Health Care: Are You Covered?

A look at Americans and health insurance

Health Insurance: Are You Covered?

A majority of Americans say the health care system is in need of a fix. But how much change is needed? That's the sticking point in the national debate. This series explores nine different situations, from the uninsured to those who have the best insurance money can buy. <em><em>Produced in collaboration with Kaiser Health News, a nonprofit news serv</em>ice.</em>

 

As Focus Shifts To Jobs, The Uninsured Seek Solutions

Partner content from Kaiser Health News

Patient Lee Hardy speaks with nurse practitioner Mary Mackie. i i

Patient Lee Hardy, who has been uninsured since Hurricane Katrina, speaks with nurse practitioner Mary Mackie at the New Orleans Faith Health Alliance. Debbie Elliott/NPR hide caption

itoggle caption Debbie Elliott/NPR
Patient Lee Hardy speaks with nurse practitioner Mary Mackie.

Patient Lee Hardy, who has been uninsured since Hurricane Katrina, speaks with nurse practitioner Mary Mackie at the New Orleans Faith Health Alliance.

Debbie Elliott/NPR

The national debate over health care appears to be taking a back seat to jobs creation — but the problem persists for people who have jobs but no health insurance.

As part of our series "Are You Covered," we check back in with Fernando Arriola, a contractor in New Orleans who can't get health coverage. He's adopted an unconventional approach to medical care and is now working to set up a clinic for the uninsured.

Going Abroad For Cheaper Care

Winter (what there is of it in New Orleans) is the slow season for Arriola's construction firm. So late last year, he took care of a nagging medical problem.

"I had a minor surgery," he says. "[It] wasn't anything big — just had a growth removed. So I went to Guatemala. It cost me a grand total of $80, including the doctor visit. I was able to save some money. I couldn't even pay for the doctor visit over here."

More To The Story

Read our first story about Fernando Arriola and a policy brief on the uninsured.

Arriola is a naturalized citizen who has called New Orleans home for 40 years. But his regular doctor these days is in his native Guatemala. So when he goes to visit family, he gets care and stocks up on his blood pressure medicine.

First Denied, Then Disappointed

The 58-year-old self-employed businessman gave up his health coverage after Hurricane Katrina to save money when times were tough. When he tried to reinstate the policy, he was denied. Arriola had hoped Congress would allow people like him to buy into the Medicare system a little early.

"See, I'm willing to pay for what I am getting," Arriola says. "That's not the point. It's just that I cannot even get it."

He's frustrated that politicians can't seem to agree on a fix.

"It's a mess," he says. "I don't know that they can do anything."

Are You Covered?

A look at Americans and health insurance.

Hope For The Uninsured

For his part, Arriola has been trying to do something locally by serving on the board of directors of a fledgling health clinic for uninsured workers: the New Orleans Faith Health Alliance.

At First Grace United Methodist Church in the Mid-City neighborhood, a construction crew is transforming Sunday school classrooms into exam rooms. The full clinic won't be ready until late spring, so for now a small, windowless choir room serves as a makeshift exam room.

Nurse practitioner Gwen George is taking Lee Hardy's blood pressure. It's a little high. He tells her he was diagnosed with high blood pressure five years ago, before Hurricane Katrina.

Hardy is a morning show producer for a local AM radio station that does not provide health insurance. He had hoped Congress would create a public health plan.

"People think that it's for other people out there that don't want to work and people who are just lazy bums," Hardy says. "I stand before you as living proof that that's not the case. I mean, I work hard."

Construction workers convert Sunday School rooms into exam rooms. i i

Construction workers convert Sunday school rooms into exam rooms at the New Orleans Faith Health Alliance, a fledgling health clinic for uninsured workers at First Grace United Methodist Church in New Orleans' Mid-City neighborhood. Debbie Elliott/NPR hide caption

itoggle caption Debbie Elliott/NPR
Construction workers convert Sunday School rooms into exam rooms.

Construction workers convert Sunday school rooms into exam rooms at the New Orleans Faith Health Alliance, a fledgling health clinic for uninsured workers at First Grace United Methodist Church in New Orleans' Mid-City neighborhood.

Debbie Elliott/NPR

But he hasn't had coverage since the storm. "The job ... that I did have health insurance with was gone. So you can mark it down to Aug. 29, 2005," he says.

And it's been that long since he's seen a doctor, even though his previous job was as a marketing director for a home health care agency.

George says Hardy is typical of the clinic's patients. Most have chronic health problems, like high blood pressure or diabetes, and have gone for years without care. Katrina devastated the city's health care system, including Charity Hospital. Even today, she says, there are few treatment options unless you wait for hours at a free clinic.

"And when you have a job, you really can't wait 10, 12 hours to be seen because you'll no longer have your job," she says. "And so they're really forced to have no care at all, or a place like this where they can get care."

Since November, the New Orleans Faith Health Alliance has been seeing patients three half-days a week, addressing a mere fraction of the need in this city, where so many work in industries that don't offer coverage — like construction and hospitality.

'The Reality Of New Orleans'

Clinic director Luanne Francis says there are about 80,000 uninsured workers in the New Orleans metro area.

"We are specifically focused on serving these people," Francis says, "because we believe these people are falling through the cracks and go a long period of time without seeing a provider."

But it's not a free ride. Patients must join, or become members by paying a fee based on their income. And they pay for each visit.

When Lee Hardy emerges from the exam room after an hourlong consultation, he calls the clinic "a blessing." He says he'll be recommending it to friends and colleagues.

"A lot of people I know are employed and not insured," says Hardy. "That's the reality of the New Orleans that we live in, particularly post-Katrina."

The New Orleans Faith Health Alliance has signed up 15 members so far. And the newest is Arriola, who says the clinic will help him with routine matters such as his blood pressure. But he's still concerned about major medical issues.

His plan for now? "Pray that nothing happens," Arriola says.

At least not until he's 65 and qualifies for Medicare.

This story was produced through a collaboration between NPR and Kaiser Health News (KHN), an editorially independent program of the Henry J. Kaiser Family Foundation, a nonpartisan health-care policy research organization. The Kaiser Family Foundation is not affiliated with Kaiser Permanente.

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