Connect with us

Mississippi Today

New Biden administration rule would ban medical debt from credit reports

Published

on

Originally published by The 19th

Vice President Kamala Harris on Tuesday announced a new effort to ban medical debt from credit reports, something that would ease a burden that falls most heavily on women and Black people.

“Medical debt makes it more difficult for millions of Americans to be approved for a car loan, a home loan or a small business loan, all of which in turn makes it more difficult to just get by, much less get ahead, and that is simply not fair. Especially when we know that people with medical debt are no less likely to repay a loan than those without medical debt,” Harris said. “No one should be denied access to economic opportunity simply because they experienced a medical emergency.”

Federal efforts to remove medical debt from credit reports began last fall after Harris announced that the Consumer Financial Protection Bureau (CFPB) would take the first steps to create rules that would take medical bills off credit reports, prohibit creditors from using medical bills to make underwriting decisions and ban collectors from using medical debt to pressure consumers to make payments. These proposals would narrow the 2005 exemption in the Fair Credit Reporting Act, which allowed creditors to use medical debts in underwriting credit decisions. Creditors would still have the ability to access medical debts and bill information in certain instances, such as to evaluate loan applications for medical services.

Other federal efforts to curb medical debt include the No Surprises Act, which took effect in July 2022 and requires private health insurers to cover most emergency services, emergency care and non-emergency in-network services and prohibits medical providers from billing patients more than in-network cost sharing.

The rule change could lead to more people being able to borrow money, as CFPB Director Rohit Chopra said it would give lenders more accurate and predictive information about borrowers.

“The 15 million Americans who would benefit from this credit reporting change would see their scores rise by an average of 20 points. … For mortgages alone, we estimate that this could lead to approximately 22,000 additional home loans each year,” he said. “Our action today is an important step toward reducing some of the unnecessary costs of getting sick in America.”

According to a senior administration official, this rule would include historical medical bill information and dental debt.

Other federal efforts to curb medical debt include the No Surprises Act, which took effect in July 2022 and prohibits surprise billing for most emergency services and non-emergency services done out-of-network.

The nationwide credit reporting agencies, which are Equifax, Experian and TransUnion, removed medical debt under $500 from consumer credit reports as of April 2023. However, this April, the CFPB released research that found 15 million Americans still have medical debt on their credit reports — particularly those in the American South and low-income communities. A March 2022 report from the CFPB found that Americans were harboring $88 billion in medical debt.

A KFF Health Policy Research analysis published this year based on the 2021 national Survey of Income and Program Participation found that 20 million people owed a collective $220 billion in medical debt. The analysis found that 13 percent of people with disabilities reported having medical debt, compared with 6 percent of those without a disability. It also found that non-Hispanic Black people carry more medical debt than other racial and ethnic groups, and women carry more than men. A separate analysis found that 14 percent of people who gave birth within the last year and a half reported having medical debt, compared with 7 percent of those who did not.

“Since we know that Black adults and women are more at risk of having medical debt, then I would expect this policy would benefit those groups,” said Cynthia Cox, KFF vice president and director of the foundation’s Program on the Affordable Care Act, which examines health care coverage costs, affordability and accessibility.

Undue Medical Debt, the nonprofit formerly known as RIP Medical Debt that contacts hospitals and health care systems requesting that they sell or donate portions of patients’ debt, and Perry Undem, a nonpartisan public opinion research firm, surveyed over 2,600 adults in August 2023, 229 of whom were Black women. Among Black women, 27 percent said they have delayed or said no to health services out of concerns over acquiring medical debt. A study from the American Cancer Society published in March suggested that “medical debt is associated with worse health status, more premature deaths, and higher mortality rates at the county level in the US.”

In 2022, YouGov, a research data and analytics technology group, reported that 66 percent of Americans supported government relief for medical debt. Eva Stahl, the vice president of public policy and program management at Undue Medical Debt, attributes this support to the fact that it can impact anyone.

“It’s not a debt of choice, it’s a debt of necessity. Because there’s a general consensus about that, it’s not really a partisan issue,” she said.

Stahl said they have gotten interest from legislators across the nation, even in the South, with some jurisdictions in Texas and Kentucky showing interest in erasing residents’ medical debt. Some state-level efforts to erase medical debt for state residents have either passed or been proposed — some in partnership with Undue Medical Burden.

In June 2023, Colorado became the first state to prohibit medical debt from being included on residents’ credit reports. Similar legislation was passed this year in Connecticut and proposed in New Jersey.

Last year, Connecticut’s state legislature approved a budget that would allocate $6.5 million in American Rescue Plan (ARP) funding toward erasing medical debt for residents whose medical debt is 5 percent of their income or whose household income is up to 400 percent of the federal poverty line. Earlier this year, Arizona Gov. Katie Hobbs, a Democrat, announced efforts to use $30 million of ARP funding to cancel medical debt for up to 1 million Arizonans, using similar criteria as Connecticut. Both states partnered with Undue Medical Debt

To Stahl, removing medical debt from credit reports has limitations.

“It’s an action that is helpful, but it’s not getting it’s not at the it’s not at the root,” which is “that people don’t have access to affordable high quality health care,” Stahl said. “Even if you banned medical debt from credit reports, which is an important and worthy exercise, people still have unpaid medical bills. … Patients will still feel the stress of having debt collectors call them several times a day, asking them when they’re going to pay their medical bills, or they may get into payment plans that they can’t really afford.”

A senior administration official said public comments are being accepted through August 12. They expect the rule to be finalized early next year.

This article first appeared on Mississippi Today and is republished here under a Creative Commons license.

Mississippi Today

All eyes on Mississippi’s Rep. Guest as his committee considers releasing Gaetz report

Published

on

mississippitoday.org – Taylor Vance – 2024-11-19 16:00:00

President-elect Donald Trump’s announcement to nominate former U.S. Rep. Matt Gaetz as attorney general has, again, thrust Mississippi Congressman Michael Guest, chairman of the House Ethics Committee, into the national spotlight. 

Guest’s committee will potentially vote at its Wednesday meeting whether to release an ethics report on Gaetz. The committee, which was investigating Florida’s Gaetz over allegations of sexual misconduct and illicit drug use, was set to release the report before Gaetz abruptly resigned from Congress.

Guest is a Republican who represents Mississippi’s 3rd Congressional District and has chaired the bipartisan House committee that investigates whether House members have committed ethics violations since January 2023. 

Gaetz resigned last week shortly after Trump announced he planned to nominate him to lead the Department of Justice, despite having been previously investigated by the department for alleged sex trafficking crimes. The department declined to pursue criminal charges against Gaetz. 

After the resignation, House Speaker Mike Johnson announced that he does not want the House to make the committee’s report public because Gaetz is no longer in office. 

Guest declined to comment to Mississippi Today about recent developments with the committee’s investigation into Gaetz. But the Mississippi Republican told Politico that the panel will make its own decision about releasing the report, regardless of Johnson’s opinion that it should be kept under wraps. Lawmakers on both sides of the aisle have called for the report to be provided to senators before a confirmation vote on Gaetz and-or to the public.

Guest is the former district attorney of Rankin and Madison counties. He also gained national attention when he introduced a resolution last year to expel New York Congressman George Santos from the House. 

Some U.S. senators such as Republican John Cornyn of Texas have publicly called for the Ethics Committee to hand over its report of the Gaetz investigation. Neither of Mississippi’s two U.S. senators, Roger Wicker and Cindy Hyde-Smith, sit on the Senate Judiciary Committee, but they will get to vote on the nomination if it reaches the full Senate. 

Wicker, a Republican from Tupelo, told Mississippi Today that the Senate has the constitutional obligation to “provide the president with advice and consent on executive and judicial branch nominations” and he takes that responsibility seriously. He did not comment on Gaetz.

“I think that we are in a position to give President-elect Trump good advice on what is likely to work,” Wicker said.  We are going to fulfill our constitutional role, and we are going to do so as friends of the president-elect and as members of a team who want him to be as successful as possible.”

Hyde-Smith, a Republican from Brookhaven, did not respond to a request for comment. 

This article first appeared on Mississippi Today and is republished here under a Creative Commons license.

Continue Reading

Mississippi Today

Exploring all the many facets of Mississippi College’s decision to end football

Published

on

mississippitoday.org – Rick Cleveland – 2024-11-19 15:47:00

Fred McAfee runs for yardage in the snow in Mississippi College’s 3-0 victory over Jacksonville State in the 1989 Division II National Championship game at Florence, Ala. The championship was later vacated because the Choctaws far exceeded NCAA Division II scholarship limitations. (Photo courtesy Mississippi Sports Hall of Fame)

Monday’s news that Mississippi College – soon to be Mississippi Christian University – will no longer field a football team seemed to come out of nowhere. “Shocking” is the word many have used to describe the news.

Rick Cleveland

“I feel like I just lost a family member,” said Mississippi Sports Hall of Famer Fred “Fast Freddie” McAfee, one of the two most famous football players in Mississippi College history. “I remember playing my last regular season game against Delta State before an overflow crowd. I remember winning a national championship. I just can’t believe it has come to this.”

Many readers might wonder who the other most famous Mississippi College player was. That would have been the remarkable Edwin “Goat” Hale, a College Football Hall of Famer who in 1916 led the Choctaws to a 74-6 victory over Ole Miss. You read that correctly. Mississippi College 74, Ole Miss 6. MC also defeated Mississippi State, Southern Miss, Tulane and many other southern football powers early in the 20th century.

Mississippi College competed in football for 117 years. There’s a lot of history there, both good and bad, including that 1989 NCAA Division II National Championship, later vacated for scholarship violations. McAfee, a star player on that team, says he never was on more than a half scholarship in his four years at MC.

Fred McAfee was a special teams ace.

And McAfee, who later made All-Pro in the NFL, surely didn’t receive any NIL (name, image and likeness) money, which is one stated reason why Mississippi College made its decision to drop the sport. We will get to that.

First, this: There are many losers with this decision: the coaches, who no longer have a job; long-time Mississippi College football fans who no longer have a favorite team; and even Delta State, which loses its arch-rival. Delta State football coach Todd Cooley, whose Statesman defeated MC 20-14 on Nov. 16 in what apparently is the last football game MC will ever play, called the MC decision “very disappointing” and added, “I just hate it for the players and the coaches.”

But make no mistake: The biggest losers are the MC football players, who really do play for the love of the game. They must decide if they love it enough to play it somewhere else and, if so, then find a school that will take them.

Dr. Blake Thompson, the Mississippi College president in his seventh year at the helm, says he hurts for those players but at the same time strongly believes that the decision to drop football – along with the name change – are in the best, long-term interest of the school. One primary reason is economics.

“I don’t have the exact numbers in front of me, but we’re looking at close to $2 million that we can save to put into our other sports programs, upgrade our facilities, and also put into other areas, including, of course, academics,” Thompson said. “We have a long standing tradition of academic excellence. We have the highest incoming ACT scores of any school in the state. We’re proud of that.”

Dr. Blake Thompson

Thompson continued, “We also have bold aspirations for the future. I like the model of schools like Belmont University (Nashville), which doesn’t play football but has become quite competitive at the Division I level in baseball and basketball and other sports. Dallas Baptist, like us a faith-based school, has become a Division I baseball power.”

Thompson, who formerly worked at Ohio State, is in the middle of a seven-year term on the powerful NCAA Division II Presidents Council, and, consequently, is familiar with all aspects of of college athletics. “We’ve tried to look at the overall landscape of college athletics and determine where we stand and where we want to stand in that landscape,” he said. “We want to excel in everything we do. Sometimes, that requires tough decisions.”

One firm decision, Thompson says, “We are not in a place where we are going to be paying players. We are not going to play in that space.”

Over its last 10 full seasons, MC has won just 28 games, lost 74. Since the 1989 “championship” season MC has won 144, lost 200 and tied four. Those numbers will never be confused with Thompson’s goal of “excellence” in all MC does. None of that changes the fact, Thompson says, that this has been a gut-wrenching, quite emotional decision.

“My commitment since I got here seven years ago has been to care for these students,” he said. “All scholarship arrangements will be the same through the end of this school year. For those players who want to remain in school here, we will work with them, find scholarship money where we can from other sources. For those who want to continue playing football, we will help them every way we can with the transfer portal.”

The rest of the Gulf South Conference, including Delta State, faces a different and difficult situation. MC’s decision now leaves the league with only four football playing members: Delta State, No. 1 ranked Valdosta State, West Alabama and West Florida. The GSC was once known as the SEC of Division II football conferences. And, indeed, the four remaining football members all play the sport at a high level and all have won at least one national championship. But can four teams really be called a conference?

This article first appeared on Mississippi Today and is republished here under a Creative Commons license.

Continue Reading

Mississippi Today

Bill to provide prenatal care to low-income women still inaccessible as 2025 legislative session looms

Published

on

mississippitoday.org – Sophia Paffenroth – 2024-11-19 12:32:00

Nearly five months after a new law to make prenatal care more accessible to low-income women was supposed to go into effect, its fate remains unclear. 

The state is still in negotiations with the Centers for Medicare and Medicaid Services – the federal agency responsible for approving the state plan – according to Matt Westerfield, spokesperson for the Mississippi Division of Medicaid. CMS is supposed to take no more than 90 days to approve or reject a plan, but that 90-day clock has been suspended indefinitely since issues have been raised with legislation Mississippi lawmakers wrote last session. 

Presumptive eligibility for pregnant women allows temporary and immediate Medicaid coverage for low-income expectant mothers while they wait for their official Medicaid application to be approved – a process that can take months. 

Strict Medicaid eligibility requirements in Mississippi mean that a majority of low-income women are only eligible for Medicaid once they become pregnant. If a woman applies when she finds out she’s pregnant, that means a lengthy application process could cut well into her pregnancy and delay her seeking prenatal care, which is proven to lead to poor outcomes such as preterm birth – in which Mississippi leads the nation

Senators Nicole Boyd, R-Oxford, takes notes during a presentation by Mississippi Department of Child Services Commissioner Andrea Sanders, during a study group on women, children and family, held at the State Capitol, Wednesday, Oct. 2, 2024 in Jackson. Credit: Vickie D. King/Mississippi Today

Nicole Boyd, R-Oxford, who leads the Senate Study Group for Women, Children and Families, has been checking in weekly with Medicaid about the status of the policy. In a committee hearing Monday, Boyd followed up twice with newly appointed Medicaid Executive Director Cindy Bradshaw at the beginning and end of the meeting to try to gain clarity on the status of the policy. 

Boyd asked Bradshaw whether the 2024 legislation could be salvaged or whether lawmakers would need to redo legislation to enact the policy in 2025. Bradshaw said both that she hopes the state and federal agencies can come to an agreement, and also that she’d feel better with new legislation. 

“Well, I think we can come to a reasonable place that we will be able to get it,” Bradshaw said. “Am I 100% comfortable with that? No. I would prefer that we have legislation to shore up the concessions that we’ve had to make.”

It’s not clear what concessions the Mississippi Division of Medicaid has had to make, but it’s likely that CMS is requiring Medicaid to take out a proof of income and proof of requirement lawmakers included in the original bill. 

Federal guidelines state that while the agency may require proof of citizenship or residency, it should not “require verification of the conditions for presumptive eligibility.”

CMS will not comment on ongoing negotiations with individual states.

If 2024 legislation can’t be salvaged, lawmakers would have two options for rewriting the law next session. They could take out the requirements with which CMS has an issue, or they could take their chances hoping a Trump administration would grant a waiver allowing them to keep requirements at odds with federal guidelines – something lawmakers will likely bank on with a Medicaid expansion bill next session, as well. 

Insisting on the proof of pregnancy requirement doesn’t serve much of a purpose, since it wouldn’t be possible for a woman to fake a pregnancy and receive prenatal care, such as ultrasounds. As for the proof of income requirement, it can be cumbersome on low-income women already facing socioeconomic hurdles, explained Tricia Brooks, a research professor at the Center for Children and Families at Georgetown University and the lead author on the KFF Annual Survey on Medicaid and CHIP Eligibility, Enrollment and Renewal Policies.

“I remember when I first got pregnant, I thought I had the flu because I was nauseous for days on end,” Brooks said. “If I go to the doctor and find out that lo and behold maybe I am pregnant, and you want me to get enrolled, but now you’re asking me for paystubs … So now I have to come back in or somehow communicate or transmit proof of income to the provider. That just gives everybody pause of, ‘Oh my god, is this even worth it?’”

In the meantime, the Division of Medicaid is continuing to accept providers who wish to participate in the program and conduct eligibility determination trainings, according to Westerfield. Until CMS approves the state plan, none of the providers that have been approved will be able to provide care under the policy to eligible women.

Below is a list of the 13 providers that have been approved to participate as of Oct. 18: 

  • Physicians & Surgeons Clinic – Amory
  • Mississippi Department of Health, Dr. Renia Dotson – County Health Department (Family Planning Clinic)
  • Family Health Center – Laurel
  • Delta Health Center Inc (Dr. H. Jack Geiger Medical Center) – Mound Bayou
  • G.A. Carmichael Family Health Center Providers – Belzoni, Canton, Yazoo City
  • Coastal Family Health Center Inc. – Biloxi 
  • Delta Health System – Greenville
  • Delta Medical Group – Women’s Specialty Clinic – Greenville
  • Southeast MS Rural Health Initiative Inc. – Women’s Health Center – Hattiesburg
  • University of Mississippi Medical Center – Jackson
  • Jackson Hinds Comprehensive Health Center – Jackson
  • Central MS Health Service – Jackson
  • Northwest MS Regional Medical Center – Clarksdale

An expectant mother would need to fall under the following income levels to qualify for presumptive eligibility:

This article first appeared on Mississippi Today and is republished here under a Creative Commons license.

Continue Reading

Trending