If you could change one thing about the Medicare system, what would it be and why?

Question

Linda Bolan · Accepted Answer

Medicare is very complex. The cost of prescription drugs are high and it's difficult for some clients to fill their prescriptions due to the cost. It would be great if pricing was adjusted for Medicare clients

Answered by Linda Bolan on March 12, 2025

Agent Licensed in IN

Answered by Linda Bolan Medicare Insurance Agent

Brian Moore · Answer

If I could change one thing about the Medicare system, it would be to tighten the oversight and regulations around soliciting and advertising to beneficiaries, because even with recent efforts to curb misleading tactics, I still see folks overwhelmed by confusing ads and high-pressure pitches that don’t always prioritize their best interests. The rules have gotten stricter—like requiring Medicare Advantage plans to get prior approval for TV ads in 2025 and holding plans accountable for third-party marketers—but beneficiaries are still bombarded with mailers, calls, and promises of “free” benefits that gloss over limitations like narrow networks or copays. Stronger enforcement, clearer standards, and maybe even a centralized opt-out system could cut through the noise, giving people a fair shot at choosing what’s right for them without the clutter of persuasive gimmicks.

Answered by Brian Moore on March 27, 2025

Broker Licensed in OH

Answered by Brian Moore Medicare Insurance Agent

James Carlson · Answer

Medicare should allow agents not have to review and test annually.  We should have reviews less often.  Renew every 3-5 years.

Leslie Helene Sussman · Answer

Take away the Part D penalty when a Medicare Client does not enroll in a Prescription plan.

John L Herman Jr · Answer

Make it more consistent.  Insurance Carriers change Plans too often…do not have the same benefits as other Carriers.  But assuming Medicare stays as confusing as it is today…then make Brokers more available to educate people in settings that are available to more Seniors.

Letting Brokers “sell” Medicare is too easy…meaning they allow rookies to enroll clients…and even have Insurance Carriers slamming people with phone calls selling Plans by people with limited qualifications.

Chris Prang · Answer

There are numerous things that I would change. But if I had to start with one, it would be replacing the existing Medicare Supplement options with Medicare Supplements that are based on unchanging annual deductible amounts that apply/go towards both Part A and Part B.

Presently, depending on age, there are 10-12 Medicare Supplements to choose from. But there are really only two that people pick from...the Plan G and the Plan N. And a very small percentage pick the High-Deductible G. So it's clear, Medicare doesn't need 10-12 options. 

The deductible options would be something like $500, $1,000, $1,500, $2,000. These deductible amounts would never change each year like the Part A and Part B deductibles do and like the High-Deductible G does as well. 

This would be much simpler and easier to understand.