GOP Retirees Struggle With Health Care

Many, On Both Sides Of The Ailse, Underestimate Their Medical Expenses, AARP Says

(AP)  The first three years of retirement were a frightening experience for Peggy Lambert. She was repeatedly denied proper health insurance because of preexisting health problems.

It's a nightmare scenario for millions of older Americans, only with a good ending in this case.

"All I can say is that when I turned 65 it was one of the happiest days of my life because I could go on Medicare and then get supplemental insurance," said the retired registered nurse from Maryville, Tenn., now 67.

Predicaments like Lambert's underscore why health care is a primary concern among retirees nationwide, regardless of income level or political affiliation. Lambert and her husband enjoy a "very comfortable" income in retirement and she is a national committeewoman-elect of the Republican Party.

The Associated Press interviewed a handful of retiree delegates at the Republican convention to sample their views on health care and other issues that most concern them.

Not all would put health care at the top of the list - just as Republicans and Democrats disagree on how to address soaring medical costs.

But AARP, the organization for older Americans, says access to affordable quality health care and lifetime economic security are by far the two most important issues for its members and retirees.

"The real problem with the health care system is just skyrocketing costs," said spokesman Jim Dau. "People get incredibly anxious about 'Do I have enough?"'

It's an important question because the United States has the highest per-capita health care spending of any nation. Health insurance premiums have increased 72 percent since 2001 and Medicare premiums have doubled in the same time, according to the AARP.

Dau warns that many people underestimate their health care costs under Medicare and that substantial resources are still needed.

"Medicare only covers on average half of your out-of-pocket expenses," he said. "So for people who think 'I made it to 65, I qualify for Medicare, I'll be OK,' they could be looking at a rude wakeup."

It was high risk as much as high cost that prevented Lambert and her husband John, 68, from getting the insurance they needed.

Selling their rock quarry business five years ago, which cost them access to group insurance, proved to be a mistake because insurers wouldn't give them individual policies due to John's history of cancer, their age and other health issues.

After a period with no coverage, they ultimately had to go to a high-risk insurance company and pay more than $500 a month for a policy that entitled them to hospital admission but maximum coverage of $25,000 - a ceiling that can be reached quickly with a serious ailment. Prescription drugs ran another $400 to $500 monthly.

Lambert, a member of the convention's platform committee, had no specific recommendation when asked what should be done about health care and whether the government should play a greater role.

"I'm not sure I know what the solution is. I just know what the problem is," she said from St. Paul, Minn.

"But I can say this: It's a terrifying experience to know that you have no coverage, and you limit your trips to the doctor, and there's just so many things you can cut back on."

The two parties' presidential candidates offer contrasting approaches.

Republican John McCain advocates a refundable tax credit of $2,500 for individuals and $5,000 for families to make health insurance more affordable, but no mandate for universal coverage. Democrat Barack Obama wants mandatory coverage for children and aims for universal coverage by requiring employers to share the costs of insuring workers.

As the oldest convention delegate, former Montana Gov. Tim Babcock, 88, says access to health care isn't as large a problem in this country as the Democrats portray, and feels they are trying to play it up for political purposes.

However, he said: "Federal programs that help the really needy, we need to provide for that."

Babcock and his wife Betty, live in Helena on Social Security and a small pension he gets from consulting for Occidental Petroleum. He said they're readily able to meet health care costs and benefit from free prescriptions he's entitled to as a World War II veteran.

"It's an emotional thing that the Democrats like to build up, that everybody doesn't have health care. I think I was about 40 years old before I realized there was such a thing as health insurance, and I got along all right," said the retired governor, who served in office from 1962-69.

John Ortega of Bettendorf, Iowa, who retired in 2006 as an information technology specialist for an insurance company, also doesn't favor government steps to lower health insurance costs. The 67-year-old Army veteran receives Medicare, Medicaid and Veterans Administration insurance.

"I think small or regular business can handle that better than the government can," he said.

But he does advocate help for the needy and is a volunteer board member of Iowa's Hawkeye program, which provides insurance for low-income children with funding from Medicare and the state.

"When people say health insurance is not available, it certainly is available to people who don't have a lot of money," he said.

[eggy1620]

%u201CLambert and her husband enjoy a "very comfortable" income. . .%u201D

And yet she was thrilled to go on Medicare. Sounds like this GOPer wants socialism for her demographic but not for anyone else.

[warmonger247]

If Your A Pregnant Teen Vote For The GOP.... Ha Ha Ha

[dredre2k]

GOP Healthcare Politics works as long as you''re healthy and rich... too bad 40,000,000 other people w/o healthcare won''t have the "comfortable income" this GOP''er affords.

[jean243]

My health care premiums jumped 41% in 2008. They jumped 26% in 2007. My income did not jump at all.

The best-run assisted living center in my area is a not-for-profit run by a church. Socialized medicine is not a dirty word, except to insurance companies who have duped Americans.

Even though Peggy is a Republican, I recommend she rent and watch the movie "Sicko," by Michael Moore. This movie will shock her and open her eyes. Americans have been duped and lied to by insurance companies, insurance lobbyists, and Congress.

Americans are much worse off than citizens in Japan, the UK, Canada, Sweden, France, Greece, etc. We have been lied to.

The Medicare Advantage bill Congress passed in 2003, to allow more privitization of Medicare, will cost taxpayers $54 billion more in 2009-2012, for the same procedures without privitization. This extra cost will go to insurance companies'' advertising, administration, and profits.

[jean243]

John Ortega in the article above says that health insurance is available to people who don''t have a lot of money. I disagree. In addition, it''s not available if you are in your 50''s and have had a shoulder injury, or arthritis in a hip, or glaucoma. The list goes on and on. In other words, it''s available to a few lucky children from charities, to the young, and to the healthy. Why? Because for-profit insurance companies focus on profits. Limited socialization is necessary in societies. I don''t advocate socialized communal farming, or socialized business. But socialized medical care is just as sound as socialized police and socialized firemen. The people investing in insurance companies can instead invest in alternative energy. Change can bring a better life for all.

[dmgenet]

I remember talking to a neighbor about his choice for President prior to the first W election. He said that if things didn''t get better for retired people he''d probably be voting for a Democrat.

[jmmalone2]

GOP doesn''t do health care--didn''t anyone tell you that. Why doesn''t Palin hold her own baby???
Judy

[im4honesty]

This story is a good example of stupidity. The republican party advocates zero oversight of corporations such as insurance companies, big pharm, big oil, etc. Hillary Clinton worked to cure the health care crisis and her efforts were stopped by the republicans and the insurance companies. Yet the republican party has somehow been able to capture and hold a large enough percentage of the voting public (the intellectually challenged) like this woman. The republican party consists of the very rich and the very stupid.

[kansas1946]

Too bad Peggy. You have probably voted for nothing but Republicans. You probably spent years saying, "Too bad, those people should take care of themselves and not want the government to take care of them." You probably voted for dozens of Republicans that voted to cut medicare benefits, that allowed insurance companies to only take the"cream" to maximize profits, while anyone with a medical history was denied. Just get out there on that floor, cheer for McCain and Palin, and quite whining.

[labourboss]

These people remind me of the republican retiree begging their republican senator not to let the government take over Medicare.
The truth is most people can not even dream of retiring before they are 65 because they will not have medical insurance.

[calman5]

GOP likes to talk about "owner society".
Sorry, you are on your own. It''s your problem!!!

[hsinco-2009]

It strikes me that all of those that offered opinions were on some form of govt entitlement, or free drugs as a WWII vet. Not all of are WWII vets. Or get Medicare.

Like the man said, an ownership society, you''re on your own!

[hsinco-2009]

The Medicare Advantage bill Congress passed in 2003, to allow more privitization of Medicare, will cost taxpayers $54 billion more in 2009-2012, for the same procedures without privitization. This extra cost will go to insurance companies'''' advertising, administration, and profits.

Posted by Jean243 at 03:42 PM : Sep 03, 2008

The only things the GOP did when in control of Congress is to pay off big business of all industries.

I sure look forward to the new Congress under the new President to roll back many of the Bu$h and Repug years damage. And I don''t expect McBu$h would do that so......

Vote Obama!!!!

[stn_sage]

I like the irony implicit if not directly stated in articles of this type!

That is, people voted for and continue to vote for the very politicians whose actions directly and indirectly HARM them! And YET, some of them NEVER learn!

They keep putting them back in office and say, ''please, hurt me some more''! Then, turn around and GRIPE about it! Un-frig''n-believable!

[keithle1]

Soon as they hit 65, taking Medicare doesn''t seem like such a "government handout." They''re not too proud then. They''re glad to have it & Social Security.

"Keep the government out of my life!" That''s a nice mantra when you''re 25.

[keithle1]

Let me clarify something. I know it''s not "welfare" since you pay into it, but you know what I mean.

[frankbowers]

The biggest problem with insurance for the seniors today is AARP. They have screwed America and its Seniors with and by the NRP and the little squint eyed idiot up in DC.
AARP wrote the law and gw signed them with out any other company giving any input at AARP''s direction to gw bush.
I have been an insurance agent since 1961 and have watched how ARRP has been the single sole provider of informmation that the prior Nat Rep Party controled Congress wrote the spec. for insurance. They are the full root of the problem them and their tax free status and the billions they poured into the NRP war chest to get them re elected.
The AARP now require its agents to carry O and E Insurance (this is to cover them in case they are caught in a lie and are forced to pay off the client)as the fact they are allowing them to lie to the public about the benefits and cost.
Frank Bowers of Austin, TX