RyanCare: Will It Destroy HealthCare?
Joseph W. Brennan D. S. W., M.Div.
Representative Ryan wants to replace the present Medicare program with a medical voucher system. Medicare recipients reportedly will continue to receive their benefits, those fifty five or younger will receive vouchers. This may sound good at first, but its limitations become evident upon further scrutiny.
First, RyanCare is not a Health Care plan, but rather a Plan for the Healthy. The current fifty five year old will become aware of two basic facts: 1) RyanCare has eliminated the Affordable Care Act and its protection against exclusionary clauses due to pre-existing conditions, 2) health insurance companies will charge exorbitant fees for these pre-existing conditions. As car insurers prefer non car owners, health insurers want only the healthy.
The physically fit, Mr. Ryan appears to be unaware of the American health crisis, including such conditions as: diabetes, high blood pressure, heart conditions, cancer, and other major illnesses. Once rejected for insurance those with pre-existing conditions will become permanently ineligible for any health care coverage. Regular Medicare beneficiaries would see the return of the medicine Doughnut Hole, and the reduction of their own services due to the transfer of contributions from the central fund to the Ryan privatized plan.
RyanCare benefits insurance companies, not service recipients. “Premium supplements” really mean additional financial supplements for insurance companies who now will compete among themselves as to how high they can make the premiums. Anyone qualifying as “high risk applicant” will either pay higher monthly fees, or rely solely on emergency room services. Preventative health care will be non-existent.
RyanCare will affect all age groups. Younger dependents will face coverage cuts, those assisting older parents will now have to “supplement the supplement”. Only the physically and financially fit will have no problems with RyanCare, the rest will struggle to survive. Insurance companies will continue to dictate what medical services will or will not be covered, and what they will charge for “administrative fees”. Fifty million Americans are without health care coverage, forty thousand die each year for that same reason. RyanCare, rather than promoting choice, forces individuals to choose which private insurance policy will accept them. The choice is really the insurance company’s, not the individual’s. Have no doubts, RyanCare not only will kill Medicare, it will kill Americans.