The Reluctant Welfare State Essay

2111 Words 9 Pages
The United States is sometimes described as a “reluctant welfare state.” I agree with this statement. Too often there are programs created by our government that, although may be lined with good intentions, end up failing in their main purpose. The government may, and hopefully does, seek to help its citizens. However, by applying unreasonable qualifying or maintenance criteria, or too many restrictions that bar people from even receiving aid at all, they end up with many more problems than solutions. Three examples of policies that do this are: Medicare, No Child Left Behind, and TANF, or the Temporary Assistance for Needy Families. Medicare is health insurance for people age 65 or older, under age 65 with certain disabilities …show more content…
(“Understanding the limitations,” 2010) Although different resources like Medigap and supplemental insurance policies do exist to offset the downfalls of Part A, it is still a challenge because people do not always know where to look. Medicare Part B is an optional program available for those who are eligible for Part A. It includes physician coverage and lab services such as blood work. It requires a monthly fee as well as a deductible. After those are paid, it covers eighty percent of costs, while the payer is responsible for the other twenty (Blau, 2010). Many physicians will charge more than the amount that Medicare approves, leaving patients responsible for that amount as well. Blau states that the recession, coupled with co-payments, deductibles, and varying fee schedules, the average beneficiary who is not receiving long-term care can expect to pay around $4000 in out-of-pocket costs. (pp.400) Medicare Part C, as said before, is meant to be an alternative to Medicare Parts A and B. Coming out of the reliance on HMOs, policymakers developed the Advantage program. It is Medicare insurance available through private health insurance companies. They often cover a wider variety of features than straight Medicare. (“Understanding the limitations,” 2010) Medicare Part D is a prescription drug program with monthly premium, a

Related Documents