Policy Topic Search and Selection

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Policy Topic Search and Selection
The topic chosen is Medicare, and the affected stakeholders are the elderly. This population is directly affected by Medicare and its possibilities. Those who are covered by Medicare are named as beneficiaries. Medicare is a federal program that provides health coverage to over 41 million Americans, including virtually everyone age 65 and older and over 6 million younger adults with permanent disabilities ("Medicare," 2011). The elderly are directly affected by Medicare because it is the only option many have for accessing health care. The future of Medicare is concerning many elderly folks, and those thinking about Medicare for the future. The funds that it takes to keep this program going are massive, and many think about the on-going costs over the years. Medicare offers access to a variety of services; however it excludes long term care including nursing homes. It covers many acute medical conditions, in which a patient usually recovers from. There are four parts to the benefits program for Medicare which are: A, B, C, and D. Part A assists with paying for inpatient hospital care, hospice care, some home health care, and some skilled nursing facilities. For most people, part A does not have a premium. Part B assists to pay for doctors, physical or occupational therapy, and outpatient hospital care. Part C allows various HMO’s, PPO’s and similar health care organizations to offer health insurance plans to Medicare beneficiaries ("Medicare," 2009). Part C is also capable of offering vision and dental care. Part D offers prescription drug benefits. Part D premiums vary depending upon state. For the elderly, Medicare is the single program that covers them for their health and medical needs. They are responsible for paying their deductibles and coinsurance amounts. Seniors also have the opportunity to purchase supplemental insurance policies to cover care that Medicare does not cover. The government has a tough job on its...
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