On the twenty-eighth anniversary of the Americans with Disabilities Act, Leslie Dach, chair of Protect Our Care, released the following statement:
“Twenty-eight years ago the Americans with Disabilities Act was signed into law by Republican President George H.W. Bush, providing critical rights for the more than 57 million Americans with disabilities. Unfortunately, today’s Republicans seem hell bent on doing everything they can to harm these Americans’ health care through their constant attacks on Medicaid and the Affordable Care Act. Nearly nine million adults with disabilities depend on Medicaid for care, including the more than one in three adults under 65 enrolled in Medicaid who live with a disability, and the ACA provides a lifeline for these individuals by preventing insurance companies from discriminating against people with pre-existing conditions and removing annual and lifetime limits on coverage. On this important milestone, we urge leaders to advance bipartisan solutions to the health care concerns of Americans with disabilities, and stop meddling with the Medicaid and health care protections they rely on.”
The Affordable Care Act and Medicaid are Lifelines For People With Disabilities
| BY THE NUMBERS:
57 million Americans have a disability. Thanks to the Affordable Care Act, insurance companies can no longer deny them coverage, drop their coverage for no reason, or charge them more because of a pre-existing condition. 8.7 million nonelderly adults with disabilities depend on Medicaid for care. Nearly 8.7 million adults enrolled in Medicaid have a disability. Of this group, only 43 percent qualify for social security income. More than 1 in 3 adults under age 65 enrolled in Medicaid lives with at least one disability. Nearly 45 percent of adults with disabilities have Medicaid coverage. Medicaid covers 45 percent of nonelderly adults with disabilities, including adults with physical disabilities, developmental disabilities, brain injuries, and mental illness. Medicaid covers nearly a third of adults with disabilities. 31 percent of U.S. adults with disabilities have Medicaid coverage. More than half of adults with disabilities covered through Medicaid earn less than 100 percent of the federal poverty line (FPL). A majority, 52 percent, of adults with disabilities who have Medicaid coverage earn annual incomes of less than 100 percent of the FPL, $12,060 for an individual, and could not afford needed care without the program. Medicaid helps people who need long-term care to stay in their communities. Of nonelderly people with disabilities who rely on Medicaid for long-term care, 80 percent receive community-based care, while only 20 percent receive institutional care. HOW PRESIDENT TRUMP & CONGRESSIONAL REPUBLICANS ARE TRYING TO DISMANTLE THE AFFORDABLE CARE ACT AND MEDICAID: The Trump Administration’s Department of Justice went to court last month to argue that the Affordable Care Act and its protections for people with pre-existing conditions be overturned. This lawsuit could repeal the ACA and with it, its Medicaid expansion and protections for people with pre-existing conditions, including people with disabilities. President Trump and his administration are pushing junk short-term health plans, that allow insurance companies to discriminate against people with pre-existing conditions. The Trump administration is bringing back health plans that are allowed to discriminate against people with pre-existing conditions, and designed to suck health people out of the individual market, thus raising premiums for people who depend on the individual market for comprehensive coverage. President Trump and his Republican allies in Congress have repeatedly tried to slash funding for Medicaid and impose per-capita caps on coverage. Last year, the House of Representatives passed the American Health Care Act (AHCA) repeal bill, which included a per capita limit on federal Medicaid spending that would have resulted in huge cuts to Medicaid across states. After failing to pass the AHCA in the Senate, Republicans have continued to launch relentless attacks on Medicaid. Last December, the Trump Administration budget called for $1.4 trillion in cuts to Medicaid. The Trump Administration is encouraging states to impose work requirements and other bureaucratic restrictions on Medicaid enrollment in order to deny coverage. Experts warn that work requirements are fundamentally bureaucratic hurdles designed to restrict access to health care rather than increase employment. Previous examples show that requiring enrollees verify their employment or work-related activities will reduce enrollment among those eligible for Medicaid. Requiring people to work to maintain Medicaid coverage is particularly burdensome for people with disabilities. Though some states are claiming to exempt people with disabilities from their work requirements, these exemptions are narrow and leave many behind. Among those who should qualify for exemptions, work requirements make it more difficult to keep coverage by requiring enrollees provide documentation, testimony, and records to prove they have disabilities. President Trump and Congressional Republicans are targeting Medicaid to pay for tax cuts for the wealthiest. Last December, President Trump signed a $1.5 trillion tax bill that disproportionately benefits the wealthy. How do Republicans plan on paying for it? Speaker Ryan’s answer is clear: “Frankly, it’s the health care entitlements that are the big drivers of our debt.” In an attempt to pay for these tax cuts, last Thursday, House Republicans passed a balanced budget amendment that would slash Medicaid funding by $114 billion in a single year alone. |
REPUBLICANS WANT TO REPEAL THE AFFORDABLE CARE ACT, WHICH PROVIDED AFFORDABLE COVERAGE AND HEALTH SECURITY TO PEOPLE WITH DISABILITIES
The Affordable Care Act Prevents Insurance Companies From Charging Americans With A Disability More, Or Denying Them Coverage Altogether. Prior to the ACA, insurance companies were allowed to charge people more or deny coverage simply because they had a pre-existing condition. The ACA banned this practice, requiring that insurance companies offer people coverage regardless of their health status.
Thanks To The Affordable Care Act, Insurance Companies Can No Longer Impose Annual And Lifetime Limits On Coverage. Before the ACA, insurance companies could restrict the amount of dollar amount of benefits someone could use per year or over a lifetime. At the time the ACA was passed, 91 million Americans had health care through their employers that imposed lifetime limits. Many such plans capped benefits at $1 million annually, functionally locking people with complex medical needs out of coverage.
Insurance Companies Can No Longer Practice Medical Underwriting, A Process That Let Insurers Make It Harder For People With Disabilities To Get The Coverage They Needed. Before the ACA, insurance companies could screen applicants for any conditions that might be costly to the company. If someone had condition that was predicted to cost the insurance company more, the insurance company would follow a practice called “medical underwriting” that allowed them to charge the applicant a higher premium, specifically exclude coverage for the condition that was expected to be costly, charge the applicant a higher deductible, or limit the applicant’s benefits (for instance, offer a policy that did not cover prescription drugs).
The ACA Requires Insurance Companies To Cover Basic Health Services. The Affordable Care Act established the ten essential health benefits, requiring insurance companies to cover rehabilitative or habilitative services, hospitalization, maternity care, prescription drugs, maternity care, and mental health services.
MEDICAID IS A VITAL SOURCE OF CARE FOR PEOPLE WITH DISABILITIES
Medicaid Helps People With Disabilities Receive Comprehensive, Consistent Care. “Nonelderly Medicaid adults with disabilities are four times as likely to receive nursing or other health care at home, more than 2.5 times as likely to have three or more functional limitations, and more than 1.5 times as likely to have 10 or more health care visits in a year compared to people with disabilities who are privately insured.” [Kaiser Family Foundation, 3/16/17]
Medicaid Covers A Broad Range Of Preventive And Medical Services. “Through Medicaid, nonelderly adults with disabilities have access to regular preventive care as well as medical care for illnesses and chronic conditions. States must provide certain minimum services for adults, such as inpatient and outpatient hospital, physician, lab and x-ray, and nursing home services. States also can choose to provide a broad range of optional services, many of which are important to people with disabilities, such as prescription drugs, physical therapy, private duty nursing, personal care, rehabilitative services, and case management.” [Kaiser Family Foundation, 3/16/17]
Adults With Disabilities Are More Likely To Have Medicaid, And Less Likely To Have Private Insurance, Than Those Without Disabilities. “Those with disabilities are about three times as likely to be covered by Medicaid and about half as likely to have private insurance compared to those without disabilities. These differences are influenced by the greater health needs of people with disabilities and the fact that they are less likely to have access to employer-sponsored coverage.” [Kaiser Family Foundation, 3/16/17]
PEOPLE WITH DISABILITIES DEPEND ON MEDICAID FOR LONG-TERM CARE
Medicaid Provides Half Of Long-Term Care In U.S. “Medicaid provides half the nation’s long-term care. Over the decades, states, CMS, providers and consumers have worked to broaden access to care in home and community based settings, where many seniors and people with disabilities would prefer to live…In 2013, the Medicaid program reached a major milestone: for the first time, the majority of Medicaid spending on long term services and supports (LTSS) was for home and community based services (HCBS) rather than for institutional care.” [Centers For Medicare & Medicaid Services, January 2017]
Americans With Disabilities Depend On Medicaid For Community Based Care. Nearly 1.7 million nonelderly people with disabilities rely on Medicaid for long-term care. Medicaid helps the vast majority get the care they need in their communities, rather than an institution. In 2011, 80 percent of nonelderly people with disabilities who used Medicaid were served in their community; only 20 percent were served in institutions. [Kaiser Family Foundation, 3/16/17]
Julie Reiskin, Executive Director of ColoradoCross Disability Coalition: Medicaid Helps People With Chronic Disabilities To Access The Care They Need In Their Communities. “It is Medicaid that provides the in-home aid who helps get an adult with quadriplegia out of bed, dressed and able to go to work in the morning. It is Medicaid that provides the in-home occupational therapist who works with the autistic child so she can live at home with her family — not be pushed into an institution.” [Reiskin, The Hill, 6/21/17]
RESTRICTING MEDICAID THREATENS ACCESS TO CARE AND JOBS FOR FOR PEOPLE WITH DISABILITIES
Medicaid Work Requirements Make It Harder For People With Disabilities To Access The Care They Need. “Kentucky’s recently granted waiver does propose limited exemptions for people who are ‘medically frail’ and for those ‘diagnosed with an acute medical condition’ that prevents compliance, but these exemptions won’t keep beneficiaries from falling through the cracks…Arkansas, for example, estimates that just 10 percent of expansion enrollees are ‘medically frail’ — short of the third of non-SSI adult Medicaid enrollees nationwide unable to work because of a disability and far less than the 69 percent of Michigan Medicaid expansion enrollees who report serious chronic conditions that may sometimes prevent them from working.” [Center on Budget and Policy Priorities, 1/26/18]
The Arc: “Cutting Off Medicaid Won’t Help Anyone To Work.” “Medicaid specifically covers services, such as attendant care, that are critical to enable people with significant disabilities to have basic needs met, to get to and from work, and to do their jobs. Requiring individuals to work to qualify for these programs would create a situation in which people cannot access the services they need to work without working – setting up an impossible standard.” [The Arc Statement, 1/11/18]
University of Kansas Report: “In Effect, Medicaid Expansion is Acting as an Employment Incentive for People with Disabilities. “People with disabilities are much more likely to be employed in states that have expanded Medicaid coverage as part of the Affordable Care Act, new research from the University of Kansas has found. Similarly, the number of those who report not working because of a disability has greatly declined in expansion states…’In effect, Medicaid expansion is acting as an employment incentive for people with disabilities,’ the researchers wrote.” [Healthcare Finance, 7/23/18]
President Trump’s Budget, Which Calls On Congress To Pass Graham-Cassidy, Would Strip Coverage Away From More Than 1.4 Million People With Disabilities. “New analysis finds that, even according to conservative estimates, between 1.4 million and 1.8 million nonelderly adults with disabilities would lose vital Medicaid coverage as a result of the bill’s deep cuts, risking a return to widespread institutionalization and pushing people with disabilities—and their family members—out of the workforce.” [Center for American Progress, 9/25/17]
Republican Efforts To Repeal Medicaid Expansion Would Mean 64 Percent Of Medicaid Adults With Disabilities Would Lose Coverage. “The Affordable Care Act’s Medicaid expansion covers 11 million people. Many of them struggle with a chronic illness or a disability (such as a mental health condition) that wouldn’t, by itself, qualify them for Medicaid. Only 36 percent of non-elderly Medicaid beneficiaries with disabilities receive Supplemental Security Income, which allows them to enroll in Medicaid even without the expansion. While others may be eligible for Medicaid based on other criteria, many could lose Medicaid coverage under the House bill and wind up uninsured.” [Center on Budget and Policy Priorities, 8/29/17]