BenefitsAll

Medicaid For All

Obamacare Supporters May Accomplish More By Focusing On Multiple Policy Issues To Reduce Health Care Costs


You chose the wrong job. You're the wrong gender. Your lifestyle choices suck. You should pay for your risks. You're a celebrity and should stay out of the health care debate; also that's not how preexisting condition provisions work. The anti-universal health care set has a rational, in their eyes, retort for every appeal for government-paid health care for all.

Mocking the emotions of Medicare For All supporters is so easy it's been pushed down to the level of millennial reporters. And the formula for attacking their opponents is always the same—a charge of too much emotion and not enough facts. The fact that they know little about how health insurance and risk management works, the history of health insurance plan design and access, and the conflict associated with insurers determining risk while seeking profit is unimportant to them.

There's a wall between supporters of government-sponsored health care and those that oppose it that won't come down with appeals to decency and empathy. Still, a change in public policy is the only solution to addressing health care access and affordability. And while it may appear that policy just tilted for anti-government assisted health care reform with the Republican-majority Congress's vote to make health care less affordable for millions, that may not be a bad thing for two reasons.

One, overall the Affordable Care Act (aka Obamacare) is popular among the majority of Americans despite a vicious sounding minority that demonizes people who need assistance paying for health insurance and health care. If Obamacare "supporters" see the nation returning to pre-Obamacare days when coverage could be denied outright or so expensive as to represent a denial, they may demand to return to the protections offered by Obamacare or even greater protections.

Two, Obamacare supporters should take this as a sign to expand their support for health care reform by supporting policies that may potentially reduce health care costs. Policies that focus on alleviating hunger, especially among children and the elderly, should be at the top of the list. Also, addressing homelessness and mental illness is essential to reducing health care costs. These are issues policy advocates, and elected Democrats should include in any federal budget and hold firm on their passage. Of course, there will be opposition, possibly as strong as is currently for Obamacare, but with proper messaging, voters may come start to realize who want to address their needs and concerns.

Not everyone engages with the health care sector every day or even every year, but hunger, homelessness, mental illness and drug addiction are issues most people encounter regularly. Obamacare proponents have nothing to lose by dissecting and addressing the individual drivers of health care costs; it may even be easier than focusing solely on health insurance, which is too complex for most people to understand. Continue Reading...

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Medicaid For All May Be Practical, But Is It Acceptable?



Some free-market health care proponents think that universal health care supporters want free, unlimited health care no matter what the price. They are wrong. After reading about $600 EpiPens, $1,000 Hepatitis-C pills and $1 million cancer treatment bills, most people are willing to settle for less.

There are, however, some people that want unlimited health care, including former Democratic candidate for president, Bernie Sanders. Sanders advocates for comprehensive universal health care.
According to his website, his (Medicare For All) "plan will cover the entire continuum of health care, from inpatient to outpatient care; preventive to emergency care; primary care to specialty care, including long-term and palliative care; vision, hearing and oral health care; mental health and substance abuse services; as well as prescription medications, medical equipment, supplies, diagnostics and treatments. Patients will be able to choose a health care provider without worrying about whether that provider is in-network and will be able to get the care they need without having to read any fine print or trying to figure out how they can afford the out-of-pocket costs."

But things have changed since Sanders first shared his vision of comprehensive universal health care. One, he lost in the presidential primaries and his platform for comprehensive universal health care disappeared. Two, large, private insurer, Aetna, made a showy announcement of leaving the public exchanges causing some to question the future of health care reform. Three, reality started to sink in as the threat of large premium increases became fact. Cries of Medicare For All have changed to Medicaid For All.

Medicaid For All has all the advantages of Medicare For All. It is an established program often administered by private insurance companies and has lower reimbursement rates than exchange or private insurance plans. And, some think we have already moved in the direction of Medicaid like health plans on the public exchanges.
Margot Sanger-Katz of the New York Times recently characterized public exchange plans as Medicaid plans but with a high deductible. She may be right. The exchanges are chock full of HMO and narrow network plans. These plans are popular with exchange plan purchasers because they are often the only affordable option. But that doesn’t mean people like or want them (especially those of us paying full cost for these plans).

So, if Medicaid For All is the route to comprehensive universal health care, the price for all individual health plans will need to come down for everyone. And for comprehensive universal health care to happen employer health insurance needs to go away.
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