Medicare part D is a subsidized health insurance program to cover for prescription drugs The program was introduced when there was the need to improve drug coverage. The former president George Bush, On December 8, 2003. Signed Medicare Prescription, Drug Improvement and Modernization Act, which created Medicare part D. these program was intended to offer voluntary drug benefits. Medicare part D, since its introduction, has contributed a lot in health insurance, some of its benefits are; 1.
It depends on “multiple insurers and plans competing for customers.” When the coverage changes, people will struggle with “higher payments for increasingly restricted services”, which is even worse in many situations. Unlike McCardle’s solution is having both the universal and the free market plan for healthcare, Chaufan focused on just the free market one, which she continued to evaluating the pros of Medicare, or the single-payer system. First of all, it covers for everybody whether documented or not, on every needed services. Also, patients will have the choice in providers, which is more beneficial.
Over 28 million people in the world receive health insurance through the Medicare program (Gornick, n.d.). The medicare program was designed to operate throughout the nation with a set of uniformed benefits and cost-sharing requirements in the form of deductibles and coinsurance. However, over the years the program data indicated that the Medicare premiums and deductibles, benefits paid out varied significantly by state of residence of the beneficiary (Gornick, n.d.). These variations are due to part of the fact that reimbursements are based on local physicians' prices. Many policy analysts suggested that the geographic variations in Medicare reimbursements should be reduced (Gornick, n.d.).
Medicaid is a Federal-State partnership wherein the federal government absorbs the bulk of the expenditure. States are given the flexibility to manage their Medicaid programs as long as minimum federal requirements are met. This arrangement allows states to provide coverage based on their specific structure and needs. 28 States and the District of Columbia signed up for the Medicaid expansions under the affordable care act (David et.al). The states that opted out of the expansions have the most number or uninsured and poor residents.
Medicare Kelsey Reinholt SOC 400 10/22/2015 Les Lazarevic ABSTRACT The focus of this paper is to provide knowledge over the Medicare and its requirements. This paper explains some challenges that might occur with the choices on Traditional Medicare, with Medicare+Choice, there is usually an incentive financially or at least an encouragement for a transfer to the private sector for little to no cost. Medicare and Medicaid, two publicly funded health programs, both cover populations in need of long-term care, but they are poorly coordinated.
The external environment around Obamacare consisted of the citizens of America as well as the politicians who represented them. Americans up to 2010 were not receiving the health care they so direly needed. A population recovering from recession in 2008 coupled with high medical costs, led to a concerning amount of Americans not getting the medical care they need. In 1999, 9% of the American population did not get the health care they needed because of cost; this number jumped to 15% in 2009. This problem was even more evident for the numerous Americans who were uninsured.
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?
In 2014, there were 9.9 million people who are dual eligible (Medpac, 2016). Out of them, 7.1 million were eligible for full benefit and 2.8 million were for partial benefit. Dual eligible beneficiaries include seniors and non-elderly people with significant disabilities, accounting for disproportionate share of spending in both programs. Medicare patients require higher use of medical services such as hospital care, home health care, physician services, durable medical equipment, and prescription drugs. While Medicaid patients have relatively high spending attributed to their need for long term support services (LTSS), such as nursing home care or community based care.
Medicaid is another beast entirely, as Medicaid has been somewhat unsuccessful providing affordable healthcare for the poor as Medicare did for the elderly and disabled, while it still maintains a massive amount of fiscal spending. These failures, are mainly due to Medicare being set up as a Social Security program, while Medicaid established a program independent of Social Security. There have been a few pushes for reform of these acts, due to cost or not containing particular types of care, and some have happened, especially as of late with the introduction of the Affordable Care Act, though the there has been little success in comparison to its' sister, Medicare. Despite the shortcomings of the Amendments, such as the lack of coverage
Yet, the new replacement plans raises costs for the older Americans. Unlike the GOP plan, Obamacare limits how much insurers can charge this demographic, stating that they can only charge them up to three times the amount as young Americans (Zurcher). Mainly due to retirees not having a steady income, Obamacare has put this cap on how much insurers can charge. With older American’s health deteriorating and needing more health care, they are able to receive the care they need without having to pay for it all out of savings. With the GOP replacement plan, insurers can charge the older population up to five times the amount of younger consumers of health care and can let the states choose their own ratio (Zurcher).
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.
Interning last year at the Puerto Rican Family Institute clinic in Brooklyn, provided a personal insight on how limiting, frustrating, and influential insurance plays with receiving high quality care. Most clients served were from a lower socioeconomic class and covered through Medicaid. Insurance plays a big part on how services were delivered and what staff are expected to do. I am very familiar with the government funded healthcare because I worked for the county for several years prior to attending graduate school, as a case manager for the TANF program. Medicaid is a government funded program that cover families and children everywhere in the U.S. and has many flaws with the way that the policy was written and implemented.
Opposition and Rebuttal: some critics may say the Medicaid already takes up too much money. However, Medicaid also spends 75% of its long-term funding on costly nursing homes, instead of keeping people in their own homes. According to the article “Some elders must take drastic measures in order to obtain long-term care” by Mary A. Fischer, “ Medicaid is overly focused on nursing home care with far fewer resources allocated for home care.” That means that if Medicaid tried to keep people in their own homes, it wouldn’t be as costly to keep up as it is now. AARP, an advocacy organization for older Americans, did a research that shows that 90% of Americans prefer to remain in their homes as they age.
Right now, Medicare is America’s health insurance program for anyone over the age of sixty-five, people who have documented disabilities under the age of sixty-five, and people who suffer from End Stage Renal Disease. A countless number of people look towards Medicare as a sense of stability when they become elderly or sick. Although Medicare does cover numerous basic medical appointments, it fails to cover many long-term medical conditions. Ever since former President Barack Obama, passed the Affordable Care Act, also known as Obamacare, in 2010, over twenty million Americans have garnered medical insurance. Obamacare and Medicare put together helps this group of Americans pay for preventative services that eventually may save their life.
Women in the Patriarchal Society Women today have way more rights than those about 100 years ago. Unlike the story Hamlet, women are able to have independence and do not have to depend on men today. While in the past, women were seen as housekeepers and mothers. They had to listen, respect and obey their husband or the man of the house.
