Tennessee to redefine TennCare-serious eliminations & reductions

Discussion in 'Homesteading Questions' started by Snowdancer, Aug 3, 2005.

  1. Snowdancer

    Snowdancer Well-Known Member

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    I know there's a number of folks on here who may be affected by these new cuts and what can still happen.
    I have private insurance but thought I'd post this link as a start point for those who will be affected-time to do some research if you're one of those who may be without health care. Check into the Govenors power to eliminate over 300,000 enrollees and he still has the power to reduce/eliminate benefits for the rest!

    http://www.familiesusa.org/site/DocServer/TennCare_Govs_Plan.pdf?docID=8244
     
  2. mightybooboo

    mightybooboo Well-Known Member

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    The goose that laid the golden egg is long gone.I expect we will continue to see cuts.

    My politics on this? Remember every time you buy Products from overseas made at slave labor third world prices,its your nieghbor you are putting out of work.This is the result of that.No jobs,no income,no tax base,a lowered standard of American living.Cant support all we want with 7 dollar/hr. jobs.BTW,what would that 400 billion spent on Iraq do for Americans in AMERICA? :grump:

    Really simple.

    Go China Mart.

    IMHO,YMMV and most likely does.

    BooBoo
     

  3. Jolly

    Jolly Well-Known Member

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    Yep, knew this was coming ever since Tenncare hired Jim Brexler. They are in the red big time, and something has to be done to stem the flow.

    Modern medicine, and the technology to practice it, has gotten hideously expensive in America - more than anywhere else on the face of the earth. If I was gonna point fingers, I'd start with ambulance chasing lawyers, greedy doctors, and patients who run to the doc everytime they have a hangnail.

    There is plenty of fault to go 'round...
     
  4. MsPacMan

    MsPacMan Well-Known Member

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    The problems with TennCare are so numerous that they cannot all be considered in a single internet post.


    But in short, TennCare is BANKRUPTING the state of Tennessee. It is TOO EXPENSIVE for the state to continue in its current form.


    It is stealing money away from every other equally worthy state service and constituency group, both directly and indirectly (by indirectly, I mean that the state is not sending money back to the counties, and so counties are having to drastically cut services at the local level).


    Part of the problem is that it promised too much to too many people.


    Did you know that TennCare coverage is better than most private employers in the state of Tennessee offer their employees?


    This means that you have tens or even hundreds of thousands of folks, many able bodied adults who choose not to hold down a job, who are provided a better medical insurance policy than those of their neighbors who work full time for a living.


    When the media covers the TennCare protest in Nashville, they always focus their cameras on the person in a wheelchair -- a deliberate attempt to provoke sympathy for the protesters.


    But many of them in the Governor's office protesting are not disabled at all -- just people who do not work for a living, and as a result, have plenty of time on their hands to sit around Bredesen's office and demand retention of their current handouts.


    As for those who are disabled -- what the media forgets to tell you is that most of them are eligible for the federally subsidized Medicare program. One becomes eligible for Medicare automatically after two years on the Social Security Disability program. And as far as those that are on the Supplemental Security Income (SSI) part of the Social Security disability program -- they are NOT in danger of loosing any TennCare coverage at all under Bredesen's current plan (that's correct -- check it out and you will find out that this is correct). People who fall under the normal "Medicaid" program guidelines -- those who collect welfare in the form of TANF or SSI -- are NOT going to loose anything under Bredesen's reduction plan. Neither will any TennCare recipient under the age of 18, regardless of their health.


    So most of them would not be without medical insurance anyway -- they would just have to settle for the less than extremely generous package that TennCare currently offers them. In other words, they would have to settle for the level of coverage that most of the rest of the nation's elderly and disabled currently have.


    Right now, ONE OUT OF EVERY FOUR TENNESSEANS ARE COVERED BY TENN CARE! That's right, until Bredesen's cuts take effect, 25% of all Tennesseeans are on this very luxurious TennCare program.


    No wonder TENN CARE IS BANKRUPTING THE STATE OF TENNESSEE!


    It is unfortunate that all of us -- including the large number of us who hold down a full time job and have to settle for the lesser quality medical insurance packages that our employers offer us in exchange for our work -- cannot have everything we want or need.


    But that's the way it is.


    I cannot afford to pay ever increasing taxes on top of everything else that is going up, just so that the privileged 25% of Tennesseans -- many who do not work for a living like I do -- can get Cadillac medical insurance benefits while I pay through the ears for my Volkswagon benefits.
     
  5. Snowdancer

    Snowdancer Well-Known Member

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    MsPacMan, I agree, from what I have read my private,quite expensive insurance doesn't cover half the things TennCare does. And our portion is $378 month!
    $100 deductible for office visits and $5000 out of pocket for any hospital stay 70% thereafter-emergency or elective.
    Plus the best part is it doesn't cover any pre-existing conditions-a little fact we weren't told at the time we signed up(yes we asked and were told of course we'd be covered). So since I have had a number of life threatening conditions in my past I have to wait for 18 mos before anything that could be assigned to those conditions is covered!

    I'm half tempted to just say to h*ll with insurance but I'm too responsible to just chuck it when I consider I might fall and break something-it's about the only thing that would be covered! :grump: I haven't been to a doctor/hospital since 1997 so I sure haven't used any of those services but with my luck two days after it's cancelled something catastrophic would happen! :p
     
  6. mightybooboo

    mightybooboo Well-Known Member

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    LOL,bought a VW lately?They arent cheap! More like Kia nowadays. :rolleyes:

    As for the posters,very good replies
     
  7. mightybooboo

    mightybooboo Well-Known Member

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    Yikes KyGuest,that isnt very good insurance at all!

    I'm getting 5 dollar prescription co pays and 10 dollar Dr visits.Eye surgery and meds from clinic,I spent 40 bucks TOTAL. Best insurance I've ever had,but it's going to change. Such benefits arent sustainable,I just cant see how they can be.

    BooBoo
     
  8. AngieM2

    AngieM2 Big Front Porch advocate

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    I have two cousins in TN.

    One was working at the company I work for, but quit a few years ago to work with hubby in their own business.... she is one that is having it pulled and sent us the big e-mail about who to contact to say how terrible.

    Hubby says she is uninsurable and cannot get medicaid/care (whichever).
    But she can go to coin shows with him, etc. I have no idea what her medical problems may be. But they just sold a fairly expensive house and renting another - so they have some money. Much more than I do... but I'm working and have company insurance.

    Other cousin/1st sister- has had lots of back problems and may be truely disabled - I know she having more problems with her back as time goes along.
    And I think she is having hers suspended or something.
    But she is married and hubby has insurance.

    So I've never understood how they can have more material things, especially the first one with more $$$, and still get Tncare to begin with.

    Mixed thoughts here.

    Angie
     
  9. gardentalk

    gardentalk Well-Known Member

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    There are obviously some smart cookies in this thread, many are far more up on finances than I am. Still, I wonder why no one else in this thread has acknowledged that there really is no such thing as "money". The only reason that "money" exists, is to create classes of people (talking about materialism here). You only see that fact, though, if you look at things from an empirical point of view, and start at the top. If the United States really wanted to, it could provide free healthcare for all, wipe away those so-called "education loans" the doctors have, assign permanent values to every product/service in existance, assign spending points to persons depending on their profession and class, and everyone would be happy. You would then find out who really wanted to be a doctor, who wanted to be a farmer, and who wanted to be a teacher. You'd also find that many people only live for money, so they wouldn't be around too much longer. I guess my point is that this notion of "money" and the power that goes with it, is what is causing all the problems in the world, and without it you would find few folks who really want to do anything that is of true worth to society. :D
     
  10. mightybooboo

    mightybooboo Well-Known Member

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    Have to agree Angie,looks like a program out of control,if they are paying for people in their economic class.

    BooBoo
     
  11. MsPacMan

    MsPacMan Well-Known Member

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    We pay $511 per month for family coverage, with a $500 deductible and $25 dollar copay. Because our doctor also takes Blue Cross /Blue Shield Tennessee (state of Tennessee employee health care), he is FORCED to accept TennCare patients, even though he does not want them. He has told me that directly.


    The TennCare patients who sit in the waiting room with me get their visit with no copay whatsoever. They do not pay the $511 per month, and they do not have to deal with the deductible.


    Then when they get back to the treatment room, their insurance allows them treatment options that my coverage refuses me.


    And to make matters worse, get this number:


    I have high blood pressure, so I am prescribed a prescription med plus my doc tells me to take a low dosage aspirin once a day.


    A week ago, he wrote me a new paper prescription for three months worth of my prescription med -- and he wrote on the same piece of paper "83 milligrams of aspirin."


    Well, I walk up to the WalMart pharmacist and say to her "My doctor has accidentially written aspirin on the prescription, but I realize I have to get that out here (meaning in the non-prescription area of the pharmacy, and without insurance subsidy).


    To which she answers "Well, he probably did that because so many people he treats are on TennCare, AND TENN CARE DOES PAY FOR ASPIRIN IF IT IS PRESCRIBED BY A DOCTOR." !!!!!!!!!!!


    I'm paying taxes through the ears to pay for THEIR TennCare coverage (while so many of them do not work), then I'm paying insurance premiums through the ears for my coverage, and THEY get free aspirin instead of ME?


    Excuse me, if I don't cry for all these able bodied folks who are about to loose TennCare coverage!


    (And like I pointed out in the other thread, most of those loosing their coverage are able bodied adults, since federal regs will not allow Governor Bredesen to cut the SSI or TANF recipients from the TennCare rolls, those on SSDI are still covered by Medicare, and no children under the age of 18 will be cut.)


    A big part of the problem is that the media is boosting their news programs viewership bigtime everytime they show a person in a wheelchair protesting in Bredesen's offfice. This, in turn, means higher advertising revenues for the local TV stations. So they sensationalize the story (in other words, distort the truth) for ratings.


    If the media would tell its viewership how much the program is bankrupting the state, or focus some of its airtime on the many other services that have had to be cut to pay for TennCare (for example, K - 12 school funds), then maybe people would understand more what Bredesen is doing and why he must do it.
     
  12. Snowdancer

    Snowdancer Well-Known Member

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    Angie, I see it here in Memphis too! Where I'm living right now the rent is $619/mo. It's a nice place with a lot of trees and greenspace;probably the only reason I am handling city life temporarily. ;)

    But the next building over has 3 families who are all raising cain about losing their TennCare-all three families have 2 or 3 children and the kids are fine-outside playing, running,swimming, jumping & doing everything normal, healthy kids do morning to night. The parents all have jobs-one at Fed Ex and the others are working in offices downtown. They all have newer vehicles(2000 & newer) while I'm still driving my 1990 Chevy Lumina!
    So what I'm getting at is none of them are disabled or unemployed but all three families are on TennCare! :shrug: They also get subsidized day care during the school year-after school care actually.
    How does that work, who makes the determination that healthy families who are employed and living in reasonably upscale housing are eligible for Govt assistance? I don't get it but then most things the Government does I don't understand! ;)
     
  13. mightybooboo

    mightybooboo Well-Known Member

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    To quote Mrs. Boo,WOWWW!!!

    BooBoo
     
  14. FiddleKat

    FiddleKat Mother,Artist, Author Supporter

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    We are in the process of buying a home in TN and moving out of the state of MA. Massachusetts has MassHealth which is probably like TennCare.
    Our 7 yr old daughter recieves MassHealth, as well as myself and DH. When we move to TN I know very well the possibiltiy of DH and I not getting it. But our daughter who recieves SSI automatically is eligible for it. She is multi-handicapped, developmentally delayed, wheelchair bound, doesn't speak,suffers GERD (gastro esphogul reflux disorder) and also seizures. Fortunatly for us as she gets older the stronger she gets health wise and we have slowly been able to decrease the number of meds she is on.
    I can understand fully what all of you are saying, and it is certainly unfair. Last year we went to Social Security for a medical review and I can tell you that we have medical documents up the ying yang proving our daughter's disability.Anyway, while we were waiting for our case worker to photocopy stuff in the next booth an Asian woman was asking the SS rep why she couldn't have SS. His words exact, "mame, in order for you to recieve SS you must be in this country at least 30 days. You haven't been here 30 days yet." GEEZ! This is what really gets me P.O.
    We have as well a handicapped parking placard. She will be disabled for the rest of her life. My biggest concern is that she is at least covered because of her 7 specialists that follow up with her. Neuro, gastro, ortho and the surgeon about every 3 months.
    Hubby works as a school bus driver and the plan he could have got through work would have run about $700 a month. We had to laugh because that would leave us with nothing and I mean nothing afterwards to pay rent and utilities.
    One of our main reasons for moving to TN is because its one of the few places we can buy a house. As long as we live in MA we will never own a house of our own. the average 2 bed. to rent is $1200 a month.
    I think mightybooboo put it well. We keep buying from China, and heck the gov. keeps sending money over to Iraq. That is our hard earned money and they are giving it away. Whatever happend to the ole phrase,"charity starts at home?"
     
  15. MsPacMan

    MsPacMan Well-Known Member

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    FiddleKat,


    Your daughter will still be eligible for TennCare if you move to Tennessee, even with the governor's cuts.


    NO CHILDREN ARE BEING CUT FROM TENN CARE. None. Nada.


    Furthermore, no persons of any age who are found disabled by the federal government (in other words, no persons on either SSI or SSDI) will be cut off from some kind of coverage, although some SSDI only disabled adults will be eligible for Medicare only. All SSI persons of any age will keep TennCare.


    I would not want to live in a state that denied basic health coverage to a child like yours. (And believe me, TennCare does not offer basic coverage -- it offers super deluxe coverage.)


    But children such as yours are not what the current debate over TennCare are all about.


    It is about able bodied adults like the ones that Angie and KYGuest wrote about. They are the ones about to loose coverage.


    If they want medical coverage, they can come work at my company, and pay the same $511 a month that I pay for coverage!


    It was never a free lunch -- it is just that I have been forced to pay for their coverage as well as my own, only to see them get much better coverage for my money than I got.
     
  16. FiddleKat

    FiddleKat Mother,Artist, Author Supporter

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    That is what is wrong! When able bodied adults can work but are too lazy to do so! I can't work outside the home because of my daughters disability. But my hubby works. The other thing that outrages me is that in order for my daughter to receive SSI, not only does she have to be disabled but we also have to meet income guidelines. Last Christmas DH worked a few extra hours so that we had some money for presents and all of that and they ended up taking it out of her benefits. Its so hard to make ends meet! It really isn't fair to those like you who work very very hard yet are denied. When others sit on their duffs and do nothing. But it angers me that alot of foreigners come to this country and get benefits of all kinds.
    My biggest Pet Peeve is people who violate handicapped parking. ONe is the obvious because my daughter is wheelchair bound. But I appreciate that placard when I have to go places with her because it makes it easier. One day a lady parked in the striped yellow zone between two handicapped spaces and being who I am I said something to her. She got rude with me, and I told her the police will give her a $100 citation. She said $100 dollars was nothing to her, and she would pay that just to park there. I told her she didn't get it and was being selfish. She said $100 is nothing to her. She spoke broken English and she was driving a brand new car.
    We have a 99 Ford Conversion van and when we bought it it was $24,000. It replaced a 85 Pontiac Safari wagon with the front end gone. In fact I was driving it with an expired safety inspection. But I did because I had no choice. Our community at the time helped us raise the $24,000 to pay for the van because they knew we had no money! That made me feel wonderful knowing there was so many kind people who wanted to help us out and to this day I will never forget it. If anyone is in that same position I wouldn't think twice about helping them out either!
    Okay....Im sorry....I am rambling on now. But yes, I think we need to take a stand here and say, "lets help those who are willing to help themselves!"
     
  17. FiddleKat

    FiddleKat Mother,Artist, Author Supporter

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    I use to work as a clerk in a liquer store and I have to tell you I saw all kinds.
    One being the women who would come in, buy their beer and cigs then complain they didn't have enough money to buy milk for the kids. These are probably the same types who get the free healthcare.
    A month ago I was standing in the checkout at the grocery store and a man about in his mid to late twenties had a bunch of groceries. He was wearing painters clothes and he was covered in either paint or plaster and looked like he just got off work. Anyway, he started counting out the cash and obviously didnt' have enough and started handing food items back to the cashier. I felt really bad because I thought he must be a hard working man trying to feed his family yet didn't have enough money. I only wished I had extra cash myself that I could have spared to give him.
     
  18. Ken Scharabok

    Ken Scharabok In Remembrance

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    I am about 99% sure the cut off age for children is 21, not 18. Article in paper about it the other day. Rational for 21 is the 18-21 are a low-risk groups as they are still relatively healthy. While not stated in the article, I suspect the three years is also somewhat a transition period between high school and work experience.
     
  19. mightybooboo

    mightybooboo Well-Known Member

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    FiddleCat,
    You are exactly the person who should recieve help :clap: ,not able bodied adults who choose NOT to work :eek: .

    Thats the crime here.

    BooBoo
     
  20. Merrique

    Merrique Well-Known Member

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    I have to say that it is sad that these programs that were designed to be a hand-up, have become hand outs for able-bodied adults who just don't want to work. When I used to teach GED classes, I had several students who had to come to class to fullfill part of their requirements for their benefits. You had never heard such moaning and complaining as you did from these people, they couldn't believe they had to do this to get their welfare check! Yes, how dare they get paid to further their education, get free childcare, gas and even a vehicle, sheesh! Yet, beside these people I had one student who had had a severe back injury, he was unable to turn his head from side to side. Sitting upright in a chair caused him a great deal of pain, yet he would be in that classroom five days a week, studying for his GED. He was eligible for disability, but said he preferred to work and take care of his own family. He was a true inspiration to me.