Tag: Arizona
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Fearing New Law, Arizona Immigrants Forego Health Services
-It was early on November 27, her daughter’s birthday, when Ana got the call from a social worker.
“Are you in the country legally?” the person asked.
“No, I’m undocumented,” Ana replied. She had applied for health insurance for her children, both U.S. citizens.
The worker paused for a moment and then informed Ana that under a new Arizona state law she would have to report her to immigration authorities, although she did not want to.
Since the law was passed last month an estimated 700 individuals who applied for public benefits have been reported to federal Immigration and Customs Enforcement (ICE), according to ICE. It is unknown how many were applying for public benefits that their U.S.-born children are entitled to.
“I dug my own grave, but I wasn’t asking something for me, it was for my kids,” said the woman, 31, who asked that her real name not be used.
After they celebrated her daughter’s birthday, Ana and her family picked up and moved out of fear that immigration officials would come looking for them. Now, they all share a room at a neighbor’s house.
As stories like Ana’s spread in Arizona’s immigrant communities, the climate of fear is growing. The law’s impact is having a chilling effect on the provision of health services for a population of children and women that is already underserved. About one third of Arizona children have immigrant parents, according to a recent Pew Hispanic Center survey.
Children of undocumented immigrants are less likely to have health insurance than those born to legal immigrants or U.S. citizens. In 2007, nearly half of the children born to unauthorized immigrants were uninsured and 25 percent of those who were born in the United States were uninsured.
The new law’s impacts are emerging just as healthcare officials are urging undocumented people to get immunized against the H1N1. Meanwhile, implementation of the new law by state agencies is characterized by confusion.
“The situation is explosive. If the H1N1 virus reaches people and they are not going to the doctor or receiving services, what will happen?” said Alfredo Gutiérrez, editor of La Frontera Times and a former Democratic senator.
Ana had provided the state Department of Economic Security (DES) with all her information in an application for AHCCCS (Arizona Health Care Cost Containment System), the state subsidized insurance program. Under, the new law, HB 2008, DES employees are required to report anyone who is illegally in the country and tries to apply for public benefits.
The immigration status of a parent applying on behalf of a child is not supposed to keep the child from receiving the benefit, according to DES.
Ana believes the DES worker inquired about her status because she gave information about her husband’s employment and his real social security number. The number issued by the Social Security Administration was given to him when he was younger, so that his father, who is a legal permanent resident, could claim him as a dependent. But it doesn’t authorize him to work.
DES does not ask about people’s immigration status when they complete an application, but nothing in the rules indicate that their employees cannot inquire about it. Workers must file a report if someone admits to being in the country illegally.
Employees who don’t do that could face fines, lose their job and face up to four months in jail.
Undocumented immigrants like Ana wonder if immigration authorities will come looking for her. That depends on Homeland Security’s priorities, as set by Sec. Janet Napolitano. As Arizona governor, she opposed measures similar to HB 2008. ICE spokesperson Vinnie Piccard said his agency has improved the reporting system for state agencies in light of the new law.
“ICE will evaluate referrals to determine the individual’s immigration status and criminal history,” he said. “Top priority is given to aliens who pose the greatest threat to public safety, such as those with prior convictions for major drug offenses, murder, rape, robbery and kidnapping, burglary and other serious property crimes.”
But that doesn’t clarify matters for employees of Arizona agencies facing a new law and federal requirements to serve anyone regardless of immigration status. They are caught between a rock and a hard place.
“Everybody is afraid of the perception that they’re not complying with the state law,” said Tara McCollum, director of government and media relations for the Arizona Association of Health Centers. “Our centers are struggling with how to comply and still serve our patients.”
McCollum said the 16 centers and their 140 sites serve a large number of undocumented immigrants and have seen a patient drop off, fewer people going to get immunized and cancellations because of the fear.
“This is very sad because a lot of women are not receiving pre-natal care for their babies,” said McCollum. “There are people who desperately need healthcare and are not getting it.”
The centers are independent not-for-profit agencies that receive federal grants and some state funding. But they claim they should be exempt from the reporting requirements because they are meant to be a safety net mandated to provide services to anyone regardless of immigration status.
AAHC awaits a legal opinion by State Attorney General Terry Goddard on the impact of the law and whether the center will be required to report their clients.
The centers serve about 20 per cent of the uninsured population in Arizona. Often they’re the only option in rural areas.
“This is why this so problematic for us,” said McCollum. “These people don’t have any other choices,”
Among them there are women like Guadalupe, 29, who is two months pregnant but hasn’t visited a doctor. Her husband is legally in the United States but can’t afford to pay insurance for her second pregnancy in 10 years.
“It was an accident, we didn’t plan it,” said Guadalupe, who asked that her real name not be used because she is undocumented.
That’s part of the reason she doesn’t want to apply for emergency health care services she is entitled to under federal law.
“I never asked anything of the government, and my husband pays taxes,” she said. “With the new laws they have in place, you’re automatically a criminal.”
Guadalupe said she believes abortion is wrong but fears that will be her only choice. A regular delivery could cost her $5,000 at a local hospital.
Rosie Villegas-Smith, director of the anti-abortion group Voces Por La Vida, has been in touch with women like Ana. She’s worried that many of them are not applying for an emergency services card, provided by AHCCCS, which would help them get pre-natal care.
“Republicans say that they’re pro-life, but they don’t realize that this affects those who are most vulnerable, like pregnant women,” said Villegas-Smith.
The Arizona Department of Health Services (ADHS) has received questions from politicians regarding pre-natal care under this new law.
“We feel we were already in compliance with this bill,” said Duane Huffman, chief legislative liaison for ADHS, who acknowledged the confusion regarding the new law.
HB 2008 doesn’t directly affect emergency services, immunizations, and Woman and Infant Care (WIC), a nutritional service. While there are concerns, programs like WIC have not reported a decrease in applicants, said Huffman.
But immigrant advocates think the law’s negative impacts are real and intentional.
“This law was designed to generate panic and for people to self-deport,” said Antonio Velazquez, director of the Maya-Chapin organization, which represents over 3,000 indigenous Guatemalans in metropolitan Phoenix. “But the truth is that they don’t have the funding or the personnel to enforce it.”
Proponents of HB 2008 argue that it was necessary to stop undocumented immigrants from fraudulently receiving welfare and healthcare insurance.
In a recent column published in the East Valley Tribune, Republican State Senator Russell Pearce claimed that undocumented immigrants receiving public benefits are one reason the ACHCCS budget has increased.
But AHCCCS statistics reveal few cases of fraud in the application process. In fiscal year 2009, the AHCCCS fraud unit investigated 215 cases, but there’s no break down of how many were related to undocumented immigrants. In 2009, the state insurance program grew by 214,000 new members. Before the new law, AHCCCS already had a system in place to check eligibility requirements, which include U.S. citizenship or permanent legal residence for at least five years.
“We are turning everybody into immigration agents,” said attorney Isabel Garcia, director of the Coalición de Derechos Humanos, a human rights organization in Tucson, “when the reality is that immigration is a complex area of the law.”
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Tips for Getting Health Insurance Quotes in Arizona
Getting free health insurance quotes online has made the process of getting health insurance very easy irrespective of location let it be Arizona, Texas or California etc. There has been a huge surge in the number of people in Arizona looking for health insurance. This article will help them to get a good and low cost health insurance coverage.
Lets look at the three easy yet important tips that you need to be aware of that can lower your health insurance premium by almost 30%
1. Before you decide on contacting someone to get an affordable health insurance quote for you, spend sometime and decide what kind of health insurance coverage in Arizona are you looking for. This is simple but very important. Decide what all benefits that you want. Do you want travel insurance? Do you want HMO? Do you want dental coverage? What is the maximum deductible you are ready to pay? What about Copay? etc.
The details for all these questions will help you in better prepared when you actually start inquiring for health insurance quotes in Arizona and you will not get confused when you are asked to provide information on these points.
2. Understand your health condition. If you are in better health, you can consider paying high deductible and high copay. This will keep your premiums lower. In Arizona, by a higher deductible, you can save as much as $500 per person on yearly health insurance premium.
3. This is the most important Tip!! Get quotes from multiple insurance carrier. You may be amazed to find that for same policy and benefits, the difference in premium asked by two insurance companies can be as much as $350 per month per person. Just imagine how much you can save!!
There are some good websites where you can get quotes from multiple health insurance companies in Arizona for free. The entire process doesn’t take more than 5 min. All you have to do is provide your basic information such as city in Arizona where you stay, age, gender etc. For more information on how you can get free health insurance quote in Arizona, visit EasyToInsureME..f you are choosing to go to a broker, then also I suggest you to get these free quotes so that you have an idea how much is it going to cost you. This will ensure that your broker doesn’t take you for a ride!
Like I mentioned, the above mentioned tips are very straightforward to implement. Follow these suggestions and you will find that you can save a lot of money on your next health insurance quote in Arizona.
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Help Yourself Find Cheap Health Insurance Companies in Arizona
If you talk to most Arizona residents about cheap health insurance companies they’ll look at you as if you’re crazy. The very idea of cheap health insurance seems ludicrous to most people, especially when more than 50% of all Arizona residents who have health insurance report that they can barely afford to pay the premiums as it is. Fortunately there are several things which most people fail to take into consideration that could reduce the cost of their health insurance significantly.
A very simple thing that most people overlook is to pay their health insurance premium automatically every month from their checking or savings account. If your insurance company doesn’t have to mail you an expensive bill every month they pass the savings along to you.
If you don’t see your doctor often during a normal year, then why not increase your co-payment from the standard 25% to 50%? It will save you around 20% a month on the cost of your premium and should save you money in the long run.
What about your deductible? Can you afford to increase it? Obviously this is a question that you’ll have to consider carefully, but the higher your yearly deductible the lower your monthly premium payment is going to be.
If you’re serious about reducing the cost of your health insurance then you are going to have to be serious about not smoking or using chew or any other tobacco product. You simply will NOT get the cheapest price for health insurance if you smoke or use chew. Period.
If the cost of health insurance is still too high you might consider opening a Health Savings Account, especially if you are generally healthy. A Health Savings Account, also known as an HSA is a special savings account that you fund with cheap tax-free dollars. The catch is that you can only use the money in your HSA to pay for your medical needs during the year. Because the money in your HSA is tax-free it is equivalent to saving approximately 25% on your health needs.
Another advantage to an HSA is that if you do not use all of the money in your account in a given year then the balance rolls over into the next year, which would allow you, over time, to build up a nice tax-free nest egg.
As part of your HSA account you will be required to buy a very low-cost high-deductible health insurance policy. These cheap health insurance policies have a deductible so high that in a normal year they will not pay even a penny toward any of your health care needs – that’s what your tax-free savings account is for.
What these cheap insurance policies do is they act as a safety net to shield your life savings and even your home itself from an unexpected catastrophic accident or illness which results in enormous medical bills which otherwise could have wiped out everything you own.
There is one last thing you can do that will save you a bundle on your health insurance, and that’s to buy your policy online. In today’s world you would have to be crazy not to buy your medical insurance online since online insurance sellers offer their products at such deep discounts.
One of the tricks to finding the most affordable policy online is to make sure that you check out the prices on several different health insurance price comparison websites rather than relying on the results that you find from just one site.
But once you’ve made all of your comparisons then the fun really begins as you simply choose the cheapest health insurance company in Arizona and know that you are saving a ton of money every year while still getting the health insurance that you and your family need.
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Online Application | Arizona Diamondbacks® Extra Bases® Credit Card
The Arizona Diamondbacks® team logo can now be featured on the Major League Baseball⢠Extra Bases⢠Credit Card issued by Bank of America. (www.diamondbackscreditcard.com ).  This rewards credit card is scoring big with avid baseball fans and credit card consumers across the country. Like many department stores, colleges and airlines have done for decades, Major League Baseball⢠teams are now being displayed on consumer credit cards. These sports oriented rewards credit cards — a great way for fans to express their undying team loyalty —  are proving to be a home run in the credit card industry.
Features offered by the Major League Baseball⢠Extra Bases⢠Credit Card from Bank of America include:
â¢Â          No annual fee.
â¢Â          0% introductory Annual Percentage Rate (APR) on balance transfers and cash advance checks for your first 12 billing cycles.
â¢Â          Earn 1 point for every net retail dollar spent redeemable for MLB⢠autographed memorabilia, once-in-a-lifetime MLB⢠experiences, cash rewards and travel with no blackout dates.
â¢Â          Get an official MLB⢠licensed jersey after your first qualifying transaction(s) using your MLB⢠Extra Bases⢠credit card.
During a period of economic instability, uncertainty in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant â sports fans are crazy about Major League Baseball. Historically, baseball has given the public something to believe in and something to hope for, particularly during difficult economic times.  With the MLB⢠Extra Bases⢠credit card, Diamondbacks fans can be reminded of their favorite team every time they take out their wallets. Real fans carry the card with pride. Visit www.diamondbackscreditcard.com to complete the credit card application online in a few short minutes.