Freelance Contribution by Jessica Walter
Medicaid is the poor man’s insurance in the US and if Medicaid cuts will be implemented, seniors are part of vulnerable groups that will be hit the hardest. South Carolina has been identified as the state that will experience tough times. The recent Kaiser Analysis revealed that the state, along with 10 others will be in trouble should a $834 funding be slashed in the next decade. Most of the resources of Medicaid is spent on elderly care and people with disabilities. At present, seniors 65 years and above comprise 16.7% of the state’s population.
Over 50 Million Americans Rely on Medicaid
Millions of Americans rely on Medicaid as an accessible form of health insurance. It covers low-income groups as well as vulnerable groups such as handicapped people, the elderly, children and pregnant women. Funded jointly by the federal states and the government, the Federal Medical Assistance Percentage differs from state to state according to factors such as income levels. Its eligibility is determined by using the supplemental security income (SSI) for individuals 65 years and older, or who have a disability or blindness. Nearly 1 in 5 Americans are covered by Medicaid. It covers 2/3 of the nation’s nursing homes. As such, it is the biggest expense to Medicaid.
Dental coverage can be included in Medicaid but each state is governed by different rules. 15 states will cover dental insurance when it is an emergency dental service and necessary dental procedures. It is up to the state to determine what is necessary and an emergency. Dental benefits for SC residents were available on December 1, 2014 to pay for cleaning, fillings and extractions with a $750 per annum cap and $3.4 co-pay. This move benefited seniors with disabilities or who are on low incomes.
Impact of Repealing the Affordable Care Act
President Trump and Congress are trying to scrap the Affordable Care Act. After the elections, efforts were directed at cutting funding to Medicaid by a fifth. The Trump administration also mandated states to impose work requirements as a condition for eligibility to receive Medicaid assistance. The Center for Medicare & Medicaid Services (CMS) has already approved work requirements in Indiana and Kentucky and 8 states are going to follow. Proponents of the work requirements as conditions for Medicaid assistance say that this move will only target those who are not working, actively seeking work or unable to work because of an illness/disability. With work requirements, access to healthcare by low-income families and disadvantaged groups is reduced.
Medicaid cuts to South Carolina will affect its beneficiaries including seniors since it has the fourth highest federal match rate. That means for every $1 the state spends, the federal government gives $2.5. Budget cuts will affect everyone because there is no money to spare. It will limit access to healthcare and reduce further the number of people who can see doctors. The elderly will find it difficult to maintain mental, physical and emotional health. Overall wellbeing will diminish.
Managing the health care systems properly is important to provide access to services for the poor and senior groups. Without Medicaid, there are very little options available for mature adults especially those who need long term care or for those with no families to take care of them. Even towards the end of life, this means that the elderly are denied a dignified life without medical and health care.