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Case Scenario:
In 2012, Ryan graduated college and took a part-time teaching job that fit in with his overall career plan to be an educator. Unfortunately, that job did not provide health insurance. One rainy day, Ryan slipped going up the stairs of his apartment building and injured his knee. Initially, he had no problem walking, but over the next few days, swelling increased, and his mobility became limited. Ryan was reluctant to seek care, knowing he could not afford to pay the bills. His father insisted he seek emergency care, which Ryan finally did. Upon arrival, Ryan was told that he would likely qualify for Medicaid given his low wages and further informed that his emergency visit would be covered by the hospital's charity care program. Ryan was diagnosed with a knee injury likely to result in debilitating pain and limited motion unless he received lengthy physical therapy not covered by Medicaid. In an attempt to preserve his mobility, Ryan ended up taking a lower-paying office job that offered benefits, but even then, physical therapy services required a high copay, and there were strict limits on the number of visits.
Question
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