The power of propaganda- where is my Medicare refund?🥵

When politicians throw around “free” there are people who accept that literally. In our current debate on M4A that free word pops up frequently, what do you think it means?

I was listening to a radio talk show today and a caller asked how soon after M4A was passed would he get his refund.

“What refund,” the host asked. “They keep saying it’s all going to be free and since I have been in Medicare for ten years, aren’t I going to get a refund for all the premiums I’ve paid?”

I wonder if he realized the typical Medicare beneficiary pays only 25% of the cost of Part B, and Part D and that working Americans pay a 1.45% tax on all wages plus 0.9% on wages in excess of $200,000 for the balance of all costs. And, oh yes, a portion of the income taxes paid on Social Security benefits also goes to Medicare, but all of it is not sufficient to keep the Trust solvent.


  1. J Ratt,
    While I can agree on the ‘no such thing as a feee lunch’ comment, I must advocate that getting an annual wellness visit is not a free lunch concept at all but rather a possible avoidance of catastrophic cost due to an undetected issue that may surface later. Detecting a small melanoma early can keep you well for many years of retirement rather than see you suffer with skin cancer that has advanced too far just as an early diagnosis of breast cancer at say stage one can keep your wife with you as opposed to not getting the mammogram and learning five years later that she has stage four cancer and then the cost will be much greater than that supposed ‘free lunch’



    1. Robert – Sure if I notice a spot on my arm that is new or a skin condition that will not heal, I would get it checked out. But, I had not been to the doctor from age 40 until age 60, Because of no health issues. I had blood tests done and a colonoscopy no polyps. My blood Test were all in the normal range, the same as when I retired from the USAF in 1995, and have been the same the last 3 years. I eat healthy and family history is excellent. I test my blood pressure at home, it always reads in the normal range and every time my mom has tested my blood sugar it reads between 90 and 95. My grandfathers lived to 85 and 83. My father died in a car accident at age 66 and was in good health his whole life. His grandfather lived to be 95. My mother is 89 and has type 2 Diabetes and controls it with diet, no medications. I know people who run to the doctor at the drop of a hat and that is just driving up healthcare costs for all of us.


  2. I. The balance of the costs for Medicare Part B and D are paid in two ways – primarily thru general revenues ( income taxes ) and Part B and Part D surcharges. The 1.45 tax is actually 2.9% when you include the employer paid portion (that reduce wages), and it along with the .9% surcharge fund the Medicare Part A hospital insurance trust fund. There is no trust fund for Parts A or D.


      1. In 20 months my wife and I will be 65 and will have to pay $150 each per month in Medicare premiums. We have Tri-Care for life medical insurance as a military retiree. We only get to keep that insurance if we sign up for Medicare and Medicare pays first then Tri-Care pays the balance. My medical cost last year was $190 for 2 office visits. I still think the $3,600 per year is well worth it, as you never know what the future will bring. They are running an ad in my area, telling new people signing up to Medicare to make sure and schedule your FREE check up once you get your card, because it is FREE!!!.
        I will not be doing any unnecessary visits to my doctor, because it is not FREE, it will just help drive up future Medicare premium increases. I guess people have forgotten the old saying that there is no FREE lunch.

        The economic theory, and also the lay opinion, that whatever goods and services are provided, they must be paid for by someone – that is, you don’t get something for nothing. I guess they are not teaching that in school any longer. .


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