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Where Are Kids When We Talk About Health Care Reform?

The rush to bring needed change to the nation’s health care system is placing America’s children at grave risk. But almost no one is talking about it. Children have become the silent victims of the debate. More than 30 million children in America receive their health care coverage under the Medicaid program, yet in more than 100,000 articles written about health care reform in the last six months, less than 8 percent mention the impact these cuts will have on our children.

The U. S. Senate’s “Better Care Reconciliation Act of 2017” would repeal and replace the Affordable Care Act, cutting Medicaid by $772 billion over 10 years. Such cuts would put pressure on states to limit how they pay for children’s health care. It’s a major step backward for more than 30 million children and their families who would be subject to potential limits on their health care. One in every 3 children in the nation is insured by Medicaid. In Illinois, 1.5 million children are insured by Medicaid, which means that almost half of all Illinois children would be adversely impacted. This is a particular challenge in Illinois, where Medicaid reimbursement is the lowest in the nation.

[See: How to Pick a Health Insurance Plan.]

Precious little time has been devoted to examining the impact that proposed Medicaid cuts will have on children such as 9-year-old Elena, who has already had more surgeries than someone 10 times her age. She was born without an esophagus and with bowel abnormalities, and she requires a ventilator to stay alive. Like millions of American children, Elena is on Medicaid because her family is medically poor. Her mother already wages battles to ensure Medicaid covers her ventilator and at-home treatment. Further cutbacks in Medicaid funding will keep children like Elena in the hospital instead of their homes. Is this better or more efficient care?

Medicaid also insures children like 14-year-old Jonathan and 9-year-old Taniah. They have sickle cell anemia, a blood disorder that causes them chronic pain, and they need specialty care and ongoing infusion therapy. Medicaid also insures children like 6-year-old Jamela, who was a happy, dancing child until she developed debilitating pain and was found to have a brain tumor wrapped around her spinal cord. She needed specialty care, surgery and a year of intense chemotherapy. These diseases are equal opportunity diseases: They hit children of all income levels. Each of us is one catastrophic illness or injury away from needing Medicaid.

But Medicaid is not only for children with catastrophic illness. Even in our primary care clinic at Ann & Robert H. Lurie Children’s Hospital of Chicago, four out of every five patients treated count on Medicaid to help pay for their health. These patients include newborn babies, children with multiple ear infections that are very difficult to treat, schoolkids who need their annual immunizations and teens with life-threatening asthma and other very common conditions.

[See: What Your Doctors Wish You Knew.]

Given that our country lacks a deliberative process to create a national policy for children — who can’t vote or otherwise participate in the political process — it’s our collective responsibility to safeguard resources and access to health care for children insured by Medicaid.

The Senate bill released last month does more than unwind major parts of the Affordable Care Act. Just like the House version of health care reform, the Senate bill goes far beyond undoing the ACA and undercuts the Medicaid program that has helped save lives and foster healthy futures for hundreds of millions of Americans over the last 50 years. We need to make sure that Congress maintains the overall Medicaid funding levels for children and that any changes protect children with pre-existing conditions. We also need to make sure that children on Medicaid continue to have access to the appropriate preventive, dental, mental health, developmental and specialty services that are now federally mandated by the Early and Periodic Screening, Diagnostic and Treatment benefit.

[See: How to Be a Good Patient Wingman.]

We implore members of Congress to be cognitive of the impact that proposed changes to Medicaid — the safety net for children in America — will have. We ask them to stand tall and protect both healthy children and sick children like Elena, Jonathan, Taniah and Jamela.

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Where Are Kids When We Talk About Health Care Reform? originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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