I became 65 years of age in 2011. My insurance carrier and my employment, from which I’m retired, together, offered the Medicare Advantage Plan, as my health care coverage. My Social Security check reflects a deduction made by the Social Security Administration for my Medicare Advantage coverage. Additionally I have a premium deduction, taken from my employee retirement benefit check, for my Medicare Advantage coverage.
I should be well covered, excepting for the fact that my OB/GYN no longer accepts Medicare in any form, a policy decision made by not only my physician but other reputable OB/GYNs, whom I contacted in Athens. My doctor’s only suggestion was my contacting a local hospital’s mid-wifery clinic, which I did in attempting to secure basic preventive services. In calling this clinic I listened to a message in two languages and thereafter was placed on hold to talk with an appointments secretary, who cordially informed me that in two months the clinic would give me a call to make an appointment for a future date. (I might have thought that perhaps the Hippocratic oath has been conformed in its meaning, excepting for a doctor of my generation, who has made the decision to put the patient first and is seeing patients for preventative services.) I must hope now that my ophthalmologist has not decided to terminate services to Medicare patients as well, in as much as I have delayed scheduling an inevitable surgery.
I have little sense of “advantage” here. I must look to my representative government for explanation. Perhaps Medicare is poorly administered, so the doctors are not equitably/timely reimbursed. Perhaps the President’s “signature” initiative has resulted in this derailed health plan. Perhaps the profit line, of the health care “industry” at large, supersedes patient care and affordability. Bottom line for me — my health interests have not been protected, neither the availability nor quality, and I have little control in these circumstances.
This isn’t a partisan issue for me. This isn’t about liberal/conservative positions. This is a question of integrity across the three branches of this government, where semantics are used to uphold whatever whim the government wishes to pursue. My government gave me no choice, when I became of age to work. I signed up for and made contributions to Social Security, that I might secure my retirement years. “Contributions” changed without my knowledge. They became a “tax” that the government might build a fund, from which to dip with no intent to ever repay. Then imagine my puzzlement later at hearing my contributions called an “entitlement,” likened unto any other government welfare program, in which recipients do not contribute.
That trust, my grandfather, my father, and I placed in this government to secure our later years, my children do not share. It is a sad commentary. It is a harsh reality for my grandchildren. Their government is not to be trusted in its commitments to its citizens. There are disturbing ramifications in a “no confidence” vote for one’s government.
Sincerely,
Elizabeth Holloway
I am surprised as a retired MD that there is not knowledge of the difference between the cost of delivering health care, the cost of health insurance and what we here politicians talk about cost. The politician "cost" is the cost to taxpayers for the ongoing vote buying schemes of Medicare and Medicaid and to insure government employees.
I appreciate your statements however the medical environment is different now. I know many doctors who make less than $125,000 a year and have substantial student loan debt to deal with. Owning mansions, fancy cars and second homes are not their goal.
They probably work in free health care clinics for the poor,right Tao? That is admirable, but they were aware of the pay before deciding to take that career path.
Here's some average incomes for doctors:
(average,mind you)
Anesthesiology 331,000 to $423,507
Emergency medicine 239,000 to $316,296
Cardiac Surgery 218,684 to $500,000
Orthopedic surgery 397,879 to $600,000
Radiology (diagnostic) 377,300 to $478,000
Neurological surgery 350,000 to $705,000
If I could pay $100,000 or so (cost of education) for a business that would pay me $300,000 a year, I would do it in a skinny minute.
As to doctors not accepting Medicare patients, those are definitely the greedy ones; nice to have such a clear distinction to judge. You really should be able to find other doctors to serve you if you try. I have found the same preference for dollars with a few doctors in Athens as well as the one I had in Atlanta who went to a "concierge" practice.
That's where, in addition to all you have been paying, you pay an extra $5,000 a year and the doctor would be available to you 24/7. He cut his patients from over 2,000 to 600 so he could spend more time with each of them. That works out to and extra 3 million for him and his practice. My gynecologist group in Atlanta stopped delivering babies due to liability insurance and law suits, dropping the obstetrician part of their practice. One doctor in Athens even sent me a certified letter saying they would no longer be my doctor; no explanation whatsoever. All I can think of is a remark I made to the nurse that health care was a mess for both patients and doctors. I had good private insurance and an excellent credit rating. While trying to find a doctor in Athens four years ago, one group said they didn't want me as a patient because I had had Lyme Disease. Talk about cherry-picking! I have enough of a problem with that trying to get individual insurance coverage (very expensive).
The problems aren't just with Medicare patients; it's with the entire system. Some years ago the American Medical Association surveyed primary care physicians with this question: If you had it to do all over again, would you have gone through medical school and set up a practice, either alone or in a group? 49% said no, definitely not. Something is wrong here, folks. Health care does not lend itself to capitalism. Therefore, it should be on a socialist basis like public schools, law enforcement, emergency services, libraries, senior centers, recreation departments, health departments, roads and airports. Total socialism is a boogey man, but not when applied discriminantly for the good of all.
These are all just vote buying schemes to create more jobs that depend on the taking of money from free market workers to give to another group of government union workers. Of this group the only ones that should be supported by all taxpayers are the police and emergency services.
Healthcare in America actually worked quite well as a capitalist market. It was only when government got involved in regulating what insurance companies had to offer vs what the consumer desired and the paying of healthcare thatthings started downhill. Before those two things people were treated and technology advanced to the greatest health care in the world. Sadly those days are gone and we are rapidly declining to the mediocre care with rationing and higher cost to everyone.
As to waiting on Obamacare Mrs. Moss, that is a foolish idea. It will only worsen the situation as it already has. And if it is fully implemented. You will see a steady flow of doctors leaving the profession. You think you have to wait long now. Just check in with Canada and see what it is like. You'll be waiting for months on end just to get an appointment.
I took care of my 86-year-old grandmother over thirty years ago. Medicare is a nightmare to deal with, but at least the doctor's offices now do most of the claims. This does cost us money. The thing is, I had the same fights with my own individual medical insurance policy for years; every single claim I filed they disallowed as standard proceedure so I had to fight them. Their delay was to delay reimbursement payments to me which were frequently late and they had to pay interest on those. This is the sort of thing ObamaCare can fix if they do it right. At least I am no longer denied insurance because of pre-existing conditions.
Many medical insurance companies have decided to retain much of the requirements of ObamaCare already implemented. The reason is that ObamaCare created a level playing field where companies can do what's right, whereas the market makes it difficult for the first company to compete if they, alone, offer the right things. This is what government does when they require safelty features, which cost a bit more, on automobiles. If they all know that they all have to, then they can offer those things at little cost extra because they can incorporate the change into their structure. If only one car maker tries to do this, their cars will cost more and they can't compete. This is one good function of government.
Do you realize that if it were not for Medicare and Medicaid you probably wouldn't be talking about your aunt in the present tense?
What do you know about the Canadian healthcare system besides what you hear on Faux News?
I guess the Brits aren't too proud of their healthcare system either, are they? Maybe you didn't watch the Olympics opening ceremony.
I believe we will have the opportunity to find out if Obama's plan is better. I just don't see the majority voting for the unknowns of insurance vouchers for the elderly and privatized social security.
Yes I am very familiar with the Canadian and UK healthcare systems as I do business with them. They are fantastic systems unless health CARE is actually needed. At least in the UK their physicians are allowed to operate private practices 2-3 days a week. So when that same government doctor says the government is denying care, he can see you next week in his private clinic if you can pay out of pocket. In Canada they are close enough to come to America.
If the due diligence was done on the current system and the Obamataxcare plan it would be painfully, literally and figuratively, obvious that it will be a disaster, both for patients and taxpayers.
Those with attachments to outcomes that benefit them need to look into the mirror of truth and ask, what does my aversion to truth say about me? Why is my attachment to this outcome so great I cannot find what is right in Truth?
Please do not take personally my corrections of your posts that are incorrect in facts. My posts are to inform the public from a place of knowledge so that the greater good can be achieved from a place of neutrality.
"Obamataxcare" and "vote-buying schemes" are not words of neutrality; they are words of extremism.
The rest of your post is quite acceptable and laudable. My "aversion" to your information (not truth) is due to lack of "neutral" and incomplete information. If I had the time and inclination to read through a new law, I would do so. Instead I rely on others whom I know to be both intelligent and neutral, not a local commenter on a small, rural town's newspaper site. When you present specifics that make sense to me, I will consider them. In the meantime, I am at the point where I feel we are about twenty years past needing to try something, almost anything, to address the ills of our health care system. We have ObamaCare on the table. Let's rum with it and see. As soon as it proves detrimental, we change it or alter it or adjust it. Or we dump the whole thing and we are back where we started. There's nothing terrible to fear here.
It is not easy to take away a vote buying scheme once it is started. Look at you're attachment to Social Security reform and the pending demise of Medicare. Imagine now 20 million others on Medicaid for four years and then being told it can't be afforded by the working, taxpaying citizen.
It is called Greece. Look at how those people are reacting to the free lunch or vote buying schemes coming to an end. I am sorry that harsh reality is offensive to your senses.
Rural doctors often get paid so call provider incentive programs where they are paid more than urban doc's. I hear and may be wrong can be up to 20% yearly medicare collection if their quality is very good such as testing for diabetic markers. Some medicaid programs have quality bonuses also. For those who doubt call Medicare and ask or call Medicaid and ask about so call increase payments and bonuses for quality which is not a new thing.
Doc's driving many so call luxury cars. Knowing many EMT's / Nurses / Doc offices this is bull frack. Some posters on this issue nothing more than resource redistribute persons. I know of no office's that really cherry pick as suggest by another poster but I do agree sure it does occur. That noted there are offices if patient on phone seems unrealistic as a patient " entitled " as I have heard people in education / law officers / nurses call them realize taking care of them will limit time needed for others and that is wrong.
Doc's that charge a fee to take care of select few. I know of family's chipping in as ill family member to get this type of service : call it family personal responsibility. The provider makes routine and frequent house calls even on weekends that save's taxpayer's the wonderful visit to ER expense. The provider knows family and feels safer will not be robbed or hurt making this type of call. The cost varies from $1500 to $2500 year I am told in Athens. Sure more expensive elsewhere due to cost of living. If I had the funds which I do not I would do this as I take personal responsibility not to over eat or use drug or too much alcohol and want someone who will take time and listen and guide me in maintaining my care.
So bash the doc's as other's bash teachers and all. And even private ambulance services can send letters to people noting will not be available to them. So lets vote this fall and lets vote for "change" and prior "change" has fracked up the system.
Just to clarify, can you tell me why a group practice would not take me as a new patient when they were advertising for new patients because they knew I had had Lyme Disease? I simply stated my true experiences here and I am baffled by them. If I could afford the $5,000 my previous doctor wanted, I might have participated. I didn't blame him; it allows him to practice medicine the way he wants to, I guess (maybe not). But he did drive a Mercedes and the doctors in his practice went together and built a new midrise office building where they occupied the top floor, renting out the rest for profit. They even installed pay parking, the first in Sandy Springs and the only pay parking there I know of. Seems a little outside their field and, to me and a few of their other patients, a bit greedy. I tend to go to a doctor when I have a problem. That doctor wanted me to come once a year for a full "check-up", including a chest x-ray and full-body bone density scan, neither of which is recommended and is too much radiation. So when I did that, he noted that it had been two years since I had been there and that if I didn't come at least once a year, he would not be my doctor anymore. Overall, I feel he was more intersted in his business than in my health. He never solved any of my problems in the 11 years I used his services.
They are then paid for procedures rather than diagnostics, advice, and consultation. It becomes a game with insurance companies to use patients to generate revenues from procedures. The more patients they run through, the more money they make. If a patient legitimately requires thought and time, no one wants to pay for that. Annual physical check-ups are the easiest money-makers. So now the cherry-picking begins.
I am hardly a difficult patient. The doctor I ended up with has been thorough, careful and attentive. I have followed all her advice and seen all the specialists she referred me to. She originally prescribed medication that was a recommended first try that caused problems but that also indicated that she needed to know more; therefore, the specialists. I finally know what is wrong and the solution has been near-perfect, though expensive. I'm very satisfied with this primary care doctor.