Maeghan Swanson is the Co-founder Arookstook Autism Support Group and says, "A special needs child is very expensive and with having the extra insurance it alleviates some of the financial burden that comes with having a special needs child."
Swanson has a son with autism. She worries President Trumps potential cuts to Medicaid would negatively impact the services her son receives.
Swanson says, "We pay a premium to the state each month to carry the extra insurance for him but it not only allows him to have more therapies and different sessions. It also gives us medical aid health, it gives us section 28 services, which is a behavioral health professional working directly with our son a service that is only available through Maine Care."
When it comes to how people pay for health care there is still a lot of confusion about tax credits and subsidies. Patti Dorman of Pines Health Services explains how it works.
Patti Dorman is an Enrollment Specialist with Pines Health Services and says, "What the government does is they apply a tax credit to a household earning less than 400 percent of the household income."
For example, lets take a family of 4 with 2 working parents and 2 children. If the parents together earn 80,000/ year, they would receive 866 dollars a month in a premium tax credit towards their health insurance.
Dorman says, "Some families their premium would be 500 and because of their house hold income the calculation gives them 420 dollars every month, so they are paying 80 dollars and some families are paying even less."
In short, the government gives the insurance company money which in return comes out of the premium of the individual. Dormans says this a direct benefit to these families or family members.