August 11, 2013
The Rich Get Rich…
…and the poor get poorer. Did you know this disturbing little factoid? I didn’t.
Never mind that some states “expanded” Medicaid and others did not. Here is the central point of unfairness for me, and the Kaiser site describes it falsely. They write: “[Y]ou will be eligible for coverage.” In fact, you aren’t “eligible,” because you don’t have a choice. You’re forced into Medicaid. This is important if you’re over 55, because Medicaid expenses will be clawed back from your estate. ObamaCare, in other words, prevents you, by force majeure, from providing for your children if you’re poor and over 55. You don’t even have the option of taking on risk by buying a crappier policy. How can that be fair?
Posted by Jerome Doolittle at August 11, 2013 11:21 AM
"Prevents you from providing for your children if you're poor and over 55" isn't all such a bad thing. That's just leaving your heirs less or nothing to inherit, and you're healthier and live longer.
Maybe it's an upper-class way of looking at the situation. Most people in the working-class or the less well off aren't that concerned about stacks of money being passed down the generations. My neighbor was delighted to get a grandfather clock out of what was left when her parents died. I often see pleas from a family to get enough money to bury their kid or their oldster.
The primary problem, as I see it, is to treat that diabetes now.
Remember, Medicaid was designed to serve "those people."
So of course it's a tough system.
And, BTW, all of this is courtesy of The Big Dawg's 1993 welfare reform. And now Wifey is about to take over after Obama is done.
Wrt Medicaid estate collections -- what you call the "clawback" -- there are estate planning asset protection steps that can reduce the effect on patients' children and other beneficiaries/heirs. However, it's dangerous to handle asset transfers wrong, and middle-class and suburban families tend to be better advised on the subject than low-income urban homeowners.