Obama Insurance Mandate For Parents Exciting Faith Based Adoption Agencies

In Nebraska, a loophole in a newly changed law intended to provide safe havens for infants born to teenage mothers has had the unintended consequence of allowing parents of children of any age to legally abandon them. Legal abandonment has long been the insurance of last resort for parents of chronically ill children forced to buy insurance on the individual market. But now even healthy children are being abandoned.

Enter Nebraska, where a well intentioned legal change has illustrated the difficulty of preserving families when jobs disappear.

Parents of even healthy children who might have been able to care for children are leaving children as old as 17 at designated child abandonment safe havens. Not wanting their children to starve, living in cars, etc, many have been giving their children up to become wards of the state, where they can receive health insurance, dental care, and food.

Enter President Elect Obama. Obama has promised to "change" healthcare in 2012 while keeping the expensive insurance companies in the loop, mandating parents to "insure" their children, making it affordable by giving them the "choice" of buying high deductible health care plans or capped plans, if that is all they can afford. (They are supposed to put the thousands of dollars they are saving in tax free medical savings accounts so that when bills come, they will be ready, however, few people have the money. Also, IF they even momentarily drop coverage for a sick child (for example, are 15 minutes late with a payment) and get sick during that time, they will be dropped and not be able to buy insurance again. Also, many parents will not be able to afford individual insurance for their children if their chldren have chronic diseases because the insurance companies quoted profitable "fair price" will be based on their very small group, and priced by its risk. If one member of a family sized group has high risk, the fair price is a high price.)

Some "choice"! High deductible health plans will leave parents struggling with hundreds or thousands of dollars in unpaid bills before they reach deductibles, and all expenses over lifetime or monthly or yearly caps. People will see bills that represent costs that they are not able to cope with. This will lead to an epidemic in child abandonment.

No efforts will be made by individuals fighting for their survival against the system, each alone and isolated. No realistic government efforts will be made to contain costs, as are done with Medicare.

This will lead to a boon for faith based adoption agencies as children are given up by their desperate birth parents.

During the Bush years, many churches have become involved in "facilitating" adoptions of poor children, sometimes children involuntarily taken from irresponsible poor mothers unable to pay bills for their housing or often, maternity costs of hospital stays. If they give their child up for adoption, their bills are often paid. According to the Kaiser Family Foundation, the bill for an unusual or difficult pregnancy can be as high as $126,000.

This is a huge debt for a young girl. Changes to bankruptcy laws have made it much harder for people to discharge debts through bankruptcy. Women are often offered money to relinquish all rights to children. Also, homeless parents are often prosecuted for child endangerment or irresponsible parenting and their children are taken away. Although they are told that Child Protective Services will make an effort to keep siblings together, it is only in about a quarter of cases that this actually is possible. Often children are brokered to parents in different states, not unlike the experience of indentured servants or slaves arriving in America. Adoption confidentaility laws make it very hard for children to find their siblings later on in life. Churches make approximately $40,000 per child.

What do you think about mandating parents to insure children no matter what the "fair price" turns out to be? Bear in mind that if they lie about the childrens health in order to get them covered they may be forced to repay any money paid out to doctors under false pretenses by insurers, retroactively, and may lose coverage. That is one of the benefits of Medical IT, making sure that people's medical histories and those of their parents and gransparents are available to health insurers so they can make informed decisions. Obama strongly supports Medical IT because he says that it will reduce the cost of health insurance. Insurers say that they must be allowed to decide who to cover and who not to cover. That choice is a cornerstone of the free market.

Tags: adoption, adverse selection, baby selling, Change, child abandonment, choice, cost shifting, faith based initiatives, human trafficking, legal abandonment, mandate (all tags)

Comments

8 Comments

Re: Obama Insurance Mandate For Parents Exciting F

Woot!  Another "Obama doesn't care about progressives" diary!

by the mystical vortexes of sedona 2008-11-11 07:47PM | 0 recs
Re: Obama Insurance Mandate For Parents Exciting F

With a bonus 12 page poll!  W00t!

by fogiv 2008-11-11 09:28PM | 0 recs
Re: Obama Insurance Mandate For Parents Exciting F

But no ALL CAPS, so I don't know where to start reading!

by username 2008-11-12 02:24AM | 0 recs
Obama the 44th American President
Roaring victory sounded off throughout the world as they announced America's next Commander in Chief. Congratulations, Mr. Barack Obama on becoming the 44th President of the United States. Your endurance is beyond admirable, as you have come to the end of your 22-month campaign, emerging with victory. If you thought the campaign was rough, wait until you actually dive into the issues that await you with the American economy. You have new policies that will really threat you in much controversy! In actuality, your journey has just begun. You have proposed a number of different stimulus packages in recent weeks regarding the financial system and we all know our ailing economy must be stabilized. We are waiting for a good change not for us to see that the country is getting worst. The two targets that will most likely score you points on both sides are your ideas about temporarily exempting the unemployed from having to pay tax on their unemployment benefits and temporarily exempting seniors from having to make annual withdrawals from their IRAs and 401Ks after age 70 . Yet, the largest issue should be keeping the bailout/credit repair that Bush started on track. You must stem the tide of real estate foreclosures and change the outlook of financial regulation, making it "more transparent." At this point, Mr. President-Elect you already have a wide range of tough work cut out for you. Oh, but for those good old carefree campaign days. Click to read more on Payday Loans http://personalmoneystore.com/moneyblog/ what-are-payday-loans-2/
by lisap 2008-11-11 08:38PM | 0 recs
Not financial reasons

I am pretty sure parents are abandoning teenagers because they are having trouble dealing with them on an emotional or behavioral level, not because they can't afford them.

One set of grandparents left a 14-year old girl before changing their mind.  They did it to "teach the girl a lesson."

From CNN: "A woman who dropped her 15-year-old nephew at a Lincoln, Nebraska, hospital told CNN affiliate KETV last month that she and the boy's guardian could no longer handle his behavior problems."

"The Omaha man who left his nine children, ages 1 to 17, at Creighton University Medical Center was overwhelmed by the sudden death of his wife after the youngest child was born, he told KETV."

http://www.cnn.com/2008/US/10/08/nebrask a.safe.haven/

This country is not making available the care that children and parents need, but let's not pretend these are anything other than parents that are overwhelmed in a non-financial way.  

by ProgressiveDL 2008-11-12 03:04AM | 0 recs
Five responses.. and..

not a single word to address the issue I brought up, healthcare affordability for the chronically ill, especially children of poor parents, in this case.

by architek 2008-11-12 03:34AM | 0 recs
Re: Five responses.. and..

Well, I have my own doubts about Obama's health insurance program.  I don't think it is universal enough and I don't think it is cost effective the way he has described it.  That being said, tying it into the safe-haven law is not logically sound.  For the most part, the two are unrelated.

by ProgressiveDL 2008-11-12 03:37AM | 0 recs
Re: Five responses.. and..

I suggest you hold you outrage until something is submited.  Be patient and remember there are lots of complimentry programs out there that would help those low income parents.

by gil44 2008-11-12 08:20AM | 0 recs

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