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Coming Together to Support Medicare Advantage for All Americans

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WHAT ARE THE ADVANTAGES OF MEDICARE-ADVANTAGE-FOR-ALL

We are striving to make the United States the first successful industrialized nation to develop a private sector health care market that is capable of offering All Americans the tremendous benefits of well-paying employment, cutting-edge technology, breakthrough pharmacology and the most advanced capability to treat illness and preserve health that the world has ever known. This is not all about being able to afford health insurance. This is about continuing the development of an industry that represents the best skills in the treatment of illness and injury and to do it in such a way as to enable us to offer these services to All Americans and to as many people as possible throughout the whole world. We are not just talking about those people who come to the United States for treatment and training.

We are the light of the world when it comes to medical care. Olivier Brandicourt, CEO of Sanofi, the largest biotech firm in Boston, headquartered in Paris, France, recently participated in a symposium. He feels strongly that this the most exciting time in the history of medicine. The combination of biology, technology, and our research in DNA and the human Genome have an unprecedented potential to reduce illness and the cost of health care treatments. Good examples of this are the treatments developed for HIV and Hepatitis and the quantum leaps we have made in lowering the cost of treating these illnesses and improving the patient’s quality of life! Can you imagine what the treatment of HIV/Aids or Ebola virus in Africa would be without the vaccines developed in the United States?

Our Academic Medical Centers are pioneering the best treatments practices for managing the high risk and high-cost patients that account for 80% of the health care system costs overall. They are working with new total patient treatment models that are shaping a new Paradigm of health care delivery for the very first time in the twentieth century. This type of innovation is saving lives and money here in the United States and it is improving health care delivery all around the world.

Most other countries are riding on our successes. While this may not be fair, what we all need to appreciate is that what we are able to accomplish in the United States is benefiting the health and well being of all the other nations of the world. While as an American, you may say, "I didn't sign up for that." You need to accept the fact that we benefit from this development too. And, we are capable of making these innovations in the medical treatment of illness available and affordable for All Americans.

We are the innovators! Our innovations in the medical field are happening here because we have a dynamic privately funded health care system that pays for it. Our system fuels innovation in pharmaceuticals, and medicine. The United States is the world leader, producing more than half of the world’s new medicines over the last decade. Today, 12 of the top 20 medical device companies are headquartered in the United States. In 2017, U.S. companies had more than 3,000 new pharmaceutical products in development. The percentage of all NCE’s (New Chemical Entities) that originated from U.S.-based companies rose from about 31 percent in the ‘70s and ‘80s to 42 percent in the ‘90s to 57 percent in the 2000s. This superior medical innovation not only creates life-saving drugs, but it boosts our economy. The biomedical industry employs more than four (4) millions U.S. citizens and contributed $917 billion to the U.S. economy in 2009. The total new investment capital amounted to 48.3 Billion Dollars in 2014 alone. The cost of developing each new drug now exceeds $1.3 billion and takes an average of 12 years, and only a small percentage of new molecular entities ever reach the market.

Many people believe that the high cost of prescription drugs is largely inflated by pharmaceutical advertising and price gouging. Some believe they have a high cost of medical care in the United States is because we have a bunch of greedy health care providers sucking the lifeblood out of us. It usually follows that if you believe that, you also point to the fact that the United States is NOT at the top of the charts when it comes to many health status measurements collected by the World Bank and others. These arguments are used to justify the call for a Government takes over of health care, single-payer, universal coverage, whatever? The assumption is that WE ARE DOING SOMETHING VERY WRONG! The Good News is, we believe we do not have it ALL Wrong. When you consider that medical professionals come from all over the world to be trained here, that our medical models for health care delivery are duplicated throughout the world, we are actually exporting health and well being to the rest of the world. Only then can you Truly appreciate how large an important our health care system really is! And, how small our thinking is when we myopically focus on the problems and the weaknesses of our system, rather than the solutions! We are the Light of the World when it comes to health care. We are an industry leader. We do not have to nationalize our health care system to respond to the desperation of political will. We must muster the courage to make more of an investment in the health and well being of the American people and continue to show the rest of the world how it should be done.

Coming Together to Support Medicare-Advantage-For-All fix is one way to fix what is broken and NOT throw the Baby Out with the Bath Water. A properly designed Medicare-Advantage-For-All Americans will showcase our unique public-private partnership and it can deliver a True American Health Care system capable of achieving affordable and accessible for every American citizen. We will demonstrate to all the nations and to all the peoples of the world how best to maintain the health and well-being of all our citizens, by not repeating the missteps and mistakes that other countries may have made, but by building a health care system that they will continue to be their envy the world-over.

“SUMMARY OF MEDICARE ADVANTAGE FOR ALL AMERICANS”

  • Medicare Advantage for All Americans and the Affordable Care Act (Obamacare) are OK together. Obamacare may peacefully co-exist with Medicare Advantage for All Americans. There is No need to repeal or replace Obamacare. Americans should have the right to choose which plan that is best for them.
  • Medicare Advantage for All will be designed to attract young and middle-aged Americans, the 8.4 Million ACA participants, those who are currently covered by Medicaid, students, low wage workers, the disabled, unemployed and all the people who comprise the 30 Million uninsured Americans, who are willing to buy affordable health insurance.
  • Medicare Advantage for All will cost less per person than Obamacare and fee-for-service Medicare. Consequently, the taxpayers, the federal government and program participants will all benefit from lower cost health insurance.
  • The program will be underwritten, insured and administered with risk-based capitation reimbursements to competing for health plans that will work together with integrated networks of providers that have a proven track record for effectively delivering insurance Programs that Really Work for the American people.
  • Medicare Advantage for All Americans will incorporate Jim DeMint’s Conservative Principles for Health Reform
  • The rating of Medicare Advantage for All Americans will require the cohesive use of the collective buying power of the federal government to effectively contain, control and reduce health care and Rx costs nationwide. See The True American Page.
  • Medicare Advantage for All Americans will know No state boundaries, even as they will be subject to State insurance regulations. Multiple managed care plans will offer relatively uniform programs under the direction of CMS in all states and municipalities and compete effectively with ERISA approved short term, association and other group insurance plans.
  • The carriers for Medicare Advantage for All will be required to have wellness programs with a dedicated and coordinated focus on improving the physical and mental health and well-being of the American people and increasing their productivity in the workplace and the community. These programs will be designed and monitored by HHS’s Preventative Care Task Force which has been developing standards of care for the last thirty-five (35) years.
  • Medicare Advantage for All Americans will be required to offer a special program for the growing number of low-wage workers in the United States. These programs will effectively integrate the primary care offered by our national Community Health Centers Network and Rural Health care providers with tertiary care for this under-served population. Any jurisdictional county that is not served by a well-organized health plan offering this program will have a Medicare Part C Fee for Service Plan option available. See the Benefits Page.
  • Medicare Advantage for All Americans will correspond to and coordinate with constructive Medicaid work rules and Medicaid expansion plans and make it easier for people to get off the Medicaid rolls. The goal will be for the United States to achieve near 100% participation of All the citizens that want to be insured in this True American Way and are willing to buy affordable health insurance.
  • Medicare Advantage for All Americans will allow maximum use of Health Savings Accounts and provide tax credits and premium subsidies to those Americans, who are least able to afford health insurance due to their incomes. Sliding scale premiums based on income will be charged for the optional program choices, the same way they are now for the ACA and traditional Medicare.
  • Congress will fund Medicare Advantage Plans for All Americans with their across-the-board re-structuring of the Medicare Trust Funds. All arbitrary ACA taxes on certain businesses or certain taxpayers must be repealed, including the Cadillac taxes, investment income taxes, health insurance taxes, and medical device taxes which only hit select businesses and American households. President Obama described ACA as a deliberate wealth transfer. MAA is a deliberate Health Insurance Reform for all Americans and the cost will be fairly distributed to each according to their use of the program.

Man and woman at Lincoln memorialBernie Sanders is campaigning to give everyone “Traditional Medicare for All”. His S. 1129, has 14 co-sponsors in the Senate. Last year's S. 1804 Bill proposed having the "Secretary" (Health and Human Services) be the insurer and handle all the details.  The companion Conyers / Jayapal House Bills are all for creating a Big Governement insurance company. At Medcare-Advantage-For-All, we liked Bernie's idea so much, we developed our own Draft Senate Bill asking the Secretary of Health and Human Services to use the resources of his Department to come up with a program and report back to Congress on it, so that it can be debated and acted on in a timely fashion. Hillary Clinton criticized Bernie’s proposal as being unrealistic, perhaps because it offers an idea that goes beyond that which she believed was realistic in her 2016 presidential bid. Elizabeth Warren has been a strong proponent of the federal regulation required by Obamacare and she has urged Democrat candidates to promote health care in their campaigns nationwide. She has introduced a Senate bill called the Consumer Health Insurance Protection Act, fondly referred to as ACA 2.0/. Most of the new Democrats elected in the midterm elections used health care as a winning issue for the 116th Congress. Bernie’s proposal for extending Medicare for All is soundly criticized by Republicans as being too expensive. Republicans believe his proposal will cost the nation $32.6 Trillion Dollars over the first ten years, and they are probably right. Since our national debt is now only 20.7 Trillion dollars, the idea of doubling the national debt is NOT going to happen while Republicans control the Senate and the White House.

Medicare Part C – Medicare Advantage has broad bipartisan support in Congress. The current program appeals to both sides of the aisle for good reasons. It extends Medicare Advantage coverage eligibility to persons over the age of 65 without any pre-existing condition exclusions and in most cases without the need to pay any premiums out of pocket. It is a proper insurance plan in the traditional sense, in that the insurance carriers take the risk. it will give us an opportunity to adopt an integral health and wellness program that will save trillions of dollars and put our economy on solid grounds with the other industrialized nations of the world.

If we are successful in getting Medicare Advantage plans re-engineered and extended to All Americans, it would NOT require market stabilization funds and the 3R Risk abatement programs and the CSR payments. Medicare-Advantage-For-All (MAA) eliminates the need for special federal and state funding to support the marketplace exchanges. It would continue to use capitation financing (which is the very basis of the Republicans previously proposed Medicaid reforms). It would NOT require insurance carriers to raise their rates in order to expand services under the inflationary 80 - 85 Percent Loss Ratio requirements. Carriers will have the benefit of competition in providing benefits to the American people. Health insurers are NOT the villain's everybody makes them out to be. They are like every other American business. They work best when they have competition but when the government steps in to regulate and direct their business operations and carve out monopolistic market practices the American people lose every time. The ACA is a perfect example of this phenomenon.

Most important to our efforts, the MAA financing can be structured to make the program affordable to at least 80% of the uninsured population and any interested ACA participants, Some American citizens will never want or need such a program. Evidence suggests that even at zero dollar ($0.) premium; 10% to 20% of the uninsured would prefer NOT to sign up for a health plan. A Harvard University study of mature Massachusetts low-income health insurance programs showed a significant degree of resistance to signing up, even with generous premium subsidies. They found that subsidies worth 75% of the premium, would attract less than 50% of those low-income eligibles. And, even if the subsidy was 90%, at least twenty percent (20%) of those eligible would choose to remain uninsured. In a Kaiser Family Foundation (KFF) study in 2016, twenty-seven percent (27%) did not sign up for a free Medicaid program. Another KFF study in 2017 found that seventy percent (70%) of uninsured people that were able to purchase an ACA Bronze plan at zero premium, or less than the cost of the individual mandate tax penalty, chose to remain uninsured. Further studies are needed to identify the various reasons for this, but it is clear that low-income adults have become strongly accustomed to being without health insurance and are OK with that. In the Medicare Advantage For All system, these are the folks that will be covered by provider free care obligations and uncompensated care pools.

When we extend MAA to everyone, one thing is FOR SURE, Medicare-Advantage-For-All (MAA) will cost a lot less than ACA. In 2015, if we had just purchased for all the ACA participants high-quality health insurance and paid all the premiums, we would have saved well over 60 Billion Dollars. Current Medicare Advantage plans cost less than the ACA plans, and if we re-engineer MAA properly, we will be saving lots of money on an MAA option for under age 65 participants. In addition, we would eliminate the need for selective taxes by establishing a more equitable and American funding base.

Hands stacked

The United States has made great strides toward the goal of making affordable health insurance available to everybody, but our current Congressional efforts are detracting from this progress. ACA did not do the job. It did not attract the majority of the uninsured. It turned into a small give-away program for a lot of people with serious health risks. We do need to help these Americans, but we need to do a much better job of it. In 2018, the Congressional Budget Office (CBO) confirmed that ALL of the House and Senate Republican Obamacare Repeal bills would NOT have done a good job either. Medicare Part C, which has been successful for twenty (20) years now WILL DO what both political Parties are striving to achieve. It is A Program That Really Works! We must lift the yoke of ACA slavery on the shoulders of our taxpayers and liberate those Americans that deserve high-quality health insurance but are not able to afford it.

As a Supporter, you will be helping our efforts to convince the 116th Congress to put aside their partisan politics and take up the care of the health and well-being of “We the People” (to whom they represent), if the United States is going to be a successful beacon of freedom and democracy around the World. We the People do not have to accept the defeat of socialized medicine. We must successfully convince the Democrats and the Republicans that Medicare Part C is the “Best Answer to Repeal and Replace Obamacare”. We will ask the key members of the 116th Congress in both political Parties and their staff for their Support, to read this website and our proposals and the more detailed “The Best Bi-Partisan Answer to Repeal and Replace Obamacare” which was hand-delivered to many in 2017. We hope you become a Supporter of our effort.

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.