Maybe you've heard the distant rumblings about changes proposed by the Ryan Medicare, but are not quite sure what it is all about. The main controversy over the plan has to do with the way in which health care providers receive payment.
"Premium support" is the pay money for Medicare beneficiaries so they can buy their own health insurance from a private company health insurance. This would replace the current Medicare system in which the government pays health care providers directly for medical services received by Medicare beneficiaries.
The premium support model would not be launched until 2023. This means that anyone over 55 would see any change in disease they now receive or expect to receive. After this period, seniors would receive vouchers for health insurance. They could use the vouchers to purchase private health insurance or insurance run by the government on an exchange. The idea is that private insurance companies begin to compete with Medicare to provide the best possible plan for the amount of "premium support" a person received.
The elderly would be required to pay out of pocket for health care costs of their good could not cover. This is to discourage older people from "over-using" health care services they really need. In addition, if health care providers know that older people have only a limited amount to spend, it follows that they would need to become more efficient as regards the treatment of patients, right? Yes, there's the rub! Critics of the draft plan believe it relies too heavily on suppliers become more efficient and that seniors will simply pay extra for the care they already receive.
Medicare reform is not the easiest topic to wrap around your head. This article CBS News did an excellent job of presenting the facts and expressing concerns on both sides of the aisle. We found it very useful to us.
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