Tuesday, April 15, 2008
Social Security
“Social Security is a contract between the American people and the American government, and it reflects the duties and values we share as Americans. We owe it to our grandparents, our parents, ourselves, and most importantly, our children, to ensure its vitality.” - Representative Mike McIntyre (NC)
Wednesday, April 9, 2008
Seeking Medical Care
Medical Tourism: Seeking Affordable Healthcare Overseas
Medical tourism provides high-quality care with less financial suffering
Published on:
Monday, March 10, 2008
Written by:
Melana Yanos
Click a star to rate.
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Because the cost of U.S. healthcare remains high, medical tourism could save an American patient thousands of dollars on procedures such as cosmetic or dental surgeries—as long as they are willing to travel to a foreign country where the costs are considerably lower. Foreign real estate investors can also indirectly benefit from the medical tourism industry, which appears to have a positive impact on the economies of developing destination countries.
The concept of traveling for medical care is nothing new, but the modern concept of medical tourism—traveling to foreign countries specifically for lower cost of care—has only emerged in the past 10 to 15 years, David E. Williams, cofounder and principal of MedPharma partners, and author of HealthBusinessBlog.com, said.
But “in a mainstream way it’s really only started to take off in the past year or two,” because more people are traveling around the world than they were ten years ago, and because the Internet has made long-distance communication more practical, he said.
The numbers of clients for MedRetreat, an American medical tourism services company, have nearly doubled each year since 2005, with approximately 200 clients in 2005, 350 clients in 2006 and 650 clients in 2007, Patrick Marsek, the company’s managing director, said.
Most clients are paying for health care procedures out of their pocket, specifically uninsured or under-insured American patients in need of costly medical surgeries, and clients who seek elective cosmetic or dental procedures, Marsek said.
“There’s a huge range of potential cost savings, anywhere from 50 to 80 percent depending on where [they] go and which procedures [are done],” Marsek said.
Medical tourism is most often for cosmetic surgeryIt is possible for patients to pay for foreign medical expenses with money from their health savings account (HSA). As the number of people with HSAs increases, and people have to take more responsibility for their medical costs, medical tourism could grow even more.
Cosmetic and dental surgeries are the most popular procedures because “those are services that typically are not covered by insurance,” Williams said. Many patients travel to South or Central American countries such as Brazil, Argentina or Costa Rica for cosmetic procedures, where it is cost effective to travel and cosmetic surgery is advanced. For example, a full face and neck lift procedure could cost $12,000 in the U.S., while the same procedure could cost as little as $3,800 abroad, Marsek said.
In vitro fertilization procedures are also becoming popular because the cost of the procedure is high in the U.S., Williams said.
The savings for uninsured clients in need of cardiovascular or orthopedic procedures are perhaps the most dramatic because costs for those procedures are so exorbitant in the U.S. Hip replacement surgery, for example, could cost anywhere between $40,000 and $65,000 in the U.S., whereas a patient might pay between $8,000 and $18,000, which includes travel costs, to receive the procedure overseas, Marsek said.
Marsek said some of the least expensive destinations to receive hip replacement surgery are in India; however, “there’s [a different] price to be paid for going [there],” he said.
“It’s a huge culture shock for Americans to go to India,” Marsek said. “Patients should know that medical tourism is not only about receiving a high-quality procedure...it’s [also] about the total experience of when [they are] there. You have to be emotionally and psychologically prepared...as well as physically prepared.”
Quality of care
Patients might have questions about the quality of care overseas; however, one quarter of physicians in the U.S. are foreign-born, “so the concept of having a Thai...or an Indian physician is really nothing very new or very foreign to an American patient these days,” Williams said.
Furthermore, “people are also coming to realize that the U.S. health system, despite being the most expensive, is not perfect,” he said.
It’s difficult to figure out the quality of any particular overseas provider, and “if anything goes wrong you’re far away from your support network,” Williams said.
Consequently, patients should “do their homework” and work with a professional organization that has experience with overseas medical travel, Marsek said.
MedRetreat, for example, has performed extensive, on-the-ground due diligence on foreign hospitals that wish to participate in the medical tourism industry and has turned down more than half of candidate hospitals because they fell short of the company’s quality standards, Marsek said on a MedRetreat.com podcast.
Medical tourists can find high quality of careHospitals that participate in medical tourism usually reserve the highest quality of care and best physicians for international patients, Marsek said.
In terms of the actual procedure, “they really err on the side of caution overseas,” Marsek said.
“The absolute worst thing that could happen to a hospital overseas is to have a procedure go bad, and [for that patient to] come back to the U.S. and talk to CNN the next day,” he said. “That hospital could potentially be out of the medical tourism industry...forever.”
MedRetreat clients generally spend three times as much time in a hospital overseas than they would in the U.S. after having a similar procedure performed, Marsek said. Clients also tend to experience more hospitality—friendliness, compassion and caring—overseas.
“They’re not trying to push you out of the hospital,” Marsek said.
In a paper issued by MedPharma and MedTripinfo.com last fall, Williams and his colleague John Seus predicted that U.S. physicians, in general, will not object to medical tourism. Many U.S. physicians are familiar with foreign doctors, or are originally from foreign countries themselves, and understand the credibility of receiving care abroad, Williams said. Furthermore, physicians are probably not worried about losing business because of a shortage of physicians in the U.S. that is causing many patients to be turned away.
Thus far, the prediction seems accurate and there doesn’t seem to be any “huge outcry” by doctors against medical tourism, Williams said.
Considerations and risks of medical tourism
Quality of care abroad is not necessarily cause for concern, especially for patients who book their medical tour through a reliable company. However, other considerations about medical tourism should be taken into account.
First, patients need to decide whether or not opting for a medical tour makes sense, financially and physically. MedRetreat's website recommends “The $6,000 Rule.” A procedure that costs $6,000 in the U.S. would probably “realize a break-even scenario” if the patient elected to go abroad, because the overhead created by travel costs would cancel out the money saved for the actual procedure.
Nevertheless, some clients choose to go for the experience as well as the care, and Medretreat has “perpetual medical tourists,” Marsek said.
“Many people still choose to travel abroad to achieve complete privacy and anonymity, peaceful recuperation, and the avoidance of daily hometown distractions,” according to the MedRetreat website. The company’s clients enjoy a two- to three-week vacation in luxury accommodations following their procedure.
American patients with a medical condition should have their diagnosis performed in the U.S., Marsek said. After finding out what procedure needs to be done, they can ask the approximate cost and their physician should be able to give them “a ballpark figure,” he said. That figure can then be compared with the cost of having the same procedure performed overseas.
In addition to financial considerations, medical tourism is not physically appropriate for all patients, especially patients in need of high-risk medical procedures.
“We can’t [take patients in need of] quadruple-bypass [surgery] and facilitate those [procedures] overseas,” Marsek said.
Communication barriers are one cause of concern for medical touristsOnce a patient has traveled to a foreign country for care, he or she may face the risk of miscommunication resulting from a lack of familiarity with a foreign culture and language barriers, Williams said.
Because of all the risks involved, clients might want to have the option of canceling their procedure after they arrive in their destination country without taking a huge financial hit, Marsek said. MedRetreat promises to return the 20 percent deposit for a procedure if the client should change their mind after arriving. As a result, the financial risk to the client is only the cost of travel and cost of stay.
But none of their clients have ever felt the need to use this option, according to the MedRetreat podcast.
Refund policies vary between companies, so consumers should research multiple companies before making a decision.
Impacts on economic health
Foreign real estate investors might be interested to know that the impact on medical tourism destination economies should be “very positive,” according to Williams. Popular medical tourist destinations include developing countries such as India, the Phillipines and South and Central American countries, as well as fairly developed countries, such as Singapore and South Korea.
One important benefit of medical tourism for these countries is that the influx of international patients will create career opportunities that encourage foreign physicians to remain in their home countries as opposed to moving to the U.S. to make a living.
Furthermore, medical tourism has a positive impact “all the way down the economic ladder,” from high-educated occupations in medicine and hospital administration to the unskilled trades.
Overall, medical tourism will have a positive impact “directly by improving the health care infrastructure within a country, and indirectly because of all the new economic activity that’s generated and opportunity for growth,” Williams said.
Destination countries are realizing the value of medical tourism, and “there are [initiatives] at the government level or at the individual hospital level...to try to lure tourists from the [U.S.], Western Europe or Canada,” Williams said. As a result of the increasing supply of participating hospitals, an increasing number of medical tourism companies are emerging onto the scene to get between care providers and consumers to arrange medical tours.
As for the effects of medical tourism on U.S. health care costs, the direct impact will probably not be large, Williams said.
“At the end of the day...most procedures are not suitable for going abroad, and most patients, even if offered the opportunity, won’t take advantage of it,” he said.
Still, the secondary impact on the U.S. health care industry will be substantial; for instance, an increasing number of “mini-med plans” will begin covering medical procedures performed overseas. According to the results of a survey called Health Care Benefits: Eligibility, Coverage and Exclusions, medical tourism is already being covered by 11 percent of organizations surveyed—a surprisingly large number, Williams said.
“U.S. hospitals and physicians [will be] competing for the first time on an international basis and not just on a local or regional basis,” Williams said.
Medical tourism provides high-quality care with less financial suffering
Published on:
Monday, March 10, 2008
Written by:
Melana Yanos
Click a star to rate.
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Comments
Because the cost of U.S. healthcare remains high, medical tourism could save an American patient thousands of dollars on procedures such as cosmetic or dental surgeries—as long as they are willing to travel to a foreign country where the costs are considerably lower. Foreign real estate investors can also indirectly benefit from the medical tourism industry, which appears to have a positive impact on the economies of developing destination countries.
The concept of traveling for medical care is nothing new, but the modern concept of medical tourism—traveling to foreign countries specifically for lower cost of care—has only emerged in the past 10 to 15 years, David E. Williams, cofounder and principal of MedPharma partners, and author of HealthBusinessBlog.com, said.
But “in a mainstream way it’s really only started to take off in the past year or two,” because more people are traveling around the world than they were ten years ago, and because the Internet has made long-distance communication more practical, he said.
The numbers of clients for MedRetreat, an American medical tourism services company, have nearly doubled each year since 2005, with approximately 200 clients in 2005, 350 clients in 2006 and 650 clients in 2007, Patrick Marsek, the company’s managing director, said.
Most clients are paying for health care procedures out of their pocket, specifically uninsured or under-insured American patients in need of costly medical surgeries, and clients who seek elective cosmetic or dental procedures, Marsek said.
“There’s a huge range of potential cost savings, anywhere from 50 to 80 percent depending on where [they] go and which procedures [are done],” Marsek said.
Medical tourism is most often for cosmetic surgeryIt is possible for patients to pay for foreign medical expenses with money from their health savings account (HSA). As the number of people with HSAs increases, and people have to take more responsibility for their medical costs, medical tourism could grow even more.
Cosmetic and dental surgeries are the most popular procedures because “those are services that typically are not covered by insurance,” Williams said. Many patients travel to South or Central American countries such as Brazil, Argentina or Costa Rica for cosmetic procedures, where it is cost effective to travel and cosmetic surgery is advanced. For example, a full face and neck lift procedure could cost $12,000 in the U.S., while the same procedure could cost as little as $3,800 abroad, Marsek said.
In vitro fertilization procedures are also becoming popular because the cost of the procedure is high in the U.S., Williams said.
The savings for uninsured clients in need of cardiovascular or orthopedic procedures are perhaps the most dramatic because costs for those procedures are so exorbitant in the U.S. Hip replacement surgery, for example, could cost anywhere between $40,000 and $65,000 in the U.S., whereas a patient might pay between $8,000 and $18,000, which includes travel costs, to receive the procedure overseas, Marsek said.
Marsek said some of the least expensive destinations to receive hip replacement surgery are in India; however, “there’s [a different] price to be paid for going [there],” he said.
“It’s a huge culture shock for Americans to go to India,” Marsek said. “Patients should know that medical tourism is not only about receiving a high-quality procedure...it’s [also] about the total experience of when [they are] there. You have to be emotionally and psychologically prepared...as well as physically prepared.”
Quality of care
Patients might have questions about the quality of care overseas; however, one quarter of physicians in the U.S. are foreign-born, “so the concept of having a Thai...or an Indian physician is really nothing very new or very foreign to an American patient these days,” Williams said.
Furthermore, “people are also coming to realize that the U.S. health system, despite being the most expensive, is not perfect,” he said.
It’s difficult to figure out the quality of any particular overseas provider, and “if anything goes wrong you’re far away from your support network,” Williams said.
Consequently, patients should “do their homework” and work with a professional organization that has experience with overseas medical travel, Marsek said.
MedRetreat, for example, has performed extensive, on-the-ground due diligence on foreign hospitals that wish to participate in the medical tourism industry and has turned down more than half of candidate hospitals because they fell short of the company’s quality standards, Marsek said on a MedRetreat.com podcast.
Medical tourists can find high quality of careHospitals that participate in medical tourism usually reserve the highest quality of care and best physicians for international patients, Marsek said.
In terms of the actual procedure, “they really err on the side of caution overseas,” Marsek said.
“The absolute worst thing that could happen to a hospital overseas is to have a procedure go bad, and [for that patient to] come back to the U.S. and talk to CNN the next day,” he said. “That hospital could potentially be out of the medical tourism industry...forever.”
MedRetreat clients generally spend three times as much time in a hospital overseas than they would in the U.S. after having a similar procedure performed, Marsek said. Clients also tend to experience more hospitality—friendliness, compassion and caring—overseas.
“They’re not trying to push you out of the hospital,” Marsek said.
In a paper issued by MedPharma and MedTripinfo.com last fall, Williams and his colleague John Seus predicted that U.S. physicians, in general, will not object to medical tourism. Many U.S. physicians are familiar with foreign doctors, or are originally from foreign countries themselves, and understand the credibility of receiving care abroad, Williams said. Furthermore, physicians are probably not worried about losing business because of a shortage of physicians in the U.S. that is causing many patients to be turned away.
Thus far, the prediction seems accurate and there doesn’t seem to be any “huge outcry” by doctors against medical tourism, Williams said.
Considerations and risks of medical tourism
Quality of care abroad is not necessarily cause for concern, especially for patients who book their medical tour through a reliable company. However, other considerations about medical tourism should be taken into account.
First, patients need to decide whether or not opting for a medical tour makes sense, financially and physically. MedRetreat's website recommends “The $6,000 Rule.” A procedure that costs $6,000 in the U.S. would probably “realize a break-even scenario” if the patient elected to go abroad, because the overhead created by travel costs would cancel out the money saved for the actual procedure.
Nevertheless, some clients choose to go for the experience as well as the care, and Medretreat has “perpetual medical tourists,” Marsek said.
“Many people still choose to travel abroad to achieve complete privacy and anonymity, peaceful recuperation, and the avoidance of daily hometown distractions,” according to the MedRetreat website. The company’s clients enjoy a two- to three-week vacation in luxury accommodations following their procedure.
American patients with a medical condition should have their diagnosis performed in the U.S., Marsek said. After finding out what procedure needs to be done, they can ask the approximate cost and their physician should be able to give them “a ballpark figure,” he said. That figure can then be compared with the cost of having the same procedure performed overseas.
In addition to financial considerations, medical tourism is not physically appropriate for all patients, especially patients in need of high-risk medical procedures.
“We can’t [take patients in need of] quadruple-bypass [surgery] and facilitate those [procedures] overseas,” Marsek said.
Communication barriers are one cause of concern for medical touristsOnce a patient has traveled to a foreign country for care, he or she may face the risk of miscommunication resulting from a lack of familiarity with a foreign culture and language barriers, Williams said.
Because of all the risks involved, clients might want to have the option of canceling their procedure after they arrive in their destination country without taking a huge financial hit, Marsek said. MedRetreat promises to return the 20 percent deposit for a procedure if the client should change their mind after arriving. As a result, the financial risk to the client is only the cost of travel and cost of stay.
But none of their clients have ever felt the need to use this option, according to the MedRetreat podcast.
Refund policies vary between companies, so consumers should research multiple companies before making a decision.
Impacts on economic health
Foreign real estate investors might be interested to know that the impact on medical tourism destination economies should be “very positive,” according to Williams. Popular medical tourist destinations include developing countries such as India, the Phillipines and South and Central American countries, as well as fairly developed countries, such as Singapore and South Korea.
One important benefit of medical tourism for these countries is that the influx of international patients will create career opportunities that encourage foreign physicians to remain in their home countries as opposed to moving to the U.S. to make a living.
Furthermore, medical tourism has a positive impact “all the way down the economic ladder,” from high-educated occupations in medicine and hospital administration to the unskilled trades.
Overall, medical tourism will have a positive impact “directly by improving the health care infrastructure within a country, and indirectly because of all the new economic activity that’s generated and opportunity for growth,” Williams said.
Destination countries are realizing the value of medical tourism, and “there are [initiatives] at the government level or at the individual hospital level...to try to lure tourists from the [U.S.], Western Europe or Canada,” Williams said. As a result of the increasing supply of participating hospitals, an increasing number of medical tourism companies are emerging onto the scene to get between care providers and consumers to arrange medical tours.
As for the effects of medical tourism on U.S. health care costs, the direct impact will probably not be large, Williams said.
“At the end of the day...most procedures are not suitable for going abroad, and most patients, even if offered the opportunity, won’t take advantage of it,” he said.
Still, the secondary impact on the U.S. health care industry will be substantial; for instance, an increasing number of “mini-med plans” will begin covering medical procedures performed overseas. According to the results of a survey called Health Care Benefits: Eligibility, Coverage and Exclusions, medical tourism is already being covered by 11 percent of organizations surveyed—a surprisingly large number, Williams said.
“U.S. hospitals and physicians [will be] competing for the first time on an international basis and not just on a local or regional basis,” Williams said.
Friday, March 14, 2008
News Release Home Care Rally
Malden - Senior Notes
Locals rally at State House for elder independence
Local seniors and members of organizations that support elder independence converged on the Statehouse on Tuesday, Feb. 26, to tell legislators that elders should have a choice when it comes to long-term care services.
The group of more than 300, including 25 people from the Mystic Valley area, said that the state continues to be overly reliant on nursing home care when most elders want to live independently in their own homes.
“We invest 66 percent of our MassHealth long-term care dollars in nursing homes,” said Mystic Valley Elder Services Executive Director Dan O’Leary. “Yet our official state policy is ‘Community First.’ It’s time to rearrange our budget to reflect what seniors want: care at home. Let the money follow the person back home.”
To emphasize the needed shift in funding, group members waved “Deval Dollars” in support of the governor’s plan to “rebalance” money from nursing homes to community-care programs. Legislators were urged to implement the Equal Choice law, passed in 2006, that guarantees seniors live in the “least restrictive setting” possible.
Silver Legislator Senate President Sally Hoyt also spoke about the importance of independence for elders. The rally took place while lawmakers prepare the Fiscal 2009 budget.
Attended by Mass Senior Action North Thanks to Mystic Valley Elders for transportation!!
Locals rally at State House for elder independence
Local seniors and members of organizations that support elder independence converged on the Statehouse on Tuesday, Feb. 26, to tell legislators that elders should have a choice when it comes to long-term care services.
The group of more than 300, including 25 people from the Mystic Valley area, said that the state continues to be overly reliant on nursing home care when most elders want to live independently in their own homes.
“We invest 66 percent of our MassHealth long-term care dollars in nursing homes,” said Mystic Valley Elder Services Executive Director Dan O’Leary. “Yet our official state policy is ‘Community First.’ It’s time to rearrange our budget to reflect what seniors want: care at home. Let the money follow the person back home.”
To emphasize the needed shift in funding, group members waved “Deval Dollars” in support of the governor’s plan to “rebalance” money from nursing homes to community-care programs. Legislators were urged to implement the Equal Choice law, passed in 2006, that guarantees seniors live in the “least restrictive setting” possible.
Silver Legislator Senate President Sally Hoyt also spoke about the importance of independence for elders. The rally took place while lawmakers prepare the Fiscal 2009 budget.
Attended by Mass Senior Action North Thanks to Mystic Valley Elders for transportation!!
Thursday, February 28, 2008
Universal Health Care
Wed Feb 27, 7:48 PM ET
Hillary Clinton opened fire on Barack Obama across an array of issues, but saved the really big guns for health care: "Of all our differences," said Hillary in Rhode Island (the forgotten primary state), "the one that is just inexplicable to me is his refusal to put forth a plan on universal health care and his continuing attacks on my plan to do so."
How hard can it be to offer a universal health care plan? "John Edwards had a plan, I had a plan, Chris Dodd had a plan, Dennis Kucinich had a plan, Bill Richardson had a plan. Because we're Democrats ..." Clinton said.
But Obama, in his Bob the Builder campaign designed to appeal to the toddler in every American, offers a plan that is all gain and no pain: subsidized health insurance for anyone who wants to buy it, whenever they want to buy it. More money, more choice, no cost. Gee, what's not to like?
Nothing, except that Hillary is correct. Obamacare can't possibly work, because it doesn't make sense to buy insurance when you are young and healthy if you are guaranteed access anyway when you are older and sicker.
And that's the problem.
The exchange between the two Democrats highlights the dirty little secret that not even Hillary will tell you about a universal government health insurance program. The problem with our current system that mandatory national health insurance will solve is not that people don't get health care -- it's that they don't pay for it.
Young healthy folks are more and more likely to go without health insurance. That means the pool of insured people is older and sicker and, therefore, more expensive to insure. Health insurance premiums rise, which makes health insurance an even worse deal for the relatively young and healthy, guaranteeing that more and more twentysomethings are uninsured, and health insurance costs for us middle-aged and older folks skyrocket.
What kind of people in the U.S. are uninsured? A whole lot of people like Brandy Coons, a 23-year-old Atlanta waitress highlighted on the front page of The New York Times as the new face of the "free rider" problem. Brandy admits she could probably afford a policy if she cut back on her gym membership and her photography hobby, but why should she do that?
"I'm young and in pretty good shape ... The insurance premium was more than what I would pay for my prescriptions, so I just decided not to deal with it," Coons said.
But even The New York Times cannot admit the real "free rider" problem here. It's not that the health care needs of uninsured twentysomethings like Brandy are bankrupting the system. It's that not enough twentysomethings like Brandy are paying for the health care of fortysomethings and older. That's the only way insurance makes sense: We pay into it when we are young and healthy, and we get something out of it when we are older and more likely to get sick.
But try running on that as your platform: Make the young people pay more!
Here's the other dirty little secret: National health insurance is going to cost Brandy and other taxpayers a whole lot more than either Hillary or Obama admits. Just ask Gov. Deval Patrick in Massachusetts, where just two years into operation, the state's mandatory health insurance plan is already costing $400 million more than budgeted.
Meanwhile we have a Medicare system that is going to go bankrupt.
Here's a question neither Hillary nor Barack will answer: How can we justify spending billions to insure the Brandys of the worlds, when we haven't yet secured the health care financing for our existing promises to senior citizens?
Hillary Clinton opened fire on Barack Obama across an array of issues, but saved the really big guns for health care: "Of all our differences," said Hillary in Rhode Island (the forgotten primary state), "the one that is just inexplicable to me is his refusal to put forth a plan on universal health care and his continuing attacks on my plan to do so."
How hard can it be to offer a universal health care plan? "John Edwards had a plan, I had a plan, Chris Dodd had a plan, Dennis Kucinich had a plan, Bill Richardson had a plan. Because we're Democrats ..." Clinton said.
But Obama, in his Bob the Builder campaign designed to appeal to the toddler in every American, offers a plan that is all gain and no pain: subsidized health insurance for anyone who wants to buy it, whenever they want to buy it. More money, more choice, no cost. Gee, what's not to like?
Nothing, except that Hillary is correct. Obamacare can't possibly work, because it doesn't make sense to buy insurance when you are young and healthy if you are guaranteed access anyway when you are older and sicker.
And that's the problem.
The exchange between the two Democrats highlights the dirty little secret that not even Hillary will tell you about a universal government health insurance program. The problem with our current system that mandatory national health insurance will solve is not that people don't get health care -- it's that they don't pay for it.
Young healthy folks are more and more likely to go without health insurance. That means the pool of insured people is older and sicker and, therefore, more expensive to insure. Health insurance premiums rise, which makes health insurance an even worse deal for the relatively young and healthy, guaranteeing that more and more twentysomethings are uninsured, and health insurance costs for us middle-aged and older folks skyrocket.
What kind of people in the U.S. are uninsured? A whole lot of people like Brandy Coons, a 23-year-old Atlanta waitress highlighted on the front page of The New York Times as the new face of the "free rider" problem. Brandy admits she could probably afford a policy if she cut back on her gym membership and her photography hobby, but why should she do that?
"I'm young and in pretty good shape ... The insurance premium was more than what I would pay for my prescriptions, so I just decided not to deal with it," Coons said.
But even The New York Times cannot admit the real "free rider" problem here. It's not that the health care needs of uninsured twentysomethings like Brandy are bankrupting the system. It's that not enough twentysomethings like Brandy are paying for the health care of fortysomethings and older. That's the only way insurance makes sense: We pay into it when we are young and healthy, and we get something out of it when we are older and more likely to get sick.
But try running on that as your platform: Make the young people pay more!
Here's the other dirty little secret: National health insurance is going to cost Brandy and other taxpayers a whole lot more than either Hillary or Obama admits. Just ask Gov. Deval Patrick in Massachusetts, where just two years into operation, the state's mandatory health insurance plan is already costing $400 million more than budgeted.
Meanwhile we have a Medicare system that is going to go bankrupt.
Here's a question neither Hillary nor Barack will answer: How can we justify spending billions to insure the Brandys of the worlds, when we haven't yet secured the health care financing for our existing promises to senior citizens?
Tuesday, February 26, 2008
Notch
The Senior Citizens League members and supporters tend to be older, less affluent seniors. They are also, to a large extent, Notch babies - those individuals who receive lower Social Security benefits because they were born in the years 1917 and immediately thereafter. TSCL feels that this is an inequity that was brought about because of the Social Security Act Amendments enacted and signed into law in 1977. Just years before they were set to retire, these individuals discovered they would have significantly lower benefits than originally anticipated. And the problem only grew and compounded with the inflation that occurred in the early 1980s. Thus, in order to make the Social Security program more equitable in general, and to correct a wrong done to Notch babies, we believe that some recompense for that injustice should be provided.
TSCL strongly supported legislation introduced in the 109th Congress that would have provided either a lump-sum payment or an increased monthly benefit calculation to Notch babies. We were pleased to see that Congressman Ralph HallТs legislation, H.R. 615, got 118 co-sponsors in the last session - more than in any other session of Congress since the lump-sum proposal has been before Congress. We will continue to educate new Members of the House and Senate about the Notch and to work with past supporters of the Notch. With an increasing number of Notch co-sponsors during each of the last three sessions of Congress, we are hopeful that some type of Notch reform will take place in the 110th Congress.
The Senior Citizens League members and supporters tend to be older, less affluent seniors. They are also, to a large extent, Notch babies - those individuals who receive lower Social Security benefits because they were born in the years 1917 and immediately thereafter. TSCL feels that this is an inequity that was brought about because of the Social Security Act Amendments enacted and signed into law in 1977. Just years before they were set to retire, these individuals discovered they would have significantly lower benefits than originally anticipated. And the problem only grew and compounded with the inflation that occurred in the early 1980s. Thus, in order to make the Social Security program more equitable in general, and to correct a wrong done to Notch babies, we believe that some recompense for that injustice should be provided.
TSCL strongly supported legislation introduced in the 109th Congress that would have provided either a lump-sum payment or an increased monthly benefit calculation to Notch babies. We were pleased to see that Congressman Ralph HallТs legislation, H.R. 615, got 118 co-sponsors in the last session - more than in any other session of Congress since the lump-sum proposal has been before Congress. We will continue to educate new Members of the House and Senate about the Notch and to work with past supporters of the Notch. With an increasing number of Notch co-sponsors during each of the last three sessions of Congress, we are hopeful that some type of Notch reform will take place in the 110th Congress.
Saturday, February 23, 2008
A minority neglected
Most people share the same limited notion of diversity. Nowhere is the population of persons with disabliities and elders considered in many issues before our government bodies. Is it because they lack a political action committee to make campaign contributions to politicans?
Upper-class persons of color, upper-class woman and upper-class homosexuals show they are diverse. The ethic lobby shows its diversity as well. The also exclude poor persons, persons with disabilitities and older persons.
That is bad enough. But upper-class journalists who ignore this overt bias show that they share the predudices toward those two groups and have no shame about doing so
Roy Bercaw.Cambridge (letter to paper)
HOWARD MCGOWAN
MALDEN SENIOR
Upper-class persons of color, upper-class woman and upper-class homosexuals show they are diverse. The ethic lobby shows its diversity as well. The also exclude poor persons, persons with disabilitities and older persons.
That is bad enough. But upper-class journalists who ignore this overt bias show that they share the predudices toward those two groups and have no shame about doing so
Roy Bercaw.Cambridge (letter to paper)
HOWARD MCGOWAN
MALDEN SENIOR
Wednesday, February 20, 2008
FILING 1040A FOR STIMULUS PAYMENT
Q: I normally don't need to file a tax return. How do I know if I'm one of those people who may be eligible to receive an economic stimulus payment?A: This group includes some recipients of Social Security, Railroad Retirement or veterans' benefits as well as taxpayers who do not make enough money to normally have to file a 2007 tax return. For example, this can include low-income workers, those who receive Social Security benefits or veterans’ disability compensation, pension or survivors’ benefits from the Department of Veterans Affairs in 2007. These people will be eligible to receive a payment of $300 ($600 on a joint return) if they had at least $3,000 of qualifying income.Qualifying income includes Social Security benefits, certain Railroad Retirement benefits, certain veterans’ benefits and earned income, such as income from wages, salaries, tips and self-employment. For people filing joint tax returns, only a total of $3,000 of qualifying income from both spouses is required to be eligible for a payment.
Special Guidelines for Recipients of Certain Social Security, Veterans and Railroad BenefitsCertain people who normally are not required to file but who are eligible for the stimulus payment will have to file a 2007 tax return. This includes low-income workers or those who receive Social Security benefits or veterans’ disability compensation, pension or survivors’ benefits from the Department of Veterans Affairs in 2007. These taxpayers will be eligible to receive a payment of $300 ($600 on a joint return) if they had at least $3,000 of qualifying income.Qualifying income includes Social Security benefits, certain Railroad Retirement benefits, certain veterans’ benefits and earned income, such as income from wages, salaries, tips and self-employment. For taxpayers filing joint tax returns, only a total of $3,000 of qualifying income from both spouses is required to be eligible for a payment.The special version of the Form 1040A unveiled today on IRS.gov shows taxpayers in these groups the specific sections of the form they need to fill out to qualify for the stimulus payment. The mock-up is designed to be used as a guide for filling out an actual Form 1040A."People who don’t normally need to file have a roadmap on how to fill out the Form 1040A quickly and easily," Stiff said. "We encourage recipients of Social Security and veterans’ benefits who don’t normally need to file a tax return to use this mock-up of the form as a guide to help them get their stimulus payment."The Form 1040A illustration on IRS.gov shows the limited number of lines that will need to be filled out for recipients of Social Security, certain Railroad Retirement and certain veterans’ benefits. A key line is reporting their 2007 benefits on Line 14a of Form 1040A. The IRS reminds taxpayers they can also use Line 20a on Form 1040 to report these same benefits.In addition, taxpayers in these groups should write the words "Stimulus Payment" at the top of the 1040A or 1040.For now, taxpayers in this group filing a tax return can only file a paper copy of the Form 1040 or Form 1040A. The IRS is working to update its systems to accept electronic versions of these limited-information returns for taxpayers who otherwise have no need to file a tax return. The IRS is also working with the software community to handle these returns electronically at a future date.The IRS also reminded taxpayers with Social Security, Railroad Retirement or veterans’ benefits who have already filed but did not report their qualifying benefits on either Line 14a of Form 1040A or Line 20a of Form 1040 that they may need to file an amended return in some situations to receive a larger stimulus payment.Taxpayers who already have filed but did not report these benefits can file an amended return by using Form 1040X, which can only be filed with a paper form.The IRS reminded taxpayers who don’t have any other requirement to file a tax return that submitting a tax return to qualify for the economic stimulus payments does not create any additional tax or trigger a tax bill. In addition, the stimulus payments will not have any effect on eligibility for federal benefits.The IRS is working with the Social Security Administration and Department of Veterans Affairs and other organizations to ensure that recipients are aware of the need to file a tax return to receive their stimulus payment in 2008.
Special Guidelines for Recipients of Certain Social Security, Veterans and Railroad BenefitsCertain people who normally are not required to file but who are eligible for the stimulus payment will have to file a 2007 tax return. This includes low-income workers or those who receive Social Security benefits or veterans’ disability compensation, pension or survivors’ benefits from the Department of Veterans Affairs in 2007. These taxpayers will be eligible to receive a payment of $300 ($600 on a joint return) if they had at least $3,000 of qualifying income.Qualifying income includes Social Security benefits, certain Railroad Retirement benefits, certain veterans’ benefits and earned income, such as income from wages, salaries, tips and self-employment. For taxpayers filing joint tax returns, only a total of $3,000 of qualifying income from both spouses is required to be eligible for a payment.The special version of the Form 1040A unveiled today on IRS.gov shows taxpayers in these groups the specific sections of the form they need to fill out to qualify for the stimulus payment. The mock-up is designed to be used as a guide for filling out an actual Form 1040A."People who don’t normally need to file have a roadmap on how to fill out the Form 1040A quickly and easily," Stiff said. "We encourage recipients of Social Security and veterans’ benefits who don’t normally need to file a tax return to use this mock-up of the form as a guide to help them get their stimulus payment."The Form 1040A illustration on IRS.gov shows the limited number of lines that will need to be filled out for recipients of Social Security, certain Railroad Retirement and certain veterans’ benefits. A key line is reporting their 2007 benefits on Line 14a of Form 1040A. The IRS reminds taxpayers they can also use Line 20a on Form 1040 to report these same benefits.In addition, taxpayers in these groups should write the words "Stimulus Payment" at the top of the 1040A or 1040.For now, taxpayers in this group filing a tax return can only file a paper copy of the Form 1040 or Form 1040A. The IRS is working to update its systems to accept electronic versions of these limited-information returns for taxpayers who otherwise have no need to file a tax return. The IRS is also working with the software community to handle these returns electronically at a future date.The IRS also reminded taxpayers with Social Security, Railroad Retirement or veterans’ benefits who have already filed but did not report their qualifying benefits on either Line 14a of Form 1040A or Line 20a of Form 1040 that they may need to file an amended return in some situations to receive a larger stimulus payment.Taxpayers who already have filed but did not report these benefits can file an amended return by using Form 1040X, which can only be filed with a paper form.The IRS reminded taxpayers who don’t have any other requirement to file a tax return that submitting a tax return to qualify for the economic stimulus payments does not create any additional tax or trigger a tax bill. In addition, the stimulus payments will not have any effect on eligibility for federal benefits.The IRS is working with the Social Security Administration and Department of Veterans Affairs and other organizations to ensure that recipients are aware of the need to file a tax return to receive their stimulus payment in 2008.
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