特朗普与拜登医疗保险，处方药

选举日2020年有望成为多年甚至几十年来塑造年长美国人的生活的人。

如果您超过50岁，则代表了年龄段最大的选民，传统上对总统选举产生了巨大影响。有了这种影响，您有能力塑造您最关心的问题和子孙后代。

在这次总统选举中，您最涉及哪些问题？

根据AARP最近的一项民意调查，老年人希望在这次选举中解决一些关键问题。（（1）候选人管理的计划vwin app新冠肺炎危机今年排名榜首，您可能会看到媒体报道的冲击旨在帮助您巩固对此问题的立场。

您可能没有经常看到的是对可能影响您的其他问题的报道Medicareand处方药价格。

让我们花几分钟来看看每个候选人对这些紧迫的担忧有望深远影响您的生活和亲人的生活的说法。

有关的：How to Find the Best Medicare Advantage Plan

特朗普和拜登站在医疗保险上

特朗普总统尚未为vwin德赢app下载during this campaign. But the Trump administration’s 2021 budget proposal (2）也许是他未来议程的最佳迹象。在这项预算提案中，政府表示将：

• 保护和改善医疗保险计划
• 解决医疗保险和医疗补助的不当付款

该提案提供了有关政府计划如何保护和改善医疗保险的详细信息，而仅提供的。但是，最近，政府宣布对Medicare的更改，该更改允许Medicare Advantage计划成员可以为远程医疗提供更大的访问权限，并为患有慢性疾病的人和居住在农村地区的人提供医疗保险优势。

The proposed budget for next year states as a priority the standardizing of payments for medical care regardless of the site where care is received, and增加远程医疗的访问权限, both of which would be wins for seniors.

Trump’s budget includes greater restrictions on Medicaid eligibility, including work requirements, so one might conclude that overall healthcare savings could come from having fewer people eligible for Medicaid coverage. According to the Kaiser Family Foundation, (3）however, nearly one in five Medicare recipients is also covered by Medicaid, which serves as a supplement to Medicare coverage for low-income beneficiaries. If drastic cuts are made to Medicaid, this could have a negative effect on low-income senior citizens and on Medicare spending.

特朗普医疗保健倡议的基石是拆除《平价医疗法案》（ACA），这可以解释他的总体储蓄估计。据专家称，这也可能会使数百万没有保险的人。

If the ACA were to be repealed as Trump has proposed, Medicare recipients would lose benefits the ACA provided: incremental closing of theMedicare处方药“甜甜圈孔”并免费覆盖预防服务。2017年，特朗普总统颁布了2017年的《减税和就业法》，并废除了称为“凯迪拉克税”的ACA规定，这一举动加速了Medicare Trust Fund的破产。（（4）

总统一直支持联邦计划的深度削减，他的预算提案重申了这一优先事项。在接下来的十年中，医疗补助和医疗保险支出将大大减少：医疗补助的削减额为9000亿美元，Medicare削减了4500亿美元。由于没有其他解释，可以推断出这些节省是由于覆盖范围的削减。

拜登的计划在很大程度上不同

Biden has outlined a plan for Medicare that diverges significantly from his opponent's. Biden plans to:

• 将医疗保险资格年龄降低到60岁
• 为健康保险提供类似医疗保险的公共选择
• Add vision,听力, and牙科benefits to Medicare (5）

Biden’s proposal to lower医疗保险的年龄from 65 to 60 means that 20 million more Americans would be eligible for Medicare benefits, according to the Biden campaign. The Medicare-like public option would be an alternative for working-age adults who do not have or cannot afford employer-based benefits. Just as Medicare is able to negotiate lower rates for medical care than private insurance, this Medicare-like public insurance should be able to negotiate lower rates than private entities, offering an affordable solution for many people.

拜登已承诺保护和建立《平价医疗法案》。他的竞选活动估计，他的计划将确保97％的美国人，并在未来十年内花费约7500亿美元。这将通过增加资本收益税来支付。

尽管他党的许多成员都表示支持“所有人的医疗保险”，但拜登的计划并没有达到所有人的医疗保险。他的计划是对当前医疗保险的基础设施进行增量变化的一种更为中心的方法，而不是进行全面的大修。

拜登（Biden）和特朗普（Trump）站在处方药价格上

Perhaps one of the few issues where the two candidates find common ground is the need to control prescription drug prices, and the American public agrees. According to a recent poll, more than 81 percent of voters over 50 say that a candidate who ignores the rising cost of prescription drugs risks losing their vote.

AARP是该国最大的非营利性，非党派倡导组织，针对50岁以上的成年人，已发起了一项全国性的运动，主张所有美国人的处方药价格较低。为了对处方药价格进行实际变化，AARP支持五个关键政策变化：

• 允许Medicare谈判处方药价格。
• 允许各州谈判较低的毒品价格。
• 赋予州检察官的一般权力，以统治价格上涨
• 近距离漏洞，使公司能够推迟通用替代方案的到来。
• CAP消费者的自付开处方成本。（（6）

考虑到该评估，请查看每个候选人的建议。

拜登（Biden

Biden's plan will:

• 废除允许制药公司避免与Medicare谈判的药品价格的例外。
• 建立一个独立的审查委员会，为新药设定合理的价格。
• 限制毒品价格上涨到当前的通货膨胀率。
• 允许消费者从其他国家购买药物。
• 结束制药公司的广告税收减免。
• 加速开发并增加通用药物的可用性。
  

有关的：如何找到最佳的Medicare补充计划

特朗普为降低药品价格做了什么

Throughout his first term, Trump has reiterated his 2016 campaign pledge to lower prescription drug costs. During the 2016 campaign, Trump also voiced support for repealing the law that prevents Medicare from negotiating drug prices with pharmaceutical companies. Since taking office, however, he has not furthered this agenda. What he has done, is:

• 使从其他国家进口毒品变得更容易
• Limited rebates pharmacy benefit managers can get when they negotiate prices with drug companies forMedicare部分dplans
• Capped monthly insulin costs for some members enrolled in Part D plans
• 增加了可用的通用数量

他2021年的预算提案表示，政府将：

• 通过将制药公司的回扣增加到联邦政府，支持两党的举措来控制药品价格
• ImproveMedicare部分d通过为老年人提供自付费用，并提供降低成本和自付费用的激励措施

外卖

特朗普和拜登（Biden）作为总统候选人已经承认，这两个问题对美国老年一代至关重要的问题：医疗保险和处方药价格非常重要。

Trump seems likely to continue on his current path of dismantling the Affordable Care Act where possible, reducing costs (and likely coverage) of Medicaid, providing support for Medicare and, more specifically, Medicare Advantage plans, and curbing prescription drug prices.

Biden的计划提议将Medicare的资格年龄从65降低到60，并提供类似Medicare的公共保险选择。他的提议将向数百万美国人扩大保险范围，并将由资本获得税法的变化资助。Biden通过允许Medicare与制药公司协商药品价格并允许制药公司设定的价格来降低处方药价格的积极方法。

As the needs for Americans grow because of current events that have upended the lives of many — the新冠肺炎大流行，失业和经济下滑 - 我们下一任总统要解决这些对老年人健康和福祉至关重要的问题将变得迫切。