The Benefits Of Medicare

As the baby boomer generation reaches retirement, which the numbers will double by 2030. they are wondering if there will be health care as they grow into their golden years. They are looking towards the government for the answer. With the cost of healthcare continuing to rise, the government which its divided Congress needs to come together to get healthcare on solid ground and make sure there is enough for everyone for years to come.

I believe as a society we have moral obligation to provide healthcare to all the citizens of our nation. How would that become possible is the question? No matter what we choose as the solution to this problem, there will always be pros and cons. I think the answer is socialized medicine. Can a country like the US have socialized medicine? Yes we can, we are of a few who don’t. The cost of healthcare has been driven up so high that no one can afford it. My employers in Illinois is now insuring only the employee under the benefit plan and the spouse must use their employer, this can equate to much higher cost and employee dissatisfaction. I also see many people who bought plans from the marketplace applying for Medicaid as a supplement because with a high deductible of $15,000 they didn’t realize that they would continue to pay until the deductible amount is met. This is out of control.

Additionally, the premiums are regarded by individuals in the low socio-economic background as an extra expense that should be avoided; this has motivated many people in the society to neglect the existence of insurance companies. Currently, a significant population in the United States, especially those in the self-employed sector does not pay premiums to uses the services of medical insurance companies. The universal health care program, however, will eliminate the issue of monthly premiums; instead, it will prompt the government to focus on discovering new revenue generation strategies to fund healthcare expenses in the

Medicare is funded by taxpayers, with money coming out of each paycheck, social security benefits. I believe this is effective as of right now, but I do not believe that by the time I turn 65 medicare will be running effectively. Medicaid is funded by state and federal governments. With states covering over half the cost. I believe funding programs and organizations that help provide care and inform our citizens is a great resource it will lead to less costs of healthcare for care that could have been avoided. I believe that is our duties as citizens to help those less fortunate and help care for our fellow citizens. Therefore, this may require that we have to pay more taxes in order to provide for

46.8 million Americans were reported as uninsured in 2013, which equivocates to one sixth of the population. Those without insurance have revealed that they risk “more problems getting care, are diagnosed at later disease stages, and get less therapeutic care” (National Health Care Disparities Report) and those insured risk losing their insurance. Inadequately covered citizens are often working-class individuals who simply cannot receive insurance due to uncontrollable inconveniences and therefore jeopardize having medical coverage. In these instances, Americans have a chance of being diagnosed with diseases that they had no opportunity to prevent or could not diagnose them at an early stage of the illness. Patients have suffered unnecessarily due to lack of health care, and “18,000 Americans die every year because they don't have health insurance” (PNHP). Health care is essential for Americans despite pre-existing conditions, and a free market insurance program would allow citizens to received the health care that is so desperately needed. A universal health care system is a matter of human rights and would solve America’s problem of one sixth of the population being

A high-rate of Americans living without health insurance coverage in one of richest countries is a major social issue facing the United States. Sered Fernandopulle and Ebrary research showed that there are over 40 million uninsured Americans that are falling through the cracks of the health care system. The question why have already been answered. Now the other question is what does it means for society as a whole when an extremely high-rate of adults and children suffer due to inadequate and inaccessible medical care. Uninsured Americans’ lives are greatly being impacted, by not having no health insurance, according to interviews with 120 uninsured men and women and dozens of medical providers, policymakers, and advocates from around the nation. Sered, S. S., Fernandopulle, R. J., & Ebrary, I. (2005;2004;). Uninsured in america: Life and death in the land of opportunity. Berkeley, Calif: University of California Press.

In the United States, many people are without health care insurance due to having a financial crisis. Most elderly, the disabled, and lower-income families can contest to being without health care coverage at all. Not being able to afford or have healthcare insurance occurs because medical insurance is very costly. Selecting the right health care insurance can greatly impact a person life expectancy. With the help of government support programs, many people can have the choice of healthcare insurance. The goal of this essay paper is to explain the differences and similarities in healthcare insurance programs.

In the United States, Medicare is the program supports people over age 65 with medical care. It also provides support for persons with certain disabilities and people of all ages who have kidney failure. Medicaid is a state administered program that provides medical support for a broad range of people. However, each state administers Medicaid individually and this creates inconsistencies in the program across the country. There are specific rules for judging just how much money someone receiving Medicaid can make and be eligible. In addition, there are separate rules for people in nursing homes and children with disabilities who live at home. There is a long list of regulations that explain who is eligible for which services. The Patient Protection

Medicare is a federal government administered healthcare program originally implemented on July 1, 1996. Medicare has four parts (A, B, C and D) that provide different areas and differing levels of coverage. All Medicare programs provide coverage for cover healthcare services to qualifying individuals, known as beneficiaries, which includes Social Security beneficiaries over the age 65, people under 65 with certain disabilities, and people of all ages with end-stage renal disease. Each program provides coverage for medically necessary care and services to covered beneficiaries and has deductibles or copays for covered services. Medicare Part A, Medicare Part B and Medicare Part C all provide coverage for medical services. Medicare Part C and Part D provides prescription drug coverage.

Now that the Affordable Care Act has been implemented it is allowing for elderly to be able to get yearly exams and wellness checks. The

Everyone needs to have an easy access to health care at some point and our tax money should benefit us from it. We should no longer need a “pass” to see a doctor and to be treated nor we should worry about expensive bill while struggling to be healthy at the same time.

Some variability differs with the capability of providing out-of-network health providers and the services in which can be provided. By having a broad range of choices that can be provided, will cause a higher the cost for the individual that is paying. Most Medicare patients have received the managed care plans due to promises of a lower copayment amount and often medication benefits. Medicare post-acute spending has grown rapidly with the number of users between 1999 and 2007. The growth in Medicare short-term post-acute service use, in part, reflects short hospital stays and a growing demand for rehabilitation services. In my experience I have noticed that medicare long-term facilities are usually less costly than home health or even

2014 Medicare Part B IRMAA & 2015 Medicare Part B Standard Reimbursements – Update #2 – By now, all those eligible Medicare retirees who have their pensions deposited electronically should have received their 2015 Medicare Part B standard reimbursement and, if eligible, their IRMAA reimbursements electronically (provided you applied for it in a timely fashion) on or about June 17. Also, those who do not have their checks deposited electronically, also should have received their reimbursement checks by mail. Please notify me if you did not receive either reimbursement…Question: In 2015 my Medicare Adjusted Gross Income (joint) was under $170, 000 and yet, I had to pay an IRMAA surcharge. Why? Answer: The Part B premium you paid in 2015 was based on your 2013 income, which had to be greater than $170,000. In general, your Part B premium for a given year, say the upcoming 2017, will be based on the income you received 2 years previously, or in this case, 2015.

In the U.S, the citizens and government have been working at getting a universal healthcare system for nearly a decade. Many times, advocates for a universal system such as this, have believed that they were on the verge of success, but time and time again they got shot down. Other countries such as Sweden, Denmark, and France have had universal healthcare since the 1890’s, almost as long the U.S has been trying to get it themselves. During this time the U.S government left the matter of healthcare into the hands of the states, and the states left it into the hands of private and voluntary programs, which of course, eventually lead to the wealthy having more benefits because they were able to able to afford what these programs had to offer

People on fixed income tend to have poor health. There is a choice that has to be made on behave of the patient, do I eat food or have money to purchase my pills. It is sad to say but this is a reality in the lives of many people. Although the health reform benefits many because of its mandate people who did not have insurance or was uninsurable now have the benefit. Although they have to benefit to see the doctors, there are many more who still have to make the choices of food or medication. For example, people with low socioeconomic status may have to choose between food and medication because they have not been educated properly about their medications and its cost benefits. This group of individuals may not have the capacity to ask