S-CHIP programs as well as some states that chose Medicaid expansion programs due to a Section 115 waiver decided to use waiting periods as their primary method of guarding against the potential for substitution (Brooks, 2017). There are still 15 states that still enforce a waiting period (Ferguson, 2018). Waiting periods do more harm than good, as they disrupt care for children – making them oscillate between S-CHIP, no insurance, and can cause serious disruption in healthcare which can have negative outcomes (Ferguson, 2018).For example, “Jett” is a three-year-old little girl in the Beck family. The Beck family has a household of six to include: dad, mom, “Jett”, and three older siblings. They live in Maine. All children are fairly healthy and have always received regular well checks, as they had
STATE CHILDREN'S HEALTH INSURANCE POLICY10commercial insurance through their father’s employer. Both of “Jett’s” parents work. However, her father had also been going to school to be a barber, his lifetime dream. He recently graduated. Her mom was a cosmetologist and they had always visualized opening a hair salon together offering both services. They knew that this transition would result in some health insurance issues, as they would be forced to purchase insurance on their own. After pricing plans, they realized that they could not afford to purchase private health insurance. They decidedthat they would make the sacrifice anyhow and go forward with the plan. “Jett’s” parents openedtheir own salon/barber shop. They all lost health coverage, but they were not too concerned because everyone was healthy. Once the shop was up and running, they realized that due to the changes in their income, their family would qualify for MaineCare, Maine’s S-CHIP. However, due to the circumstances, they would have to wait for 90 days for eligibility of coverage. They figured this would be okay as everyone was doing well, and no one was due for physicals or immunizations. However, during this period, “Jett” began having headaches on and off. Nothing concerning, they gave her Tylenol at first and it seemed to help. Days would go by and no headaches. She had a headache for a few days straight and they figured it was maybe allergies since it was early spring, and all the older siblings had had headaches with their allergies at one time or another. They started her on OTC allergy medication. Again, the headaches seemed to go away for a couple weeks. Then all of the sudden she started to sleep more. “Jett’s” parents thought this was normal and chalked it up to her possibly going through a growth spurt and playing outside a lot. Then, they noticed that Jett was not eating well and had acouple days where she vomited. They assumed she had a stomach virus. She seemed herself for a while, but then she started falling asleep in unusual places like while out to eat one night at Cracker Barrel.
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- Fall '16
- Jean Gordon
- The Land