by Wayne Simmes:

According to many pollsters, the most important thing for many people when they go to vote is healthcare.  The Democrats are attempting to cash in on that concern by touting what they call Medicare for All.  Most conservative estimates say that would raise the National Debt by over 30 Trillion dollars but that doesn’t seem to be important to the Democrats or their supporters.

According to two different sources in 2012 and 2013, the unfunded liability of our present Medicare system is between 32 trillion and 34 trillion dollars.  So the pipedream of Medicare for all would roughly double the unfunded liability of the program.  The problem is that number of 62 or 64 trillion dollars is beyond almost anyone’s contemplation.  It is so huge that nobody could even compare it to anything that we are familiar with so it does not have the impact that it should have.

So let’s look at it from a position that we might be able to understand.  The Democrats make it sound like Medicare for all would be free to all Americans.  They do that because everyone likes free stuff.  I recall back in 2012 when a woman was on Television from Cleveland, Ohio and was over the moon because she had received a free Obama-phone.

But Medicare is not now nor will it ever be a free health insurance system and under Medicare, for all, it will get even more expensive.  Right now the average senior on Medicare pays a monthly premium of about 134 dollars.  Since Medicare only pays 80% of health care bills most seniors also carry some type of supplemental insurance.  A Medicare supplement plan can cost upwards of another $200 per month to help pay for what Medicare does not.  And Medicare supplement plans do not pay for prescription drugs.  Fortunately, now we have what is called Medicare Advantage Plans.  These plans have much lower monthly premiums and most do pay something towards prescription drugs.

But under Medicare for all, they are going to take away Medicare Advantage plans to help make the cost seem lower.  So if you are now on a Medicare Advantage Plan or you have an older relative that is now enjoying the benefits of a Medicare Advantage Plan they will lose that benefit.  Imagine what that would do to most older Americans.  Almost every senior citizen is on some type of prescription medication.  Medication to bring down blood pressure, medication to lower cholesterol, medication for diabetes, medication for severe pain, medication for arthritis, medication for prostate problems and the list goes on and on.  These medications are greatly reduced in price to your insurance company and your co-pay for these drugs are a fraction of what you would pay if not for the insurance.

So in order to help pay for Medicare for all they are secretly going to take away one of the main benefits that senior citizens now enjoy.  So Medicare for all would make Medicare for those that now have it much more expensive and at a time when these folks are on a fixed low income.  Many of them would not be able to afford their medications and might die because of that.

So in order to offer benefits for younger Americans, you would have to take away benefits for older Americans, the very ones that use the most medical services.

Remember when the Democrats were airing ads showing the Republican Speaker of the House throwing granny off the cliff.  Well, that is exactly what the Democrats would be doing if they could gain control of Congress and manage to pass Medicare for all.

There is no doubt that something has to be done with our health care system.  Unlike many of you, I do not blame the insurance companies for the problem.  It is far more complicated than just the insurance industry.  For one thing, we should be looking at the ambulance chasers and malpractice lawsuits.  Lowering the cost of liability insurance that doctors and hospitals are forced to purchase to keep themselves out of bankruptcy from unscrupulous lawyers who look for an easy payday by suing over every hangnail that goes untreated.

Trump’s idea of making drug companies offer their products to Americans at the same price they sell them to foreigners is also a good step in lower our health care costs.

The Republicans have offered one solution to health insurance premiums of allowing people to purchase insurance across state lines where they can be better price options.  That solution has been struck down by Democrats every time it is suggested to be brought for a vote.

I agree that health care is an important aspect when you are deciding who to vote for.  But I implore you not to throw away the best economy of my life in order to vote in a Democrat with a pipe dream called Medicare for all.

I am not a journalist.  In fact I am not sure that real journalists exist anymore.  I am just a common man, age 73. I began writing for my own pleasure in the mid 80's and wrote a complete novel entitled "Common Sense Solutions to Complex Problems" where I suggested that the best way to solve the National Debt might be to turn over the monopoly table and play a new game with new rules. I wrote my first published novel "The Devil, The Ghost and Will Anderson" in 2001 although at that time it was entitled "The Stranger". I presently have 30 published books, many of which are full length novels although some are under a "Pen Name". I also have a blog on word press "musingsofababyboomer"

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