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Archive for December, 2011

Proposal To Increase Medicare For Wealthy Seniors

Wednesday, December 14th, 2011

If you use Medicare and you are classified as part of a group of wealthy seniors, your costs may be going up soon. These proposed rate hikes are part of a GOP proposal to help offset an extension of Social Security payroll tax cuts.

How Did We Get Here

With the economy struggling to get back on track, Barack Obama has proposed measures to extend the cuts in the payroll tax and to extend unemployment benefits. With so many people out of work, and neither party wanting to seem as though they are out of touch with the American worker, a compromise on how to pay for these extended benefits has been working its way through Congress.

Debate Surrounding The Bill

The GOP has made it a priority to not raise any taxes if at all possible. Reducing the payroll tax, and then bringing it back to its previous levels, could be seen as a tax hike. However, the GOP does realize that they need to somehow bring in new revenue to offset the cost of letting this tax remain at a lower level. The GOP has decided to increase costs for seniors, but are trying to pass it off as a tax on wealthier seniors. Democrats, on the other hand, have decided that they are going to try and pass a surtax on those making more than 1 million dollars.

Who Is Impacted

While details of the bill are still coming out, various reports have indicated that those making over 750,000 dollars will be required to pay more for Medicare Part B. If the bill passes, premiums for 2012 monthly coverage will be $99.90 for those who are making less than 85,000 dollars a year. The scale slides upward gradually to $319.60 for those who are making more than 214,000 dollars. It is still unclear how much extra those who are making more than 750,000 will have to pitch in.

If this bill passes, it will represent increased costs for those making over 85,000 dollars. While no one wants to see any of their bills go up, if someone can afford to pay more, they will have to under this new legislation.

Medicare to Pay for Obesity Screening and Treatment

Thursday, December 8th, 2011

Medicare Services for the Obese

Obese seniors are less able to exercise the way younger people are, though it is certainly possible. However, they need to be careful of high impact workouts, and carefully monitor their diet so they do not lose vital nutrients and minerals. Medicare has not addressed the obesity problem in seniors in a comprehensive way, but that is about to change. Medicare has announced that they will begin paying for obesity screening and counseling as part of its services to seniors. This is intended to help the obese and prevent future recipients from becoming obese. It will make new forms of treatment available to those that previously could not afford help, and address all the complications from obesity, not just weight.

Obesity in America

Obesity has reached near epidemic levels in the United States, forcing medical providers and insurance providers to address new problems and seek new treatments for obesity. People who are obese face many complications that can endanger their lives and their quality of life. It is estimated that obesity costs the United States around 147 billion dollars a year, and will only continue to rise. This accounts for almost 21 percent of all healthcare costs. While obesity is a serious issue and impacts children and adults, seniors are some of the most vulnerable. Given their age and any other medical complications they face, obese seniors face some unique challenges.

Controversy over Medicare’s New Obesity Coverage

Not everyone is supports Medicare’s decision to expand its treatment for the obese. Some detractors argue that obesity is a self-inflicted condition and taxpayers should not be held liable for an individual’s choices. Other critics have a proposed a more sweeping approach to the obesity problem in the United States, instead of just focusing on Medicare. Some of the proposed solutions include stricter regulation of restaurants and fast food businesses, as well as more complete nutrition labels. There are also concerns that doctors and other healthcare providers are not sufficiently trained in weight-related issues to offer effective counseling or solutions to patients, and that they may not seek the proper training on top of their other responsibilities.

Common Weight-Loss Treatments

Private and public insurance companies are often willing to pay for some additional weight-loss treatments, as it is seen as preventative or curative and can ultimately keep health costs down. Each company and policy varies on what will be covered, so specific questions should be addressed to the insurance provider or broker. However, some of the most common treatments generally covered by insurance include:

  • Bariatric surgeries, including Gastric Bypass and Adjustable Gastric Bypass surgeries. These procedures create a small stomach punch that is connected to the large intestine, bypassing some of the small intestine. This allows for less food intake and better absorption of nutrients.
  • Nutritional counseling. Private or group sessions with a licensed nutritionist can help people learn to properly portion their meals and make sure they are eating healthy food instead.
  • Therapy. For some, obesity is the result of poor choices brought on by psychological problems. Therapy with a psychologist may be able to determine the underlying problems, and then treat the symptoms.


Seniors Live Longer than Ever

Living longer means paying more for health care.

A woman who retires at 65 can expect to maintain her health until the age of 84, on average.2

Retire Earlier with Peace of Mind

Men who expect high health costs after they turn 65 end up retiring – on average – 13 months later than those who don't.3