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Morning Joe broke for a
commercial moments after I had turned on the television. The first ad was from You Know Who, one of the largest marketers of insurance in this
country. They don’t like to admit that
they sell insurance. They prefer to
advertise that they endorse certain products.
Yeah. Yeah. In this day and age
of 10 second and 20 second spots, this one full minute Medicare Supplement advertisement
felt like a documentary. As soon as that
commercial ended, a new ad, from a different company began. This one featured a former football star, 40+
years past his glory, pitching all of the free stuff that came with some
unnamed Medicare Advantage policy. The
30 second commercial for Tylenol was a welcomed relief.
I turned 65 today. That stack of junk mail pictured above is a
small fraction of the solicitations I’ve received in the last year. One company, You Know Who,
has been sending stuff to both my home and office. As an official old person, I find that the
television shows that I watch seem to be sponsored by medications, investment
companies, and Medicare products. The
newspaper, yes I still get the Plain Dealer delivered, has envelopes inserted
for Medicare products. I sometimes watch
football just to be a part of a different demographic.
I had a doctor’s
appointment this morning. My first on
Medicare. I presented my Medicare Card
and my Medicare Supplement Card. I won’t
mention the company since I don’t want this to be seen as a recommendation of a
particular insurer. My previous coverage
was a Grandmothered $5,500 deductible HSA qualified policy with Anthem Blue
Cross. My January premium was over
$800. My new Medicare premium for a Plan
G contract is around $125 per month and my deductible for Part B services is
$198! The doctor’s staff gladly accepted
my Medicare Card. I now have the best,
most comprehensive insurance I’ve had in almost 30 years. And I am covered in all fifty states.
There are people who
misuse the word Medicare and apply it to a very different type of coverage, to
a policy that covers 100% of everything.
That isn’t Medicare. That is a
fantasy. Medicare, with its deductibles
and copayments, was designed to pay approximately 75% to 80% of a beneficiary’s
medical bills. But just as some long to
make Medicare even more comprehensive, there are others trying to weaken
it. As noted in a recent post, the Association
of American Physicians and Surgeons is still fighting the existence
of Medicare fifty-five years after its creation. And Mitch McConnell
has targeted
both Social Security and Medicare for cuts after the next election. The impact this could have on those reliant
on these programs is beyond comprehension.
Some might caution that we should first wait to see the results before
we raise our concerns. But those are the
very same people who would have repealed the Patient
Protection and Affordable Care Act without any replacement.
My health insurance, the
way I will access and pay for care, changed last Saturday. I am now on Medicare. But my concern, and the concern of other
insurance agents around this country, is unchanged. We are here to make this system work. And as our system changes, to make that new
one work, too. About 1,000 of us will be
in Washington at the end of this month to meet with members of this
administration, the House, and the Senate.
Now is the time to let us know your thoughts and your concerns so that
we can share them with the people who write the rules. That, too, is part of our job.
DAVE
Picture – Junk Mail – David L Cunix
