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I have no comment on Medicare for children.
Unless you want a large hospital bill left for you to pay then I would suggest Plan F as a supplement to Medicare A and B .
It is the most comprehensive plan in the bunch. It covers just about everything, including the remaining 20% which is your supplemental plan, a medigap plan.
So you should have Medicare Part A ( hospital care ),
Medicare Part B ( Docotors ), and now Plan F inside the Supplemental Plan. You may also consider Medicare Part D ( Drugs and Medicines).
https://www.agingcare.com/133610
Personally so far I have never reached the donut hole, even though I need about 7 prescription medications. With careful reseach and Dr co-operation these are all generics which cost $4-5 a month.My husband is not so lucky and spends about four months year in the donut hole using some very expensive drugs. I worked till age 68 so continued with my employers plan as my secondary insurance
Medicare is manatory as the primary insurance after age 65 but if you are still employed you can stay on the employers plan to pick up the 20% not covered by medicare.It may be cheaper to purchase a suplemental plan depending on your contribution to the employer.
It is a maze out there but organizations like AARP and local ageing agencies can help. Insurance companies often conduct seminars close to enrollment time and we found this the most helpful in choosing a plan. This is an insurance plan and like all insurance you have to read the fine print which is a hassle and may be beyond some individuals abilities. In this care ask for help from someone you know or a relative. Ask questions of the company, they often have a nurse hot line. Naturally they are in the business of selling policies but in this case there are limitations and you can change your mind every 12 months.
In our case we have a plan available through Blue Cross and several others but I am familiar with B/C. They provide four levels of coverage which are all good and premiums range from $0 - $108 per person per month. The lower the premium the higher the co-pay but even then it is afforable.
Like anything associated with the government they seem unable to make it simple.
I say keep Medicare -- but we have to get a handle on it and everyone (younger) needs to start ponying up more in a medical savings account or contribute more to Medicare (social security, whatever) to account for the likely long lives they will have in the future. Everyone in their 40s or younger needs to get a Long Term Care policy.
Children are on Medicaid - and there still is a strong need for that and it won't get better.
Yes; there is some abuse of both systems, but we need to work through it; establish more checks and balances and eliminate much of the adminstrative costs.
I hear alot of folks -- particularly seniors acting like "every man for himself" with no regard for those of us and their grandchildren coming up behind them that will not have the same Medicare benefits in their golden years -- it just isn't sustainable if seniors continue to live well into their 90s/100s and are on medicare for 30 or more years. My mother has been retired longer than she worked.
Will the current system be there in the future? I doubt it. The cost of health care is at the tipping point in US within the next decade where it will smother the economy. Obamacare didn't go far enough imho. A nationalized system is what is needed. Does it have it's problems, yeah sure. But there would be no more your surgery costing 40K and my surgery costing 14K issues. Probably there is no way that is ever going to happen in the US because of lobbyists of the health care industry.
Currently earned income in excess of $ 113,700 is entirely exempt from the 6.2 payroll tax that funds SS benefits (although employers pays a matching 6.2%). Medicare is financed by a flat 1.45% tax on the first 200K/250K single / married which is matched by the employer. Above that it only goes up .9%. Not 9% but point 9% = .9%. Like why bother? Changing both to increase as income increases would solve the upcoming crisis in funding SS (& therefore Medicaid) & Medicare. Make it a progressive tax rather than a regressive tax which it is currently.
I think it's like 10,000 baby boomers turn 65 every day and about half do not have a defined benefit pension plan. Getting old in America is not going to be pretty.