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Medicare Advantage for All Americans

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Medicare Advantage is the most popular health plan in the United States. Extending it to everyone will lower our National Healthcare GDP by
$1.3 Trillion Dollars to 12% by eliminating just half of our chronic illness.

A Trump Medicare Advantage Plan

A Trump Medicare-Advantage-For-All plan is a fantastic idea that will enable comprehensive, cost-effective health insurance for All Americans. We desperately need health reform. The great irony of this is that the Democrat majority in the House was elected on the health reform issue. Health reform is House Speaker Nancy Pelosi's key agenda item. She has urged her caucus to conduct Town Hall meetings on health care. Unfortunately, besides impeachment, Speaker Pelosi's singular focus is to reform Obamacare. In a recent interview she said she has signs for "Single Payer" that she stores in her basement. Let's hope they stay there. She has allowed progressive Democrats, who want to eliminate Obamacare (and private health insurance) in favor of a government-run single-payer system, to hold hearings in the House on their Medicare for All plan ideas. Republicans will NEVER support either of these programs. Heartland American voters, including voters in key battleground states, are having nothing to do with these ideas and their Trillion-dollar prcie tags. The Democrats have polluted this health care river and they refuse to clean it up!

And, as Speaker Nancy Pelosi said in her recent press conference after the impeachment vote, "I DON'T CARE what the Republicans think." In order to save American lives and reform our health insurance system, she and her colleagues must develop the capacity to CARE what Republicans think about the health of the American people and realistically too many Democrats just DON'T CARE!

We must have major health care legislation that can get at least 218 votes in the House of Representatives and 60 votes in the Senate. Right now Medicare Advantage has 293 current members of the House of Representatives and 60 Senators, who are on record supporting the program! Supporting Medicare Advantage is an obvious bipartisan solution to our problems! But, we can't get this program implemented because the political parties are too polarized and they can't agree on anything! The only way we are going to stop the bleeding and start saving lives is with a change of the majority party in the House of Representatives! This is what President Trump has been saying all along, "If the Republicans take back the House, keep the Senate, keep the presidency - we're gonna have a fantastic plan," He wants the Republican Party to be the party of Health Care. We have reluctantly come to the conclusion that he is absolutely right.

Birth rates and life expectancy are critical markers for the overall health of a nation. The American people's health care needs are being violated.Our babies are dying at a rate 71% higher than comparable nations. If they survive to age 25, working people of every income, race and ethnic background, over the last eight years are more likely to have a shorter life span. Our Medicare Trust Fund, covering almost 60 Million seniors will be bankrupt in 2026. And, in 2030, Harvard projects that Sixty percent (60%) of Americans will be be obese, at the same time the number of people qualifying for Medicare will have almost doubled. This is the BOMB the American people are sitting on!

So, let's review the facts. We vote for people who tell us they care about our health. We spend $3.65 Trillion Dollars a year, yet our elected politicians pursue proposals that will NOT pass the House of Representatives or the Senate. In the meantime, our babies are dying, our productive lives are being cut short and we are getting so fat that we have a crisis with chronic illness. Medicare is running out of money. This is absolute insanity. We Americans must wake up to the fact that we are collectively being cheated. We need to clean House.

THE AMERICAN PEOPLE ARE SITTING ON A BOMB

30 Million Average Uninsured: The Congressional Budget Office (CBO) says Thirty (30) Million average Americans had NO health insurance in 2019. And, CMS recently estimated that Obamacare enrollment for 2020 has declined again for the fourth straight year, despite some premium rate decreases. The CBO also projects that the number of uninsured Americans will increase to Thirty-five (35) Million by 2030.

Medicare Bankruptcy: Old Age Survivors and Disability Insurance (Social Security) Trustees project that by the year 2026 the Medicare Trust Fund for 59.8 Million retired Americans will be 100% GONE! Now we are confident that our congress will fix this problem because spending more money is a bipartisan priority, but unless congress can also fix the health care system, the health of the American people and the Medicare program and its Trust Fund will continue to be literally and figuratively bankrupt.

We are the #1 Spender: The United States is the Number One national spender on healthcare on the planet. Yet, the World Health Organization says the United States is only 37th in health quality. Our number one spending status includes the disgraceful fact that our babies are dying more frequently than most other comparable nations and the average productive American worker has a shorter life span (dying sooner) from all causes.

Baby Deaths Increased: The Kaiser Family Foundation - Perterson Partnership recently posted the fact that the United States has 63% more neonatal deaths and 90% more postnatal deaths than other comparable countries around the world. In the last two decades ending in 2017 our infant death rate declined 40% more slower than all the other nations with similar GDPs. In total, our babies currently die at a rate approximately 71% higher than our competitor nations and our infant death rates have increased (not decreased) in 2018.

Average American Death Rates Increased: The National Institute of Aging recently uncovered the fact that all Americans aged 25 - 64 have increased rates of death from ALL causes. These increases shockingly affected all racial and ehtnic groups in the seven years ending 2017. The Study's lead author was quoted as saying "The whole country (U.S.) is at a health disadvantage compared to other wealthy nations. (U.S.) Employers have a sicker workforce." We are not only sicker; we are dying earlier than in comparable nations that spend much less money than we do on health care. Our congress has absolutely failed "We the People". We need is legislation to impliment the Trump Medicare Advantage plan modeled after the current Medicare Advantage plan, that is a program that really works.

66% of U.S. is Overweight: The National Institutes of Health says 2 out of 3 Americans are currently overweight and the CDC reports 40% of the U.S. population, approximately 124.4 Million Americans are obese! The Harvard T.H. Chan School of Public Health released a study Decmber 18, 2019 projecting the total obesity will increase to 50% (about a quarter of which will be severe obesity) by 2030. This epidemic will affect over 35% of the populations in every state in the union. Obesity is partially responsible for our higher incidences of infant death. The senior author Steven Gortmaker said, "Obesity, and especially severe obesity are associated with increased rates of chronic disease and medical spending, and have negative consequences for life expectancy".

Chronic Disease Epidemic:  Ninety percent (90%)of the U.S. National Health Care GDP (90% = $3.285 Trillion Dollars in 2018) is spent on the treatment of chronic illness. Most medical professionals estimate that 80% of this risk can be reduced or eliminated with better medical care. We believe that a Trump Medicare Advantage plan For All Americans, who are NOT otherwise insured, that includes an integral health and wellness program, will lower our National Health Care-GDP by $1.3 Trillion Dollars to 12% by reversing or eliminating half of the chronic illness conditions from which we suffer in the United States.

High Cost of Health Care:  In 2018 the Unites States National Health Care - GDP of $3.65 Trillion Dollars was 18% of our total GDP. The Congressional Budget Office (CBO) expects that to increase by 5.5% annually through 2030, at which time our over age 65 population will have almost doubled. The CBO also estimates that we will add 5 Million more Americans to the ranks of the uninsured by that time. We (at Medicare-Adavantage-For-All.Com) project that our chronic illness cost will absolutely EXPLODE if we don't do something new and dramatic to improve the health of the American people! Warren Buffet says, “We can NOT continue to do the WRONG thing indefinitely.”

Seniors Will Lose Medicare: It has been clearly demonstrated by the cost estimates of Senators Bernie Sanders and Elizabeth Warren that their Medicare for All proposals will create a financial burden on the American people that will ultimately deprive Medicare beneficiaries of the health insurance plans they have today. There is no politician on the face of this earth, not even President Donald J. Trump, who can credibly promise that our seniors will be able to keep their plans, especially if we nationalize healthcare! And, unless we start to do the RIGHT thing and support a plan that puts the health of the American people first, no American will be able to afford to keep their health plans.

ACA Declared Unconstitutional?: In 2020 the Affordable Care Act (Obamacare) without the Individual Tax Mandate, may be declared unconstitutional by the United States Supreme Court. Most lawyers think this will not happen, which is why we think it is a virtual certainty. On Decemebr 18, 2019 a federal Appeals Court recently ruled Obamacare's 'individual mandate' is unconstitutional, but other parts of the law still require further legal review. We need to get behind a viable bipartisan alternative. We beleive a Trump Medicare Advanatge Plan For All is the answer.

Trump Medicare Advantage For All is the right answer: "WE THE PEOPLE" must become True Americans for Health Living and reduce the cost of health care by demanding that the federal government help us improve our health, well-being, and productivity. There is no question that our future competitiveness as a nation depends upon this! We are the only ones that can be responsible for our health. That is the lesson of the recent movie "Dark Waters" and it is true in everything we do.

NOTHING is more important than OUR health! We must get our elected officials to accept and support our uniquely American health care system and help us get the "Better" Health and the "Better" Health insurance that we deserve!

Join Us! Go to the "About Us" Page and sign up. Help the United States to continue its prosperity and work for truth and justice in the free world. We can not do this without "YOU" and with you being in the BEST health of your life! Medicare Advantage is the most popular health plan in the United States and President Trump extending it to everybody will NOT happen without YOUR HELP!

 

Medicare Advantage vs Obamacare

  MEDICARE ADVANTAGE IS THE MOST POPULAR HEALTH PLAN IN AMERICA

Medicare Advantage (MA) enrollment exceeds 22 Million Americans, which is well over twice the number of ACA (Obamacare) participants. Medicare Advantage is THE FASTEST GROWING HEALTH INSURANCE PLAN IN AMERICA, adding thousands of new members aging into the program daily. Extending Medicare Advantage to everybody will NOT happen without YOUR HELP!. If an American qualifies for Social Security (SSI) and is over age 65, they are eligible for Medicare and Medicare Advantage. If you are NOT eligible for SSI, you are eligible for Obamacare. While Medicare Advantage enrollment exceeds 22 Million Americans, roughly 38% of all Medicare's eligible, Obamacare covers have just 8.4 Million, which is less than 22% of its eligible population. The big difference between NOT choosing Medicare Advantage vs. Not choosing Obamacare is the non-Medicare Advantage people are usually covered by Medicare. Those that do not choose Obamacare are usually uninsured. They go without health insurance altogether and they are NOT covered.

ACA (OBAMACARE) IS THE MOST EXPENSIVE HEALTH PLAN ON EARTH

COMPARISON OF TOTAL OBAMACARE (ACA) COST WITH MEDICARE ADVANTAGE (MA) AND MEDICARE (MFFS) EXPENSES

YEARS ACA 2015 MA 2015 MFFS 2015
A M EARNED TOTAL COST
(Billions) ACA & MA 1.+2. & MFFS 4.
95.9 173 549.3
CSR PAYMENTS
(Billions) 1.Milliman
5.7 0 0
REINSURANCE
(Billions) 7.Harvard
7.8 0 0
RISK ADJUSTMENT
(Billions) 1.Milliman
4.8 0 0
RISK CORRIDOR
(Billions) 1.Milliman
5.9 0 0
TOTAL COST/BENEFIT
(Billions - Sum)
120.1 173 549.3
TOTAL ENROLLMENT
(Millions) ACA & MA 3. & MFFS 5.
9.1 17.8 55.3
ANNUAL COST/BENEFIT PER MEM. 6. $13,198 $9,719 $10,419

In 2015 the ACA cost eclipsed the annual Per Member cost of the Medicare Advantage plans (and Traditional Medicare) by over 35%. Although the 3 R’s: Reinsurance, Risk Adjustment, and Risk Corridor which were primarily responsible for the 2015 overage are no longer paid by the federal government, the Per Member Cost of Obamacare far exceeds the benefits being provided to the American taxpayers and the unsubsidized Americans, who are paying for these programs. Obamacare is NOT ONLY the most costly health plan on the planet, but it has also failed to attract the majority of uninsured Americans. 

AMERICANS ARE CONCERNED ABOUT HEALTH CARE ISSUES

Eighty-three percent (83%) of Americans are struggling to pay the out-of-pocket costs associated with most qualified plans. The high deductibles and coinsurance of ACA programs require Americans to pay most of their normal healthcare expenses out-of-their own pockets. THIS IS NOT FAIR!

Amerispeak

two ways to have medicare

MEDICARE ADVANTAGE PLANS COMBINE THE BEST OF MEDICARE

Medicare Advantage plans (MA) are comprehensive health insurance programs that replace traditional Medicare. MA plans are similar to Comprehensive Major Medical plans that cover hospital, doctors and RX with co-pays, deductibles, coinsurance and stop-loss limits to out-of-pocket medical expenses that give beneficiaries a sensible alternative to Medicare which is less costly, equivalent in quality and value and provides the comfortable and familiar financial security required by most Americans. 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 Advantage plan For All that provides these very same benefits for ALL Americans.

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WE NEED TO MAKE MEDICARE “MORE” AFFORDABLE

In order to make our Medicare program available to ALL Americans, we have to make it MORE AFFORDABLE so that every American can take advantage of it without sending our country into bankruptcy and the tax payers into apoplexy! HHS has laid the ground work by requiring Medicare Advantage plans to be equivalent to Medicare but also allowing more cost sharing. HHS requires that seniors are not disenfranchised in any way, but unlike Senator Bernie Sander's Medicare 4 All plan; Medicare Advantage subscribers share more in their personal health expenses to make the Plans more affordable. In return, HHS encourages health plans to add many benefits like silver slipper gym memberships, dental and vision that make Medicare Advantage plans more attractive.

WHAT WE BELIEVE

HEALTHCARE IN THE UNITED STATES IS IN CRISIS
We Americans deserve "Better" Health and "Better" Health insurance. Our federal government has both the knowledge and the necessary resources to improve the deplorable health condition of the American people! There is NO better solution to our problems than a Medicare Advantage plan for ALL Americans.

HEALTH OF THE AMERICAN PEOPLE

HEALTH OF THE AMERICAN PEOPLE
The human suffering and the loss of productivity is having a serious and deleterious impact on the ability of the American people to compete with China, Japan, the EU and the other nations in the world economy. Our costs are #1 and our incidence of chronic Illness is #1 in the world. We Americans have the highest rate of obesity, the highest incidence of chronic illness and the MOST expensive health care system. And, economically, we are sadly falling behind the other nations. As Warren Buffet says," We CAN'T continue to do the wrong thing INDEFINITELY!"

THE HIGH COST OF HEALTH CARE

THE HIGH COST OF HEALTH CARE
The high cost of health care in America can be reduced to a world competitive GDP level with a properly designed health plan that includes an integral health and wellness program. This can ONLY, and I repeat, ONLY be created and delivered under the supervision of the federal Department of Health and Human Services. Health and Wellness are the most important ingredients to create a cost-effective Medicare-Advantage-For-All program.

HEALTHCARE IN THE UNITED STATES IS IN CRISIS

MEDICARE-ADVANTAGE-FOR-ALL IS THE ANSWER

TRUMP-MEDICARE-ADVANTAGE-FOR-ALL IS THE ANSWER
Medicare Advantage is the most popular health insurance program in America Today! It covers over 22 Million Americans with comprehensive health insurance that is affordable and accessible to most Americans over the age of 65. We must work with All of our representatives on both sides of the aisle in both houses of Congress to immediately extend this popular program to every American! Below please see our Draft Medicare-Advantage-For-All Senate Bill, along-side the major matching provisions of Senator Bernie Sanders S. 1195 Bill, under the subtitle "What We Can Do About It? ". We see a Compromise that may be a possible fix without costing us a fortune.

A TRUMP MEDICARE ADVANTAGE PROGRAM

Many concerned Democrats are advocating a wholesale change to a “Medicare for All” program, as the answer to our dysfunctional health insurance system. On October 22, 2019, the House Republican Study Committee (RSC) released a plan document outlining a framework for a personalized affordable health care plan designed to encompass a variety of innovative health insurance plans. This framework study followed on the heels of a Report entitled, "Reforming Americas Healthcare System through Choice and Competiton" issued to President Trump by the Departments of Health & Human Services, Treasury and Labor and designed to get these massive bureaucracies on the same page. The RSC Framework for Personalized, Affordable Care incorporates plans like a Trump Medicare Advantage For All, and Direct Primary Care plans such as our Community Health Center Health plans, the Rand Paul Association Health plans, the Short-Term Health plans and Health Care Sharing Ministries plans. All of these health plans are practical ways to make health care more affordable for the American people.

Both political parties are united on the need to improve the health insurance system, especially considering that the Medicare Trust Fund is running out money. The main hang up seems to be deciding on who is going to pay the claims. Obviously, Republicans think this should be up to the experts that design these health plans, not the government. So, what will a Trump Medicare Advantage Plan look like?

The Trump administration needs to draw on the experience of the current Medicare Advanatge program which is the most popular health plan in the United States. It has demonstrated impressive cost savings and improved quality of care for seniors. Humana's most recent 2019 Value-based Care Report is a good example. Humana has documented improved quality of care with their value based approach while saving Millions of dollars over the cost of traditional Medicare. The Trump Medicare Advanatge for All plan should also incorporate all of the objectives in the RSC framework for Personalized Affordable Care and require that certain federal guard rails are observed by the health insurance companies and health care providers that develop these plans.

Each jurisdictional state government will be asked to approve their own programs in the same way that each of the states now has its own Medicaid programs. The state based programs has been referred to as the incubator approach because each state will be able to develop systems that suit their particualr population and innovative successful characteristics can be shared among the states. This was also the approach proposed by the last Republican health reform effort in the Graham-Cassidy bill.

The Trump Medicare Advantage plan will use the following guidelines to PROTECT, EMPOWER AND PERSONALIZE our health insurance, to improve our health status, lower the cost of our health care and make comprehensive health insurance more affordable for all Americans.

PROTECT - To protect all Americans, the Trump plan will focus on covering our most vulnerable citizens with viable Medicaid programs, Guarenteed Coverage Pools for Pre-existing Conditions, a vibrant Community Health Center network and adequite Subsidies to make the Coverage Choices more affordable for everybody.

  1. Medicaid Plans- Medicaid is a vital state safety-net health insurance program for economically challenged and needy Americans. There are approximately 72 Million Americans enrolled in Medicaid and CHIP, the cost of which is paid 50%/50% by the state and federal tax payers. The federal share is open-ended. The ACA allowed for states to expand Medicaid programs. Those states that expanded the program, enrolled millions of new members. The expansion was 100% paid for by federal tax payers. Medicaid was originally intended to cover poor unemployed pregnant women, parents, elderly persons, disabled individuals and children. It was not intended to cover able-bodied adults, who are capable of community service and gainful employment. Expanding Medicaid enrollment to cover this group caused problems in the health care delivery system. The Trump Medicare Advantage plan will cap the current open-ended federal entitlement structure of the program with separate per capita grants to help the states address the needs of the traditional Medicaid populations. Each state can enroll who they want in the program.
  2. Guarenteed Coverage Pools - The Trump Medicare Advantage program will guarentee coverage for pre-existing health conditions. It will require the states to set up these federally funded state administered pools to cover those people with pre-existing conditions. This will lower the cost of health insurance for everybody. These Pools can also be used to help people between jobs and those that need health insurance portability to maintain continuous coverage.
  3. Premium Subsidies - We have 30 million Americans without health insurance. The Congressional Budget Office projects that this number will increase to 35 Million by 2030. Many of these people are working in low-wage jobs and cannot afford health insurance. The Kaiser Family Foundation has documented the fact that the high cost of health insurance is the principlal reason they don't have it. The Urban Institute has confirmed that low-wage Americans have more health problems. We believe the high cost and incidense of chronic illness is directly related to the health of our uninsured population. And, the cost of their health care inflates the cost of health insurance for everybody. The Trump Medicare Advantage plan will focus on providing needed health care services to this under served population. The Trump plan should fund the necessary premium subsidies to make coverage affordable for every American that needs it. These subsidies should be delivered to the states in the form of flexible grants designed to match the current ACA individual marketplace subsidies and Medicaid expansion funds. This should also be the method by which all states recieve federal funding for their reinsurance pools under 1332 waivers. All federal funding levels should atleast match the current ACA subsidy spending.
  4. Community Health Center Funding - Our Community Health Center Network has over 10,000 locations throughout the country, mostly in under served urban areas and rural communities where health care services are most needed by our most vulnerable residents. The health centers employ over 51,000 health care workers serving over 1,400 communities and are substantially supported by the federal government. The community health centers accept all forms of health insurance including Medicare and Medicaid, but if a person has no health insurance and cannot afford to pay for health services, the health services are free. The Trump Medicare Advanatge plan should fund these centers directly and arrange to sponsor a Community Health Center "Association" Health Plan Option. This proposed Community Health Center Health Plan (CHCHP) would rely on the community health centers for all the primary care, like the Direct Primary Care plans and provide the tertiary care to the insured population through a third-party insurance mechanism. The federal government, here to for, has been unable to offer a program that attracts low-wage workers who make up a significant portion of the uninsured population. These special programs will require participants to receive all their primary care from the community health centers (CHC) in their area. The CHC will become the sole primary care home, in place of the ER's. This program will definitely make available the primary health care they need in a more affordable manner.
  5. Plan Coverage Choices - Congress and the American people have got to get real about the deplorble condition of American health. We have to have a special commitment to "Make American Healthy Again". Our proposal for "Trump Medicare Advantage For All plan is all about health care and it is all about the health of the American people. And, that is what this debate should be all about! The traditional Medicare program is NOT affordable, partly because of the deplorable health condition of the American people and partly because our medical care deleivery is not structured to improve our health. See our Wellness and Well Being page for more information on how we can incorporate an integral health, wellness and well being program into the Trump Medicare Advanatge plan to address this grave situation. We recommend coverage for gym memberships, personal trainers and diet programs. Our proposal is to create comprehensive platinum, gold, silver and bronze health plans options that cover necessary health services and reward people for improving their health status. Coverage for things like mental health, maternity and various therapies that many Americans do not need will be offered as riders. We would scrap the Obamacare essential health benefits, because they are not essential and people who don't need them should not be forced to pay for them. The Trump Medicare Advantage plan will also use capitation reimbursement to pay the carriers and health providers in the same way we pay for the Medicare Advantage programs now.

EMPOWER - To empower all Americans, the Trump Medicare Advantage plan should enable Enhanced Portability, unleash the power of Health Savings Accounts, provide Tax Benefit Equity, Price Transparency, Lower Prescription Drugs Costs and Empower Providers.

  1. Enhanced Portability - Implementing the RSC's tax equity provisions will give everybody the freedom to have insurance plan mobility. Americans will have the freedom to buy individual health insurance after being covered by a group insurance program or a COBRA extension without the fear of loosing continuity. They can take their insurance with them, regardless of whether they move jobs or become self-employed without the risk of loosing coverage and having a problem with coverage for pre-exisiting conditons. Americans would gain greater control over their own money and their health care choices and further neutralize the issue of pre-exisiting conditions.
  2. Tax Benefit Equity - The RSC Plan proposes to provide equal tax treatement in the employer and individual health insurance markets which has contributed to high-priced health plans, overly comprehensive benefit structures and over utilization of health care. This has feuled inflation in insurance costs and health care prices in general. We need to tax the benefits for employer sponsored plans and for employees so that both parties have an incentive to reduce cost and become better consumers. Expanding the use of Health Savings Accounts should more than off set the additional taxation.
  3. Health Savings Accounts - Equalizing tax benefits will also make it possible to allow employees to use Health Savings Accounts (HSA) to pay their health insurance premiums and an expanded set of health care services that would otherwise be purchased with after-tax dollars. The use of HSAs will be allowed with all the Trump Medicare Advantage plan options as well as all of the other types of health plans. One of the keys to reducing the cost of health care is to make consumers more responsible. The RSC plan and the Trump Medicare Advantage plan would legislate increases in Health Savings Account contributions so they could be more flexible and effective for consumers used of pre-tax dollars.
  4. Price Transparency - On June 24, 2019 President Trump has issued an Executive Order for Improving Price and Quality Transparency to make health care provider prices more transparent to the american consumer. Obviuosly, as consumers bare more responsibility for the cost of their care, they need to know what they are paying for and how much their planned health services are going to cost. This is necessary so that they can make the best decisions of where to get services and from whom. Competition is the American way and next to improved health, competition is the best way to keep provider charges under control. Transparency and increased patient responsibility are the keys to success. Dr. Marty MaKary of John Hopkins Hospital has recently written a book entitled "The Price We Pay".  He believes that 20% of medical care is inapprpriate and greater price transparency is the way to reduce it. This also make it easier for consumers to negotiate with providers and will result in lowering the cost of health care for everybody.
  5. Lower Prescription Drug Costs -  There is a lot of controversy over the cost of prescription drugs in the United States. Our costs are much higher than drug companies are charging for the same products in other countries. More government intervention in foriegn markets is a factor. Governor Ron Desantis of Florida has been urging President Trump to allow Floridians to import prescription drugs from other countries. This would significantly reduce the cost of drugs for his constituents. Trump is trying to finalize his Health 202 Executive Order to allow foreign imports but is running into some formadible opposition from Big Pharma. There are potent arguments on both sides of the issue. There is extremely high costs to do the research and satisfy the regulatory requirements for bring new drugs to our markets. We benefit and subsequently these drugs become available to the rest of the world. In a very real way, we are contributing to the improved health of everyone on the planet. Big Pharma's argument is that the high cost of our drugs is supporting significant improvements in medical care and our patient life styles. And, the industry offers even greater promise for future improvements with the promising research into the Human genome. These advancements allow better diagnosis and treament of illness and ultimately save a lot of money. The question is how much is too much. We don't want to kill the goose that lays the golden egg. Hopefully the powers that be will be able to answer that question in the not too distant future.
  6. Empower Health Insurance Companies & Providers - The Trump Medicare Advanatge plan will require insurance companies and healthcare providers to transiton to Value Care by mandating the use of contracts and payment models that encourage provider risk taking and place the responsibility for positive health outcomes firmly into the hands of the hopsital and medical community where it belongs. For too long we have been paying insurance companies and healthcare providers for piece work, the end product has been overlooked and completely broken-down. At this point the Emperor has no cloths. The Centers for Innovation have successfully developed models for reimbursement reform. CMS and health insurance carriers have experimented with HMO's, ACO's, Primary Care First and Direct Contracting. The Health Care Payment-LAN network has set out all the necessary reimbursement parameters. It is time to require that APM's be incorporated into the administration of every insurance plan  and provider reimbursement arranment that is approved for participation in the Trump Medicare Advantage Plan.

PERSONALIZE - The problem with all of these great ideas for improving the health care system and efforts to lower the cost of health care is that the "patient is still the pawn in the system". No one is really focused on the patient. In December, Seema Verma said," For too long, the health care system has catered to the demands of special interests and left the patients as an after-thought. We are trying to flip that on it's head and restore patients to their rightful place at the center of American healthcare." Everyone is concerned with the providers and the insurance plans, market share, reimbursement routines, medical records, system scaling, patient privacy, price transparency, surprise medical bills and political grandstanding. Not enough time is spent figuring out how to successfully go about improving the health of the patient and putting the patient first! Ultimately, the American people are responsible for their own health and well being. This truth was driven home in the movie "The Devil We know" (Atlas films -2018, directed by Stephaine Soechtig) about the duPont Company and the chemical dangers of Teflon, etc. Patients are the only ones that can actually reduce the cost of our health care. The questions we should be asking are, "What does the American public need to do, to improve their health?" and "How do we get them to do it?"  The Trump Medicare Advantage Plan can tackle these challenges head on and answer them successfully.

If the Personalization of health care, under the Trump Medicare Advantage Plan, is going to improve the health of the American people, we first need to unite them behind a bold national goal. There is nothing more important than our health, on both a personal and national level. Our very livelihood depends upon our good health. The healthcare "BOMB" described above is real and proof positive that our health and our country are headed for a huge explosion!

We believe a Trump Medicare Advanatge program needs to re-structure medical care reimbursement to reflect what we have already learned from the CMS Innovation Centers and the ACM's work studies on paying physician and hopsitals for delivering successful value based health care using PPPM models. We must also take what we have already learned on workplace health, wellness and well being programs and incorporate it into integral wellness and well being program benefit structures, supervised by the HHS. These programs must be structured to rewards program participants with better benefits and/or lower premiums in return for improved health status. And finally, we need to free our hospitals and physicians from burdensome regulations and restrictions that prevent them from doing their best work.

  1. Make American Health Again -We believe the Trump Administration must get us united behind a national program to "Make America Healthy Again". This could be something like the Kennedy Apollo Space Program. A national goal of achieving the lowest National Health Care GDP (NHC-GDP) of any industrialized nation in the world by 2030 is just such a goal. The Kennedy program drew in expertise from every relevant resource. Going to the moon and back was no less challenging than the job of achieving the lowest NHC-GDP, but how much more personally important? In Kennedy's day only 15% of our population was overweight. In 2030 it will likely be 75% unless we do somerthing about it.
  2. Health, Wellness & Well Being Progam - We must draw on the extensive program knowledge of our employer community and develop a comprehensive Wellness & Well Being Program that incentivises Americans to do the right thing. And, the program needs to be integral to the health plans, administered by HHS and required by all the TMA health plans. The program must include edicating Americans on the right thing to do,  giving them the opportunity to do it and then rewarding them for positive results. In addition, health plans and health providers must also be rewarded like they are under the STAR program, with more money based on their ability to improve patient outcomes, improve patient health status and reduce the cost of their health care. The American people will be personally rewarded with more insurance coverage or lower premiums, not to mention their improved health status. The effect of this reduction will lower the cost of health care and health insurance for individuals and businesses and will increase our health condition, our productivity and our competitiveness as a nation in world markets. This is how we will pay for the Trump Medicare Advantage For All  planand how we will win, win win, while Making America Healthy Again.
  3. Predictive, Preventive and Personalized Medical Care (PPPM)- The practice of integrative medicine called Predictive, Preventive and Personalized Medicine (PPPM) uses advanced diagnostics  (including genomic & DNA testing and family history), targeted prevention and treatments tailored to the patients, in such a way as to deliver the most cost-effective health care. For instance, at Geisinger, in Dainesville, PA, experts on patient centric care, they use multi-disciplinary teams and treat patients in their homes, with a 40% reduction in ER and inaptient admissions. They have a "fresh food clinic" that delivers over 8,000 doctor-prescribed meals to their patients, who have had an average reduction in A1C of 2.0. If we are successful in upgrading our reimbursement incentives for physicians and hopsitals to support healthy living in a more meaningful way, we will be able to lower the cost of health care. It has been proven that the combination of the main healthy lifestyle factors -- maintaining a healthy weight, exercising regularly, following a healthy diet and not smoking are associated with as much as an eighty percent (80%) reduction in the risk of developing the most common and deadly chronic diseases. 
  4. Academic Medical Centers, MA Provider and CMS Innovation - Our renown Academic Medical Centers (AMCs) are studying new models for paying for and delivering medical care. Johns Hopkins and Dana Farber and many others are creating high-performing health care systems, establishing operational evidence for how to transform health care delivery and to train the next generation of medical practitioners to better address the needs of the patient. Humana (MA provider) is the leader in Value Based Care (VBC) for their insureds and Medicare Advantage subscribers. Their most recent report showed VBC had a 27% reduction inpatient admissions and a 14.6% reduction in ER visits, creating a 20.1% reduction in medical cost and a savings of over $3.5 Billion Dollars. The Innovation Center also plays a critical role in implementing the Quality Payment Program, which Congress created as part of the Medicare Access and CHIP Reauthorization Act of 2015. In this new program, clinicians may earn incentive payments by participating to a sufficient extent in Advanced Alternative Payment Models (APMs). In Advanced APMs clinicians accept some risk for their patients’ quality and cost outcomes and meet other standards. In this arena, our AMC's, the MA Providers and the CMS Innovation Center will be most useful to HHS in establishing the contractual arrangements necessary to implement the Trump Medicare Advantage For All program (TMA).
  5. Physician Freedom - State and Federal Laws and regulations are responsible for unnecessarily increasing the cost of health care. For instance, it is illegal for physians to participate in Medicare to direct contract for any services covered by the Medicare program. So, technically if a physician wants to  provide a comprehensive set of medical services for a global fee, even though this course of treatment may be the most effective way of addressing the illness, they are prevented from contracting directly with the patient for those services, while continuing to participate in the Medicare program. Medicare reimbursement for such services are also not allowed. Senator Rand Paul has recently introduced a bill to correct this misguided regulation. Even Senator Bernie Sanders allows this type of contracting in his proposal of Medicare for All. Generally these laws and regulations were written to support solo private practice physicians (who's numbers are declining)  and the most expensive treatments and venues. The support and insurance coverage for holistic and integrative approaches to the treament of cancer and other illnesses has been held back in the UJnited States. This has limited the ability for patients to have the full range of treatments that may be as successful and more cost expensive that traditonal medical pratices.
  6. Hospital Freedom - In some cases the practice of Immunotherapy, while being recognized as one of the most hopeful and cost effective treatments for cancer, has been illegal in some states in favor of more expensive traditonal chemotherapy. CMS has tried to increase provider competiton, with the implimentation of transparency regulations, ACO's, changes in 340 B discount program, Physician Fee Schedules, Relative Vale Units and Site-Neutral payment practices, which are being blocked by the hospitals in the courts. The challenges in the courts, to the rights of patients, should be mitigated when private contracting required of TMA carriers, which should be required for particiaption in the Trump Medicare Advanatge plans.
  7. Old Defined Benefit Health Plan - Medicare is enjoying it's 50 year anniversary. It is an antiquated collection of insurance plan policies that have gotten as complicated as the tax code. Robert Moffit, Senior Fellow at the Heritage Foundation has written volumes on the characteristics of the program and how it needs to change. In his "Reform - Medicare at 50" he writes, "....  fiscal and demographic problems that are inherent in it's outdated structure threaten seniors future access to quality care and impose massive burdens on tax payers." Extending Medicare for All, as the Democrats propose, to any American resident, under the age of 65, is a ludicrous. There are so many positive things we can do to make health insurance more affordable and contributory to improving our health.                                

MEDICARE ADVANTAGE

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 really works for everybody. The Medicare Advantage Program already enjoys broad bipartisan approval in both the House and the Senate 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 Representatives and 60 Senators in the 116th congress support Medicare Advantage.

As a nation, we have only 30 Million Americans without health insurance. We have less than 10 Million currently on Obamacare and other ACA grandfathered programs. After ten-plus years of Obamacare (ACA), the number of uninsured Americans has increased. It looks like Obamacare enrollment for 2020 is lower and if nothing changes, the Congressional Budget Office (CBO) expects Obamacare enrollment to decline steadily over the coming decade. CBO projects the number of uninsured Americans will rise from 30 Million to 35 Million by the year 2030.

The federal government has the ability the insight to fix the system. We already successfully operate health insurance systems that cover over 160 Million American citizens, including residents of legal, undocumented, and illegal status. In the second round of national debates for the Democrat candidates for President in 2020; every single candidate raised their hand supporting their willingness to provide health care to every immigrant illegally crossing the southern border. How much more should they be willing to do for us uninsured tax paying citizens?

Many of our people are happy with the Affordable Care Act; especially those that are eligible for federal subsidies. This includes the few health insurance companies that administer these program and in general, the hospitals and doctors, who have all benefited economically from more people being insured. They all LOVE Obamacare. They do not want to kill the goose that laid the golden egg. But the system isn't working!

We need new legislation. Our politicians need to focus on the political reality of this issue. Every major piece of health care legislation that has ever been signed into law has been bipartisan. in 2020 the Democrats may own the health care issue with the American people, but they do not control the Senate. Nothing is going to fix the system in the next decade if it can not pass the Senate.

President Donald Trump is saying that need to change the House of Representatives, keep the senate and re-elect him as president for a second term to get health reform passed. Without Obama, Obamacare is an albatross around the necks of the Democrats. It has unquestionably been a damaging and failed program. Nancy Pelosi and Chuck Shumer support amending the ACA, but that is only because they recognize, as Obama does, that Medicare for All is beyond realistic political consideration.

And, they think they have nothing else. See our National Policy Page for a complete explanation. Their medicare for All proposals are a testament to Obamacare's failure. The holy grail for Senators Sanders and Warren's presidential campaigns is a pipe dream. When you look at the jurisdictional counties that President Obama and President Trump won, you see rates of health insurance to be 90-95 percent. While the concept of Medicare for All is popular among largely urban coastal areas, it doesn't have the same appeal in the middle of the country. The Republicans have successfully weaponized their plans against the Democrats as a step toward socialism, which is viewed negatively by most Americans. It would be, as the President has claimed, passing those bills would evicerate of our Medicare Advantage program as we know it. And, he is right about that. Another problem is that most of the Democrats running against incumbent Republican Senators don't support Medicare for All, so even if they win their races, a majority of the senate will still not support Medicare for All.

If the plan is NOT going to pass the Senate no matter which party has control, it is a total waste of our time and attention. We need our politicians to support proposals that can actually make it into law. And, that requires 218 votes in the House and 60 votes in the Senate and the only program that has demonstrated that level of support in this Congress is Medicare Advantage.

We beleive that a Trump Medicare Advantage For All is a better way to organize our health care system to deliver affordable comprehensive health care to All Americans. The Democrat House and Senate bills on "Medicare for All" are being proposed more for political demagoguery and grandstanding, than from a sincere desire to do something to improve the health and well being of the American people.

The health of our people has never been worse shape. See our Wellness and Well Being Page for more information. Broadly speaking Democrats and Republicans agree on a lot when it comes to the health care. Both political parties:

  1. Are concerned with that need to make some serious changes to the present system.
  2. Believe that every American should have affordable access to quality health care.
  3. Agree that pre-existing health conditions should be covered.
  4. Accept the fact that in order fix the system, we have to change something.
  5. Support the preservation of Medicare programs for seniors, including the Medicare Advantage Programs.
  6. Accept that the role of the Department of Health and Human Services (HHS) as a key player and part of the solution.

At Medicare-Advantage-For-All.Com (MAA) we are True Bipartisan Americans. Health care is not a red states or blue states issue. It requires a uniquely American solution. Health care should NOT divide us as a nation. It should bring us together! To fix our dysfunctional health care system, the MAA.com Family believe:

  • all of the current legislative bills for extending the traditional Medicare for All Americans will go TOO far and cost too much!
  • modifying the ACA will NOT go far enough,
  • the highly successful Medicare Advantage Program, with it's broad bipartisan support, will be just Right!!

We have the deepest respect for all the members Congress, the numerous national organizations and the unions that have co-sponsored and endorsed Senator Bernie Sanders S. 1129 "Medicare for All" Bill and the single-payer and progressive advocates for Pramila Jayapal's H.R. 1384 Bill in the House of Representatives. However, we firmly believe there are several very important inalienable reasons why enacting these Bills will, as Warren Buffet has said, "probably make things even worse."

HOW CAN WE FIX THE PROBLEM?

We can fix the problems with a Trump Medicare Advanatge plan. We can not fix these problems by forcing the health insurance companies out of the markets, unnecessarily increasing health insurance regulations, reducing competition and illuminating health insurance options, all of which Obamacare has done over the last ten years.

Politicians can talk about Medicare for All but anyone that knows anything about the Medicare program knows that this talk needs to transform itself into positive political action. Medicare Advantage (Medicare Part C) is the most successful and popular health plan in America and therefore should be the starting point for any action. Extending it to everyone would at least NOT be a mistake. Today our health condition is so bad that any plan that is NOT designed specifically to address our deplorable health condition is a huge waste of time and money. We are going to go to the moon again anf after that we are going to go to Mars. I am sure NASA is NOT going to suggest that we re-use the old technology from Apollo 11 in this effort. If we are going to improve the health of the American people and successfully reduce the cost of health care, we must commit ourselves, as a nation to achieving the lowest National Health Care GDP of any industrialized nation on this planet. In order to do that we have to change the architecture of our health insurance plans. We need to gear this new architecture toward improving the way we interact with the health plans as insureds and the way the medical profession treatsour disease in the United States. Medicare for All will NOT do any of these important, in fact critical things, unless we have the political will to re-design Medicare with the Apollo style Medicare Advantage plan.

Health of the People: John F. Kennedy warned Americans in a Sports Illustrated article in the 1960s that we were getting soft. At that time only 15% of Americans were overweight. Now 66% of Americans are overweight. In fact, we lead the world with the highest percentage of overweight citizens in any country, followed closely by the English, who are in a close second place at 60%. Makes one think obesity might have something to do with industrial and financial power? For over the last 60 years, our government has presided over several disastrous Diet Pyramids and now, thanks to Michele Obama, we have the "Diet Plate". We have also had two sets of national exercise guidelines and a growing crisis of chronic illness in this country; presided over by the federal Department of Health and Human Services and the Agriculture Department. Our National Health Care GDP is the highest in the world and ninety percent (90%) of it is spent treating chronic illness. Most of the chronic illness is directly related to health risks which can be reduced and/or eliminated with a wellness and well being lifestyle and proper medical care.

Competition in the Marketplace: While the incidence of chronic disease is the biggest reason our health care costs have gone through the roof. To make matters worse, the Kaiser Family Foundation (KFF) found in 2017 the Affordable Care Act (ACA) restricted non-group health insurance markets in the U.S. to the point that thirty-two percent (32%) of the jurisdictional counties had only one approved health insurance carrier. Shortly thereafter the New York Times confirmed that forty-five percent (45%) of the jurisdictional counties had either One or No approved Obamacare non-group health insurance carriers. The Heritage Foundation has recently confirmed reports that a majority of over fifty-two percent (52%) of the jurisdictional counties in the United States have only a single approved ACA carrier today. And, on top of that, the 2019 federal enrollment in the ACA programs has dropped down to just 8.4 Million people. The bottom line is that the American people are not being well served by our representation in Congress nor by the Obamacare program that they created.

Our federal government has not effectively delivered affordable health care to the American people, neither under traditional Medicare nor under the Patient Protection and Affordable Care Act, even as our Congress has effectively delivered health insurance programs for themselves and some 8 Million other civil servants, which they can afford because we taxpayers are paying for it!

Obviously, we need to try something NEW. And, in so doing we should rely upon the programs that are affordable, like Medicare Advantage! Medicare Advantage is working for over 22 Million Americans and extending the program to everybody should be a no brainer and our highest national priority.

Medicare for All cannot pass the Senate: None of this political postering we see in Washington D.C. is of any consequence, because, while "EVERYBODY TALKS ABOUT LOWERING THE HIGH COST OF HEALTH CARE IN THE UNITED STATES, NOBODY TALKS ABOUT IMPROVING THE HEALTH OF THE AMERICAN PEOPLE IN THE SAME SENTENCE." The one thing that "We the American People" All know, is that "All of Our Representatives in Congress"  know that NOTHING is going to happen; because the Republicans are NOT seriously talking with the Democrats about health insurance, even tough we All know that ALL OF THE MEMBERS OF BOTH PARTIES KNOW WELL, THAT THEY CAN NOT PASS ANYTHING THAT IS NOT BIPARTISAN. So, in reality, all of this stuff that "We the American People" have to listen to on the debate stage and in the press, is just talk. That is why Medicare-Advantage-for-All.Com is here and why you are reading this web site.

THIS WEB SITE WANTS TO TEACH YOU HOW WE CAN GET  BOTH POLITICAL PARTIES TO COME TOGETHER! "Medicare for All" will fail" because, in it's present form, it can not pass the Republican-controlled Senate. How can any politician seriously consider a proposal that is purportedly to fix a potentially life and death health care situation for the America people, if the proposals they exposé are in a form that is unpalatable to the current U.S. Senate, and has no chance of actually becoming the law of the land?

Every single one of our politician must be concerned about the state of the American health condition, above all else. We know that they all know the state of health. We sent them All the Fifth Edition of the The True American in August of 2019. So we know that they either do know that facts or they should know that facts. In speaking about the state of Israel on June 4, 2019 Senator Bernie Sanders said that certain rightwing "demagogues" around the world are, " fanning hatreds instead of using their leadership positions to bring the people together around their common humanity." The fact of the matter is that he and every other member of Congress, who are sincere about wanting to find solutions to the problems with our health insurance, have to do it in a bipartisan manner. Medicare Advantage has a lot of BIPARTISAN support in Congress. Medicare-Advantage-For-All is, therefore the most realistic compromise that they can make for actually fixing our health care system today!

Capitol Building

We have to focus on the United States Capitol

S. 1129 and H.R. 1384 - BILLS to establish a Medicare-for-all-national insurance program.

Neither of these Bills would be considered Socialist if the Secretary of Health and Human Services (HHS) were an administrator and not an insurer. Both Senator Sander's (R-Vt.) and Representative Pramila Jayapal's (D-Wash.) rely on HHS to administer and insure their Medicare for All proposal.

In the Holuse and Senate leadership  do not support Senator Bernie Sanders "Medicare for All" Bill. Senator Chuck Schumer is quoted as saying, “We want more people covered, everyone covered; we want better healthcare at a lower cost. People have different views as to how to get there. Many are for Medicare for All, some are for Medicare buy-in, some are Medicare over 55, some are Medicaid buy-in, some are a public option,” Schumer added. “I’m going to support a plan that can pass, and that can provide the best, cheapest healthcare for all Americans.” We agree with Senator Chuck Schumer!

The bottom line, the Congressional Democratic leadership believes there is a role for private health insurance carriers to play and that role must be reflected in any bill that passes Congress. This is the same as the Republican view. They believe in the role of private enterprise, in both the health provider community and in the health insurer community. We are talking about 1/6th of our economy, our largest employer. The Trump Administration is also very supportive of Medicare Advantage and the functionality of the Department of Health and Human Services. If the Democrat leadership and the Republican leadership could agree to support a Bill that would be flexible on the role of private insurance carriers in order to MOVE forward the need for substantive improvement in the health and wellbeing of the American people, we might have a chance. We just might be able to get legislation that would allow the Secretary of Health and Human Services to Report back to Congress on the best way to fix the health care system in a way that both political parties can support.

Consider the considerable similarity between the major provisions of SENATOR SANDERS S. 1129 "Medicare for All" Bill below in blue and our Medicare-Advantage-For-All.Com DRAFT SENATE BILL for a Medicare Advantage for All Bill in red, both of which require the Secretary of Health and Human Services to do most of the work creating either plan:

TITLE I – S. 1129

Establishment of the Universal Medicare Program; Universal Entitlement; Enrollment

Sec. 101. - Establishment of the Universal Medicare Program

There is hereby established a national health insurance program to provide comprehensive protection against the costs of health care and health-related services, in accordance with the standards specified in, or established under, this Act.

Sec. 102. - Universal entitlement

(a) In general. -

Every individual who is a resident of the United States is entitled to benefits for health care services under this Act. The Secretary shall promulgate a rule that provides criteria for determining residency for eligibility purposes under this Act.

(b) Treatment of other individuals. -

The Secretary—

(1) may make eligible for benefits for health care services under this Act other individuals not described in subsection (a) and regulate their eligibility to ensure that every person in the United States has access to health care; and

(2) shall promulgate a rule, consistent with Federal immigration laws, to prevent an individual from traveling to the United States for the sole purpose of obtaining health care services provided under this Act.

Sec. 103. - Freedom of choice
Any individual entitled to benefits under this Act may obtain health services from any institution, agency, or individual qualified to participate under this Act.

TITLE II — Comprehensive Benefits, Including Preventive Benefits for Long-Term Care.

Sec. 201. Comprehensive benefits

(a) In General.—
Subject to the other provisions of this title and titles IV through IX, individuals enrolled for benefits under this Act are entitled to have payment made by the Secretary to an eligible provider for the following items and services if medically necessary or appropriate for the maintenance of health or for the diagnosis, treatment, or rehabilitation of a health condition:
(1) Hospital services, including inpatient and 1 outpatient hospital care, including 24-hour-a-day 2 emergency services and inpatient prescription drugs.

(2) Ambulatory patient services.

(3) Primary and preventive services, including 5 chronic disease management.

(4) Prescription drugs, medical devices, biological products, including outpatient prescription drugs, medical devices, and biological products.

(5) Mental health and substance abuse treatment services, including inpatient care.

(6) Laboratory and diagnostic services.

(7) Comprehensive reproductive, maternity, and 13 newborn care.

(8) Pediatrics.

(9) Oral health, audiology, and vision services.

(10) Short-term rehabilitative and habilitative services and devices.

(b) REVISION AND ADJUSTMENT.—The Secretary shall, on a regular basis, evaluate whether the benefits package should be improved or adjusted to promote the health of beneficiaries, account for changes in medical practice or new information from medical research, or respond to other relevant developments in health science, and shall make recommendations to Congress regarding 1 any such improvements or adjustments.

(c) COMPLEMENTARY AND INTEGRATIVE MEDICINE.—

(1) IN GENERAL. —
In carrying out subsection (b), the Secretary shall consult with the persons described in paragraph (1) with respect to—

(A) identifying specific complementary and integrative medicine practices that, on the basis of research findings or promising clinical interventions, are appropriate to include in the benefits package; and

(B) identifying barriers to the effective provision and integration of such practices into the delivery of health care, and identifying mechanisms for overcoming such barriers.

(2) CONSULTATION. —
In accordance with paragraph (1), the Secretary shall consult with
(A) the Director of the National Center for Complementary and Integrative Health;

(B) the Commissioner of Food and Drugs;

(C) institutions of higher education, private research institutes, and individual researchers with extensive experience in complementary and alternative medicine and the integration of such practices into the delivery of 1 health care;

(D) nationally recognized providers of complementary and integrative medicine; and

(E) such other officials, entities, and individuals with expertise on complementary and integrative medicine as the Secretary determines appropriate.

 

 

 

DRAFT MAA SENATE BILL

This is the first page of a draft bill that "WE THE PEOPLE" propose to the leadership of the U.S. Senate in order to form a more perfect Union. The Medicare-Advantage-For-All.Com Family firmly believes that such a bill is necessary to improve our personal health and preserve our uniquely American healthcare system that has become a burden on the American people, U.S. manufacturing and the American businesses upon which we rely for our prosperity. WE THE PEOPLE know that Congress has successfully provided health insurance for themselves and approximately 160 Million Americans for many years.

WE deserve whatever is necessary for this Congress to come together and PASS “A BILL” as follows, to create a Medicare Advantage Plan for All Americans that will improve our personal health and lower our cost of healthcare:

TITLE I — DRAFT BILL

ESTABLISHMENT OF THE MEDICARE ADVANTAGE PLAN AND ENTITLEMENT

SEC. 101. – Establishment of the Medicare Advantage for All Program
Congress hereby affirms that the health of the American people is in crisis and requires national health insurance with an integrated health and wellness program to provide comprehensive protection against the cost of health care and to lower the cost of health care in accordance with the standards specified under this Act. Due to the fact that Medicare Advantage is the most successful and popular Medicare program in the United States and already addresses most of the needs of Americans that have reached age 65, and is ably administered by the Secretary of the Department of Health and Human Services, we must immediately develop a plan to extend the Medicare Advantage Plans with an integrated health and wellness program for all residents of the United States.
By this (proposed) “ACT”, we authorize The Secretary of Health and Human Services, to within six (6) months, consult with all the relative Departments, Agencies and all parts of the federal government and all the immediately applicable interests of our private health care economic sector, to devise a plan to extend Medicare Advantage to All Americans. The Secretary is required to report back to Congress on the rules and the necessary criteria for extending the Medicare Advantage program to ALL Americans in an affordable, accessible, universal and feasible fashion. Such Report must contain a firm and reasonable proposal and time frame for implementation. The Report to Congress must be debate-ready to allow Congress to debate and act in a timely fashion, in accordance with and in recognition of all the provisions and purposes under this ACT and the Constitution of the United States of America.

SEC. 102. Universal Entitlement.

All residents in the United States who are NOT otherwise eligible for, or covered by, other health insurance will have the right to voluntarily subscribe to this program. Nothing in this Act shall be construed to require residents to buy this program.

Sec. 103. - Freedom of choice

Any individual entitled to benefits under this Act may obtain health services from any institution, agency, or individual qualified to participate under this Act.

TITLE II — Health Benefits and the Integral Health and Wellness Program.

The Secretary shall establish an integrated health and wellness Program that will effectively reduce the incidence of chronic illness in the United States to below the international average for all the other industrialized countries in the world. Implicit in this instruction is the development of a Wellness Program for the American people that goes beyond exercise and diet guidelines. Our private sector employers and health plans have all of the experience necessary to create an integrated health and wellness program that will reduce the incidence of chronic illness and improve the health and productivity of the American people. The Academic Medical Centers need to formalize what they have learned about value-based care and introduce it effectively to the medical community in guidelines, practice protocols, and medical school instruction. The Secretary must also use the premier Preventative Care Task Force to inform the protocols for a health and wellness program and the CMS Centers for Innovation to develop a bold New Paradigm of risk-based capitation reimbursement that rewards successful performance in predictive, preventative and personal medical care that assists the American people in attaining and maintaining optimal health.

 

TITLE III — Provider Participation.

TITLE IV-- Administration

Subtitle A—General Administration Provisions

SEC. 401. Administration.

(a) General duties of the Secretary.—

(1) IN GENERAL. —The Secretary shall develop policies, procedures, guidelines, and requirements to carry out this Act, including related to—

(A) eligibility for benefits;

(B) enrollment;

(C) benefits provided;

(D) provider participation standards and qualifications, as described in title III;

(E) levels of funding;

(F) methods for determining amounts of payments to providers of covered services, consistent with subtitle B;

(G) the determination of medical necessity and appropriateness with respect to coverage of certain services;

(H) planning for capital expenditures and service delivery;

(I) planning for health professional education funding;

(J) encouraging States to develop regional planning mechanisms; and

(K) any other regulations necessary to carry out the purpose of this Act.

(2) Regulations.— Regulations authorized by this Act shall be issued by the Secretary in accordance with section 553 of title 5, United States Code.

(b) Uniform reporting standards; annual report; studies.—

(1) Uniform Reporting standards. --

(A) IN GENERAL.—The Secretary shall establish uniform State reporting requirements and national standards to ensure an adequate national database containing information pertaining to health services practitioners, approved providers, the costs of facilities and practitioners providing such services, the quality of such services, the outcomes of such services, and the equity of health among population groups.

(B) REPORTS. —The Secretary shall regularly analyze information reported to it and shall define rules and procedures to allow researchers, scholars, health care providers, and others to access and analyze data for purposes consistent with quality and outcomes research, without compromising patient privacy.

SEC. 402. Consultation.

The Secretary shall consult with Federal agencies, Indian tribes, and urban Indian health organizations, and private entities, such as professional societies, national associations, nationally recognized associations of experts, medical schools and academic health centers, consumer and patient groups, and labor and business organizations in the formulation of guidelines, regulations, policy initiatives, and information gathering to ensure the broadest and most informed input in the administration of this Act. Nothing in this Act shall prevent the Secretary from adopting guidelines developed by such a private entity if, in the Secretary’s judgment, such guidelines are generally accepted as reasonable and prudent and consistent with this Act.

TITLE X-- Transition

Subtitle A- Transitional Medicare Buy-In Option and Transitional Public Option

SEC. 1899C.
(f) Treatment in relation to the Affordable Care Act
(3) Eligibility for cost-sharing subsidies. -

(B) —the Secretary shall be treated as the issuer of such plan.

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

TITLE III — Provider Participation

TITLE IV—Administration

Subtitle A—General Administration Provisions

SEC. 401. Administration.

(a) General duties of the Secretary.

(1) IN GENERAL.—The Secretary shall develop policies, procedures, guidelines, and requirements to carry out this Act, including related to—

(A) eligibility for benefits;

(B) enrollment;

(C) benefits provided;

(D) provider participation standards and qualifications, as described in title III;

(E) levels of funding;

(F) methods for determining amounts of payments to providers of covered services, consistent with subtitle B;

(G) the determination of medical necessity and appropriateness with respect to coverage of certain services;

(H) planning for capital expenditures and service delivery;

(I) planning for health professional education funding;

(J) encouraging States to develop regional planning mechanisms; and

(K) any other regulations necessary to carry out the purpose of this Act.

(2) Regulations.—Regulations authorized by this Act shall be issued by the Secretary in accordance with section 553 of title 5, United States Code.

(b) Uniform reporting standards; annual report; studies.—

(1) Uniform reporting standards. –

(A) IN GENERAL. – The Secretary shall establish uniform State reporting requirements and national standards to ensure an adequate national database containing information pertaining to health services practitioners, approved providers, the costs of facilities and practitioners providing services, the quality of such services, the outcomes of such services, and the equity of health among population groups.

End of S. 1129 quotation and the MAA Draft Senate Bill.

In a CNN interview, Bernie Sanders said, "We must expand "Medicare for All" by creating a single-payer health-care system for every American. Bernie wants to separate olur health insurance from our employment. Senator Sanders beleives that many countries have proven that a single-payer system can work and that it  is time for the U.S. to join that list." And, Pramila Jayapal essentially says the same thing. Bernie told CNN that the function of private insurance companies under his proposal would be relegated to covering cosmetic procedures and other medical procedures not covered by a comprehensive insurance plan.

Interestingly enough though, Senate Bill - S. 1129 doesn't say that.  S. 1129 pretty much leaves it up to the Secretary of Health and Human Services to figure all that out. And, that is exactly what we at MAA.Com want the Secretary of Health and Human Services to do in our Senate Draft Bill! So, we agree in principle with Senator Sanders and Representative Jayapal. We don't want Congress to fail to reform the health insurance system in the United States. It is clear in both these Democrats Medicare for All Bills and in Our Draft Bill, that the Secretary of Health and Human Services should have the responsibility to figure out the details. Bernie and Primala definitely agree with this effort but Bernie's Bill states that, "Nothing in this Act shall prevent the Secretary from adopting guidelines developed by such a private entity if, in the Secretary’s judgment, such guidelines are generally accepted as reasonable and prudent and consistent with this Act." Perhaps we don't agree on all of the details but we have the same goal. We should be able to find common ground, if our interests are sincere. All we have to do NOW is to convince the leadership of both the House and the Senate (to have the courage) to empower the Secretary to develop a firm proposal to fix the system, accepting the fact that neither political party is going to get everything that they want out of it.

The Secretary of Health and Human Services already does most all of the necessary functionary things right that make the system work right now under the current traditional Medicare program. What HHS doesn't do now is actually pay the claims, effectively contain the cost or do much to imporve the health condition of the American people.

Since 1966 the Secretary has used 30 - 50 private health insurance companies that Senator Sanders would like to push to the sidelines, to actually pay all of the Medicare claims. Of course, it doesn't make any sense for us to build a new bureaucracy to accomplish what we are already doing. And these insurance companies do their jobs very efficiently and for a very reasonable and low administrative fees. Tha paradox is that Bernie and Pramila are asking us to accept that idea that their "Medicare for All" Bills are going to improve the dysfunctional health care system by doing essentially the same things that we are doing now! They are not really proposing to do anything diferently from our perspective. They just want to do essentially what we are doing now, for more people and without the help of the health insurance industry that are doing a lot of the work. So, again, we don't think this idea will fix the problems. Medicare for All doesn't make any sense to us.

REALITY CHECK

Democrats and Republicans agree that every resident deserves the security of knowing that when they get sick, they can get the professional help they need to get well again. Americans want direct and immediate access to the "best" health and the "best" health care in the world! In our Constitution, we granted government the right to promote our general welfare by which we obtain our liberty. This liberty includes the ability for All Americans to get decent health insurance, if they want it.

An Associated Press April 2019 poll shows that Democrats enjoyed a strong edge on the issue of healthcare, with 40% of voters trusted them on the issue vs. only 23% trusting Republicans. These are the same voters that elected a democratic majority in the House of Representatives in 2018.

Healthcare is the key to winning elections in 2020 and Trump Medicare Advantage For All (MAA) should be the catalyst that addresses the increased death rates and the high health cost covered below. The current democrat proposals are too expensive, don't do enough to address the issues that are critically important to the American people and will never pass a Republican controlled Senate.

Congress has comprehensive cost-effective health insurance coverage for all of its members and 8 Million civil servants and roughly 160 Million other American citizens. President Obama particiapted in their plan and never had Obamacare.

To quote from Part One of the RSC Health Care Plan document, "America's health care system has suffered from serious problems for decades. The antiquated laws that predated the Patient Protection and Affordability Care Act of 2010 (also known as "Obamacare" of the "ACA" needed revision, but the ACA has made the situation worse by dramatically increasing costs and reducing both the quality of care and the number of available choices in the health care market. This is a crisis for many Americans that grows with each passing day as more and more patients lose their preferred doctors, or are forced to forgo coverage entirely due to the enormous costs. The current trajectory in unsustainable."

The failure of Obamacare, which has brought forth the Democrts "Medicare 4 all" concepts, requiring even more governement intervention. Republicans have recovered somewhat from their failure to repeal Obamacare with the House Study Committee's new framework for health plans like Medicare-Advantage-For All, which we can cover more people.

Nothing is more important than our health. Making health care a red state or a blue state issue divides us at a time when our need for an improved health status is greater than it ever has been. Warren Buffet believes that  the employers in United States can't successfully compete in world markets (against China, Japan, the EU, and other developed nations) if we don't reduce our National Health Care GDP to an internationally competitive level. Seventy-One percent (71%) of the American people are concerned about  the number of people without health insurance. Obamacare tried to fix that problem but instead, it increased our cost of health care and made the whole system less competitive and less affordable. Now the ACA covers just 8.4 Million federally enrolled residents. Enrollment has declined three years running and the progressive democrats pushing us to socialize the whole system, which Buffet suggested will probably make things worse.

The elephant in the room is our poor health. You look at the numbers (below) and everyone can see that even though we spend way more than any other country on earth, we simultaneolusly suffer from the worst health of any nation on the planet. The biggest challenge we face is to improve our general health. It may be a surprise to know that we are in deplorable health, and that this is the root cause of our high cost of our health care. Furthermore, this high cost is underling reason we have 30 Million uninsured Americans who cannot afford health insurance. And, nobody is talking about it, so it is high-time for us to talk about it!

At Medicare-Advantage-For-All.Com we know that modifying the ACA will NOT go far enough, and the current ideas for extending "Medicare for All" will go too far! But, our Medicare-Advantage-Plan-For-All (MAA) will be just Right!

Merrill Goozner, Editor Emeritus of Modern Healthcare magazine says that the health insurance industry's counter to "Medicare for All" is Medicare Advantage. The progressive Democrats are pushing several forms of Medicare 4 all, but none of them address the problems of affordability and quality that we have in the system. The House Republicans have recently come out with a framework for personalized affordable health care which addresses the tax and equity issues, but does not address the implication of our poor health status. And, the White House is about to release a plan that we hope will harmonize these disparities.

It is clear that We the People have a lot of work to do to get our politicians to get the system right. Meanwhile, we are voting with our feet. 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 it's 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. Our politicans are involved in an industry wide cover up. Our elected officials on both sides of the aisle need to accept our uniquely American health care system and pass the legislation that will give All Americans the "better" health and the "better" health insurance that we deserve!

We are asking YOU to help us! Working together we can get our Congress to create a Medicare Advantage for All program that will improve our health, reduce the high cost of health care and the high cost of health insurance. We believe this is the last and most colorful piece of our True American healthcare system mosaic that should become the burning desire of both our political parties to complete.

Join us. Help us continue our work. Democracy is a contact-sport and without you, we can NOT win in Washington D.C. but with you we can be build the voice that gets us the "Better" health and the "Better" health insurance that we deserve. Remember, as a person and as a nation, there is nothing more important than our Health!

 

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THE BEST BI-PARTISAN ANSWER TO REPEAL AND REPLACE OBAMACARE

This is the Handbook for A Program that Works that was delivered to most of the congressional representatives and leadership sitting on the same Committees in 2017 that considered the ACA legislation in 2009.

The Best Bi-Partisan Answer PDF

MEDICARE C – THE ADVANTAGE REPLACEMENT OF OBAMACARE

This was the white paper introducing the idea of Medicare Advantage as a replacement for Obamacare that was mailed to every member of Congress in April 2017.

MEDICARE C – THE ADVANTAGED REPLACEMENT OF OBAMACARE.PDF

MEDICARE 50 REFORM - ROBERT MOFFIT

Robert Moffit, Senior Fellow at the Heritage Foundation writes extensively on many topics related to Health Reform, Medicare in particular. He beleives that seniors will be better served by a reformed Medicare. He has come up with a two stage reform process which seeks to make more market oriented. He has some definite ideas on how Congress should bring the Medicare program into the Twenty-first Century. Anyone, who think "Medicare for All" has any merit should have at least a familiarity with his work on the subject.

https://www.heritage.org/health-care-reform/report/medicare-50-reform-will-better-serve-seniors-health-care-needs

WHY CONSUMERS DON’T GAIN MUCH FROM MEDICARE ADVANTAGE

This study was designed to justify the reduction in federal funding for Medicare Advantage Programs in order to help finance the Affordable Care Act. The study verifies that increasing Government funding to the MA program effectively increased market competition and increased enrollment, both of which declined despite significant funding increases under the ACA. In addition, despite increased funding, the non-medical quality measures that they used, did not go up. As with any such program, proper structure, sufficient financing, and effective management will make it do whatever it is designed to do. Our take away from this study is that the quality of medical care is what’s important and with a re-engineering and better management, an MA program that will offer the financial security that All Americans desire.

Duggan M. Why Consumers Don’t Gain Much from Medicare Advantage. Wharton. 2014.
http://knowledge.wharton.upenn.edu/article/medicare-advantage-offer-much-advantage/

THE TIME HAS COME TODAY

This is a summary of where we are coming from and where we are going. It is a plea to join our social movement and contact your congressional representative at 1-202-224-3141 to express your interest on Medicare Part C - Medicare-Advantage-For-All.

http://000mn0z.myregisteredwp.com/wp-content/uploads/sites/8670/2019/07/Time-Has-Come-Today-07.08.19-PDF.pdf

Contact Medicare Advantage For All Consultants to support a practical solution to America’s health care crisis. Our goal is to achieve affordable, comprehensive Medicare coverage for citizens nationwide.