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Medicare and More -

Women Who Are Uninsured

by on Jun. 13, 2011, under Health

One of the suggestions for saving Medicare is to raise the eligibility age to 67 or 68 – or higher. This reminded me of a blog post I wrote in April, 2010.

Originally posted on April 21, 2010:

I hit the trifecta this week by meeting three women who will turn 65 in July.  All three of them told me they had been without health insurance for many years. They are thrilled to be turning 65 -  so they can get on Medicare.

Linda told me that she and her husband have spent most of their retirement savings on her medical bills over the last ten years.  Karen said she has had pain in her left leg for quite a while, and she worries about what  a doctor might find when she gets her Medicare and goes for a physical exam. Gayle looks like she’s 55, not 65.  She has no health problems and takes no medications.

As an insurance broker, I have met too many women in their 50′s and 60′s who cannot get health insurance – and it’s just not right.

I have also met men who have continued to work well into their 70′s so they could keep their employer health insurance for their younger wife – who was uninsurable because of some health problem.

Earlier this year I met with a man who was 68 years old and finally leaving work and signing up for Medicare.  His wife was sitting at the kitchen table with us, and her arms were trembling. I couldn’t help but ask her what her medical problem was.  She told me she has Parkinsons… and she no longer had health insurance.  She is 62 years old.

About two years ago, I met a  woman who was 64 and had lost her group coverage because her artists’ co-op had disbanded.  She wanted to buy individual health insurance, but was refused because her cholesterol was too  high.  When I talked to her last fall, as she was approaching her 65th birthday, I said, “You’re gonna make it to 65 in one piece!  Now let’s get you signed up for your Medicare coverage!”  Turning 65 was a blessing for her.

Yesterday I met with Karen, the woman who has had pain in her leg for a while, but was waiting for her Medicare coverage to start before going to a doctor. After we discussed her Medicare coverage options,  she turned to her 40 year-old disabled daughter and shouted gleefully, “Mommy’s getting health insurance! Mommy’s getting health insurance!”

When politicians talk about raising the eligibility age for Medicare, I think of Karen and the relief – and joy – she felt about getting Medicare… and  it makes me want to cry.

Senator Lieberman, Paul Ryan, and all those politicians who have excellent health insurance, have no clue as to what millions of Americans are going through.

How can they talk about raising the Medicare eligibility age AND killing the Affordable Care Act?  Without the Affordable Care Act, people like those I have written about would continue to go without health insurance and medical care. Raising the Medicare age will keep them without health insurance even longer – and  they’ll just get sicker and sicker, and be more expensive when they finally get Medicare. What a brilliant idea!



  • http://www.mymedicareadvisor.com Allen Heffler, Willow Grove, PA

    Great Post.  Many count the days til they turn 65. They are finally able to have quality, affordable health coverage.  I work with Medicare Beneficiaies on a daily basis with their <a href=”http://www.mymedicareadvisor.com”>Pennsylvania Medicare Insurance</a>.  I also see first hand that Medicare works. It needs to be fixed for sure. But it should be addressed from a delivery cost basis. Again great post, please keep them coming!

  • KB

    So let’s see, all of these people retiring today that elected of of the people who got us into this mess, want us,  the younger generation to continue to pay all of these wonderful benefits to keep us in servantude with out taxes…FOREVER…without them taking any painful cuts themselves.  All the while having lived a lifestlye where they didn’t save, leveraged everything and expect a handout.  So, where’s mine gonna come from now that we are bankrupt for years to come.  All from the NON-forward thinking, think in excess…baby boomer generation.
    Thanks so much for giving the rest of us the shaft.
     

  • medicareblogger

    “servantude”? What is that?  The point of the story is that the current system, in which millions of people are denied health insurance, is terrible. This leaves people to hope to reach age 65 when they will be able to get health insurance and health care for their health problems.  It is the current system that will leave younger generations to fend for themselves.
    The message is: Change the system!

  • http://www.mymedicareadvisor.com Allen Heffler, Willow Grove, PA

    Not sure I agree with you. Under Obamacare, Big Brother estimated 400,000 people  previously denied coverage will enroll in their guaranteed issue plan-the high risk pool. In reality, less than 20,000 have enrolled! So what’s Obama’s solution? More entitlements and make more people eligible for their high risk pool

    • medicareblogger

      There have been some problems with the Pre-existing Condition Insurance Plan (PCIP):

      1) Very few people know about it.
      2) Premiums were too high – so they’ve been reduced 40%.
      3) Insurance agents were not asked to help direct people to the plan.

      Bringing insurance agents into the loop, which is happening now, will mean the word will get out to more people about the PCIP. I was just talking to someone yesterday who had not heard of the plan. He will be applying soon.

      Premiums are still high for people who have lost their job. In 2014, the government will help people with their premium costs, based on their income.

      Perhaps the low enrollment in the PCIP supports the idea of a mandate. In 2014, everybody will be informed of their responsibilities, they will be informed of the premium support they will get – and there will be no excuses for not signing up for health insurance.

      From my experience as an insurance agent, I have found that most people who have gone without health insurance for a long time have given up the idea of ever being insured.  They don’t know about the PCIP, and they don’t think there are any options for them – until 2014, or when they reach 65 and get Medicare.

  • leftfield

    This country spends about twice as much on health care as the other “rich” countries with worse outcome.  Why does the American right wing continue to ignore this? 

    Medicare/Medicaid are a huge part of the deficit.  If the right wing is under the delusion that they can eliminate these programs without replacing them, they are in for a serious public drubbing. My guess is they will take the same approach as they have with abortion – they will attempt the “death of a thousand cuts”.  The public being as stupid as they are, the right wing might just get away with it.  Either way, the crisis will come.

  • Maggie

    At http://www.cnn.com/2011/HEALTH/06/15/life.expectancy.united.states/, there is an article about life expectancy in the U.S. trailing that of other industrialized nations. Part of the article mentions that the reduction of life expectancy in women is more widespread than that of men. From the website noted above:
    Since 1997, women’s life expectancy has slipped or failed to rise in more than 850 counties (compared to just 84 counties for men), including 82% of the counties in Oklahoma, 66% in Tennessee, and 59% in Kentucky. In Mississippi, there are five counties where the life expectancy for women is on par with nations such as Honduras, El Salvador, and Peru.
    The study’s findings are in sync with a report released in January by the National Research Council that compared life spans in the U.S. with those in other high-income nations, says Samuel Preston, Ph.D., a professor of demography at the University of Pennsylvania, in Philadelphia, and a co-chair of the panel that produced that report.
    “The conclusion that American women are falling further behind their peers in [leading industrialized countries] certainly is correct, and if it’s happening at the national level, it has to be happening in some counties as well,” Preston says.
    Regretfully, the article neglects to mention the lack of health insurance for both women and men in the U.S. as a possible contributor to this trend.  This was again brought home to me by an uninsured friend whose 64th birthday is today, and who is counting the weeks until she is eligible for Medicare.

  • http://www.mymedicareadvisor.com Allen Heffler, Willow Grove, PA

    Leftfield-
    Just met a nice couple who spend 1/2 time here is US and 1/2 time in Portugal. We had a nice discussion concerning our healthcare system. Their srong viewpoint was this:
    If you are healthy, our system is expensive
    If you are unhealthy, our healthcare is the best. They gave me many examples of friends and family who literally died waiting for treatment.

    • leftfield

      What you are presenting is called anecdotal evidence.  

      You should share the stories of people who died waiting for treatment with Jan Brewer and her cohorts.  It is not surprising that a “nice couple” who are in a financial situation that allows them to spend their time in another country should be quite happy with the status quo.  Now, go out and spend some time talking about health care with poor people in this country; people who are working two jobs and still can’t afford health insurance.  

      On the day when the poorest person here receives the same level of health care as the richest person, then I will be OK with our healthcare system.   

      • O-dog

        On the day when the poorest person here receives the same level of health care as the richest person, then I will be OK with our healthcare system.

        Do you feel the same way about education? Transportation? Housing?

        • http://barbariansatthekitchengate.blogspot.com/ Kitchen Barbarian

          I don’t know if leftfield does, but I certainly do.  Basic healthcare is what he’s talking about – not plastic surgery or other elective procedures.
          Everyone should be able to live in a safe home free of rats and other vermin (I had to live in such housing for a year because WV does not consider a house full of vermin – and I mean scampering through the ceilings knocking down the ceiling tiles – to be a reason to  break a lease).
          Everyone should have access to transportation to get to school, work, groceries.  Whether that’s accomplished by affordable private transportation or city and county buses doesn’t matter to me.  Heck I’d be happy to see truly bike-friendly communities become widespread, though that wouldn’t help the disabled.  It might leave more room for those who can’t ride though.
          And every child should be able to attend safe, clean, violence-free schools where they have the opportunity to actually learn instead of just get through the day.  Likewise, colleges should be affordable and accessible to all who are qualified, not just the rich elites as it was in the past.
          These are the basics.  Health care is one of them.  Everyone should be able to get the care they need, dental care too.  We’re not talking boob jobs, we’re talking mammographies.  Not tummy tucks, but proper diagnosis and treatment for a stomach tumor.  And not a brush off from a physician who could not care less, but the same level of attention to symptoms and quality of  life that Daddy Warbucks would get.
          Get with it.  It’s not the middle ages anymore, and we are not serfs who live at the whim of the lord of the manor.

    • medicareblogger

      Each country in Europe has its own health care system. I don’t know anything about Portugal’s system. The major difference in Europe (and the rest of the world) is that health care and health insurance are not-for-profit.  The U.S. for-profit system makes health care more expensive for Americans – and we accept that. I guess we’d rather protect the “free market” than have more affordable health care.
       
      The French system is considered the best in the world. The German system was started by Bismark who (way back in the 1800′s) believed German citizens deserved decent health care.
       
      I have a 70 -year old friend in Ireland who was complaining that her supplemental health insurance premium had gone up – to about $1,000 per year. When I told her $1,000 is not much more than a 60-year old would pay per month in the U.S. for good individual health insurance, she was amazed.  In Ireland, everyone participates in the national system, but they can get better coverage by getting a supplement policy – kind of like how Medicare works in the U.S.

      • Pam

        I’m glad you mentioned the “for-profit” aspect.  I too work with people on Medicare, and I have been called upon to help them understand their bills for services.  The fees charged are hard to believe.  I have a relative who is a doctor, and feels that there can be no real reform without regulating both fees charged, and salaries for doctors – which is not likely to happen. 

  • http://tucsoncitizen.com/tucson-tails karyn

    A few years ago there was a documentary on PBS that showed General Motors paying more for healthcare for its employees than it did for raw materials like steel. I’m no fan of GM because they killed the electric car and also the Saturn brand but there is something terribly wrong when health insurance for employees is the highest ticket item of a major corporation.
    As a kid, I remember going to the doctor (Dr. Reese smoked in the exam room) and when the exam was over and the diagnose made, mom would take money out of her purse or in rare cases write a check and that would be that.
    Something is terribly wrong with our healthcare system and I don’t see any band aids any time soon.

  • medicareblogger

    The cost of health insurance is a burden on American companies, and it is an issue that  car companies in Japan and Europe don’t have.  One of my clients, who was an economist, explained  how this difference is built into the cost of cars.  I don’t remember the details, but I do recall him saying that the cost of health insurance makes American car companies less competitive.  Of course, companies like GM might pay very little federal tax while European car companies probably pay higher taxes.

    Our system keeps lawyers and tax accountants very busy. And making a major change to the system will probably never happen – although the Affordable Care Act is considered a major change- which Republicans don’t like.  If they can stop the changes that are part of the Affordable Care Act (Obamacare), we will move backwards and  continue to muddle along while other countries move farther ahead of us.  That’s a sad picture of the American future.