Originally Posted by Times
"There are about 84 million Americans who are covered by either Medicaid or Medicare," says Kristina Newman of the Kaiser Family Foundation. "But there are about 40 million uninsured people who are not quite old enough or poor enough to qualify. If they have a serious accident, they're really up a creek." Perhaps an additional 10 million to 15 million people have some coverage but not enough--belonging to plans that offer not much more than the basics. For them, a little insurance can be almost as bad as none at all. "Sometimes we tell people simply to stop working and spend all their money," says Mehmet Oz, the director of the Cardiovascular Assist Device Program at Columbia University's College of Physicians and Surgeons in New York City and a technical adviser for John Q. "Then at least they qualify for Medicaid."
Even barebones policies ought to cover "medically necessary" procedures (a term that can be slippery), and in many cases, coverage doesn't dwindle as hours do, though such workers may be required to pay more to maintain the policies they have. Yet no one disputes that the health-insurance safety net remains badly frayed. "There are many people who still fall through the cracks," says Ray Werntz, of the Employee Benefits Research Institute