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General Medicare Information

medicare for all plan

Medicare For All Plan – Biden, Warren, Sanders

Medicare For All Plan – Biden, Warren, Sanders

Which Medicare For All plan would you vote for? We’ll take a close look at each democratic candidate’s healthcare plan: Joe Bidden, Elizabeth Warren, and Bernie Sanders. Visit our Facebook page and let us know which plan you would vote for.

Medicare For All
Biden, Warren, and Sanders: Which healthcare plan do you support? Tell us on Facebook.

Bernie Sander’s Medicare For All Plan

Bernie Sander’s plan is to make a health care a human right. Bernie’s plan specifically says the “United States will join every other major country on earth and guarantee healthcare to all people as a right. All Americans are entitled to go to the doctor when they are sick and not go bankrupt after staying in the hospital.”

Bernie’s Key Points

  • Create a Medicare for All, single-payer, national health insurance program to provide everyone in America with comprehensive health coverage, free at the point of service.
  • No networks, no premiums, no deductibles, no copays, no surprise bills… Medicare to include dental, hearing, vision, and home- and community- based long-term care, in-patient and out-patient services, mental health and substance abuse treatment, reproductive and maternity care, prescription drugs, and more.
  • No one in America pays more than $200 a year for the medicine they need by capping what Americans pay for Medicare for All.
  • Allow patients, pharmacists, and wholesalers to buy low-cost prescription drugs from Canada and other industrial countries with the Affordable and Saft Prescription Drug Importation Act.

As president, Bernie Sander’s Medicare For All plan in the first year is to lower Medicare eligibility from 65 down to 55 years of age. Watch Bernie’s video:

Elizabeth Warren Medicare For All Plan

Elizabeth Warren’s plan is to reduce healthcare costs in America and transition to Medicare For All. In addition, Warren defends Medicaid and the Affordable Care Act. Elizabeth supports Medicare for All. However, Warren’s plan provides no timeline for implementing Medicare for All. In general, she wants to provide all Americans with a public healthcare program. Warren’s plan gives every single person in this country a guarantee of high-quality healthcare. In particular, Warren’s healthcare plan covers everybody and nobody goes broke because of medical bills. Watch Warren’s present the details of her Medicare for All plan in the video below:

Warren’s Plan to Pay for Medicare for All

Warren’s Medicare for All health care plan is the first to layout the full cost and how to pay for it. Her plan does not raise middle-class taxes by one penny. She says, “If we make no other changes over the next ten years, Americans will reach into their pockets and pay out about 11 Trillion dollars on insurance premiums, copays, deductibles, and uncovered medical expenses. Warren’s plan reduces these costs to zero. Sort of like an 11 Trillion tax break! So we have two choices: we can maintain the status quo or choose Medicare For All.

Warren medicare for all plan

Warren says, “You might be asking how can we possibly provide better coverage to more people for less money?” First, Warren says, “Under Medicare For All, we reign in the corruption, the waste, inefficiency, and corporate profiteering. That is money we can save and spend on actual care. So we pay less overall for health care to get more real health care coverage.”

Second, Warren’s plan changes the structure of who pays for healthcare in America, and how. Warren says, “We will take the $11,000,000,000,000 projected out-of-pocket health care costs over ten years and make that number zero. No more premiums, copays, deductibles, or out-of-network bills. For middle class families, that means thousands of dollars back in your pocket every year.”

Who Pays For Warren’s Medicare For All Plan

Under Warren’s plan existing federal and state spending (Medicare, Medicaid) stay the same. No new taxes or costs for the middle class. Warren says, “You are already done paying into Medicare and Medicaid. Business costs stay about the same – they will pay Medicare instead of private insurers.” For more Medicare information visit our Medicare Blog.

Furthermore, Warren says, “We will cover the rest of the costs with new taxes on the financial industry, big corporations, and the top 1%. We crack down on tax evasion and fraud by the wealthy and big corporations. So for the top 1%, they are going to have to pay their fair share. Moreover, corporations are finally going to have to pay the taxes they are meant to pay just like everyone else.

That is Elizabeth Warren’s Medicare for All plan. It covers everyone. It is fully paid for. Moreover, independent economist have verified it is doable. All it takes is the courage to fight for it.

Warren says, “Insurance companies and drug companies will spend tens of millions of dollars in political contributions and disinformation campaigns to try and keep tens of billions of dollars in profits flowing into themselves. That is corruption – plain and simple. We have to call it out and we have to fight back against it. Because like any big idea, you do not get what you do not fight for. We need a health care system that recognizes that health care is a human right.” Warren will fight to get it done.

Joe Bidden Obama Care Plan

In the first Democratic debate in Miami, the question was asked, “Do we support eliminating private health insurance?” Biden said, “Absolutely not.” Therefore, Joe Bidden does not support Medicare For All. Joe Biden believes, “We need to protect and build on Obama Care”. Biden proposes a public option to Obama Care as, “the best way to lower costs and cover everyone.”

Joe Biden does not support Medicare for All because it gets rid of Obama Care. As President, Joe Biden, plans to promote and build upon Obama Care. Watch Joe’s video below.

Medicare Annual Wellness Visit

Medicare Annual Wellness Visit

Medicare Annual Wellness Visit (AWV) is a yearly appointment with your primary care provider (PCP) to develop or update your personalized prevention plan. The AWV helps you prevent disease and disability based on your current health and risk factors.

Annual Wellness Visit is FREE

medicare annual wellness visit

Medicare will pay for your Annual Wellness Visit (AWV) when the following is true:

  • It have been 12 months or longer since your last AWV. Otherwise,12 months since your Initial AWV also called Welcome to Medicare Visit
  • During this 12 month period you have had Medicare Part B

If you qualify, Medicare Part B covers your AWV at 100% of the Medicare-approved cost. Moreover, there is $0 deductible. So you do not pay the $198 Part B deductible in 2020. Therefore, you pay nothing (no deductible and no coinsurance).

However, if you AWV uncovers the need to investigate or treat a new or existing problem, Medicare may bill you for any diagnostic care.

Your First Annual Wellness Visit

Your first AWV maybe your Welcome to Medicare Visit if it occurs within the first 12 months of enrolling in Medicare Part B. During your initial visit, your primary care physician will cover the following:

Health Risk Assessment – you fill out the form show on the right. The health assessment includes the following:

  1. General HealthTobacco and Alcohol Use
  2. Nutrition
  3. Physical Activity
  4. Sleep
  5. Functional Status Assessment
  6. Pain Assessment
  7. Home/Safety
  8. Depression

Provider Consultation – reviews your Health Risk Assessment and addresses the following:

  • Psychosocial risks
  • Behavioral risks
  • Activities of Daily Living
  • Establish list of current providers and suppliers
  • Establish your medical/social and family history
  • Physical Exam includes your height, weight, body mass index, blood pressure, visual acuity, and other factors based on your assessment
  • Establish or detect any cognitive impairment you may have

Personalized Prevention Plan – a list of risk factors and conditions for which primary, secondary, and tertiary interventions are recommended. In addition, you will be furnished personalized health advice and referrals, as appropriate, to health education or preventive counseling services or programs such as:

  • Alcohol misuse counseling
  • Obesity counseling
  • Tobacco use cessation counseling
medicare annual wellness visit health risk assessment
visual acuity testing
medicare annual wellness visit AWV

Your Subsequent Annual Wellness Visits

After your initial AWV, you can follow-up for FREE every 12 months. Health conditions changer over time. Therefore, it is in your best interest to visit your primary care physician on an annual basis. Here is what you can expect during your subsequent AWV:

  • You can update your medical/family history
  • In addition, you can update the list of current providers and suppliers who provide you with medical care.
  • Check your weight (or waist circumference), blood pressure, and other routine measurements
  • Detection of any cognitive impairment
  • Updates to your personalized prevention plan
  • Receive personalized health advice and referrals to health education, preventive counseling, and programs

How to Make An Annual Wellness Appointment

The Washington Post published an article about a lady on Medicare named Beverly Dune. She, “called her primary care doctor’s office to schedule an annual checkup, she assumed her Medicare coverage would pick up most of the tab. The appointment seemed like a routine physical, and she was pleased that the doctor spent a lot of time with her. Until she got the bill: $400.”

It is very important that when you call your doctor to make an appointment use the words, “annual wellness visit.” Otherwise, if you use the words, “Annual Physical” the visit can cost you $400! A physical exam is more comprehensive than a wellness visit. For example, a physical is a full-body examination where the doctor exams your head, neck, lungs, abs, reflexes and neurological responses. In addition, physicals usually include blood and urine lab testing. Therefore, make sure you use the words “annual wellness visit” when you schedule your doctor’s appointment.

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