Child Health Facts: National and State Profiles of Coverage

Published: Dec 30, 2002

Nearly 10 million children in the United States lack health insurance coverage and over two-thirds of them or low-income. This databook provides baseline data on how many children are uninsured today and on the extent of Medicaid coverage. It provides astarting point to monitor and assess state efforts to reach and insure more children.

Mason Essif Cuba Report

Published: Dec 30, 2002

The Henry J. Kaiser Family Foundation

Health Care in Cuba

By Mason Essif April 21 – May 2, 2001

For ten days the six Fellows of the 2000/2001 Kaiser Media Fellowship program explored and evaluated the health care system of Cuba. They met with doctors, nurses, administrators, experts and government officials. The topics ranged from housing conditions to mental health and from STD/HIV prevention to cardiac surgery. While most of the time was spent in Havana, a few days were spent traveling into the mountains to analyze how universal access is guaranteed in the remote and rural areas.

While we were exposed to so much during the trip I divided my video material into four main areas: The Embargo, HIV/AIDS, Primary Care and Natural Medicine. Each segment strings together fragments of discussions with the experts in hopefully a rational manner. There is no narration just these excerpts and pictures of some of the sites and sounds encountered.

OverviewThe Embargo HIV/AIDS Primary CareNatural Medicine

  • Overview: Cuba is quite proud of its health care system and seems to have every right to be. A poor island country whose limited resources are further circumscribed by a strict embargo, Cuba has nevertheless managed to provide health care to every citizen as a basic right. Their doctors and other health care providers are knowledgeable, extremely dedicated and believe in what they are doing. Cuba is a shining example of the power of public health to transform the health of an entire country by a commitment to prevention and by careful management of its medical resources. They share this expertise with the world and many countries have a lot to learn from them. And while public health concerns in the United States have always be tempered by the rights of the individual to take care of himself, Cuba does not seem to have the same dilemma. The right to privacy seems to suffer at the expense of helping the community. Their system is a government system and the same arguments that can be made against their form of governing can be made against the government’s control of the health care system. The government sets the priorities and the system complies. It works well for those who are willing to participate. While the trip was sanctioned by the United States and the agenda approved by Cuba, the veil of politics is not so easily lifted.
  • The Embargo: This segment begins with Dr. Herminia Palenzuela who is chief of Clinical Medicine at the Pediatric Heart Center at the William Soler Pediatric Hospital in Havana. This center is the hub of a national network of pediatric cardiocenters, which have been key to the early detection and treatment of children with congenital heart problems. She articulates what it means to have the premier country for health technology – the United States – closed to Cuba for business. Since they have to go elsewhere for their medical devices and equipment, the costs are inevitably higher and in many cases prohibitive. The result is she cannot give her patients the best medicine has to offer. Next is Dr. Alex Carreras Pons a family doctor with a community practice associated with the Plaza de la Revolucion Community Polyclinic. In his practice the most prevalent disease is high blood pressure and the embargo hurts his ability to get his patients the drugs they need to manage it. Careen Foster is finishing her medical degree at the University of Colorado in Denver and is participating in the MEDICC (Medical Education Cooperation with Cuba) program. Some 300 students from 82 U.S. schools of medicine and public health have pursued rotations in Cuba through the program since 1998. Dr. Foster is working with a community physician in the Villa Clara area. She echos Dr. Pons concerns about the lack of hypertensive drugs and adds that front line antibiotics are also hard to get due to the embargo. As an American she displays exasperation with current U.S. policy. Dr. Raul Herrera Valdes is the director of the National Nephrology Institute. The institute level is the tertiary care level in Cuba, providing medical services but also charged with research. Nephrology or the study and treatment of kidney diseases is highly dependant on sophisticated technology and therefore has also been one of the fields most affected by the U.S. embargo. He gives the philosophical perspective on how Cuba decides to handle the problems created by the US embargo by emphasizing human talent over material riches. View – The Embargo
  • HIV/AIDS: Manuel Hernandez started the first AIDS prevention program in Cuba. He is now at the Center for STD-HIV prevention in Havana. The center was established in 1994 and works with young people across the country and with various groups identified as high risk. They have a library, computers, and a hotline where people can call and get information. A wall along the outside of the building is painted with scenes promoting safe sex and condom use. Hernandez says that while the Cuba HIV infection rate has been and is still very low they have always maintained a commitment to prevention. But Dr. Foster (see above) contends the numbers are most likely higher than what the government reports. Dr. Rigoberto Torres is an epidemiologist and gives a break down of these official numbers past and present. Dr. Jorge Perez is the current deputy director of the Pedro Kouri Institute of Tropical Medicine and was the founder of Cuba’s national AIDS program and director of the AIDS sanatorium for over a decade. He defends the numbers and says that Cuba will continue to fight to keep those numbers low. Dr. Ileana Artiles works for the National Center for Sex Education. She says a big concern of the center is the lack of condoms due to the fact that Cuba has no factory and has a lot of difficulty shipping them from abroad. For those already infected, Dr. Torres says just a little more than half can get the drugs they need to fight the disease and of those who do many get them from friends and relatives from other countries. View – HIV/AIDS
  • Primary Care:Providing Primary Care: Dr. Raul Herrera Valdes (see above for description) articulates why Cuba has made the delivery of primary care and hence preventive care the foundation of the health care system. Next Dr. Pons (see above) is seen leaving his home apartment that is located above his office. He talks about how valuable it is to live and work in the same place. Patients know where to find you anytime of the day or night. He also explains how doctors in Cuba keep records on their patients and how they are categorized. For his practice, the biggest problem is high blood pressure and he is continuing to see an increase in rates among his patients. Dr. Foster (see above) comments on the strong relationship Cuban doctors seem to have with the people of their community. The doctor s office is practically neighborhood hangout. And according to her the home visit that the doctor performs every afternoon as a part of their practice is an integral part of diagnosing and treating less obvious diseases and problems in the community. View – Primary Care
  • Natural Medicine: Dr. Henry Vazquez practices the full range of medicine in his rural practice in Boquerones, Cuba but the 27 year old is particularly proud of his use of natural medicines or herbs to treat his patients. As he walks around his herb garden behind his office and home, he talks about which plants treat which ailments. Dr. Pedro Rafael Regal is a specialist in rehabilitation at the 19 de Abril Community Polyclinic and an expert in complementary and alternative medicine. He comments on how Cuba has made a commitment to incorporate what they call natural and traditional medicine into standard medical therapy. Not only are they using herbs indigenous to their culture but they are also looking to traditional Chinese medicine such as acupuncture. Unlike in the rural areas where people can grow their own, in Havana there are herb merchants that can provide you with the ingredients you might need for a medicinal concoction. Dr. Jorge Sosa Gallardo also practices and does research at the 19 de Abril Community Polyclinic and he says that they are currently studying how treating asthma with natural remedies has reduced the dependence on steroids and therefore reduced the side effects association with them. He contends that the more they find out about the successful uses of natural medicine the more Cuba doctors will be encouraged to use them. View – Natural Medicine
  • Kaiser Media Fellowship 2000-01 schedule

    Published: Dec 30, 2002

    The Henry J. Kaiser Family Foundation

    2000/01 Kaiser Media Fellowships Program

    Meeting of 2000/01 Fellows and Fellowship program advisory committeeSunday, May 20-Monday, May 21, 2001

    Hotel Accommodations: The Washington Monarch Hotel, 2401 M Street NW, Washington, D.C., 20037 (Tel: 202-429-2400; fax: 202-457-5010)

    Sunday, May 20 7:00pm: Meet in hotel lobby 7:30pm: Dinner–The Bistro, The Washington Monarch Hotel (at left of hotel lobby) Monday, May 21 8:00am: Metro to Food and Drug Administration 9:00 – 12:00am: Meeting at the Food and Drug AdministrationPharmaceuticals: (see separate detailed program)–drug approval process–single patient investigational new drug–risk management–drugs sold over the internet–drug withdrawal 12:00pm: Working lunch at the FDA 1:00 – 2:00pm: Continued meetings at the Food and Drug Administration 2:30pm: Return to hotel 3:30pm: Meet in hotel lobby: discussion of fellows’ projects 6:45pm: Walk to restaurantThe Melrose RestaurantThe Park Hyatt Hotel (opposite front door of WashingtonMonarch Hotel)1201 24th Street/M Street 7:00pm: Working dinner with the advisory committee to discuss fellows’ projects, fellowship program experience, lessons for future selections.16 Second Street North (Fellows depart Tuesday, May 22)

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    SCHIP Program Enrollment: June 2002 Update

    Published: Dec 30, 2002

    This report presents information on the number of children enrolled in SCHIP for each state, for specific months from 1998 to June 2002. As of June 2002, the SCHIP program covered 3.6 million low-income children. An increase of 571,000 from the previous June.

    Sarah Lunday Article – Alcon

    Published: Dec 30, 2002

    The Henry J. Kaiser Family Foundation

    Alcon Receives Warning from FDA

    Problems Involving Test Batches are Fixed, Drug Manufacturer Says

    12/09/2000

    By Sarah LundayReprinted with permission of The Dallas Morning News

    Alcon Laboratories Inc. has received a warning letter from federal regulators, saying the drug maker failed to meet several quality and safety standards during a recent inspection.

    The problems could alter the purity of the company’s products, according to the Nov. 17 letter from the Food and Drug Administration.

    Alcon, a subsidiary of Swiss-based Nestle SA, produces eye-care products and technologies, including surgical instruments, prescription drugs and contact lens care products. It employs 2,600 people at its Fort Worth facility.

    Company spokeswoman Mary Dulle said the problems found during the inspection involved test batches of products that would not have been distributed to consumers. She also said that Alcon has since remedied those problems.

    “We absolutely believe that there is no possibility of contamination of our product,” Ms. Dulle said.

    FDA investigators who visited Alcon’s drug and device manufacturing plant in October documented “serious deviations” from the agency’s regulations governing manufacturing quality, according to the letter.

    Michael Chappell, Dallas district director for the FDA, said the Alcon case continues as an open investigation until regulators review the company’s corrections.

    “We don’t necessarily consider the matter closed until we go back and check that they follow the criteria they said they would and that it would actually solve the problem,” Mr. Chappell said Friday – the date specified in the letter as the deadline for Alcon to fix the defects.

    Ms. Dulle declined to discuss the products involved in the testing cited by FDA inspectors.

    The warning letter cited several areas of concern, including:

    •Failing to clean, maintain and sanitize equipment to prevent malfunctions or contamination.

    •Failing to establish appropriate written procedures to prevent microbial contamination in drug products.

    •Failing to assure and document that automated equipment used in manufacturing, processing, packaging and holding of drug products will perform its intended function.

    Ms. Dulle said any problems investigators found were related to manufacturing lines that were being used for testing at the time of the inspection. Still, Alcon acted quickly to fix problems, Ms. Dulle said.

    “It’s a warning letter, so they’re trying to bring something to your attention in a big way,” Ms. Dulle said. “We’re really trying to work with FDA so we don’t get these letters.”

    The company has received two other warning letters since 1998 on separate incidents. In both cases, Alcon responded quickly and the cases were closed satisfactorily, Ms. Dulle said.

    Media Fellowships In Health

    Published: Dec 30, 2002

    2001 Kaiser Media Fellowships Program

    Kaiser Media Fellowships program sitevisit to San Antonio and Laredo, TX:Sunday, July 29-Friday, August 3, 2001

    Accommodations: The Menger Hotel, 204 Alamo Plaza, San Antonio, TX 78205 (Tel: 210-223-4361; fax: 210-228-0022)

    Sunday, July 29

    Meet in Miami airport6:30pm: Meet in hotel lobby

    7:00pm: Dinner, The Grant Room, The Menger Hotel, with Bibi Lobo, vice president, National Latino Children’s Institute

    Monday, July 30-San Antonio

    The Grant Room, The Menger Hotel8:30am: Buffet breakfast

    9:00am-12:00pm: Overview briefings on national and regional immigration trends, issues; immigrant health policy and financing issues; medical interpretation services –Jeff Passel, The Urban Institute: Overview briefing on national and regional immigration trends, Census data –Leighton Ku, Center on Budget and Policy Priorities: Immigrants’ utilization of health services; impact on safety net providers

    12:00pm: Working/buffet lunch

    12:30-3:30pm: –Mara Youdelman, staff attorney, National Health Law Program: Medical interpretation services and related policy issues –Josh Bernstein, National Immigration Law Center: Overview of current national/regional immigration legal, welfare and policy issues

    3:45pm: The AVANCE program Promotora and Health Initiatives: –Marisa Chapa, Maria Hudson, and Mercedes Perez de Colon

    4:30pm/4:45pm: (Optional) Walk from hotel two blocks to the San Antonio Express-News

    5:00pm: Visit the San Antonio Express-News

    6:00pm: Return to hotel

    6:45pm: Meet in hotel lobby, drive to restaurant

    7:00pm: Dinner, Pico de Gallo, 111 S. Leona Street

    Tuesday, July 31-San Antonio

    The Grant Room, The Menger Hotel

    8:30am: Buffet breakfast

    9:00am-10:30am: Clarissa Martinez, director of state and local public policies, the National Council of La Raza: U.S./Mexico bi-national perspective on border issues and migration

    10:45am-12:00pm: Anne Dunkelberg, Center on Public Policy Priorities, Austin:Texas state immigration and health policy legal issues:

    12:00pm: Working lunch at hotel

    12:50pm: Depart hotel by van

    1:15pm: Arrive, Texas Diabetes Institute/University Health SystemUniversity Center for Community Health–Briefings and visit to the University Health System/Texas Diabetes Institute-financing indigent care; the CareLink program (insurance for county residents under 200% of federal poverty); financing trauma care; diabetes-contact: Ms. Leni Kirkman, public affairs department, University Health System

    5:00pm: Depart Texas Diabetes Institute; return to hotel

    6:45pm: Meet in hotel lobby

    7:00pm: Dinner with Tom Ferguson, M.D., editor and publisher, The Ferguson Report, Paesano’s Ristorante, 111 West Crocket

    Wednesday, August 1-am: San Antonio; pm: Laredo

    8:30am: Depart hotel by van-bring overnight bag

    9:00am-11:00am: Meeting at Catholic Charities–Theresa Coles Davila, Center for Legal and Social Justice–Steve Saldana, executive director, Catholic Charities

    11:00am: Depart Catholic Charities by van

    11:30am: Arrive The Guenther House, 205 East Guenther Street

    11:30am: Working lunch, followed by visit to The Texas Center for Infectious Disease-TB, Hansen’s Disease, etc. Visit/Working lunch with hospital Director, Mr. Jim Elkins; colleagues; and potentially Texas health department staff

    3:15/3:30m: Depart Texas Center for Infectious Disease by van for Laredo

    6:00pm/6:30pm: Arrive/check in, La Posada hotel, 1000 Zaragoza Street, Laredo, TX 78040

    7:30pm: Meet in hotel lobby

    8:00pm: Dinner, El Rancho restaurant, 2134 Avenida Guerrero, Nuevo Laredo, with health and border health officials, and local health groups

    Thursday, August 2-Visit to Laredo

    7:30am: Depart hotel by van-border area issues: –Visit to Gateway clinic and El Cenizo colonias (c. 10 miles from Laredo)–Visit to Laredo port of entry, border patrol facility

    Contacts: David Lauricella, public affairs department, Laredo Health Department; Jacque Crouse, public affairs department, INS regional office

    12:15pm: Working lunch

    4:00pm: Depart Laredo for San Antonio

    7:00pm: Arrive The Menger Hotel

    7:40pm: Meet in hotel lobby, walk to restaurant

    8:00pm: Dinner, Boudro’s, 421 East Commerce

    Friday, August 3

    am: Fellows depart

    Search the entire kff.org site or review a list of publications in a specific topic area:

    Disability, Health Coverage, and Welfare Reform

    Published: Dec 30, 2002

    This report analyzes data from a survey of 42 low-income families with children with moderate or severe disabilities to better understand the impact of welfare reform on health coverage for these families.

    Media Fellow Lunday article on Alcon Laboratories

    Published: Dec 30, 2002

    The Henry J. Kaiser Family Foundation

    Alcon Receives Warning from FDA

    Problems Involving Test Batches are Fixed, Drug Manufacturer Says

    12/09/2000

    By Sarah LundayReprinted with permission of The Dallas Morning News

    Alcon Laboratories Inc. has received a warning letter from federal regulators, saying the drug maker failed to meet several quality and safety standards during a recent inspection.

    The problems could alter the purity of the company’s products, according to the Nov. 17 letter from the Food and Drug Administration.

    Alcon, a subsidiary of Swiss-based Nestle SA, produces eye-care products and technologies, including surgical instruments, prescription drugs and contact lens care products. It employs 2,600 people at its Fort Worth facility.

    Company spokeswoman Mary Dulle said the problems found during the inspection involved test batches of products that would not have been distributed to consumers. She also said that Alcon has since remedied those problems.

    “We absolutely believe that there is no possibility of contamination of our product,” Ms. Dulle said.

    FDA investigators who visited Alcon’s drug and device manufacturing plant in October documented “serious deviations” from the agency’s regulations governing manufacturing quality, according to the letter.

    Michael Chappell, Dallas district director for the FDA, said the Alcon case continues as an open investigation until regulators review the company’s corrections.

    “We don’t necessarily consider the matter closed until we go back and check that they follow the criteria they said they would and that it would actually solve the problem,” Mr. Chappell said Friday – the date specified in the letter as the deadline for Alcon to fix the defects.

    Ms. Dulle declined to discuss the products involved in the testing cited by FDA inspectors.

    The warning letter cited several areas of concern, including:

    •Failing to clean, maintain and sanitize equipment to prevent malfunctions or contamination.

    •Failing to establish appropriate written procedures to prevent microbial contamination in drug products.

    •Failing to assure and document that automated equipment used in manufacturing, processing, packaging and holding of drug products will perform its intended function.

    Ms. Dulle said any problems investigators found were related to manufacturing lines that were being used for testing at the time of the inspection. Still, Alcon acted quickly to fix problems, Ms. Dulle said.

    “It’s a warning letter, so they’re trying to bring something to your attention in a big way,” Ms. Dulle said. “We’re really trying to work with FDA so we don’t get these letters.”

    The company has received two other warning letters since 1998 on separate incidents. In both cases, Alcon responded quickly and the cases were closed satisfactorily, Ms. Dulle said.

    Poll Finding

    National Survey of Americans on Social Security

    Published: Dec 30, 2002

    A new survey conducted by National Public Radio/Kaiser Family Foundation/Kennedy School of Government looks at Americans’ knowledge and attitudes about Social Security and retirement. The survey finds the public considers Social Security a very important government program and keeping it financially stable a top priority. Americans are also concerned about the long-term future of Social Security and want to make some changes to the system now.

     

     

    Media Fellow Ornstein Patchwork care article

    Published: Dec 30, 2002

    Bridging Benefit Gaps

    Patchwork care makes health solution elusive

    04/02/2000

    By Charles Ornstein Reprinted with permission of The Dallas Morning News

    Although the vast majority of Americans receive health insurance through their employers, by no means is the quality of coverage the same.

    Just ask Harry and Louise.

    The fictional middle-aged couple – created by the nation’s insurance lobby – helped undermine public confidence in President Clinton’s health-care reform proposal through a series of television commercials in 1993-94.

    Sitting around a kitchen table and driving in a car, Harry and Louise voiced the fears of middle-class workers that their coverage would suffer if the government extended health insurance to all Americans.

    It is this patchwork system of health insurance – Cadillac benefits for some, nothing for others – that helped doom any hope of a comprehensive national solution, industry experts say.

    When given a choice, they say, people generally won’t sacrifice an insurance benefit or two – or pay more – so that others can improve their lot.

    “The problem with health care is that it’s very easy to divide and conquer, just because people have such different interests and different fears and different experiences,” said Darrell West, a political science professor at Brown University in Providence, R.I. His book, The Sound of Money, examines the effect of Harry and Louise on the Clinton health-care reform debate.

    “The fear was that we would end up with a lowest-common- denominator health-care system,” Mr. West said. “In elevating the poorest elements within society, we might in the process lower the quality of the care received by others.”

    Complicating matters, he and other researchers say, are the many classes within the insured population.

    At one end of the spectrum, some workers don’t contribute a dime toward health insurance. At the opposite end, others have insurance but rarely seek care because they can’t afford the deductibles.

    And on the margins lie one in six Americans, or 44.3 million citizens, many of whom hold jobs that do not offer health insurance.

    Each group has its own fears and experiences, and rarely do their priorities coincide.

    The lucky ones

    Individuals with the richest health insurance benefits typically belong to labor unions.

    These workers have coverage starting with the first dollar, so they don’t pay any money toward either their premium or doctor visits.

    Because of this, union members have opposed employers’ efforts to shift costs to them. Earlier this year, 17,000 engineers at Boeing Co. in Seattle went on strike for 40 days because the company asked employees to pay a share of their medical premiums. The company relented last month and agreed to continue paying those costs.

    “Ultimately, it’s part of us looking at our benefits package and saying, ‘What do we need to do to attract and retain workers?'” said Nancy Cannon, director of employee benefits.

    Union negotiator Stan Sorscher said the proposal would have cost the average Boeing family $1,500 per year. Union members, he maintained, have accepted below-market wages for years to maintain their rich level of benefits.

    “We thought this was just the start,” said Mr. Sorscher, a physicist at Boeing. “If 10 percent premiums were a good idea, then 15 percent premiums would be an even better idea. … There was an open-ended threat to us.”

    The vast middle class

    Many of the 155 million Americans with employer-provided health insurance are like Diane M. Johnson, a 41-year-old manufacturing specialist at Texas Instruments Inc.

    Ms. Johnson, who is enrolled in the NYLCare HMO, pays a share of her premium every two weeks, in addition to copayments for doctor visits and prescription drugs. She says her top consideration when choosing a health plan is cost.

    “If you’re like me and you have several prescriptions, it starts adding up fast,” says Ms. Johnson, who has severe asthma.

    Data from the U.S. Bureau of Labor Statistics show that Ms. Johnson’s experience is hardly unique. In 1997, 69 percent of employees with individual coverage were required to contribute to their premiums, up from 26 percent in 1980.

    The percentage of employees who contribute to family coverage grew to 80 percent from 46 percent in 1980.

    “The numbers of companies that used to provide free family coverage was pretty high 10 years ago,” said Edith Rasell, an economist at the Economic Policy Institute in Washington, D.C. “Now almost no companies provide free family coverage.”

    Young and restless

    By and large, employees who are young and healthy are less concerned about health coverage than stock options, career advancement and personal satisfaction.

    The Internet generation enjoys such perks as free massages, discounts at workout facilities and catered lunches. As for health insurance, “that’s not something they’re as concerned about as long as they know that they’re covered,” says Julie Muenzler, human resources manager for imc2, a 100-person Internet services company in Dallas.

    When imc2 asked employees for benefit suggestions at an annual retreat last year, they responded by requesting dry cleaning pick-up at the office, more vacation time, additional floating holidays and stress management programs.

    Mike Keller, a 27-year-old graphic designer at imc2, said when choosing his current job, he was impressed by the casual dress code, the free Coke machine and the rock-climbing wall.

    Mr. Keller, who graduated from the University of North Texas, said he asked about health insurance benefits before he accepted his job, but that’s the extent of his research.

    “I’m glad I have it; I just don’t use it,” he said. “As a matter of fact, I picked the wrong doctor to treat me. I picked a pediatrician on accident. I’ve been healthy my whole life – thank God – and I haven’t really needed all that.”

    The small-business crowd

    Because small businesses don’t have the purchasing clout of their larger brethren, they often don’t provide comparable health benefits.

    Only 55 percent of firms with fewer than 10 workers offered benefits last year, according to a report by the Kaiser Family Foundation and the Health Research and Educational Trust. That compares with 99 percent of firms with more than 200 workers.

    What’s more, small businesses that offer insurance are feeling the brunt of increased medical costs, and they are shifting the burden to their employees.

    Jim Kollaja, for example, pays 50 percent of the cost of insurance for workers at his family-owned woodworking business in Corpus Christi. When this year’s higher rates took effect, the company charged workers 12 percent more for single coverage and 26 percent more for family coverage.

    The company’s trade association reports that about half of similar firms offered health insurance for full-time shop employees in 1998.

    “A lot of companies opt not to carry it, not to hassle with it,” said Mr. Kollaja, vice president of Imperial Mill and Fixtures Inc. “We look at it as what we need to have in order to compete for the best employees.”

    Imperial is routinely turned down by insurance companies because several of its 30 employees have chronic medical conditions that are expensive to treat.

    “It’s kind of a love-hate relationship. I hate my insurance company, but I can’t do without them.”

    The gray and threatened

    The people most affected by changes in health insurance are early retirees who are not yet eligible for Medicare.

    A recent study by the consulting firm William M. Mercer Inc. found that the percentage of large companies offering benefits to this group has fallen each of the last six years, to 35 percent in 1999 from 46 percent in 1993.

    Thousands of retirees have sued their former employers, saying officials reneged on earlier promises to provide them health benefits for life.

    But courts have generally ruled that companies are entitled to reduce or even eliminate benefits as long as they reserve the right to do so in writing.

    Pabst Brewing Co. in Milwaukee terminated health benefits to 774 retirees in September 1996. For those not eligible for Medicare, comparable coverage cost as much as $8,200, according to a 1997 government report.

    Andy DeRuiter retired from Pabst in early 1995 after 23 years. Sixteen months before he was eligible for Medicare, Pabst terminated the retiree benefits. As a result, Mr. DeRuiter went uninsured, relying on free drug samples from his doctor to treat his high blood pressure and chest pains.

    “When we retired, they told everybody, ‘You retire now, and you’re set for life,'” Mr. DeRuiter, now 67, says. “That was a big lie.”

    The uninsured

    Despite public perceptions to the contrary, 84 percent of the 44.3 million uninsured Americans are workers or members of a working family. And a full 20 percent have access to employer-paid health benefits on the job.

    Standing in the way of coverage, researchers say, is low-income workers’ inability to afford their share of monthly premiums set by employers.

    In many cases, uninsured people are willing to rely on public hospitals if it means having the money to buy extra groceries for their family.

    Despite the growing number of uninsured, surveys indicate that the public believes these people are better off than in the past. According to a 1999 report, 57 percent of people believe the uninsured are able to get the care they need when they need it, up from 43 percent in 1993.

    “People know there’s a problem, but the economy has hidden a sense of the crisis,” says Harvard University professor Robert Blendon, the study’s author. “For people who have a job and insurance, life has never been better. They say, ‘I’ve never had it so good in my life – money in my pocket, the employer is worried about me leaving – everybody must be doing better.'”

    Timing is everything

    Some policy experts and politicians believe the time is right for a national solution for the problems of the uninsured, even though others don’t believe there’s a crisis yet.

    In the Democratic presidential primary, both Vice President Al Gore and challenger Bill Bradley presented proposals to expand health coverage to millions of uninsured Americans. The difference between the two plans involved cost and scope.

    Republicans George W. Bush and John McCain did not discuss the issue during the primary stage.

    The real push for change could come from within the Washington Beltway, not middle America, where the problems are most acute, researchers say. That’s because the voices of the uninsured can’t be heard above the din of lobbyists.

    “When Gore and Bradley both put forward proposals, that was unprecedented in terms of the attention that health-care coverage got in a presidential campaign,” said Paul B. Ginsburg, president of the Center for Studying Health System Change. “This, to me, was a sign that there may be a lot more interest on the part of the public.”

    Still, Mr. West of Brown University said the real push for government reform will come when the middle class sees massive increases in health-insurance costs.

    “That would be a crisis,” he said.

    Charles Ornstein, who covers health business issues for The Dallas Morning News, is pursuing a yearlong fellowship through the Kaiser Family Foundation.