Cover the Uninsured Week March 10-16 - page 3

As some may have heard or read or seen on TV in the form of informational commercials, in the United States, there are 41+ million people who are not covered by health insurance. As the commercial... Read More

  1. by   ShandyLynnRN
    Signed, thanks for the heads up! It seems in my little hole in America that noone gets the news out! Thank goodness for ALLNURSES.COM!

    As for malpractice insurance, aside from here, I have NEVER EVER been told by anyone of my employers, school, coworkers, anyone, to get it. I was told that my employer has malpractice insurance on all it's employees anyway. Someone want to enlighten me? Whats the big deal, where do I get it, and how much does it cost? I DO work in OB, so any info would be appreciated!
  2. by   Sally_ICURN
    "Tuesday: Student Organizations Plan On Campus Events on the Uninsured, Teaching Guide Developed"

    "Nurses are committed to a healthcare system driven by the needs of patients and families where everyone, including the uninsured, receives the quality of care they need and deserve."
    -Geraldine Bednash, PhD, RN Executive Director, American Association of Colleges of Nursing

    Press release, Quotes, Teaching Guide

    "The state Medicaid cuts proposed by Gov. Jeb Bush include an estimated $5.52 million in Volusia County and $162,000 in Flagler County, and would lead to heavier tax burdens on local governments, increased costs to patients and elimination of some costly procedures, according to the hospital officials.

    For Montye Conlan, 49, who has multiple sclerosis, the cuts would mean losing the care and medication that keeps her disease from progressing. The Ormond-by-the-Sea resident, who spoke at the City Hall rally kicking off the national Cover the Uninsured Week, faces losing her coverage under a state program for the medically needy. As of May 1, if the cuts go through, she would be required to pay $410 out of her $860 monthly disability income to remain in the Medicaid program.

    "I would have to sell my house," she said.

    "We need an organized system," Smith, 71, told the small gathering at the local Cover the Uninsured rally. Although he didn't use the words national health care, Smith, a former president of the Florida Medical Association, said a solution must be found to ensure that "health care is a right in America.""

    It seems us geniuses at Allnurses are not the only ones who debate the question of healthcare being a "right" in the US.

    "If the number sounds horrific it is because it is - for the uninsured. As a practical matter, it should strike everyone as horrific, because those of us with insurance are paying for the health care of every one of those million people through inflated insurance premiums and higher taxes.
    MidMichigan Health Systems President and Chief Executive Officer Terry Moore told me recently that health system today has all the "perfect storm" elements of a disaster waiting to happpen.
    And many of the elements he related to me were eerily missing from Monday's press conference. While the politicians want to add more people to the Medicaid rolls, the simple fact of the matter is that many doctors won't take them. Why? Because the state reimburses doctors only 43 cents for every dollar billed. As one doctor recently told me, he loses less money by closing his office in an afternoon than he does by taking care of just a handful of people covered by Medicaid.
    That reimbursement rate isn't going to get any better soon. This year's upcoming state budget allocates only a 1 percent increase for Medicaid spending, far less than the double-digit inflation expected in the health care industry."
  3. by   Sally_ICURN
    Originally posted by ShandyLynnRN
    I was told that my employer has malpractice insurance on all it's employees anyway. Someone want to enlighten me? Whats the big deal, where do I get it, and how much does it cost?
    Most all nurses are covered by their employers malpractice insurance, but BEWARE. While you are covered, when it comes right down to it and you are (heaven forbid) facing a lawsuit, you have to remember that it is your employer's legal department that assigns an attorney for you, and you can be sure that that attorney will be looking out for the best interests of the hospital and not your best interests. This is actually something I was taught in the last couple of months of my nursing program.

    I got my insurance through NSO, it costs $43/yr. It includes 1 million liability coverage for each claim, up to 6 million in aggregate coverage, an attorney to personally represent me, license protection, deposition representation, expense benefits, assault coverage, personal injury liability, personal liability coverage, medical payments, property damage, first aid expenses, and 24/7 worldwide protection. The good thing is that this insurance covers me first and foremost.
  4. by   deespoohbear

    Totally agree with what Sally said about carrying your own malpractice insurance. My hospital doesn't go out on a limb now to help/protect me, why on earth would they if we were named in a lawsuit? My employer looks out for number 1 in their book, and that is them. The rest of us of just expendable....I also have NSO insurance. Mine costs about $80 a year. Not sure what the difference in between my rate and Sally's. Maybe has something to do with the area we work in or the part of the country we are in. Anyway, I hope you look into getting your own malpractice insurance NOW....

    I don't tell my patients that I have it but I think that is because it doesn't come up in the normal course of conversation.... I don't know if some patients would even think about nurses carrying their own insurance.
  5. by   Sally_ICURN
    I think the difference in my rate is because I signed a few years ago when I was a new grad. As I look through my documents now, I do pay $80/yr. My mistake.
  6. by   deespoohbear
    Originally posted by Sally_ICURN
    I think the difference in my rate is because I signed a few years ago when I was a new grad. As I look through my documents now, I do pay $80/yr. My mistake.
    Yeah, my rates were lower when I was a student too...but $80 a year is not a bad deal when it comes to protecting my hiney....
  7. by   SmilingBluEyes
    Shandy--- working in OB I cannot believe you don't have malpractice insurance ---I literally shudder at the thought!!!! Your hospital insurance is NOT designed to cover YOU, but the hospital itself and its best interests, as stated above. Plus, YOU have NO way of knowing just HOW good that coverage is or what limitations it has. It is plum foolish to rely on an employer to cover you. Really. I wish you luck!
  8. by   ShandyLynnRN
    I guess I just never really thought about it! Honestly, I never thought about the fact that the insurance provided by my employer wasn't enough. I don't know if it's just because I work in a very small hospital, or a more rural area, but I can't believe noone I work with or went to school with or employers never mentioned it. I am definitely going to look into it ASAP!

    Anyone else working in OB that doesn't have their own insurance??
  9. by   deespoohbear

    Hope it helps...
  10. by   ShandyLynnRN
  11. by   MelRN13
    Signed. Thanks for the info.
  12. by   Gardengal
    Thanks for posting the topic with links-esp to the ama one. When i first encountered this thread I recognized that the links were some I would want to take the time to read, so chose to leave the thread to return to later. Lo an behold I had to come back to a thread which apparantly has generated some controversy. I'm sorry that happened to detract from a good topic.

    I find it interesting that the AMA is so strongly behind this, I believe they were one of the big detractors when the issue of catastrophic illness insurance was a hot topic in the late 70s early 80s. (kind of a similar concept) Maybe this time around with the collective support of so many there will be more progress. I seem to remember a lot of concern regarding decreased general quality and socialized medicine last time I got involved in looking at this to any extent.

    I think that many people now are agreed that our health care system is broken and needs to be fixed. Maybe that opens our minds a little more.

    I frequently feel that open hearts are not really that's when we add open minds and try to open pocket books and wallets to support the ideas that we run into trouble.

    By the way- I too carry my own professional liability insurance, but not on a separate policy. i include it with my homeowners for better coverage at a lower cost.
    Last edit by Gardengal on Mar 11, '03
  13. by   Brownms46
    Originally posted by maureeno
    The Bush administration has suggested a Medicaid reform plan, front loaded with money which is to be paid back after several years, with the supposed "savings" states are to find by redesigning their benefit programs. Oregon already received a Medicaid waiver from the federal government to devise its own healthcare plan. The plan is now in total crisis. 500,000 people with no coverage at all.

    From The Oregonian
    Man's state points to crisis

    A disabled Portland man is unconscious and in critical condition at Legacy Good Samaritan Hospital & Medical Center after losing state pharmaceutical benefits for low-income people.

    Douglas K. Schmidt, 36, apparently suffered a massive seizure about eight days after his supply of anti-seizure medication ran out.

    Family members said Saturday that Schmidt was still waiting for an application to arrive so he could get onto one of the interim prescription programs being offered as backup by pharmaceutical companies.

    Oregon's budgetary problems have forced the state to drop coverage for some people on the Oregon Health Plan, the state's health insurance program for the poor. In Schmidt's case, it was a cut in the state's medically needy program.

    Jean Thorne, director of the Oregon Department of Human Services, called Schmidt's hospitalization "a tragic circumstance."

    "But as we cut back the safety net, we're going to see similar cases," she said Saturday.

    Thorne said 8,500 people lost pharmaceutical coverage when the medically needy program was cut. "But beyond that we have another 100,000 who are going to lose their coverage on July 1," she said.

    That's the date the Oregon Health Plan eliminates coverage for the state's working poor.

    I'm glad you posted this story, as I'm here in Oregon, working with this area's unemployed, disabled and working poor. I have seen first hand, the distress the people in this area are going thru. I see providers desperately searching for ways to help those who are losing their benefits here. In fact one 17 yr old student work a letter to the editor about this horrible problem to the newspaper here, about his mother losing her coverage.

    Just last week we were calling around trying to find meds for a newly dx young woman with seizures. We have been frantic calling the insulin drug company for insulin, and have other offices calling for their pts.

    Before last week when some people received a temporary restoration of their benefits, there was a group home, that was going to have to get rid of their residents. Why?? Because the group home was told, that it didn't matter if their residents couldn't afford their meds, that they would have to provide them, because if they got sick would be the group homes fault!!! And so the group home will have to stop caring for them!!!!

    So what good does it do to have benefits to allow you to go to see a doctor, if you can't pay for th medication???

    There are some programs with the drug companies, such as twelve dollar co-pays. But that does nothing to help those who can bearly afford to pay rent, and eat. There are those who are having to chose between having a place to live, or eating, and having their meds!

    We have a samples cabinet and even though the drug reps are leaving us more and more samples, it only touches the surface. There are also programs with the drug companies, that will give the pt. drugs but it depends on what kind their are taking, and they can't be receiving help from any other source in order to get that help. Plus it takes from 6-10 weeks to get started receving the meds from the drug companies once they qualfy. After 6 months, they have to apply all over again!

    I think this will soon show up in the hospitals with more and more pts, being more acutely ill, with mulitiple admissions, if they'e lucky! This is a very sad more ways then one!