What I Cannot Resolve (again)

If you think I am making it up “Find Someone Else to Blame,” maybe you think I am hosting a pity party for myself. This is from my Facebook post. The health care system is full of huge stakeholders, insurance companies are one? Yes. The only? C’mon.

Reminder: we cannot pass the inclusion of dental insurance within Medicare. The idea that we can enact Medicare For All?

Deal With The System We Have

Behind the scenes, a very-disagreeable author has been pushing and shoving his publisher to release this before its planned release date of March 15. Paperback format is still delayed due to supply chain issues, that one I cannot control.

Click on the image or click here.

Why Is There A Book?

Fragments of information are available everywhere. Some of the people providing the information are entirely competent, I am certain. The issue is that this leaves the overall approach, for you, or for your household, left to piece together the fragments. The risk this creates? Some vital fragment hasn’t been considered.

This Happens: Even Current Enrollees Miss Stuff

The other day, a Medicare beneficiary and I were talking.

He uses VA for everything. Has a MAPD (HMO) in addition, with a Giveback option, which rebates money back into his Social Security check. Clearly he has enrolled in Part B because he can’t enroll in MAPD without Part B in this instance. However, he has a complicated health history, and is being told that VA will cover it. All good.

Missed? Insurance is about assigning a price to coverage. In this case, he missed out the fact that his complications can lead to requiring other services or physicians. And in the absence of a crystal ball, an HMO will have restrictions that will not exist in a PPO. Further, there are PPOs (different carrier) that have the same/similar Giveback option. He has given away a free option (this is Jae’s Manifesto Rule #1: Don’t Give Away Free Options).

This Happens: the market moves, every detail in Medicare Advantage is subject to change, every year. And then, people believe that insurance is an option for today, under the idea that nothing will change. For a long list of reasons, that cannot possibly be the case. Father Time, competition, changing Medicare coverage rules, etc are just the most obvious.

Don’t Like To Read?

I realize this as well, and the best that I can do is to create the paid Substack, where subscribers can get access to Medicare ABCs Masterclass on GH2Unfiltered.com, which has ten (!) separate videos on different aspects of Medicare.