I'm not an expert on health policy. There's just too much to pay attention to, and I've pretty much decided to let lots of other people handle that.
Still, every so often something breaks into even my consciousness that seems to be meaningful, and this week it was the front-page story at the Freeps. The headline, Paying but not completely covered, encapsulates the thesis of the story: the preexisting condition exclusion in Catamount Health screws people out of needed health care, including the very attractive pregnant couple on the cover and people who need some very expensive HIV/AIDS treatment. They sure have a point. The people featured in the article make a persuasive point that if they could have known that they wouldn't be covered there would have been no good reason for them to sign up and start paying premiums.
I think this is a great illustration of a big problem with this program, and it does seem like something that can be fixed when the Legislature returns next month.
Still, this may be a case where the Free Press didn't just bury the lede, they completely didn't see it.
At the bottom of the story there is a text box with a bunch of statistics in it.
The problem is, I think they left out the most important statistic.
Here are the latest enrollment figures:
APPLICATIONS: 1,837 people have applied for one of the Catamount plans offered by Blue Cross and Blue Shield of Vermont and MVP Health Care.
APPROVED AT FULL COST: 150 Vermonters have been approved for coverage paying the full monthly premium — $393 for an individual.
APPROVED WITH SUBSIDY: 1,251 Vermonters have been approved for coverage paying a partial premium, depending on their income, with state and federal dollars making up the difference. The minimum monthly payment is $60 for an individual.
PENDING: 335 applications under review.
DENIED: 86 didn't qualify.
DECLINED: 14 decided against enrolling after seeing the cost.
ENROLLED WITH EMPLOYERS: 349 Vermonters were added to their employers' health plans, with the state paying a share of their premiums. For uninsured people who work where insurance is offered, this option is checked first before they can apply for Catamount.
It's so dense with figures that you don't immediately get it, so let me pull something out:
APPROVED AT FULL COST: 150 Vermonters have been approved for coverage paying the full monthly premium . . .
APPROVED WITH SUBSIDY: 1,251 Vermonters have been approved for coverage paying a partial premium . . .
If you add those two figures together you get 1,401 Vermonters getting coverage through this program, with maybe another 349 getting it through their job.
By digging around on the Web you can find another important number: the number of Vermonters without health coverage. It's 65,416. This isn't even a dent in the problem. At this rate, how long will it take to cover everybody who needs coverage, even assuming they don't drop out when they can't afford the premium or don't want to pay for a plan that doesn't provide the services they need?
Maybe you don't think this is a joke, but how much of the $387,000 that they're paying to advertise the program will they have to spend to counteract stories that publicize what a rotten deal it is?