08-19-2012, 09:46 AM
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All Pro Poster
Join Date: Sep 2009
Posts: 12,233
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About That Medicare Plan....
The one that won't affect those 55 and older.....
What happens to those millions of married couples who are going to have one person in both age groups? Does that mean they will no longer qualify for a "family plan" after retirement? When both my parents were alive and on Medicare they, like every normal married couple with the same group insurance plan, payed a lower rate.
However, if the older spouse is covered under the guaranteed traditional Medicare plan he/she's been promised but the younger spouse is covered under the voucher plan, won't they both be paying the higher individual rate for their obviously different plans?
Also - Paul Ryan's plan calls for contracting the voucher plan to the second lowest bidder - subject to change yearly.
I don't know how many of you have dealt with insurance companies but they pay slowly sometimes....sometimes it takes more than a year. There is a huge potential for bills to become lost in a system in which the carrier change yearly - if you were hospitalized in November and the bill hit the insurance company in late December and the carrier changed on January 1st, I can pretty much assure you, based on years of medical billing experience, that bill is going to become lost and remain unpaid and eventually it will end up as the patient's responsibility because both insurance companies are going to deny responsibility for it.
How many old people are going to be able to keep up with, not only a yearly changing premium (which makes it hard to budget your limited funds) but also with changing carriers, changing forms, changing benefits and changing addresses?
And what happens if there are no bidders? One of the reasons Medicare was formed in the first place was because no private insurance company wanted to cover senior citizens. Face it, they're the most expensive people to cover. If they didn't want them then, when medical expenses were much smaller, what makes Romney and Ryan think they're going to want them now? Especially if they abolish ObamaCare as promised. Without ObamaCare there is no guaranteed coverage for people with pre-existing conditions anymore.....that means no insurance company, even those bidding for a Medicare voucher plan, needs to accept anyone with a pre-existing condition....show me a 82 year old without at least one pre-exisiting medical condition and I'll show you a one-in-10 million 82 year old.
Do you really think Mitt and Paul have thought this through?
Better yet, has anyone who thinks Romney/Ryan has got the answer thought it through?
Doesn't any of this concern any of you?
Last edited by Mrs.PatsFanInVa; 08-19-2012 at 09:49 AM..
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