Health Reform and Secession

I live in Virginia. My attorney general has challenged the legality of the new federal health reform law and a US District Judge appointed by former President Bush gave his case the green light this week.

The AG’s case is based on a state’ rights issue that reminds me eerily of why the United States had a bloody and obviously inconclusive civil war.  He and those like him believe the federal government does not have the power to enact a law that the attorney general (and his Tea Party friends) do not like.

I actually live in what I’m sure those from Richmond south call the People’s Republic of Northern Virginia. I can tell you that many people here do talk of seceding, but from the Commonwealth of Virginia not the United States of America.

For most of my adult life I have been an advocate for older Americans. But I have also been a vocal proponent of health care reform for more than 30 years. To me what passed is a generous gift to the private  health insurance industry allowing them to reap enormous future profits. This law is hardly socialism.

And, yes it does punish those companies a bit, taking away an enormous subsidy for running Medicare Advantage Plans at taxpayer expense (saving us all a pretty penny). But, the law adds new benefits to Medicare and plugs the donut hole in Medicare prescription drug coverage.

This attorney general is ethically challenged. He would rather see families go broke because they can’t afford health coverage or have a son with cancer requiring $100,000 a year go bankrupt. He would rather see me pick up the tab for the care of people who crowd emergency rooms and have no coverage at all (it’s called cost shifting but that’s a long story).

I wonder if Arlington would be our state capitol. Or, maybe Manassas would be more appropriate.

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Elder Justice Act Passes: Part of Health Reform

It is with great pleasure that advocates for the nation’s elderly celebrate the passage of the Elder Justice Act today. It has been a long time coming.

While it will not stop elder abuse, it will help to educate and prevent much abuse and fund those who provide the help and protect our elders. Let’s thank legislators who voted for health reform for their efforts on behalf  of the nation’s elders.

But it doesn’t stop. In order for the legislation to count, there needs to be a renewed effort to fund programs such as adult protective services. Many states have cut programs drastically.

The Elder Justice Now campaign showed how important the work of those advocates is in the lives of elders and their families.

So, get involved and take action through the Elder Justice Now site and stay informed about this important issue through subscribing to updates from the Administration on Aging’s Center for Elder Abuse.

And, write your Democratic Senators and House members today. Thank them and also urge them to not forget to fund the Elder Justice Act so the legislation isn’t just some words on paper. Our elders are counting on us.

What Few Seniors Know about Health Reform

I hope that older Americans and their advocates understand the good that will come from passage of health reform. Closing the Medicare Part D donut hole will help millions of older Americans who struggle to pay for prescription drugs. The Elder Justice Act, which is embedded in the law, will help seniors who are victims of this silent and horrible crisis. Let’s get behind the name calling, the lies and the scare tactics and praise this historic achievement on behalf of the American people, not just the nation’s seniors.

It is truly amazing how well the Republican message machine has worked to discredit health reform. They have even scared most people over 65 into thinking that this effort will mean the death of Medicare.

In musing about this whole thing, I put my memory cap on. When I first came to Washington, I worked for the Blues and then for the health insurance industry. What I learned was that the only reason the for-profit insurance industry got into health insurance in the first place was to sell life insurance. At board and committee meetings, I listened to CEOs and others brag about how they were blowing the Blues out of the water and their group life insurance sales went through the roof as they encroached on what was a non-profit niche.

Honestly, the time for universal coverage being a simple proposition has long past. When Blue Cross and Blue Shield was still only non-profit organizations in every state and covered most working Americans was the time to have taken this action. Now it seems like a hopeless mess which will only enrich private insurers who must make a profit from health care; they consider it a commodity like any other. Not a right.

The private insurers are entrenched. Almost monthly, I have to use my waning knowledge of contracts (I used to write plain language health insurance booklets) to appeal a denied claim from my wife’s for-profit insurer. Most of the time, I win out, but not without a lot of back and forth and making veiled threats. This is no way to run a system.  I’m afraid that health reform will not do anything to stop these expensive, frustrating and often frightening tactics.

I digress. A bright spot in the health reform bill under consideration by the Senate is that the Elder Justice Act is in their bill. The House has deferred including it since the Dems see no political benefit in its inclusion at this point. In fact, it was sponsored by a Republican who will likely vote against the whole bill anyway. Amazing how it all works.

The Act will do much to prevent elder abuse, protect seniors, educate law enforcement and financial institutions, and prosecute sometimes horrendous crimes. So, there is something in health reform for seniors. And, from what I can tell, health reform will not dismember Medicare; in fact it may boot out some of the for-profits who have scammed seniors and the government itself for years under the rubric: Medicare Advantage Plans.

I think the fact that the Elder Justice Act has some life to it in health reform is due in no small part to the Elder Justice Now campaign. I am proud to have been a part of it. Please visit www.elderjusticenow.org, view a few videos and take action on behalf of older Americans.

Long Term Care Too

As you listen to the drum beat of criticism and negative reactions to health reform and hear the loud screams from seniors worried about their Medicare, please note that the health reform law includes an important new benefit covering long term care at home.

Not many years ago, Congress in its wisdom passed what was called the Medicare Catastrophic Act, then rescinded it in lightning speed when certain seniors rebelled and called for its repeal. Sadly, this legislation would have protected millions of American families from the devastating costs of long-term care and was a missed opportunity to solve a vexing issue.

The late Sen. Kennedy sponsored a bill called the “CLASS Act,” which Congress in its wisdom rolled into the final health reform package. This move will mean that over time those who opt to pay a premium to the government will have coverage for long term care at home. It does not include payment for care in a nursing home.

For those like me who purchased long term care insurance, we are waiting to see how insurance companies will react to this. My policy, like so many others, covers home care. It is likely that many companies will develop what is called wraparound policies similar to Medigap, but we will have to wait and see.

For someone who has been involved in more than one national campaign to secure long term care coverage for older Americans, this new benefit is truly incredible. And, like health reform itself, something that I thought I would not live to see.