Watch out, older Americans and people with disabilities! President Trump just announced a plan to give corporate health insurers more control over your health care. His new executive order calls for “market-based” pricing, which would drive up costs for everyone with Medicare, eviscerate traditional Medicare, and steer more people into for-profit “Medicare Advantage” plans.
Seema Verma, the Trump appointee who heads the Centers for Medicare and Medicaid Services (CMS), may not have warned Trump about the slew of government audits revealing that many Medicare Advantage plans pose “an imminent and serious risk to the health of… enrollees.” They also overcharge taxpayers to the tune of $10 billion a year.
In the last few years alone, CMS’ limited audits have highlighted major issues with Medicare Advantage plans. Reports from the Department of Health and Human Services Office of the Inspector General (OIG) and Government Accountability Office (GAO) have underscored these issues. They have recommended that CMS increase its oversight of Medicare Advantage plans and its enforcement efforts.
A Medicare Payment Advisory Commission report indicates that the problems with Medicare Advantage may be even more far-reaching than the government audits indicate. The Medicare Advantage plans have failed to turn over reliable and complete claims data, as required by law. Without this data, it’s not possible to know whether they are covering the health care services they are paid to provide or to oversee them to the extent necessary.
Last month, Senators Sherrod Brown, Amy Klobuchar, Chris Murphy, Richard Blumenthal, Bernie Sanders and Debbie Stabenow laid out several serious malfeasances by these corporate Medicare insurers—including UnitedHealth Group, Aetna, Cigna and Humana—in a detailed letter they sent to Verma.
The insurers’ wrongdoings are systematic. They are ongoing. They endanger the health and financial well-being of millions of people. They undermine the financial integrity of the Medicare program and harm the U.S. Treasury. Yet, to date, CMS has failed to develop, let alone execute, a plan to hold these insurers accountable for violating their legal obligations and to ensure their members get the health care to which they are entitled.
Tens of billions in overcharges are one big problem. Medicare Advantage plans have been overcharging the government for their services for many years now, by claiming that their members are in worse health than they actually are in order to increase payments. To make matters worse, they have refused to pay back the tens of billions in overpayments that the federal government has made to them. UnitedHealth successfully fought to keep the government from collecting this money.
Another major concern is that Medicare Advantage plans are failing to cover the care their members need and are entitled to. Government audits show that Medicare Advantage plans are inappropriately delaying and denying care and coverage to hundreds of thousands (if not millions) of their members. This puts patients’ health and safety at risk. Thousands of people end up paying for care that should have been covered—or foregoing care altogether.
CMS has not named or flagged these corporate health plans on its Medicare website or notified people in any other way of plans with serious violations, as it had agreed to do at the recommendation of the Office of the Inspector General. So, people with Medicare are unaware when they enroll in a Medicare Advantage plan that the government has found to be jeopardizing the health and safety of its members. Instead, CMS continues to give four- and five-star ratings to some of these health plans. In the process, it misleads older adults and people with disabilities about their performance.
What’s more, CMS has found that a sizeable number of Medicare Advantage plans have for years issued highly inaccurate provider directories; and, the GAO has noted “concerns about ensuring enrollee access to care.” Many of these health plans have narrowed their provider networks. GAO suggests that it is not at all clear which of these Medicare Advantage plans have an adequate number and mix of health care providers in their networks.
To date, the Trump administration has been steering people into Medicare Advantage plans, without regard to their deficiencies. And, it has failed to provide people with Medicare with meaningful information about their health plan choices as required by law. It is on a reckless path, promoting the business interests of Medicare Advantage plans that violate the law over the health care needs of vulnerable Americans.
The administration and its congressional allies are playing a game of bait and switch with older adults and people with disabilities. They allow Medicare Advantage plans to lure people with benefits that traditional Medicare does not offer, such as dental care and transportation services to the doctor, without exposing their failings. The Trump administration’s goal is to fully privatize Medicare and shift more costs onto older and disabled Americans.
To be clear, Trump’s executive order does nothing to hold the Medicare Advantage plans accountable for their fraudulent overcharges or their inappropriate denials of care and coverage. Rather, it rewards them. It gives them even more discretion regarding the services they cover and the freedom to create new bells and whistles to lure in members. The health and financial well-being of older and disabled Americans hangs in the balance.
Diane Archer is a senior adviser to Social Security Works and founder and president of Just Care USA, an independent digital hub covering health and financial issues facing boomers and their families and promoting policy solutions. She is the past board chair of Consumer Reports and serves on the Brown University School of Public Health Advisory Board. Ms. Archer began her career in health advocacy in 1989 as founder and president of the Medicare Rights Center, a national organization dedicated to ensuring that older and disabled Americans get the health care they need. She served as director, Health Care for All Project, Institute for America’s Future, between 2005 and 2010.
This article was produced by Economy for All, a project of the Independent Media Institute.
WATCH: GOP congressman suffers coughing fit — while praising Trump at mask-optional GOP convention
Republicans in the swing state of Wisconsin gathered in Green bay for a mask-optional convention on Saturday.
"Speakers at the convention also praised Trump's handling of the COVID-19 pandemic, including the president's push to reopen the nation's economy and schools. More than 300 people attended the GOP state convention, with few in attendance wearing face masks, as [recommended] by public health officials," the State Journal reported Saturday.
Lincoln Project takes on the ‘Trump crime spree’ in new ad: ‘It’s a billion-dollar criminal enterprise’
Disgruntled former top Republican strategists took on President Donald Trump's "law and order" message in a new 2020 video posted on Saturday.
The ad, by the Lincoln Project, recounts how many top former Trump officials have been convicted of felonies.
"It's not a campaign, it's a billion-dollar criminal enterprise," the narrator begins.
The ad noted the criminal convictions of Paul Manafort, Rick Gates, Mike Flynn, George Papadopoulos, Michael Cohen and Roger Stone.
"Nixon was bad, Trump is worse," the narrator declares.
"Trump is the most corrupt president in U.S. history. There's only one way to end the Trump crime spree -- throw him and his crooks out of office," the ad concludes.
Trump campaign manager mocked for ‘America First’ message on coronavirus — as the US leads in fatalities
President Donald Trump on Saturday wore a mask in front of the press corps for the first time since the coronavirus pandemic began spreading across America.
Brad Parscale, Trump's 2020 re-election campaign manager, posted a picture of Trump wearing the mask on Twitter, with the hashtag #AmericaFirst.
Users quickly pointed out America is leading the world in coronavirus infections.
Here's some of what people were saying about Parscale's tweet:
Yep. Nailed it! pic.twitter.com/HJuHhnDLvZ