
Susan asks…
With all of the bluster and BS coming out of Washington these days about health care and it’s costs?
How can anyone support reform without the required details?
First the costs were set at a $1trillion “down payment” (is that just 10% of the true costs, a normal sized down payment).
Then the CBO states the costs to be $1.6 Trillion and only cover 1/3 of the uninsured (what about the other 2/3′s ?).
They have now proposed raising the Medicare tax(every wage earner pays this), slapping a 10-cents-per-can increase on sweetened drinks(almost every American drinks sweetened drinks), raising the alcohol tax, imposing a new payroll tax on employers equal to 3 percent of their health care expenditures and taxing employer-provided health insurance benefits above certain levels(taxing employers for your benefits is a tax on you). Also under consideration was a value added tax, a sort of national sales tax, of up to 1.5 percent or more, with housing, education, financial services and medical care potentially exempt(everyone makes purchases from clothing and shoes to utilities and detergents).
But with all these numbers and tax increase proposals flying around, does anyone really know what kind of “medical coverage” this entails?
Is it the “blue chip” program the members of Congress enjoy?
Doubtful.
Or is it more like Medicare?
Does anyone realize that Medicare premiums for those who have less than 7.5 years of qualifying work and are over 65 would be nearly $600 a month?(for parts A,B,D coverage) For 50 million uninsured, that alone would be $30 Billion a month or $360 Billion a year in costs and doesn’t even touch on what would be paid out in services or the 20% of costs not covered.
So what do you think of when “health care coverage for all” is bandied about in Washington?
What are your expectations?
http://www.mymedicarematters.org/AboutMedicare/costs.asp
http://www.medicare.gov/Publications/Pubs/pdf/11082.pdf
http://news.yahoo.com/s/ap/us_health_overhaul

Medicare Insurance AZ staff answers:
I don’t want to seem heartless, but frankly, I think that people should be responsible for themselves…and that includes health care options. I do not believe that it is the responsibility of others to care for me or protect me from myself.
Libertarian leaning conservative.

Betty asks…
The insurance do not want to pay 80% of the bill and I pay 20%.?
I am under 65 and recieve medicare due to a disability under my husband social security. (husband is decease) Medicar part A I have but did not choose to enroll in part B, because I was enroll in health coverage with the pension fund that the premiun was $161.00. The coverage plan BC.BS Hosp/Phys and OMM with Drug . I hand surgery . The insurance is saying beause I did not have part B of medicare, I would have to pay 80% and that pay 20% of the bills. How can I go about geting the bills pad from the insurance.

Medicare Insurance AZ staff answers:
You can’t. Once on Medicare it becomes the primary and your other plan the secondary. You should get part B

Daniel asks…
A question about health care in USA for elderly….?
If a person age 67 who has only income coming in of $1100 net per month has to go to the doctor for a check up, or if they are feeling under the weather, etc.. would medicare part B require them to pay an annual deductible of close to $1000 first before they qualify to only have to pay a 20% coinsurance on the rest of their medical costs…such doctors visits, Xrays, lab test etc….??
and what happens if this elderly person is so strapped for cash that they can’t really afford to pay this deductible and co insurance?
what happens then?
how would the situation be different in a different country like Great Britain?

Medicare Insurance AZ staff answers:
In the US, while medical bills can grow quite quickly, the elderly would be seen and treated immediately for their problem, and then be billed for the rest. Medical collections are severely restricted, unlike any other category of collections. As long as you agree to pay something each month, and meet that obligation, the amount paid each month can be tiny and you are still compliant. So, ultimately, they would be treated, and have staggering bills they would have the option to pay over a long period of time as long as they complied with their agreement to do so.
In Great Britain, the bills would be small to none on the face, although they would have been paying National Insurance Contributions, so it is not quite as free as it seems. They would, however, have longer wait periods to see their doctor, and a shorter time on average with that doctor than their American counterparts. Ultimately, they would have smaller bills up front, but would make up a fair amount of the difference in “contribution” and would have to wait much longer for the service. Anyone who points out that the “government” pays for health care, as so many defenders of socialism will claim, conveniently forgets where the government gets its money.

Joseph asks…
How can I convince my husband to let me get insurance?
I have Bipolar. I just got disability in April so I have to wait until April 2011 before I get medicare. I will have to pay $110.00 just for part B and A. Then part D for prescriptions, I am figuring out because that will be my prescription drug coverage and apparently you have to pay $40.00 to $100.00 for that depending who I go with.
My husbands insurance will not cover me because of preexisting condition and I have to wait a year. He changed jobs after being unemployed for 2 years since he lost his job from GM. He did not get Cobra because we really could not afford it. In the meantime he got appendicitis and we had to file bankruptcy.
I found two great deals through Humana and United Health Care. I want covered if I have a medical emergency. Because we can not file bankruptcy again and we are actually getting our credit score back up! I have enough for my psychiatrist and medication which is important. He has me on a sliding scale (I have paid him enough over 10 years) which I am grateful. I can afford my prescriptions because of Walgreens plan for uninsured individuals. It is great!
I wish he would let me get insurance. He did give me the OK to get vision and dental. But I need medical insurance. Then I hear people talk and see commercials on TV that you need supplementary insurance for medicare because apparently medicare does not cover a lot but I would still feel at ease just have that alone.
How can I convince him to allow me to get medical insurance? I am at a lost. We can afford it with the quotes I got!
Thanks!

Medicare Insurance AZ staff answers:
There’s no decision or discussion here. His insurance will cover you for anything that is not preexisting, and any other coverage you get will have a similar exclusionary period for the preexisting condition. If you believe that Humana or UHC will cover your preexisting condition immediately, you either misunderstood or were lied to; probably the former.

Chris asks…
“Universal Health Care”–a humongous lie?
People are desperate to believe that a government-run health care system will be a good thing. No matter what you assume, or are led to believe,to be true, the facts prove that the government does not run the health care programs is has now. Both Medicare and Medicaid are actually run by the same private insurance carriers who routinely deny claims for both everyone.
Here is the official list of “Intermediaries”:
SECTION II
PART A INTERMEDIARIES AND PART B CARRIERS ………………………………………………………………. 15
BLUE CROSS AND BLUE SHIELD ASSOCIATION…………………………………………………………………………..15
BLUE CROSS AND BLUE SHIELD OF ALABAMA…………………………………………………………………………..15
ARKANSAS BLUE CROSS AND BLUE SHIELD……………………………………………………………………………….18
FIRST COAST SERVICE OPTIONS, INC. ………………………………………………………………………………………….20
BLUE CROSS AND BLUE SHIELD OF GEORGIA, INC. ……………………………………………………………………21
ANTHEM INSURANCE COMPANIES INC ……………………………………………………………………………………….22
ADMINASTAR FEDERAL INC…………………………………………………………………………………………………………23
BLUE CROSS AND BLUE SHIELD OF KANSAS, INC. ……………………………………………………………………..23
ANTHEM HEALTHPLANS OF MAINE INC………………………………………………………………………………………24
BLUE CROSS AND BLUE SHIELD OF MISSISSIPPI …………………………………………………………………………25
BLUE CROSS AND BLUE SHIELD OF NEBRASKA………………………………………………………………………….26
ANTHEM HEALTH PLANS OF NEW HAMPSHIRE, INC…………………………………………………………………..26
EMPIRE HEALTHCHOICE ASSURANCE, INC. ………………………………………………………………………………..27
HEALTHNOW NEW YORK INC.. …………………………………………………………………………………………………….28
NORIDIAN MUTUAL INSURANCE COMPANY……………………………………………………………………………….29
GROUP HEALTH SERVICE OF OKLAHOMA, INC. ………………………………………………………………………….30
HIGHMARK INC. ……………………………………………………………………………………………………………………………31
TRIPLE-S, INC. ……………………………………………………………………………………………………………………………….32
PALMETTO GBA, LLC……………………………………………………………………………………………………………………33
BLUE CROSS AND BLUE SHIELD OF TENNESSEE…………………………………………………………………………35
TRAILBLAZER HEALTH ENTERPRISES, LLC…………………………………………………………………………………35
UNITED GOVERNMENT SERVICES, LLC ……………………………………………………………………………………….37
INTERMEDIARY AND CARRIER DIRECTORY
http://www.cms.hhs.gov/ContractingGeneralInformation/Downloads/02_ICdirectory.pdf
The British system is, as one would expect, reflective of British thinking: there is a class system in Britain and this could not be more evident than in the way they finance health care. They do it through a payroll deduction scheme. This means, of course, that only the workers pay for the entire cost of the health care system while the wealthy, who usually do not earn wages, and whose investment income is not subject to payroll deduction, escape.

Medicare Insurance AZ staff answers:
The idea makes me a little nervous. I have a friend in Canada who recently discovered a breast lump – and the wait was FIVE MONTHS for her to even be seen for tests! That’s crazy.
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