Medicare Advantage (MA) is the third largest and perhaps the most successful federal health insurance program. We believe that the Medicare Advantage is the best platform upon which to build “Medicare For All” that works for everybody.

The Medicare Advantage Program has broad bipartisan approval because it is so popular with the broad spectrum of the senior voting block effectively delivers economic benefits to the taxpayers and is a program that works for everybody. 293 members and 60 Senators currently serving in of the 116th Congress have supported Medicare Advantage.

MA is also known as Medicare Part C. MA plans are offered by private insurance companies contracted with Medicare and provide the same level of coverage that Medicare Part A and Part B provide.

Below, we wanted to share with you some pros of MA plans:

• MA plans usually provide more benefits than original Medicare such as routine vision care, hearing aids, routine dental care, prescription drug coverage, and fitness center membership.
• MA plans can cost less. Premiums can be as low a $0. Cost sharing may also be less with MA. MA plans limit your maximum out-of-pocket expense.
• MA plans coordinate care among all your healthcare providers.
• Many MA plans have medication therapy management.
• Many MA plans combine medical and Part D prescription drug coverage.

The Medicare-Advantage-For-All.Com movement is seeking to open the eyes of the American people to this better solution over Medicare for All. We want Democrats and Republicans to understand our position and come together in the solution. We want to extend a “Medicare” program to everyone just as much as our sensible and sincere politicians want to do, but we sincerely believe we have found the best way to do it.

Medicare Advantage (Medicare Part C) is the most popular health insurance program in America. It covers over 22.6 Million Americans, adding thousands of new baby boomer to its ranks every day. The program gives seniors peace of mind, immediate access to medical care, financial security and affordability. Americans of every age need to wake up and demand this program for everybody.

For more information on the Medicare-Advantage-For-All plan and the movement, visit our Medicare Advantage For All plan page, call us at 1-888-683-3719 or email us at: contact@medicare-advantage-for-all.com.

To support and join this movement, you can download our Membership Application and complete it with your contact information and send it to us with your financial support or just complete the Pay Pal Credit card authorization on the Become A Supporter page on our web site.

The post Pros of Medicare Advantage Plans appeared first on Medicare News Advocate.

The failure of Obamacare has brought forth the Democrats’ “Medicare 4 All” concepts, requiring even more government intervention. The progressive Democrats are pushing several forms of Medicare For All, but none of them address the problems of affordability and quality that we have in the system.

We wanted to share with you some more facts about the democrats’ plan for Medicare For All.

1. What does Medicare for All mean?
   1. Generally, it means an end to the dominance of private health insurance in the United States, in favor of either a government-run “single-payer” system, such as Canada’s, or a government-provided alternative to private insurance plans that Americans could buy into, an idea known as the “public option.”
2. Would Medicare for All change everybody’s health care?
   1. It could, but it depends on the plan. The most expansive visions of Medicare for All, like those of Senator Bernie Sanders and Pramila Jayapal of Washington, , would establish universal benefits through a government-run program and outlaw most forms of private insurance, including employer-provided coverage This could mean little, if any, out-of-pocket cost to patients, but also less choice for people who want to purchase specific types of benefits and for employers who use them to attract workers.
3. How much would Medicare for all Cost?
   32. A study from the libertarian Mercatus Center said Sanders’ 2017 single-payer bill would raise federal spending by $32.6 trillion over 10 years.
4. Would Medicare for All cut health-care costs?
   1. Medicare for All may allow the government to limit costs by setting prices and eliminate the administrative burden of private health insurance.

To some degree, this may sound good, but we need to make Medicare more affordable. In order to make our Medicare program available to ALL Americans, we must make it more affordable so that every American can take advantage of it without sending our country into bankruptcy.

Medicare Advantage plans (MA) are comprehensive health insurance programs that replace traditional Medicare. We need a Senate Bill directing HHS, along with doctors, hospitals, health plan experts and Medicare Advantage health plans to recommend to Congress a Medicare plan For All that provides these very same benefits for all Americans.

We believe that the Medicare Advantage is the best platform upon which to build “Medicare For All” that works for everybody. The Medicare Advantage Program has broad bipartisan approval because it is so popular with the broad spectrum of the senior voting block, effectively delivers economic benefits to the taxpayers and is a program that works for everybody.

For more information on the Medicare-Advantage-For-All plan and the movement, visit our Medicare Advantage For All plan page, call us at 1-888-683-3719 or email us at: contact@medicare-advantage-for-all.com.

To support and join this movement, you can download our Membership Application and complete it with your contact information and send it to us with your financial support or just complete the Pay Pal Credit card authorization on the Become A Supporter page on our web site.

The post FAQ About Medicare For All appeared first on Medicare News Advocate.

At Medicare-Advantage-For-All.Com, we know that modifying the Affordable Care Act (ACA) will not go far enough, and the current ideas for extending “Medicare for All” will go too far! We believe our Medicare-Advantage-Plan-For-All (MAA) will be just right.

Medicare Advantage for All will deliver comprehensive cost-effective health insurance for all Americans. Our current Medicare Advantage program works for seniors and it works for taxpayers! It should be the platform upon which the Democrats and the Republicans can build a “Medicare for All” program together. In order to fix these problems, we need legislation that can garner at least 218 votes in the House of Representatives and 60 votes in the Senate.  Right now, we have 293 members of the House of Representatives and 60 Senators that have supported Medicare Advantage. Medicare Advantage is the answer! And, it doesn’t matter whether the House majority changes leadership. The needs of the American people for real health insurance reform should not divide us, they should bring us together.

We believe the United States must commit itself to achieve the lowest National Health Care GDP of all the developed nations by 2030. We will fail to do that if we try to extend the old Medicare Defined Benefit Plan to every American.

With Medicare Advantage plans, you get:

• All benefits of original Medicare Part A & B.
• Hospital, medical and prescription drug coverage in one plan.
• Coverage for things that original Medicare doesn’t cover like dental, vision, hearing care, prescription drug coverage, and gym memberships.
• Limits on out-of-pocket spending.

If we are successful in getting Medicare Advantage plans extended to all Americans:

• It would not require market stabilization funds and the 3R Risk abatement programs and the CSR payments.
• It would eliminate the need for special federal and state funding to support the marketplace exchanges.
• It would continue to use capitation financing.
• It would not require insurance carriers to raise their rates in order to expand services under the inflationary 80 – 85 % federal loss ratio requirements.
• It will cost a lot less than the Affordable Care Act (ACA). In 2015, if we had purchased high-quality health insurance for all the ACA participants and paid all the premiums in full, we would have saved the American Tax payers well over $60 Billion.
• It would eliminate the need for selective taxes by establishing an equitable funding base that doesn’t single out Wall Street or the health insurance companies that we are relying on to administer the program in a cost-effective manner for the benefit of the American people.

We hope you become a supporter of Medicare Advantage for All.

We want you to become a supporter. Here’s how: You can download our Membership Application and complete it with your contact information and send it to us with your financial support or you can complete the Pay Pal Credit card authorization. Tell us whether you would like to be listed as a supporter on this website or remain confidential, and if we can count on you to be an Advocate.

We welcome any level of taxable (non-tax deductible) financial support with which you feel comfortable.

For more information on our membership and Medicare-Advantage-For-All movement, visit our Medicare Advantage For All plan page, call us at 1-888-683-3719 or contact our Medicare-Advantage-For-All Consultants or email: contact@medicare-advantage-for-all.com.

The post Benefits of Medicare Advantage for All Over Medicare For All appeared first on Medicare News Advocate.

Medicare Advantage for All will deliver comprehensive cost–effective health insurance for all Americans. Our current Medicare Advantage program works for seniors and it works for taxpayers! It should be the platform upon which the Democrats build their “Medicare for All” program. 

We are a grassroots research and educational movement. We are on a mission to promote the highest quality, truly American health plan for the lowest possible cost.  

On the Medicare-Advantage-For-All. com website, we further our goal by re-publishing notices, emails, letters, and alerts that we send to congressional staff, which include members of Congress, key congressional staff members, the White House, including policymakers in the executive branch, academics, and D.C. think-tanks, policy wonks, the media, and our loyal members. 

Below, we have shared some of our recent communications with members of Congress and other vital NEWS and information:   

10/23/2019 – VERMA DUCKS ON ADMIN. CONTINGENCIES if the ACA is struck down. 

By Adam Cancryn – Politico 

CMS Administrator Seema Verma repeatedly refused to tell a House oversight panel how the Trump administration plans to stabilize the nation’s health care system if a federal court strikes down the Affordable Care Act. 

“The president has made clear that we will have a plan in action to make sure that Americans have access to affordable coverage,” Verma told a House Energy and Commerce oversight and investigations subcommittee today. “I’m not going to get into any specifics of the plan.“ 

House Democrats repeatedly pressed Verma over the contingency planning, criticizing her for failing to lay out any fallback options even as the administration backs the legal effort by a group of GOP-led states to immediately wipe out Obamacare. A federal appeals court is expected to rule on the case in the coming weeks. 

“Do you have a plan that you can present to us, or is this another pie in the sky promise?” said Rep. Jan  (D-Ill.)Schakowsky 

Verma later insisted that the administration has planned for “a variety of different scenarios” and only needs to wait for the court to rule — but refused to offer any evidence or details. 

President Donald Trump had originally vowed to roll out his own health care plan by September, but officials have not provided any updated timing, and there’s little expectation any proposal from the White House will extend beyond offering general principles. 

10/22/2019 – HOUSE RSC PERSONALIZED AFFORDABLE CARE PLAN RELEASE 

House conservatives have rolled out their Personalized Affordable Care Plan as an alternative to “Medicare for All” ahead of the 2020 elections. The White House has not officially endorsed the Plan, which envisions rolling back Obamacare’s popular Medicaid expansion and much of the regulations governing the individual market and offering federal block grants to states to help establish their own health insurance markets. The proposal is designed to blunt criticism for failing to protect people with preexisting conditions, arguing that high-risk coverage pools — along with fewer benefit requirements for health plans and an equalization of the tax treatment for employer-sponsored and individual plans — will effectively provide all Americans with an array of low-cost options. 

https://www.medicare-advantage-for-all.com/wp-content/uploads/sites/8670/2019/10/HOUSE-RSC-PERSONALIZED-AFFORDABLE-CARE-PLAN.pdf 

10/15/2019 – EMAIL TO RSC COMMITTEE MEMBERS 

Email to RSC member – October 15, 2019 

Recently, I sent you the list of 293 members of the 116th House of Representatives that have supported Medicare Advantage (MA). I will send it again Today! I have since learned that the Republican Study Committee is planning to release its own health plan alternative by the end of the month. As an important member of this and related committees, I am writing to urge you to incorporate Medicare Advantage into your thinking. 

Previously, I sent you the top 28 reasons why Medicare Advantage should be the core of your new health plan. I believe that to successfully pass any major health plan legislation in the House, then get it through the Senate and ultimately signed by the President, the plan must have three essential elements. It must be bipartisan (or capable of becoming so). It must be cost-effective, but even more importantly, in order to avoid the natural skepticism from public health advocates and others, it must be popular with the American people. The truth is Medicare Advantage is the ONLY health plan that meets ALL three of these basic criteria. 

Medicare Advantage For All has answers for you on this and how to restore the health of the American people, including the efficacy of Medicare Advantage as a national plan for all ages. These answers can be found on www.medicare-advantage-for-all.com  We are excited about your new health plan. Reducing our cost of health care and making it affordable will ultimately require an Apollo-like national commitment. And, we believe that you can “Make America Healthy Again” with the best design of the health plan for which you vote. You will be receiving our correspondence again soon by snail-mail.  Please keep a look-out for it. Thank you very much for your service. 

09/18/2019 – LETTER TO MA SUPPORTERS IN THE HOUSE 

Letter excerpts to the 293 House members supporting MA – September 18, 2019 

Thank you for supporting the Medicare Advantage Program (MA) which is the bright star on the national health insurance stage. MA is the most popular health plan with your constituents and in Congress.  Enclosed you will find the list of the 293 of your fellow Hose members that have supported Medicare Advantage. This is more than double the number of sponsors for the Medicare for All Act of 2019. Also enclosed please find our Fifth Edition of The True American displaying the Medicare Advantage programs popularity and making the case for extending this dynamic program to All Americans. (See the Fifth Edition here under the True American Tab – SITTING ON A BOMB: May 2019 ) 

The most important challenge we face is maintaining and promoting the health and well–being of all our people. We have 30 Million uninsured. We suffer from a crippling chronic disease epidemic that is driving our costs of health care through the roof. 

We believe you have already supported the solution. A properly designed Medicare Advantage plan with an integral health and wellness component created and delivered under the supervision of our able Health & Human Services Department is the answer to all of the problems. A Medicare-Advantage-For-All Program that changes the way our medical professionals treat chronic illness will save over $1 Trillion Dollars annually. 

Medicare Advantage is the most popular health plan in America. Unfortunately, there has never been any major health plan legislation passed by the Congress on Medicare that has NOT been bipartisan! In fact, every major act signed into law since Medicare’s inception was both bipartisan and passed to reduce the cost of the medicare program. 

Your constituents are looking to you for answers. We believe that for any health plan to pass the House, then get through the Senate and ultimately signed into law by the President; the plan must have three essential elements. It must be bipartisan (or capable of becoming so). It must be cost-effective, but even more importantly, in order to avoid the natural skepticism from public health advocates and others, it must be popular with the American people. The truth is Medicare Advantage is the ONLY health plan that meets ALL three of these basic criteria. 

We Americans are sitting on a health care Bomb! This problem can not be fixed without your help. But, every day your constituents have to live with high cost and the difficulty in getting the health care that they need and deserve. That can not be good for your re-election. Please consider working with the 293 of your colleagues, who support Medicare Advantage and help us create a “program that really works”. 

Want to support Medicare Advantage? You can. 

To support and join this movement, you can download our Medicare Advantage Membership Application and complete it with your contact information and send it to us with your financial support or just complete the Pay Pal Credit card authorization on the About and Become A Supporter Pages on our web site. 

For more information on the Medicare-Advantage-For-All plan and the movement, visit our Medicare-Advantage-For-All plan page or our Medicare Advantage Facebook page, call us at 1-888-683-3719 or contact our email us at: contact@medicare-advantage-for-all.com. 

The post Our Recent Communications to Congressional Staff  appeared first on Medicare News Advocate.

Democrats, Republicans, the American people – we all want affordable health insurance. Because of its current price tag, the CBO and Kaiser Family Foundation (KFF) both estimate that we have 28 million people without health insurance.

Over the last 50 years, the rate of health care inflation and the concomitant cost of health insurance has risen at double digit rates of increase. According to the CBO, healthcare is the fastest growing category of national spending. The U.S. health expenditures in 2015 accounted for over 25% of the federal budget, up from just 7% in 1976.

A comparative reference on this level of health care spending, is the comparison to what we spend on our national defense. Our “entire” National Defense and Security Budget is 16% of the federal budget. Our healthcare expenditure is 1.56 times as much as we spend on our military. Our military budget is also, by far, the largest in the World. It exceeds the spending of All the other industrialized nations “combined” including Russia and China. The military/industrial complex does not get nearly as much of our tax dollars, as our government spends health care!

Ten percent of our citizens are not covered by health insurance. The question is, do we have to spend even more money to cover them or is there another way to do it? The National Priorities Project, quoting from numerous reputable Research Polls and Reports, found that most Americans name controlling healthcare costs as a top priority (64%). An equally large number of Americans strongly value Medicare, but only 22% say they support reducing health spending. As Senator Rand Paul said in the past, “we all want more health care benefits, but we are unwilling (or unable) to pay for them,” especially at the state level. We cannot blame the Republicans for trying to reduce the cost of health care. And, we cannot fault the Democrats for trying to increase the number of our citizens, who have health insurance at the same time.

We are spending tax dollars to sustain and improve the very health of our citizens, including our indigent mothers with children, many of our low wage workers, our retirees, our veterans, the unemployed, our poor men and women and our disabled. How much of your own family budget is spent on health insurance? If it is just 25% (like our national budget), you would probably feel pretty good about it. But what if your spending only covered 90% of your family? What if you couldn’t afford to cover your children for that amount of money? How would you feel about it then?

Our solution to more affordable health care is Medicare Advantage for All. The Medicare Advantage (MA) programs insure over twenty-two (22) Million Americans with comprehensive health insurance, at a lower federal cost than either Traditional Medicare or Obamacare/ACA

To support and join this movement, you can download our Medicare Advantage Membership Application and complete it with your contact information and send it to us with your financial support or just complete the Pay Pal Credit card authorization on the About and Become A Supporter Pages on our web site.

For more information on the Medicare-Advantage-For-All plan and the movement, visit our Medicare-Advantage-For-All plan page or our Medicare Advantage Facebook page, call us at 1-888-683-3719 or contact our email us at: contact@medicare-advantage-for-all.com.

The post The Cost of Healthcare appeared first on Medicare News Advocate.

Health insurance can be complicated, and many details of health care and health insurance are lost on the public. Who likes to read an insurance policy? No one!

When our representatives in congress fail to live up to their promises with health care and support programs that aren’t working, these are the things NOT lost on us. We want our representatives to tell us why or why not proposals are good or bad ideas and offer alternatives.

Overall, everyone wants the same thing: affordable health insurance and lower health care costs.

In 1995, health care in the United States was 13% of GDP. In 2014, it was 17% of GDP. We spend more than any other nation in the World on health care. This is “Big” business. President Trump recently got the Senators together at the White House told them (and us) that he expected the Senate bill to be, “a phenomenal Bill for the people of our Country.” He was hoping it would be a bill that is, “generous, kind and with heart.” President Trump said the Senate is going to, “come out with a, “Real bill – not Obamacare!” The Democrats continue to resist any changes to Obamacare. Fortunately for them, the actual Senate draft bill was an adjustment to ACA – Obamacare, and its later version that I call the “Obamacare Dark”.

We hope the Democrats will embrace the idea of promoting Medicare Part C – as the Medicare Buy-In program that Hillary Clinton has been promoting and come to a compromise that will give Republicans some tax relief on and greater control over future health care costs. Democrats can take credit for coming up with the Medicare Part C Plan, that will include competitive benefit plans to attract new members, adequate premium subsidies and tax credits, more affordable plans for the needy, protection for pre-existing conditions, more uninsured voters signing up for coverage and more influence over the programs design. T

Democrats need to step up for their party to protect the interests of the people they represent and insist on the elements of the plan that will appeal to their base and participate in this solution. Medicare Part C is a start! I have made it abundantly that the federal government knows how to successfully structure health insurance programs. They are supervising several of them and they cover tens of thousands of people. The Senators and Representatives are all very smart, many of them millionaires, many of them know how to fix problems like this, but they can’t fix this problem purely because of politics. If you are as frustrated as I am with this situation, we can truthfully lay the blame squarely on many of our Congressional Representatives of both parties in Washington, D.C. They are “NOT” acting like Statesmen and Stateswomen and they are “Not” acting in our BEST interest. T

Every member of Congress and the Trump Administration should be aware that the federal government is already doing a great job providing essentially the things that everybody wants. Ask the more than 55 million Americans covered by Medicare A and B or the 17 million Americans covered by Medicare Part C – Medicare Advantage Plans how they feel about their health plans? They will ALL tell you they are happy to have them. Without them, they would be worried about how they were going to pay their bills, if they get sick.

Want to help support Medicare Advantage for All? To support and join this movement, you can download our Medicare Advantage Membership Application and complete it with your contact information and send it to us with your financial support or just complete the Pay Pal Credit card authorization on the About and Become A Supporter Pages on our web site.

For more information on the Medicare-Advantage-For-All plan and the movement, visit our Medicare-Advantage-For-All plan page or our Medicare Advantage Facebook page, call us at 1-888-683-3719 or contact our email us at: contact@medicare-advantage-for-all.com.

The post Medicare Advantage: Giving the People What they Want appeared first on Medicare News Advocate.

As Americans, we need some form of health insurance, because it is too expensive for many of us to afford without help. The challenge for the American federal government is to curb the tremendous increases in the cost of health care and at the same time give those people, who are not insured, access to affordable health insurance – this is what Obamacare is and was supposed to do, but that is not what is happening.

Obamacare was successful in increasing the number of people signing up for Medicaid by 11 million. The way Affordable Care Act (ACA) did that was easy. The federal government agreed to pay the states 100% (gradually reducing to 90% in 2020) of the cost of raising the eligibility for qualified citizens to sign up for the program. It was like signing people up for a free lunch.

Our focus on health insurance may cause us to forget that the federal government does have other national priorities, including a crushing trillion-dollar national debt and a multiple billion-dollar annual budget deficit. We can’t keep throwing money at every problem we have, without having some rational plan to handle the risks. How do we fix ACA (Obamacare) so that this time we get it right, without having to pay for a government takeover of the entire health care system – a move that will certainly and severely damage our quality of health care?

We have approximately 43 million citizens that need help from the government. These people include the ACA enrollees (9 Million), the low-wage uninsured and unemployed workers (28 million), and segments of the Medicaid eligible population (5 million). In order to “fix” the problems, we must figure out an economical way to help about 10%  to 13% of our total population. The problem is manageable.

The FIRST thing that Congress needs to understand is that the ONLY way they can lower the cost of health insurance, without doing anything about the health of the population, is to use the power of leverage in a REAL insurance plan! President Trump told the Senators, he wants, “a REAL bill – NOT Obamacare.” Congress must stop throwing good money after bad and make it possible to use the power of leverage in a “REAL” actuarially underwritten insurance contract. The power of leverage in health insurance, is the ability for health insurance carriers and HMOs to charge a low premium rate (less than one would normally have to pay on their own) to a large number of people and when the little premiums are all added together, the total amounts to enough money to pay for the health care expenses of those few in the group that actually get sick.

The only other “real” actuarially underwritten federally sponsored health insurance program (besides FEHB) that covers “We the People” is our Medicare Part C – Medicare Advantage. The Medicare Part C operates under the principals of “REAL” insurance. Medicare Part C – Medicare Advantage programs cover approximately 17 million of our most vulnerable elderly citizens. The program’s popularity has increased due to ACA. For the participants in Medicare Part C, the federal government does an annual evaluation on the actuarial equivalency of cost for Original Medicare. This means that they determine how much the government would have to pay an insurance carrier if they were going to produce an insurance program that was actuarially equivalent to the traditional Medicare program in a particular county. Therefore, CMS annually determines what capitation fee the federal government is willing to pay for health insurance in each county in the United States. The health insurance carriers and health maintenance organizations take these rates and design health insurance benefits programs, with CMS approval, to cover the participants within the margin of the prospectively determined capitation (per person dollar amount) rate. The federal government agrees to pay that rate and the insurers (insurers and/or health care providers) take the risk and assume the responsibility of administering the programs. There is no confusion about how much the carriers are to be paid. There are certain requirements that the insurers must meet to satisfy the Centers for Medicare and Medicaid Services and these are met in strict but collaborative and rational interactions characteristic of this successful Public-Private Partnership. This is the way it should be done and is unlike the turmoil that ACA has created in some markets.

Like the sound of Medicare Advantage for All? Support it!

To support and join this movement, you can download our Medicare Advantage Membership Application and complete it with your contact information and send it to us with your financial support or just complete the Pay Pal Credit card authorization on the About and Become A Supporter Pages on our web site.

For more information on the Medicare-Advantage-For-All plan and the movement, visit our Medicare-Advantage-For-All plan page or our Medicare Advantage Facebook page, call us at 1-888-683-3719 or contact our email us at: contact@medicare-advantage-for-all.com.

The post How to Fix Health Care with Medicare Advantage appeared first on Medicare News Advocate.