Thoughts On Medicare

FYI

So many people are either retiring or already having to suffer through retirement.

As a retired dude I am always concerned about my medical costs……for instance….I am a diabetic and my insulin cost me $400 if I were in Canada it would cost me $32…….so yeah I am always worried about the cost of my medical care.

The AARP, that seniors program that helps us get discounts and stuff, has been pushing this Medicare Advantage plan which will pick up the parts that Medicare does not pay……but is it all that or is it worth the money?

While the Democratic presidential candidates are debating full Medicare for All, giant insurance companies like UnitedHealthcare are advertising to the elderly in an attempt to lure them from Traditional Medicare (TM) to the so-called Medicare Advantage (MA)—a corporate plan that UnitedHealthcare promotes to turn a profit at the expense of enrollees.

Almost one third of all elderly over 65 are enrolled in these numerous, complex MA policies the government pays so much for monthly. The health insurance industry wants more enrollees as they continue to press Congress for more advantages.

Medical Disadvantage would be a more accurate name for the programs, as insurance companies push to corporatize all of Medicare, yet keep the name for the purposes of marketing, deception, and confusion.

https://www.commondreams.org/views/2019/11/22/wake-aarp-message-seniors-medicare-disadvantage-corporate-trap

there is a bamboo stand that needs some attention.Since the weather has changed again in South Mississippi….I need to work a bit in the yard…..there is a bamboo stand that needs some attention….

“Lego Ergo Scribo”

Closing Thought–01Oct19

Today is notable for couple of things……first it is International Coffee Day and I celebrate it fully.  Second today is Pres. Jimmy Carter’s birthday, 95…still works building homes for the poor, teaches Sunday school every Sunday….happy day and hope for many more.

Now we move onto more stuff…….

We all look forward to retirement…..a time when we can stop and enjoy the things around us….but for some that may not be possible.

Many Millennials do not think that they will live long enough to actually retire……

When will you retire? Will it be at the “full retirement age” of 66? Perhaps you’ll be able to retire early, at the age of 55.

Unfortunately, most millennials think they’ll be working until they die. On Twitter, the hashtag “#MillennialRetirementPlans” recently started trending, prompting a flurry of 20- and 30-somethings to proclaim their outlook on retirement. Needless to say, the results were depressing.

“Why is this on trending? We all know we’ll never be able to retire,” one person tweeted.

“Most of us will die early from the lack of a universal health care system,” another tweet stated. “The rest of us will never be able to retire from working our multiple jobs to pay off our massive student debt in an economy where wages have not kept up with inflation.”

Very few tweets show millennials with concrete retirement plans, like contributing to an employer sponsored plan like a 401(k), or an individual retirement account (IRA).

https://finance.yahoo.com/news/millennials-believe-theyll-die-before-they-retire-200829635.html

They may have a point.

Every time they ‘reform’ the Social Security system they raise the retirement age…..it was 62 now I believe it is 65 and there is talk about raising it to 70 ,,,,they say because we are all living longer….which I think is total crap.

If Millennials do not look froward to the ease of retirement then what do they have to look forward?

Be Smart!

Learn Stuff!

“Lego Ergo Scribo”

 

Screw The Elderly!

Closing Thought–05Sep19

When I was forced to retire I was fortunate that I had a good pension and Medicare but too many seniors must depend on others for some of the necessities like FOOD.

When I was working for the State I saw just how good such programs as Meals On Wheels were….but that successful program has run into monetary problems thanx to the GOP and their cuts to programs like Meals On Wheels……to the point that many seniors are going hungry.

And government relief falls short. One of the main federal programs helping seniors is starved for money. The Older Americans Act — passed more than half a century ago as part of President Lyndon Johnson’s Great Society reforms — was amended in 1972 to provide for home-delivered and group meals, along with other services, for anyone 60 and older. But its funding has lagged far behind senior population growth, as well as economic inflation.

The biggest chunk of the act’s budget, nutrition services, dropped by 8% over the past 18 years when adjusted for inflation, an AARP report found in February. Home-delivered and group meals have decreased by nearly 21 million since 2005. Only a fraction of those facing food insecurity get any meal services under the act; a U.S. Government Accountability Office report examining 2013 data found 83% got none.

https://truthout.org/articles/meals-on-wheels-is-starved-for-cash-leaving-many-seniors-hungry/

This should be unacceptable to ALL Americans.

I feel certain that somewhere some mental midget will try and blame this on immigrants…..as they always do to hide their racism……but this would not be a problem if diverted funds were used where they were needed……a wall is not that spot.

By the way….China built a wall to stop “immigrants” and it stopped nothing…..money pissed away just as the US is doing today.

Learn Stuff!

“Lego Ergo Scribo”

Closing Thought–04Jun19

I am an old fart, a Baby Boomer generation, and as we all know we are the problems of society now…..but with that said an adequate health care system is a must…..because by 2035 seniors will outnumber children and that means long term care will be a must by then (kinda is now but not important to the post)…..

By 2035, seniors are projected to outnumber children in the U.S. population.

Maybe then we’ll look back and credit Washington state activists for being on the forefront of tackling America’s elder care crisis. On May 13, the state became the first in the nation to adopt a social insurance program for long-term care benefits.

“This is a huge victory for organizing and people power, for care and caregiving, and for older adults and people with disabilities,” said Josephine Kalipeni of Caring Across Generations, one of more than 20 groups that formed Washingtonians for a Responsible Future to push the path-breaking legislation.

Nationally, our long-term care financing system is broken. Medicare doesn’t currently cover home care or nursing facility care, while Medicaid coverage varies widely by state. To qualify, you have to meet poverty criteria, which requires people to spend down nearly all of their savings before getting coverage.

 
Medicare For All!  We need a health care system and this is one that the machinery of policy are already in place….logic dictates we have an answer…why not use it?
 
I want to enjoy a late Spring weekend……the heat, the humidity and the hurricanes are just around the corner.

Expand Social Security

Closing Thought–19Feb19

As a person who has retired and getting Social Security I am always looking at what is going on in DC….I fear they will privatize it and us old farts will be screwed (as usual)……

Bernie has authored a bill to strengthen Social Security…..the Social Security Expansion Act……

Extend the solvency of Social Security for 52 years to the year 2071 by requiring the wealthiest American households to pay their fair share of taxes. Today, because of the earnings cap on Social Security taxes, a CEO making $20 million a year pays the same amount of money into Social Security as someone who makes $132,900 a year. This legislation would lift this cap and subject all income above $250,000 to the Social Security Payroll tax. Under this bill, 98.2 percent of wage earners would not see their taxes go up by one penny; Expand Social Security benefits across-the-board. Under this bill, Social Security retirement benefits for low-income Americans would go up by about $1,300 a year; Increase Cost-Of-Living-Adjustments (COLAs). This bill would more accurately measure the spending patterns for seniors by adopting the Consumer Price Index for the Elderly (CPI-E). Older Americans, by and large, are not going out on spending sprees buying big screen TVs, laptops, or the latest high-tech gadgets. Rather, they spend a disproportionate amount of their income on health care and prescription drugs and that would be reflected in the formula for calculating COLAs under this legislation; Improve the Special Minimum Benefit for Social Security recipients. This bill will help low income workers stay out of poverty by updating the Special Minimum Benefit to make it easier for them to qualify and by increasing and indexing the benefit level so that it is equal to 125 percent of the poverty line; Restore student benefits up to age 22 for children of disabled or deceased workers, if the child is a full-time student in a college or vocational school. This legislation restores student benefits that were eliminated in 1983 to help educate children of deceased or disabled parents;

Combine the Disability Insurance Trust Fund with the Old Age and Survivors Trust fund to help senior citizens and persons with disabilities.

https://www.commondreams.org/news/2019/02/13/ensure-dignity-most-vulnerable-among-us-bernie-sanders-introduces-bill-expand-social

I like his plan….

A final thought……

Just an FYI

Read and learn…..

A closing thought…I am an old fart and I remember……

Turn The Page!

Check That BP!

It is the weekend and I will attempt to be FYI today.

Us old farts have to keep a close eye on our BP (Blood Pressure) and most of us have a monitor at home so that we can make regular observations….and I would like to say here that ***I am NOT a medical person and that the information I give you should be checked with your medical professional.***

There are some things we must do when checking the BP or we will get a wrong reading (that could lead to minor panic)…..

Having a full bladder – This can add 10-15 points to your reading. You should always empty your bladder before measuring blood pressure.

Slouching, unsupported back/feet – Poor support when sitting can increase your reading by 6-10points. Make sure you’re in a chair with your back supported and feet flat on the floor or a footstool.

Unsupported arm – If your arm is hanging by your side or you have to hold it up during a reading, you may see numbers up to 10 points higher than they should be.

You should position your arm on a chair or counter so that the measurement cuff is level with your heart.

Sitting with crossed legs – While polite, it could increase a blood pressure reading 2-8 points. It’s best to uncross your legs as well as ensure your feet are supported.

Talking – Answering questions, talking on the phone, etc. can add 10 points. Stay still and silent to ensure an accurate measurement.

Normal blood pressure is typically less than 120 for systolic (the number when your heart is contracting) and less than 80 for diastolic (when your heart is relaxed).

I hope this will be helpful….

My day is going to be iffy…..rain predicted and much cooler temps….so my snacks and wine will be had indoors….MoMo has decided that bed is the best place to be since she has taken a liking to my favorite blanket…..and I let her have it…..she plays me badly…tee hee

Have a good day my friends…..chuq

Getting Old Sucks!

It is my last post on this rainy Sunday…..I will move on to my hot cocoa and watch the rain…..when you get old it is the small things that mean so much.

Time!  Ever stop to ask why time speeds up the older one gets?  Days fly by!  Years speed past at an alarming rate.  Why is this happening?

The expression “time flies,” originating from the Latin phrase “tempus fugit,” is one we all find ourselves saying or thinking, even when we aren’t having fun (as the extended expression goes).

The flight of time can be so fast it can feel, upon reflection, like our life is passing us by. Whether we’re scrolling through Facebook looking at the photos of old friends, dropping our children off at school and feeling moved by how big they’re getting or celebrating our own birthday, we may stop and say, “Where’d the time go?”

It’s a powerful, sobering revelation.

But it wasn’t like this when we were children, was it? I remember how each year, broken into school semesters, holidays and summer vacations, seemed to pass slowly, at a kind of diligent down tempo pace so that every experience, no matter how mundane, could be fully processed.

https://www.nbcnews.com/better/health/why-our-sense-time-speeds-we-age-how-slow-it-ncna936351

This is my FYI for a rainy and cool weekend…..time for a snack…be well, be safe…..chuq