Here are all the articles I've written about Medicare. Enjoy!

July 7th, 2017

Is Health Care A Right or a Privilege? (more brilliant comments from the amazing Michael Lujan)

Inspired by the great Michael Lujan and his post on LinkedIn.

At the center of the debate is this simple but loaded question. Every other developed nation has answered the question and enacted some form of universal health coverage (UHC). Proponents of the bill often make comparisons to the Canadian or the UK health systems. These comparisons are inaccurate, deliberately misleading, or possibly uninformed. The term “single-payer” refers to the financial arrangement; meaning one entity (the government) collects the funds (usually in the form of taxes) and this “single payer” also pays the providers. In a single-payer model, the providers can be private or government-owned. The government replaces the insurance company role and instead of paying premiums, Californians would pay for health care through higher taxes.

“When you look at all the different health care systems around the world… They are not all single-payer… and most are less socialized than America’s.” – T.R. Reid

Visit us next week when The Insurance Mom shares a comparison of four health care models around the world.…

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June 30th, 2017

What a difference a week makes! SB 562 Update

Thanks for tuning in for our series on single payer!  What a difference a week makes; big update on SB 562.

On Friday, 6/23/17, CA Assembly Speaker Anthony Rendon (D-Lakewood) shelved the proposal saying it is “woefully incomplete” and has postponed any further legislative action until January 2018.

“If you think health care is expensive now, wait until you use what it costs when it’s free.”  – P.J. O’Rourke

The Insurance Mom’s colleague, Michael Lujan (one of CA’s best-known expert insurance legislative analysts) offers this in his amazing post on LinkedIn:

Single Payer (SP) would:

  • Replace all forms of private and public health insurance in California with a state government-run health system.
  • Would eliminate an estimated half million insurance, health care administration and related jobs, tripling our current unemployment rate. And without payroll contributions going into the system, there will be no money to pay unemployment benefits.
  • Could make California a health care destination for anyone seeking “free healthcare” as neither citizenship, nor permanent residency is required to use the SP system.
  • Requires massive tax increases. The additional 15% payroll tax would make California the highest taxed state in the country.

If enacted, The Healthy California Act (SB 562) would be the largest tax increase in California’s history. The entire state general fund is $183 billion. As proposed, the bill would cost an estimated $400 billion for the initial year and unknown costs for subsequent years. While that may seem like a deal-killer, the bill moved forward to the State Assembly and should not be ignored (when it resurfaces in 2018).

While this bill may be dead in the water, single payer / universal healthcare / socialized medicine / Medicare-for-all have been floating around the brains of the public.  The Insurance Mom wants her kiddies well-informed about …

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June 23rd, 2017

What’s going on with healthcare today!?

Are YOU confused?  We all are!  There are some VERY big things being discussed right now regarding health insurance.   But we read all the articles and boil it down into an easily digestible stew.  Here’s the inside scoop from The Insurance Mom!

While a lot is happening in Washington, there’s even more urgent things happening here at home in CA.

SB 562 — The Healthy California Act — is working its way through Sacramento right now.   You probably won’t get to vote on it.

State Senators Ricardo Lara (D-Bell Gardens) and Sen. Toni Atkins ((D-San Diego) say they know what’s best for their constituents.   They say… “all Californians will have one plan, more choice.”  Huh?  What does that mean??

Welcome to Our Blog Series

The Insurance Mom wants her insurance family to be informed, insured, and inspired to engage in the future of health care.  That’s why I’ve written a blog series about Single Payer Health Care.  Tune in next week for some truly EYE-OPENING info on our insights of these concepts.…

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June 24th, 2015

Have YOU planned for the OMG??!

Do YOU have enough bucks tucked under the mattress for that OMG-unexpected-high-medical-expense?  And, they’re always unexpected!  How will you pay for stuff?   Most people don’t have enough saved up for that OMG! time… or even for sushi next week.    I have some great ideas… like an automatic savings plan, like life insurance, like disability insurance, like Long Term Care Insurance.

Call The Insurance Mom… we should tawk!…

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March 2nd, 2015

Final of the LTC Study Series

Does Medicare cover long-term care expenses?  The answer may surprise you!  Let’s take a look back at a recent post on LTC to round out our LTC education . . .

There was an easy-to-read article in the LA Times about Long-Term Care Insurance which spelled it out very nicely.

If you haven’t given much thought to how you’d pay for long term care expenses, you’re not alone.    Most of us haven’t.   But, the BIG question is:   Would you be able to pay for someone to take care of you 24/7?

In California, today the average annual cost for long term care in your own home  is about $82,000.  Wow, that hurts!   If you cover your ass(ets) and get long-term care insurance, you’ll significantly reduce your costs.

So . . . DOES Medicare cover LTC?  No!     Does your health insurance cover LTC?   No!

Not a happy prospect.   We are all about protecting your money over here, so it may be time for you to start thinking about it, too.  Remember… the younger you are when you plan ahead the more you save.  The Insurance Mom only wants what’s best for her favorite people!

Educate yourself on the eye-opening details by reading the article here and contact The Insurance Mom for a chat about your future.  Mind your P’s and Q’s and you’ll be taken care of . . . long-term.

 …

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August 18th, 2014

Are you OK with one person taking control of what happens to your medical bills?

I don’t think I’ve ever politicized a blog post.  This could be a first.   So you’ve gotta know how important it must be.

Proposition 45 will be on the ballot in November.  Prop 45 is a flawed, deceptive measure that will increase costs for consumers and (maybe) harm the quality of our health care.

A special interest group (of course!) is sponsoring Proposition 45, an initiative on the November 2014 ballot that gives ONE POLITICIAN (the Insurance Commissioner) new power over your health care – including your premiums, co-pays, deductibles and even the treatment options your health insurance covers.

This is bad.  This is very, very bad.

We all want to control health care costs – that’s why California has a new independent commission with the authority to negotiate rates with health plans and reject them if they’re too expensive. We should give this commission a chance to work, NOT give more power to a single politician who can take campaign contributions from special interests.

There are many reasons why Prop 45 is NOT a good idea.   And they all might cost YOU a lot of money.

1.            Prop 45 gives one politician just too much power.

2.            Prop 45 creates a more costly bureaucracy.

3.            Prop 45 is sponsored by special interest (lawyers, lawyers, lawyers!) who could make a LOT of money under this measure.

Be wary of what’s on your ballots, kiddies.  The Insurance Mom doesn’t want you and the whole state of California to get caught in a terrible mess caused by Prop 45.

Ask yourself this:   Do you trust one politician to dictate what will happen to your health and finances?

With one elected official in charge, you won’t have any input – nor will doctors or hospitals – on the best decisions for your …

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July 9th, 2014

Long-Term Care Clarity!

Does Medicare cover long-term care expenses?  The answer may surprise you!

 

There was a neat article this week in the LA Times about Long-Term Care Insurance which spelled it out very nicely.

 

If you haven’t given much thought to how you’d pay for long term care expenses, you’re not alone.    Most of us haven’t.   But, the BIG question is:   Would you be able to afford it?

 

In California, the average annual cost for long term care – today — is about $82,000 a year.  Wow, that hurts!   If you cover your ass(ets) and get long-term care insurance, you’ll significantly reduce your costs.

 

So . . . DOES Medicare cover LTC?  No!     Does your health insurance cover LTC?   No!

 

Not a happy prospect.   We are all about protecting your money over here, so it may be time for you to start thinking about it, too.  Remember: the younger you are when you plan ahead the more you save.  The ‘Mom’ only wants what’s best for her little kiddies!

 

Educate yourself on the details of the ins and outs with the article here and contact The Insurance Mom for a chat about your future.  Mind your P’s and Q’s and you’ll be taken care of . . . long-term.…

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June 19th, 2010

Doughnut holes, hold the coffee

If you or anyone you know is currently on Medicare and enrolled in a Part D drug plan, the new “Stealthcare” reform laws enacted this year are now starting to offer you a small safety net… really small.   If you reach the dreaded “doughnut hole” — that place where you have to pay full price for your prescriptions until the catastrophic coverage kicks back in — the feds are mailing out their first round of $250 checks to help offset your costs.  As Medicare people reach the doughnut hole throughout 2010, they will be mailed this $250 rebate check from the Centers for Medicare and Medicaid Services (CMS).   CMS will automatically send you a check. No forms are needed in order to receive the rebate.

With the passage of the Patient Protection and Affordable Care Act of 2010 (aka “Stealthcare” reform), this doughnut hole will be phased out beginning in 2011 when people stuck in the doughnut hole will receive a 50% discount on brand name drugs and a 7% discount on generic drugs (this discount in the doughnut hole will rise over the years until a 75% threshold is met with a complete phaseout by 2020).   In the meantime, people on Medicare who fall into this doughnut hole will be given a whopping $250 rebate check in order to help costs.

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