Slouching Toward Medicare

For me the odometer rolls over in December. I’ll turn 65 then. I’ve been fortunate all my life where health care is concerned. As a kid, in my parents’ home, I was unconscious of how the medical bills got paid. Those were simpler times, before the corporations ran rough-shod over public and private life, before our national leaders had devolved to a gang of thugs in the pay of corporate masters, before a privileged upper middle-class dominated policy development at the behest of these same corporations. When I was a child the perpetual proletariat of today, informed by propagandists aping the exercise of free speech, had not yet come to dominate political discussion, to drown out informed debate. When I was a child the vicious forces of rapacious greed were hidden in an emerging consumer society, their presence only hinted at by the chimera of a communist menace invoked by heroes and fools alike. From Winston Churchill to Joseph McCarthy there was a unity of opinion regarding our freedom, our way of life, and the challenges and dangers that a nebulous “other,” the red menace, posed to peace and prosperity.

When I was a student, the University provided health care (for which I was grateful once when I needed spackling and repair following a motorcycle accident).

Those first twenty years or so of my life were, I guess, the good old days.

When I found work in Northern California, I became a member of the Kaiser Permanente HMO, where I remained for twenty years. Mostly, I never saw the money that Kaiser cost me as anything more than a modest deduction noted on a pay stub. Health care was easy, inexpensive, and more than adequate. My twin sons were born prematurely at Kaiser Hospital in San Francisco. The week or more they spent in the premie intensive care nursery cost no more than if their mom had delivered normally and gone home with them the next day. I was certainly grateful for that.

Those next twenty or twenty-five years of my life were, I guess, the good old days too.

For the last twenty years Beth and I have had great health insurance coverage. We had the luxury of choosing which of our employer paid plans would benefit us more. Then, when I started my own business, I had coverage under Beth’s plan, nicely avoiding the health care overhead that so many sole proprietors face.

These may still be the good old days.

But Medicare has appeared on my personal horizon just as the country is engaged in the great Health Care Reform debate and it is held up as a model of health cost coverage. Medicare may be the lowest common denominator for Health Care Reform legislation. It may be the model for our new system.

This may not be a good thing and here’s why.

First, about $1,200 will be withheld from my retirement checks in 2010 to pay for Medicare Part B coverage. Second, if I’m hospitalized, I have to pay a $1068 deductible before Medicare kicks in. Third, the Part B coverage that’s costing me $1200 only covers 80% of medical expenses.

But there’s a solution waiting in the wings! First, I’m still covered by Beth’s group policy until she retires. Then, when she’s retired too, we can choose to pay $1200 or so a year (each) for continued coverage on her group plan, coverage which will fill in the awkward gaps left by the Medicare Part A and Part B deductibles and 80% payment limitations and so forth.

Medicare Part A and B provide enough coverage to help you avoid bankruptcy if you are hospitalized with a serious condition. Sure, you’ll be forced to live a penurious existence after that. Your home will be sold to pay the deductibles, you’ll move into a public housing project and be forced to eat government cheese, but the fixed income from your pittance of a retirement annuity won’t be attached by the hospital to help pay for your cardiologist’s fifty foot sailboat.

Mindful of this, congress added a few more bureaucratic hoops: Medicare Part C, and Medicare Part D. Part C covers the deductible gap and Part D helps you manage the outrageous prescription prices the pharmaceutical industry has foisted off on us. The extension of Beth’s group coverage, while not precisely a “Medicare part C” product functions nicely to fill in the gaps that other private insurers cover with Part C and Part D plans. These plans have different names, like “Medicare Advantage” and “Medicare Select,” but, hey! Branding is part of competition and competition is what keeps this great wheel of commerce turning, right?

The State of Wisconsin Commissioner of Insurance says,

Finding the right coverage at an affordable price may be difficult as no one policy is right for everyone. Coverage options include:

  • Group Insurance, including Employer group plans and Association group plans
  • Individual Medicare supplement policies
  • Individual Medicare cost-sharing policies
  • Individual managed care Medicare supplement policies, including: Medicare select policies and Medicare cost policies
  • Medicare Advantage (formerly called Medicare+Choice plans)

A person could get downright confused. Fortunately, I have until December to get it all sorted out. Unfortunately, it seems likely-after we are both retired-that in order to get complete health care coverage, we’re going to have to spend four or five hundred dollars a month (including $200 that goes straight back to the government). Oh, well. I’m one of the fortunate ones. I’ll have coverage and I can just about afford it. But I wonder if the insurance industry and the government will get together on a “public option” for the forty or fifty million uninsured Americans, a “public option” that includes squeezing them for $5,000 a year that they just don’t have.

This entry was posted in Class Warfare, Government, Medical Advice, Public Services. Bookmark the permalink. Both comments and trackbacks are currently closed.

10 Comments

  1. Cowtown Pattie
    Posted August 20, 2009 at 2:08 | Permalink

    Hmmm, euthanasia sounds better and better for my old age. $500 bucks a month is a freakin’ LOT!

    Crap - looks like we’ll never be able to quit our day jobs until they load us on a black blanketed gurney to the glue factory.

  2. Posted August 20, 2009 at 2:37 | Permalink

    “Euthanasia?” Now I get it! I thought it was some mean-spirited “Youth in Asia” that wanted to pull the plug on granny.

  3. Darlene Costner
    Posted August 20, 2009 at 7:02 | Permalink

    the Single payer system looks better and better.

  4. Doug Alder
    Posted August 21, 2009 at 3:38 | Permalink

    The more I read and hear about health care in the US the more grateful I am for what we have here in Canada Frank - btw I’ll be 60 in 3 weeks so there ain’t much of a gap between us :)

    • Posted August 21, 2009 at 11:17 | Permalink

      Hope you have a happy birthday Doug! I’m more than a little jealous of people who live in places that have not abandoned good government for some delusion that free enterprise can fairly deliver public services, be they the fire department, the fresh water supply, or health care.

  5. Telling Girl
    Posted August 21, 2009 at 4:05 | Permalink

    Didn’t you mean “Schlepping” toward Medicare?

    I agree with Darlene and Dennis Kucinich.. Single Payer System..

  6. Cynthia Friedlob, The Thoughtful Consumer
    Posted August 21, 2009 at 10:03 | Permalink

    Well done post. Reform is absolutely necessary, but perilous. For example, the addition of Part D to Medicare is a boon, but there must have been some pretty powerful lobbying going on to allow that “doughnut hole” provision to slip through. We must be vigilent to prevent the lobbyists and fearmongers from blocking meaningful reform of the entire system.

  7. Posted August 21, 2009 at 11:12 | Permalink

    “Single payer…” we seem to be stuck on some yet to be defined “public option” that I’m guessing will be a long way from single payer. Cynthia, thanks for stopping by and pointing out the doughnut hole. I hope that whatever we end up with is simpler than the hodge-podge Medicare A, B, C, D, and sometimes Y.

  8. Don Harvey
    Posted September 8, 2009 at 9:36 | Permalink

    Hi Frank. I had forgotten your parents held you back in kindygarden which is why you are now still so much older than me. And this is also most likely why you’ve studied up so much on medicare while I’m still not paying much attention to how it works (except of course for the reimbursement angle so I can buy my yacht). For future reference you should know that no self respecting cardiologist would be caught dead in a sailboat less than sixty feet. Otherwise, good post.

    • Posted September 13, 2009 at 9:44 | Permalink

      It’s nice to know that a successful doc like you can be thinking about fuel requirements for your boat’s twin 855 cubic inch Cummins diesels, while we the people are wrapping our feet in newspapers and huddling in our threadbare coats by the light and heat (and yes, liquid refreshment) of the sterno stove this winter. But when you’re sitting back in your rose pink Cadillac, you might want to consider what happened to your colleague, the good Doctor Zhivago.

      Regarding our age difference, I simply hope that you never catch up!