Maximize Your Medicare Newsletter March 27, 2015 “Doc Fix” Will Affect Beneficiaries Most of the attention is on the fact that the cost of the “Doc Fix” is to be paid by the providers. By and large, that may well be true, but... What isn’t getting publicity, and is “probably” a case of the elected officials attempting to avoid criticism, is that he proposed changes to Medicare will affect beneficiaries, both future and current ones. Here are two vital points that I have not explicitly seen on the internet or any other source. A. Medigap plans that offer first-dollar coverage will not be available beginning in 2020. That means Medigap Plans C and F are going to be discontinued, and that no new enrollees will be allowed. Existing policyholders should be able to keep their outstanding policies. B. ACOs (Accountable Care Organizations) will affect original Medicare and Medicare Advantage beneficiaries. The reason the legislation will affect beneficiaries is notably complicated. The question will be how one, fixed-price for a therapy will feed down through Medicare Advantage plans. It is my view that Medicare Advantage will become more complicated, not less, as ACOs allocate to physicians, hospitals, etc. that means that the co-pays will be more confusing, not less. C. The daily cost of coinsurance for Skilled Nursing Home Care will increase. The lack of public outcry over these proposed changes is notably absent.
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