- Nov 2006
Yes it does, those would be the people who get an insurance card that has a zero deductible.I think we can start with single payer and allow for a buy in. Medicaid stays intact, like it has always been.
You keep making the issue more complex with coinsurance and copays and medicaid and medicare. Medicaid is duplicated with a low or zero deductible, medicare is duplicated by that formula that determines the deductible for those retired. The hospital only has to look at your card and all those factors have been addressed.Most of us contribute to our employers for our insurance and it is deducted from our paychecks. We could easily pay those premiums to Medicare instead of Blue Cross for example. As an incentive, our employers should share the cost with employees and it would save them money. Keep the copays or coninsurance percentages with a reasonable deductible.
There would be no such thing as a "better" insurance policy when it comes to what your plan covers, it covers the same thing as everyone's whether they are 2 or 92. And Medicare is reasonable? What, they have a half dozen different options as it is now? I would advocate that however the employer is currently treated he should not be asked to contribute more. Medicare and medicaid would simply be historical terms for how we used to do things.I saw an article where we would pay about 600 a month to buy into Medicare and that is reasonable to me...at least the insurance would be better than the crappy policies the ACA exchanges offered. I am already paying 600.00 a month through employer insurance and it is a crappy policy so I would rather invest those dollars into a insurance program that is much better, such as Medicare.