Romney And Ryan Think Seniors Don’t Care About Their Children

Much of the discussion about Medicare has centered around the question of who will be affected by the proposed reforms. The Obama campaign correctly points out that Romney’s pledge to repeal ObamaCare would immediately subject seniors to higher costs for prescription drugs and preventive care. The President also notes that the $716 billion dollars his plan saves would come from administrative expenditures and the reduction in waste, fraud, and abuse. Not a single dime would be cut from seniors’ benefits.

Romney and RyanHowever, a major talking point from Mitt Romney and Paul Ryan is that their plan to create a voucher program would not impact anyone who is 55 or older. The first question that raises is: Why not? If it’s so great, why are they preventing current Medicare recipients from enjoying it? Obviously, they recognize that their plan is objectionable and unpopular.

But the the more pressing problem is the notion that they can pacify today’s seniors by assuring them that they will not be harmed by the changes. They think that seniors will respond by saying…

“OK, thanks for not taking away the Medicare plan that is working so well for us. But go ahead and take it away from our children because who the hell cares about them. So long as we get ours those little snots can fend for themselves.”

If Rom-n-Ry think that seniors in Florida, or the rest of the nation, are going to be satisfied with assurances that their own benefits will be preserved but their kids will be hung out to dry, they are going to be in for a big surprise. Most seniors really do love their kids and grandkids and want the best for them. They will not willingly sacrifice the welfare of their children for promises that exempt themselves from the changes that reduce benefits and cost more.

The absurd suggestion that current recipients will not be effected is the very first item in a list of the “Key Elements of Mitt’s Plan.” Other elements are just as deceptive and/or harmful. For instance (taken directly from Mitt Romney’s web site):

#4: If seniors choose more expensive plans, they will have to pay the difference between the support amount and the premium price; if they choose less expensive plans, they can use any leftover support to pay other medical expenses like co-pays and deductibles.

This proposal reveals that the costs awaiting seniors will include unspecified co-pays and deductibles that will not be covered by the voucher, or “premium support.” The burden of that expense will fall on the recipient. It also makes clear the choices that seniors will face with regard to their health care. If their budgets are constrained they may have to settle for “less expensive plans” that fail to meet their needs. If it’s a choice between insurance or rent or groceries, it puts the recipient in an untenable situation. That is a big difference compared to what they get today from Medicare. It is also notable that any of the savings from choosing a an inferior plan cannot be spent on anything but authenticated medical expenses.

#5: “Traditional” fee-for-service Medicare will be offered by the government as an insurance plan, meaning that seniors can purchase that form of coverage if they prefer it; however, if it costs the government more to provide that service than it costs private plans to offer their versions, then the premiums charged by the government will have to be higher and seniors will have to pay the difference to enroll in the traditional Medicare option.

That is an admission that the “traditional” plan that today’s seniors are familiar with will cease to exist. The costs for the recipient may be substantially higher than they are now. And they will be competing with private insurance companies whose plans may be less expensive, but also less comprehensive. That also forces seniors into making decisions driven more by budget than by need.

#7: Competition among plans to provide high quality service while charging low premiums will hold costs down while also improving the quality of coverage enjoyed by seniors.

The assertion that competition among private insurance plans will hold down costs is refuted by the current market for heath care insurance. Does anyone reading this know of any insurance policy that has added benefits and cut premiums? Insurance companies are notoriously greedy in the way they administer their products, despite the fact that they are more profitable year after year. Most policies increase significantly over time while coverage is narrowed. That’s the free market that Rom-n-Ry want to force seniors into. And by encouraging seniors to exit Medicare, it will shrink the coverage pool, thus forcing costs higher while diluting the influence of Medicare to negotiate provider costs downward.

There are some services that ought not to be subject to the whims of the free market. Health care is one. Social Security is another. Just imagine the devastating hardship beneficiaries would have faced if their Social Security had been in the stock market in 2008. Yet that’s precisely what Rom-n-Ry support in their privatization plan. It is a plan that demonstrably harms seniors today and tomorrow. And seniors are not going to selfishly secure advantages for themselves at the expense of their kids. That would be a poor display of family values.

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