Opinion: Ouch. That âfreeâ annual checkup might cost you. Hereâs why, Washington Post, January 24, 2024, by Elisabeth Rosenthal
When Kristy Uddin, 49, went in for her annual mammogram in Washington state last year, she assumed she would not incur a bill because the test is one of the many preventive measures guaranteed to be free to patients under the 2010 Affordable Care Act. The ACAâs provision made medical and economic sense, encouraging Americans to use screening tools that could nip medical problems in the bud and keep patients healthy.
So when a bill for $236 arrived, Uddin â an occupational therapist familiar with the health-care industryâs workings â complained to her insurer and the hospital. âŠ
The ACAâs designers might have assumed that they had spelled out with sufficient clarity that millions of Americans would no longer have to pay for certain types of preventive care, including mammograms, colonoscopies and recommended vaccines, in addition to doctor visits to screen for disease. But the lawâs authors didnât reckon with Americaâs ever-creative medical billing juggernaut. âŠ
[HJM: see the article for more examples of this âbilling minefieldâ. And see also
The colonoscopies were free but the âsurgical traysâ came with $600 price tags]
Republicans Are Planning to Totally Privatize Medicare â And Fast, Rolling Stone, February 5, 2024, by Andrew Perez
The right-wing policy agenda written for a new Donald Trump presidency would âgreatly accelerateâ efforts to privatize Medicare.
Last year, for the first time ever, a majority of Americans eligible for Medicare were on privatized Medicare Advantage plans. If Republicans win the presidential race this year, the push to fully privatize Medicare, the government health insurance program for seniors and people with disabilities, will only intensify.
Conservative operatives have already sketched out what the GOPâs policy agenda would look like in the early days of a new Donald Trump presidency. As Rolling Stone has detailed, the proposed Project 2025 agenda is radically right-wing. One item buried in the 887-page blueprint has attracted little attention thus far, but would have a monumental impact on the health of Americaâs seniors and the future of one of Americaâs most popular social programs: a call to âmake Medicare Advantage the default enrollment optionâ for people who are newly eligible for Medicare.
Such a policy would hasten the end of the traditional Medicare program, as well as its foundational premise: that seniors can go to any doctor or provider they choose. The change would be a boon for private health insurers â which generate massive profits and growing portions of their revenues from Medicare Advantage plans â and further consolidate corporate control over the United States health care system.
Comment:
By Jim Kahn, M.D., M.P.H.
We know very well that the fundamental purpose of the private health insurance business is to make money for shareholders. HJM has highlighted the massive profits which are enhanced by high financial barriers to care and tens of billions of dollars in overcharges to public payers like Medicare.
Now we learn of two more startling examples of shady business tactics, present day and dystopian future.
1) Creative billing. A mandated benefit of the Affordable Care Act is free-to-the-patient preventive care. That is, insurers pay fully. But sometimes they donât. It turns out that segmenting prevention services into pieces, or piling on non-prevention services, hits patients with hundreds of dollars in fees. Not free! Reminds me of the massive âconvenience,â âprocessing,â and âdeliveryâ fees imposed when renting or purchasing a car, buying concert tickets, or banking. Idiosyncratic provider billing confuses matters. But insurers have an incentive to be negligent â if they fail to assure that charges are appropriately bundled in a prevention package, it lowers their costs as some costs land with patients.
2) âDefault Enrollment to Medicare Advantageâ. This scheme is in the dystopian Project 2025 laid out by the MAGA GOP â a 920-page blueprint for far-right policy implementation if Trump wins in 2024. Buried deep in the text is the idea that the choice of traditional Medicare vs. Medicare Advantage should âdefaultâ to the latter. That is, unless new Medicare beneficiaries âopt outâ of MA, theyâre stuck with it, and with the MA problems (like financial barriers and narrow networks) which weâve written about. How much does this matter? A lot â one academic review estimated a 27% shift, e.g., from 40% MA to 67% MA. The exact effect will depend on wording, and could be a lot more. This is âbehavioral economicsâ â e.g., nudging actions through choice framing, wording, or visual layout. If in the interest of helping people (e.g., eat healthier), terrific. If in the interest of building profits for shareholders with public money, terrible.
We need a single, government payer. It will end complex billing rules and manipulations to increase insurer profits. It will turn health insurance into a public good optimizing public benefit.
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