COVID relief extends Medicaid’s pregnancy health insurance benefit to a full year
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The American Rescue Plan includes a lot of pieces that are about more than just direct COVID relief. For example, it includes a major expansion of health care subsidies. It also expands a program that provides Medicaid health coverage to pregnant women as part of an effort to deal with rates of maternal death and illness that are much worse in the United States than in other developed countries.
About 7 years ago, Emilly Stuart-Clark was living in West Virginia, working at a ski resort, living her best life, she likes to say. She did not have health insurance, however. Private insurance was too expensive, she did not qualify for Medicaid and couldn’t get insurance through work. She felt “it just never was, like, an option.”
One day that changed because, she said, “I actually got Medicaid while I was pregnant.”
Medicaid eligibility becomes a lot more generous during pregnancy. In fact, Medicaid covers nearly half the births in the U.S., according to the Kaiser Family Foundation. But there’s a catch: Two months after birth, the special pregnancy benefit ends.
That was a serious problem for Stuart-Clark.
“At four weeks postpartum, they found the tumor,” she said. She discovered she had a brain tumor just weeks before her insurance ran out.
“The doctor realized my situation and he was, like, ‘move the other appointments, we have to get her in before her insurance runs out,'” Stuart-Clark said.
They made it to surgery just in time. She would have been on the hook for more than $200,00 in medical bills.
The American Rescue Plan would have made the situation less frantic. It allows states to extend pregnancy-based Medicaid to a full year of coverage.
But right now, this insurance cliff is not rare. Maggie Clark with the Georgetown Center for Children and Families said that “when women lose this coverage after 60 days, about half of them become uninsured. So that’s a million new mothers every year who are losing coverage every year at a really critical time.”
It is a critical time because there are so many chronic conditions that can be picked up during pregnancy, said Usha Ranji with the Kaiser Family Foundation. Those conditions include “something like diabetes, hypertension, cardiovascular disease — those are not conditions that can be typically resolved within two months.”
The U.S. doesn’t do well on measures of maternal health compared to other developed countries right now, Clark said. “The U.S. maternal mortality rate is twice as high as Canada’s and eight times as high as Norway.”
And within the U.S., Black and Indigenous women are two to three times as likely to die from pregnancy-related causes in the first year as white women, according to the CDC. Many of those who most need extended benefits live in states that declined to expand general Medicaid under the Affordable Care Act.
Emily Johnston with the Urban Institute said that “two-thirds of uninsured new mothers who would likely benefit from the extension reside in only five states: Florida, Georgia, Missouri, North Carolina and Texas.”
Those states and seven others without expanded general Medicaid still have the option of extending just pregnancy-based benefits.
COVID-19 Economy FAQs
Can businesses deny you entry if you don’t have a vaccine passport?
As more Americans get vaccinated against COVID-19 and the economy begins reopening, some businesses are requiring proof of vaccination to enter their premises. The concept of a vaccine passport has raised ethical questions about data privacy and potential discrimination against the unvaccinated. However, legal experts say businesses have the right to deny entrance to those who can’t show proof.
Give me a snapshot of the labor market in the U.S.
U.S. job openings in February increased more than expected, according to the Labor Department. Also, the economy added over 900,000 jobs in March. For all of the good jobs news recently, there are still nearly 10 million people who are out of work, and more than 4 million of them have been unemployed for six months or longer. “So we still have a very long way to go until we get a full recovery,” said Elise Gould with the Economic Policy Institute. She said the industries that have the furthest to go are the ones you’d expect: “leisure and hospitality, accommodations, food services, restaurants” and the public sector, especially in education.
What do I need to know about tax season this year?
Glad you asked! We have a whole separate FAQ section on that. Some quick hits: The deadline has been extended from April 15 to May 17 for individuals. Also, millions of people received unemployment benefits in 2020 — up to $10,200 of which will now be tax-free for those with an adjusted gross income of less than $150,000. And, for those who filed before the American Rescue Plan passed, simply put, you do not need to file an amended return at the moment. Find answers to the rest of your questions here.
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