Commentary |

Project 2025's plan to do away with Medicad and Medicare

Fernando Zhiminaicela/Pixabay


While admitting that Medicare and Medicaid “help many,” the authors of Project 2025 nonetheless declare that the programs “operate as runaway entitlements that stifle medical innovation,


by Sonali Kolhatkar



Conservatives have done the United States a huge favor by explaining in detail what they’ll try to do if Donald Trump is reelected.

Project 2025, a “presidential transition project” of the Heritage Foundation, helpfully lays out how a group of former Trump officials would like to transform the country into a right-wing dystopia where the rich thrive and the rest of us die aspiring to be rich. 

Declaring in its Mandate for Leadership that “unaccountable federal spending is the secret lifeblood of the Great Awokening” (really!), the plan focuses heavily on reversing social progress on the rights of racial and sexual minorities. 

It also promises to decimate the most popular benefits programs in the U.S.: Medicare and Medicaid. 

In a section dedicated to the Department of Health and Human Services, Project 2025 declares that “HHS is home to Medicare and Medicaid, the principal drivers of our $31 trillion national debt.” 

This is a popular conservative framing used to justify ending social programs. In fact, per person Medicare spending has plateaued for more than a decade and represents one of the greatest reductions to the federal debt.

While admitting that Medicare and Medicaid “help many,” the authors of Project 2025 nonetheless declare that the programs “operate as runaway entitlements that stifle medical innovation, encourage fraud, and impede cost containment, in addition to which their fiscal future is in peril.” 

To solve these imaginary problems, they suggest making “Medicare Advantage the default enrollment option” rather than traditional Medicare.

But Medicare Advantage (MA) is not a government-run healthcare program. It’s merely a way to turn tax dollars into profits for private health insurers. The more that MA providers deny coverage, the more money their shareholders make. There is no incentive for them to cover the health care needs of seniors.

There is plenty of evidence that MA programs not only fleece taxpayers by submitting inflated reimbursement bills to the government but also routinely deny necessary medical coverage. 

In other words, they’re drinking out of both sides of the government trough.

The Center for Economic and Policy Research pointed out in a March 2024 paper that the “insurance companies that run these MA plans spend significant sums of money to blanket seniors with marketing” while relying on “heavily restricted networks that damage one’s choice of provider along with dangerous delays and denials of necessary care.”

But Project 2025 claims, without evidence, that “the MA program has been registering consistently high marks for superior performance in delivering high-quality care.” 

Medicaid, the government program that covers health care for the lowest-income Americans, including millions of children, is also a major target of the conservative authors.

They want to add work requirements to the benefit, adopting the familiar conservative trope of low-income Americans living off tax dollars because they’re too lazy to work. And like the MA programs, they want to allow private insurers to get in on the game.

Calling Medicaid a “cumbersome, complicated, and unaffordable burden on nearly every state,” Project 2025 complains about the program’s increased eligibility while at the same time claiming to care about how it impacts “those who are most in need.”

But a June 2024 report by the Center on Budget and Policy Priorities concludes that Medicaid’s expanded eligibility rules have helped insure millions of Americans who would otherwise be uninsured and saved money in state budgets. 

Most encouragingly, “the people who gained coverage have grown healthier and more financially secure, while long-standing racial inequities in health outcomes, coverage, and access to care have shrunk.” 

Project 2025 claims to have the underlying ideology to “incentivize personal responsibility,” as if its authors simply want Americans to begin acting like responsible grownups. But they mysteriously don’t apply this same standard to wealthy elites — perhaps because that’s precisely who they are.


Sonali Kolhatkar is the host of “Rising Up With Sonali,” a television and radio show on Free Speech TV and Pacifica stations. This commentary was produced by the Economy for All project at the Independent Media Institute and adapted for syndication by OtherWords.org.

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Healthcare tip: 7 can't-miss steps for Medicare annual enrollment

Couple applying for Medicare
Photo: Brandpoint

BPT - It's here - your yearly opportunity to make changes to your Medicare coverage. Medicare Annual Enrollment happens every year Oct. 15 through Dec. 7, during which you can review your current plan, compare your coverage options, and make any necessary updates. Any changes you make then go into effect on Jan. 1, 2024.

Whether you're enrolling for the first time or not, it can be a lot of information to sift through. To help you stay organized and make sure you check every box, ClearMatch Medicare created the following handy checklist. Follow these steps to find the coverage that works for you.

1. Create a provider list

Make a list of all your current medical providers, including your primary doctor as well as any specialists or services you use regularly. This should also include the clinics or hospitals you visit most. Listing this information will help you decide which Medicare plan is right for you.

2. List your prescriptions

Do you take any prescription drugs? If so, write them down. Medicare plans change each year, and it's possible that your current plan may stop covering your prescriptions. Have your medications top of mind before comparing plans for the coming year.

3. Plan ahead

If possible, have a conversation with your doctor about what screenings, tests or medications you might need in the coming year. While you can't see into the future, try to note any healthcare changes you expect over the next 12 months.

4. Review your plan's Annual Notice of Change and Evidence of Coverage

If you have any coverage outside of Original Medicare (Parts A and B), your plan sends an Annual Notice of Change (ANOC) and Evidence of Coverage (EOC), which you should receive in September. If you don't receive one, contact your plan. These documents provide details about upcoming changes to your coverage. Compare them to your current and projected medical needs to determine if it's time to change plans.

5. Review your current Medicare and other insurance coverage

Think about your existing plan. Is it meeting your needs? Are you OK with the cost? Reflect on what's working and what's not - then plan for any changes you need to make for next year.

And if you have other health insurance benefits besides Medicare, talk to your benefits administrator to determine how your Medicare enrollment impacts your additional health coverage.


Read our latest health and medical news

6. Review Medicare Advantage options

Many Medicare Advantage plans offer benefits not covered by Original Medicare, such as prescription drug coverage and routine dental and vision care. You may find that a Medicare Advantage plan saves you money thanks to this increased coverage. These plans also have a yearly out-of-pocket maximum, unlike Original Medicare.

7. Confirm your total cost

The total cost of your Medicare plan may include monthly premiums, deductibles, co-pays and co-insurance. When comparing plans, dig a little deeper for an accurate picture of total costs so you're prepared for the year and know what you can afford. Keep in mind:

* For Part D plans, you need to consider the monthly premium, co-pays and the drug formulary. Most insurers use tiered pricing for prescription drugs. If your prescriptions are on one of the upper tiers, your co-pay could be substantial.

* Most Medicare Advantage and Part D plans with extremely low premiums have higher co-pays, deductibles and out-of-pocket maximums.

Overwhelmed by all these steps? Don't worry, free help is just a phone call away. ClearMatch Medicare is dedicated to making Medicare easier to understand so you can choose the plan that's right for you. Their highly trained and licensed insurance agents are patient and helpful, and if they find you're already in the right plan, they'll tell you so.

Call 1-888-441-7382 (TTY:711) for a free Medicare review, Monday-Friday, 9 a.m.-9 p.m., Saturday, 9 a.m.-3 p.m. (ET) or visit ClearMatchMedicare.com, open 24-7.


Guest Commentary | Who should you vote for in the next election?

by Glenn Mollette, Guest Commentator


I’m voting for the Presidential candidate who will promise to keep Social Security solvent. I’ve hit the age where I’m finally on the receiving end of some of this government money and I want to keep it going. Never fear, I’m still paying plenty of taxes. I’m still holding down a job so Uncle Sam takes a big slice of every paycheck.

Seventy million Americans feel the same way I do when It comes to Social Security. For over 30 million Americans, Social Security is all they have and many do not even collect $2,000 a month. Many receive far less and so every month they have to juggle their money to survive.

I do agree with the perspective that if we could have put our money into a 401k or stock from ages 18 to 62, we would have more than a million dollars. The monthly check from a million-dollar stock portfolio would be much more than what most are collecting form monthly Social Security. You would also have some money to leave your kids, maybe. However, keep in mind that Social Security is a safety net for millions of Americans who become disabled before retirement age. I know many who started collecting full benefits in their fifties. In these situations, the monthly income is greater than if their money had been placed into a stock fund, most likely. So overall, I’m still a fan of Social Security.

I will further support the candidate who promises to keep Medicare going. I’m at the age now where I have doctor’s appointments. I have traditional Medicare, not “advantage.” I do have to pay for a supplement every month which is not cheap. However, I can walk into any doctor’s office in America and they are thrilled to see me when they find out I have traditional Medicare. I don’t enjoy going to doctors but knowing the bulk of the cost is covered relieves some of the pain.

Next, are our military and Veterans. Our military is hurting. They are having trouble recruiting. Attracting young men and women has become a challenge. The military population has gotten older. Keeping military pay, benefits and adequate housing up to date is crucial in order keep a stable, strong military. Plus, take care of our Veterans who served. It breaks my heart when I meet a homeless Veteran. This should never be in America.

We have to have border security. We do not have it now. Millions of illegal migrants have entered America. Thousands are still entering illegally each and every month.

The list goes on. We need a strong positive emphasis on growing and supporting our police force and a broad approach to energy. Let’s use all of our resources, electricity, oil, gas and coal. Why can’t we have a balanced approach to our energy needs? We can and should. Manufacturing and farming are critical to America. We need to build and grow. Everything our government can do to encourage both of these should be welcomed and applauded.

Of course, there is plenty more that’s very important and we’ll be talking about it in the months ahead.


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Dr. Mollete was a senior minister for 39 years and served as President of the Kentucky Baptist Convention. He is the author of 13 books including Uncommon Sense, the Spiritual Chocolate series, Grandpa's Store, Minister's Guidebook insights from a fellow minister. His column is published weekly in over 600 publications in all 50 states.



The views expressed are those of the author and are not necessarily representative of any other group or organization. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.


App created to help LGBTQ+ reduce debt and increase savings

Photo: StatePoint

StatePoint Media - While many Americans have financial concerns about the future, these anxieties are far more prominent among the LGBTQ+ community.

LGBTQ+ adults 60 and older earn less money and have more trouble paying their rent, mortgage, and other expenses than their non-LGBTQ+ peers, according to research from the Leading Age LTSS Center @UMass Boston and the National Council on Aging. SAGE, the world’s largest and oldest organization dedicated to improving the lives of LGBTQ+ elders, reports that 51% of LGBTQ+ elders are very or extremely concerned about simply having enough money to live on, compared to 36% of their non-LGBTQ+ peers.

Economic experts say that this financial security gap is a direct legacy of past governmental policies that put LGBTQ+ adults at a financial disadvantage, as well as ongoing discrimination that makes it harder for members of this community to secure employment, inclusive healthcare, family support and other fundamentals many take for granted throughout their lives and as they age.

Recent efforts are helping improve outcomes for the most vulnerable members of the community. For example, SAGECents is a digital financial wellness tool created specifically for the estimated 3 million LGBTQ+ Americans currently over 50, to help increase financial stability and reduce economic stress.

Launched in 2020, SAGECents is a collaboration between SAGE and LifeCents, a financial wellness technology and consulting firm, with the tool fully funded by the Wells Fargo Foundation.

This groundbreaking program is putting financial wellness into the palm of people’s hands. By creating a free account, SAGECents assesses each participant’s financial health, giving them much needed insights into their financial lives and a starting point to help them make financial decisions that improve their financial wellbeing. This includes information such as what benefits are available through Medicare, how to create a health proxy and a living will, and tips for increasing credit scores.

The app can also pair users with certified, LGBTQ-proficient financial counselors. Nearly 50% of SAGECents participants report saving an average of $571, more than 38% have reduced their debt an average of $591, and 39% have raised their credit score an average of 26 points. To learn more, visit sageusa.org.

“This is the generation that fought at Stonewall, and beyond, for the rights that so many of us enjoy. But sadly, this also is a generation that faced years of discrimination and underemployment and they are struggling financially in their later years,” says Christina DaCosta, SAGE chief experience officer. “Through the comprehensive resources and tools offered by SAGECents, we aim to empower and support these elders to achieve financial prosperity.”

In addition to widening access to financial tools for individuals, the Wells Fargo Foundation also supports SAGE’s efforts to break down the barriers responsible for this financial security gap, such as advocating against housing discrimination.

“At the root of the financial security gap is systemic discrimination. Tackling those issues is at the heart of our company’s efforts to create a stable financial future for members of the LGBTQ+ community,” says Ben-James Brown, Financial Health Philanthropy, Wells Fargo Foundation.

New Medicare Advantage now tailoring to Asian Americans, Latinos, and LGBTQ+ needs

by Stephanie Stephens
Kaiser Health News

As Medicare Advantage continues to gain popularity among seniors, three Southern California companies are pioneering new types of plans that target cultural and ethnic communities with special offerings and native-language practitioners.

Clever Care Health Plan, based in Huntington Beach, and Alignment Health, based in nearby Orange, both have plans aimed at Asian Americans, with extra benefits including coverage for Eastern medicines and treatments such as cupping and tui na massage. Alignment also has an offering targeting Latinos, while Long Beach-based SCAN Health Plan has a product aimed at the LGBTQ+ community. All of them have launched since 2020.


Asian Americans may want coverage for traditional Eastern treatments, while LGBTQ+ patients might be especially concerned with HIV prevention or management

While many Medicare Advantage providers target various communities with their advertising, this trio of companies appear to be among the first in the nation to create plans with provider networks and benefits designed for specific cultural cohorts. Medicare Advantage is typically cheaper than traditional Medicare but generally requires patients to use in-network providers.

“This fits me better,” said Clever Care member Tam Pham, 78, a Vietnamese American from Westminster, California. Speaking to KFF Health News via an interpreter, she said she appreciates the dental care and herbal supplement benefits included in her plan, and especially the access to a Vietnamese-speaking doctor.

“I can always get help when I call, without an interpreter,” she said.

Proponents of these new culturally targeted plans say they can offer not only trusted providers who understand their patients’ unique context and speak their language, but also special products and services designed for their needs. Asian Americans may want coverage for traditional Eastern treatments, while LGBTQ+ patients might be especially concerned with HIV prevention or management, for example.

Health policy researchers note that Medicare Advantage tends to be lucrative for insurers but can be a mixed bag for patients, who often have a limited choice of providers — and that targeted plans would not necessarily solve that problem. Some also worry that the approach could end up being a new vector for discrimination.

“It’s strange to think about commodifying and profiting off people’s racial and ethnic identities,” said Naomi Zewde, an assistant professor at the UCLA Fielding School of Public Health. “We should do so with care and proceed carefully, so as not to be exploitive.”

Still, there’s plenty of evidence that patients can benefit from care that is targeted to their race, ethnicity, or sexual orientation.

A November 2020 study of almost 118,000 patient surveys, published in JAMA Network Open, underscored the need for a connection between physician and patient, finding that patients with the same racial or ethnic background as their physicians are more likely to rate the latter highly. A 2022 survey of 11,500 people around the world by the pharmaceutical company Sanofi showed a legacy of distrust in health care systems among marginalized groups, such as ethnic minorities, LGBTQ+ people, and people with disabilities.

Clever Care, founded by Korean American health care executive Myong Lee, aimed from the start to create Medicare Advantage plans for underserved Asian communities, said Peter Winston, the senior vice president and general manager of community and provider development at the company. “When we started enrollments, we realized there is no one ‘Asian,’ but there is Korean, Chinese, Vietnamese, Filipino, and Japanese,” Winston added.

The company has separate customer service lines by language and gives members flexibility on how and where to spend their allowances for benefits like fitness programs.

Winston said the plan began with 500 members in January 2021 and is now up to 14,000 (still very small compared with mainstream plans). Herbal supplement benefit dollars vary by plan, but more than 200 products traditionally used by Asian clients are on offer, with coverage of up to several hundred dollars per quarter.

Sachin Jain, a physician and the CEO of SCAN Group, said its LGBTQ+ plan serves 600 members.

“This is a group of people who, for much of their lives, lived in the shadows,” Jain added. “There is an opportunity for us as a company to help affirm them, to provide them with a special set of benefits that address unmet needs.”


Alignment also has an offering aimed at Latinos, dubbed el Único, in parts of Arizona, Nevada, Texas, Florida, and California.

SCAN has run into bias issues itself, with some of its employees posting hate speech and one longtime provider refusing to participate in the plan, Jain recounted.

Alignment Health offers a plan targeting Asian Americans in six California counties, with benefits such as traditional wellness services, a grocery allowance for Asian stores, nonemergency medical transportation, and even pet care in the event a member has a hospital procedure or emergency and needs to be away from home.

Alignment also has an offering aimed at Latinos, dubbed el Único, in parts of Arizona, Nevada, Texas, Florida, and California. The California product, an HMO co-branded with Rite Aid, is available in six counties, while in Florida and Nevada, it’s a so-called special needs plan for Medicare beneficiaries who also qualify for Medicaid. All offer a Spanish-speaking provider network.

Todd Macaluso, the chief growth officer for Alignment, declined to share specific numbers but said California membership in Harmony — its plan tailored to Asian Americans — and el Único together has grown 80% year over year since 2021.

Alignment’s marketing efforts, which include visiting places where prospective members may shop or socialize, are about more than just signing up customers, Macaluso said.

“Being present there means we can see what works, what’s needed, and build it out. The Medicare-eligible population in Fresno looks very different from one in Ventura.”

“Just having materials in the same language is important, as is identifying the caller and routing them properly,” Macaluso added.

Blacks, Latinos, and Asians overall are significantly more likely than white beneficiaries to choose Medicare Advantage plans, according to recent research conducted for Better Medicare Alliance, a nonprofit funded by health insurers. (Latino people can be of any race or combination of races.) But it’s not clear to what extent that will translate into the growth of targeted networks: Big insurers’ Medicare Advantage marketing efforts often target specific racial or ethnic cohorts, but the plans don’t usually include any special features for those groups.

Utibe Essien, an assistant professor of medicine at UCLA, noted the historical underserving of the Black community, and that the shortage of Black physicians could make it hard to build a targeted offering for that population. Similarly, many parts of the country don’t have a high enough concentration of specific groups to support a dedicated network.

Still, all three companies are optimistic about expansion among groups that haven’t always been treated well by the health care system. “If you treat them with respect, and bring care to them the way they expect it, they will come,” Winston said.

This article was produced by KFF Health News, which publishes California Healthline, an editorially independent service of the California Health Care Foundation. 

KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about KFF.

How to spot Medicare scams and protect yourself


Medicare fraud occurs when someone makes false claims for health care services, procedures and equipment to obtain Medicare payments.
Family Features - More than 65 million people in the United States were enrolled in Medicare as of February 2023, with more people becoming eligible and enrolling each year. Anyone on Medicare is at risk of Medicare-related fraud, and the Medicare program continues to warn people to watch out for scammers who steal Medicare Numbers and other personal information to exploit beneficiaries' benefits.

Broadly speaking, Medicare fraud occurs when someone makes false claims for health care services, procedures and equipment to obtain Medicare payments. Medicare fraud costs taxpayers billions of dollars and puts the health and welfare of beneficiaries at risk.

"Anyone on Medicare can be a target of Medicare fraud," said Centers for Medicare & Medicaid Services (CMS) Administrator Chiquita Brooks-LaSure. "But there are steps you can take to protect yourself and your loved ones by using CMS' fraud tips to recognize and report potential scammers. Let's all work together to make sure you're not a victim of Medicare fraud."

How to Spot Medicare Scams
There are many types of Medicare scams, taking the form of unsolicited emails, phone calls, text messages, social media posts and phony websites. Scammers often claim to be from the Medicare office, an insurance company or a government office. They'll ask for your personal and financial information, such as your Medicare or Social Security Number, so that they can submit false claims for payment.

Remember that Medicare will never call, text, email or contact you through social media asking for your Medicare Number.

How to Protect Yourself
You'll also need to know how to protect yourself from potential fraudsters. Remember to:

  • * Guard your Medicare Number just like your Social Security card and credit card
  • * Share your Medicare Number only with trusted health care providers
  • * Review your Medicare statements, watch for services billed that look suspicious and ask questions if something looks wrong
  • How to Report Scammers
    Reporting Medicare fraud protects you and millions of other people with Medicare and those with disabilities. If you or someone you know have experienced Medicare fraud or suspect an offer you've received is a scam, report it as soon as possible.

    To learn more about Medicare fraud, visit Medicare.gov/fraud. To report potential Medicare fraud, you can call 1-800-MEDICARE (1-800-633-4227) or report the scam to the Federal Trade Commission at ReportFraud.ftc.gov.

    Information provided by the U.S. Department of Health and Human Services.

    I'm all for having medical insurance for everyone

    By Glenn Mollette, Guest Commentator


    Give all Americans the option to buy into Medicare.

    I've paid into Social Security and Medicare my entire life. I'm still paying to be on Plan B and Supplemental Coverage. I also pay for prescription insurance. I often feel like a coffee coupon from McDonald's would pay for about as much medicine as my prescription card pays.

    I no longer pay over $1600 a month in medical insurance but I still pay about $450 a month even with Medicare. Nothing is free.

    Americans should have the option to buy into Medicare especially if medical insurance will not cover them and they can't afford the sky rocketing premiums. It's also time to get rid of medical supplements and prescription cards. Make Medicare a single payer of the doctor's visits, prescription costs and all the above.

    The government has more power to control the cost of big pharmacies and hospital costs. Most medical providers have "one price" but then the "price" they will accept from Medicare. Under President Trump Hospitals will have to display their secret negotiated rates to patients starting in January, 2021. This gives you the option to shop around.

    I'm all for having medical insurance available. Make it available from state to state. Make it easy for Americans to buy from pharmacies in Canada. Let senior Americans at age 55 buy 20-year term medical insurance plans if they would prefer to do so. Some Americans have no idea how desperate other Americans are when it comes to medical treatment.

    Why make it so hard for Americans who do not have access to healthcare? Let them buy into Medicare. If they are unemployed or disabled then give them the Medicaid option. However, this is just more bureaucracy. This system needs to become one.

    It's also time to make 60 the age that retired Americans go on Medicare.

    In your late fifties and early sixties Americans have to start going to the doctor more. A friend of mine is waiting until she turns 65 and has Medicare so she can have a badly needed surgery. She needs it now. If she could buy into Medicare she could go ahead and move forward with her needed surgery.

    We also need to turn the age back to 65 for collecting full Social Security benefits. American men die by the time they are 76.1 years old. Many die much younger. This is very little time to enjoy retirement. Sadly, many Americans aren't having much of a retirement in their golden years. Many are working longer and spending less time doing what they had hoped to do.

    The government waste our Social Security contributions. They've spent trillions on foreign wars. They now tell us Social Security has be reduced by 25% in a few years. Rich political leaders want to push the age until 70 for you to collect your Social Security. This is not working for the American people. We are working longer with the prospects of collecting less. On top of this, older Americans are having to pay more of their dwindling retirement dollars for medical bills.

    Bringing our troops home and spending less money in Iraq, Afghanistan and on rebuilding foreign nations is a start. We can and we must fix our medical insurance dilemma.

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    Dr. Glenn Mollette is a syndicated American columnist and author of American Issues, Every American Has An Opinion and ten other books. He is read in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization.

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    This article is the sole opinions of the author and does not necessarily reflect the views of PhotoNews Media. We welcome comments and views from our readers.


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