Finding coverage in times of need
Organization provides health care for those who can’t affordBy KURT HAUGLIE, DMG Writer
Article Photos
HANCOCK - With Michigan's poor economy, many workers are either being laid off or having their hours cut, which reduces their income and makes keeping health insurance difficult or impossible. Filling that coverage gap is the purpose of the nonprofit Western Upper Peninsula Healthcare Access Coalition.
Carolyn Williams, WUPHAC pharmacy and administrative coordinator, said the organization began in 2005 after some community members got together and decided such a service was needed locally. They modeled the WUPHAC on a similar organization, the Marquette Medical Care Access Coalition.
"There was a federal Healthy Community Access grant that got everybody going," she said.
Service for WUPHAC members is provided by local health care professionals, Williams said.
"Doctors donate limited visits," she said. "Hospitals donate basic lab work and plain film X-rays."
CAT scans and MRIs are not part of the service, Williams said.
Those who use the WUPHAC have some income, Williams said, but not enough to pay for health insurance.
"Applicants for our program can't have any insurance benefits," she said.
Before going through the application process with the organization, Williams said potential applicants must first be denied Medicaid coverage from the Department of Human Services, which requires those who receive the insurance have little or no income. The denial must have been within the past 90 days from the day of application to WUPHAC.
Williams said WUPHAC has no assets testing for its members.
"It's strictly income-based," she said.
The WUPHAC service is open to people 19 to 64 years old, Williams said. They can have no pending litigation for illness or injury, and their income must be less than 200 percent of the federal poverty guideline.
Since 2005, Williams said the WUPHAC has seen a continuous increase in people asking about and joining the organization.
"We see a lot more phone calls and a lot more walk-in traffic," she said.
Many people who are members of the organization have either been laid off and lost their employer-provided health insurance, Williams said, or they've had their hours cut and can no longer afford employer-provided insurance.
Williams said as of December 2008, 63 percent of the people in the program were employed, 59 percent were female and most are 45 to 54 years old.
Sherri Dulong, WUPHAC program and volunteer coordinator, said 95 percent of those who make contact about the service end up in the program.
The state of Michigan has a variety of insurance programs for economically challenged residents, but Dulong said because of the state's financial problems, those may not be available.
"It's hard when the state puts a freeze on its insurance programs," she said.
Currently, Williams said WUPHAC doesn't offer dental coverage, but its 11-member board of directors are considering changing that fact.
"They're hoping to expand to dental," she said. "It's something that's been talked about for a long time."
Dulong said the WUPHAC needs volunteers to do office work, cover special events and act as enrollment counselors. Since the organization is nonprofit, it seeks monetary donations, also.
For more information about becoming a member of WUPHAC, call 482-7122, or go online to wuphac.org.
Kurt Hauglie can be reached at khauglie@mininggazette.com.
|
adventure
|
|
|---|---|
|
11-25-09 12:21 AM
|
LocalMom, I believe it's you that's been duped. The Constitution, which is the law of the land, does NOT authorize the federal government to be involved in most of the stuff it's involved with. To believe otherwise means you've been duped by the socialists in congress. You either believe in the Constitution as the law of the land, and the document that constrains our federal government, or you don't. If you believe it is, then this is clearly unconstitutional. If you don't, then you must accept ANY law that congress passes, and cant challenge such laws on constitutional grounds, since you won't fight for the whole constitution.
|
|
LocalMom
|
|
|
11-24-09 11:10 AM
|
I want change so I am "on the dole" you say? Your ignorance is boundless. I am hard working, highly educated and working with my family on as much self-sufficiency as we can achieve. "On the dole" would be much less accurate than "providing good money to the tax base." What I also am is an American citizen who believes that everyone - not just the wealthy, adequately employed or privileged - deserves good health care. Much of my family has TriCare - government insurance for military and dependents. It is an excellent program. They are fortunate. My first option would not be government involvement, but years of abuse of the people by private insurance companies has shown this won't work. If you really believe we don't need government intervention, then you have been duped by the powerful and big-money-backed insurance lobbyists. So sorry you and your cronies can't see that for yourselves.
|
|
buckskin
|
|
|
11-24-09 10:15 AM
|
only those on the dole want all this government involvment
|
|
BuddyBoy
|
|
|
11-24-09 4:12 AM
|
The Bush Depression rages on. Only the bankers are still smoking their fat cigars and drinking wine with the politicians. Incredible stupidity. Is a revolution in our future? Gerald Celente thinks big changes are in story politically.
|
|
adventure
|
|
|
11-23-09 6:25 PM
|
HomeindaUP, can we really say were free, if (as passed in the house version), we will be forced to pay for a product, or face fines/jail JUST BECAUSE WE EXIST?
|
|
adventure
|
|
|
11-23-09 6:23 PM
|
KJohna is right on. The ONE area in this health care debacle that would lower costs AND congress has the Constitutional authority to mingle in is being able to buy health plans from out of state. Yet, congress won't touch it. The founders intention when they wrote the commerce clause was to prohibit one state from taxing goods and services, as well as to stop states from prohibiting goods and services from being sold to other states. Yet, the states won't allow cross state health insurance sales. Congress needs to (and Constitutionally can) step in and put an end to that practice.
|
|
adventure
|
|
|
11-23-09 6:18 PM
|
LocalMom, Paying for and maintaining roads is legal under the constitution, same with the military. Law enforcement is primarily a state issue, so the FEDERAL constitution doesn't come into play. lostmyshovel, No, I've never had insurance dropped, nor have I know of anyone to have their insurance dropped. However, right now I don't have insurance. When I got bills to pay for for pnemonia, I set up a payment plan with the hospital and pay it. It's $100/month, but the hospital and I agreed to it. I'm not promoting scare tactics, I'm promoting the Constitution. If you want the government to provide health care, add an amendment to the Constitution. Then, I'll be all for it.
|
|
HomeindaUP
|
|
|
11-23-09 5:46 PM
|
Sounds like the cost of freedom is going up for alot of us. It's worth it.
|
|
snowbound
|
|
|
11-23-09 5:16 PM
|
I suggest donating money this holiday season to those kind souls at WUPHAC. I side with reform on this matter but I don't hold anything against those against it. I don't think anyone wants to see anyone fall through the cracks when they're sick. We're all just trying to get by. If you've got extra this year, give some away.
|
|
KJohna
|
|
|
11-23-09 3:38 PM
|
The argument that the right just wants the status quo is soooo status quo. Allowing people to get health insurance across state lines and stopping frivilous law suits as rangerover mentioned would be a fine start. Many people I have spoken to seem to have a looter mentality about getting "free" healthcare. A lot of people have no idea how this would be paid for but as long as they're getting it for "free" they won't question it.
|
|
lostmyshovel
|
|
|
11-23-09 3:35 PM
|
"if they lied about that, what else are they lieing about?" The thing she "lied" about was not listing a peanut allergy, and for that she was rejected coverage for MS and her kids who had nothing to do with anything were cut loose, too. The thought pattern has nothing to do with paranoia over what else they're hiding and everything to do with profit. The company was just looking for a reason to cut her and they found it. It happens to lots of people. Look it up (and I haven't watched MSNBC since election night). I looked up Blue Cross and you're right, they do accept all comers. I also saw this: They're the ONLY company in Michigan that does. You're making generalizations from anecdotal evidence again...
|
|
rangerover
|
|
|
11-23-09 3:00 PM
|
lostmyshovel---look at my original post---you can lose it by either not paying or lieing on your appliciaton. Failing to disclose a condition is lieing by ommission. Fair or unfair, if you fail to disclose you are less than truthful. The thought pattern is this---if they lied about that, what else are they lieing about? SO don't lecture me. You can read all the news you want. But anyone who wants health insurance in Michigan can get it thru Blue Cross. YOU look it up. It is absolutely true. Blue Cross is designated the "insurer of last resort' by the Michigan legislature. And not believing this goes both ways-----I am speaking facts but you will not believe it. And the only news brimming with these stories is on MSNBC.
|
|
lostmyshovel
|
|
|
11-23-09 2:57 PM
|
Whoops, rangerover, you asked ME that question, not abides. See below. I know we commies all look alike.
|
|
lostmyshovel
|
|
|
11-23-09 2:55 PM
|
rangerover, you're not going to pull that on me. Yes, I do know someone who had their coverage pulled because their mother failed to report a harmless condition on her application and the company pulled the coverage for the whole family. Even if I didn't know anyone, however, the news and Internet is brimming with reliable accounts of this happening, not to mention independent studies on the widespread practice. YOU should look it up, but I'm convinced that someone who doesn't want to believe it can never be convinced. You can, however, be thoroughly refuted.
|
|
rangerover
|
|
|
11-23-09 2:46 PM
|
abides---you are still not answering my question-----how many people do you know personally that have lost their health coverage because they got sick?
|
|
rangerover
|
|
|
11-23-09 2:45 PM
|
abides--thank you. I happen to hold a Masters degree in economics, so I am always open to being enlightened by the likes of Keith Olberman and Barney Frank. . Tell the people who lost family members to the peanut butter that it was only a small percentage of the entire production that was lost. I am sure that they will be comforted knowing that. The fact is this---we assume that our food is safe. In the case of the peanut butter it was NOT safe. The FDA and the USDA failed in that instance. People died. Whether self-regulation would have been better suited to prevent it is irrelevent----your argument seems to be that what the government runs is well-run. Mine is the opposite, and I do not want the feds involved in selling healthcare, requiring me to buy healthcare and fining me if I do not. It is a slippery slope.
|
|
Abides
|
|
|
11-23-09 2:36 PM
|
RangeRover - First, let me congratulate on your lifelong positive expereince with your affordable private insurer. Your experience is unique to the point of being singular. I don't want to nitpick, but I will take one of your points; and so secondly: Just take a WILD guess as to how many tons of peanut butter are produced and injested daily in this country. What fraction of that vast amount is unsafe? Now how much of that would be unsafe if the industry was left to self-regulation with no oversight from the USDA and FDA? I apologize for being insultive, but it really is apparent that your understanding of macroeconomics and public policy is informed soley by anecdote and Limbaugh.
|
|
rangerover
|
|
|
11-23-09 2:28 PM
|
localmom-----I agree. There is common ground that can be found on any topic. I just don't want to see people who say "why should I work when the government will buy me health insurance?"
|
|
LocalMom
|
|
|
11-23-09 2:26 PM
|
In this ongoing debate about national healthcare, don't forget the local angle that sparked it. "The WUPHAC provides medical service for people who have income but don’t make enough to pay for insurance." These are OUR people, and we have to take care of them. Leaving them to fall victim to rising health costs, or to risk not being able to even get in line at a hospital because they cannot afford it, is unconscionable.
|
|
rangerover
|
|
|
11-23-09 2:00 PM
|
abides---I am not advocating doing nothing. Like I said, I agree that healthcare needs help. I just don't agree that the government running it is the help it needs.
|
|
rangerover
|
|
|
11-23-09 1:58 PM
|
abides-----are you serious? How many flights take off and land on time? Look what just happened at our own airport, when the local community was ignored and a different carrier was put in. And our food----OK--spinach, peanut butter, and what else has killed people in the past couple of years. Oh yea---beef. Yes, we can drive anywhere but the gas taxes to support the roads keep going up and up but the roads don't improve. I drove over the I-35 bridge in Minneapolis two days before it collapsed. Farmers are paid to NOT farm. I have many family members who are life long farmers and they succeed in spite of the government. Go ask any farmer. The post office is almost bankrupt, yet the cost of mailing goes up every year or two. Shall I go on? Has the 'war on poverty' eliminated poverty? It should have, it has been going on for over 40 years.
|
|
Abides
|
|
|
11-23-09 1:55 PM
|
That would be the -Cuyahoga River-. (Which was ablaze with petrochemical and other wastes. It was a man-made disaster that spurred landmark Clean Water Act legistlation). It's easy, RangeRover, to tally the costs of doing something. It's not so simply to know the cost of NOT doing something. So, yeah, maybe it cost be about $150 to fix my brakes - but did I lose that money? Or am I ultimately saving by not ramming by car into a tree?
|
|
Abides
|
|
|
11-23-09 1:49 PM
|
RangeRover - Well let's see. there are over a million flights per year, but thanks to the US Government's FAA there are less than 500 air-travel fatalities ever in a year. That's a successful program. Millions of tons of food a year - but our food supply is safe, thanks to the succesful FDA. Maritime safety - the successful USCG. I can drive from here to California to Miami - thanks to our roads (DOT). Thousandsxsthousands of people have a roof over their head thanks to FHA, and thousands of farmers have soil to tend thanks to USDA (who incidentally maintain our forests). My letter to grandma arrives in days for under 50 cents (USPS). I don't see polio or small pox (HHS). Ohio's Cuyahoga isnt' on fire (EPA).
|
|
rangerover
|
|
|
11-23-09 1:41 PM
|
lostmyshovel-----------you mention a common ploy by the left about health care-----how many people do you know that have lost their health insurance because they got sick? I have never once met anyone that had that happen to them. Did you know that in Michigan Blue Cross is required by law to accept everyone? Blue Cross can not decline you because you are sick, now can they dump you for the same reason. In fact, the only reason Blue Cross can dump you is that you did not pay your premium or you lied on your application. Look it up.
|
|
rangerover
|
|
|
11-23-09 1:34 PM
|
lostmyshovel and localmom---I have to agree with abides. Localmom---be very careful how you compare our system to Canada. I invite you to go sit in any waiting room at Mayo's in Rochester and talk to the many, many Canadian citizens there who are thankful that they live close by. Their system is in shambles. Waits for simple vaccinations for kids are 6-12 months. If a lump is found on a mammogram it takes over 10 months to get to a Dr. And by the way---we got a clue about Gov't run healthcare last week with the new mammogram and pap smear guidelines. Do you think that once gov't healthcare takes over that they will pay for a 44 year old with family history of breast cancer to have a mammogram? We are for healthcare reform too. More than one way to do it. Stop the stupid lawsuits so Dr's don't have to pay over $100,000 /year for malpractice insurance. They just pass that on to us anyway. Let us buy across state lines. Have incentives for healthy lifestyles.
|



