Medicare is important to millions right now, and is being discussed as a basis for universal health care.
But before that can happen, we need to improve and protect the Medicare program we have. We need to keep it whole and working for all present and future beneficiaries.
Today, 59 million older people and people with disabilities have health care because of Medicare. Most Americans say Medicare works well. But it can be even better.
to Improve Medicare for all beneficiaries,
now and in the future
1. Consumer Protections and Quality Coverage for All Medicare Beneficiaries (Including Parity Between Traditional Medicare and Medicare Advantage)
Cap out-of-pocket costs in traditional Medicare
Require Medigap plans to be available to all individuals in traditional Medicare, regardless of pre-existing conditions and age (“Guarantee Issue” and “Community Rating”)
Ensure all benefits in Medicare Advantage are also available in traditional Medicare
For example, include all MA “supplemental benefits,” waiver of 3-day prior hospital stay requirement for SNF coverage, coverage for home health aides, coordinated care
Simplify enrollment in traditional Medicare, Part D and Medigap, and ease transitions from other insurances to Medicare
Improve consumer protections in Medicare Advantage
Standardize benefit packages
Strengthen network adequacy requirements
Strengthen plan oversight
Strengthen marketing protections
Ensure parity between mental health and physical health coverage
Ensure the Medicare appeals system is cost-effective, accessible and fair
2. Reduce Ongoing Barriers to Care
Eliminate the harm of hospital “Observation Status”
Home Health – Ensure access to coverage is actually available for all beneficiaries who meet coverage criteria, ensure access to legally authorized home health aides, resolve conflicts between payment models and coverage laws
Jimmo Implementation – Ensure beneficiaries with longer-term, chronic, and/or debilitating conditions have full access to skilled nursing, therapy and related care needed to maintain their conditions or slow decline
3. Improve Traditional Medicare
Add oral health, audiology, vision coverage
Restructure Medicare to make it comprehensive, simpler and affordable
Increase Low-Income Protections in the Medicare Savings Program (at least on par with ACA subsidies)
Long-term Care – Add coverage over time. For now, make incremental improvements (For example, repeal homebound requirement for home health coverage, repeal requirement that individual need skilled care and be homebound to qualify for home health aide coverage, repeal requirement that DME generally be needed in the home)
We need to improve Medicare, not cut it. Let's renew it, strengthen it and then expand it for generations to come.