I still retain some hope that health care and health insurance reform can be enacted this year. We are in a crisis situation — one that has been in the making for a generation or more.
One of the scare tactics that the GOP has used to gin up opposition is the specter of government bureaucrats “getting between you and your doctor.” In my experience, those government bureaucrats would be a welcome change from the insurance company bureaucrats. Too often, once you get past the automated “answering system” and are connected with a real person, you find that you’re talking to Dingbat Number 47 or her evil twin. From there you’re passed from one person to the next while all you want is the answer to a relatively simple question — from someone who is SUPPOSED to know the answer. Given that experience, it’s not particularly surprising that people can be made to expect that dealing with government bureaucrats will be even worse.
However, there are two main government bureaucracies that all of us will deal with, if we live long enough. When I signed up for early Social Security, I did it online. It was very straightforward. It took about 15 minutes to enter the required information into the Social Security Administration database. Once I’d finished, I had an opportunity to review the information and make any corrections before submitting it. The next day, I received a phone call from my local Social Security office. A very nice person took a few minutes (no more than 10) to review my application, informing me that my information had been verified and giving me the date each month when my checks would be automatically deposited into my checking account. And they have been. Each and every month since then. When I become eligible for Medicare, I will be enrolled automatically! When my husband applied for Medicare, the individual he spoke with asked if he was still working, if he had a projected retirement date, and answered his questions about how Medicare interfaces with his employer-based insurance. As part of the same phone call, the Social Security bureaucrat volunteered information about when to apply for fully Social Security benefits and gave him precise information about the implications of receiving Social Security while still working. When he did apply, by telephone rather than online, the individual asked to speak to me. While we were not married when I applied for benefits, the bureaucrat informed me that my own checks would increase by about $100 a month due to the fact that we are now married. It was simple, straightforward, proactive and professional.
I’m not alone in this experience. I urge you to read this. It represents the experience of so many.
As I’ve written before, my mother-in-law is in failing health. She spent 10 days in the hospital last summer after a serious fall, followed by three weeks in a rehab facility before she moved to an assisted living facility. As part of that transition, her durable power of attorney for health care came into play. During her hospital stay, we (my husband, his sister and I) had the opportunity to meet with a team of health care providers, including a case manager and social worker, to explore options for her care upon discharge. During her stay in the rehab hospital, she progressed from transferring between a wheelchair and the bed, and she progressed from the wheelchair to the walker she had been using before her fall. That stay allowed her to become ambulatory again, and while she was clearly no longer safe to live alone, she was sufficiently mobile to participate in the activities and social interactions that the assisted living facility provide. The move to assisted living was emotionally difficult for her, as it would be for most of us. It represented a huge loss of independence and control over her life.
Her hospitalization and subsequent weeks in rehab was our first direct experience with Medicare, and it was and has continued to be wonderful. She has a “Medigap” policy and long-term care insurance that covers a portion the assisted living costs and will provide even more benefits should nursing home care become necessary. She is fortunate. Between her own pension and Social Security benefits and her long-term care insurance, her current costs are covered almost in their entirety. She is on hospice care because her medical situation will continue to deteriorate. She will not recover. Hospice covers some things under Medicare that we would otherwise have to cover. But we have not had to wrangle with insurance providers. And that has been a great relief. End of life care is difficult at best. It is emotionally draining watching a loved one reach the twilight of their life. President Obama has spoken on several occasions of the challenges and worries that his mother faced as she battled both her cancer and her insurance providers. We’ve been spared that. And so have millions of older Americans. It is beyond my comprehension that we, as a nation, are so afraid of providing everyone with the same peace of mind that our family is experiencing with “government-run” healthcare.