The Real Problem
Despite inappropriate disbursements that Medicare makes based on private sector fraud and political corruption, the main culprit behind Medicare’s eminent collapse is the demographics.
Like Social Security (which is nowhere near as broke as Medicare), the federal government forced workers to pay premiums (taxes) for their Medicare “insurance.” Private insurance companies are required by law to maintain reserves in order to pay out future claims. The federal government, on the other hand, has been running a Ponzi scheme and has exhausted virtually every penny. The government is now on the hook for $34 trillion of liabilities. No one knows where the money will come from for these future Medicare/Medicaid disbursements.
If you are curious as to why Congress has failed so miserably in overseeing Medicare, look no further than the political contributions and lobbying efforts made by those who benefit by scamming the Medicare system. Partial reform will happen when free market forces are allowed to compete for Medicare dollars, as opposed to the bureaucratic albatross that now exists.
One problem is that Medicare will only pay for FDA-approved medical devices and drugs. As we know, this means that Medicare recipients are forced into overpriced therapies that are laden with side effects. Treating drug-induced side effects results in the expenditure of even more health care dollars. To make matters worse, the efficacy of certain FDA-approved drugs is so mediocre that patients sometimes live only a few months longer by taking them. The cost to Medicare for these drugs can easily exceed $50,000 per patient. Complementary physicians who prescribe unapproved cancer therapies that cost a fraction of FDA-approved drugs are subject to criminal prosecution.
So we have a system in place today in which progressive doctors are persecuted, while those who sell dangerous and often ineffective therapies receive protection and payment from the federal government. People without the financial wherewithal have no choice, since Medicare will only pay for what the FDA claims is safe and effective. Conventional medicine’s goldmine will end when Medicare exhausts its ability to pay.
A group of FDA scientists recently revolted against their superiors and went directly to Congress.10 The reason was that they were told by their superiors to certify new medical devices as safe and effective, when the clinical testing data showed the opposite. This is just one example of how the FDA contributes to today’s health care cost crisis by allowing dangerous products on to the market that Medicare then pays for.
One Way to Slash Medicare Outlays
Low blood levels of vitamin D are associated with increased incidences of virtually every human disease.11-14
In 2007, I petitioned the federal government to mandate vitamin D supplementation in Medicare-eligible individuals in order for them to be eligible to receive benefits.15 I proposed that the government require that people must have a minimum blood level of 32 ng/mL of vitamin D or they would be denied coverage. This would force aging people to take this ultra-low-cost supplement, which in turn would drastically slash the incidences of the most common aging-related disorders.
Vitamin D Status
ICU patients with
sufficient vitamin D
ICU patients with
insufficient vitamin D
ICU patients with
deficient vitamin D
Optimal vitamin D blood levels are over 50 ng/mL, yet most Americans’ levels test far below 30.16-19 By mandating basic vitamin D supplementation, Medicare might regain some of its solvency, as it would be paying out far fewer medical expenses.
A study published in the New England Journal of Medicine evaluated blood levels for vitamin D in intensive care unit (ICU) patients.20 The average serum vitamin D level was only 16 ng/mL. All patients with undetectable levels of vitamin D died.
Patients with the lowest vitamin D blood levels had the most severe organ dysfunction and the most adverse outcomes. The predicted mortality (death) rate was:
It costs Medicare about $2,674 a day to care for ICU patients, and some of them linger for weeks or months in this expensive hospital setting.21 Mandating optimal vitamin D levels could slash the number of Medicare patients requiring ICU care.
While common sense solutions exist, the aging population will challenge the solvency of Medicare unless something radical is done to keep humans healthy.
Mainstream medicine bases its financial projections on lots of aging people contracting cancer, vascular disease, and dementia. Today’s medicinal “industry” does not want any interference with their income stream and have no incentive to institute preventive programs.
The public is more health conscious today than ever. The problem is that too many people continue to abuse their bodies with excess intake of dangerous calories, cigarette smoking, and physical inactivity. Add to this the insufficient intake of nutrients such as magnesium, vitamin D, omega-3s, and it is no wonder that health care expenditures are bankrupting this country.22
Government Has to Fess Up to the Problem
To shock the public into a pro-active state, the federal government has to admit that they are not able to pay future Medicare claims unless aggressive steps are taken to prevent age-related disease. The public needs to know that if they don’t take personal responsibility for their health care, there may be no Medicare dollars available to cover their sick care.
The government needs to initiate mandatory warnings (that I would be happy to write) on the labels of all dangerous foods. People would be less likely to buy toxic foods if they were reminded about the risks associated with eating them. The government should encourage food companies to state truthful claims about healthy foods such as “eating broccoli reduces cancer risk.”
The main reason Medicare is facing insolvency is that too many aging people are getting sick. These diseases of aging are preventable via a wide variety of lifestyle alterations. It will require a sustained governmental public relations campaign to hammer in the need for Americans to follow healthier lifestyles.
Alternatively, lifting the ban currently in place that precludes the dissemination of truthful health information about a wide variety of foods, hormones, nutrients, and even certain drugs would make a significant positive impact on the aging population, which in turn would help resolve the catastrophic Medicare cost crisis we now face.