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Confusion, inaction plague uninsured

Tuesday, Dec. 10, 2013 6:29 PM
Last updated Wednesday, Dec. 11, 2013 10:50 AM
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Like many of the long-term uninsured, Carlethia Dorsey knew she needed to sign up for health insurance next year and wanted to take advantage of the Affordable Care Act through the Health Insurance Marketplaces.

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Carlethia Dorsey, 61, has applied for health insurance through the Affordable Care Act through help and education received at the Medical Associates Plus at Belle Terrace. According to a recent study, nearly a third of the uninsured have not heard of the state Health Insurance Marketplaces that would allow them to sign up for mandatory health insurance.   EMILY ROSE BENNETT/STAFF
EMILY ROSE BENNETT/STAFF
Carlethia Dorsey, 61, has applied for health insurance through the Affordable Care Act through help and education received at the Medical Associates Plus at Belle Terrace. According to a recent study, nearly a third of the uninsured have not heard of the state Health Insurance Marketplaces that would allow them to sign up for mandatory health insurance.

The question was, how.

“I didn’t know how to sign up and go about it,” said Dorsey, 61.

Her story is not unusual. A poll released Tuesday showed that only about 7 percent of uninsured Americans felt “very prepared” to sign up for health insurance and that nearly a third had not even heard of the marketplaces that many will use to sign up.

Worse, 61 percent of the uninsured – whom the law was designed to help – said they have not done anything to prepare to get health insurance, and 55 percent said they were still “not sure” what they would do to comply with the health insurance mandate, according to the survey by the Transamerica Center for Health Studies.

Only 5 percent said they were planning to forgo insurance and pay the fine. Of those who said they would not sign up for insurance, 38 percent said it was because they did not support the law “on principle,” according to the survey.

On the positive side, 35 percent of those who had not been able to get health insurance because of a pre-existing condition said they would get insurance through the law. As part of the federal act, insurers cannot deny coverage for adults with pre-existing conditions as of Jan. 1.

To help her get signed up, Dorsey was able to turn to navigator Terri Gant, of Medical Associates Plus at Belle Terrace. They created an account for Dorsey but then were stymied by the Web site’s being overloaded Tuesday; visitors were asked to wait, a message that continued to appear late into the afternoon. Nonetheless, Dorsey said she is determined to get it done.

Gant, who holds regular sessions in the community, spends a lot of her time educating people on how that should happen before she jumps in to provide individual help. Dorsey said she is grateful for the help but believes the solution lies in a higher source than whoever is trying to fix the Web site.

“I’m patient,” she said. “I’m going to wait on the Lord. I’m not going to wait on man. I’m waiting on the Lord.”

Comments (14) Add comment
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fedex227
10756
Points
fedex227 12/10/13 - 09:11 pm
2
5
At least the state of Georgia ...

is doing all it can to reduce the rolls of its uninsured population, provide for the general welfare of the working poor and assist them in seeking out affordable healthcare using all the tools available at the state and federal levels.

Dixieman
12993
Points
Dixieman 12/11/13 - 08:15 am
2
3
Everyone confused about everything

in this atrocious mess. Thanks for destroying one-sixth of the American economy, Mr. President. Perhaps your new pal Raul Castro will invite you to visit Cuba to inspect their lousy system.

seenitB4
81700
Points
seenitB4 12/11/13 - 08:28 am
2
2
Confusion galore

There has to be an easier way....healthcare has been turned upside down with this law....we will see MORE ER visits in the future.

Little Lamb
43941
Points
Little Lamb 12/11/13 - 09:27 am
1
1
Medicare

Carlethia Dorsey would be better off financially (and probably healthwise, too) if she opted out of the Affordable Care Act. She would come out cheaper by taking the penalty.

There was an Associated Press story that said the Affordable Care Act says that the IRS is the agency that will collect the penalty money and transfer it to the Health and Human Services account. But the Affordable Care Act authorizes the IRS to collect the penalty only from income tax refund money. They can not use any of their other tax collecting tactics that they use on tax evaders (that's only right and fair).

Thus, if Ms. Dorsey carefully arranges her income tax withholding (or her quarterly tax payments if she is a businesswoman) such that she is not due a refund, she will come out ahead by opting out of Obamacare.

In four years or less she will be eligible for Medicare. She should take the risk.

soapy_725
43555
Points
soapy_725 12/11/13 - 09:51 am
1
0
Confusion is by design. Just as "dumbing down" is by design.
Unpublished

Destroy the American System is by design.

soapy_725
43555
Points
soapy_725 12/11/13 - 09:53 am
1
0
First the schools. The legal system. Now the medical system.
Unpublished

Marx & Engels would be proud of their little comrade.

OJP
5942
Points
OJP 12/11/13 - 10:02 am
2
3
@Dixieman

"Thanks for destroying one-sixth of the American economy, Mr. President."

Source?

"Perhaps your new pal Raul Castro will invite you to visit Cuba to inspect their lousy system."

Oh for cryin' out loud...

carcraft
24328
Points
carcraft 12/11/13 - 10:46 am
3
2
Oh for crying out loud?

Oh for crying out loud? Obama lied, and sold this piece of Garbage to the American people and then violates the law because he can't make it work ! Did you know that the people that live in states that did not set up exchanges can not receive subsidies ? Did you know that when the employer mandate takes effect up to 90 million more may going to lose their insurance? Did you know that this program is primarily a wealth redistribution plan forcing people to bug coverage they don't need so the excess can be used to buy coverage for others. The primary focus of over charge is the young just stating out who can least afford it? This is a steing pile of BS being dumped on the American people and communism!

carcraft
24328
Points
carcraft 12/11/13 - 10:49 am
1
2
Oh for crying out loud?

Oh for crying out loud? Obama lied, and sold this piece of Garbage to the American people and then violates the law because he can't make it work ! Did you know that the people that live in states that did not set up exchanges can not receive subsidies ? Did you know that when the employer mandate takes effect up to 90 million more are going to lose their insurance? Did you know that this program is primarily a wealth redistribution plan forcing people to bug coverage they don't need so the excess can be used to buy coverage for others. The primary focus of over charge is the young just stating out who can least afford it! This is a steaming pile of BS being dumped on the American people and has it's basis in communism!

soapy_725
43555
Points
soapy_725 12/11/13 - 11:06 am
0
0
The "confused" are confusd about everything. Other than where
Unpublished

the freebies are distributed.

raul
4159
Points
raul 12/11/13 - 01:47 pm
2
2
I wonder how many of those

I wonder how many of those "confused and inactive" folks have even made an attempt to become informed on Obamacare? Probably not many. And a lot of them are the same low information voters that turn out every election and vote for the party that they think will give them something for nothing.

Tom Corwin
8881
Points
Tom Corwin 12/11/13 - 02:17 pm
2
0
Carcraft

I'm not sure where you got that information but people who live in states that did not set up their own exchanges CAN receive subsidies to help defray the cost of the insurance. I did a story last week about an Augusta man whose subsidies will essentially cover the cost of his premiums. It is based on income, not location.

carcraft
24328
Points
carcraft 12/11/13 - 03:53 pm
2
1
I was listening to Bill

I was listening to Bill Bennet and found out about this . Here is a couple of sources. "Michael Cannon . . . has been pointing this out for months. In July, he published a paper with Jonathan Adler, of Case Western Law School, arguing that federal attempts to offer subsidies through the exchanges would actually be unconstitutional. Oklahoma has filed a lawsuit in federal court making the same argument. On Monday, conservative intellectuals James Capretta and Yuval Levin raised this argument in an op-ed in the Wall Street Journal. . . . "

carcraft
24328
Points
carcraft 12/11/13 - 04:00 pm
1
1
This link directly deals with

This link directly deals with the actual language of the law as it pertains to this issue. http://www.examiner.com/article/the-obamacare-subsidies-could-be-enjoined

carcraft
24328
Points
carcraft 12/11/13 - 04:07 pm
2
1
Now Obama can choose to make

Now Obama can choose to make up the law like he did with delaying the employer mandate, (that is a clear violation of the law), and see if it sneaks by or if some of the court challanges trim his tail feathers a little bit!

robert2410
1628
Points
robert2410 12/11/13 - 06:29 pm
1
1
Well Mr Corwin, where do
Unpublished

Well Mr Corwin, where do those "subsidies" come from? Someone will be paying, many of us to be exact.

carcraft
24328
Points
carcraft 12/11/13 - 07:34 pm
0
1
I wonder what Mr. Corwin

I wonder what Mr. Corwin thinks of the reality of how the law is written as opposed to how it is being interpreted?

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