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State insurance premium hike blunts teacher pay raise

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State insurance premium hike blunts teacher pay raise

Athena Lindsey, a teacher and policy fellow with Teach Plus Mississippi, repeatedly heard the same concern when surveying teachers in the -up to the historic 2022 teacher pay raise: “Every time you see a pay increase, the insurance premiums always go up, so you never really get to feel the actual pay raise.”

Insurance premiums for public employees rose 6% on Jan. 1 of this year, the fifth consecutive year with an increase. The report of the Teach Plus Mississippi survey showed lower insurance premiums as the third highest policy priority for teachers, behind two related to pay increases.

“A lot of them in the survey said that they had second just for that reason, because the insurance plans were ridiculous,” said Lindsey.

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The average teacher salary in Mississippi is $53,000, which drops to $40,990 after taxes and retirement contributions, according to calculations by Mississippi First. Premiums for individuals on the plan make up 1% of their take home pay, but 25% for employees with their family on the state insurance. After premiums, take home pay for employees with their family on the plan drops to $30,910.

Five teachers interviewed by Mississippi Today expressed growing frustration with the rising costs and falling benefit quality. State officials say these changes were made to counter rising health insurance costs that are causing financial deficits, with the reserves of the state plan dropping $119 million over the past nine years. Legislators say they are looking to address this problem next .

The state health plan served nearly 194,000 state employees and their dependents in 2021, the most recent year for which there is data. Most people opt for the “Select” plan with more , but the number of people on that plan has been slowly falling since 2016.

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Premium costs have remained largely unchanged for individuals on the single-employee plan, but people whose families also receive insurance through the state plan have seen more significant increases.

Per state law, the state contributes 100% of the premium cost for basic coverage for employees. Employees pay between $20-46 monthly for individual coverage if they opt for the plan with more benefits. The state does not contribute to premium costs for and spouses, making family coverage significantly more expensive. Prices range between $124 and $840 a month, and vary based on the number of dependents and quality of coverage.

Mississippi is one of two states in the Southeast that doesn't pay any extra towards premiums for family coverage, according to figures compiled by the Mississippi Department of Finance and Administration that were presented at a 2021 hearing. Rep. Kent McCarty, R-Hattiesburg, introduced a bill this session for the state to pay 50% of dependent premiums, but it died in committee.

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“A lot of jobs are offering coverage for dependents already, and a lot of times teachers leave to take those jobs, so we thought this could be a way to make the teaching profession more competitive with others and keep teachers in the classroom,” he said.

A recent report published by Mississippi First studied why teachers are leaving the classroom. In it's survey, 42% said they could not afford deductibles, premiums, or other costs not covered by insurance, and financial insecurity was closely linked with risk of leaving the classroom.

“Any improvement in this area, whether that is reducing cost for teachers or improving the quality of the plan, is all going to necessitate more resources from the state,” said Toren Ballard, K-12 policy director for Mississippi First.

This gap between individual and family premiums is common in the teaching profession. According to a 2020 report published by the Southern Regional Education Board, teachers pay an average of $200 less in monthly premiums for single plans than private sector employees, but an average of $257 more in premiums for family plans.

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Megan Boren, project manager with the board, said her study of teacher compensation found most states in the Southeast have work to do because of the sizable cost gap between single and family coverage. Boren said she would not single out Mississippi as struggling in this area, but pointed to Alabama, Virginia, and Florida as exemplar states that have successfully kept costs down for employees.

“A lot of this is just tied to how health insurance is set up, and there's not a lot of wiggle room or great strategies that an employer, or otherwise, can take on these pieces,” Boren said. “Our hands are quite tied because of the way health insurance is structured in this country and some of the general policies around that.”

A bill moving through the this session would study the state health insurance system and make recommendations for legislation to be proposed in 2024. The task force, proposed by Senate Education Committee Chairman Dennis DeBar, R-Leaksville, would focus on the financial solvency of the plan, rate increases, benefits and comparisons to other Southeastern states.

“I just want to see a deep dive into why expenses keep going up and up,” DeBar said. “I don't want insurance (costs) to be a deterrent to getting insurance and doing yearly check-ups, because on the back end, medical conditions may be worse off if people don't treat them.”

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Some teachers share his concern that current rates are discouraging employees from seeking preventive care.

“I get that if you have a catastrophic year, it's there for you, but this should be so much more in a state that is so unhealthy,” said Jason Reid, a teacher in the DeSoto County School District.

Reid, a two-time cancer patient, has hit his out-of-pocket maximum with both diagnoses and experienced the safety net that the plan can provide, but said that because of rising costs, most of his colleagues feel like they never see a benefit. Reid added the insurance plan usually isn't stopping people from becoming teachers, but that it is driving them away.

Advocates say a lack of investment from the state is also driving away other state employees. Brenda Scott, the president of the Mississippi Alliance of State Employees, said teachers got a “decent” raise last year, but that for other state workers, raises are “very rare.” 

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Scott said she would like to see raises for state employees to make it easier for them to afford premium increases when they come along, or for the state to expand Medicaid to give employees more coverage options.

READ MORE: Q&A: What is Medicaid expansion, really?

“They're not expanding Medicaid, which is meant to cover the working poor,” she said. “There's a lot of state employees who would fit into that category.”

Adding to frustration with the insurance premium increase are other changes to the plan.

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Multiple teachers expressed frustration with the declining quality of prescription drug coverage since the switch from Prime Therapeutics to CVS Caremark, a change that state officials said was made to save money on rising healthcare costs.

Renee Webber-Butler, a teacher in the Perry County School District, was informed after the switch that the ADHD medicine her 16-year-old son takes would no longer be covered. He had tried multiple medications and had negative side effects with some before finding with Vyvanse, the medicine that was no longer being covered.

“I explained to him what was going on, and he said, ‘Mom, I'm not going to have to take that medicine where I'm mean and angry am I?'” Webber-Butler said. “How do you look at your kid and say, ‘Well, son, I'm sorry but … on educator salaries, we can't (pay out of pocket.)'”

She said they found another medicine for him that will be covered, but called it “ridiculous” that her son has been on three different medicines in six months.

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Cindy Bradshaw, the administrator of the state health insurance plan, said the switch to CVS Caremark, as well as the deductible and premium increases in recent years, are adjustments to balance the finances of the health insurance plan. The plan has been spending more on care than premiums could cover every year since 2016, which has significantly decreased the surplus reserves of the plan. The surplus was $247 million in 2012 and had dwindled to $64 million by the end of 2021, according to the plan's actuarial report for 2021.

During the 2022 legislative session, the state health insurance plan was given $60 million in American Rescue Plan funds, and a bill has passed out of committee to give the plan another $30 million in federal pandemic relief funds this session.

When discussing the incremental actions of the state board that manages the health insurance plan, Bradshaw said, “We're trying to softly land a plane instead of having a big crash.”


This article first appeared on Mississippi Today and is republished here under a Creative Commons license.

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Mississippi Today

On this day in 1850

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May 3, 1850

Shadrach Minkins, right, worked at the Cornhill Coffee House and Tavern, believed to have been located in the highlighted area. Credit: Courtesy of National Park Service

Shadrach Minkins, already separated from his , escaped from the Norfolk, Virginia, home, where he was enslaved. He made his way to Boston, where he did odd until he began working as a waiter at Taft's Cornhill Coffee House.

Months later, Congress passed the Fugitive Slave Act, which gave authorities the power to go into states and arrest Black Americans who had escaped .

A slave catcher named John Caphart arrived in Boston, with papers for Minkins. While serving breakfast at the coffee house, federal authorities Minkins.

Several local lawyers, Robert Morris, volunteered to represent him. Three days later, a group of abolitionists, led by African-American abolitionist Lewis Hayden, broke into the Boston courthouse and rescued a surprised Minkins.

“The rescuers headed north along Court Street, 200 or more like the tail of a comet,” author Gary Collison wrote. They guided him across the Charles to the Cambridge home of the Rev. Joseph C. Lovejoy, whose brother, Elijah, had been lynched by a pro-slavery mob in Illinois in 1837.

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Another Black leader, John J. Smith, helped Minkins get a wagon with horses, and from Cambridge, Hayden, Smith and Minkins traveled to Concord, where Minkins stayed with the Bigelow family, which guided him to the Underground Railroad, making his way to Montreal, spending the rest of his in Canada as a free man.

Abolitionists cheered his escape, and President Millard Fillmore fumed. Morris, Hayden and others were charged, but sympathetic juries acquitted them. Meanwhile in Montreal, Minkins met fellow fugitives, married, had four and continued to work as a waiter before operating his own restaurants.

He ended his career running a barbershop before dying in 1875. A play performed in Boston in 2016 told the dramatic story of his escape.

This article first appeared on Mississippi Today and is republished here under a Creative Commons license.

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Medgar Evers will receive Presidential Medal of Freedom

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At her husband's funeral in 1963, Myrlie Evers heard NAACP Executive Director Roy Wilkins declare, “Medgar Evers believed in his country. It remains to be seen if his country believes in him.”

Later today, his country will declare its belief in him when the family of the slain Mississippi NAACP leader receives the Presidential Medal of Freedom, the highest civilian honor.

But Medgar Evers was more than a civilian. He fought the Nazis in World War II, only to return home and fight racism, this time in the form of Jim Crow, which barred Black Mississippians from the ballot box.

On his 21st birthday, he and other Black of the war went to vote at the courthouse in Decatur, where they were met by white with guns.

Afterward, he vowed he would never be defeated again and that he would keep fighting by joining others dedicated to the cause of the civil rights movement.

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“The movement for equality was always on his mind, and whites' denial of his right to vote in his hometown served as one cog of many in the overall wheel of injustice, a wheel of which he was bound and determined to break,” said Michael Vinson Williams, author of “Medgar Evers: Mississippi Martyr.”

Myrlie Beasley met Medgar Evers on the first day of her freshman year at Alcorn A&M College in fall 1950. As she leaned against a light pole, she said he told her to be careful, “you might get shocked.”

And shocked she was when she fell in love and married him a year later. He was one of those military veterans that her family had warned her about. And he was involved in the movement that her family had avoided.

She joined him in the fight, and they moved to Mississippi's only all-Black town, Mound Bayou, where he helped Dr. T.R.M. Howard lead a boycott. They distributed thousands of fluorescent bumper stickers that read, “Don't Buy Gas Where You Can't Use the Restroom.”

In January 1954, the University of Mississippi School of Law turned Medgar Evers away because of the color of his skin. NAACP considered taking his case to court, but they were so impressed with him they hired him instead as the first field secretary for the Mississippi NAACP.

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Myrlie Evers worked as his secretary. She said he insisted they call each other “Mr. Evers” and “Mrs. Evers” in the office.

He spent much of his time on the road, putting 40,000 miles a year on his car, recruiting new members, reviving branches and inspiring young people to participate in the movement, including Joyce Ladner, who invited him to speak to the NAACP Youth Council in Hattiesburg.

“He had a quiet courage,” she recalled. “I was always amazed that he drove up and down Mississippi's two-lane highways alone at night. He was a marked man, but he kept on going.”

Joan Mulholland is seen holding a photo of her booking shot taken when sge and othger Freedom Riders were in Mississippi un 1961. Credit: Courtesy of the Mulholland family

In 1961, Joan Trumpaeur Mulholland was one of more than 400 Freedom Riders, half of them white, who challenged segregation laws in the South. She and other Riders were arrested and sent to serve their time at the State Penitentiary at Parchman.

When she and other Riders needed a lawyer, Medgar Evers “was the one who took care of it,” she said.

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He became a model for her and others in character and courage, talking often to Tougaloo College , she recalled. “He wasn't intimidated.”

In 1962, Evers installed Leslie McLemore as president of the Rust College chapter of the Mississippi NAACP. “Medgar Evers was really a brilliant man,” he said. “He had an incisive mind and personality that drew people to him. In another era, he could have been a U.S. senator from Mississippi or maybe even President.”

Evers investigated countless cases of intimidation and violence against Black Americans, including the 1955 murder of Emmett Till. Evers often dressed as a sharecropper in those investigations.

No matter where he went, threats of violence followed. He bought an Oldsmobile 88 with a V-8 engine so powerful it would most cars behind. On some dark nights across the Mississippi Delta, he floored it to escape those hell-bent on harming him.

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His name appeared on Ku Klux Klan “death lists,” and his home telephone rang at all hours with threats to him and his family.

When his daughter, Reena, answered the phone one time, she heard a man saying he planned to torture and kill her father.

In spite of these threats, he stayed. He told Ebony magazine, “The state is beautiful, it is home, I love it here. A man's state is like his house. If it has defects, he tries to remedy them. That's what my job is here.”

On May 20, 1963, Evers talked on television about the mistreatment of Black Mississippians. “If I die, it will be a good cause,” he told The New York Times. “I'm fighting for America just as much as the soldiers in Vietnam.”

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Weeks later, President Kennedy delivered his first and only civil rights speech, telling the millions watching on television, “If an American, because his skin is dark, cannot eat lunch in a restaurant open to the public, if he cannot send his to the best public school available, if he cannot vote for the public officials who will represent him, if, in short, he cannot enjoy the full and free life which all of us want, then who among us would be content to have the color of his skin changed and stand in his place?”

Evers smiled. He and other Black leaders had urged Kennedy to push for a civil rights bill, and now that seemed certain to happen.

Hours later, returning home from a late civil rights meeting, Evers was shot in the back in the driveway of his home.

Myrlie Evers and their three children dashed outside, saw the blood and screamed. “Daddy!” Reena yelled. “Please get up, Daddy.”

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He never did.

“He had the courage to hold an impossible job at a crucial turning point in American history,” said Taylor Branch, the Pulitzer Prize-winning author of a trilogy on the civil rights movement.

For the first time, members of the mainstream press didn't call such a killing “a lynching,” he said. “They called it an assassination.”

In his book, “Parting the Waters,” he wrote, “White people who had never heard of Medgar Evers spoke his name over and over, as though the words themselves had the ring of legend. It seemed fitting that the casket was placed on a slow train through the South, bound for Washington so that the body could lie in state.”

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After the casket arrived, Medgar Evers was buried with full military honors at Arlington National Cemetery.

“The tragedy of his martyrdom is eloquent testimony to the courage and dedication of a leader who — in his lifetime — deserved the respect and support of the powerful people who later publicly identified with this man and his cause,” said John Dittmer, author of “Local People: The Struggle for Civil Rights in Mississippi.” “Though long overdue, this award is a fitting to Medgar Evers and his family.”

A year after Evers' assassination, Congress passed the Civil Rights Act on his birthday, and President Lyndon B. Johnson signed the bill into law hours later.

“Medgar Wiley Evers boldly stood against injustice, against oppression, against this country's determination to keep Black people as second-class citizens,” Williams said, “and he was murdered because of his commitment to truth, justice and the struggle for civil and human rights.”

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Before leaving office as governor in 1984, William Winter hosted Myrlie Evers and her family at the mansion, where he remarked that Medgar Evers did more than just free Black Mississippians, he freed white Mississippians as well from the bonds of racial segregation, oppression and hate, he said. “We were all prisoners of that system.”

It took three decades before Evers' killer was finally brought to justice in 1994, and that verdict helped to inspire the reopenings of other cases. There have been 24 convictions in civil rights cold cases.

Myrlie Evers' courage to press for justice in her husband's case started all of this, said Leslie McLemore, who helped found the Fannie Lou Hamer National Institute on Citizenship and Democracy. “It would not have happened without her persistence.”

When she learned last week about the Presidential Medal of Freedom honoring her late husband, she exclaimed to her daughter, Reena Evers-Everette, “Oh, my God!”

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Then Myrlie Evers grew silent.

“I'm just utterly speechless,” she said, “and frozen with gratitude.”

Evers-Everette still misses the man she knows as “Daddy,” but she perseveres as the executive director for the Medgar and Myrlie Evers Institute, because his spirit inspires her.

“I feel him around me all the time,” she said. “I marvel at his courage, stamina, vision, and commitment for equality and justice for his people and all of humanity. I pray for his love and wisdom as I pursue this work, because I don't want him to have died in vain.”

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This article first appeared on Mississippi Today and is republished here under a Creative Commons license.

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Legislative leaders: Medicaid expansion measure set to die Thursday night  

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mississippitoday.org – Taylor Vance and Bobby Harrison – 2024-05-02 19:07:04

An effort in the Mississippi to accept billions of dollars in federal money to expand Medicaid coverage to the working poor – a policy which medical experts, clergy and business leaders advocated – was expected to die on a Thursday night deadline, according to House leaders.  

House Medicaid Chair Missy McGee, R-Hattiesburg, told reporters that she delivered a proposal to Senate negotiators on Thursday morning that would have voters to have the final say on a statewide referendum in November whether the state should expand Medicaid. 

But the Forrest County lawmaker said she had not heard a response from the Senate at all on Thursday, leading her to believe expansion is certain to die by an 8 p.m. Thursday deadline. 

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“It's disappointing,” McGee said. “We worked really hard on it, and we fought to the bitter end.” 

The bill's would mark an end to months of intense debate at the Capitol and scores of rallies urging legislators to adopt expansion under the federal Affordable Care Act. 

For a brief moment on Wednesday, it appeared both chambers at the Capitol might adopt a compromise, but expansion under that proposal contained stipulations the federal is not likely to approve and could have held expansion here in limbo for years.

House and Senate negotiators on Tuesday night agreed on a compromise that would have expanded Medicaid coverage to individuals who make roughly $20,000 but only if the federal government signed off on a work proposal for recipients – something the federal government was almost certain to reject. 

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But the deal fell apart after rumors circulated in the Capitol that the Senate did not have enough votes to the plan and after a large portion of Democrats in the House objected to the work requirement. 

House Speaker Jason White, R-, said he would have had the votes Wednesday in the House to pass the compromise, even with the loss of a significant number of Democratic votes.

But the speaker opted to send the proposal back to negotiations after being told by Senate leaders that the Senate only had 28 votes – not enough to pass it by a needed three-fifths majority. 

White said his negotiators offered the referendum option as a compromise that he hoped more Senate could support. He said he knew it was a long shot that the Senate would accept the proposal, but he thought it was worth a try.

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“I am not casting blame,” White said when asked about what he said was the lack of votes in the Senate. “… But I had to act on that information.”

White said he was disappointed that Medicaid expansion did not pass this , but he said he is glad it was debated and discussed during the session.

“It was a good first step,” he said. “Whether we will look at it next year or the next, I don't know. We will have to reassess.”

White, in his first year as speaker, was the first Republican legislative leader to bring up legislation to enact Medicaid expansion. That original proposal passed by an overwhelming bipartisan vote in the House.

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When asked about whether the Senate had the votes to pass the compromise on Wednesday, a spokesperson for Lt. Gov. Delbert Hosemann said, “The Senate was working to secure the votes, but that effort stalled when House Democrats indicated they did not support the bill.”

Democratic leaders in a statement said they have been “crystal clear” about what they were willing to accept in a Medicaid expansion compromise, but whether House Republicans wanted to listen to is “beyond our control.”

“Unfortunately, neither House nor Senate leadership chose to act on the language we proposed,” the statement read. “Instead, we will leave Jackson without a plan to solve our state's increasingly dangerous crisis.”

If the expansion legislation dies as expected, lawmakers will have to wait until next year during the 2025 session to reconsider the policy that 40 other states have adopted. 

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Bishop Ronnie Crudup, Sr., the Mid-South Diocese of the Fellowship of International Church who has been advocating for expansion for months at the Capitol, told he was still hoping the two chambers could reach a “dramatic” last minute compromise. 

“But we will continue to advocate for Medicaid expansion,” Cruddup said. “If something dramatic doesn't happen, we will be looking for other routes to make this happen.”

Lawmakers on Thursday said they expect to end the 2024 legislative session early Saturday.

This article first appeared on Mississippi Today and is republished here under a Creative Commons license.

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