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A Health Care Plan With No Protection for Children

People around the country are watching with empathy — and appreciation — as late-night television host Jimmy Kimmel continues to tell the emotional story of his infant son.

We have seen a parent helpless with fear that a newborn child could be lost. We have heard what can happen when a highly skilled team acts quickly to save a young life.

And we are grateful that during such a difficult period for his family, Jimmy Kimmel has taken the time to think about the health care other children in the United States receive. He first called for every child to have access to needed health care, and then, during an interview on his show, he asked Sen. Bill Cassidy (R-Louisiana): “Will the Senate make sure that the millions of children who count on Medicaid don’t lose access to medical care because this House bill would cut $880 billion?”

[See: How to Pick a Health Insurance Plan.]

From the perspective of pediatric medicine, that is the crucial question. Child health care has been a bipartisan concern for decades. Before the Affordable Care Act (or ” Obamacare“) was ever considered, millions of children received health care coverage through Medicaid.

In an effort to repeal and replace Obamacare, though, the U.S. House of Representatives has passed the American Health Care Act, which puts the health care benefits of 30 million children covered by Medicaid at risk. The Senate must vote on it before it can become law.

Sen. Cassidy has been willing to discuss concerns over protecting child health care. His answer to Jimmy Kimmel’s question, however, reflects the confusion that many people have about the way children are covered: “Most children are covered under the CHIP program, and they are going to get the coverage they need,” Sen Cassidy said. “That’s almost independent of Medicaid.”

He is incorrect. Medicaid insures more than 30 million children, making it the largest insurer of young people in the United States. The Children’s Health Insurance Program, or CHIP, covers an additional 6 million children. While Medicaid and CHIP are related, they provide benefits to different people. The danger of the AHCA is the effect it has on the 30 million children covered by Medicaid.

[See: What Your Doctors Wish You Knew.]

Medicaid allows those children to visit doctors and hospitals when they are sick. At least as important in this era of rising health care costs, it provides for children to receive screenings, vaccines and prevention-focused care that can keep them from becoming sick in the first place.

Obamacare had little effect on Medicaid coverage for children, so an effort to repeal and replace should, at the very least, leave children as well-covered as they were before.

The AHCA passed by the House does not. It goes beyond repeal to fundamentally change how Medicaid is funded. Medicaid funding rises and falls based on the prevalence of illnesses, or when medical science develops new treatments. The House bill would not allow that fluctuation and limits funding to states.

The Congressional Budget Office estimated that the AHCA would cut Medicaid spending 25 percent by 2026. The bill does not protect funding for children, so it’s predictable that it would lead to a reduction in children’s benefits as well.

In Ohio, where I live and work, 1.2 million children receive medical coverage through Medicaid. The Ohio Children’s Hospital Association estimates that in our state alone, there will be a $2 billion decrease in Medicaid funding for children by 2026.

In an effort to address concerns with the adult-focused Obamacare, the House of Representatives passed a bill potentially harming children. It is the same bill the Senate is now considering.

While Sen. Cassidy may misunderstand some parts of children’s health coverage, he has recognized the concerns Jimmy Kimmel has raised. Sen. Cassidy’s colleagues should have the same desire to understand all of the issues affecting children’s health care.

[See: How to Be a Good Patient Wingman.]

We send best wishes to the Kimmel family. We hope our legislative leaders will recognize that every child deserves access to quality medical care. Thanks to Jimmy Kimmel for letting everyone know how important that access can be.

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A Health Care Plan With No Protection for Children originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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