Isn't it time for Medicare to completely overhaul how it approaches senior care?
Answered by 9 licensed agents
This is a long-time debate. Some feel we need to privatize Medicare, and others feel we need to let the government control it under a one-plan-for-all. Health decisions are very private, and with that being said, many areas in the Medicare system need to be adjusted or approved, along with the idea of using newer technology.
Being a senior myself I am very pleased with the coverage that I received, although like everything in life most things can be improved upon. Health care in general could probably use some improvements in many ways.
Medicare is health insurance. It is no different than your employer’s health insurance. When you get a MAPD plan it provides extra benefits.your typical Medicare plan has a cost value of about $12000 per year. It is paid. For by your Part B charge and Medicare tax.
If you want it for free, you would need to get crease your personal taxes.
Yes, it’s time for an overhaul. Medicare’s core structure doesn’t match today’s senior care needs. A system that prioritizes prevention, tech, and comprehensive benefits would better serve an aging, tech-savvy population. But the scale of change required—financially, politically, administratively—means it’ll likely come in fits and starts, not a grand redesign. For now, your best bet is leveraging Advantage plans or advocating for specific reforms like DTx coverage.
Traditional Medicare and even Medicare Advantage may not fully meet the diverse and evolving needs of all seniors, particularly those with chronic conditions or significant health needs.
The current system can be confusing and difficult to navigate, leading to errors and potential financial losses for beneficiaries.
Reforms to Medicare are likely to face political opposition and may require significant compromise.
With 67+ million people on Medicare, it's an extremely large system. Any changes will have drastic impact across many industries. While change is absolutely necessary, it cannot be something that happens haphazardly.
Medicare should have always provided dental, hearing aid etc for seniors . These are things seniors need. That's where the Medicare advantage plans come in. The reasoning behind Medicare advantage plans is that it takes the risk away from Medicare and puts it in the hands of insurance companies. Also the incentive behind the health club membership in the Medicare advantage plans is that they have to pay out less if their client base is healthier. Whether Medicare can provided these same services is questionable.
Medicare is a complex system with many moving parts. There's constant updates and changes to make it more efficient, user friendly and better for everyone on Medicare.