If you can’t afford health insurance … three ways to get help

© Sherry Young - Fotolia

© Sherry Young – Fotolia

Health insurance costs a lot — family coverage costs more than $1300 per month. Most people can’t afford that. In other countries, the government provides health insurance. Not here. So what can you do to get help paying for health insurance? Continue reading

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Cheating schools, students and taxpayers

© nikkytok - Fotolia.com

© nikkytok – Fotolia.com

What’s next after Minneapolis Public Schools terminated its $375,000 contract with Community Standards Initiative? The Star Tribune’s Alejandra Matos reported in detail on the story back in September, and nothing has happened since then to make MPS or CSI look any better.CSI, led by Clarence Hightower and Al Flowers, still has the first $46,000 payment — so the taxpayers are out that money. Going back a few years and looking at other contracts makes MPS look event worse.

In an open letter, a new group named Black Advocates for Education last week asked “how many other similar contracts have been approved over the last several years behind closed doors and without a transparent process.”

Quite a few, would be my guess.

Donald Allen has been charging for years that MPS gave the Urban League and Front Street Marketing a sweetheart deal in 2008. That $103,000 contract awarded while Clarence Hightower was president of the Minneapolis Urban League. That contract also didn’t turn out so well.

Allen knows about sweetheart deals, because MPS awarded him a no-bid contract in 2011, which was another fiasco.

I know how difficult MPS made it to get any information on their contracts back in 2011, because I was the editor for Sheila Regan’s 2011 series in the Daily Planet. Perhaps in response to the criticism back then, MPS rolled out a new contract policy — which provided for less oversight and less transparency, making it even harder to track who was getting contracts. Here’s how Regan described it:

Under the new system, as described by [Chief of Policy and Operations Steve] Liss, the school board is only responsible for approving contracts over $100,000, or building contracts for over $500,000. Previously, they needed to approve contracts over $5,000. These were typically included in each month’s consent agenda, which the district staff presents to the board for approval without discussion.

Under the new system, the managers of the various departments will be responsible for seeking RFPs for any contract over $50,000.

It’s possible that the policies have changed since 2011, but shouldn’t a $375,000 contract require an RFP and competitive bidding? Especially when the contractor — Community Standards Initiative — had no track record at all?

As Regan reported back in 2011, contracts are typically put on the consent agenda and approved by the school board without scrutiny or question. The contract approval process is confusing, contradictory and not at all transparent.

Chris Stewart, who was a school board member back in 2011, tried at that time to get some accountability and to block at least one bad contract. Instead, MPS did a sneaky end run and got it approved under another name. It’s all there in the Daily Planet series — Strange bedfellows and Contracts and transparency in Minneapolis Public Schools and Foot-dragging on public information.

Stewart and University of St. Thomas law professor Nekima Levy-Pounds were among the eight people signing the open letter from Black Advocates for Education. They also asked for an investigation of “disturbing allegations about our elected, appointed, and self-appointed leadership in Minneapolis.” That’s got to include the MPS administration, MPS school board, Senators Bobby Joe Champion and Jeff Hayden, as well as Flowers and Hightower.

As the letter points out, there’s an even bigger issue here than adult shenanigans and wasting taxpayer money:

“It is a crying shame that while adults play political games for self-enrichment and to increase their personal influence, Minneapolis students are suffering and their potential is being stifled.”

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Citizenship Day comes to Lake Street

Screen Shot 2014-10-12 at 9.12.26 AMAnti-immigrant critics who complain that, “They don’t want to learn English and become citizens” should see the action at CLUES. The Lake Street office bustled with activity on October 11. About 30 immigrants and lots of volunteers showed up for Citizenship Day, ready to complete the 21-page application and move on to filing. Continue reading

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I’m on Al Jazeera

Today’s article:  New right-to-farm laws protect Big Ag, not small farmers

“The new wave of state right-to-farm laws is meant to stop environmental regulation and animal rights activists and protect industrial-scale agriculture. Across the country, supporters of right-to-farm laws are demanding that there be no restrictions on fertilizer use or animal antibiotics — even when they are used solely for growth stimulation and create human health problems — and no limits on puppy mills or crowding and caging of farm animals. These laws threaten not only the environment but also the continuation of traditional and family farming.”

Click here to read the whole article!

And, in case you missed it, here’s an earlier post, also published on Al Jazeera:  US embrace of Cuban refugees underscores hypocrisy on immigration (August 26, 2014)

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What you need to know about health insurance bills, networks and tiers

© John Takai - Fotolia.com

© John Takai – Fotolia.com

I couldn’t believe the bill — $447 for a single office visit. Even worse, the bill said my share was $168. I thought my deductible was $75, so that seemed like too much. As I always do when faced with puzzling bills, I called the insurance company.

This is the one of a series of articles on understanding health insurance. Click here for all of the articles. This series covers basics — exceptions and complications go beyond the basics.

Decoding the bill

The woman on the help line patiently went through the bill. Continue reading

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Putting together the puzzle: Deductibles, copayments, co-insurance, out-of-pocket limit

puzzle © Ionescu Bogdan - Fotolia.com

puzzle © Ionescu Bogdan – Fotolia.com

Cathy’s son was born with a heart defect that needed immediate surgery and then continuing expensive care as he grew up. She told her story on #getcovered:

“My husband and I … both had good jobs and insurance and figured that meant that we would be all set should we ever need it. We soon learned, however, that like so many Americans, we were underinsured: we had coverage–it just didn’t really cover anything when it came to the care our son needed to save his life.”

This is the one of a series of articles on understanding health insurance. Click here for all of the articles. This series covers basics — exceptions and complications go beyond the basics.

Wait — they had health insurance, and it still didn’t pay for her son’s medical care? That’s right. Cathy and her husband ended up maxing out their credit cards and eventually going bankrupt to pay for their son’s medical care. Continue reading

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What does health insurance cover?

© Remains - Fotolia

© Remains – Fotolia

Last year, I paid $30 for my flu shot. This year, I’ll pay nothing, as long as I go to my own clinic or one of dozens of others approved by my health insurance company. That’s one of the changes made by the Affordable Care Act (Obamacare).

The Affordable Care Act (Obamacare) requires insurance policies to cover ten basic areas: Continue reading

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New sanctuary movement challenges consciences

Beatriz Ramirez and her two young children moved into Chicago’s Our Lady of Guadalupe Mission in September. Rosa Robles Loreto has lived in Tucson’s Southside Presbyterian Church since August. In Philadelphia, the Indonesian Mennonite Philadelphia Praise Center and the Jewish Tikkun Olam Havurah stand ready to welcome immigrants seeking sanctuary. They are part of a new sanctuary movement, with religious groups from Maine to California committing to shelter immigrants in danger of deportation. Besides offering sanctuary to immigrants, they challenge the country’s leaders to change harsh and punitive immigration laws. Continue reading

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Beyond the premium: What will you really pay for health care?

© phasinphoto Fotolia.com

© phasinphoto Fotolia.com

In 2013, Chris had inexpensive health insurance. His premiums were only $200 each month. That sounds pretty good, especially since average premiums for a single person are more than $400 per month.

This is the one of a series of articles on understanding health insurance. Click here for all of the articles. This series covers basics — exceptions and complications go beyond the basics.

Trouble was — Chris’s actual health care costs were a lot higher. Besides paying the premium, he had to pay $3,000 of medical costs out of his pocket before the insurance paid a dime. Premiums are just one of the costs to look at when you buy health insurance. Continue reading

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Non-profit boards and rotting fish

Photo by Midquel, published under Creative Commons license. FFI - https://www.flickr.com/photos/39151655@N00/191432293

Photo by Midquel, published under Creative Commons license. FFI – https://www.flickr.com/photos/39151655@N00/191432293

“A fish rots from the head down,” according to an old saying. The state shut down Community Action of Minneapolis (CAM), and executive director Bill Davis needs a good defense attorney, but the “head” of this and other non-profit organizations includes the board of directors. Even though CAM is dead, the problems that brought it down continue in other non-profit organizations. Continue reading

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