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Running Head :Childrens Health Care Insurance

Community Problem Report : Childrens Health Care Insurance


University of Texas at El Paso
RWS 1301
November 1 2015
Enola Quijas

Running Head :Childrens Health Care Insurance


When parents decide to have children many obligation and adjustments need to be made
such as providing their children with healthcare insurance the minute the child is born. Being
able to provide insurance for children has been an issue in many communities especially El
Paso , because although there is many organization known , many parents arent informed as
well as they should be , a other issue is that many children arent qualified . Based on families
income background or medical background that is how the system of the organization select who
is qualified, in the scenario the child is not qualified there is the last option of Obama care but its
doesnt offer the same benefits. Children are a previous gifts and needs all the care they can get
the children are the future but there should be awareness of many children arent qualified for
these special benefits that are provided by certain organization , how it is not fair that many
families arent able to finically support their children because of their income . It is not fair that a
medium wage families can barely manage to have food on the table and the government excepts
them to have enough money to pay for medical bills and always having that stress and the worry
of their children. This report will cover the importance of having insurances and the benefits
expects , how to be part of the organizations , and how within time how insurances have changed
for children and what might be the positive change people might do to help the children.
Parents are responsible for their children , what the parents do it reflects on their children.
There are two different types of organizations of childrens insurance that parents can apply for
Medicare and CHIP these programs are under the El Paso First association , it is specifically for
the children in El Paso . To apply to these programs the parent must fill out an application stating
what their income is , how many children do the parents have, the general information, with
providing the information there will be a interview assigned to the parent that they must attend to
get the final decision if the children qualify, if the child qualifies they are promised with benefits

Running Head :Childrens Health Care Insurance


or anything medical to be fully covered by the government. With having the whole medical
needs covered more than 99% of the children had a regular source of medical care about more
than 85 % had regular dentist checkups ,up from 89%and 60% respectively. (Lave et al .,1998).
Pediatricians have a certain system where the children who are covered with medicare are
separated from the other un-insurance children ,because the doctors get paid in a different way.
all though theres good money with being a pediatrician they mostly focus on what they studied to
do which was help children through out the years. Todays children are increasingly burden by
conditions the create chronic need and that require a whole -child.(Well 2014). Having kids with
chronic illnesses or diseases is a lot of pressure for the parents , because if they arent finically
able to pay for the treatments or even be able to put food on the table and the parents work
double shifts or even work two jobs they need help , and luckily the government offers money
for those who are in need. Many children have suffered through a lot because of their finical state
they might be in, According to Protecting Americas Children and Families it is said that it is
hard for Americans to survive in minimum wage and be able to cover all expenses, it also states
how pediatricians and the board of congress have a meeting on how CHIP and Medicare has
helped children all around Texas and other states and the number of children that have insurance
has only increased by hundreds every year and children are healthier than ever and well just keep
extending the number in a positive way. Although there is a positive affect on having children
insurance there is also negative parts to having insurances, but this problems should be made for
awareness in our community and it should change for problems to solutions, for example since
the families under insurances dont pay a percentages of the taxes americans pays goes towards
that not specifically to CHIP or Medicare but it goes back to the government and it is dived to the
doctors , specialist , dentist, etc.. That it way many wealthy americans are against help from the

Running Head :Childrens Health Care Insurance


government and cause problems because of a certain judgment that they believe that if they dont
need it why pay for it . Many Americans have a certain mind set that the people who are under
the help of the government are taking advantage of what is offered to them , but because those
americans have not experienced what other families have been through , and it has been huge
problem but people need to pay their taxes if they dont its against the law . A other issues that is
dealt with is that even though the programs offer the children insurance it is not always guarantee
a full coverage there is a limitation of when the childrens insurance is expired which is when the
child is when the adolescent turns 19 , even though being 19 years old the state considers the
adolescent to be an adult they are not economically able to fully support themselves. and the
insurance is taken away from them and being 18 still mean health wise the adolescent tend to
still get chronic illnesses and theyre bodies are going though hormonal changes and still need
medical attention and all the help they can get . A possible solution to this is that the insurances
should do a background check only provide to who are in fully need of it until they turn the age
of 21 where the adolescents are fully adults and can manage to provide for themselves that well
help a lot of individuals ,because situations are hard and some people and families need a little
extra help. According to research by Cutting Deep about 159, 114 kids were cut and left with no
health insurance by 2003 this is a other issue because of over population as many children are
born and need the help ,many are kicked of the insurance programs because the government
cant fully support them anymore most of the children or go to CHIP after Medicare because
even though its not full coverage on the medical bills at least the parents pay minimum of what is
needed to be paid , this is a system to help the issue of overpopulation it is a solution .
The main purpose for Medicare and for CHIP is to help the children grow and be healthier
than ever . Pediatricians spend many years in medical school to be able to make that possible no

Running Head :Childrens Health Care Insurance


matter what the situation is , the
doctors are there to help the children
, because they are the future in this
world so what happens to them is
what happens to the world .It is
important to care for the children
there is always going to a way to
help out the families in need it is
just the effort the parents need to
make to keep their children healthy . Unfortunately many children cannot be covered fully by
Medicare , but there the second option is CHIP were its minimum payment there is always a
second choice. El Paso has been such a successful association and has saved millions of children
from illnesses even death , even if most americans believe other wise there should be awareness
that many children have been denied for the insurance because of poor judgement and even with
time it might even shut down but what would be the resolute of that there will be less children in
this world and that should never happen , because no one should loose their child because of
something that could be fixed, childrens healthcare insurance is a positive organization and the
cost is minimum , there should just be more supporters to make a bigger association to provide
more help.

Abstract: Childrens healthcare insurance has always been a controversial issue with
americans debating rather if or no it is effective and why should americans buy for it if most
dont need to use it . Throughout many year Medicare and CHIP has helped about a million

Running Head :Childrens Health Care Insurance


children overcome cold , disease , even life death illnesses . There has been issues where children
can not be covered fully by insurances but there is possible solutions to the issues . The children
are the future to this world and they should be healthy to make the best out of it .

References
Brown, J., & Brown, W. (2001). Implementation Principles and Strategies for the State
Children's Health Insurance Program. Pediatrics, 107(5), 1214-1220.
Colloff, P. (2004, December 30). Cutting Deep - Texas Monthly. Retrieved October 18, 2015.

Running Head :Childrens Health Care Insurance


Lave, J., Keane, C., Lin, C., Ricci, E., Amersbach, G., & LaVallee, C. (1998). Impact of a
Children's Health Insurance Program on Newly Enrolled Children. JAMA, 279(22),
1820-1820. doi:10.1001/jama.279.22.1820.
Markus, A., & West, K. (2014). Defining and Determining Medical Necessity in Medicaid
Managed Care. Pediatrics, 134(3), 516-522. doi:10.1542
Olson, L., Tang, S., & Newacheck, P. (2005). Children in the United States with Discontinuous
Health Insurance Coverage. New England Journal of Medicine N Engl J Med, 382-391.
doi:10.1056/NEJMsa043878
Smith, C., Cowan, C., Sensenig, A., & Catlin, A. (2005). Health Spending Growth Slows In
2003. Health Affairs, 24(1), 185-194. doi:10.1377/hlthaff.24.1.185
The Children's Health Insurance Program: Protecting America's Children and Families. (2014,
September 16). Retrieved October 18, 2015, from
http://www.gpo.gov/fdsys/pkg/CHRG-113shrg94479/pdf/CHRG-113shrg94479.pdf
Well, A. (n.d.). Caring for Children. 33(12), 2094-2094. doi:10.1377/hlthaff.2014.1291

Exercise #3: Designing Your Community Problem Report


Answer all of the following questions in full sentences with as much explanation as possible
(about 75 words for each answer). If you cannot fully answer a question in the list, do the
research you need to do in order to answer it.
1. What background information will you include?
The background information that I did for my research was I looked up why childrens health
care insurance was a problem in many communities , I looked up for the evidence that supports
and helps the argument of how its become a problem throughout the years the association been
dealing with. I also used personal experiences that parents and children have gone through and
how having insurance has helped them recover and help their child overcome the illnesses they

Running Head :Childrens Health Care Insurance


had. It just helped me prove my point with the research I got and I could use.
2. List the major points that your report will make.
The major points my report will make is why is it important to have insurance for the children
what how it has helped families through out time, How doctors respond to the difference
between of children with insurance and with out it , what is the main purpose of the actual
Children Insurance , and why is it important to have the children of american healthy, a major
purpose of my report that i will be addressing is why should El paso be concern with the
problems that come with the childrens insurance .
3. Develop a logical order for these points.
Fist I would say why is Important for the children to have insurance and what are the benefits
that are provided and the how doctors respond to the child with insurance with the one without it
how the system within the programs are different , then i will explain why is it important to have
children alive and healthy and there is different issues with this subject and the possible solutions
and at the end why it is important for people to be aware of this.
4. Explain how you will transition from one point to another.
I will make a certain flow staring with all the positive outcomes and how even possible to cover
the children and how many parents are gratefully for it then i will explain a issue then a possible
solution then do that through out the whole report because not everything is perfect there has to
have some imperfections then at the end , end with a positive and responsible ending.

5. Describe the visual you will use for your report. Why this visual? The first Visual I choose is
stethoscope shaped as a heart , because eve though the government provide the help the doctors
have a huge impact in this , because they are the ones who receive the child and try to help them
out and they do the regular checkups and the doctors are the heroes they have saved millions of
patients with insurance or without it . My second Visual I choose was a little girl playing doctor
taking care of her teddy bear it reflects of what the doctors have been doing to the children an d it
has inspired some children to pass on the feeling even maybe the kids when they're older want to
become doctors because since doctors helped them they might would want to do the same.

6. Describe how you will conclude your report. Why should the audience care or pay attention to
this? The I choose to conclude my report was describing that there is always help for those who
are in need but all the parents need to do is actually go and find help and I also described why it
is important for the children to be health and how they are the future of this world and , without
the children the world will be become a dark place like how it waist the great depression when
the association of Childrens Insurance actual started.

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