Big Changes in Medicare

If you have health care coverage through Medicare, don’t forget that between October 15^th and December 7^th Medicare folks have to decide if we’re going to keep our current plan (different versions of straight Medicare or a Medicare Advantage plan, which operates like an HMO or PPO) or opt for a different one. If you decide to keep your plan, you don’t have to do anything. But if you want to change your plan, it has to be done by December 7th - a day that now lives in infamy for this additional reason (in addition to Pearl Harbor, young people).

This year, it’s worth noting that in many instances, what is covered and to what extent it’s covered, has changed more substantially than in previous years. That’s because very extensive budget cuts were made that we’re really going to feel in 2015 and beyond. I have the Blue Cross/Blue Shield Advantage Plan and my co-pays will increase; it seems that some of the medications I take are no longer covered; and there is now a deductible for medications as well as higher prescription costs. I’ve learned this by just quickly glancing at the phone-book-sized package of information I received from BC/BS. I haven’t even had a chance to look at the government’s phone book, “Medicare and You,” but I’m going to have to review them both very carefully and probably make a few phone calls, too.

However, I did come across two articles that nicely summarize what’s going on and can help us plow through this frustrating process: one from Fiscal Times and one in The New York Times, both of which are more than worth a click, so I urge you to click on these links and help yourself understand what’s new, ‘cause it ain’t good news. Note that both articles suggest you also visit the official Medicare site, which is a good idea, as is contacting your current plan (the stuff they send you includes a phone number). And by the way, if you haven’t yet received your “phone book” (you should have gotten it by September 30^th), call your plan and request it. Ditto for the government tome.

I supported the Affordable Care Act and I still do. It’s apparently doing some good for millions of Americans who had no health coverage or really bad or quite unaffordable coverage. But I haven’t forgotten that it was constructed from a very big, very sloppy law with far too much input from insurance and pharmaceutical companies. And the hateful, dysfunctional GOP forced Medicare cuts to help pay for it. After all, what else could possibly have been cut and the idea of tax reform that forces rich individuals and corporations to pay more is out of the question!

The plain fact is, all health care coverage in America is bad, primarily because health care in this country is a profit-making business. If you’re on Medicare (or anything else) and are sick or get sick or need major surgery, you’re screwed. Even if you have a Medicare Supplement Plan, you’re screwed. If you don’t have plenty of your own money to supplement your health care plan – whatever it is, including Medicare – you’re screwed. Indeed, having enormous medical bills they can’t possibly pay is now the primary reason that people go bankrupt – by the millions – and that situation is only going to get worse.

So, after you spend a cozy night by the fire with your latest Medicare information materials – and try to resist throwing them into the fire – I strongly suggest you phone or email the offices of your Senators and Congressional Representative and let them know that the Medicare budget cuts are doing you harm. I promise you that a deluge of such communications will not go unnoticed by them. You might want to do this both before and after the November election – in which I urgently hope you plan to participate. 

Wake up and smell the calendar. It’s not the 20^th century anymore.