It’s the season to renew Medicare Part C (Medicare Advantage) and part D (drug coverage) health care insurance plans. It should be a simple, straightforward process. It isn’t.
What was covered this year on policies may not be covered next year — for example, prescription drugs. And what wasn’t covered this year may be covered next year. The prices will change, too.
What that means is, instead of simply renewing, it’s necessary every year for seniors to compare Medicare coverage among the many insurance options available.
Why such confusion? Because when Medicare was first proposed, those objecting were so vocal that a compromise was made: Some expenses would be covered by Medicare and the rest by private insurance.
It shouldn’t be that way, and it doesn’t have to be that way.
A far better approach is the one proposed by the Health Care for All Oregon coalition (HCAO.com). It would cover everyone for all medical expenses without co-pays, with vision and hearing coverage included.
It would also cover everyone in the state from birth to death, not just seniors, and would cost less than what’s now being spent on health insurance. It would be more effective and more efficient in maintaining the best health possible for everyone.
We’ve tried the insurance route but we can do better for our seniors, and for the rest of us. Much better.