I-Medicare Advantage ayiyo-Medicare: yi-inshurensi yezempilo yabucala yabantu abadala ehlawulwa ubukhulu becala ngeedola zethu zerhafu. Benza imali yabo ngokukhanyela amabango rhoqo ...
Ngaba ufuna ukutyala imali kwi-scam ekuvumela ukuba wenze iibhiliyoni ngaphandle komngcipheko? Ukuba usisityebi ngokugqithisileyo, konke okufuneka ukwenze kukuvula okanye ukuthenga inkampani yeinshurensi ebonelela ngezicwangciso ze-Medicare Advantage.
Kwaye ngoku, amaRiphabhlikhi athi ukuba aphinda athathe i-White House aya kuyenza ukutshintsha imithetho Medicare ukuze abantu abasandul 'ukuguqula i-65 baya kubhalisa ngokungagqibekanga kwi-Medicare Advantage endaweni yokwenyani, iMedicare yendabuko, iphucula ngakumbi inzuzo yezi zikhulu ze-inshurensi ezinkulu, iibhiliyoni zeedola ngelixa zibulala ngokukhawuleza i-Medicare yokwenyani.
Esi sisiphelo sesicwangciso sexesha elide.
UGeorge W. Bush wagijimela zombini iCongress (ngo-1979) kunye neNdlu ye-White House (2000) ethembisa ukuba i-Privatize Social Security and Medicare. Ngo-2005 wazama ngamandla ukuba uKhuseleko lweNtlalo lwabucala, ukucwangcisa ukhenketho lwezixeko ezininzi kulo lonke elaseMelika ukukhuthaza umbono.
Waye "nenkunzi yezopolitiko" ekuphumeleleni unyulo luka-2004 ngokusekelwe kubungqina bakhe "bomongameli wemfazwe" kwaye, wathi, wayeza kuyisebenzisa.
Okukhona ebeka izicwangciso zoKhuseleko lwezeNtlalo zabucala, nangona kunjalo, kokukhona abantu bengawuthandi lo mbono: UBush wayeka malunga nesiqingatha sokhenketho lwakhe. Kodwa kungekhona ukulila: wayesele ethathile intsimbi kwi-Medicare kwi 2003, ukufumana isiqingatha somsebenzi wabucala owenziwe ngokudala i-Medicare Advantage scam.
Yayiyenye yobona bungqina bukhulu kumandla okuphembelela kunye nokunyotywa kwezopolitiko kwimbali yanamhlanje yaseMelika.
Inxalenye emangalisayo kukuba i-Medicare Advantage hayi I-Medicare: yi-inshurensi yezempilo yabucala kuphela yabantu abadala ehlawulwa ubukhulu becala ngeedola zethu zerhafu.
NgeMedicare yokwenyani, ukuba ugqirha wakho uthi udinga uvavanyo okanye inkqubo, ufumana uvavanyo okanye inkqubo. Akukho mibuzo, akukho kulibaziseka, akukho ngxaki. Akukho mvume yangaphambili.
Nge-Medicare Advantage, nangona kunjalo, kuba iqhutywa ngeenkampani ezinkulu ze-inshurensi ekufuneka zijonge indlela yokukhupha iibhiliyoni ukuya phezulu ukuze zanelise abanini-zabelo, phantse yonke into oyenzayo iya kufuna imvume yangaphambili yinkampani yakho yeinshurensi.
Benza imali yabo nge Ukukhanyela rhoqo malunga ne-18 yepesenti kuwo onke amabango - i-1.5 yezigidi zamabango kwi-2019 yedwa - ishiya abanikazi bemigaqo-nkqubo ye-Advantage ngokukhetha ukungafumani iimvavanyo okanye iinkqubo abazidingayo okanye ukuzihlawulela ngaphandle kwe-pocket. (I-Real Medicare ayilokothi iwakhanyele nawaphi na amabango, njengoko kungafuneki ukuba yenze inzuzo kwiibhiliyoni zaseWall Street.)
โUZiggyโ ngumntu osoloko efowuna kumdlalo wam kanomathotholo/kamabonakude kwaye kwiveki ephelileyo wabelane nathi ngamava akhe kwi-ER yesibhedlele kwiveki ephelileyo. Njengoko wayephuma kuvavanyo esiya kuvavanyo, abantu abangena esibhedlele kwangaxeshanye kwafuneka balinde kuba isibhedlele sasilindele ukuvunywa kwangaphambili kwiinkampani zabo ze-inshorensi ze-Advantage. Omnye umfana kwafuneka alinde ubusuku bonke kuba inkampani yayicotha kakhulu ekuvunyweni kwabo.
UZiggy uneMedicare yokwenyani, yemveli enesicwangciso seMedigap, nangona kunjalo, akunyanzelekanga ukuba alinde into. Kwamnika ithuba lokufundisa abantu abahluphekayo abamngqongileyo malunga nomahluko phakathi kweMedicare yokwenyani kunye nezicwangciso ezibizwa ngokuba yi-Advantage eninzi kakhulu. hayi I-Medicare.
Kwincwadi yam Imbali efihliweyo yokhathalelo lwempilo lwaseMelika: Kutheni ukugula kukubhuqa kwaye kwenza abanye batyebe ngokuphambanayo, Ndibeka ibali lobu buqhetseba kunye nendlela embi ngayo abantu baseMelika abaninzi - kunye nathi bahlawuli berhafu baseMelika - bahluthwe yiyo.
Ezi nkampani zinkulu ze-inshorensi zakrazula abarhafi bafikelela kwi-140 yeebhiliyoni zeedola, ngokutsho umbiko ku OoGqirha beNkqubo yeSizwe yezeMpilo (PNHP). Ukuba bekungekho scam seMedicare Advantage esopha yonke loo mali, iMedicare yokwenyani inokwandiswa ukugubungela amazinyo, umbono, kunye nokuva kwaye nokuphelisa imfuneko yezicwangciso zeMedigap.
Kodwa okwangoku, uloliwe wegravy usaqhubeka nokuqengqeleka. Izigebenga zeinshorensi zisebenzisa enye yaloo mali ukuthenga abawisi-mthetho kwaye enye yazo ikhohlisa abantu abadala ukuba bajoyine iinkqubo zabo. Inkampani (i-Benefytt) eqesha i-Joe Namth ukuba ifake i-Medicare Advantage, umzekelo, yabethwa ngeentlawulo ezinkulu yi-Federal Trade Commission ngenxa yentengiso ekhohlisayo.
Ukukhutshwa kweendaba zeFTC wayibeka phandle:
โI-Benefytt ifake epokothweni izigidi ezithengisa i-inshurensi yobuqhetseba kubantu abadala nakwabanye abathengi abajonga impilo,โ utshilo uSamuel Levine, uMlawuli we-FTC's Bureau of Consumer Protection. "Inkampani iyalelwa ukuba ihlawule i-100 yezigidi zeedola, kwaye sibambe abaphathi bayo ukuba baphendule ngobu rhwaphilizo."
Nangona kunjalo, amaZiko eeNkonzo zeMedicare ayaqhubeka nokuvumela i-Benefytt kunye ne-Namath ithengise ezi mveliso: wamkelekile kumandla emali ehleliweyo.
Kwaye enkulu imali ehleliweyo. Izicwangciso ze-Medicare Advantage ziinkomo ezinkulu zemali kwiinkampani eziqhubayo. Njengoko uCigna elungiselela ukudityaniswa, umzekelo, banyanzeliswa ukuba bathengise icandelo labo le-Medicare Advantage: icwangciselwe ukuya. $ 3.7 billion. Akukho mntu uhlawula olo hlobo lwemali ngaphandle kokuba ulindele imbuyekezo enkulu.
IMedicare yesiNtu isebenzela abantu baseMelika kakuhle ukusukela ngo-1965: yenye yezona nkqubo zisebenzayo zokuhlawulela ukhathalelo lwempilo olwakhe lwayilwa. Kodwa akukho mntu wayesenza imbuyekezo, ngoko ke akukho mntu wayenokwabelana ngezo ngeniso noosopolitiki ababawayo. Ngena kwi-Medicare Advantage, ngoncedo lukaGeorge W. Bush.
Ngelixa amatyala amaninzi anikezelwe kwiCongress ukwenza into malunga noku - kubandakanya Gcina i-Medicare Act oko kuya kuphelisa ezi nkampani amandla okusebenzisa igama elithi "Medicare" kumagama abo omgaqo-nkqubo kunye neentengiso - izixa zemali ezijikelezayo kwi-DC kwindawo yokunakekelwa kwezempilo ngoku ziphantse zingenakulinganiswa.
Yonke ngomnye umzekelo ongaphezulu wendlela abantu abahlanu abarhwaphilizayo abarhwaphilizayo kwiNkundla ePhakamileyo yase-US evumela ukunyotywa kwezopolitiko ngokusemthethweni baye batyhola abantu baseMelika kwaye benza iqaqobana labaphathi boshishino kunye nabatyali-mali babe zizityebi ngendlela emangalisayo.
Ukuba iidemokhrasi ezi kuwa zingathatha uninzi olwaneleyo lweNdlu kunye neSenethi kwaye zibambe i-White House, mhlawumbi sinokwenza okuthile malunga noku. Ngokuqinisekileyo singabanqanda ekutyhaleni abantu abadala abatsha-65 kwiinkqubo ze-Advantage njengento engagqibekanga.
The YeyoMthetho waBantu, owabulawa xa uJoe Manchin kunye noKirsten Sinema behamba kunye ne-united Republican filibuster kwi-Senate, bekuya kuba kunciphisa kakhulu amandla emali emnyama kunye nephulo lokunyotywa.
Ukuba ekugqibeleni sinokuyidlulisa okanye into efana nayo, ngoko sinokuzama ukulungisa i-Medicare yokwenyani ngaphandle kokuba abezopolitiko bethu badanise kumculo we-Big Insurance's Big Money.
I-ZNetwork ixhaswa ngemali kuphela ngesisa sabafundi bayo.
Nikela