Earlier this year, the Texas Legislature passed a bill to wind down the Texas Health Insurance Pool. The Texas Health Insurance Pool, or “high risk pool,” was created to provide coverage for Texans who were denied coverage due to pre-existing conditions. It has been a lifeline for thousands of Texans for more than a decade, but it has never been an affordable for most because state law sets the premiums twice as high as comparable private market coverage.
As we’ve explained previously, the high risk pool will no longer be needed in 2014, when for the first time, the Affordable Care Act prevent people from being denied coverage or charged more due to pre-existing conditions. Texans whose only option is pricey risk pool coverage today will be able to choose from any plan offered by any insurer in Texas for coverage effective January 1, 2014, and they won’t pay more because of their pre-existing condition.
Some risk pool enrollees have already secured coverage for 2014. Cancer survivor Bob Flood and his family paid $3,000 each month for coverage in the risk pool and have enrolled in alternate coverage for 2014 that costs less than $1,000 to cover the family. But not all of the 23,000 risk pool enrollees have enrolled in other coverage. The technology issues with healthcare.gov have kept many people, including risk pool enrollees, from being able to apply for subsidies and coverage in the Marketplace.
The Texas legislation closing the risk pool contains a contingency allowing the Texas Commissioner of Insurance to keep the risk pool open if Marketplace operations are delayed. The Department of Insurance announced on Friday that the pool coverage will be extended until March 31, 2014. This aligns the end of risk pool coverage with the last day for open enrollment in the Marketplace, and gives risk pool enrollees an additional 3 months to get other insurance in place and avoid any gaps in coverage.
Extending pool coverage through March 2014 will provide current enrollees with needed time to get detailed information on their coverage options, make informed choices, and to enroll through the Marketplace. Individuals can also enroll in plans outside of the Marketplace, which do not rely on a functional healthcare.gov website, but the only way low- and middle-income enrollees can secure premiums subsidies is through the Marketplace website or phone line.
Unfortunately, there could be some tradeoffs for enrollees with extended risk pool coverage. Risk pool coverage has high deductibles. The most popular risk pool plan has a $5,000 deductible (for an individual, not a family). Risk pool deductibles re-start each year in January. If an enrollee remains in the risk pool for the month of January, for example, they would face a full year’s risk pool deductible for January, and then start over with a whole new deductible if they select an new plan in February. Meeting two deductibles within one year could prove financially difficult for many enrollees, especially moderate-income ones.
Another issue is premium increases. While most of us are used to once-a-year hikes, premiums historically have increased twice a year in the risk pool so costs remain twice that of regular coverage. It is possible that risk pool rates could increase between now and the end of March.
CPPP and the National MS Society sent a letter to the department last week that outlines the affordability issues related to an extension of risk pool coverage and potential fixes. The board of the Texas Health Insurance Pool will likely meet soon to determine if and how to address these issues. The risk pool has been conscientious about communicating changing information to enrollees, providing accurate and timely updates to its members. I’m certain the risk pool board will thoroughly examine how to make the extension and ultimate transition of coverage work well for risk pool enrollees.
Written by Stacey Pogue, Center for Public Policy Priorities. Cross-posted from Better Texas blog.
A Georgetown University Center for Children and Families report released today found some surprising news for Texas children. Even though the state continues to have the most uninsured children in the nation, the Lonestar State has made real progress in covering kids, with about a quarter of a million fewer uninsured children than it had four years ago. In fact, no state has seen as large of a positive swing in the number of children with health insurance.
“This is good news for children and the state of Texas since health insurance coverage greatly improves the economic security of families who are faced with tough budget decisions on a daily basis,” said Laura Guerra-Cardus with the Children’s Defense Fund – Texas. “Investing in our children’s health today helps create a strong workforce tomorrow since kids with coverage show up to school ready to learn and stay in school longer.”
Between 2009 and 2012, the number of uninsured children in Texas dropped by about 4 percentage points, with an estimated 256,000 children gaining coverage, according to data from the Georgetown University research center. A new report on improvements between 2010 and 2012 attributes the gains to the success of Medicaid and the Children’s Health Insurance Program (CHIP) in reaching uninsured children.
“Medicaid and CHIP are examples of federal-state partnership programs that work,” said Joan Alker, author of the Georgetown University CCF report. “Together they are improving health insurance coverage for children and are a testament to what states can accomplish when they lean in and work with the federal government to meet the needs of their residents.”
The Georgetown University CCF report found that in the state of Texas, about 84 percent of children had coverage, which is not as high as the 98 percent coverage rate for seniors, but better than the coverage rate for adults ages 18-64 in 2012. About two-thirds of working-aged adults have health insurance. Many of these adults fall into the so-called coverage gap, which means they would be eligible for Medicaid coverage if and when Texas accepts federal funds to improve that vital federal-state partnership.
A national survey released along with the Georgetown University CCF report found that getting all children covered is important to Americans. Almost nine out of ten (88%) surveyed said they wanted all children in their state to get covered.
“The truth is, as of this fall, nearly every Texas family can find health coverage for their children that fits with the family budget, now that new options are opening up in the Health Insurance Marketplace,” said Clayton Travis with Texans Care for Children. “That’s good news for everyone, as more kids will be able to stay healthy, show up for school and get ahead in life when they have the coverage they need.”
Families interested in finding out if their children qualify for Medicaid, CHIP or financial support with a new health plan in the marketplace should visit HealthCare.gov or call (800) 318-2596.
For earlier data from 2009 and 2011, read the Georgetown University Center for Children and Families prior report here.
Written by: Christine Sinatra, Texans Care for Children. Cross-posted at State of the Children blog.
Last Friday was a historic day in mental health policy. The final rules were issued for the Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act, which was passed back in October of 2008. Consumers and mental health advocates have awaited these rules because they clarify and help reinforce provisions of the law that require mental health and substance use services to be covered the same way other health services are.
This is a big deal. Treating mental illness the same as physical illness means a lot more people will be able to get the mental health services they need without today’s red tape or outright denials from insurers standing in their way. By doing away with the artificial barrier that has been separating physical and mental health, the rules will also help reduce the stigma continuing to surround mental illness.
So what exactly do the rules, which go into effect for group and individual plans in July of 2014, do and how are they different from what came before?
- The final rules removed some confusing language currently in regulations that lets plans make distinctions between medical/surgical and mental health/substance use benefits if they meet “clinically appropriate standards of care.” The Department of Health and Humans Services determined that language to be too vague, unnecessary, and subject to abuse and said there’s enough flexibility to allow for the right standards of care to be in place across the board.
- “Intermediate levels of care,” such as residential treatment or intensive outpatient treatment, fall under the final rules on parity, so if health plans cover similar levels of medical/surgical care they need to do so for mental health and substance use, too.
- The expanded definition of “non-quantitative treatment limitations” means that insurance companies must provide enrollees similar access to mental health providers, based on geographic location and facility types as physical health providers.
- Final rules clarify a participant’s right to certain information, including knowing what qualifies as a medical necessity, and, if the participant is denied services, how that determination was made.
How does all this wonky talk affect someone with a mental health concern?
For those who have been denied care, these new rules will make a world of difference. (Others whose health plans were already up to the standards in these rules won’t see much of a change.) A patient may be able to receive more comprehensive, medically appropriate care for their diagnosis, even if earlier on it was denied because it was deemed too expensive by their insurance company. Many mental health and substance use treatment supports (such as rehabilitative, residential and intensive outpatient services) will have fewer superficial limits, so people can access treatment and will be able to get the right type of care for them. Additionally, health plans are being held to higher accountability standards for mental health provider access. Finally, if you are denied a mental health or substance use service, you will have more information at your disposal to determine if it was a violation of parity.
The rule definitely doesn’t answer all questions regarding an individual’s treatment needs. There are limitations to the scope of the mental health parity law and its rules. For instance, while the law’s statutory principles apply to Medicaid managed care organizations, alternative benefit plans and the Children’s Health Insurance Program (CHIP), the final rules do not. The Center for Medicaid and Medicare Services intends to issue additional guidance to help states enforce the parity law in their Medicaid programs sometime in the future.
One thing is certain, though: we are moving in the right direction. Our health care system is being shaped by policy that improves a person’s whole health – both mind and body.
Written by: Clayton Travis, Texans Care for Children. Cross-posted from State of the Children blog.
Here at Texas Well and Healthy we are always striving to produce easy-to-understand materials about health care reform. Our partner KidsWell knows a thing or two about providing informative and clear resources on the Affordable Care Act—their brightly colored and highly visual website does a great job of sharing resources on children’s health coverage and the ACA. Their website includes state-by-state summaries of health care reform implementation and campaigns impacting children’s health and relevant weekly highlights from all fifty states.
Visuals are often key in comprehending large amounts of data. KidsWell’s National Spotlights feature provides interactive maps showcasing developments in health policy reform that are particularly relevant to advocates with an interest in child health. KidsWell also has a powerful health care reform search tool that will help you find all the latest health care reform information. You can search by keywords, state, topic, issuing agency and other criteria. Their database is updated each week so you know you’re getting accurate, recent data.
Additionally, KidsWell coordinates over 30 children’s advocacy organizations (including us) who are working to increase health insurance coverage for our nation’s children and families. By helping advocacy organizations work together, and by using this website as a health reform information hub, KidsWell is building a lasting legacy of healthy children.
Texas Well and Healthy is proud to be a featured partner of the KidsWell Campaign this week. You can see where we are highlighted on their website’s homepage. Take a moment to visit the site and check out their resources. You won’t regret it!
Written by Liz Moskowitz, Texans Care for Children
On October 1, millions of Texans will be able to shop for affordable health care options through the new Health Insurance Marketplace. Though many people will access the Marketplace online, some of us may feel more comfortable meeting with someone in-person who can answer any questions we may have and help us better understand the new enrollment process. We spoke to some folks in Austin who will work with the nonprofit Foundation Communities, which has opened up two enrollment centers that are free to the community. They will be Certified Application Counselors during the six-month enrollment period that starts this week. For more information about people and places available to help in your area, find resources at LocalHelp.Healthcare.gov. (Note: This site is still being updated, so if you don’t find information for your community today, be sure to check back regularly.)
Name: Josh Rabinowitz
What would you tell people who are considering visiting an enrollment center?
A couple of years ago I broke my collarbone playing touch football. The surgery I needed cost $30,000. Since I had insurance, it only cost me about $5,000. That’s the difference. I didn’t really believe in insurance until then, or realize why I might need it down the line. But you just never know.
Why are you volunteering to help people enroll in coverage?
I think the best way to figure out if the Marketplace is a viable option is to do the best job we can with it, and go 100%. You can’t make that decision by putting people in a position to fail.
I also wanted to learn more about the Affordable Care Act for personal and professional reasons. My partner has a pre-existing condition, and his risk pool insurance plan will be ending January 1st. He’ll be looking into health care options on the Marketplace, and I’m going to look for myself, too. I also own a small business in the medical industry, and I want to make sure I understand the law’s provisions that will impact aspects of my business, like reimbursability for devices and treatments.
How would you complete this sentence? Health coverage means . . .
Preparing for the unexpected.
Occupation: Project Manager in the tech industry
Why did you want to volunteer to help people enroll in the Marketplace?
I think the Affordable Care Act is really beneficial to the community. It has many pluses and can cover a lot of people who currently have no health insurance. I believe in it and thought volunteering would be a good way to give back to the community.
Will you be checking out the Marketplace?
I get some help with health coverage through my job, but I do have to pay, too. I will at least investigate the Marketplace to see what my options are.
Are you excited for October 1?
I am excited. It’ll be nice to finally be able to see the Affordable Care Act in action and see people getting enrolled.
What would you tell people who are considering visiting an enrollment center?
You can come in and see what your options are without having to make any commitments. Everything is confidential, so you don’t have to worry about anybody getting a hold of the private information that you will provide.
Why do you think it’s important that so many people have health coverage?
There is such a high percentage of people, especially in Texas, who don’t have health coverage, and it costs society a lot. If as many people as possible have health insurance, we can all pay for our fair share and have access to preventive care and other health services.
How would you complete this sentence? Health coverage means . . .
Name: Elizabeth Colvin
Occupation: Director, Insure Central Texas
How will the Insure Central Texas locations help people? Why should people visit?
Our Insure Central Texas centers are a place for people to drop in, ask questions about the new healthcare law, and get in-person assistance with understanding the new health insurance plans and what they will cost. Our trained volunteers are ready to answer questions, walk people through the online Marketplace, and help people fill out the application to obtain health insurance and financial aid that will reduce the costs. We are open to serve the community and are here for just about anyone – the person who is shopping for insurance for the first time, a musician or free-lancer working without health benefits, or a single mother who doesn’t have insurance through her employer.
How would you describe the volunteers to someone unsure of visiting an enrollment center?
Our trained volunteers are volunteering their time to help individuals and families in Central Texas figure out how the new healthcare insurance laws work and what insurance will cost. Our volunteers are official Certified Application Counselors and participated in an on-line training and additional training by Foundation Communities. Most importantly, our volunteers have no agenda other than helping people in Central Texas. They aren’t trying to sell anything and have no association with insurance companies. They want to help each individual and family learn about how the new laws impact them and what insurance options and financial aid are available for their personal situation.
Why are you excited about the Marketplace opening October 1?
For the first time in Texas, insurance companies cannot deny you coverage for a pre-existing condition or chronic health issue. The Marketplace will give families who previously couldn’t afford insurance the opportunity to obtain a good health insurance plan and possibly receive financial aid to reduce the cost. We all have friends and family members who are working without insurance and live with the worry of being uninsured. Having quality health insurance gives you peace of mind and the ability to manage your health.
How would you complete this sentence? Health coverage means . . .
Without health insurance, an unexpected illness, a long-term condition, or an accident can result in years of medical debt for a family. No family should lose all their savings or go bankrupt just because a loved one gets sick.
Note: Starting October 1, Insure Central Texas centers will be open 7 days a week at two convenient locations. No appointment is needed. Visit InsureCentralTexas.org or call 2-1-1 (option 1) and ask for information on Insure Central Texas.
Written by: Liz Moskowitz, Texans Care for Children.
The Health Insurance Marketplace is about to open up to millions of Texans on October 1!
You can actively use social media to encourage your friends, family, and online networks to check out the new Marketplace at healthcare.gov to see what kind of health care options for which they may be eligible. Twitter and Facebook are great ways to reach out to those you know to tell them about this amazing opportunity.
We have put together a social media toolkit that can help us all spread the word. But, it will only work if we all take part. Below are some highlights from the toolkit, plus more, that you can share with your friends, family, and online community.
Use the hashtag “#LetsEnrollTX” for all your tweets about enrollment.
There will be a live tweetchat from 12 – 1 p.m. CST on Tues, Oct 1 to discuss the Health Insurance Marketplace open enrollment. @MomsRising and @TXWellHealthy will host a discussion about it and you can join using the hashtags #GetCovered and #LetsEnrollTX.
Example tweets for October 1:
- “The new Health Insurance Marketplace is here! Explore your new, low-cost health care options at www.HealthCare.gov #LetsEnrollTX”
- “RT if you’re thrilled that millions of Texans now have new, affordable health care options available to them starting today! #LetsEnrollTX”
Example Facebook post:
- “Exciting news: The Health Insurance Marketplace is now open! The Marketplace provides Americans with a new way to compare and shop for health insurance that fits their budget. You can visit healthcare.gov for more info. What does getting covered mean to you? Let us by know commenting below.”
- Use several Marketplace images we made to make your posts more visual and prominent. Just right click on each image, and save it to your desktop.
POST A PICTURE OF YOURSELF HOLDING A SIGN
- Post a picture of yourself holding a sign that reads “Getting covered means ________.” Please complete the sentence with what coverage means to you and your family! The words on the sign should be in big letters and easy to read. Tweet with hashtag #LetsEnrollTX and share on Facebook, too.
- For those of you who plan to be at enrollment sites and have the opportunity to speak to Texans getting enrolled, you can take their picture or video too. Or interview your friends and family! Go to our toolkit to find out more.
SEND US WHAT YOU HAVE
- If you have completed photos, videos, interviews, please email what you collect to email@example.com. We will share all the information on a Tumblr blog, as well as use it for various other media purposes.
Posted by Liz Moskowitz, Texans Care for Children.
Until recently, the options for how the unbanked would participate in the Marketplace were unclear. However, on August 28 the Department of Health and Human Services issued a final rule requiring insurers to accept various forms of payment, including paper checks, cashier’s checks, money orders, EFT and general-purpose prepaid debit cards, so that families without checking accounts won’t lose the opportunity to purchase the insurance required by law.
Under the Affordable Care Act (ACA), over 2.5 million Texas residents are expected to qualify for tax subsidies that can be used to purchase insurance through the Marketplace. However, 29 percent of uninsured households in Texas have no checking or savings accounts and are effectively “unbanked,” according to a report by the tax firm Jackson Hewitt.
These new ACA rules have resulted in insurers accepting a broader variety of payment options, and in the process shed new light on a primary cost of being unbanked – the exclusion of unbanked families from certain products and services. Having a bank account is an essential on-ramp to other financial products that help families reach financial stability such as an emergency savings account.
Fortunately, programs in some Texas communities are helping the unbanked open bank accounts, including local Bank On campaigns and tax-time savings opportunities offered through some Volunteer Income Tax Assistance (VITA) programs. Local Bank On campaigns, typically coordinated by local governments with “backbone” nonprofits, are public/private partnerships that reduce common barriers for individuals to get a bank account. Four Texas communities – Dallas, Houston, Central Texas and the Brazos Valley – have Bank On campaigns. Some VITAprograms, including those participating in the OpportunityTexas Tax-Time Savings Project,also help families open savings accounts, encouraging families to save a portion of their tax refund into their newly opened account.
While all these programs are a great step to expanding access to the financial mainstream for these families, we can do more. The potential enrollment of unbanked families into health plans presents an opportunity for insurers and groups promoting health insurance enrollment to also promote bank account enrollment through collaborative efforts with local Bank On and tax-time savings campaigns.
In addition, opportunity exists for VITA and other programs providing financial stability services to help families enroll in health plans through the new Marketplace – one local example of this is Foundation Communities’ Insure Central Texas program. Click here to learn more about Foundation Communities’ efforts!
Written by: Lauren Rosen and Lauren Stebbins, Center for Public Policy Priorities. Cross-posted from the Better Texas blog.
Starting October 1, 2013, Texans will have the opportunity to sign up for new health care coverage options through the Health Insurance Marketplace. Coverage for new enrollees will begin as early as January, 2014, and will include a number of new consumer protections.
We know navigating health insurance plans can be daunting and the terms used can be confusing at times, so we thought it’d be helpful to review some of them before open enrollment begins in a few weeks. Let’s get started with four important “Insurance 101” concepts.
1. Premium – A premium is the fee that you pay to participate in your health insurance “plan” or “policy.” You or your employer may pay it on a monthly, quarterly, or yearly basis. Starting in 2014, the federal government will offer premium discounts (through tax credits) to qualifying low- and middle- income consumers shopping in the individual Health Insurance Marketplace to help make insurance more affordable.
2. Deductible – A deductible is the amount you pay out of your own pocket for health care services before your insurance company will begin to pay its share of your health care claims. Each year, a consumer must typically pay some kinds of health care bills up to the amount of his or her health plan’s deductible before the insurance company will begin to contribute. Most preventive services, like check-ups and many screening tests, are the exception: they are paid for in full by the insurance company regardless of whether the enrollee has met the yearly deductible. Deductibles are a form of “cost-sharing” between the enrollee and the insurance company. Starting in 2014, the federal government will offer cost-sharing reductions to qualifying low-income consumers to help reduce out-of-pocket costs such as deductibles.
3. Copayment – A copayment is the amount you must pay out-of-pocket at the time you receive a medical service or a prescription drug. This is another form of “cost-sharing,” and may be reduced in size by federal cost-sharing reductions for qualifying low-income consumers in 2014.
4. Pre-existing Condition – A pre-existing condition is any medical problem or illness that you had before applying for health care coverage. Starting this October, applicants can no longer be denied coverage or charged more based on their medical history, and insurance companies can no longer impose pre-existing condition exclusion periods (in which treatment for pre-existing conditions is not covered for a number of months following enrollment).
Have additional questions about insurance jargon? Check out these helpful resources:
And be sure to visit www.healthcare.gov to learn more about the Health Insurance Marketplace and to prepare for October open enrollment!
Written by Megan Randall
This piece is cross-posted from the BETTER TEXAS Blog by the Center for Public Policy Priorities. The CPPP health care team will be posting several times per week leading up to Oct. 1. as part of their “Countdown to Coverage” blog series.
The biggest news with health insurance in the 2013 legislative session is what did not pass. Before it started, I hoped the session would help prepare Texas for big changes to the health insurance market in 2014—changes that are coming whether Texas is prepared or not! For the most part, that didn’t happen.
The Legislature missed a big opportunity to better protect health insurance consumers by letting our Department of Insurance (TDI) deny rates that are excessive (no, TDI cannot do that today). HB 2782 by Rep. Smithee (Sen. Watson was the Senate sponsor) would have brought TDI oversight of rates for health insurance more in line with its oversight for most other types of insurance consumers buy—TDI can take action on rates for home, auto, title, credit, farm and ranch, mortgage guaranty, long term care, umbrella, Medigap, and more. Health insurance is one of the most expensive and most important products businesses and families buy. But Texas law treats health insurance like an exception when it comes to consumer protection, not the rule. HB 2782 had substantial support in the House, but failed to get a vote in the Senate State Affairs Committee.
At least for the next two years (but hopefully not beyond that), Texas businesses and families will lack the assurance that the premiums they pay for health insurance are fair and justified. This is a particularly bad time to tie the hands of a regulator. Not only is federal money available right now to pay for state-level rate review, but also next year, the Affordable Care Act (ACA) will change the way health insurers set premiums. For example, insurers will no longer be able to charge more to people with pre-existing conditions or charge women more than men. With sweeping market reforms coming in 2014, 2013 was the time to equip TDI with the tools to protect consumers.
Speaking of sweeping market reforms, another thing that didn’t happen this session was to prepare our insurance market and TDI for 2014. TDI lacks clear authority to enforce impending ACA consumer protections, such as no more pre-existing condition exclusions. The Legislature did not ensure that insurers could look to TDI for clarification and consumers could look to TDI for protection when all of the new ACA provisions take effect in 2014. Perhaps the Legislature followed TDI’s lead—a discussion of how to prepare the agency, insurers, and consumers for sweeping market changes was notably missing from TDI’s pre-session recommendations to the Legislature. Texas consumers are now left in the position where the refusal of TDI to be as proactive as possible when it comes to 2014 changes means that we may have to turn to federalregulators to address our concerns, questions, and complaints about insurance products licensed by TDI and sold in the state.
So what did pass? SB 1795 by Sen. Watson will create standards for Navigators in Texas’ federally-facilitated Marketplace and SB 1367 will wind down the Texas Health Insurance Pool (high risk pool) in 2014 when the ACA creates a range of more affordable options in the new Marketplace. Both of these good bills prove that the Texas Legislature has the ability to react to the Affordable Care Act in a manner other than just sticking its head in the sand. But health insurance oversight is yet another area in which our elected representatives missed important opportunities to serve the public.
This piece is cross-posted from the BETTER TEXAS Blog, a blog by the Center for Public Policy Priorities.
When Texans with mental health concerns receive help, our communities, families and businesses all benefit. That’s why it has been great to see our legislature improve public investments in mental health during the 83rd Legislative Session.
Funding our public mental health system is a real step forward, but it is only part of the solution when another important opportunity exists. Our state legislature had a chance to address perhaps the biggest barrier to wellness for hundreds of thousands of Texans with mental health concerns: a lack of health insurance that keeps them from getting the treatment and services they need. Our state could have produced a plan to accept federal dollars for about 1 million uninsured Texans, so that they would have a health insurance option. Unfortunately, this never happened and politics were placed over people.
Whole communities will benefit if we develop a solution to cover more Texans with available federal dollars. Right now, unmet mental health needs cost Texas businesses an estimated $270 billion in lost revenue each year. The public spends another $13 billion addressing mental illness and substance abuse. Access to ongoing treatment and services make all the difference in whether Texans with unmet mental health needs succeed at work, in school and in the community.
Rejecting the funds altogether will only put more pressure on our state funded systems. A vast majority of uninsured Texans who use our public behavioral health system for mental health and substance abuse services would be covered if Texas were to accept these federal funds next year. It is the efficient and right choice for our state, and the governor should make sure this is addressed before the year’s end.
New research shows the key role of coverage in mental health. In Oregon, an unusual circumstance led to a lottery system where some, but not all, uninsured people could get covered through Medicaid. When researchers compared the groups with and without coverage, they found the population that had health insurance had a 30 percent lower rate of depression than the uninsured group. That real and sizable improvement followed better access to health care.
It isn’t too late for a solution, but with every month after December that we stall, lives and dollars are lost. Let’s not make Texans wait and make our public mental health system pay more. There’s a way to address the need and help more people reach their full potential from day one of the new year.
Written by Clayton Travis, Texans Care for Children