You Don’t Know What You Got . . .

Student Insurance . . . plus SHAC is available, too.

Student Insurance . . . plus SHAC is available, too.

By: Theo Burke

As I graduate, besides memories and friends, I am leaving behind the awesome Portland State student health insurance. I’ve written about this before, now I’m experiencing the difference.

Since I don’t know what job is coming down the pike or what kind of health insurance it might carry, I’ve applied for individual insurance through Cover Oregon, the state exchange that sells private health plans (with federal subsidies to help pay the premiums) under the Affordable Care Act, or “ObamaCare.” The state exchange will alternatively sign you up automatically for the state’s Medicaid program (the Oregon Health Plan) if you qualify.

In the real world, I will have to think more about the deductible. A deductible is an amount you pay each year (usually $250 – $1000 or higher) before any benefits are paid by your health insurer.

At PSU, the deductible was $0.00.

My present doctors might not be covered by a new insurance company. At PSU, the Aetna provider network was vast.

I will have to worry more about whether alternative care is covered. At PSU, naturopathic doctors are treated the same as primary care doctors, and chiropractors are covered up to twelve visits per year.

Weirdly enough, when I heard from Cover Oregon recently, they put me in the Oregon Health Plan, even though I reported enough income to disqualify me from that program. Now I will have to figure out the Medicaid ”world,” which works much differently than the private insurers’ system, or else contest my placement in that program with Cover Oregon.

Students, the PSU plan won’t throw you such curve balls. You have an awesome, generous health plan, and you should take advantage of it before you graduate. As I’ve said before, you don’t know what you’ve got, until you lose it.

America – SHUTDOWN

Are we really, "Closed for Business"?

Are we really, “Closed for Business”?

There is no one reading this that has not heard that our U.S. Government is, “SHUTDOWN”.

As of midnight on October 1, 2013, the U.S. Government went into shutdown mode because Congress could not agree on a budget for fiscal year 2014. It has occurred 17 times in the past, but this time it is different- and it will affect some students at PSU.

Because of the Affordable Care Act, ACA, which was put into law on March 23, 2010, PSU stepped up and revised its existing health insurance plan. The school is now offering a very comprehensive and affordable health care package benefiting many students. But some members of Congress do not like this law, ACA, and have made it a priority to have it repealed. They do not wish to approve a national budget unless the ACA is repealed. President Barrack Obama has refused to compromise with them and considers this action to repeal this important and existing law, “Unacceptable”. Thus, the government is in stalemate and our government in a shutdown mode.

Because of the current government shutdown many federal agencies have to furlough federal employees because they no longer have the money to pay them. Over 800,000 federal employees are being laid off now. Included in this are many employees of the Veterans Administration. This is the agency, which takes care of our veterans in terms of health care, educational assistance and disability payments. PSU students who are veterans and using educational assistance via the V.A. may have their benefits cut or even stopped until this shutdown is resolved.

This event is unique in our history. Congress has never before failed to pass a budget with the sole reason, “We don’t like this existing law. Repeal it- or we will not allow our government to function.”

In times past the government has shut down for a variety of reasons, a new bill before Congress, arguments over how the government spends its money (our money), etc. But it has never before gone into shutdown over an existing law.

Let us hope our Congress and our President can resolve their differences. Arrive at a compromise where our government does not have to, SHUTDOWN. And PSU students will continue to get excellent healthcare from the school and our veterans, who have given so much for this country, can once again receive the financial benefits due them.