By now most of you have had the opportunity to listen to one of Senator Bernie Sanders’ ubiquitous ‘Medicare for All’ speeches, however, we still do not have enough information about Senator Sanders’ health plan since his ‘Medicare for All Bill’ is vague, and does not provide us any specifics about the Democrats’ Medicare for All plan, so how can we determine whether or not we should be for Medicare for All or against it.

We also need more information about Senator Sanders’ Medicare plan since no one has bothered to ask Senator Sanders whether or not the ‘All’ in his Medicare for All Bill means ‘All U.S. Citizens?’

Senator Sanders also has not been asked whether or not his Medicare for All Bill will include ‘All U.S. Prisoners’ since they do not presently have a health insurance plan?

Senator Sanders also has not been asked whether or not his Medicare for All Bill will also include the ‘Undocumented Aliens?’

Senator Sanders’ Medicare for All Bill also does not provide any specifics about what services we can expect to receive from Medicare? For example, how many days will we be covered for if we have to be hospitalized or what will happen if and when we reach the 100 day maximum?

Senator Sanders’ Medicare for All Bill also does not explain what will happen to the other healthcare employees if and when Medicare for All becomes the law of the land?

I have been fielding a lot of questions about Senator Sanders’ Medicare for All Bill, and will lay out some specifics about Medicare that you should know.

I will also address the possible impact to the existing non-Medicare employees, who will simply experience what the non-Affordable Care Act employees, and the Medicare employees experienced when Former President Obama signed the Affordable Care Act into law.

The one thing to remember about Medicare is that it is a ‘Capitation System’ which means the price for services is negotiated up front, so if you go in for a procedure, you will not be pulled off the examination table because a private insurance company, insert name here, won’t cover the procedure.

We need a Medicare for All Bill, which provides specific details and facts, and once we have the specific services that are presently being offered by Medicare, and the specific services that will be offered by the Medicare for All Bill, we will be able to have an intelligent and informed discussion with Senator Sanders, who also needs to explain whether or not certain Medicare services are going to go away, and whether or not the 80/20 cost ratio will be increased to a 60/40 cost ratio, and whether or not your social security check will be affected, and whether or not the ‘LEP’ or ‘Late Enrollment Penalty’ for Part D or for prescription drugs is going to increase or go away altogether once the young people come on board, and whether or not the senior citizens will have to wait longer to see a doctor, and how he plans to deal with the existing ‘Close Panel’ and ‘Open Panel’ situation, and whether or not some doctors will be assigned 4 to 600 patients once the young people enter the Medicare system?

Medicare currently offers Medicare Part A and Medicare Part B services under the 80/20 cost ratio, which means that you will pay 20 percent of the total cost for goods and services when you present your Medicare card.

Medicare Part A: Hospitalization.

Medicare B: Doctor visits.

Medicare also allows a senior citizen to obtain a ‘Medicare Advantage Plan’ or a ‘Medicare Advantage Prescription Drug Plan’ or a ‘MAPD’ which takes care of the need to obtain Part D coverage before the ‘LEP’ can be assessed.

Senator Sanders has yet to discuss the Democrats’ position on MAPDs, and will also need to explain whether or not young people or people who are under the age of 65 will be able to choose an MAPD? 

I will explain why this is important.

Joining an MAPD reduces your overall cost since you will have fixed copays and coinsurance payments for prescriptions, and for procedures, and for ‘Durable Medical Equipment or ‘DME.’ Plus you will have the benefit of hospice care when it is listed in your ‘EOC’ or ‘Evidence of Coverage.’

Some MAPDs also offer transportation services for those patients who need a ride to the doctor or to and from a dialysis appointment. And while it’s true that Medicare has a ‘Donut Hole’ or a period when the price of your medication increases for a period of time, it’s also true that some drug manufacturers will help a patient by providing free or reduced cost meds while the patient is in the ‘Donut Hole.’ You simply have to write a letter to the drug manufacturer and wait for a response.

A ‘Prescription Drug Card’ can also be used to reduce the cost of your medication, so I’m not too concerned about the dreaded ‘Donut Hole.’

The Democrats or interested Republicans can use my news article while constructing a Medicare for All Bill which will fully address our collective questions since I am neither right nor left.

I will now address the non-Medicare employees.

The private insurance companies already have a separate Medicare line of business, and will simply need to retrain their existing employees while moving them to the Medicare platform.                                                    

Nathaniel Armstrong, Jr.

Cerritos, CA –