployed for the same, received several quotes for individual plans for my wife upwards of 700 dollars a month (plus) for crap coverage? whats wrong with this scenario? a  lot!
      Came from a 6 figure income over the past 12 years in international trade, one of the hardest hit industries in nation.  Paid for 6 of my own firms employee’s coverage which was also crap about 3200 a month? 38K a year!!?? 

      All while Dr’s are pocketing kickbacks of 30K per year ,per drug company to write scripts for meds that are literally killing America, pull  head out of a__ people for a moment and wake up and smell the roses America is really really really messed up, borrowing 3 billion per day! and 35 million unemployed! without health care!

      Yeah lets lets stop AHCCCS that’s really going to help everybody, I would rather die than put cash into the Rotten fellers AMA medical scam machine, and that’s a fact.

      Really disappointed and frustrated American BORN CITIZEN.

      • medicareblogger

        I have previously written that “I hate individual health insurance”, and this is because I have met too many people who could not afford the high premiums, or were denied coverage due to pre-existing conditions.  And many of these people worked all their lives and played by all the rules, but ran into some bad luck with jobs and their health.  These people need help rather than requiring that they spend their life savings and retirement savings to cover catastrophic medical bills.  That’s why everyone should have health insurance.  The state of Arizona can’t afford to help these people with their catastrophic medical bills, so we need to change the system.

  • randellpope

     
    Yeap. In fact, did you know that Currently, many insurance companies do not allow adult children to remain on their parents’ plan once they reach 19. Companies cannot do that any more. Search onilne for “Wise Medical Insurance”   and you can insure your kids if you are in the same boat.

    • wharrgarbl

      Be aware that similar sock-puppet shills for “Wise Medical Insurance” are currently flooding medical and insurance-related forums all across the net.  Google it yourself- you’ll see a flood of similar messages with different, fraudulent names.   Would a reputable company advertise using such sleazy methods?  DON’T DO BUSINESS WITH SPAMMERS!

  • Sonora

    There’s many things wrong with this article. For one, the most glaring is people can not get AHCCCS if they have any assets. I believe the limit even for a car is $2000. They have to be very poor, less than $10000 a year income a year per person. They can not get AHCCCS if they are illegal immigrant.
    To the person above – “leftfield” – keep pressing for the SSI for your friend. Everyone gets denied, everyone. Sometimes more than twice. People often must go to court to prove they are disabled. I wish you luck.

    • medicareblogger

      The AHCCCS program in question subtracts medical bills from a person’s income, which allowed this man to qualify for AHCCCS.  That’s what the Arizona Republic article said (and is what I have heard of the program).  This program is one part of the AHCCCS program, but not the one you generally think of as covering the poorest people in the state.

      I have dealt with many people who are on “full AHCCCS” and I’m pretty sure they can own a house and a car.  I think the limit on bank accounts is $2,000.  This $2,000 bank account limit is probably the same requirement for the person with catastrophic medical bills, as AHCCCS would require him to use his cash to pay as much of his medical bills as possible.

    • medicareblogger

      I participated today in a  conference call with the Director of the Phoenix Agency on Aging who provided an overview of the AHCCCS program. She talked about the differences between the Arizona Long Term Care System (ALTCS) and Acute Care Services, which is the health insurance program for low income Arizonans.

      ALTCS has an asset limit of $2,000, but a house and car are not counted. For everyone else applying to AHCCCS, the state of Arizona does not consider assets. The speaker said in response to a question about assets, “A person  could drive a Bentley and be on AHCCCS. In fact, they could have two Bentleys”.  This is because Arizona, unlike every other state, only asks people about their income.

      The speaker also said that if a person has a large amount of money in the bank, this is not counted by AHCCCS.  The money in the bank is only counted if it provides a steady stream of income. So annuity payments, alimony, dividends, and other steady payments are considered income.  But money sitting in a bank account is not counted.

  • tammie

    Currently I do not have healthcare insurance. All though I do pay my bills because I have two jobs’ that allows me do so. BUT….. I have a tumor in my brain that cannot be taken care of because I do not have insurance. THIS I cannot take care of. SO I MUST rely on the cancer society and grants to help me with my treatment. The government should help those of us that are not here to abuse the system and pay our way. If we don’t have 10 kids and are working and are in school and doing what we need to do to live our lives. That is what it is here for. Right????

  • medicareblogger

    You have two jobs and no health insurance? That is something the Affordable Care Act (Obamacare) will change.  Jobs will come with health insurance, or you will get individual health insurance through your state’s insurance exchange  – and you will be subsidized by the government to pay for your health insurance.
    We are all just one health care crisis away from losing everything we’ve worked for all our lives.  I’m sorry for your situation and wish you the best of luck in beating your cancer.