HowHealth Insurance Fails as People Gets Older
Withany doubt, health insurance fails for elderly people. Firstly, thereis little preventative care for the elderly. Kane,Wysocki, Parashuram, Shippee, and Lum, (2013), arguesthat even though most health insurance cater for medical screeningfor the elderly in America, it is unfortunate that one-third of theolder adults does not receive pneumococcal vaccines or cancerscreenings, which results in more illness and sometimes death.According to research, flu vaccination reduces cases ofhospitalizations and death among the elderly by 57% and 30%respectively (Kaneet. al., 2013).According to “Healthy Aging for Older Adults” 2003 CDC, nine outof ten older adults do not get appropriate screening. Further, healthinsurance often makes assumptions about the elderly patients based onage. Additionally, there is poor relationship between the oldpatients and physicians because of decreased reimbursement the olderadults receive from health insurance. Also, pharmacists, physicians,nurses, and other healthcare providers have insufficient training onhow to handle the elderly. Lastly, elderly people do not get thequality of care and treatment from healthcare insurance hence, theyreceive poor medical attention.
Althoughboth are federal healthcare programs, theydiffer on who runs them, qualification for members, user payments, aswell as the services they offer (Grabowski,2013).Firstly, every state administers its Medicaid while Medicare isuniform and has national rules. Secondly, low-income people areeligible for Medicaid program regardless of the age while anyone canqualify for Medicare as long as one has paid into the system.Thirdly, Medicaid covers the cost of hospitalization, doctorservices, family planning, clinic treatment, x-rays, laboratoryservices, among others. On the other hand, Medicare caters forhospitalization, drug coverage, doctor fee, laboratory cost, andmedical insurance, among others.
Mystate, Rhode Island, has expanded Medicaid program. However, somestates do not participate in Medicaid expansion. They argue thatMedicaid harms the poor and the economy, it worsens the cycle ofdependence, it crowds out private coverage, Medicaid uncompensatedcare is big, and Medicaid exposes states to high risks of fraud(Nickitas,Middaugh, and Aries, 2011).
Grabowski,D. C. (2012). Care coordination for dually eligible Medicare-Medicaidbeneficiaries under the Affordable Care Act. Journalof aging & social policy, 24(2),221-232.
Kane,R. L., Wysocki, A., Parashuram, S., Shippee, T., & Lum, T.(2013). Effect of Long-term Care Use on Medicare and MedicaidExpenditures for Dual Eligible and Non-dual Eligible ElderlyBeneficiaries. Medicare& Medicaid research review, 3(3).
Nickitas,D., Middaugh, D. J., & Aries, N. (2011). Policyand Politics for Nurses and Other Health Professionals.Jones & Bartlett Learning.