Medicare Funding
Medicare for All California AB 1400 – CalCare
Information – What is Medicare for #All?
Scholarly Articles
- The Case for Medicare-For-All
- The ‘Public Option’ on Health Care Is a Poison Pill
- The Case for A Non-Profit Single-Payer Healthcare System Physicians for a National Health Program
Links & References
- Health Broker’s Journal
- Benefits Pro – Single Payer Proposals – Newsom
- Cal Matters – Newsome slows down on Single Payer
- Yale Study says Medicare for All would save $450 Billion and prevent 70k/deaths’ per year https://www.democracynow.org/2020/2/19/lancet_report_medicare_for_all
- Britain has long waits for Care https://www.forbes.com/sites/sallypipes/2019/04/01/britains-version-of-medicare-for-all-is-collapsing/?sh=19f207c336b8
- 20 Reasons Japanese Women Stay Slim and Don’t Look Old
Becerra Has Long Backed Single-Payer. That Doesn’t Mean It Will Happen if He’s HHS Secretary.
- Part A is financed primarily through a 2.9 percent tax on earnings paid by employers and employees (1.45 percent each) (accounting for 88 percent of Part A revenue). Higher-income taxpayers (more than $200,000/individual and $250,000/couple) pay a higher payroll tax on earnings (2.35 percent).
- Part B is financed through general revenues (72 percent), beneficiary premiums (26 percent), and interest and other sources (2 percent). Beneficiaries with annual incomes over $85,000/individual or $170,000/couple pay a higher, income-related Part B premium reflecting a larger share of total Part B spending, ranging from 35 percent to 85 percent.
- Part D is financed by general revenues (71 percent), beneficiary premiums (17 percent), and state payments for beneficiaries dually eligible for Medicare and Medicaid (12 percent). Higher-income enrollees pay a larger share of the cost of Part D coverage, as they do for Part B.
- The Medicare Advantage program (Part C) is not separately financed. Medicare Advantage plans, such as HMOs and PPOs, cover Part A, Part B, and (typically) Part D benefits. Beneficiaries enrolled in Medicare Advantage plans pay the Part B premium, and may pay an additional premium if required by their plan; about half of Medicare Advantage enrollees pay no additional premium. Kff *
Medicare Trust Funds
Medicare is paid for through 2 trust fund accounts held by the U.S. Treasury. These funds can only be used for Medicare.
Hospital Insurance (HI) Trust Fund
How is it funded?
- Payroll taxes paid by most employees, employers, and people who are self-employed – See publication 15 pdf
- Other sources, like income taxes paid on Social Security benefits, interest earned on the trust fund investments, and Medicare Part A premiums from people who aren’t eligible for premium-free Part A
What does it pay for?
- Medicare Part A (Hospital Insurance)benefits, like inpatient hospital care, skilled nursing facility care, home health care, and hospicecare
- Medicare Program administration, like costs for paying benefits, collecting Medicare taxes, and combating fraud and abuse
Supplementary Medical Insurance (SMI) Trust Fund
How is it funded?
- Funds authorized by Congress
- Premiums from people enrolled in Medicare Part B (Medical Insurance) and Medicare prescription drug coverage (Part D)
- Other sources, like interest earned on the trust fund investments
What does it pay for?
- Part B benefits
- Part D
- Medicare Program administration, like costs for paying benefits and for combating fraud and abuse copied from Medicare.Gov
- Learn More ==> Kaiser Foundation, including spending
This might end with AHCA – Replace Obamacare
See also our section on the ratio of Part B & D premiums to actual costs of Medicare.
How the $$$ is spent
Links & Resources
very well health.com/is-medicare-going-to-run-out-of-money
common wealth fund.org/options-extending-medicares-trust-fund
fool.com/how-is-medicare-funded
tax policy center.org/what-medicare-trust-fund-and-how-it-financed
Kaiser Foundation facts on Medicare Spending & Financing
house.gov/find-your-representative
FAQ
Question
All our plans are Guaranteed Issue with No Pre X Clause
Quote & Subsidy #Calculation
There is No charge for our complementary services
Watch our 10 minute VIDEO
that explains everything about getting a quote
- Our Quote Engine Takes all the complexity out of using pencil and paper to figure out the premiums per the Obamacare/ACA rules under CFR §1.36B-3 *
- Get more detail on the Individual & Family Carriers available in CA
Medi Cal Network #Limitations
See the next “module” below for the plans and doctors you have to choose from on Medi-Cal. Do you really want Medi Cal expanded to everyone?
Take a look at Our Medi Cal webpages, let alone the ones we took down as we are not paid a PLUMB NICKEL to help people with Medi Cal. How’s that for funding? Look how many FAQ’s we get as Medi Cal doesn’t have the staff or time to help people! Do Medi Cal, Insurance Company, Salaried Personnel have the background, caring or time to answer questions. Here’s 17 reasons to use Steve Shorr Insurance.
- Medi-Cal
- Narrow Lists? Fewer MD’s than before? Mirrored Plans?
- Medi Cal Pages on Archive.org as we were getting too many requests for Medi Cal uncompensated help
Medi-Cal Managed Care HMO – Health Care Options
Here you can review and choose the HMO that you want to deliver your Medi-Cal health Care.
Learn more:
- Disability Rights.org –
- What are Medi Cal Managed Care Plans? What do I need to know?
- Medi-Cal Managed Care Health Plan Directory
- Poor Care Co-Ordination? New contracting process Deficient Oversight CA Health Line *
- Disability Rights – Medi Cal provider HMO’s, what are they? What do I need to know about them?
- Medi-Cal Managed Care – Health Care Options
- EOC’s, Forms & Income Charts from Insure Me Kevin.com
- Medi-Cal Managed Care Provider Search
- Sacramento? dhcs.ca.gov//mmcd health plan dir
- Exemption from enrolling in a Health Care Plan
- health care options.dhcs.ca.gov
- health care options.dhcs.ca.gov/Med Exemption WEB
- You May Get A Medical Exemption If:
- • You have a complex medical condition; AND
• The care you get from your Regular Medi-Cal doctor for the complex medical condition
cannot be changed, because your condition could get worse; AND
• Your Regular Medi-Cal doctor is NOT part of a plan in your county. You may see
more than one Regular Medi-Cal doctor. If you do, have the form filled out by the
doctor who sees you most often. Ask your Regular Medi-Cal doctor if he or she is part
of a Plan in your county. This should be done before you submit this form.
- • You have a complex medical condition; AND
- You May Get A Medical Exemption If:
- Provider Search – Statewide Fee for Service
- See our webpage on IMR Independent Medical Review
What are the #threats to Medicare?
We paid for it for all our working career, can they take it away?
We have to generate economic growth which generates revenue, while reducing spending. That will mean instituting structural changes to Social Security and Medicare for the future.”
“The driver of our debt is the structure of Social Security and Medicare for future beneficiaries,”
No one should be fooled by this argument. Rubio is pursuing the classic strategy of the enemies of social insurance programs to make them increasingly irrelevant to future generations by promising cuts that the affected beneficiaries “wouldn’t really notice.” This only eases the path toward eliminating those programs outright.
But members of those future generations should take notice. Like today’s beneficiaries and those of the past, they’re paying for their future benefits with every paycheck, and they should be profoundly aware that Rubio and his fellow Republicans are merely preparing to rip them off. Los Angeles Times 11.30.2017
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Medicare was projected to become “insolvent” in 2026, three years earlier than was projected last year… Social Security is stable, and in some respects, improving fiscally. Read the actual article, this quote is what they are explaining. Los Angeles Times 6.5.2018 GOP policies have hurt Social Security & Medicare
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- Medicare’s Independent Payment Advisory Board has been killed. It was authorized by the Affordable Care Act to serve as a check on higher Medicare expenses. It was quickly labeled a death panel by opponents and became such a lightning rod that no board members were ever named.
- The rules for Medicare’s Part D drug plans were changed. The much-maligned coverage gap (or donut hole) in these plans has been shrinking for years under the Affordable Care Act, and was supposed to end in 2020, at which time consumers in the gap would pay no more than 25 percent of the costs of their drugs. That end date was moved up a year to 2019.
- Consumers who have spent a lot on drugs and have entered the so-called catastrophic phase of Part D plans will pay no more than a few dollars for each prescription or, for costly drugs, no more than 5 percent of the cost of the drug. While this percentage will not change, the responsibility for paying the other 95 percent of the cost will be borne even more heavily by the government, and is expected to save pharmaceutical companies billions of dollars. Taxpayers, of course, ultimately will be on the hook for those higher government expenses. It’s a more significant if largely invisible change.
- Medicare’s caps on covered expenses for outpatient therapyhave been officially repealed. People with persistent therapy needs have bumped against these caps for more than 20 years, and Congress has regularly eased those rules. While claims above current cap levels may be subject to review, people who legitimately need extensive therapy will not have to depend on year-to-year congressional fixes.
- Medicare’s high-income premium surcharges will carry even more of a bite for wealthier enrollees. Those making more than $500,000 a year ($750,000 for couples) will pay 85 percent of the actual costs of Part B and D in 2019, up from 80 percent this year. Most Medicare enrollees pay premiums that equal about 25 percent of these costs.
- Congress also made numerous and potentially far-reaching changes to the rules for Medicare Advantage plans.
- That includes allowing such plans to pay for limited long-term care expenses – something that until now has not been covered by Medicare.
- Air conditioners for people with asthma,
- healthy groceries,
- rides to medical appointments and
- home-delivered meals
- “As we tip the scales more in favor of Medicare Advantage, it’s to the detriment of people in traditional Medicare.”
- NPR Medicare Changes 2.14.2018 * Medicare Rights.org * PBS.org * KHN.org *
- “As we tip the scales more in favor of Medicare Advantage, it’s to the detriment of people in traditional Medicare.”
- That includes allowing such plans to pay for limited long-term care expenses – something that until now has not been covered by Medicare.
Resources & Links
CMS 2018 Annual Report on Medicare
Kaiser Foundation Medicare Spending & Financing
Jump to section on:
- Medi Cal Information & Reference Materials
- Did ACA/Obamacare change anything in Medicare?
- California AB 1400 – Cal Care
- How is Medicare Funded?
- Instant ACA/Obamacare Quotes & Enrollment
- What is Medicare for All?
- Threats to Medicare?
- Current Medicare & You Booklet
- High Income Medicare Taxes?
- Welcome to Medi Cal
- Network Limitations
Health Insurance unfortunately is very complicated
President Trump February 27, 2017
- Thus, if we haven't simplified and explained in PLAIN ENGLISH what you are looking for:
#My Medi-Cal
How to get the Health Care
You Need
24 pages
Smart Phones - try turning sideways to view pdf better
- Medi Cal Explained CHCF
- More explanation
- California Advancing and Innovating Medi-Cal (CalAIM) is a long-term commitment to transform and strengthen Medi-Cal, offering Californians a more equitable, coordinated, and person-centered approach to maximizing their health and life trajectory.
- Medi Cal Contact Information
- Our Webpages on
- Medi Cal Benefits
- Denti Cal
- Medi-Cal – MAGI Income Eligibility Criteria
-
BIC Benefits Identification Card
#Medicare10050 and You
2023 Everything you want to know
- Steve's Video Seminar Introduction to Medicare & You
- Audio from Medicare.Gov
- Clear View to Medicare Patient Advocate.org - 36 pages
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- Your Medicare #Benefits # 10116
- Don't like computers? Prefer a printed version be mailed to you? Audio MP 3
- Inpatient ONLY - How Medicare Pays for your Surgery Part A vs Part B Very Well Health.com
- medicare.gov/coverage
- Enroll in Blue Cross
- Learn about UHC United Health Care
- Enroll in Blue Shield
- Use our scheduler to Set a phone, Skype or Face to Face meeting
- TITLE XVIII—HEALTH INSURANCE FOR THE AGED - Medicare AND DISABLE
Medicare #Preventative Services Publication # 10110
Video's
- Preventative Benefits VIDEO
- Vaccines VIDEO
- Stroke Awareness Month VIDEO
- Heart Disease - Screenings under Part B
- Glaucoma explained on Medicare.Gov
- Silver Sneakers
- Medicare & You: Flu Prevention VIDEO
- Health Risk Assessment
- Our Webpage on Preventative Care – Wellness Visit – Medicare
- JFK Inaugural Address
- President Kennedy – Help our country – Not just get free benefits
Ask Not, what your country can do for you
What can you do for your country - Medicare’s Preventative Benefits
- Kaiser VIDEO Play List
- Kaiser Thrive Little Miss Sunshine
Hitler & Mental Health
Translation for the poster below:
"This person suffering from hereditary defect costs the community $60,000 Reichsmark during his lifetime. Fellow German, that is your money, too. Translation & Image Courtesy of Psychology Fantom.com
Under The T 4 program. wikipedia.org T4 Certain German physicians were authorised to select patients "deemed incurably sick, after most critical medical examination" and then administer to them a "mercy death" (Gnadentod).[7] The T4 programme stemmed from the Nazi Party policy of "racial hygiene", a belief that the German people needed to be cleansed of racial enemies, which included anyone confined to a mental health facility and people with simple physical disabilities.[31] wikipedia.org T4
The annual cost for a bed in a CDCR-operated, inpatient psychiatric program is around $301,000 lao.ca.gov *
Did Health Care Reform – #ObamaCare
make any Changes to Medicare?
Medicare Advantage
REDUCTIONS IN PAYMENTS AND OTHER REQUIREMENTS –
The federal government pays more for beneficiaries enrolled in Medicare Advantage plans than for beneficiaries in fee-for-service Medicare. [My understanding was that these plans were created to SAVE $$$] That additional funding provides enrollees with additional benefits, such as reduced cost sharing and coverage of items not covered by traditional Medicare, which are seen as necessary to attract enrollees to these managed care plans. However, all Medicare beneficiaries, not just those enrolled in Medicare Advantage plans, have ended up footing the bill for these extra payments.
The new law freezes the extra Medicare payments to Medicare Advantage plans in 2011 and begins to reduce the payments to plans in 2012. It also requires Medicare Advantage plans to pay at least 85 percent of the premium dollars they collect for medical claims. However, it also makes it possible for Medicare Advantage plans to receive higher payments if they demonstrate that they are providing high-quality care to enrollees. Health Affairs.org
Federal reimbursement rates for insurance carriers administering Medicare Advantage products to performance, as measured by the Stars rating system. Bonus payments are attached to stars ratings, and bonus revenue will be awarded, gradually increasing with maximum bonus opportunity in 2014 Wikipedia 5 Star Rating System
Medicare Part B premiums include a fee of over $43.20 more each year to subsidize Medicare Advantage plans N4A.org
I don’t have a citation, but I believe Medicare has more preventative care as Health Care Reform requires it for most everything else.
Quality Control – Medicare oversight of MAPD – Medicare Advantage Plans – Chinese Community Plan – censured insuremekevin.com
[CMS] “is establishing a policy to allow enrollees to switch plans when they are affected by significant mid-year provider network terminations initiated by their Medicare Advantage Organization without cause,”
The CMS now will require plans to give 90 days’ advance notice of “any significant changes to their provider networks in order to ensure help compliance with provider access requirements.”
Health plans, particularly UnitedHealth Group, had responded to expectations for lower rates by terminating providers from their networks—much to the surprise of doctors in Connecticut, Florida, Indiana, New Jersey, New York and Rhode Island in particular.
In October, plans said the terminations were being made in anticipation of rate cuts.
Medicare Advantage Cuts 2.28.2014
additional cuts could raise beneficiaries’ Medicare Advantage premiums by between $420 and $900 per year
wikipedia.org – Health Risk Assessment
AHIP info See our Introduction to Medicare Page
Kaiser Foundation comparison for 2017 bills
What is the #Additional Medicare Tax and Who Pays It?
Some taxpayers may be required to pay an Additional Medicare Tax if their income exceeds certain limits. Here are some things that you should know about this tax:
- Tax Rate. The Additional Medicare Tax rate is 0.9 percent.
- Income Subject to Tax. The tax applies to the amount of certain income that is more than a threshold amount. The types of income include your Medicare wages, self-employment income and railroad retirement (RRTA) compensation. See the instructions for Form 8959, Additional Medicare Tax, for more on these rules.
- Threshold Amount. You base your threshold amount on your filing status. If you are married and file a joint return, you must combine your spouse’s wages, compensation or self-employment income with yours. Use the combined total to determine if your income exceeds your threshold. The threshold amounts are:
Filing Status | Threshold Amount |
Married filing jointly | $250,000 |
Married filing separately | $125,000 |
Single | $200,000 |
Head of household | $200,000 |
Qualifying widow(er) with dependent child | $200,000 |
- Withholding/Estimated Tax. Employers must withhold this tax from your wages or compensation when they pay you more than $200,000 in a calendar year. If you are self-employed you should include this tax when you figure your estimated tax liability.
- Underpayment of Estimated Tax. If you had too little tax withheld, or did not pay enough estimated tax, you may owe an estimated tax penalty. For more on this, see Publication 505, Tax Withholding and Estimated Tax.
If you owe this tax, file Form 8959, with your tax return. You also report any Additional Medicare Tax withheld by your employer on Form 8959. Visit IRS.gov for more on this topic. You can also get forms and publications on IRS.gov/forms anytime.
Each and every taxpayer set of fundamental rights they should be aware of when dealing with the IRS. These are your Taxpayer Bill of Rights. Explore your rights and our obligations to protect them on IRS.gov.
Additional IRS Resources:
California #AB1400
Guaranteed Health Care for All
The California #Guaranteed Health Care for All Act, CalCare,
AB 1400 DIED January 31, 2022 LA Times *
We are very concerned that Medicare for All, National Health Insurance, CalCare, etc. would be like Medi Cal, not some great wonderful thing that pays for any doctor, any hospital anytime for any reason and no concern about Narrow Networks, Medical Necessity or MLR Medical Loss Ratio.
The California Guaranteed Health Care for All Act, CalCare, would provide comprehensive universal single-payer health care coverage and a health care cost control system for the benefit of all residents of the state.
CalCare would cover a wide range of medical benefits and other services and would incorporate the health care benefits and standards of other existing federal and state provisions, including the federal Children’s Health Insurance Program, Medi-Cal, & Medicare program.
The Legislature finds and declares all of the following:
(1) PPACA Obamacare still leaves many Californians without coverage or with inadequate coverage.
(2) Californians, have experienced a rise in the cost of health care including rising premiums, deductibles, and copayments, as well as restricted provider networks and high out-of-network charges.
(4) Individuals often find that they are deprived of affordable care and choice because of decisions by health benefit plans
********Then why does Medi Cal mandate that you have an Insurance Company HMO?
Why does Medicare seem to encourage Insurance Medicare Advantage Plans?
guided by the plan’s economic needs rather than patients’ health care needs.
*****And you don’t think the Government has the same problems?
(6) Billions of dollars that could be spent on providing equal access to health care are wasted on administrative costs necessary in a multiplayer health care system. Resources and costs spent on administration would be dramatically reduced in a single-payer system, allowing health care professionals and hospitals to focus on patient care instead.
***How much Fraud do we have in Government Programs?
(7) It is the intent of the Legislature to establish a comprehensive universal single-payer health care coverage program and a health care cost control system for the benefit of all residents of the state.
(b)
(1) universal health coverage for every Californian, funded by broad-based revenue.
(2) any federal funds would be paid by the federal government to the State of California
(4) Those programs would be replaced and merged into CalCare, which will operate as a true single-payer program.
(g) It is the further intent of the Legislature to address the high cost of prescription drugs and ensure they are affordable for patients.
Read the ACTUAL Bill and not just summaries….
California AB 1400
Actual Bill
- ACA Assembly Constitutional Amendment #11 – allowing taxation
- LA Times 1.7.2022
- CA Health Line 1.6.2022
- CAHIP, NAFIA & IIABCAL Opposition Letter 1.17.2022
- a $400 billion dollar price tag per year and no guarantee of better healthcare
- minimum funding shortfall of over $150 billion per year.
- benefit structure determined by what government feels it can afford, not on what the consumer may want or need..
- it does not guarantee access to medical care
- consumers who are denied coverage for a surgery, procedure or prescription by a carrier can turn to their health insurance agent for help appeals – IMR Independent Medical Review AB 1400 eliminates hundreds of thousands of jobs in California.
- Gosh, how many agents are helping people with Medi Cal for no compensation what so ever!!!
- The consumer is left undefended in the hands of a government-run single-payer bureaucracy.
- Los Angeles Times Opinion June 6, 2021 – Public Option First
One reason why nothing happened in 2021
The California legislature operates on a series of deadlines that are outlined in the Constitution and in Legislative Rules. There are deadlines to introduce bills, amend bills and have bills heard (i.e. voted on in a hearing) in a policy committee. The deadline for any bill with a fiscal component to be heard in a policy committee is next week, April 30th. On matters of health insurance and healthcare, virtually every bill has a fiscal component, so it must receive a majority of votes to pass out of policy committee (most often the Health Committee) or it is dead for the year. AB 1400 was held in the Assembly Rules Committee, and accordingly will not be heard in a policy committee in time to meet the legislative deadline necessary to advance CAHU email dated 4.23.2021
Links & Resources
#Understanding Medicare Advantage Plans (PDF) #12026
Insurance Companies get a fee from the Federal Government, when you enroll in an MAPD plan. MAPD Plans must cover all A & B services Medicare.Gov *
That's why the premium is very low or ZERO!
- Set a phone or Skype Meeting
- #Intake Form - We can better prepare for the meeting
- HMO - Narrow Networks?
- Do I just sign up with a Medicare Advantage Company and automatically get * Parts A & B or do I have to get those from Medicare.Gov * VIDEO
- Get Quotes, Full Information and Enroll
- MANDATED wording!: Think Advisor * ‘‘We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options.’’
- We disagree with the above wording, as we can use the same tools on Medicare.gov as they do!
- FYI a 4.27.2022 HHS Office of the Inspector General report found that MAPD plans denied 13% of prior authorizations that would have been covered under original Medicare (Conversely, Medi Gap, just follows what Medicare pays.)
- 88% of MAPD enrollees are happy
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MAPD plans often include Dental & Part D - Rx Prescriptions and often have NO premiums! How is that possible? The Federal Government pays them around $700/month to handle your medical care. You must continue to pay your Medicare Part B premium of about $170/month. It's best to apply when you turn 65 for the supplement plans or advantage plans, as that's the main "Open Enrollment" period, guaranteed issue for any plan.
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Medicare Advantage Plans also have an annual open enrollment now known as AEP Annual Election Period October 7 to December 15th.
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Additional Coverage is important as Medical Bills are increasing Seniors Credit Card Debt or leading to possible bankruptcy?
Prescription Drug 2022 #RxGuide
PDF # 11109
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Coverage Gap - Donut Hole $2,000 Cap
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- Premiums for those with High Income Parts D Rx & B Doctor Visits
- Medicare Rules for High Income People Medicare Costs # 11579
- Our #High Income Surcharge Video Explanation
- Our webpage on High Income Surcharge IRMAA
- Ways to pay your premium - See page 17
- Kaiser Foundation Introduction - Overview
- Medicare Rx Benefit Manual Rev 1.2016 83 pages
- Network Pharmacies, Formularies & Common Coverage Rules # 11136
- Insulin Maximum Co Pay $35
- Graphic on Part D Premium Increases & Why?
- Maximus Appeals LEP Late Enrollment Penalty
- VIDEO How Part D Late Enrollment Penalty is calculated
- Shop & Compare Tools Part D Rx
- Get Instant Quotes, Information & Enroll online
- MANDATED wording!: ‘‘We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1–800–MEDICARE to get information on all of your options.’’ § 422.2267(e)(41).
- We disagree with the above wording, as we can use the same tools on Medicare.gov as they do!
https://www.marketwatch.com/story/medicare-part-a-is-facing-a-shortfall-heres-how-that-could-affect-you-11660937409?mod=home-page&tesla=y
https://khn.org/news/article/senate-reconciliation-bill-300-billion-medicare-drug-price-negotiation-fact-check/
What Medicare Part A’s belly-up date means for you
https://insurancenewsnet.com/oarticle/medicare-for-all-would-fix-what-isnt-broken
Video – Why USA Healthcare is the most expensive
https://www.nbcdfw.com/news/politics/health-care-climate-and-taxes-heres-whats-in-the-inflation-reduction-act/3034273/
The Story of Medicare: A Timeline
https://youtu.be/693XQSujAh8
https://khn.org/morning-breakout/democrats-aim-to-shore-up-medicare-by-raising-taxes-on-some-high-earners/
https://medicalxpress.com/news/2022-06-comparison-status-quo-universal-health.html
https://www.healthcaredive.com/news/congress-action-on-medicare-finances-insolvency/625073/
https://www.benefitspro.com/2022/06/23/lowering-medicare-age-to-60-would-increase-coverage-but-also-spending/
https://www.benefitspro.com/2022/06/21/report-us-universal-health-care-could-have-saved-more-than-200k-lives-in-2020/?slreturn=20220524181019
https://www.usatoday.com/story/news/health/2022/06/23/universal-healthcare-save-american-lives-pandemic/7652206001/?gnt-cfr=1