Tag: Medicaid

  • How Medicaid Cuts Undermine Belonging (opinion)

    How Medicaid Cuts Undermine Belonging (opinion)

    In a recent opinion piece entitled “This Law Made Me Ashamed of My Country,” former Harvard University president and U.S. Secretary of the Treasury Lawrence Summers details the human brutality that will result from the recent unprecedented cuts to Medicaid. One glaring omission in his compelling narrative is concern for the estimated 3.4 million college students who are Medicaid recipients.

    Especially vulnerable are those students with disabilities and chronic conditions, including mental health issues, which recently surpassed financial considerations as the primary reason students are either dropping out of college or not attending in the first place. In addition, when states face budget shortfalls, as they will with the federal Medicaid cuts, higher education is often one of the first areas targeted, leading to higher tuition, fewer resources for students and cuts to academic support services. It is certain that reductions in state-funded appropriations will have a direct negative impact on college access and quality for the approximately 13.5 million students enrolled in America’s community colleges and public universities. The catastrophic repercussions, including the exacerbation of existing healthcare disparities, will be disproportionately felt in rural and underserved communities.

    Moreover, both poor health and financial insecurity are known to significantly reduce cognitive bandwidth, impeding the ability of students to learn and resulting in lower completion rates. While racism, sexism, homophobia, ableism and other forms of discrimination each contribute to diminished cognitive bandwidth. studies show that belonging uncertainty is one of the biggest bandwidth stealers. Since the passage of the One Big Beautiful Bill Act, I haven’t been able to stop thinking about the long-term consequences for those who already have doubts about whether they belong in college.

    My understanding of the subtle but powerful ways in which policies and practices communicate exclusion is not a mere exercise in moral imagination—it is at the core of my lived experience. When I began college as a first-generation student at the age of 17, I was able to escape the factory work I had done alongside my mother the previous summer only because of funding I received under the Comprehensive Employment and Training Act. At the time, CETA funds were reserved for those at the lowest socioeconomic rungs who were considered at risk of being permanently unemployable. That fall, with the additional help of Pell grants and Perkins loans, I attended a local community college that had just opened in the small, rural town in which I lived. Throughout my first two years in college, I worked 35 hours a week under the CETA contract, took a full course load of five classes a semester, and served as a caregiver to my mother, who was chronically ill. Like my mother, I suffered from severe asthma, during the days before biologics and inhaled corticosteroids were available to manage the disease, and Medicaid was a lifeline for both of us.

    One late afternoon, I rushed across town to the pharmacy from my American literature class that was held in the basement of the Congregational church, trying to make it before going to my Bio 101 lab, taught in the public high school after hours. My exchange with the pharmacist was straight out of a Monty Python skit. There were people milling around, browsing the makeup aisle and buying toiletries, but there was no one other than me picking up prescriptions. Yet, when I handed over my Medicaid card, the person controlling access to the medicine yelled, loud enough for everyone to hear, “Title XIX patients line up over there.” Regardless of his intention, the pharmacist’s insistence that I was in the wrong line and that I move to a different, nonexistent line, when in fact I was the only one in any line and he was the only person behind the counter, was more than an exercise in blind adherence to pointless bureaucratic protocol—it was a reinscription of the notion that there are spaces across all sectors of society reserved for those who are wealthier, healthier and more “deserving.” Students who are already uncertain about whether they belong in college begin to internalize the idea that their presence on campus is conditional and tolerated.

    When national leaders frame Medicaid as an “entitlement” and abuse of taxpayer money, their rhetoric conveys a sense of stigmatization and the appropriateness of shame felt by those relying on it. And I am especially concerned about the effect of stricter Medicaid work requirements on those in communities like mine, with limited job opportunities and little to no public transportation. The recent cuts to Medicaid send a message to them that their struggles are either invisible or unimportant.

    The new Medicaid policies aren’t accidental missteps. They are the result of a social policy ecosystem built to privilege some while sidelining others. Thus, when we see Medicaid cuts and rollbacks in programs such as SNAP (supplemental nutrition assistance program), we need to understand them not just as budgetary decisions, but as deliberate reinforcements of exclusion. Indeed, Medicaid cuts don’t just remove healthcare—they erode the social contract that says everyone is deserving of access to education and well-being. Rather than reaffirming higher education as a cornerstone of the American Dream for students at the lowest socio-economic rungs, the message from cuts to Medicaid is loud and clear: If you are poor, you don’t belong in college. Higher education is reserved for those who don’t need help to get or stay there.

    As Jessica Riddell, an American Association of Colleges and Universities board member, reminds us, “The systems in higher education are broken and the systems are working the way they are designed.” For this reason, higher education advocates at all levels must organize, teach and lead in ways that dismantle that design.

    Lynn Pasquerella is president of the American Association of Colleges and Universities.

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  • The facts about Medicaid changes

    The facts about Medicaid changes

    I know that there is a lot of emotion going on around the new legislation that was passed last week, so I thought I would take the perilously dangerous step of letting folks know some of the facts on the Medicaid changes, no matter which side of the political spectrum you are on.

    The program currently costs more than $900 billion a year, more than two-thirds of which is paid by the federal government.

    The cost of Medicaid has grown rapidly, more than 130% in 10 years, and is paid for by each taxpayer.

    Semi-Annual Eligibility Verification
    This takes effect in October 2027
    Medicaid is intended for low-income people, so annual income certification is currently required. This will now be done every six months and includes providing proof of citizenship.

    Community Engagement Requirements
    This takes effect after January 2027
    In order to maintain eligibility, some Medicaid enrollees would be required to spend 20 hours per week in employment, educational activities, training, or community service.
    Adults who are disabled or are responsible for caring for children or other dependents are not affected.

    Cost-Sharing
    This will take effect in October 2028
    Primary care, mental health and substance abuse treatment, and emergency care provided in a hospital emergency department are exempt from this requirement.
    The bill requires states to set cost-sharing amounts to be paid by some Medicaid recipients. The cost will be determined by the State but cannot exceed $35. It applies only to patients covered under the Medicaid expansion who earn between 100 percent and 138 percent of the federal poverty level.
    Currently, prescription drugs have a mandatory cost share of $1 to $4 and remains there.

    Reduction of Medicaid Provider Taxes
    Currently, 49 states have a legal maneuver that double dips without providing additional services to Medicaid beneficiaries. This will be reduced and will be phased in incrementally from 2028 through 2032. This results in federal taxpayers having to pay $1.67 for every dollar provided in the states.
    This system allows the states to increase their Medicaid revenue at the expense of the federal government.
    The bill reduces the maximum tax states can levy on Medicaid providers from 6 percent to 3.5 percent in states that expanded Medicaid under the Affordable Care Act. Ten states that didn’t expand their programs will see no changes.

    Rural Hospital Fund
    States have grown used to the revenue from the provider tax, which allows them to increase reimbursement to some providers, including in rural areas.
    In order to not have a negative effect on rural hospitals, the bill provides for a stabilization fund for these hospitals of $50 billion. The funds are allotted at $10 billion per year from 2026 through 2030.

    If you would like to discuss your financial plans going forward, feel free to contact me and we can set up a time to meet or talk – either in person or via Zoom.
    Kind regards,
    Dave

    Tel:714-813-1703
    dcoen@sageviewadvisory / [email protected] 

    You can see more about my role as a Financial Advisor with SageView Advisory  HERE

    Tel:714-813-1703
    dcoen@sageviewadvisory / [email protected]

    This material is designed to provide accurate and authoritative information on the subjects covered. It is not, however, intended to provide specific legal, tax, or other professional advice. For specific personal assistance, the services of an appropriate professional should be sought. A diversified portfolio does not assure a profit or protect against loss in a declining market.

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  • BIG CHANGES to SNAP, Medicaid, Social Security & Student Loan Forgiveness – What You NEED to Know! (Low-Income Relief)

    BIG CHANGES to SNAP, Medicaid, Social Security & Student Loan Forgiveness – What You NEED to Know! (Low-Income Relief)

    If you’re worried about losing your benefits, you’re not alone. With new budget resolutions and lawsuits targeting SNAP, Medicaid, and student loan forgiveness, millions of Americans could be impacted.
     

     

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  • Report: Community Colleges Are Leaving Millions in Medicaid Funding on the Table Each Year

    Report: Community Colleges Are Leaving Millions in Medicaid Funding on the Table Each Year

    According to a newly released report, community colleges miss out on at least $115 million in available Medicaid funding each year. Only 3% of community colleges bill Medicaid for services, despite 84% of community colleges likely being eligible for Medicaid reimbursement. 

    The report, “Increasing Student Support and Success by Boosting Medicaid Engagement,” draws on data collected from a review of over 1,000 community colleges.

    “There is a missed opportunity right now where community colleges could be getting in a significant source of recurring funds that they are not currently claiming,” said Ryan Stewart, report co-lead and Founder and CEO of Mile 2 Consulting, LLC. “I want to raise awareness of that and try to build a culture where more community colleges take advantage.” 

    There are growing mental health concerns among college students and an increase in demand for all student health services among community college students. Unfortunately, the demand for student health services often exceeds a community college’s resources.

    Eligible health services include but are not limited to, psychological services, counseling, nursing services, physical therapy, Medicaid outreach and case management. According to Stewart, the call for community colleges to consider Medicaid reimbursements is more critical now than ever.

    “We’ve seen this growing need for particularly mental health resources at at the college level, and we’ve also seen that many colleges relied on COVID relief funding,” said Stewart. “Those funds are now expired, so you have a lot of schools right now who are looking for ways to sustainably replace those funds, and Medicaid could be a really important source.”

    Stewart previously served as the Secretary of Education for New Mexico and has inspired his thinking about how K-12 schools accessed student resources through Medicaid.

    “In that role we had done a lot of work with our Human Services department because they were really passionate about making sure K-12 schools knew about Medicaid and were doing all they could to claim all available funds,” he said. “Since I’ve left that role, I’ve done a lot of work to try to look at this from a national perspective.”

    Dr. Sara Goldrick-Rab, report co-lead and senior fellow at Education Northwest, brought a higher education perspective to the project.

    “For more than a decade I’ve documented the clear need for community colleges to offer basic needs and related health services,” said Goldrick-Rab, who is also a columnist for Diverse. “A growing number of administrators are trying to offer that help to students but struggle to afford the costs. My hope is that this report spurs action and increases funding available to support student success at community colleges.” 

    Stewart and Goldrick-Rab projected the amount of money that community colleges could potentially generate through Medicaid reimbursement claims, taking into account the health services currently offered at the school, an estimate of the number of students receiving each category of services, an estimate of the number of Medicaid-eligible students enrolled at the school and an estimate of the average reimbursement per student.

    According to the report, community colleges in the United States could collectively generate approximately $115 million in recurring reimbursement revenue from Medicaid.

    “Healthcare access is a critical component of student success and if students are experiencing either mental health or physical health crises and don’t have access to care, that can be a barrier to successful post-secondary completion,” said Stewart. “But that has to be funded. A lot of these services are not cheap, and for colleges who are looking for every resource to try to sustain their whole portfolio of programming, finding sustainable resources like [Medicaid] where money is already appropriate could really make a big difference if you’re looking to either sustain or expand health service programming.”

    When asked why they choose not to claim Medicaid reimbursements for eligible services, community college administrators listed several reasons, including the lack of capacity to manage the Medicaid billing process.

    “​​The primary barrier colleges face when accessing this funding is a lack of information about its existence and what’s required to obtain it. Ironically, that’s the same challenge students face when accessing other funding like financial aid and SNAP,” said Goldrick-Rab. “Of course, some colleges will still struggle to have sufficient staff to offer services in the first place, [because] you have to offer them in order to be reimbursed and deal with the billing.

    Goldrick-Rab said she and Stewart hope to offer technical assistance to teach colleges how to manage this process adequately.

    “I believe addresssing the informational barriers alone will close a lot of the gap. Imagine if even 50% of the colleges offering eligible health services got Medicaid reimbursement, compared to just 3%? That would be a major win,” she added.

    The report provides recommendations for community colleges, state Medicaid agencies, and the Center for Medicare and Medicaid Services. It urges community colleges to create partnerships with their state Medicaid agencies so that they can be informed about their eligibility and request the support needed to optimize health services and revenue potential.

    “Everyone is talking about the student mental health crisis, but until now, I haven’t seen many offering funding options,” said Goldrick-Rab. “We have to ensure community colleges have the resources needed to do this critical work.”

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