medicare advantage for all

Executive Summary

KEY AREAS OF FOCUS:

National Policy

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Finance TMA

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Trump Medicare

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Our Wellness

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True American

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Support Us

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ABSTRACT:

Medicare Advantage is the most popular health plan in the United States. Using it as a template for All Americans can lower our National Healthcare GDP (NHC-GDP) conservatively by $1.3 Trillion Dollars to 12% of the total GDP by reducing or eliminating more than half of our chronic illness. A successful program of this kind will be a catalyst for much greater savings in the total national health care expenditure. "The Program That Works" and the "True American" Pages here on this website describe our proposed plan and the other Key Areas of Focus in the Directory above will give you the background on how we got into this mess, how our proposed Medicare-Advantage-For-All plan can save all this money and why this is so important.

To fix the health care system in the United States has enormous political value right now. The political party and the politicians that suggest the right solution to the health care systems problems and dysfunctions will get the postive attention of all voters, particularly suburban woman voters, who have demonstrated concern over the cost of their health care and the number of Americans without health insurance.

We have to do more than reduce the cost and improve the quality of healthcare. We must dramatically improve the health of the American people. That is going to require the transformation of our health insurance and the way in which we deliver medical care to our people. Our Health is the most important thing in our lives. Our Healthcare is one of the most complex areas of human endeavor and our politicians proposing simplistic one size fits all solutions are disingenuous with the American people.

KEY AREAS OF FOCUS:
Trump Medicare Advanatge - This is the most important Page that uncovers the "Health Care BOMB" and how the Trump Medicare Advantage for All Plan will defuse it!

True American - This Page details the program we need in the United States. 

Our Wellness - This Page is the key how we reduce the high cost of health care, and how we are going to pay for it!

National Policy - This Page summarizes national health policy and some recent history.

Finance - This Page describes the many ways the Trump Medicare Advantage can save money.

Support Us - This Page covers tells you how to join us to promote the benefits of a Trump Medicare Advantage Plan  ."

Our current Medicare Advantage is a successful health insurance brand and an ideal model for any new national and state run health insurance program sponsored by the federal government. Twenty years ago this program was conceived of by the private sector, brought into being with bipartisan support in the Congress, further defined and directed by HHS and works well with health care providers nationally. It is administered by competing health insurance carriers. It is the most popular health insurance program in the United States. It is a consumer driven, with almost 23 Million American seniors enrolled. These seniors are the ultimate drivers of the program and without their support, the program would fail.

Medicare Advantage is American. It is not modeled after some socialist idea of a national health service. It was created and operates in a true American way. We Americans believe in our right to choose. Our freedom comes from having a balance of countervailing powers in our governement system, which protect us from tyranny. This is especially true for our health care. Our health care system is delivered by some of the most powerful companies on earth. Our health care industry is the sixth largest employer in the United States. It costs us Trillions of Dollars annually. We Americans do not trust our government to have sole responsibility for our health care. We certainly can not trust the health care providers, whom we ultimately pay for the service. And, there is no way we are going to trust our health insurance companies to have complete control. In fact, the only people we can trust is ourselves, as the consumers of health care.

We are ultimately responsible for our own health. This is why we must increase our ability control over our health care and stay in the drivers seat as the decision makers. We must be able to be responsible health care consumers and choose among competing plans for our health insurance. We need to know how much things are going to cost and be able to lower the cost by improving our own health and/or changing our health insurance plan. Our Medicare-Advantage-For-All program will insure that We the People stay in control of our health care.

Progressive Democrat politicians are promoting the popular traditional Medicare program as an answer to all our problems. The problem is Medicare is too expensive. It is going to be bankrupt in 2026. it is NOT the way to provide affordable health care for all Americans. Currently over 90% of our population are covered by health insurance. The immediate public challenge is to take care of the other 10% by making our health care more affordable and therefore more accessible. The propaganda for accomplishing this challenge by forcing everybody into the Medicare program is impossible.

The current traditional Medicare program is over fifty years old. It was started as a program to pay for basic health services for a relatively small elderly population. Over time it has evolved into an agglomeration of health insurance payment policies that threatens not only the health and well being of our seniors, but their access to quality health care overall. In addition, the senior population has grown to the degree that Medicare can no longer be supported by the payroll taxes of working Americans. And, the bloated expense of the current program presents a particularly massive future tax burden on the American people. Senator Elizabeth Warren estimates her Medicare for all plan would cost in excess of $50 Trillion Dollars over the next ten years. The Medicare Trust Fund will be bankrupt in 2026. Extending this program to all Americans is simply not a feasible solution to our pressing health care problems.

Our most recent attempt to fix these problems was by passing the Patient Protection and Affordable care Act of 2010 (also known as Obamacare). This Act in many ways made the problems worse. It dramatically increased costs and reduced both the quality and the number of approved health insurance carriers in marketplace. Obamacare has been the most expensive health insurance program on planet. Now, we have an opportunity to learn from our mistakes and improve upon those things that are currently working to the betterment of the American people. We can solve the nagging problems we have with cost, quality and accessibility, by advancing the popular successful Medicare Advantage brand. Tweeking Obamacare will not work. As Trump says, "Obamacare is a disaster."

The Trump Medicare Advantage plan is not an extension of the current Medicare Advantage program for seniors. The current Medicare advanatge plan is our model. The plan design will deliver a new Medicare Advantage For All Program that will attract everybody under age 65. If it is done right, the program will facilitate an improvement in their wellness and well being. It will change the pattern of medical care delivery and dramatically lower health care cost while improving health care quality for all Americans. It will also serve as a much needed catalyst for improvements in delivery of value medical care in the United States.

The Trump Plan - What we have to do is nothing short of revolutionary. First, we have to re-package Medicare Advantage into Bronze, Silver, Gold and Platinum options with a scope of benefits that is necessary to support the physical and financial health and security of every American and at the same time improve their health and wellness. Americans like clear choices and they don't like the cost of non-essential benefits. The structure of these basic benefit packages will allow for riders so consumers can customize the programs to their specifications. However, all plans will be required to have an integral value based Wellness and Well Being program designed to facilitate improved health. These programs will be supervised by the Department of Health and Human Services. Ultimately, the plans will allow for greater benefits and/or lower premiums in return for the achievement of a higher health status. So, if you reduce your health risk, you will get an immediate reward. Every participant will have an incentive to exercise personal responsibility for improving their health status and the ability to lower their cost of their health insurance premiums.

Secondly, because medicine is undergoing a paradigm shift from diagnosis and treatment to prediction and prevention, the interior financial architecture of the health insurance contract will have to change. Starting with the current capitation model of Medicare Advantage Plans, all financial arrangements will be required to support the Predictive, Preventive, Personal Medical Care Model (PPPM) that focuses on value based outcomes. Financial incentives will in some cases need to be reversed. Medicare Advantage has been around for decades. It runs on capitation reimbursement from the government. This not only keeps the liability for the insureds off the government's books, it places that liability and risk squarely on the shoulders of the provider or the insurance companies, where it belongs. The incentives is for them to take the risk and manage it for less money than the capitation. The logical way for them to do that is to lower the cost of care. Since there is a point beyond which that is not possible, the remaining way to produce a profit is to lower the volume. To do that, without inconveniencing the customers, they have to reduce the customers need for services, i.e. produce "better" health among their customers. The same is true for the medical professional being paid by the provider or insurance company. Minimum loss ratios and administrative expenses are still factors but the incentive are to reduce them both.

Humana recently released their annual Value Based Care (VBC) Report. Humana Medicare Advanatge (MA) members in VBC arrangements had 27% fewer hospital admissions (131,200) and 14.6% fewer Emergency Room visits (110,700) when compared with patients in traditonal Medicare. In their VBC arrangements, prevention screenings, improved medication adherence and effective patient management created a 20.1% reduction in medical costs, amounting to $3.5 Billion Dollars of avoided medical expenses that would have been incurred had the patients had been enrolled in traditonal Medicare.

The medical profession is like an oceanliner. The captain can turn the wheel but it takes a long time for the ship changes direction. Ninety percent of our annual health care expenditure is for chronic illness. All chronic illness disorders develop gradually over a period of time. It takes years for most chronic illnesses to reach a level where they can be definitively diagnosed and corrective treatment initiated. We need to create the incentive for a fundamental new strategy to detect and prevent disease long before it clinically manifests itself. The Centers for Medicare & Medicaid Services (CMS) readily acknowledge that compensating physicians for quality instead of quantity can be a game-changer in improving population health and providing financial stability. To further this transition, CMS is launching new direct-contracting pay models in 2020 that will provide opportunities for the 22.6 Million MA and an additonal 25% (9.3 Million) of the people covered by traditonal Medicare.

PPPM is a new system of medical care that is gaining popularity in Europe and Asia. Any financial incentives associated with volumes, clinical settings and intensity will need to be re-focused toward producing quality outcomes and improved lifestyles in the way Humana has demonstrated is possible. The government, medical providers and insurance companies will be paid and rewarded with capitation and value based arrangements for healthy outcomes. To the extent possible, "better" outcomes will produce lower costs, which in turn will produce the more money for the providers and insurance companies and healthier customers. The payment models will reemphasize the importance of the focus on early detection and targeted prevention in nutrition, behavior and physical activity and the aversion of conditions like diabetes mellitus, hypertension, kidney disease, COPD, cardiovascular illness, cancer, obesity and sleep disorders. There is also an important pharmacological aspect to PPPM care. Reimbursements will be structured to encourage insurer and provider risk taking, the lowest cost delivery and the highest quality outcomes.

Finally, it should be mentioned that in order for a new insurance plan design like this to succeed, we need an Apollo Space Program like approach and commitment to focus our national attention on the need to improve our health. the CDC declares almost zero progress in mortality, wholesale deterioration of our health condition by almost every measure and rapidly increasing rates of chronic illness. Concomitant with these conditions we have the cost of health care and health insurance reaching unaffordable levels, which is causing the Democrats to seek sweeping government solutions. Millions of Americans are unable to afford health insurance and there is real risk of damage to the access and quality of care that our elderly and working men and woman expect. In short, we need to declare an emergency, prepare and equip the insurance industry to handle the emergency and enlist the support of the American people to reduce their risk of illness.

We suggest that the President of the United States challenge the American people to reduce the nations health care GDP because it is in our vital to national interest. We believe, as he does, that the American people can do anything we set our minds to do. In this case, We the People should reduce our national health care GDP to lowest level of all the industrialized nations of the world by 2030. This will avoid the health care bomb we have been afraid is set to go off. This is just as important to our survival and dominance on the world stage as our ability to put a person on Mars. And, one of the best things about this challenge is that it actually doesn't cost us anything, because we will save more money than the cost of this program. That has to be an acceptable and politically advantageous reason to declare that we have the ability to "Make American Healthy Again".

Trump Medicare Advantage Plan - Ultimately we want to transform our new Medicare Advantage into a Trump Apollo Medicare Advantage plan that will reduce our NHC-GDP to the lowest level of any developed nation in the world. Medicare is an old Defined Benefit health plan that is too expensive, encourages extraordinary spending and needs to be modernized.  It is likely Obamacare will be declared unconstitutional in 2020 and the Medicare Trust will be bankrupt by 2026. It is a good time to modernize Medicare and to lower the cost of health care in the United States by developing a new Apollo Medicare Advantage plan that will improve the health and well being of the American people under age 65.

We know this can be done. We have the resources to do it. If we lack anything, it is the political cohesion to make it happen. But one thing is for sure, to fix the system for every American under Age 65, there is NO need to scrap the existing Medicare Advantage program and Medicare as we know it should be grandfathered for all those citizens who pad into it. For those people who don't have health insurance, we must design a new progressive Defined Contribution Apollo Medicare Advantage plans that will boldly change the way in which we finance and deliver health care for the working people of our country.

Nothing is more important to our nation than our health. Personally, professionally and as a nation we can not do anything without our health. In today's world, we can not afford to just be in OK with our health. We need to have exceptional health. We have to have the best health in the world. We have to be in better shape than every other nation on the earth. We can achieve this goal for everyone. It is within our reach. We know how to do this. We are capable of getting there. But, in order to get there, we must first convince our elected officials to accept our uniquely American healthcare system and give us the "better" health and the "better" health insurance that we deserve! Offering our popular Medicare Advantage plans to everyone under the age of 65 will get us to first base. Creating the Apollo Medicare Advantage Plan for All will be the home run.

We should look at the bankruptcy of Medicare Trust Fund is an opportunity. Currently we spend more than any other nation on health care and we have the highest incidence of chronic illness and the highest percentage of people overweight of any industrialized nation national in the world. Diabetes is the seventh leading cause of death and prevalence of the disease has increased from 10% in 2000 to 15% in 2016. The cost of our health care land the prevalence of  illness are directly related. It should be no surprise that our health care expenditure is so high because we obviously require more health care services to treat our disease. We can fix both of these problems in two stages. First by authorizing the Secretary of Health and Human Services to come up with a plan to offer Medicare Advantage plans with an integral Wellness and Well Being component to everybody under age 65. The second stage is to create a progressive New innovative Apollo Medicare Advantage Plan For All with a built-in risk/reward system that allows every American the opportunity to choose a health plan that caters to their individual health.

Apollo will restructure health insurance by incorporating the wellness and well being component into tangible benefits that can be achieved by the person insured. These benefits will include the ability to have higher coverage levels, more services and lower premiums. Such a program will not only cover the 10% of the uninsured U.S. population with a more affordable health insurance and but also reduce our total health care expenditures and finance a transformative cost-effective New Paradigm (PPPM) in health care delivery that will reduce or eliminate lifestyle-related chronic illness.

 

Arthur J. Wheeler, CHC in Front of the Emergency Room

Arthur J. Wheeler, CHC in Front of the Emergency Room

In the United States, we have a health insurance EMERGENCY CRISIS. We are alarmed to have over 30 Million fellow Americans living and working in our country that do not have and cannot afford health insurance. Most of them want it. They can't get it because it is too expensive. The reason it is too expensive is NOT the greed of the insurance industry or malfeasance of our medical community. The primary reason they can't get it, is the high cost of healthcare and that is because we are in such bad health.

TRUMP MEDICARE ADVANTAGE FOR ALL:

The Apollo Medicare Advantage Plan for All will be a Defined Contribution Health Plan. What you put into this health plan will be directly related to what you get out of it. If you participate in your health plan and take an active role in improving your lifestyle; the lower the premiums you will pay. Developing this Apollo plan will take all of the knowledge, skills and resources that we have, the way we did with the Apollo Space Program. Our national goal for this Apollo program is to have the lowest National Health Care GDP (NHC-GDP) of any developed nation in the world. Right now we have the highest NHC-GDP in the world. We The People of the United States are capable of reducing the incidence of chronic illness, producing quality outcomes and the increasing the risk/reward reimbursement practices that will perpetuate this program. It will be the most successful and uniquely American health care system that the world has ever known. We can possess the best health on the planet. We have to stop our suffering from chronic disease and our narrow mindset about health insurance.

The United States has made great progress on extending health insurance to All Americans. Ninety percent (90%) of Americans are covered by one health insurance program or another. The number of American residents without health insurance has never been lower. Our health insurance system relies on employer-sponsored programs and in many ways, it is the best health care system in the world. The health care system in the United States is a leader and we are improving the health of the world's population by sharing our innovations.

What we have so far failed to do is develop a way to universally cover 100% of those Americans that want to have their own health insurance. The low wage workers and the uninsured that can not afford health insurance, have a strong safety-net that provides a comprehensive primary care network through 1,475 community health clinics with over 11,000 locations throughout the country. We also have mandatory last resort emergency health care service including EMC transportation to 3,539 hospital emergency rooms. However, we have not been successful in reducing the cost of health care for All Americans. And, we have absolutely failed to keep Americans healthy. Over the last fifty years our health risk and morbidity factors have almost all significantly deteriorated to the point that the American people are literally sitting on a Health Care Bomb which is about to explode with our aging population. The number of baby boomers will almost double at the same time the Medicare Trust Fund runs out of money in 2026.

In the coming decade neither the current health care delivery system nor the way in which we finance it will sustain the American people. The health care system is still geared to the antiquated fee-for-service model which thrives on medical treatment frequency. This system perpetuates dysfunction, contributes to the escalation of prices, strains the national economy and threatens our future prosperity as a nation. It should be no surprise that we have the costliest health care system in the world because we have the unhealthiest population in the world. The CDC Health Report for 2017 showed us that in all but one category (Age 65 and older-heart illness), over the last 20 years: 

ALL the degrees of disease suffered by the American people and the risk factors that cause them have increased, including heart disease, cancer, diabetes, hypertension and hypercholesterolemia. In addition, sixty-six percent of our population (66%- up from 15% in 1960) is over-weight. We have the heaviest population of over-weights of any nation in the entire world. Over the last several years we have suffered increases in obesity in every age category 2-5 and 6-11 and 12-19 and now almost forty percent (40%) of all Americans over the age of 20 are obese.

Life Expectancy has Declined: The National Institute of Aging has recently found that from 2010 to 2017, the death rate of Americans between the ages of 25 and 64 has increased from ALL causes. This decline affected all racial and ehtnic groups. The study's lead author Dr. Steven Woolf of Virginia Commonwealth University says the, " The whole country is at a health disadvantage compared to other wealthy nations. We are losing people in the most productive period of their lives. Children are losing parents. Employers have a sicker workforce."

This has got to stop. This weight problem contributes dramatically to our incidence of diabetes and chronic illness, the treatment of which now consumes 90% of the total National Health Care Gross Domestic Product (NHC-GDP). The NHC-GDP is eighteen percent (18% or $3.65 Trillion Dollars) of our total national GDP. The CBO predicts that the NHC-GDP will increase at an average annual rate of 5.5% in the coming decade.

There is a lot of rhetoric on the gravity of this situation. The polls show American citizens are genuinely concerned about the affordability of health care. Our employers continue to foot the bill for most of our health care spending but it has become increasingly clear that the businesses that face international competition cannot continue to sustain this high cost, which is funded by government taxation in other countries. Therefore Americans are facing not only the difficulty of paying for their health care but the threat to their very livelihood upon which they rely to do so.

Our political climate is somewhat paralyzed on this subject. Congress has for decades successfully provided themselves and 8 Million other Civil Servants with comprehensive health insurance through various programs that also cover approximately 160 million military and non-military Americans. They have NOT been able to come up with workable program that provides affordable health insurance for the working poor. These people are generally not covered at work and are not eligible for government support. This segment of our population may have the highest incidence of chronic disease and therefore health insurance coverage for them would have the dual benefits of social equity and a lower the cost of health care for everyone else.

The question that we at Medicare-Advantage-For-All.Com are here to answer: What do we do now? We don't like almost all the programs suggested by the House Democrats. However, the House Republicans have recently come out with a framework that will level the taxation of health insurance between employers and citizens and foster the development of cost-effective affordable health insurance alternatives to Obamacare  We believe we have one of the best programs to put in this new framework.

We believe the federal government should focus on the program that has worked best for us. Medicare and Obamacare do not address the serious health problems that we are proposing to solve. No matter what you think about Obamacare, you can not deny that we have 30 Million Americans, that we wanted to cover with that program, who would not sign up for it. Many progressive Democrats want to replace Obamacare by extending traditional Medicare to everybody in its place. The Republicans have learned that this approach is too expensive for taxpayers and may lead to socialized medicine. More moderate Democrats want to fix Obamacare or let people buy into a Public Option. Republicans know that fixing Obamacare is also too expensive and the Public Options we have tried in the past have all failed and at great expense to the federal governement. So where does that leave us?  The only other government-sponsored program that is working well, besides Federal Employee Health Benefit Plan, is Medicare Advantage!

Medicare Advantage is less expensive than Obamacare and Traditional Medicare. Medicare Advantage has voluntarily enrolled over 22.6 Million Americans. Medicare Advantage is the only federal program upon which we can build. We are calling for the extension of Medicare Advantage, the Medicare Part C Defined Contribution Health plan, with an integral health and wellness component to all Americans under the age of 65. This will give us the experience we need to develop the next generation Apollo Medicare Advantage plans.

We have named these plans Apollo after the very successful NASA space program that landed two of our astronauts on the moon. The reason we call it Apollo Medicare Advantage is because in order to achieve the lowest NHC-GDP of any industrialized nation in the world, we are going to need a dedicated program like the Apollo space program. The Apollo Medicare Advantage plan for All will cover the 10% of uninsured Americans. It will be attractive and reduce the cost of health care in the United States by its very design.

We will never have affordable health care until we have better health. We will never have better health until we embark upon a national Defined Contribution Health Plan in which everybody benefits directly based on what they put into it. To improve our national health status we need an innovative Apollo Medicare Advantage plan with an integral health and wellness component. We have successful employer health and wellness plans that improve the health and wellness of their employees. It is logical to assume that we have it within our power to create government-sponsored health insurance plans with the same characteristics that will do the same thing. The current Medicare Advantage plans are the most successful government-sponsored health plans.

 

Arthur J. Wheeler,CHC delivering a Proposal to the Secretary of US Health& Human Services.

Arthur J. Wheeler, CHC delivering a Proposal to the Secretary of US Health & Human Services.

Seema Verma, the head of our nations largest insurer - Medicare, Medicaid and Obamacare, tells all, when she said, "Now don’t get me wrong, there are a lot of successes in Medicare. What works in the Medicare program is Medicare Advantage – because plans are competing on the basis of cost and quality, driving towards value and increasing choices for beneficiaries. Many of you are driving success in Medicare Advantage, and I thank all of you for the important work that you do." "... we now have 600 new plans in Medicare Advantage, and with more choices, comes more competition and lower costs … ." "Premiums in Medicare Advantage are at their lowest level in 6 years, having declined 6 percent since just last year -- and even declining by 40 percent or 70 percent in certain areas. With greater competition and lower costs, its a win for seniors who continue to report high satisfaction with Medicare Advantage. This year, enrollment increased over 10 percent to an all-time-high of nearly 23 million beneficiaries actively choosing Medicare Advantage."

All Democrats and Republicans should be MORE interested in improving the health of the American people and LESS interested in exactly how we get there. Congress did not get us to the moon and they cannot just legislate better health for the American people. Congress must allow the experts to show them exactly how we can achieve better health for our country and fund its development. We are NOT going to get there with the Senate Bill that Bernie Sanders wrote and Primala Jayapal's House proposal. Both of them rely heavily on the Secretary of Health and Human Services (HHS) to come up with solutions for the administration of their plans, including the underwriting and management of their Medicare for All programs.

All the branches of our government are willing to use HHS to address the high cost of prescription drugs, the opioid crisis and the pricing of health care services. Therefore we, at Medicare-Advantage-For-All.Com, believe that under normal bipartisan circumstances a compromise between the two dominant political parties would be possible. We are all "AMERICANS" and admittedly most of us are all suffering under the current circumstances but we are capable of finding our own solutions to the deteriorating health and our dysfunctional health care system.

 

United States Capitol

We have to focus on the United States Capitol

Isn't it about time that "We the People" come up with a Health Insurance Program That Really Works? President Trump promises to come up with a plan that takes care of everybody. To accomplish this goal, Congress does not need to prop up failing insurance exchanges, subsidize the profits of large and successful health insurance carriers, re-invent old Defined Benefit health plans or generate new taxes on the public. We are sponsoring this web site to make it clear to everybody that we can reach the goal of having the lowest NHC-GDP of any developed nation in the world if we use our Medicare Advantage (Medicare Part C) platform to build a new progressive twentieth-century Defined Contribution health plan that will be a meaningful alternative to what we have now.

"We the People" and our Congress created Medicaid, Medicare A, B, C and D, Tricare, FEHBP and most recently the Affordable Care Act (Obamacare). And, the Apollo space program put two Americans on the moon. All these insurance programs have enjoyed some measure of success, but the ACA and traditional Medicare are old-world Defined Benefit health plans. And, we need to seriously address our deteriorating health status and the threat that these programs pose the health and well being of our people and our economy.

PLEASE JOIN US AND BECOME A SUPPORTING MEMBER OF OUR ORGANIZATION. PLEASE REVIEW ALL OF THE DETAILS IN THIS WEB SITE, DOWNLOAD OUR KEY DOCUMENTS AND SEND US A CHECK TO SUPPORT THIS GRASSROOTS EFFORT TO MAKE OUR COUNTRY THE HEALTHIEST DEVELOPED COUNTRY IN THE WORLD. THE HEALTH AND WELL BEING OF OUR PEOPLE DEPEND UPON IT!


REPUBLICAN STUDY COMMITTEE HEALTH CARE PLAN

The Republican Study Committee Health Care Plan is a framework for personalized, affordable care that will accept our Medicare-Advantage-for-All plan perfectly. It equalizes the tax advantages of health insurance between American employers and our citizens, covering preexisting conditions and allowing seamless transfers between plans.

https://www.medicare-advantage-for-all.com/wp-content/uploads/sites/8670/2019/10/RSC-PERSONALIZED-AFFORDABLE-CARE-PLAN.pdf38f12bd5.pdf

KEYNOTE REMARKS BY SEEMA VERMA AT BETTER MEDICARE ALLIANCE

This Keynote Address on July 22, 2019 is the latest NEWS on the current state of health insurance and health care delivery in the United States. As the head of CMS, Seema Verma is in charge of the largest nation insurer in the country responsible for Medicare, Medicaid and the Obamacare exchanges. She sees the challenges of government-run programs first hand. These remarks are a road map for Medicare-advantage-for-All.Com and should be a sign to All Americans that this web site and our movement are exactly what we need to get the "Better" health and the "Better" health insurance that we deserve.

https://www.cms.gov/newsroom/press-releases/keynote-remarks-administrator-seema-verma-better-medicare-alliance-bma-2019-medicare-advantage/

THE AMERICAN PEOPLE ARE SITTING ON A BOMB

This May 2018 release is our second general mailing to All the members of Congress (the first was April 2017) and all of the policymakers, media and health policy Wonks in Washington, D.C. It has pictures and graphs (and for those that remember Arlo Guthrie) it includes circles and arrows and paragraph on the back of each one! This brochure shows how Medicare Advantage can be made to save the taxpayers $1.3 Trillion Dollars a year and reduce our NHC-GDP to 12%, put the United States on a path to accomplish our true goal to have the lowest NHC-GDP of any developed nation in the world and establish an improved health condition and an internationally competitive Health Care GDP. It is designed to get the reader interested in visiting this website and learning how America can become the healthiest most successful nation on the planet earth.

THE TRUE AMERICAN - FIFTH EDITION

LEGISLATIVE APPEAL

The  “Legislative Appeal.” It was mailed to every member of Congress and the Trump Administration back in April 2017. It was meant to expose the Medicare Advantage idea and spark Congress to use Medicare Advantage to replace Obamacare. The second document, “The Best Bipartisan Answer to Repeal and Replace Obamacare” was hand-delivered to the Heritage Foundation, HHS, and Congress during the recess week of August 13th, 2017. At that time, BCS Consultants arranged the delivery of this Plan Document to most of the Senators in the Finance Committee and Health (HELP) Committee and the House Representatives in the Energy & Commerce, Ways & Means, Budget, Tuesday Group Committees and the Freedom Caucus, including the leadership of both bodies on both sides of the aisle. Based on the amount of feedback we received after the distribution, it is likely that both documents were ignored. THE FIRST LEGISLATIVE APPEAL

THE TRUE ADVANTAGE OF MEDICARE ADVANTAGE FOR ALL AMERICANS

This is an Op-Ed piece that lays out the case for Medicare Advantage For All in such a way as to stir the soul with the logic of this movement. "The True American" doc (a reference to Cassius Clay's famous KY Journal) is an Op-Ed succinctly making the case for Medicare Advantage. THE TRUE ADVANTAGE OF MEDICARE ADVANTAGE FOR ALL

THE 28 POINTS OF LIGHT

This document is a 28 point marketing piece summarizing the benefits of promoting Medicare Advantage For All that we are currently using with Congress to promote the program. 28 POINTS OF LIGHT.

THE BEST BI-PARTISAN ANSWER TO REPEAL AND REPLACE OBAMACARE

This Best Bi-Partisan Document is a well-referenced expose of how we, as a nation, got into the ACA and why Medicare Advantage is the best way to get us out. Congress is still struggling to find a solution to the problem of affordable health insurance that is fair and equitable for everybody. Hillary Clinton was the First Lady to use the title Medicare C - Twenty-Five (25) years ago when her husband Bill was President. After that, she tried to pass a Medicare Buy-In Program. Hillary kept this idea alive for her entire career. The Democrats only abandoned the idea when they successfully passed the ACA.

Medicare C is the sole source of revenue, earnings and organic growth of the larger health insurance carriers. Analysts at PricewaterhouseCoopers (PwC), the Gorman Health Group and the A.M. Best team believe that Medicare Advantage market is poised to grow throughout 2018. PwC projected that MA enrollment will grow by 8 percent to a total of 21 million beneficiaries, almost three times larger than the ACA enrollment. The previous research from A.M. Best and the Kaiser Family Foundation also found that MA premium revenues grew from $69.9 billion in 2007 to $187.5 billion in 2016, indicating an upward trend in popularity among the people. (Reference) MA now covers over 35% of all Medicare beneficiaries, and of the 11,000 citizens aging into eligibility for the Medicare program each day, approximately 50% of them are choosing a Medicare Advantage program. They choose an MA because there are no pre-existing condition exclusions, they don't have to buy an additional supplemental insurance policy to get better coverage, they don't have to buy an additional drug insurance policy to pay for RX prescriptions and in most cases, the program is fully paid for by the federal government. The federal government can afford to pay the full premium because the insurance companies handling the MA programs are doing it so well that they actually end up saving the federal government billions of dollars. They administer these programs for less money than it would cost the taxpayers to cover these people under the "fee for service" traditional Medicare program. This is a win/win proposition for all involved, unlike Obamacare where the taxpayers, the federal government, the insurance carriers and the participants all lose.  THE BEST BI-PARTISAN ANSWER TO REPEAL AND REPLACE OBAMACARE

TRUE COST COMPARISON BETWEEN THE ACA AND MEDICARE ADVANTAGE

Obamacare care annual per capita costs are significantly more expensive than Medicare Advantage. In total, Obamacare cost us even more than our Medicare Fee-for-Service Program. It is the most expensive federal health insurance program on the planet Earth. Medicare Advantage For All.Com has completed a groundbreaking Cost Comparison study below comparing the annual per-person cost of Obamacare side-by-side with our other federally
sponsored health insurance programs for the years 2015 and 2016. The results are logical, however by displaying Obamacare, Medicare Advantage, Commercial Individual Insurance, and Medicare fee-for-service all together on the same page allows you can really appreciate the dramatic differences in cost.

THE TRUE COST COMPARISON OF THE ACA AND MEDICARE ADVANTAGE PLANS

DIRECTOR OF THE CONGRESSIONAL BUDGET OFFICE - Peter Orszag’s TESTIMONY BEFORE CONGRESS IN 2007.

Peter Orszag was the Director of the Congressional Budget Office (CBO) from January 2007 to November 2008. During his tenure, he repeatedly drew attention to the role of rising health care expenditures in the government's long-term fiscal problems—and, by extension, the nation's long-term economic problems. In 2008, he was appointed by President Obama as Director of the Office of Management and Budget. His was clearly one of the architects of Obamacare and this testimony before Congress can be considered a harbinger of the ACA program.

06-21-2007 Orszag congress. testimony healthcarereform.pdf

ARTHUR JACKSON WHEELER, CHC - RESUME

Arthur Jackson Wheeler founded www.Medicare-Advantage-For-All. Com. He is a Certified Health Consultant, who graduated from the University of Hawaii with a B.A. in Political Science & Law. He worked at Blue Cross Blue Shield for fifteen years and retired as a Director of Special Accounts. He started his own Health Insurance Brokerage and bought and sold Group and Individual health insurance products, including Obamacare and Medicare Advantage Plans. He basically has spent his entire professional career working with insurers, health care providers and the largest employers in the United States in the administration and sales of health insurance products.

Arthur Jackson-Wheeler, CHC Resume