24-Month Medicare Rule Hurts Medicare

Wellescent |

Under the US federal rules of Medicare, most workers who are disabled must wait 24 months before they are able to receive benefits. This delay is an incredibly ill-conceived concept that damages the effectiveness of the Medicare system itself.

A frequent scenario is this; take a person who is previously financially productive, make them pay out of their own pockets until they are broke and then after they have been crippled by debt, finally start to pay them an allowance that will not allow them to recover quickly or ever. Ignoring all the suffering that this causes, for a capitalist-centric economy, this is a pointless loss of productivity and an inefficient use of money.

Would it not be far better to assist people to determine what is wrong early and have those that could contribute be able to cover some of their own medical debts while being able to work again? Would it not be better to avoid creating complete dependence on the Medicare system? These are two questions that the legislators really must answer given the current state of the Medicare. Hopefully, Obama’s committment to health care can result in some good answers.

Many medical conditions have a quick onset and are dehabilitating, but are ultimately controllable or treatable. Many conditions are most treatable in the early phases and less so as the condition progresses untreated. A system that places an the onus on the patients to pay all their own medical costs when they have little or no income and allows workplace medical insurance to lapse before a person is covered will only guarantee that there will be people who are completely dependent on Medicare.

The Medicare system must really change to either enforce that insurance cover the first 24 months of disability or enable patients to obtain assistance in a shorter time frame. The system should also be coupled with programs to enable workers to be retrained to work within the limits of their new disabilities whereever possible. Such capitalist cost saving efforts as these also have the ‘side-effect’ of preserving the dignity and sense of contribution of those stricken by a disability.


With such a costly system isn’t some change worth trying?

Read the authors telling original article here:

http://news.yahoo.com/s/ap/20081223/ap_on_he_me/health_care_gap

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