AARP’s New Video Explains the Perils of the Health Care Bill in Storybook Fashion. Watch Here

Reply
Highlighted
Info Seeker
Posts: 4
Registered: ‎03-21-2017
Respected Social Butterfly
Posts: 2,460
Registered: ‎04-07-2015

Re: Why Medicare Matters

Message 2 of 8 (854 Views)

byrondennis wrote: 

The AARP article has a half dozen easily disproved errors of fact that AARP should correct before further misleading its readers.  In the fourth paragraph, AARP says:

 

@byrondennis

 

See there? THAT's why this 57 year old has determined to come fully up to speed on Medicare in 2017. Thanks for keeping the information flowing.

The key to success is to keep growing in all areas of life - mental, emotional, spiritual, as well as physical. - Julius Erving
Recognized Social Butterfly
Posts: 884
Registered: ‎01-02-2012

Re: Why Medicare Matters

[ Edited ]
Message 3 of 8 (870 Views)

AARPTeri wrote:

AARP has launched a Medical Special Report http://www.aarp.org/politics-society/advocacy/info-2016/why-medicare-matters-special-report.html

 

 


The AARP article has a half dozen easily disproved errors of fact that AARP should correct before further misleading its readers.  In the fourth paragraph, AARP says:

 

1. "Yet within days of Trump’s historic election, the guaranteed health coverage provided by Medicare was cast in doubt..."

 

The guarantee of Medicare has never been "cast in doubt" by anyone other than -- now -- AARP. The need to reform Medicare has been under discussion on a wide bipartisan basis for over 20 years. Many of the ideas from those discussions -- including the idea of premium support which is currently the thirteenth priority out of 13 current GOP proposals for Medicare reform -- have already been partially or fully implemented. About a third of we seniors and disabled people on Medicare already receive the benefits of fully guaranteed premium support in Medicare.

 

2. "House Speaker Paul Ryan (R-Wis.) revived his plan..."

 

House Speaker Ryan's plan was not "revived" "within days of Trump's historic election." Stringing words together by AARP in such a deceitful way to mislead people would be considered hate speech if applied to another subject.

One page from 35 page Healthcare section of A Better WayOne page from 35 page Healthcare section of A Better Way

Speaker Ryan has had a plan to reform Medicare since 2009. There have been a half dozen iterations, two of which were co-authored with Democrats Rivlin (2010) and Wyden (2011). All the plans are pretty much alike and the most recent (which is technically Representative Price's plan, not Ryan's) was posted on the house.gov web site in June 2016 (see illustration above). It was not "revived" "within days of Trump's historic election." It was clearly available and regularly referenced by Ryan for six months before Trump's election. AARP is simply being totally deceitful.

 

3. "...to replace it with a fixed-dollar subsidy..."

 

The plan does not involve a "fixed dollar subsidy." As shown in the illustration above, the so-called subsidy (a purposeful pejorative by AARP and many others against the 17,000,000 of we seniors and disabled people who use the public Part C Medicare health plan program today, based on premium support) is adjusted at least by health and income and further adjusted to remove co-pays and deductibles. If the plan is completely consistent with earlier iterations (a generic version of which is described in this 2013 CBO report -- the most recent by CBO and the cover of which is illustrated below), the fixed dollar amount of premium support would also be adjusted by age, geography, and other factors.

Cover of September 2013 CBO report on generic possible Medicare premium support plans similar to the Ryan planCover of September 2013 CBO report on generic possible Medicare premium support plans similar to the Ryan plan

 

4. "...that beneficiaries would use to buy private health insurance.

 

There is no plan to ask seniors or the disabled to buy "private health insurance." They would choose public Medicare health plans just the way Part C (and Part D) beneficiaries do today. As you can see in the top chart above, the example the GOP uses is that the program would work in the same way as the Federal Employee Health Plan, chose as an example I suppose because it is the same plan Ryan uses. Typically propagandists who word a phrase like the one in point 4 above add "in the open market from unscrupulous insurance agents with a voucher." At least AARP did not go completely down in the gutter.

 

In the tenth paragraph AARP claims:

 

5. "Since its creation in 1965, Medicare has been a “defined benefit” program, guaranteeing a certain level of health coverage."

 

It is true that the part of Medicare that does not yet use premium support is a defined benefit program. Of course what AARP does not explain is that those defined benefits are very poor compared to any insurance someone in this decade -- as opposed to 50 years ago in 1965 at "its creation" -- would want. That is why 98% of the people on Medicare who do not yet use premium support have to get one, two, three or more additional mostly private insurance policies in order to actually be... insured. (These severely limited benefits are also the reason Medicare reform has been discussed on a bipartisan basis for more than 20 years.)

 

6. "It now pays about 80 percent of costs associated with doctor and hospital visits. Beneficiaries are responsible for paying monthly premiums, copayments and annual deductibles."

 

From recent MedPAC Annual Report to CongressFrom recent MedPAC Annual Report to CongressThis sentence, also in the 10th paragraph, is also misleading. The 80% figure quoted applies only to medical services covered by Original 1965 Medicare. Medicare does not cover all needed medical services nor does it cover self-administered prescription drugs. When you add the monthly premiums, copayments and annual deductibles mentioned -- along with the all of the items not covered at all, which have to be bought out of pocket -- on average Original Medicare covers only about 50% of a senior or disabled person's healthcare costs (see recent MedPAC chart, illustrated above). Because the defined benefits that AARP is so proud of are lifetime and per-incident limited and there is no annual out of pocket spend limit, that can mean 80% coverage for some people but only 20% coverage for another person. As measured against the Patient Protection and Affordable Care Act (PPACA) Bronze-Platinum scale of actuarial values for health insurance, today's Original Medicare is a Tin Plan.

 

The AARP article goes on with some equally misleading information about Part D and the so-called benefits to Medicare beneficiaries in PPACA. But that misleading information as been discussed on other topics on this web site.

Respected Social Butterfly
Posts: 2,460
Registered: ‎04-07-2015

Re: Why Medicare Matters

Message 4 of 8 (887 Views)

ReTiReD51 wrote:


With all the disingenuous information about Social security and Medicare circulating on the internet, it’s helpful to know there is someone you can count on to give you the intelligent and truthful unbiased facts about both these programs and allow you to draw your own conclusion. I trust AARP to do just that.

 

Everyone should learn the facts so as not to spread erroneous information about both these successful programs.

 

http://www.aarp.org/politics-society/advocacy/info-2016/why-medicare-matters-special-report.html?int...


Agreed! It has been a challenge to find unbiased reporting/commentary. This is one of the very reasons I showed up here years back: to find the truth about retirement issues.  We are years away from eligbility, however I'm trying to get edumacated ahead of time to avoid being overwhelmed at the point of decision. 

The key to success is to keep growing in all areas of life - mental, emotional, spiritual, as well as physical. - Julius Erving
Respected Social Butterfly
Posts: 2,460
Registered: ‎04-07-2015

Re: Why Medicare Matters

[ Edited ]
Message 5 of 8 (889 Views)

ReTiReD51 wrote:


With all the disingenuous information about Social security and Medicare circulating on the internet, it’s helpful to know there is someone you can count on to give you the intelligent and truthful unbiased facts about both these programs and allow you to draw your own conclusion. I trust AARP to do just that.

 

Everyone should learn the facts so as not to spread erroneous information about both these successful programs.

 

http://www.aarp.org/politics-society/advocacy/info-2016/why-medicare-matters-special-report.html?int...


Agreed! It has been a challenge to find unbiased reporting/commentary. This is one of the very reasons I showed up here years back: to find the truth about retirement issues.  We are years away from eligbility, however I'm trying to get edumacated ahead of time to avoid being overwhelmed at the point of decision. 

 

 

The key to success is to keep growing in all areas of life - mental, emotional, spiritual, as well as physical. - Julius Erving
Recognized Social Butterfly
Posts: 774
Registered: ‎09-03-2011

Re: Why Medicare Matters

Message 6 of 8 (901 Views)

AARPTeri wrote:

AARP has launched a Medical Special Report http://www.aarp.org/politics-society/advocacy/info-2016/why-medicare-matters-special-report.html

 

 


With all the disingenuous information about Social security and Medicare circulating on the internet, it’s helpful to know there is someone you can count on to give you the intelligent and truthful unbiased facts about both these programs and allow you to draw your own conclusion. I trust AARP to do just that.

 

Everyone should learn the facts so as not to spread erroneous information about both these successful programs.

 

http://www.aarp.org/politics-society/advocacy/info-2016/why-medicare-matters-special-report.html?int...

Respected Social Butterfly
Posts: 2,460
Registered: ‎04-07-2015

Re: Why Medicare Matters

Message 7 of 8 (941 Views)

AARPTeri wrote:

AARP has launched a Medical Special Report http://www.aarp.org/politics-society/advocacy/info-2016/why-medicare-matters-special-report.html

 

 


Thanks for posting this: I saw it yesterday on the main page and meant to read it but was otherwise involved all day, so ... yay!

The key to success is to keep growing in all areas of life - mental, emotional, spiritual, as well as physical. - Julius Erving
Community Manager
Posts: 1,390
Registered: ‎10-09-2007

Why Medicare Matters

Message 8 of 8 (954 Views)