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Medicare Plan D was godsend for health insurance companies to make more money. When my husband went on Medicare. I did the research for him. What a nightmare. Too many choices. Besides Medicare part B & A which you pay for based on your income, you have to get a J policy from and insurance company to cover what B&A does not cover, and a separate D policy if you need prescription drugs. What a nightmare of choices. I found out from my Blue Cross agent that before plan D was created that Blue Cross's Plan J as well as other insurance companies supplemental policies covered presription drugs. The premiums for Plan J without prescription drug benefit is the same or more as it was when prescription drugs were included, and then insurance companies were enabled to create anther policy for Plan D and charge more money. I never did figure out the 'donut hole'. Hedecided not to get the Plan D because we figured out the plan D premiums would cost more that the one drug my husband took, which was covered under his BC insurance before he went on Medicare.
Health care reform should include getting rid od all the choices, turn Medicare into one universal health care plan for all. The government could save billions in administration costs by rolling Medicare, Medicaid, veterans care etc. into one program. Every citizen should be allowed to buy into Medicare. It would lower premiums for everyone if we had one universal health care all paid into based on their income. Insurance companies could bid to administer the program in each region.
