Monday, May 18, 2009

The Difference Between Medicaid And Medicare

by Don Bethune

Medicaid and Medicare have a few things in common. They both are forms of an insurance program as well as both are run by the United States government. As you will see that is where the similarities end for those two.

Medicare is designed for people who are at least sixty five years old. In contrast, Medicaid is for the sick or disabled without regard for their age. Administered by the government, Medicaid is funded by taxpayer contributions. Its beneficiaries may also be required to pay a portion of doctor visit costs and hospital stays in addition to a deductible.

Medicare is another insurance program that is run by our government, yet each state and or county has different rules and guidelines. This is a social service program, meaning that it mostly insures the lower income class of people. Struggling single parents, homeless people, low income workers, immigrants both legal and illegal. Medicare does not cost the patient anything, nor do they ever have to pay it back.

I feel Medicaid is a good program mainly because the people that are recieving medicaid have paid into the pot. Therefore in a way earning their stance for coverage. Now Medicare i feel is a program that alot of people know how to use the system. Which I feel is unfair and misused by many. I feel that only citizens of the United States should recieve medicare assistance. How can it be fair that an illegal person can come over here and get the same benefits as myself.

Why should we focus on the benefits of citizenship? In fact a decent number of lower income Americans are unfairly excluded from these entitlement programs while an illegal immigrant might be eligible for Medicare among other programs. While Medicaid has good intentions it, like many things, is in desperate need of a overhaul in several areas.

While Medicaid is a useful program for millions of people it could stand to benefit from a limited overhaul. This could perhaps be delivered in the form of lowered co payments or perhaps a small rebate check or gift card.

On the other hand Medicare needs a drastic makeover and perhaps tighten the guidelines. Imagine how much money would be saved if we were able to spend our taxpayers dollars on our programs that are in desperate need of help.

Progress requires that we as a country come together in unity and speak with one voice. Perhaps then our voices will be heard and there can be lasting change for a better community. That would be a real improvement, if not simple change.

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