Medicare Advantage vs. Medicare Traditional

What is the difference between the Medicare Advantage Plan, which is open enrollment right now, and the Medicare Traditional Plan, in terms of the current Health Care Bill?


The traditional plan is Medicare Part A and Part B, which has been the original plan. It has been around since 1965.


Medicare Part C, which is an HMO-type plan, much like group health. It is all under a managed care program. So they extended that to foster some competition. It went directly to the providers and stated that if they accept this advantage plan, they will receive a higher amount of reimbursement than with the traditional plan. This caused some practitioners to only accept the advantage plans.


However, under the new bill, starting 2011, the payments will be made the same. I believe this will be a change for the better. It will allow people to honestly judge which is the better system for them.
 

Medigap or Advantage Plan

Is there much of a difference between AARP Medigap and the new Advantage Plan?


Medigap through AARP is backing a traditional Medicare Part A and Part B. Both A and B have deductibles and co-payments, and what Medigap does is picks up the co-payments for you.
 

The Advantage Plan may have different requirements or enforcements based on your situation. I would not look at the costs in determining what policy to get, you should look at the benefits you receive from the policy.
 

Does your physician accept the plan that you have, and do you like your physician? If you do, then you may want to stick with Parts A and B with Medigap.  AARP Medigap and the new Advantage plan are two very different things.

 

Veterans Living at Home

How extensive of aid can you get from the Veterans Administration to help someone living in their own home?

 

The VA system talks about helping people by way of money. For a qualified veteran or the spouse of a qualified veteran, there are two ways to gain assistance.

If any of your income is being spent on aid or attendance for the qualified spouse or veteran, that person will be entitled to $1000-$2000 of extra monetary help per month. If someone has an income of $2500/mo, but are accessing home health, which is costing $2000/mo. The VA will say your income is $500/mo, and we will make certain that if you are the spouse of a veteran, your income is no less than $1000/mo, so we will add an extra $500 to your paycheck.

The other way is that for qualified veterans, the communities may limit the cost to access the services of the VA.  There may not be anything for home health, but for assisted living or nursing home, then their contribution is limited. Either the VA or the community will help.  Because the qualifications of the VA will impact the Medicaid, so you must look at them as a package. 

 

Threat Over Health Care Reform

 

Last Friday, someone left a threating message on my office phone because I deal with living wills, which help people make life-or-death decisions beforehand - in case they are ever put on life support. But somehow, confused people believe I am promoting the violence and confrontations at recent town hall meetings about health care reform.

The anonymous caller said, "People like me need to be stopped because I are enabling a person who is planning to cause violence in our country. And my organization will be protested this weekend and they are going to go after me."

I deal with living wills, estate planning, medicare and medicaid advice - not health care reform.

"And they are ignorant, some people are, saying I talk about the same thing that the administration is talking about - so I must be part of the whole gestapo regime, which is not the case.

"This is nonsense. My wife looks at it, and she's afraid for our safety now."

I am glad that no protest actually materialized at my seminar in Bellevue. Maybe because I-405 was closed due to construction work....

"What we need to be doing is coming together to help people age better and live better." "I have no skin in the game as to whether the administration does with the health care plan. It will be what it will be."

There is one element of Obama's plan that's like a living will - it lets you decide your own fate if you're incapacitated.

Opponents say the plan calls for "death panels" that would make that decision, but today the president denied again that there is such a thing in place. I will encourage people not to wait for the government to make that decision for us. Be responsible and act today, make your own decision and have a living will in place for yourself.

KOMO News was kind enough to interview me on the subject.

Health Care Bill (HR 3200) - Truth

 

THE TRUTH ABOUT MANDATORY CONSULTATIONS UNDER THE PROPOSED HEALTH CARE BILL.

In the name of the country, political opportunists on both sides are distorting the provisions contained in the health care Bill (HR 3200). Both sides bent on scaring consumers of their points of view into believing something that is not true. 

On the Left you have the debate which suppresses the critical issues of health care: who will administer the health care benefits under the so called public option? What impact will the public option have to the health insurance industry? 

On the Right you have pundits scaring people into believing that the proposed Health Care Bill contains provisions making euthanasia legal and health care rationing a reality. Poppy cock to both.

Personally, I am very happy with my health insurance – because I am able to afford it. To individuals like me a change is not necessarily warranted, at least not today. However, to those who have to declare bankruptcy or seek divorce as a measure to protect their assets from devastating health care costs, not to speak of the uninsured who cannot seek the services of the medical providers, the system is totally broken and needs to be changed. No matter which side of the debate you fall on one thing is clear that something has to be done - sooner or later. 

But having self serving political operators trying to scare the public to adopt a particular view point is as unpatriotic as any act an American can engage in – especially when they do it in the name of God and Country. Shame on all of them!

We American’s are touted to be amongst the most literate electorate in the world. Why then do such operatives exist? Because they can count on the fact that few of us will take the time to read the Bill ourselves. They know that majority of the electorate would much rather rely on those who seem to sympathize with our personal moral compass and general life attitudes to spoon feed us the news so we may be educated on the subject. Make no mistake, those who are telling the public that the Bill is calling for euthanasia or health care rationing to be part of our health care system are twisting the Bill. As are the proponents of the Bill who are parading it to be the ‘be all end all’ solution to fix our nation’s health care troubles. 

I do not agree with many provisions of the Bill and yes it can and should be improved. But I am incensed by those who are being less than honest about the content of the Bill. The honest debate is whether the system needs to be changed at all or not. It is an insult to intelligent Americans for those with the bully pulpit to pick small parts of the Bill, distort the meaning or content and present it as the Truth. That is not a conservative value or a liberal value any American can or should be proud of. 

Following my own advice I dish out freely, which is - do not wait for others to do the right thing, do it yourself, I took time to read the specific section of the Bill that is supposedly advocating euthanasia and health care rationing. 

But I do not wish to give you my take on it. Rather I would have you go read the proposal yourself and make up your own mind. And if you wish to share your thoughts after you have read the Section I would invite your comments back via email at radio@agingoptions.com or on the air next week. 

You can call my office to obtain a copy of the entire Bill or a copy of the specific Section which discussed the consultation issue. Or you can go to www.agingoptions.com yourself and link to the information. I hope that you will take time to read for yourself the issue before making up your mind. It is a five page section and will take about 20 minutes of your time to read. 

To read a copy of the proposed legislation go to: http://thomas.loc.gov/cgi-bin/query/z?c111:H.R.3200:

Click the link to read the text of  SEC. 1233. ADVANCE CARE PLANNING CONSULTATION.