Who Will Be Able To Afford To Get Sick?

What Will Happen To Medicare, Medicaid, etc.?

Obamacare, as it was labeled never, became the panacea to heal our health care system ills in terms of making health care affordable to all. During the Obama administration under whose “leadership” saw healthcare costs and premiums skyrocket. The net effect was doctors ceased accepting Obamacare leaving fewer doctors for Obamacare patients to go to. The doctors you were promised you could keep ran away from the plan as it was deemed toxic.

Donald Trump takes office as the new President of the United States with a commitment to abolishing the failed Obamacare system and replacing it with a new plan that has yet to drawn up. In addition, there are plans to reconfigure Medicare leaving millions of Americans fearful they will be left without coverage and once again leave the doctors they had come to know and trust. Medicare has been under attack for years as has been deemed a waste of taxpayer dollars. As much as I am excited about the possibilities that a Trump presidency will bring I like many others are worrying about the state of healthcare.

Medicare for those who do not know is the federal health insurance for people or are 65 years of age or older. Certain younger Americans with disabilities, and people End-Stage Renal Disease (permanent kidney failure requiring dialysis or a transplant, sometimes called ESRD.) Medicare is broken down into Medicare Part A which covers hospital stays, care in a skilled nursing facility (aka Nursing Home or Rehabilitation Facility), and some home health care. Medicare Part B covers certain doctors’ services, outpatient care (similar in this regard to Part A) medical supplies, and preventative services. Medicare Part C (Medicare Advantage Plans) a type of Medicare health plan offered by a private insurer that contract with Medicare to provide you with all your Part A & Part B benefits. Medicare Part D (prescription drug coverage) Part D adds prescription drug coverage (as stated previously) to Original Medicare.

From the summary of the different components of Medicare, it is easy to see why the program has spiraled out of control in terms of cost. There is a duplication of coverage in several sections of the plan. Depending on your plan and if you have supplemental insurance such as Medicaid your premiums can force you to choose between your health coverage and food. This is not a choice any American should have to make.

Medicaid is a program for New Yorkers (the program differs out of New York State) who cannot afford to pay for medical care. Medicaid is a benefit program (some label it as an entitlement that encourages recipients to use it to get money from phony doctors or treatments that were either unnecessary or nonexistent. Congress has been grumbling for years that a greater percentage of the cost of Medicaid should be paid by the individual states who claim they cannot assume this cost forcing the Federal Government to subsidize it. Fraud is not a term that is not attached to the Medicaid program. Part of the blame falls back onto the government as there never was and continues to be a lack of a competent monitoring system to make sure costs of services are not being driven up by unscrupulous doctors, pharmacists, hospitals, rehabilitation facilities, nursing homes, etc. Each of the institutions named has a system in place where kickbacks are given to the patient or the referring part of the provider of service. This practice has been in place for years that despite the occasional crackdown the “system” is pretty much operating as it has for decades.

Given these problems that are associated with both Medicare and Medicaid it should come as no shock that now with a decidedly Conservative wave that has enveloped this country there is plenty of room for those who are legally entitled to the benefits they receive without abusing the programs left to wonder what will be with their health coverage as these programs are now more than ever under the microscope with an eye to eliminating or at least drastically cutting back on the expenses that are incurred leaving more people uninsured.

The sick and the elderly have the most to fear. Those who are receiving benefits for which they are not entitled are the ones who must be cut so that the legitimate recipients are not affected. To force people to choose (as I mentioned earlier) between their medical care and food is despicable and should not be one that needs to be made. This administration will need to take a close look at these programs and come up with refinements or replacement coverage that does not force this choice on the needy. Doctors need to be involved in this process even though they are part of the problem as well.

Inauguration Day is not until Friday, January 20th @ 12:30 pm. While nothing will change immediately you can be sure changes will be made and are long overdue to be made within short order. We have long since been made aware of the staggering costs these programs strain the budget on both the Federal and local level. It is the hope that the very talented people put in place by the incoming President will also be of great compassion along with an abundance of wisdom.

As health care costs rise even the wealthier of Americans are struggling with the cost though not to the same extent as those with lesser income or capabilities. Can anybody afford to go into a Nursing Home or similar facility or pay for an aging parent to reside there and not destroy them financially to the point where the grown children now with families of their own may face foreclosure of their homes as they become financially responsible for their aging parents? The health care program financial demands on the Federal budget seem to increase leading for calls for spending reductions. The two funded (local and Federal) health insurance programs that are the two highest drains on the “books” today. Clearly, like all programs be they on either level of the government tighter controls via audits and checks and balances there should be no suffering to go around.

A person who is uninsured that is hospitalized causes the cost of health care even more. You have a hospital that treated a patient and now must eat the cost of treatment. Granted there are gross overcharges ($10. for an aspirin) that add to this problem. If you do some basic cost calculations in your head it is easy to see that uninsured people will become an almost incurable infection to our health system. This makes the case for making sure those who need medical coverage will have it even if they legitimately and through no fault of their own cannot pay for it. Obamacare was in theory supposed to take away that problem. Instead, it added to our debt not to mention more Americans are uninsured than 8 years ago as the program was a colossal failure.

We welcome the new President and look to him to use his intellect and his humanity to solve this problem for the good of all Americans.

Joel Elveson
Joel Elvesonhttp://billions1.wix.com/fasthire
INDEPENDENT Executive Recruiting By Joel is an "up and coming" Executive Search Firm formed and headed up by Joel Elveson whose visionary ideas, leadership & creativity has brought to life a more "user friendly" approach to recruiting. His clients and candidates form powerful strategic partnerships that we use to help you. Joel’s Firm offers Permanent, Temporary (case by case), & Temporary To Permanent staffing solutions for all of your Human Capital Requirements. Contract IT/Consultants are available if needed. Above and beyond they are experts (by way of their personal industry work experience) with mortgage, mortgage banking, middle market banking, accounting, along with many others under the vast financial spectrum of disciplines. Their business goes beyond candidate recruiting as they also train, mentor and develop your internal recruiting staff with an eye towards helping you reduce the cost of hiring. They will also work in areas such as compensation, effective onboarding processes and alike. In other words their business is to help your business by becoming an extension of you by filling in gaps that cause delay or waste. The recruiting methods employed by Joel’s team are time tested that result in a high rate of successful placements. Joel was trained in the art of recruiting by some of the top staffing industry executives in addition to the best recruiter trainers who to this day drive me us to exceed the lofty goals he has set forth.
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Bharat Mathur

Great job here, Joel Sir! Your analysis speaks volumes. The only solution at this stage is to ‘Wait and See’ what the tide brings in its wake!

Chris Pehura
Chris Pehura

With the new monitoring devices we will drastically decrease our health care costs. We will spot the causes for an individual’s high blood pressure, high cholesterol, insulin resistance, and so on; then treat the individual accordingly to that individual’s needs. For instance, monitoring devices can help the doctor confirm that the individual needs to get more sleep, exercise more, or avoid eating certain foods even healthy foods such as carrots.

Anonymous
Anonymous

Chris, Thank you for commenting on my article. Your ideas carry a lot of merit. The more we can make if possible for people to see a doctor regularly the cost of health care will go down as all those uninsured Americans will not be without coverage or put stress n family members who can’t afford to pay for their parents health care.

Ken Vincent
Ken Vincent

Great simplification of a complex mess, Joel. Anyone that thinks Obamacare is good doesn’t understand the issues. What I have seen personally: A couple who was forced to go from their private insurance to one provided through ACA saw their premiums increase 400% and their deductible/co pay double. A man in front of me at the pharmacy declined his drug refill because it had doubled in price and he couldn’t afford it. A woman can now have an exam by her OB only every 3 years instead of annually. A doctor told me that his income has dropped so radically that he will be 67 before he is out of debt for student loans and starting his practice. A doctor that told me specialists are scheduling patients every 3 months instead of annually to make up for the decrease in income.

Chris Pehura

The USA usually don’t want to look at or compare how other countries have implemented their policies around health care. If it’s not American, it doesn’t have merit. On the other hand, Canada is always comparing its system to the USA’s and to other nations.

Both nations have troubling problems with their health care for the elderly, and there is significant overlap with not only the problems but also with the potential solutions.

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