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Coverage Worries Persist Amid Relief Over Health Care Ruling

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Affordable Care Act participant Kim Jones poses for a photo in her home in Wake Forest, N.C., Thursday, June 25, 2015. Jones said the Affordable Care Act has been a blessing to her who could not have otherwise afforded the medical care she has received during treatment for a tumor on her brain. The Supreme Court decided Thursday to uphold the Affordable Care Act subsidies. (AP Photo/Gerry Broome)

Affordable Care Act participant Kim Jones poses for a photo in her home in Wake Forest, N.C., Thursday, June 25, 2015. Jones said the Affordable Care Act has been a blessing to her who could not have otherwise afforded the medical care she has received during treatment for a tumor on her brain. The Supreme Court decided Thursday to uphold the Affordable Care Act subsidies. (AP Photo/Gerry Broome)

CARLA K. JOHNSON, Associated Press

CHICAGO (AP) — Throughout the country, relief was the dominant emotion among consumers who get help from the government to lower their health insurance costs following Thursday’s Supreme Court ruling upholding the subsidies underpinning President Barack Obama’s health care overhaul.

Many consumers expressed somewhat conflicting views: They were happy their monthly premiums would continue to be affordable but exasperated by the coverage the policies purchased on the new health care exchanges provide.

“I don’t particularly care for Obama. I didn’t vote for him,” said Salt Lake City resident Paige Preece, whose subsidy allows her to buy insurance for $137 a month. “But, honestly, if it weren’t for this, I would be absolutely lost.”

The court’s 6-3 ruling upheld the federal financial assistance to millions of low- and middle-income Americans to help pay for insurance premiums regardless of where they live. An estimated 6.4 million people in the 34 states that used the federal health care exchange were at risk of losing the subsidies because their home states did not set up their own insurance exchanges.

The case turned on just a few words in the mammoth Affordable Care Act that suggested the federal subsidies could go only to consumers in states that operated their own health insurance marketplaces. Consumers in those states or in ones that fell back on the federal exchange when their own exchanges faltered were not affected by the case.

“Congress passed the Affordable Care Act to improve health insurance markets, not to destroy them,” Chief Justice John Roberts declared in the majority opinion.

Polls taken before Thursday’s ruling suggested that most Americans wanted the court to uphold the subsidies. In an April Associated Press-GfK poll, 56 percent preferred that the court rule in favor of the Obama administration, while 39 percent wanted the court to rule for the other side.

Lydia DeJesus, who helps people sign up for coverage in Dickinson, North Dakota, said she has noted that division among consumers concerning the health care law, even among those receiving significant subsidies that make their policies more affordable.

“There are people who have services who never had services,” she said. “But there are people who were forced to have insurance and really don’t consider it affordable. Some people have told us they’d rather pay the fine as opposed to having health insurance.”

In Gresham, Oregon, Anna Mar, 28, said she is still no fan of what she calls “Obamacare.” She is a stay-at-home mom with two young boys. Her husband works in construction.

“The plan hardly covers anything, so I avoid going to the doctor,” Mar said. “I love the idea of everyone having health care, but it’s not affordable for us.”

For herself, Mar bought the cheapest plan on the exchange she could find: $134 a month, with a high deductible and high co-pays. Her government subsidy is $40. The couple’s children qualify for Medicaid, the state-federal health program for those with lower incomes.

Other consumers said they were grateful for the health care reforms and for Thursday’s ruling allowing the subsidies to continue.

Kim Jones, a substitute teacher in Wake Forest, North Carolina, said she once used the emergency room for her care. With the health insurance plan she purchased on the federal exchange, she now can afford follow-up treatment after surgery last summer to remove a brain tumor.

Jones, 60, said she was without health insurance for about a decade because of the part-time jobs she took to allow her to care for an elderly parent. Her current coverage costs her about $27 a month, after the government subsidy of more than $500. She continues to take medication and had worried about losing coverage.

“I know it helped so many people, and a lot of folks like myself who had fallen through the cracks were finally getting some kind of help with health issues,” Jones said after the ruling.

In Norman, Oklahoma, Kelli Nicole Smith, a 26-year-old baker who earns $11 an hour at a candy shop, said she was relieved to learn she would still receive the $99 monthly subsidy that she used to purchase a health plan. Without it, Smith said she probably would have considered buying less healthy food or downgrading her mobile phone plan.

“I would have choices, but they wouldn’t be comfortable,” said Smith, who ends up paying about $60 a month for a plan with relatively high co-pays, including $500 for an emergency room visit. “Or I would have to consider finding a job that maybe pays more that I don’t really want to do.”

Advocates such as Walter Davis of the Tennessee Health Care Campaign, used the Supreme Court decision to urge lawmakers in Tennessee to increase Medicaid access, an expansion that was made optional by an earlier Supreme Court ruling.

“Tennessee has failed to expand Medicaid and is falling further behind, leaving thousands of people unnecessarily uninsured and without access to affordable health coverage,” he said in a written statement. “Now Tennessee policymakers should recognize health reform is working, abandon efforts to undermine it, and instead take advantage of the opportunities that health reform offers to improve lives.”

Those with medical issues took the most comfort in the Supreme Court’s ruling and Obama’s assertion afterward that “the Affordable Care Act is here to stay.”

“I’m starting to cry just talking about it,” said Susan Halpern, a 55-year-old breast cancer survivor from Columbus, Ohio, who immediately posted the news to Facebook.

With an irregular income as a freelance contractor, she said the subsidy makes a huge difference. Without it, she said the only way she could continue to pay the premium would be to drain her retirement savings.

“This has saved my ability to retire someday,” Halpern said. “I know tens of thousands of Americans were looking at it the same way.”

___

Associated Press writers Emery P. Dalesio in Raleigh, North Carolina; Travis Loller in Nashville, Tennessee; James MacPherson in Bismarck, North Dakota; Sean Murphy in Oklahoma City; Michelle L. Price in Salt Lake City; and John Seewer in Toledo, Ohio, contributed to this report.

Copyright 2015 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.

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Medi-Cal Cares for You and Your Baby Every Step of the Way

Across California, including Alameda and San Francisco counties,  Medi-Cal is working to address those concerns by expanding and coordinating maternal health services so pregnant and postpartum people receive care that is respectful, comprehensive, and easier to navigate. From the first prenatal visit through a child’s first birthday, Medi-Cal provides coverage and support designed to protect both parent and baby.

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For many pregnant people, pregnancy brings a mix of both joy and uncertainty. Alongside excitement, there are questions about finding the right doctor, understanding what care is covered, and knowing where to turn for support after the baby arrives. For Black families in Alameda and San Francisco counties those questions are often compounded by long-standing disparities in maternal health outcomes.

Across California, including Alameda and San Francisco counties,  Medi-Cal is working to address those concerns by expanding and coordinating maternal health services so pregnant and postpartum people receive care that is respectful, comprehensive, and easier to navigate. From the first prenatal visit through a child’s first birthday, Medi-Cal provides coverage and support designed to protect both parent and baby.

These services are available to people who qualify for Medi-Cal. In California, eligibility is based primarily on income, household size, age, pregnancy status, disability, or other qualifying circumstances. Pregnant people qualify at higher income levels than non-pregnant adults and remain eligible through pregnancy and for 12 months after the pregnancy ends.

Importantly, pregnant people who qualify for Medi-Cal are eligible for full-scope coverage regardless of immigration status, including medical, behavioral health, dental, and vision services during pregnancy and the postpartum year.

A Clearer Path Through Pregnancy: The Birthing Care Pathway

The Birthing Care Pathway helps pregnant people understand what care they should receive and when, while supporting providers in delivering coordinated, culturally responsive services. It outlines key steps during pregnancy, including prenatal screenings, behavioral health check-ins, nutrition support, and preparation for labor and delivery.

For Black pregnant and postpartum people in Alameda and San Francisco counties the pathway emphasizes early prenatal care, shared decision-making, and connections to community-based programs that address medical needs and social drivers of health.

Doula Services: Support Before, During, and After Birth

Medi-Cal covers doula services for pregnant and postpartum members who qualify. Doulas provide non-medical emotional support, education, and advocacy during pregnancy, labor and delivery, and postpartum recovery. Research shows doula care is associated with reduced stress, improved birth outcomes, and increased breastfeeding success.

Covered doula services include prenatal visits, support during labor and delivery, and postpartum follow-up visits, in accordance with Medi-Cal benefit guidelines.

Care That Continues After Birth: The Postpartum Pathway

More than half of pregnancy-related deaths in California occur after childbirth, with Black families facing the greatest risks. The Postpartum Pathway defines the care pregnant and postpartum people who qualify for Medi-Cal should receive during the first year after birth.

The Pathway promotes a comprehensive postpartum visit within 12 weeks, ongoing primary care through 12 months postpartum, screening and treatment for postpartum depression and anxiety, breastfeeding support, chronic condition management, and referrals to community-based services.

Mental Health, Dental, and Vision Care Included

Medi-Cal covers perinatal behavioral health services for eligible members, including screening, therapy, counseling, and medication management when medically necessary. Services may be provided in person or through telehealth.

Pregnant and postpartum people who qualify for Medi-Cal also receive full dental benefits, including exams, cleanings, and medically necessary treatment, as well as vision care such as eye exams and eyeglasses.

Community Supports Through CalAIM

CalAIM (California Advancing and Innovating Medi-Cal) is a statewide initiative that strengthens Medi-Cal by improving care coordination and addressing health-related social needs.

Through CalAIM, eligible Medi-Cal members in Alameda and San Francisco counties may receive Community Supports such as transitional housing assistance, medically tailored meals, and help navigating social services.

How to Contact Medi-Cal in Alameda and San Francisco Counties

Pregnant and postpartum people who meet Medi-Cal eligibility requirements can get help enrolling, choosing a health plan, finding providers, or accessing doula and postpartum services by contacting the Alameda County Medi-Cal office at (510) 795-2428 or the San Francisco Medi-Cal office at (855) 355-5757 or calling the number on their Medi-Cal card.

Support at Every Step

Pregnancy and postpartum care should be clear, compassionate, and complete. Through the Birthing Care Pathway, Postpartum Pathway, doula services, behavioral health care, Black Infant Health, and Community Supports, Medi-Cal is working to ensure that eligible families in Alameda and San Francisco counties — especially Black Californians — receive the care and support they need to stay healthy and give their babies a strong start.

Ready to Learn More or Get Started?

Pregnant and postpartum people in Alameda and San Francisco counties can learn more about Medi-Cal benefits, enroll in coverage, or get help finding providers by contacting the Alameda County Medi-Cal office or San Francisco County Medi-Cal office or calling the number on their Medi-Cal card. Trained representatives can explain eligibility, available services, and next steps.

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Life Expectancy in Marin City, a Black Community, Is 15-17 Years Less than the Rest of Marin County

 “Marin City residents have been fighting for years just to stay here. Residents live with the fear of being forced out, public housing torn down and rebuilt for the wealthy. Due to ongoing issues continually being ignored, residents feel they must be empowered to make their own decisions for the future survival and protection of their community,” said Terrie Green, a lifelong resident and executive director of Marin City Climate Resilience (MCCR).

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Marin City community leaders (l.-r.): Terrie Green, executive director of Marin City Climate Resilience (MCCR); Wambua Musyoki, Stanford University; Khamil Callahan, Santa Rosa Junior College; Serenity Allen, Xavier University; and Chinaka Green, MCCR associate director.
Marin City community leaders (l.-r.): Terrie Green, executive director of Marin City Climate Resilience (MCCR); Wambua Musyoki, Stanford University; Khamil Callahan, Santa Rosa Junior College; Serenity Allen, Xavier University; and Chinaka Green, MCCR associate director.

By Ken Epstein

People may be aware of the existence of Marin City and know a little about its history as a center of U.S. resistance to fascism in the World War II. But fewer know of the community’s ongoing struggles to survive potential displacement while facing severe toxic health and environmental conditions on a daily basis.

These conditions cause chronic disease and premature death, dramatically shown in the sharp difference in life expectancy between Black and white people living in households only a few miles apart.

A historically African American enclave, Marin City, occupies a 0.5-square mile area between Mill Valley and Sausalito with its own freeway exit near the Golden Gate Bridge. In contrast, the rest of Marin County rates among the healthiest, wealthiest, and most environmentally friendly counties in the country. However, it is one of the least racially equitable counties in California, with Black residents being the most impacted, according to the Advancement Project, a civil rights organization,.

The community owes its continued existence to the World War II generation that came to the Bay Area from the South to work in the shipyards and to the resiliency of its residents. Despite often facing discriminatory practices, such as redlining and a segregated school district, Marin City residents have continually created a strong community rich in culture, spirituality, and community values.

The current statistics are brutal. At present, Marin City residents face more than a 17-year difference in life expectancy compared to neighboring cities and towns.  Contributing to these conditions are a lack of investment in public housing and infrastructure: unsafe drinking water, air pollution caused by proximity to the U.S. 101 freeway, unsanitary stormwater drainage that produces mold and mildew, as well as old and broken lead pipes and sewage in homes.

As an unincorporated community, Marin City residents must rely primarily on the elected Marin County Board of Supervisors, Department of Public Works, Transportation Authority of Marin and Caltrans for the decisions and investments that impact their lives.

“Marin City residents have been fighting for years just to stay here. Residents live with the fear of being forced out, public housing torn down and rebuilt for the wealthy. Due to ongoing issues continually being ignored, residents feel they must be empowered to make their own decisions for the future survival and protection of their community,” said Terrie Green, a lifelong resident and executive director of Marin City Climate Resilience (MCCR).

MCCR’s focus is on environmental justice. Its purpose is to empower and advocate for individuals to embrace sustainable living, envision a future free of environmental harm and collectively work towards a better Marin City.  MCCR’s motto is “Forever Marin City.”

MCCR has created a unique team of Marin City Youth Environmentalists who have studied and researched environmental issues impacting the health of the community.

Serenity Allen is an MCCR Youth Coordinator/Young Environmentalist studying to be a medical social worker at Xavier University. She has been working in the community for six years. “I strongly believe that where you live should not determine how long you are able to live,” she said.

Allen referred to the work done by former Marin County Public Health Officer Dr. Matt Willis, who stated that Marin City has a 17-year life expectancy difference between residents of Marin City (77 years) and more affluent areas like Ross (94 years).

“The research shows this gap is heavily correlated with race and socioeconomic status. Sausalito, which is not even two miles outside of Marin City, has a life expectancy of 92 years,” Allen said.

“Many elements contribute to this gap,” she said. “A major factor may be the 12 acres of toxic flood waters that pour down off the highway into low-lying Marin City.

In addition, “We do not have a barrier wall protecting us along our highway; the rest of Marin County has 16 barrier walls to protect from noise and air pollution. Marin City has been fighting for a barrier wall since 2008,” she said.

Octavien Green, an MCCR high school environmentalist, spoke about the impact of the absence of recreational facilities on health and wellness, particularly for youth.

“Lack of investment in our recreational facilities means we have fewer spaces and opportunities for physical activity, which contribute to serious health problems like heart disease, diabetes, weak bones and low energy, especially for kids.  We are presently involved in an ongoing struggle just to rebuild a sports ball field for the community that’s been unusable for the last 15 years.”

“Marin City is the center of Black culture for all of Marin County,” said Green. “Historically, though, the county has not invested in the community, and you see it in the life expectancy, the highest chronic disease and disability rates and eight times the amount of asthma.  In the last six weeks, we’ve had three young people in their 40s and 50s die from heart attacks.  This is alarming and must be addressed.”

Looking toward next steps, she said, “The way forward is through incorporation,” which would mean that Marin City would have its own elected leadership to find solutions that determine the future of the community.

This is the first in a series of articles on Marin City, examining conditions in the community and interviewing both community members and public officials.

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Why Peace on Earth Begins with Birth, a Q&A with Midwife Nikki Helms

In this Q&A with California Black Media, Helms reflects on what it would take to truly improve birthing services in the United States, why midwifery must be fully integrated into the healthcare system, and how trauma, safety and community shape birth experiences across a lifetime. Drawing on her clinical expertise and lived experience, Helms shares insights on building supportive birth environments, paying for care, and what every parent and baby deserves for a healthy start.

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Nikki Helms is a midwife and full-spectrum birthing care advocate.
Nikki Helms is a midwife and full-spectrum birthing care advocate.

By Amanda Kim, California Black Media

Midwife and full-spectrum birthing care advocate Nikki Helms has spent nearly two decades supporting families through pregnancy, birth and the often-overlooked postpartum period in California.

A Certified Professional Midwife, lactation educator, and DONA-and CAPPA-trained labor and postpartum doula, Helms is known for her deeply personalized, in-home education, her community-centered workshops, and her unwavering belief that evidence-based care and informed consent are essential to healthy outcomes for parents and babies. As the founder of the San Diego Birth Center, she has helped create a welcoming, home-like alternative to hospital birth — one rooted in continuity of care, trDAt and deep listening.

In this Q&A with California Black Media, Helms reflects on what it would take to truly improve birthing services in the United States, why midwifery must be fully integrated into the healthcare system, and how trauma, safety and community shape birth experiences across a lifetime. Drawing on her clinical expertise and lived experience, Helms shares insights on building supportive birth environments, paying for care, and what every parent and baby deserves for a healthy start.

What is the one thing we could do to improve birthing services in the U.S.?

We need to integrate well-trained, super-experienced, certified professional midwives fully into the healthcare system. Over the last century, the medical community has excluded, and in some states, banned midwifery, which has impacted Black parents and babies the most and limited safe choices. Today, the U.S. spends more money than any other developed nation on maternity care with some of the worst outcomes — for Black families especially. The integration of professional midwives is long overdue.

What does a midwife do?

There are several types. I’m a certified professional midwife and founder of a birth center. But there are also midwives who come to your home, educators, lactation consultants, doulas who provide support and advocacy, and monitrices, who have clinical training and can support the mother before and after the birth.

How are birth centers and midwifery services different from traditional care?

A lot of people feel more at home in a birth center. They are often colorful, inviting, simple, and calm. People also feel more at home because we’ve supported them from six weeks into their pregnancy to six weeks after the birth. That’s nearly a year, so we’ve gotten to know them and understand their lives. This wonderful continuity can help us identify subtle issues later on, especially postpartum. A team of three midwives will always pick up on cues.

As a midwife, what does this work mean to you?

This work just fills my soul. It empties me out completely and fills me. It’s the look on someone’s face after their baby has been born. They are filled with an amazing clarity and a look that says, “I did it.” And I can say, “Yes, you did, and I’m not surprised at all because I believe in you to the depths of my soul.”

After helping so many parents and babies, how has this work changed you?

I often think that peace on earth begins with birth. There are so many things wrong with the world that we can trace back directly to the birth experience. So, if we take care of mothers and babies and create a community around birth, then we are raising children who will know what it means to be emotionally mature, to have boundaries and to feel safe. People who feel safe don’t start wars or get into a lot of trouble.

How do parents pay for midwifery services?

Midwives and birth centers often accept cash, payment plans, credit cards, and certain insurances, like Medi-Cal. I tell expectant parents to, “Put out a shoebox at your baby shower and ask for $20 a head and use that money to pay for your postpartum doula. Help yourself along the way.”  People can also create online fundraisers.

If you were to give every parent and baby a healthy birth bag, what would be in it?

  1. Education, so you know what to expect physiologically and psychologically. Take out some of the surprises. For example, giving birth is generally bloodless, but not vomit-less.
  2. Support without judgment. That can be a partner, a doula, your mother, a partner’s mother, a best friend, aAnd if you have to pay for it, then do, because it’s worth every dime.
  3. Additional nutrition. We don’t want to take anything away from you, but we want to add the nutrition that will help you, your pregnancy and your baby.
  4. External connection, a place to tell your stories and listen to other stories. That’s how we build community.
  5. Two books: The Red Tent by Anita Diamant, which tells the stories of mothers in the Bible and how babies and the birth experience connect us all and The Happiest Baby on the Block by Dr. Harvey Karp, which combines science and wisdom.
  6. A little bit of “woo,” because I definitely believe that babies are incredibly spiritual beings. And birthing people are a passage for these spiritual beings. So, a lot of education, a lot of support, a lot of nutrition, and just a little bit of woo sprinkled on at the end, should cover it.

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