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New Biden administration rule would ban medical debt from credit reports

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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 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.

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Other federal efforts to curb medical debt include the No Surprises Act, which took effect in July 2022 and requires private 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.

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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, 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 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 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 . 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 coverage costs, affordability and accessibility.

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Undue Medical Debt, the nonprofit formerly known as RIP Medical Debt that contacts hospitals and health care requesting that they sell or 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 -level efforts to erase medical debt for state residents have either passed or been proposed — some in partnership with Undue Medical Burden.

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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.”

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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

A new law to improve pregnancy outcomes took effect Monday. But how someone can receive timely prenatal care is still unclear.

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Despite presumptive Medicaid eligibility for pregnant women going into effect Monday, it's still not clear how low-income pregnant women can get the timely prenatal care the is supposed to make possible.

House Bill 539, which was signed into law by the governor on March 12, allows eligible, low-income pregnant women to receive immediate care covered by while they wait for their application to be officially approved by the Division of Medicaid. Applications are supposed to take no longer than 45 days to process, though recent data shows nearly a third of applications in Mississippi took longer than that, bringing pregnant women well into their first trimester – when about 80% of miscarriages occur

The policy, which Mississippi lawmakers hope will mitigate the state's poor maternal and infant health metrics – some of the worst in the country – exists in 29 other states and Washington D.C. 

Mississippi Today reached out to the Division of Medicaid in late May to request an interview over the next month with an agency official to discuss what the process of presumptive eligibility and timely care for pregnant women would look like once the law went into effect July 1. The reporter continued each to reach out to spokesperson Matt Westerfield, who on June 10 said the agency was “exploring some options” for the interview.

On June 28, Westerfield said implementation is “complex” and that the agency would only communicate through “written exchanges.”

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The agency on Tuesday issued a general statement about its commitment to implementing the policy – with no details about any outreach, public education or provider training to date.

“The Mississippi Division of Medicaid will continue to do the necessary due diligence to ensure providers interested in making presumptive eligibility determinations are qualified and trained,” Westerfield said in an email.

Not all providers who accept Medicaid will be automatically able to participate in presumptive eligibility, according to a brief explainer on Medicaid's website posted at the end of June. 

and other qualifying providers must complete an application and undergo eligibility determination training, in addition to submitting a memorandum of understanding with the agency once approved. Then, a pregnant woman whose income falls below 194% of the federal poverty level – about $29,000 annually for an individual – can bring proof of income to the doctor and, if approved, receive prenatal care the same day.

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Westerfield said in an emailed statement in May that the agency would communicate to the public which locations are participating in the program, but said that they were “still working on what that outreach will look like.”

As of Tuesday, it is still unclear which, if any, providers are participating and whether Medicaid has sent any communication about the steps they must take if they want to participate.

House Medicaid Committee Chairwoman Missy McGee, R-Hattiesburg, Tuesday, Feb. 28, 2023, at the Mississippi Capitol in . (AP Photo/Rogelio V. Solis)

“Medicaid clearly knows that the intent of the Legislature is for pregnant women to get in to see their doctor as early as possible, and they are working to stand up this program that is now the law,” said House Medicaid Chair and the bill's author Missy McGee, a Republican from Hattiesburg. “As the author of this legislation, I will be closely monitoring the rollout of this new program and am optimistic that it will be done in a timely manner.”

The Legislature made the bill broad enough that the Division of Medicaid would have the to implement it in whatever way it saw fit, McGee explained.

“ … The Legislature's job is to create the policy. Now that it is law, it is Medicaid's job to implement it.”

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Mississippi Today reached out to – Mississippi's largest Medicaid provider – to determine what, if any, communication it has received about how presumptive eligibility will work.

“We are still checking into the process for this, but don't have any comment at this time,” a hospital spokesperson told Mississippi Today on Tuesday.

In March, the number of Mississippi Medicaid applications that took more than 45 days to be processed was 29%, according to data from the Centers for Medicare and Medicaid Services, due to “unwinding.” State Medicaid divisions across the country began reviewing their rolls last year for the first time in three years after the end of COVID-19 restrictions that prevented them from unenrolling beneficiaries, and Mississippi at times had a significant application backlog.

Without presumptive eligibility, pregnant women are forced to pay out of pocket or go without care in this interim period. Early prenatal care has been proven to mitigate a number of pregnancy-related problems hypertension – the leading cause of maternal mortality in Mississippi and across the country – and preterm births, in which Mississippi the nation.

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The state received more than $2 million of federal funds and an additional $602,000 in state money to implement the program, according to the 2024 Medicaid appropriation bill

Advocates of the policy have said the program pays for itself when compared to how much it costs the state to care for one infant's prolonged stay in a neonatal intensive care unit, which can easily top $1 million, according to a study published in the American Medical Association Journal of Ethics. 

How to know if you qualify

Anyone who is pregnant and makes at or below 194% of the federal poverty level qualifies for Medicaid and for presumptive eligibility. These individuals can start receiving care a soon as they find out they're pregnant by showing proof of monthly income to a doctor at a qualifying location.

While it's not known which providers, if any, have chosen to participate so far, Mississippi Today will continue to monitor the Division of Medicaid's implementation of the policy and report on qualifying providers as they sign up.

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

Did you miss our previous article…
https://www.biloxinewsevents.com/?p=372033

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Dau Mabil’s brother goes back to court to get independent autopsy started

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mississippitoday.org – Mina Corpuz – 2024-07-02 14:18:12

The brother of Dau Mabil, the man whose body was recovered from the Pearl three weeks after he disappeared, is asking a judge to enforce an order to allow an independent autopsy to proceed. 

The 's autopsy, released late last month, determined by drowning by unknown cause. 

In a Monday court filing, Bul Mabil of Texas argues that his brother's widow, Karissa Bowley, is preventing the second autopsy by vetoing his choice of a qualified forensic pathologist, Dr. Matthias Okoye of Nebraska. 

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“This Court did not authorize Karissa Bowley to select or veto the pathologist to conduct the independent autopsy of Dau Garang Mabil,” Lisa Ross, Bul Mabil's attorney, wrote in the order. 

The court set a requirement for the pathologist to be at least as qualified as pathologists who conduct autopsies for the State of Mississippi along with having certain degrees or certifications. Ross argues that Okoye meets the requirements set in the court order. 

Okoye is director of the Nebraska Institute of Forensic Sciences, a nonprofit organization that operates the forensic pathologist division of the coroner's office for several counties in the state. 

He has investigated and certified over 15,000 deaths as a deputy and chief medical examiner and a coroner's pathologist and has performed over 12,000 autopsies, according to his curriculum vitae included in court records. 

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Spencer Bowley wrote in a Sunday email that his sister disagrees with Bul Mabil's choice of Okoye, who Bowley noted was previously sued for providing false information in an autopsy

“Dau deserves nothing less than to have all answerable questions answered regarding his death,” he wrote. “We will continue seeking to agree on a pathologist to pursue truth, rather than any individual person or organization's agenda.”

More than a decade ago, a daycare provider sued Okoye, who authored the report used to charge her with felony child abuse for the death of a 6-week-old. The charges were later dropped. 

Okoye ruled the infant died from homicide from blunt force trauma to the head and asphyxiation. Pathologists hired by the plaintiff found the infant's death was due to sudden infant death syndrome. 

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In 2014, the Nebraska Supreme Court ruled in the woman's malicious prosecution by reversing the lower court's order to grant Okoye and his organization summary judgment, finding “differing reasonable inferences (that) could be drawn as to whether Okoye knowingly provided false or misleading information in his autopsy report.” 

Another forensic pathologist offered by Bul Mabil is Dr. Frank Peretti of Arkansas, but Ross wrote in the filing that he declined to conduct the autopsy because of a potential conflict of interest. 

Bowley has offered the names of four forensic pathologists, according to a Friday email from her attorney John David Sanford included in court records. 

Okoye has also conducted an independent autopsy for at least one other Mississippi : Lee Demond Smith, who died in the Jail, according to an affidavit contained in the court records. His ruling disagreed with the county pathologist's ruling. 

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As of Tuesday afternoon, a court hearing had not been scheduled to consider the motion. 

The delay comes a week and a half after the Bowleys released the state's autopsy results. 

That day, Ross began asking the Department of Public Safety's attorney if Mabil's body was ready to be released. She received confirmation about a week later. 

As part of requirements for the autopsy, the court set a 30-day window for the autopsy to be conducted. 

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Now that Capitol have finished its investigation, Ross is asking the court to act so the autopsy can be done within 30 days of June 27, which is when she received confirmation. 

In May, Bowley agreed to allow a second autopsy, and Chancery Judge Dewayne Thomas wrote that it would be paid for at Bul Mabil's “direction and expense.” 

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

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Federal judge blocks Mississippi online age verification law

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mississippitoday.org – Geoff Pender – 2024-07-02 12:43:05

A federal judge has issued an injunction halting a Mississippi requiring online platforms to verify the ages of users.

Mississippi lawmakers, parroting measures passed by legislatures in several other states, passed House Bill 1126 this year, saying it would protect from explicit online content. The law was set to take effect Monday, but the tech industry group NetChoice sued the in June, it would unconstitutionally limit adults' speech and privacy.

U.S. District Judge Sul Ozerden granted NetChoice's request for a preliminary injunction halting the law while the case moves forward. He said the plaintiff's claim shows “a substantial likelihood of on the merits of its claim” of the unconstitutionality of the law.

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NetChoice is fighting similar laws in other states and has secured several similar injunctions.

“An unconstitutional law will protect no one,”Chris Marchese, director of the NetChoice Litigation Center, said in a statement. “We're pleased the court sided with the First Amendment and stopped Mississippi's law from censoring online speech, limiting access to lawful information and undermining user privacy and security as our case proceeds. We look forward to seeing the law struck down permanently.

“If HB 1126 ultimately takes effect, mandating age and identity verification for digital services will undermine privacy and stifle the free exchange of ideas. Mississippi also  commandeers websites to censor broad categories of protected speech, blocking access to important educational resources.  have a First Amendment right to access lawful information online free from censorship.”

The Mississippi law, authored by Rep. Jill Ford, R-, is called the “Walker Montgomery Protecting Children Online Act,” named after a Mississippi teen who reportedly committed suicide after an overseas online predator threatened to blackmail him.

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

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