Why Not

I am a husband, father, son, brother, uncle and friend. I believe in sharing my talents and experiences by giving back to the community by giving my time to coaching, church and especially to the disability community. I truly believe that all men and women are created equally.

Medicare as a Voucher Program

I have been thinking a lot about the proposal to fix the ills of the Medicare and Medicaid programs.  I started with Medicare (correction).  While these are enormous sums of money, we must remember that we are dealing with real people here.  There is a face that goes with every claim.

Medicare is the program that reimburses hospitals and physicians for medical care to those who qualify that are over 65 years old. 

When I apply for any insurance, whether it is life, health, auto or home, the inusrance company performs some type of risk assesment on me and determines a rate for a desired coverage. As I get older, my rates for the health and life coverages will go up.  

If we change to a voucher system for Medicare, are seniors going to be able to afford coverage from an isurance company.  Let's add the possibility that some applying for this insurance have a pre-existing condition, such as dementia, or a disability, such as Down syndrome or Autism.  What are the insurance companies going to charge for these coverages?  If the voucher rate does not cover for these individuals, what are the alternatives?

Do the individuals just not purchase the insurance and let nature run its course?  Having just lost an Uncle to dementia, this would be a huge hardship on the individual as well as the family.  We need to treat and care for all people with dignity and respect.

Are guidelines going to be placed on insurance companies as to how much they charge individuals?

Are inurance companies going to place caps on enrollment?

One thing that I am wondering is why we do not hold people more accountable for what they are doing?  Why is it after the fact that we are seeing hundreds of thousands, even millions of dollars wasted because of lack of oversight.  This is not only in the Medicare and Medicaid programs, but in Defense and Social Security as well.  Do you think that enought money is wasted and fraudulently spent that could make up this shortfall?

A suggestion I have would be to hire more auditors to do a better job of monitoring these programs instead of taking away from those who rely on it the most.

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