Archive for November, 2009

ANSWER to Pop Quiz! Who Said This? About What?

As a spokesman for the AMA, Ronald Reagan said this about the dangers of passing Medicare:  “… behind it will come other federal programs that will invade every area of freedom as we have known it in this country.  Until one day, as Norman Thomas said, we will awake to find that we have socialism.  And if you don’t do this and if I don’t do it, one of these days you and I are going to spend our sunset years telling our children and our children’s children what it once was like in America when men were free.” 

Ronald Reagan, our beloved Republican president,  said this as a spokesman against Medicare.  Now Republicans laud Medicare, say they are its champion, but say that health care reform must not  pass as it will lead to socialism and the demise of Medicare.  There is little new under the sun! 

Tell your senators to vote for health care reform – with a public option.  Like Medicare it is desperately needed and, if passed, it too will become a beloved institution. 

Someone, someday, will thank you for fighting for it and will praise your senators’ votes.

November 30, 2009 at 6:23 pm Leave a comment

Connecticut’s Senators, Health Care Reform, and Lessons From Medicare

The Center for Medicare Advocacy is incorporated and headquartered in Connecticut.  People from this state can be proud of the courage our senior senator, Chris Dodd, has shown in leading health care reform.  As a leader of the Senate’s efforts, Senator Dodd is once again speaking and fighting for real reform, to include a public option.  We urge our other Senator, Joe Lieberman, to review the true costs and principles involved in this historic opportunity to insure all Americans, and to vote along with Senator Dodd for real health care reform.

The Center has been representing people with Medicare since 1986. We know what we’re talking about when we talk about the benefits and costs of public health insurance. 

Medicare is public health insurance. It brought basic health coverage to older people in 1965, when 50% of people over 65 had NO insurance because the private market didn’t want to insure them. All the arguments being made now against health care reform and a “public option,” were also made against Medicare before it passed. Medicare was hardly bi-partisan legislation; it barely passed.

Now most everyone appreciates Medicare and the health and economic security it brings to older people and their families. We can only hope Congress, and both of our Connecticut senators, will vote courageously again, as those before them did to enact Medicare.  This time we call upon Congress to bring health and economic security to younger Americans by voting for health reform – with a public option.

November 20, 2009 at 10:57 pm Leave a comment

Private Medicare Costs Too Much – THAT’S Why The Payments Should Be Cut

If Republicans and “conservative” Democrats really want to save money, help taxpayers, and serve Medicare beneficiaries, they will cut the wasteful subsidies to private Medicare plans. Private Medicare plans cost taxpayers about 14% more than would be needed to cover the same services in the traditional, public Medicare program. Private plans should be paid the same rate as original Medicare; we simply can’t afford otherwise. The subsidies to private “Medicare Advantage” plans cost taxpayers about $10 billion a year!

 

November 18, 2009 at 10:14 pm 6 comments

CMA’s Executive Director Participates in Healthcare Forum with the First Lady

November 17, 2009 at 5:16 pm Leave a comment

Private Medicare Plans – Bullies On The Playground?

Medicare “Advantage” private plans were created not-equal in 2003. Not equal to “regular Medicare” because the law gave private plans a windfall of about 14% more per covered beneficiary than is paid for the same coverage in regular Medicare. We have all  been paying for this – to the tune of about $10 billion a year!  So, if paying the private plans the same as the traditional program means they take their balls and go home, so be it. We simply can’t afford to pay for the kind of profit the private plans seem to insist they make at the expense of Medicare and taxpayers.

The Center for Medicare Advocacy has long been concerned about the extraordinary costs of private Medicare. The movement towards fragmenting and privatizing Medicare was advanced by the Medicare Act of 2003.The lessons from privatizing Medicare should be applied when developing health care reform: No matter how much some people may want to believe that the private market is always a more cost-effective model than a public program, it just isn’t so. Medicare proves the point.
• When Medicare private plans were paid 95% of what it costs to provide the same coverage in the public Medicare program, they left the program in droves. They couldn’t make enough profit. (“Medicare+Choice,” enacted in 1997 as part of the Balanced Budget Act of 1997.)
• Under the “Medicare Advantage” program, passed in 2003, private Medicare plans are paid about 14% more than the same coverage would cost in the traditional public Medicare program. And, not surprisingly, private insurance plans have flocked back into the system. The insurance industry is making a windfall from this system – at the expense of all Medicare beneficiaries, including the vast majority of beneficiaries who still choose “regular Medicare.” Taxpayers overpay too. (CBO, MedPAC, Commonwealth Fund.)
• The private Medicare plan program is bleeding the Medicare trust fund, reducing Medicare’s solvency by about 8 years.
If Congress passes a requirement that all Americans have health insurance, but does not provide for a public option, we will have been taken to the cleaners yet again. Private insurance will gain tens of millions of new customers and we taxpayers will all pay a much higher bill than is necessary. Medicare’s experience proves this.

November 16, 2009 at 9:12 pm Leave a comment

Meeting With The First Lady About Health Reform

Like many of you, I am a mother, a wife, a daughter – and now, amazingly, a grandmother.  I am also a lawyer and I run this small business, the Center for Medicare Advocacy. The Center is a non-profit organization founded in 1986.  We represent older and disabled people with the focused mission to ensure fair access to Medicare and quality health care.  So I know something about advocating for health coverage.

Michelle Obama is hosting a meeting about health care reform and women on November 13th.  Wonderfully, the Center has been invited to participate.  So tomorrow I’m going to Washington to tell my story to the First Lady. 

I’m healthy. I tend not to catch the various viruses that run through my office and community.  I exercise, eat a largely vegetarian diet, live an engaged life, and get the recommended medical and dental check ups.

So I was taken by surprise when I was diagnosed with Breast Cancer four years ago.  I had a mammogram just a few months earlier.  But the bottom line is, stuff happens. We’re all human, and human beings get sick, even if they do “all the right things,” and take care of themselves.  From a person who rarely saw doctors, I became a full-time patient. Even now, four years later, I am involved with treatments and tests far more than I like. 

It is silly to suggest that people over-utilize health care because they have health insurance. Yes, my insurance covered most of my care. But many of these tests and “procedures” are painful and many of the medications have dreadful side-effects.  No one would choose this.

On the other hand, a lack of insurance authorization almost led me to skip important care.  However, because I knew how to pursue an appeal, I obtained authorization and proceeded with the treatment – a good decision since I almost needed a transfusion even with them.

I continue to be faced with decisions about follow up treatment and insurance coverage obstacles.  I have had to urge my doctors to make their best medical decisions and to leave the insurance battles to me. But if I were not a lawyer who has been fighting for proper health insurance for other people for 30 years, I might not be getting the treatments I need. 

My story is only different from everyone else’s because I do have insurance and because I am a professional advocate. We all get sick, we all get injured.  But we don’t all have insurance, and we aren’t all health care lawyers. 

All women, all people, need health care and we all need help paying for it.  This is particularly a woman’s issue because we live longer with more chronic conditions than men and because we are often primary caregivers – for our kids, our spouses, and our parents, all of whom get sick. 

I’m telling my story because I’m told it may help.  Tell yours too.   We need quality health coverage – including a public option – for everyone.  I know this as a woman, a patient, and an advocate.  As the First Lady suggests, we need to make our voices heard now. 

Urge Congress  to seize this opportunity to provide health care security for everyone.  Pass health care reform this year!

November 12, 2009 at 10:04 pm 1 comment

Congratulations America: Healthcare Reform is Moving Forward

The Center for Medicare Advocacy is grateful to those who courageously voted for the Affordable Health Care for America Act, H.R. 3962. This legislation goes a long way towards ensuring for all Americans the peace of mind that was brought to older people and their families with the passage of Medicare in 1965.

Medicare itself is based on the notion of  a shared a public/private undertaking and of pooling resources for the common good.  In Medicare’s case, the common good is that of older people, people with disabilities and their families. The Affordable Health Care for America Act advances the common good to all Americans by expanding access to health care to America’s uninsured and by implementing private market insurance reforms.

Among other things, the legislation passed by the House of Representatives will:

  • Provide affordable health insurance options for those currently without coverage;
  • Provide a Public Insurance option to provide competition with private insurance and keep costs down for individuals and taxpayers;
  • Prevent insurance companies from denying coverage to those with pre-existing conditions;
  • Prevent insurance companies from dropping the coverage of those who get sick;
  • Prohibit insurance companies from having life-time limits on benefits;
  • Ensure that insurance companies offer real value for premiums paid;
  • Strengthen Medicare for the more than 44 million older people and people with disabilities who currently use the program and for future generations of beneficiaries;
  • Improve Medicare’s payment to doctors and thus ensure that Medicare beneficiaries can continue, as they do now, to see the doctor of their choice or find a doctor if they need one;
  • Require Medicare, as well as private insurance, to provide preventive benefits without application of cost-sharing;
  • Promote care coordination in Medicare – especially for those with multiple chronic conditions – through various pilot projects;
  • Improve access to Medicare-covered services for low-income beneficiaries by strengthening the programs that serve these individuals;
  • Lower drug costs for Medicare beneficiaries by closing the Medicare Part D “Donut Hole”  coverage gap
  • Lower drug costs for Medicare beneficiaries by allowing the government to negotiate for lower drug prices with pharmaceutical companies;
  • Provide benefits to help older people and people with disabilities live in their own homes and communities by establishing the Community Living Assistance Services and Supports (CLASS) program.

The Center for Medicare Advocacy applauds  President Obama, Speaker Pelosi and all members of the House of Representatives who have worked so hard to bring this legislation to life.   We urge the Senate to follow suit soon!

November 9, 2009 at 5:13 pm Leave a comment

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