Obamacare Walks Among Us

Annex - Karloff, Boris (Frankenstein)_01

Last November, I applied for Obamacare using the Covered California website. I was told that I qualified for Medicaid under the new rules of the Affordable Care Act (ACA). Medicaid is a federal program. However, in keeping with our nation’s passion for inefficiency, it is administered through the states. In California, it’s called Medi-Cal. Every time I call the Los Angeles County Department of Social Services about my application, they tell me that my Medi-Cal is “pending”. They say this is because they are still waiting for instructions from the federal government. The new Medicaid rules became effective on January 1st of this year. It’s nearly the end of March, and the federal government still hasn’t told the states how to proceed with this.

Part of me is hoping that the federal government never does tell them what to do. What many people don’t know is that the state governments have the right to demand that people reimburse them for medical treatment that was paid for by Medicaid. The state can actually seize a person’s assets to do this. Cute, huh? And you thought that Medicaid was a social safety net.

I’ve been told that in California, where I currently live, the state waits until after somebody dies before seizing any of his assets. (Sort of like having your pockets picked by an undertaker.) Apparently, in some states they don’t necessarily wait until you’re dead before they seize your assets. The sign-up site for Medicaid in New York contains this clause:

    I understand that once I get Medicaid coverage, if I am over 55 or if I am in a medical institution and not expected to return home, the Medicaid program may do the following in order to pay for my medical care:
    Take money I already have or that is owned [sic] to me.
    Take money that was made from selling certain things I own
    Take money from people who were legally responsible for me when
    I got benefits.

Nice, huh? Things may be different here in the Golden State, but who knows, our notoriously cash-strapped state government may decide to change the rules at some point.

Because I qualify for Medicaid, I am automatically blocked from applying for subsidized insurance on the exchange. I have been told, however, that I can purchase private insurance at full price. (If I could afford to do that, I wouldn’t have qualified for Medicaid, would I?) Now, here’s a really fun fact for you. Almost half the states have refused to accept the ACA’s expansion of Medicaid. If you qualify for Medicaid and you happen to live in one of these states, you are doubly screwed: not only do you not get Medicaid, but you can’t purchase subsidized insurance precisely because you qualify for the Medicaid that you can’t get. What a brilliant piece of legislation the ACA is! At this point, one has to wonder whether the ACA will significantly reduce the number of uninsured people in this country.

Single Payer is the only rational and humane solution to our country’s health care problems. It is time for us all to admit this.

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