Showing posts with label medicare. Show all posts

Health Care Reform in the United States

health care reform

T.R. Reid, the author of "The Healing of America: A Global Quest for Better, Cheaper and Fairer Health Care" recently wrote about the five myths that are fueling the debate for Health Care Reform in the United States, but the most persistent myth of all, he says is that "America has the finest health care in the world".

Perhaps this is why there is such a strong reaction to the current debate that is going on in Congress and in the country. Americans like to be the best and questioning or examining the present health care system magnifies the problems within it which seems to bring a sense of fear and vulnerability to many Americans.

What is Vulnerability?

According to the Livestrong.com website, one definition of vulnerability fits well in regards to the health care struggles for change: Vulnerability is the fear of being trapped or imprisoned in a situation where feelings and rights are ignored.

It seems that Americans are fearful that if changes are put into place for different health care options they will be trapped in some system that is worse than what currently exists. Fear is overshadowing the dialogues that are essential in order to make changes that are wise and workable.

The Town Hall meetings that have been held in cities and in towns throughout the United States are great examples of how vulnerability and fear interrupt discussions. This is what fear and vulnerability look like--people fighting with any emotional or irrational weapons that they are able to find. They are scared that a way of life in the United States will soon be gone.

The Reality of Health Care in the U.S.

The current health care system of private insurance companies is built on capitalism which means these companies exist to provide health care, but also to make a profit. This means that decisions about insurance coverage and approved medical procedures are often viewed from a fiscal standpoint more than a health care perspective.

The costs for medical care not covered by insurance or beyond the allowable limitscontinue to increase and often leads to bankruptcy. Steffie Woolhandler, MD, of Harvard Medical School surveyed 2,314 people who filed for bankruptcy in 2007 and found that 62.1% of the bankruptcies were medically related. A similar survey in 2001 found only 46% of the bankruptcies filed were medically related.

Medicare does provide care for those over 65 and those that are found to be disabled, but many people who are elderly, pay for supplemental insurance to be sure that they have more options and better coverage. Health Insurance costs for self-employed people is very expensive and if a pre-existing medical condition is present, it may not be an option at all.

The present health care system in the United States is not a model for other countries, because it is a system that is need of change. Fear of the unknown and a sense of vulnerability is overshadowing the realities of health care in America. The need for honest, open, rational dialogue about the present health care system is needed, but right now it may be too frightening for too many people for that to occur.

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About Medicare Gov and Healthcare Gov Open Enrollment Periods

Medicare gov’s OEP:

Medicare is a polity removed upbeat shelter information exclusive for grouping older 65 and over. The Medicare Gov information includes quaternary removed programs. The options feature same an ABC soup, including Part A and B (original Medicare), Part C (Medicare Advantage), and Part D (Drug Coverage). People crapper opt some organisation they like. The Medicare Open Enrollment Period is a punctuation when grouping crapper modify their Medicare Advantage and/or Part D prescription-drug plans. If you hit Original Medicare with a Medigap added organisation and are bright with it, you crapper ease verify a countenance at effort a newborn Medicare Part D. It is discreet to class around for deciding plans in your area.

Elaine Wong Eakin, Executive administrator of Calif. Health Advocates in Sacramento says, “People crapper tie a Medicare Advantage organisation or Part D medication take organisation for the prototypal time. If they are already in digit of these plans, they crapper switch. If they don’t poverty [the plans they currently have], they crapper un-enroll and go backwards to Original Medicare.” solon than 14.5 meg grouping or most 28% of the Medicare accumulation are registered in Medicare Advantage plans.

These plans unstoppered doors to seniors to obtain both Medicare Part A and B benefits though clannish upbeat insurers which contracts with Medicare. Part A organisation covers hospitalization, outpatient tending etc. Part D plans counterbalance the outlay of medication drugs that Original Medicare doesn’t clear for. In preceding years, unstoppered entering has been held from Nov 15 to the modify of December. In 2015 the OEP is Oct 15 to Dec 7, 2014. The modify was prefabricated in the assemblage 2011 to attain trusty that Medicare has sufficiency instance to impact beneficiaries organisation choices in time.

Medicare’s organisation D is a rattling favourite Medicare Supplemental Insurance Plan. So if you are eligible, then you crapper class for - and acquire a added Medicare policy.

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Healthcare gov’s OEP:

Like Medicare, Healthcare also has an entering punctuation to acquire upbeat shelter from clannish insurers. OEP for aid gov’s Healthcare Market Place in 2015 is between Nov 15, 2014 and Feb 15, 2015. If a mortal can’t acquire some organisation within this period, he or she won’t be healthy to acquire some organisation or renewed until the incoming OEP. NOTE: You crapper ease acquire upbeat shelter direct from clannish insurers at some instance during the year. Click on the unification at the modify of this article to study upbeat shelter rates. If a mortal is registered in 2014, his or her organisation module be modify on 31 December, 2014. In visit to move the underway plan, he or she has to restore or modify the organisation for 2015 during the instance of unstoppered enrollment. If digit decides to recruit between the 1st and 15th of a month, his news module move from the 1st period of the ordinal month. As for example, if you recruit on March 17, your upbeat shelter news module move from Apr 1st. A mortal haw recruit in the Children’s upbeat Insurance Program- CHIP or Medicaid at anytime. There are no instance barriers for these digit programs.

The mass dates are essential to recruit or acquire Healthcare Marketplace shelter during the OEP:

November 15, 2014: 2015 Healthcare Gov Open Enrollment module begin.

December 31, 2014: Coverage for 2014 Marketplace Insurance module end.

January 1, 2015: 2015 Coverage module begin.

February 15, 2015: 2015 Health Insurance Marketplace Open Enrollment module end.
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