Trump Administration Proposes Eliminating Protections For Transgender People In ACA

The Department of Health and Human Services has announced a proposal to end Obama-era rules protecting transgender people from discrimination in health care.



RACHEL MARTIN, HOST:

The Trump administration wants to redefine the word sex, at least in terms of the Affordable Care Act and who gets protected from discrimination. With us now to explain, NPR’s Selena Simmons-Duffin, who is following this. Thanks for being here, Selena.

SELENA SIMMONS-DUFFIN, BYLINE: Hi.

MARTIN: So explain this. We’re talking specifically about transgender people – right? – and what kind of health care they can receive.

SIMMONS-DUFFIN: Well, in 2016, the Obama administration put out a rule that defined sex to include gender identity and added that as part of the Affordable Care Act. So the rule redefined discrimination on the basis of sex to include termination of pregnancy or pregnancy and gender identity. So it defined that as one’s internal sense of being male, female, neither or a combination of male and female. And that would’ve allowed people who had complaints of discrimination on those bases to bring complaints before the Health and Human Services Office for Civil Rights…

MARTIN: Right.

SIMMONS-DUFFIN: …Which is what fields these kinds of complaints. But the provision never took effect because of two lawsuits that resulted in injunctions. And Roger Severino, the director of the office in the Trump administration, says the new proposal will remove the gender identity language. And that probably makes those lawsuits moot.

MARTIN: OK, but what is the problem the Trump administration is trying to fix here?

SIMMONS-DUFFIN: So Severino was asked that on a press call today. He said if the lawsuits – basically, if the lawsuits had not been successful and the definition was allowed to take effect, it would’ve created billions of dollars in paperwork expenses – he says $3.2 billion over the next five years – to notify people of their rights under the rule and to process their complaints. And part of that, he said, were printing costs and things like translation and the cost of grievance procedures.

More broadly, they say they’re just returning to a plain understanding of the meaning of the word sex – in other words, biological sex or sex at birth.

MARTIN: So it sounds like it was preemptive in nature. It has to do with whether or not those lawsuits were going to go through, and they’re not anymore. And then this other, more philosophical idea of what sex means – I mean, what does this signal to transgender people?

SIMMONS-DUFFIN: So advocates for trans people were expecting this, and they’re already reacting this morning. They say in addition to making it more permissible for health care workers to discriminate against trans people, it could discourage them from seeking care in the first place, which could have serious health impacts.

MARTIN: Part of what they’re changing has to do with something called conscience rights, correct?

SIMMONS-DUFFIN: Right. So part of the definition of sex that’s being changed today would have prohibited discrimination based on pregnancy or termination of pregnancy. So this new rule, if adopted, would remove that protection as well. And Severino said that will protect health care providers who do not want to perform abortions or other procedures that go against their moral or religious beliefs.

MARTIN: Thus, conscience protections – conscience rights.

SIMMONS-DUFFIN: Right. Exactly.

MARTIN: So just briefly, why do you think this is happening now?

SIMMONS-DUFFIN: Well, this is what Severino really came in to do. He was formerly with the Heritage Foundation. He’s been very vocal about his religious beliefs and protecting those of others. He’s really shaping his Office of Civil Rights to emphasize the protections of health care workers’ moral and religious beliefs. And the changes today are part of that.

MARTIN: All right. NPR’s Selena Simmons-Duffin for us. Thank you. We appreciate it.

SIMMONS-DUFFIN: Thank you.

Copyright © 2019 NPR. All rights reserved. Visit our website terms of use and permissions pages at www.npr.org for further information.

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Disabled Woman Who Gave Birth At Care Facility May Have Been Impregnated Before

The family of the woman who was raped and then gave birth last December has filed new documents alleging she may have been impregnated before. They are seeking $45 million in damages.

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An incapacitated woman who gave birth after being a patient at an Arizona health care facility for more than two decades had been raped repeatedly and may have been impregnated before, her lawyers say.

In documents filed Wednesday, the 29-year-old woman’s attorneys cite a medical exam in alleging that she suffered multiple sexual assaults. The exam found that the birth of a baby boy last December was “a non-nulliparous event,” the documents say, meaning she may have been pregnant before.

The notice of claim, filed against the state’s Attorney General’s Office, seeks a $25 million settlement for the victim and $10 million each for her parents. If they do not come to an agreement within 60 days, the lawyers will take the case to court.

Separate cases are underway against Nathan Sutherland, a former Hacienda HealthCare nurse who has been charged with one count of sexual assault and one count of vulnerable adult abuse after DNA testing matched him to the baby.

A spokesperson for Hacienda HealthCare said notices of claim are not filed with private companies. He added that the company does not expect to see a copy of the claim.

The woman has been in long-term care since suffering a near drowning at age 3.

Employees at the facility said they were shocked when the woman who cannot speak or move without assistance went into labor. The delivery prompted investigations by local and state agencies into the care of vulnerable adults at the facility.

The Arizona Attorney General’s Office declined to comment but told NPR it is being represented by outside counsel.

The claim argues that “[t]he unspeakable atrocities perpetrated on [the victim] occurred as a result of systemic and individual misconduct and mismanagement at the Hacienda ICF-ID, and virtually non-existent oversight on the part of the State.”

Documents supporting the allegations in the claim include a handful of medical records from the facility describing the patient’s condition in November 2017 — a year before she delivered the baby. “She cannot maintain sitting without assistance. She is unable to stand/walk. … [She] does not make eye contact nor did she smile,” according to the report. It also noted that she did not respond well to light touch and that she is “tactilely defensive.”

An additional form appears to indicate that her family specified that it wanted only female staff to be responsible for the woman’s personal care, which includes dressing, bathing, use of toilet and menses care. It also indicates she was required to have 24-hour supervision due to physical and medical limitations.

According to the documents, the facility treated the woman’s “distended stomach with constipation medications and her significant weight gain by reducing her caloric intake.”

In all, her lawyers say, Hacienda HealthCare missed 83 opportunities to determine that the woman was pregnant.

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Sens. Alexander, Murray Release Health Legislation Targeting High Bills, Drug Costs

Sen. Patty Murray, D-Wash., the ranking member, and Sen. Lamar Alexander, R-Tenn., chairman of the Senate health committee, introduced legislation to address health care issues such as surprise medical bills and high drug costs.

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In a year already marked by a wide variety of congressional health care legislation, Sens. Lamar Alexander, R-Tenn., and Patty Murray, D-Wash., on Thursday released the details of a plan they hope will help bring down health costs and eliminate surprise medical bills for patients. Alexander and Murray are the chair and ranking member, respectively, of the Health, Education, Labor and Pensions Committee.

“These are common-sense steps we can take, and every single one of them has the objective of reducing the health care costs that you pay for out of your own pocket,” Alexander said in a statement. “We hope to move it through the health committee in June, put it on the Senate floor in July and make it law.”

It would be a mammoth piece of legislation, targeting nearly every area of the health care industry for reform, including surprise medical bills, prescription drugs, price transparency, public health and health information. Alexander said at a White House event earlier this month that he hopes to get the package to the Senate floor by the end of July.

“When you have a chairman and a ranking member that have worked together on a bipartisan package in the committee of jurisdiction, it always gives more weight to the product,” says Dean Rosen a former Republican senior health adviser and a partner at Mehlman Castagnetti Rosen & Thomas.

“Folks should take this package seriously,” he adds.

The draft bill released by the senators offers three options to curb surprise bills, those unexpected and often pricey bills patients face when they get care from a doctor or hospital that isn’t in their insurance network. It would use an independent arbitrator to settle disputes between insurance plans and providers and set a standard benchmark for physician pay, ideas that have popped up in other draft legislation circulating in the House and Senate.

The novel part from Alexander and Murray is the idea of an “in-network guarantee.” It would require that any hospital considered in-network for a health plan must promise that everyone working there is also in-network.

This would avoid situations in which patients choose a hospital because they know their insurance company will cover the bill, only to find out that one of the doctors they saw was out of network, leaving the patient with a hefty bill.

It also requires that labs and diagnostic tests be in-network, cutting off another avenue of surprise bills.

“From a policy perspective, there’s a rationale that this is the ideal approach,” says Loren Adler, the associate director of USC-Brookings Schaeffer Initiative for Health Policy.

Often called “network matching,” it’s an approach championed by the health insurance industry. James Gelfand, senior vice president for health policy for the ERISA Industry Committee, a trade group representing large employer benefits plans, named it specifically as a solution during testimony at a surprise bill hearing in the House Ways and Means Committee on Tuesday. Rep. Lloyd Doggett, D-Texas, has suggested something similar in bills introduced in this sessions and under the past two Congresses.

It’s possible that this option will upset physicians groups, as doctors risk receiving lower payments and having less leverage with insurance companies. Adler says these fears are mostly unfounded because hospitals have a vested interest in being fully staffed; they’ll step in if insurance companies try to lowball doctors.

Stakeholders such as industry trade groups, lobbyists and consultants will get a chance to air those concerns at a closed briefing on the draft on Capitol Hill on Thursday.

The Alexander-Murray proposal joins an array of efforts on surprise billing. The White House held an event featuring patients, several House committees have held hearings, and bipartisan groups in the House and Senate have proposed legislation, including a bill from Sens. Bill Cassidy, R-La., and Maggie Hassan, D-N.H. In addition to Alexander and Murray’s proposal, the details of another bipartisan bill were released Thursday from Reps. Raul Ruiz, D-Calif., and Phil Roe, R-Tenn., both also physicians.

But Alexander and Murray’s proposal also covers a wide array of issues, and it’s not clear how that will play in Congress just a few months from the start of a presidential election season.

“The steps we are taking on important issues like surprise medical billing, drug prices, maternal mortality, and vaccine hesitancy show we can make progress when both sides are at the table ready to put patients and families first,” said Murray.

“I think it is an ambitious package,” Rosen says. “I think it’s probably going to be a challenge to get all of this done.”

The Alexander-Murray proposal also tackles prescription drug pricing reform, another issue that has raised bipartisan concerns and spurred hearings across the Capitol this spring.

Instead of regulating drug prices, the package would address patent protections, making it easier for generics to get to market and harder for brand-name drugs to maintain exclusive patents for lengthy periods.

It also addresses pharmacy benefit managers, which have lately come under scrutiny in the drug pricing debate. PBMs act as middlemen between drugmakers and insurance plans to negotiate prices and have been blamed by some in the pharmaceutical industry for keeping medication costs high.

The proposal suggests requiring PBMs to give quarterly reports on costs, fees and information about rebates — which are the discounts drugmakers offer to PBMs in exchange for making sure their medication is covered under a health plan. The bill also requires that 100% of these discounts be passed on to consumers.

Other provisions include requiring health plans and providers to give patients estimates of out-of-pocket-costs for a service within 48 hours of a request and mandating that medical bills be sent within 30 days of a procedure.

The bill addresses a host of other health-related issues, including some making headlines recently:

  • Money for programs to educate people about vaccines and programs to reduce vaccine-preventable diseases.
  • Grants to study and improve maternal mortality and improve pregnancy and postpartum care.
  • Money for better training for health care professionals to prevent discrimination and bias.
  • Measures to improve privacy and cybersecurity for health information and electronic medical records.

Kaiser Health News is a nonprofit news service covering health issues. It is an editorially independent program of the Kaiser Family Foundation that is not affiliated with Kaiser Permanente.

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Surprise Medical Bills Are Driving People Into Debt: Will Congress Act To Stop Them?

Sen. Bill Cassidy, R-La., is co-sponsoring legislation with Sen. Maggie Hassan, D-N.H., to curtail surprise medical bills.

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Surprise medical bills — those unexpected and often pricey bills patients face when they get care from a doctor or hospital that isn’t in their insurance network — are the health care problem du jour in Washington, with President Trump and congressional lawmakers from both sides of the aisle calling for action.

These policymakers agree on the need to take patients out of the middle of the fight over charges, but crafting a legislative solution will not be easy.

A hearing of the House Ways and Means health subcommittee Tuesday, for example, quickly devolved into finger-pointing as providers’ and insurers’ testimony showed how much they don’t see eye to eye.

“I’m disappointed that all participants that are going to be here from critical sectors of our economy could not come to find a way to work together to protect patients from these huge surprise bills,” Rep. Devin Nunes, R-Calif., the ranking Republican on the subcommittee, in his opening statement.

As Congress weighs addressing the problem, here’s a guide to the bills and what to watch for.

Senate: Cassidy and Hassan

Last week, Sen. Bill Cassidy, R-La., and Sen. Maggie Hassan, D-N.H., introduced their version of surprise-billing legislation. It would set out specific protections for patients who are at risk of surprise bills in the following scenarios: receiving emergency care from an out-of-network facility or provider; getting elective care from an out-of-network doctor at a facility that is in the patient’s insurance network; or receiving additional, post-emergency health care at an out-of-network facility because the patient cannot travel without medical transport.

The protections would mean that people in these situations could not be billed by their health providers for amounts outside of what their insurance covered. Similar protections would also be put in place for laboratory and imaging services as well as providers who aren’t physicians, such as nurse anesthetists.

Patients would still have to pay their insurance plan’s usual deductibles and copayments, which would count toward their health plan’s out-of-pocket maximum.

Doctors would be automatically paid a predetermined amount based on what other health plans in the area are paying for a similar service. It’s called the “median in-network rate.”

House: “No Surprises Act”

On the House side, the “No Surprises Act” has emerged as the primary bill. Though it has not been formally introduced, drafts include many of the same protections as in the Cassidy-Hassan measure, including curbs on out-of-network bills for emergency care.

Co-authored by Reps. Frank Pallone, D-N.J., and Greg Walden, R-Ore., respectively the chairman and ranking member of the Energy and Commerce Committee, the measure would require health care facilities to provide 24-hour notice to patients seeking elective treatment that they are about to see an out-of-network provider. It would prohibit the facility or provider from billing patients for whatever amount their insurance companies did not cover for that service. And it would set provider payment rates based on the market in that specific area.

One key difference between the House and Senate proposals: The Cassidy-Hassan measure includes a mechanism by which health providers can challenge that basic median pay rate They would have 30 days to initiate an independent dispute resolution between only the health plan and the provider; patients would be exempted.

“The patient needs to be the reason for care, not the excuse for a bill,” Cassidy said at a press conference when the bill was unveiled.

The approach is often referred to as “baseball-style” arbitration because it’s the model used by Major League Baseball for some salary negotiations. Here’s how it works: The plan and the provider each present a final offer to an independent arbitrator for what the procedure should cost. The arbitrator then picks one of those two options.

Senate, coming soon: Alexander and Murray health care bill

The Senate Health, Education, Labor and Pensions Committee has primary jurisdiction over the way the federal government regulates employer-sponsored plans, and Chairman Lamar Alexander, R-Tenn., and Sen. Patty Murray, D-Wash., the top Democratic member, are preparing legislation.

That legislative package is being billed as a broader measure designed to address health care costs, which would likely include provisions aimed at surprise medical bills.

If Alexander does proceed on the broader path, his legislation could also incorporate elements such as curbs on drug pricing and price transparency, according to some industry lobbyists.

But this triggers concerns that expanding the measure’s focus — which could perhaps draw more opposition — could slow the momentum behind surprise-billing legislation.

“There’s a lot of other things going on that aren’t directly related to surprise bills,” says Molly Smith, the vice president for coverage and state issues at the American Hospital Association. “We’re paying attention to what else is getting glommed on.”

Alexander and Murray are expected to unveil details of their proposal Thursday. And, at a White House event earlier this month, Alexander said he would like to pass it through the committee by July.

That won’t be the end of players joining in the debate.

In addition to the House Education and Labor Committee hearing and possible legislation, Ways and Means health subcommittee Chairman Lloyd Doggett, D-Texas, is focused on this issue, having introduced surprise-billing legislation in the last three congressional sessions.

Issues to watch

Some Capitol Hill insiders, say arbitration provisions such as those proposed in the Cassidy-Hassan measure could become a hurdle to getting surprise-bill legislation over the finish line.

At the Ways and Means hearing, for instance, a representative from the trade group that represents employer plans called the idea a “snipe hunt” used by providers and hospitals to distract Congress from fixing the problem.

But the idea of the government setting payment rates for doctors is also sensitive. Groups such as the American Medical Association have pushed back on this idea.

“Proposals that use in-network rates as a guideline should be avoided,” said Dr. Bobby Mukkamala, an American Medical Association board member, in testimony to the Ways and Means panel. “Setting payments at these discounted rates would further disrupt the increasing market imbalance favoring health insurers.”

Cassidy, though, was optimistic at the press conference announcing his bill’s introduction.

“Greg Walden on the House side … said that he would be OK with arbitration, so obviously this is a process, we’re in negotiations,” he said at a press conference.

In fact, negotiations between the House and Senate versions of the proposed bills could lead to promising outcomes, says Claire McAndrew, the director of campaigns and partnerships at Families USA, a nonprofit group that advocates for accessible and affordable health care: “There could be an interesting potential to merge these two bills and do a really forward-thinking, consumer-friendly piece of legislation.”

What’s missing

Expensive air and ground ambulance bills have caused controversy in the past, but neither the Senate nor the House proposals appear to address them.

Helicopters are sometimes deployed to get patients in dire need to a hospital quickly, or to service patients in remote areas, often at exorbitant costs.

In addition, Smith, from the hospital association, says none of the bills address insurance network adequacy.

“At the end of the day, surprise billing happens because they don’t have access to an in-network provider,” Smith says.

At some point, legislators will also have to hammer out how the federal law will interact with the more than 20 state laws that address surprise billing, says Adam Beck, the vice president of employer health policy and initiatives at America’s Health Insurance Plans, or AHIP, the trade group representing health insurance plans.

Some states have stricter protections for patients, some use a different method to determine how doctors will be paid, and states want to preserve those extra protections when necessary.

“They’re not necessarily sticking points, but there are real questions they’ll have to figure out,” Beck says.

Kaiser Health News is a nonprofit news service covering health issues. It is an editorially independent program of the Kaiser Family Foundation that is not affiliated with Kaiser Permanente.

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The Struggle To Hire And Keep Doctors In Rural Areas Means Patients Go Without Care

For people living in the small town of Arthur, Neb., getting to a doctor can be a challenge. The nearest hospital is located about 40 miles away in Ogallala.

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Taylor Walker is wiping down tables after the lunch rush at the Bunkhouse Bar and Grill in remote Arthur, Nebraska, a tiny dot of a town ringed by cattle ranches.

The 25-year-old has her young son in tow, and she is expecting another baby in August.

“I was just having some terrible pain with this pregnancy and I couldn’t get in with my doctor,” she says.

Visiting her obstetrician in North Platte is a four-hour, round-trip endeavor that usually means missing a day of work. She arrived to a recent visit only to learn that another doctor was on call and hers wasn’t available.

“So then we had to make three trips down there just to get into my regular doctor,” Walker says.

This inconvenience is part of life in Arthur County, a 700-square-mile slice of western Nebraska prairie that’s home to only 465 people. According to census figures, it’s the fifth least-populated county in the nation.

It’s always been a chore to get to a doctor out here, and the situation is getting worse by some measures — here, and in many rural places. A new poll by NPR, the Robert Wood Johnson Foundation and the Harvard T.H. Chan School of Public Health found that one out of every four people living in rural areas said they couldn’t get the health care they needed recently. And about a quarter of those said the reason was that their health care location was too far or difficult to get to.

Rural hospitals are in decline. Over 100 have closed since 2010 and hundreds more are vulnerable. As of December 2018, there were more than 7,000 areas in the U.S. with health professional shortages, nearly 60 percent of which were in rural areas.

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In Arthur County, it’s a common refrain to hear residents talk about riding out illnesses or going without care unless the situation is dire or life-threatening. Folks will also give you an earful about what happens when they do visit a clinic or hospital. Because of high turnover, doctors don’t know them or their family histories and every visit is like starting all over again, they say.

“It’d be nice to have some doctors stay and get to know their patients,” says Theresa Bowlin, the lone staffer working at the Arthur County courthouse.

Arthur’s population has been in a slow decline for decades. No one knows for sure, but it’s likely the town hasn’t had a full time doctor since the 1930s, though there was a mobile health clinic that used to park on the highway once a week up until the 1990s. But it got too expensive.

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Bowlin says it’s a perennial challenge to find a doctor who knows the community and understands the cowboy mentality about health care common here.

“The younger doctors coming in, they really don’t know how a cowboy can go that long with pain and not come to the doctor until he absolutely has to,” she says.

A generational shift

There’s a changing of the guard going on in the health care industry, and its effects may be most apparent in rural America. As baby boomer doctors retire, independent family practices are closing, especially in small towns. Only 1% of doctors in their final year of medical school say they want to live in communities under 10,000; only 2% were wanted to live in towns of 25,000 or fewer.

Taking over a small-town practice is too expensive, or in some cases, too time-consuming for younger, millennial physicians. And a lot of the newly minted doctors out of medical training are opting to work at hospitals, rather than opening their own practices.

The CEO at the Ogallala Community Hospital in Ogallala, Neb., began offering $100,000 signing bonuses to attract doctors to the town.

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The nearest hospital to Arthur is 40 miles south in the town of Ogallala. Christopher Wong, 36, is one of just two family practice obstetricians at Ogallala Community Hospital, which serves a vast area of some 15,000 people spread across several counties.

Wong grew up in suburban Denver, about a three-hour drive away, but world’s apart from western Nebraska

“Most of the people I take care of out here are ranchers and farmers,” Wong says.

Wong first got interested in rural health care during med school, doing volunteer work in rural Louisiana after Hurricane Katrina. Still, working full time in a small town in rural Nebraska has been an adjustment.

One day, he did rounds at the hospital, saw dozens of patients at the clinic and signed a birth certificate for a baby he’d just delivered. He and the mother had to get a little creative, Wong recalled. She had a history of going into labor fast, but lives more than an hour’s drive from the hospital. Plus it’s calving season on her ranch. And she wasn’t sure her husband would be nearby — or available — to drive her to the hospital.

“So we brought her into the hospital when she was 39 weeks so we could induce her,” Wong says.

Christopher Wong (left) and Jessica Leibhart, are family practice physicians at Ogallala Community Hospital in Ogallala, Neb. Wong, who has worked at the hospital for almost three years, says he has no plans to leave. Leibhart grew up about fifty miles away from Ogallala and said she wanted to live in the small town.

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Being a doctor in a small town, you’re always on, even when you’re not. It’s not like you can just clock out and leave work. Wong will bump into a patient at the grocery store who politely asks about this ailment or that problem. Everyone knows him and there’s no anonymity. He’s also on call every other weekend.

“It’s very hard to get away,” Wong says. “It’s hard to separate it all.”

He has a girlfriend in Denver and tries to get down there when he can. But it’s a tough sell to convince a partner to move to rural Nebraska where there are few other young professionals or opportunities.

“I think that’s why it’s also hard to get physicians into rural practice because it’s hard to maintain a personal life.”

Burnout is high. Wong is approaching three years on the job in Ogallala and has no plans to leave. But it’s a constant worry for hospital administrators.

“Work-life balance is a big piece, they want to go home at some time,” says Drew Dostal, CEO of Ogallala Community.

Doctors like Wong, who do both family practice and obstetrics are already in high demand. Dostal even offers $100,000 signing bonuses to help ease their debt burden. It may get them out here for a few years, he says, but they’re usually lured away by other offers and rarely become fully part of the community.

“Physicians who have to move on to help get their debt paid off …[that] challenges patients as well,” Dostal says. “They want to know [their doctor], they want them to stay forever, but it just isn’t a reality in today’s health care.”

Social matchmakers

Dostal is currently looking for a third family practice doctor and could probably hire a fourth. Retaining doctors is key to keeping critical access hospitals like this one open. In the NPR poll, close to one out of every ten respondents said their small town hospital had recently closed.

Recruiting and retaining doctors is so pressing that hospital officials even try to become social matchmakers. If a doctor likes sports, for example, administrators may suggest they volunteer as team physician at the high school; or if they are an arts lover, they could volunteer on the planning committee for the local arts festival.

“If we don’t do a better job of doing that, there is a risk for rural places to lose their hospital, or lose their providers that are in that hospital,” says Dr. Jeffrey Bacon, the chief medical officer for three Banner Health hospitals in northeast Colorado and western Nebraska, including in Ogallala.

One out of every four Americans living in rural America said they had problems accessing needed health care recently, according to a new poll by NPR, the Robert Wood Johnson Foundation and the Harvard T.H. Chan School of Public Health. In small towns like Ogallala, the challenge for health care providers is attracting doctors who want to live there.

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Bacon and other hospital officials say a more effective solution than social matchmaking or signing bonuses might be if medical schools did more active recruiting in small towns.

In January, Ogallala Community was thrilled to hire Jessica Leibhart to join Wong as a second family practice OB-GYN. Leibhart, 36, grew up in Imperial, Neb., about fifty miles south of Ogallala.

“I was looking to get back to my roots,” Leibhart says. “This was really close and looked like the right fit for us.”

Leibhart relocated from the Omaha area and her family already had contacts in Ogallala, so the transition has been smooth. She knows that in a small town it’s virtually impossible to escape your job.

“If we’re at Walmart or my husband and I will be out for dinner and then pretty soon someone stops by, but that’s part of it,” Leibhart says. “And that truly is becoming part of the community and part of the family that the small town is.”

Finding doctors who want to be part of the small town family, may be one solution to addressing the worsening doctor shortage in rural America, and the growing urban-rural divide.

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Poll: Many Rural Americans Struggle With Financial Insecurity, Access To Health Care

Leitha Dollarhyde, a retired caregiver who lives in a rural town near Whitesburg, Ky., says she could not afford an unexpected $1,000 expense.

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Polling by NPR finds that while rural Americans are mostly satisfied with life, there is a strong undercurrent of financial insecurity that can create very serious problems for many people living in rural communities.

The findings come from two surveys NPR has done with the Robert Wood Johnson Foundation and the Harvard T.H. Chan School of Public Health on day-to-day life and health in rural America.

After a major poll we did last fall found that a majority (55%) of rural Americans rate their local economy as only fair or poor, we undertook a second survey early this year to find out more about economic insecurity and health. The poll looked beyond the known factors of job loss and the decades-long flight of young people to more urban areas.

Several findings stand out: A substantial number (40%) of rural Americans struggle with routine medical bills, food and housing. And about half (49%) say they could not afford to pay an unexpected $1,000 expense of any type.

Access to health care

One-quarter of respondents (26%) said they have not been able to get health care when they needed it at some point in recent years. That’s despite the fact that nearly 9 in 10 (87%) have health insurance of some sort — a level of coverage that is higher now than a decade ago, in large part owing to the Affordable Care Act and the expansion of Medicaid in many states.

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“At a time when we thought we had made major progress in reducing barriers to needed health care, the fact that 1 in 4 still face these barriers is an issue of national concern,” says Robert J. Blendon, co-director of the survey and professor of health policy and political analysis at the Harvard T.H. Chan School of Public Health. “Either it is still not affordable for them or the insurance they have doesn’t work — or they can’t get care from the health providers that are in their community.”

Of those not able to get health care when they needed it, the poll found that 45% could not afford it, 23% said the health care location was too far or difficult to get to, and 22% could not get an appointment during the hours needed.

Dee Davis, president and founder of the Center for Rural Strategies in Whitesburg, Ky., says poverty and ill health are endemic where he lives. “People in this congressional district have the shortest life span in the United States; we also are the poorest,” Davis says. “We’re poor and we’re sicker.”

But, he adds, the Affordable Care Act — which in Kentucky brought an expansion of Medicaid to many previously uninsured residents — went a long way in helping many rural communities take care of recurring problems. “We’re not out of the woods yet but the ACA certainly changed the landscape,” Davis says.

Lots of rural people benefited from the ACA, he adds, and if that progress were to be lost, he says: “We’re in trouble.”

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For purposes of this poll, “rural” was defined as areas that are not part of a Metropolitan Statistical Area, as used in the 2016 National Exit Poll. The NPR poll was conducted in English and Spanish using random-digit dialing Jan. 31-March 2 among a nationally representative, probability-based sample of 1,405 adults ages 18 or older living in the rural U.S. The margin of error for the total respondents is plus or minus 3.5 percentage points at the 95% confidence level.

Financial insecurity

One measure of financial security is the ability to meet unexpected expenses like a car repair or a medical problem or fixing something that has gone wrong in the house. It’s not unusual for these expenses to run $1,000 or more, so we asked whether that would be a problem.

Overall, nearly half (49%) said they wouldn’t be able to afford that. And more than 6 in 10 rural black and Latinx Americans said they would have a problem paying that off (blacks, 68%; Latinx, 62%), compared with 45% of rural whites.

“When you’re living close to the edge, sometimes you fall off,” says Davis. “If half the people in rural America can’t deal with a $1,000 bill, that’s rough.”

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It would be an issue for 72-year-old Leitha Dollarhyde, a retired caregiver who lives near Whitesburg, Ky., a rural town of under 2,000 people. She was born about 4 miles from where she lives today.

Her answer, when asked if she could afford an unexpected $1,000 expense? “No. There’s no way. My savings account is zero.”

Dollarhyde worked all her life, but the jobs just didn’t pay enough for her to put anything aside. She raised four children. Today her income — Social Security and Supplemental Security Income — adds up to $790 a month.

“With that income, you watch every penny,” she says.

Strong social networks

Yet even with the high levels of financial insecurity that we found, there is abundant optimism and satisfaction with the quality of life in rural America. Almost three-quarters (73%) of rural Americans rate the overall quality of life in their local community as excellent or good. And a majority (62%) are optimistic that people like them can make an impact on their local community.

Davis says that is what he observes in rural Kentucky. “People may be living a more hardscrabble existence than folks in the suburbs or a lot of the folks in cities, but it doesn’t mean they’re not living a decent life,” he says. “Most people are pretty happy with it; they’ve got friends and neighbors they rely on and they’re where they want to be.”

Still, social isolation and loneliness are a concern in rural America. We found nearly 4 in 10 (38%) said “many people” in their community feel lonely or isolated, with almost 1 in 5 (18%) saying they “always” or “often” feel either isolated or lonely. People with disabilities (31%) more frequently said they feel lonely or isolated from others compared with those without disabilities (12%).

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A majority of rural Americans say they participate in civic and social activities, including volunteering and service, political activities, community meetings and membership in a variety of groups. The most frequently cited activity was volunteering their time to an organization working to make their local community a healthier place to live (49%).

Whitesburg community activist Nell Fields says that when her husband was recently hospitalized, her neighbors were extraordinary.

“My neighbors come and mow my grass, feed cattle, get eggs every day for the last few weeks,” she says. “That says so much to me. [It] makes me feel the emotion now of what it feels like to have such warm, wonderful support and I know that’s the blessing of living in rural America.”

Declining hospitals

Since 2010, 106 rural hospitals have closed in rural America. As many as 673 more are at risk of closure, according to a 2016 report from iVantage Health Analytics. Currently, there are approximately 1,860 rural hospitals in the U.S.

Eight percent of rural adults polled say hospitals in their local communities have closed down in the past few years. About two-thirds (67%) say the closures were a problem, including 38% who say they were a major problem.

“It means people have to travel greater distances to receive care, and distance can be a barrier to timely and appropriate access to services,” says Brock Slabach of the National Rural Health Assembly in Leawood, Kan. “Delayed care can often lead to tragic consequences. This can be a huge barrier for many living in rural areas.”

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As an example, he points to the small town of Tonopah, Nev., population 2,478, that is more than three hours away from the nearest hospital by road. The community’s hospital closed in 2015 and the ambulance service in town was left to deal with all kinds of medical problems that it is not situated to handle, Slabach says.

In areas where higher-speed Internet access is available, people are turning to telehealth instead of going to a doctor or clinic. But broadband access is a perennial issue in many parts of rural America, with 1 in 5 (21%) saying that accessing high-speed Internet is a problem for their family. Among those who do use the Internet, a majority say they do so to obtain health information (68%).

The medical purposes for using telehealth vary, as a majority of rural telehealth patients (53%) say they have received at least one prescription from their doctor or other health professional using telehealth, while 25% have received a diagnosis or treatment for a chronic condition, 16% have received a diagnosis or treatment for an emergency, and 9% have received a diagnosis or treatment for an infectious disease.

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