Expanding Medicare to Include Prescription Drug Coverage
Introduction
Throughout the past year of presidential campaigning, one of the top issues for both candidates has been that of whether or not there should be a prescription-drug benefit added to Medicare. Both George W. Bush and Al Gore have proposed a plan to expand Medicare to include full prescription-drug coverage for senior citizens receiving Medicare, at the expense of taxpayers. It is obvious why this issue has been such a priority for both candidates. Senior citizens vote at a much higher rate than other age groups. Both candidates know the importance of these senior citizen votes and believe that the proposal of adding a prescription-drug benefit is something that will appeal to a vast number of senior citizens. Both candidates have portrayed the issue as being very critical and as a serious problem that needs to be addressed.
The question, however, is whether or not such drug coverage is a worthwhile project to undertake. Is the problem indeed serious enough to call for the type of reform that the candidates are proposing? Medicare is already a very costly program to keep up, and adding prescription-drug coverage would increase these costs even more. In order to fund this project, there will need to be a tax hike. Should taxpayers subsidize this prescription-drug benefit? Is there a good reason why this redistribution should take place? What are the benefits and costs of this proposal? These and other questions will be addressed in this paper as we examine the following topics: the need for senior citizens to have prescription-drug coverage, the political rhetoric involved with this issue, the projected shortfall in the budget of the Medicare program, and who really would benefit if a prescription-drug benefit was added to Medicare.
Need for Prescription-Drug Coverage
Many people argue that the lack of a prescription-drug benefit is the major shortcoming of the Medicare program. But are Medicare recipients really in need of such a benefit? According to a study done by the AARP Public Policy Institute, about 25.6 million, or 65 percent, of noninstitutionalized Medicare beneficiaries already receive some type of prescription-drug coverage, whether it is through employer-sponsored health plans or individually purchased private health policies. This leaves about 13.5 million Medicare beneficiaries who are without prescription-drug coverage.
Due to the Patient Protection and Affordable Care Act signed into law on March 23rd, 2010; health care in the US is presently in a state of much needed transition. As of 2008, 46 Million residents (15% of the population) were uninsured and 60% of residents had coverage from private insurers. 55% of those covered by private insurers received it through their employer and 5% paid for it directly. Federal programs covered 24% of Americans; 13% under Medicare and10% under Medicaid. (Squires, 2010)
(II) The enacting of Medicare Part D in 2006 only helped to fuel America’s hunger for prescription medication. In 2003, President George W. Bush announced and signed the Medicare Prescription Drug, Improvement, and Modernization Act (also known as the Medicare Modernization Act, or MMA) on December 8th. The roughly $400 billion dollar measure was marketed to the American public as something that will provide care for the millions of senior citizens who, at the time, were struggling to afford prescription medication. This was the largest development of Medicare since 1965, which is when the program was initially created, and gave hope to those wishing for positive medical reform. According to title XI of the “Medicare Prescription Drug, Improvement, and Modernization Act of 2003”, the most significant change will be the affordability of prescription drugs by implementing the importation of drugs from Canada, along with necessary safety measures, in order to lessen the cost (United States Congress, 832). For those who were in retirement homes and lacked a steady income, the affordability of drugs was often a deciding factor in the decision to seek medical attention and the idea that those individuals ceased to live simply because they lacked the funds tugged at the heartstrings of many Americans.
Piracy costs companies and artists money. Companies spend millions of dollars on research and development to make software. Artists spend countless hours to film a movie or record an album. Record labels and movie production companies spend millions of dollars producing and marketing entertainment media. The companies’ and artists’ investments are supposed to be returned in the form of profits from the media that the companies and artists sell to the public. However, if “pirates” are selling illegal copies of the media, the companies do not make any money. For example, Feng Xiaogang, a Chinese director, said in an article on CNN.com, “We estimate that one pirated DVD is watched by five people and there are roughly one million pirated copies of our film. One million copies times five people times $2.10 per tickets -- that's more than twelve million Yuan in box office loss” (FlorCruz 2002).
In the beginning of the construction of the Three Gorges Dam, there were several problems. There were several protestors and opinions about the dam before the Three Gorges Dam project was even started.1 China has had history of several dam failures in the mid-1970s that were responsible for thousands of deaths. The three gorges (Xiling, Wu, and Qutang) have scenery that is a tourist attraction.2 The dam was going to be a little over 600 feet tall, 7500 feet wide, and hold over 97 trillion gallons of water. Because of all of the population increase, China started using coal power plants1 and shipping, which causes acid rain over the region making the Yangtze River is one of the most polluted rivers in the world.4 It does not help that the Yangtze River runs right through Chinas industrial heartland. Using the river to transport their goods to other parts or China adds to the pollution.2 Pollution from mines, hospitals, and garbage dumping is another big problem for the river because the pollution is building up around the dam.1 With the Three Gorges Dam will come landslides because of the rising water tables and the large slopes with unstable soil from local farming causing more sediment being added to the river.3 And because the dam lies on a fault line there will also be an escalation of earthquakes. There is a huge decrease in sediment discharge; which caused a 90% sediment load into thousands of other reservoirs. Before the dam was operational, it was retaining water and sediments.4 The water levels were rising faster than anyone expected, therefore, the finish date had to be moved up.1 Scientists even projected that 70% of sediment discharge would be trapped for the first two decades and 44% would be store...
The Sun’s radiation heats the upper atmosphere, sending the energy toward the earth’s surface and finally mixes with the planet’s counter-rotational currents, creating jetstream flows. The winds flow over the ocean’s surface creating friction that spawns chops, pushing up the seas forming perfect bands of open ocean swell. Pushed on by gravitational forces, the swells speed away from the winds that they came from, moving across the deeps until they feel the drag of the shallows near the coast. As the swells rise up out of themselves, they peak, curling into the liquid dreams that we surfers ride (Kampton 4).
Recently, there has been a series of copyright infringement litigations against Internet businesses that are involved with unauthorized distribution of music files. The US recording industry claims to lose three million dollars per year because of piracy. A report predicted an estimated 16 percent of all US music sales, or 985 million dollars would be lost due to online piracy by 2002 (Foege, 2000; cited from McCourt & Burkart, 2003) Even though this claim has to be taken with caution, as it is based on false assumption that if copyright laws were strictly enforced, audio pirates would become buyers, it is apparent that audio piracy grew to a worrisome level for the record industry. (Gayer & Shy, 2003)
The author identifies some of the federal and state legislators that are also opposed to the Medicaid expansion in the writer’s district. US Senator John Cornyn says that the Obamacare Medicaid expansion program is formed to be wasteful, fraudulent, and abusive to the nation (Cornyn, 2010). According to US Senator Cornyn, “The $3.4 trillion federal taxpayers spend on the Medicaid program is a target for waste, fraud, and abuse. Instead of fixing these problems, the President’s new health care overhaul includes the largest expansion of the broken Medicaid program since its creation in 1965: it’s only going to get worse from here” (John Cornyn, 2010).
Since the 1920's, when the dam was first proposed, the Three Gorges Dam has been a topic for debate in the People's Republic of China. The construction of the world's largest hydro-electric project on the Yangtze River would be a detriment to the native flora and fauna, submerge rich farmlands, destroy archaeological sites, and force the evacuation of millions of people. Faced with international, as well as domestic, criticism about the ecological and social havoc the Three Gorges Dam would cause, the government of China has remained unnerved and has started construction on this highly questionable project. In December of 1995, Chinese Premier Li Peng officially launched the project at a construction site at Sandouping. However, the fight is not over yet since it will take close to twenty years to finish this massive water project.
Medicare and Medicaid are two of the United States largest broken systems, which must sustain themselves in order to provide care to their beneficiaries. Both Medicare and Medicaid are funding by a joint effort between the federal government and the local state government. If and when these governments choose to cut funding or reduce spending, Medicare and Medicaid take the biggest hit. Most people see these two benefits as one in the same, two benefits the government takes out of their pay check to help fund health care. While the government does deduct a sum from paychecks everywhere, Medicare and Medicaid are very two very different programs.
Medicare is the nation’s largest health insurance program. Generally, you are eligible for Medicare if you or your spouse worked for at least ten years in Medicare-covered employment and you are 65 years old and a citizen or permanent resident of the United States. Medicare-covered services include hospital insurance, inpatient hospital care, skilled nursing facility care, home health care, hospice care, and medical insurance (Medicare U.S.) With such an encompassing effect on the health insurance field, Medicare provides a haven for older individuals, and end-stage renal disease (ESRD) patients who require the best medical care for whatever possible reason. The only problem with this scenario is that doctors are turning many older patients away because they have Medicare. Why do doctors turn away Medicare patients? Is there a reason why certain doctors turn away certain patients?
Medicare is a federally governed insurance program, primarily serving Americans over the age of 65, younger disabled meeting specific disability criteria, and dialysis patients having permanent kidney failure. Medicare is linked to Social Security, is not income based, and is available to every American meeting the requirements of the program. Those entitled to Medicare can select Original Medicare Part A (Hospital Insurance) and Part B (Medical Insurance) paying co-insurance and deductibles or opt to add Part C (Medicare Advantage Plans) paying a monthly premium and co-payments normally less than the out-of-pocket expenses for Original Medicare.
In this essay the main character from Crime and Punishment by Fyodor Dostoevski, Rodion Raskolnikov, is broken apart to show how Psychoanalysis and Cognitive therapy deal with narcissistic clients. Cognitive therapy focuses on how the client categorizes experiences in his/her head leading them to have a unique set of ideals relating to the world.. This type of thinking will allows us to better understand why Raskolnikov, the main character of Crime and Punishment, views the people around him to be inferior in intellect. Psychoanalysis therapy’s main goal is to insure that patients become aware of themselves and their surroundings by digging deep into their unconscious mind. Both therapies work on making the client change their way of thinking by showing them how to think differently. These two therapies will be used to find a way to understand why Raskolnikov acts in impulsive ways causing others around him trouble.
Surface current are found in the upper four hundred meters (400m) and makes up about ten percent (10%) of ocean (Briney, n.d.). Surface ocean currents are as a result of friction between the water and atmosphere interface. The wind exerts a force or stress to the ocean surface and causes the water to move. The winds that most affect the oceans’ currents are the Westerlies which produce belts of ocean currents that flow east in the mid-latitude and the Trade winds which generate currents that flow to the west in tropical latitudes. These winds are mainly a result of warm air from the tropics moving towards the poles. The direction of the current is not the same as the direction of the wind but it is deflected at a forty five degree angle. This deflection is resulted from the earth’s rotation on its axis called the Coriolis force/ effect. Coriolis force and constrains by continental land masses cause surface currents to develop into an alm...
Nevertheless, before analyzing the impact of music piracy on a mass scale, one must start from the beginning of the 1990?s when the music industry experienced a growth in CD sales. In fact, ?according to the International Federation of the Phonographic Industry (IFPI), album sales grew from US $24.1 billion to US $38.6 billion during the decade.?(Zentner) But this era was short-lived and as the nineties drew to a close, the amount of illegal file swapping exp...
Each day an estimated 400,000 films exchange hands through the Internet. Movie piracy, once reserved to pirate syndicates and illegal duplication factories, has become a common staple among college students with high-speed internet access. With advanced compression technology, movie files can be transferred across continents in hours and across campus networks in under ten minutes. File-sharing is seen as a victimless crime, but the motion picture industry is expected to lose $3.5 billion this year alone due to piracy. Pirate activities undermine every aspect of the legitimate filmmaking business since legitimate retailers cannot possibly compete fairly with pirate business. Therefore, piracy negatively affects all aspects of film-making including the studios that invest in the film, the distributors, the retailers and foreign and local filmmakers.