Prescription predicament: Louisianans without drug... -
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Published on: 5/23/2004
Last Visited: 5/23/2004
Jennifer Steele, director of policy research for DHH, said the department wants to implement several programs if the Legislature can find the money to match federal Medicaid dollars that, under a special waiver, could be used to help expand health insurance coverage, she said.
The LaChoice pilot program would target small businesses with 50 employees or less that haven't offered health insurance in the past six months.The benefit plan would be what she called "commercial lite," meaning some limits, such as the number of prescriptions or doctor visits.
The average cost would be $200 for each member per month, with employers paying at least half.Also, low-income families would get a subsidy of up to $100 per month.
Ultimately, though, the state would like to subsidize $200-a-month premiums to those who don't have access to employer-provided programs, work part time and don't qualify for benefits, or simply can't afford individual market insurance, Steele said.
But that's at a huge cost: There are 435,000 low-income adults in Louisiana.Subsidizing premiums, even on a limited plan, adds up to about $1 billion annually.
But the way the state sees it, "we're already paying for it," Steele said, citing $600 million a year to charity hospitals and costs of treating the uninsured that are passed on in higher premiums to those with health insurance.