Baby-boomers and the U.S. Health Care System

For the past few decades the term “baby-boomers” has never left the headlines. There are many reasons why this generation of Americans always attract the spotlight. First of all this generation comprises a significant chunk of the U. S. population. Furthermore, children born to this group were the ones who grew up and became involved in the cultural-changing events of the 1960s. This is the same generation that provided volunteers and soldiers to the infamous Vietnam War.

In order to fully appreciate the impact of this generation to current history it must be noted that former president Bill Clinton as well as incumbent president George W. Bush belong to this demographic. In recent times the baby-boomers are again in the glare of publicity because this segment of the population is threatening to negatively impact the U. S. health care system. The following four articles provide differing views on the said subject matter. This paper will take a closer look at the baby-boomer generation and its impact on the healthcare system.

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This can be achieved by comparing and contrasting four articles taken from New York Times and MSNBC News. The four articles reveal important information about this demographic while at the same time supply necessary data that will help readers get an overview of the problem as well as possible solutions. The world’s media is painting a grim picture of the future, that baby-boomers are to blame for the impending crisis that will wallop the U. S. health care system. Is there truth to the claim or is there another way to read the facts?

The following articles provide different perspectives on the subject of baby-boomers in relation to the health care system. For the first article that will be examined, MSNBC’s Tracie Potts wrote a report entitled “Boomers to flood medical care system. ” There is simply no way to misinterpret what she meant by that. For a long time now the United States of America is bracing for a coming storm. In a few more years there will be a significant number of aging Americans who will retire and come looking for the long promised retirement benefits and a major part of it is access to quality health care services.

Tracie Potts asserts that there is a strong possibility that many of those who will retire is in for a big disappointment and she even declared that if things will not be corrected in the near future then America should be ready for an impending crisis. Michelle York on the other hand wrote that aside from the usual problems of lacking proper medical insurance and the impact due to sheer numbers of baby-boomers that will be needing health care there is another related problem – the lack of medical practitioners that will be able to take care of them.

Aside from facilities and medical supplies the most important part of the equation are the doctors. Now, everyone knows that doctors are in the business of providing care and just like other professionals they will not work for free. There maybe some rare instances where a doctor will be driven by compassion but even the most generous will realize that they have to pay back that huge loan incurred to pay tuition fees in medical school. They cannot be forced to go where there is greatest need; they will only consider moving into an area where they can also get the most out of their time and hard work.

Now there is a problem when it comes to retirees. A person finally quitting the work force in order to enjoy doing the finer things in life will have to settle in areas where the cost of living is lower in order to stretch their retirement funds. That is a good plan the only problem is that in these places doctors are hard to find. The third piece that will be examined was written for the New York Times. O’Neill entitled the article this way, “Want to Retire Early and Hang a Shingle? It’ll Cost You.

”In this report O’Neil discussed that baby-boomers are not stupid and that they work hard during their youth and pre-retirement years to save enough money so that they can afford not to work and yet lead quality lives. But O’Neil cautions that for those who will opt out of the work force before the age of 65, there is one more thing left to do and it is to set aside $100,000 or more to cover health insurance until they qualify for Medicare. Suddenly retirement is not as fun as one would think, especially for those who did not do their homework when it comes to long-term care insurance.

There are just so many things that Medicare will not cover. Rick Lyman’s article significantly differs from the three already mentioned. His piece is the silver lining behind the clouds. He admits that baby-boomers will create a deep impact in American society but he believes that the doomsayers are exaggerating and therefore Lyman declared, “Census Report Foresees No Crisis Over Aging Generation’s Health. ” The following pages will take a closer look at the said four articles. Boomers Tracie Potts warns that in the coming years there will be millions of baby-boomers that will flood the U.

S. medical system. The problem according to her is that the health care system in this country is not yet ready for a sudden rise in the numbers of retirees. In order to understand the seriousness of the problem Potts reminded her readers that there are about 78 million Americans that will turn 65 years old soon. Seventy-eight million is already the population of a small country and realizing the size of this demographic can easily scare anyone especially if the one reading the report belongs to the younger generation tasked to work in order to sustain America’s current health care system.

Potts reiterated her concerns, “We face an impending crisis as the growing number of older patients, who are living longer with more complex health needs, increasingly outpaces the number of health care providers with the knowledge and skills to take care for them capably” (2008). The report listed the following common problems associated with senior citizens who had a misplaced trust in Medicare and retiring without sufficient knowledge that having Medicare will not be enough as seen in the following facts:

1. There aren’t enough specialists in geriatric medicine;
2. Insufficient training is available;
3. The specialists that do exist are underpaid;
4. Medicare fails to provide for team care that many elderly needs;
5. Medicare may even hinder seniors from getting the best care because of its low reimbursement rates (Potts, 2008).

Included in this report is another piece of bad news coming from the American Medical Association who provided the heads-up, “This July, the government will begin steep cuts in Medicare physician payments, and 60 percent of physicians say this cut will force them to limit the number of new Medicare patients they can treat” (Potts, 2008).

In this article one can see the problems the great influx of senior citizens needing quality healthcare and the inability of the U. S. Federal government to provide for that need. This article is an important contribution in any study regarding boomers and their impact on the U. S. medical system. Potts was able to go into the nitty-gritty of the main issue. It was informative and well-balanced reporting. The reader can finish evaluating the article and come away with key points such as the inability of Medicare to cover all medical needs even if the person is already 65 years old and eligible for this type of medical insurance.

Another major contribution of this article is in addressing the need for more trained specialists. The lack of trained specialists can easily increase the cost of health care expenses. Medical Professionals In a related article Michelle York focuses on the medical problems of baby-boomers living in the State of New York and she wrote, “At a time when the aging baby-boomer population finds itself in need of more medical services, fewer young doctors want to work in many of the distressed cities and towns throughout New York State (2007).

This is understandable because a medical professional has to earn a living too and there is no incentive that will entice them to choose to work in distressed cities and towns in dire need of medical professionals. The following figures describe a disturbing trend that although there is an increase in the number of licensed physicians this rise in numbers will not solve the problem outright and here are the explanations:

The remaining doctors who chose to stay in distressed areas are also ready to retire – some are already 55 or older – but the problem is recruiting replacement is extremely difficult. Young medical practitioners find these areas non-viable and unattractive (York, 2007). This article is also very informative. It allows the reader to see the boomer issue from another angle. The usual points for discussion when it comes this topic usually centers on medical bills, expensive treatments, and expensive drugs. As a result there are laws that were passed specifically addressing the said problems.

Lawmakers will continually strive hard to lower prices of medicines and find ways to build better hospitals. But York’s article diverts attention to these common problems and instead focuses on something that is far more challenging – there are no doctors in distressed areas. Now how can the federal government solve this problem? Lowering the price medicine can be considered a very easy feat as compared to convincing a very driven young doctor to live in areas where he knows he will not be able to pull as much money as he would have if he decides to live in the big city.

Suddenly York made everyone sit-up and realize that this is a problem that requires a complex set of solutions and that the government should start working on it now because time will come when even old doctors serving in upstate regions and far flung counties will have to hang-up their hats and say adieu to the medical profession. High Cost of Retirement For John O’Neil the explanation for the impending crisis is simple. It is simply too expensive to pay for health care. There are so many factors that contribute to this reality.

As mentioned earlier there are a limited number of specialists focusing on geriatric treatment. In some areas the problem is much simpler to identify – there are no doctors in sight. O’Neil adds another reason why it will be much harder for baby-boomers to immediately decide to hang their work clothes and go straight to their favorite fishing hole and he wrote, “The percentage of companies offering retirees health benefits has plummeted in the last decade, according to a recent report by the Employee Benefit Research Institute.

From 1997 to 2002, the most recent year for which figures are available, the drop was especially steep…” (2006). This means that even if baby boomers are still in the workplace they are no longer contributing to their healthcare plans. O’Neill cited Paul Fronstin, director of the institute’s health research and education program, who said that future retirees are not assured of medical insurance coverage unless they fall into one of the following categories: 1. high-level executive; 2. union worker in a large manufacturing company; or 3. civil servant (O’Neil, 2006).

There are those who did not belong to any of the categories mentioned above but they have spouses willing to keep working until they qualify for Medicare but there are many who are not as fortunate. O’Neil also pointed out that the saddest part is that many Americans, especially those who are going to retire soon are unaware that such problems exist. Many thought that they are covered and yet when they are out their on their own with no other means of support they will be in for a rude awakening because health care cost is not what they expect it to be.

O’Neil’s article is a wake-up call for those who may have thought that retirement is the answer to all their problems. No more back-breaking work and all the money needed to spend for the things that one truly loves doing. O’Neil splashed cold water into the faces of those daydreaming about fly-fishing and endless hours at the golf course. No sir, retirement before the age of 65 means no access to Medicare and if the new retiree figures in an accident, long-term care insurance is way too expensive. It is also a good thing that O’Neill pointed out a fact that more and more companies are reducing their offer of retiree health benefits.

It is high time to check if a potential retiree’s company is offering retiree health benefits or not before deciding to retire. No Crisis over Aging Rick Lyman’s article offers an alternative view. Although Lyman concedes that baby boomers will still tax the U. S. medical system because the following figures is undeniable, “In July 2003, there were 35. 9 million Americans over the age of 65, about 12 percent of the population. By 2030, federal officials predict, there will be 72 million older people, about 20 percent of Americans” (Lyman, 2006).

Yet Lyman predicted that the outcome will not be as devastating because baby-boomers are aging well with fewer disabilities even as they turn 65. Lyman cited Richard J. Hodes – director of the National Institute on Aging – who asserts that this positive trend is due to an improved quality of life; today’s older Americans are better educated and more wealthy than previous generations which accounts for their ability to take care of themselves (Lyman, 2006). Yet Lyman also made a caveat that the growing obesity rate may neutralize the positive trend.

This article by Lyman is not only significant because it offers a positive outlook of the current health care debacle but it also encourages many future retirees to be more vigilant when it comes to taking care of their health especially those that are prone to diabetes and obesity. It must be noted that Lyman’s assertions are based on the significant reduction in the number of senior citizens suffering from a form of disability. Due to the fact that many of the baby-boomers are enjoying great health there is a possibility that the impact will be less disastrous.

Yet it is also good to know that diabetes and obesity can easily reverse the trend because these two medical conditions can easily transform a perfectly healthy individual into an invalid irregardless if he a boomer or not. Compare/Contrast The four articles are in agreement on the following areas: 1. The significant number of baby-boomers will greatly impact the U. S. medical system. 2. Health care cost is rising. 3. There are other factors that contribute to the health care problem and not merely due to the size of the baby-boomer generation.

Authors, Potts, York, and O’Neil are also in agreement that boomers will break the bank. It is only Lyman who offered a more positive outlook. Although Lyman acknowledges there is a problem he is sure that doomsayers are exaggerating and that actual figure show that boomers are adapting well. Lyman argues that due to the fact that boomers have a higher literary rate as compared to previous generations this generation will be able to quickly understand and assimilate information regarding health issues and as a result they will be able to incorporate into their lifestyle practices that will ensure longevity and good health.

On the other hand all four authors are unanimous when it comes to the idea of retaining the services of retirees and instead of pushing them out the door. There are a number of industries that require more experienced workers especially when it comes to the medical field it is very expensive to train specialists. So if a retired medical professional decides to work a few more years after retirement his expertise can be used without having to undergo further training. In this way more people will benefit from his services. Conclusion

There is no need to elaborate on the fact that baby-boomers comprise a significant percentage of the American population. Figures vary but it is estimated that there are at least 72 million boomers living in this country. This demographic can easily command the attention of various businesses but in the past few years it has gripped the attention of health care experts who are predicting a crisis if some issue will not be resolved soon. There is a good reason to be alarmed, 70 million people is roughly the size of a small country.

Imagine a group this big and all of its members suddenly turning gray and opts to exit the workplace and as a consequence of age and other factors begin taxing the U. S. healthcare system. The four articles reveal at least three glaring facts as to why the aging of the boomer will create a force that will wallop America’s medical system. First of all, even without considering the boomers the U. S. health care system is already in shambles, meaning not everyone can afford medical insurance simply because it is downright expensive.

It is expensive to pay for doctors, it is expensive to pay for specialists and it is even expensive to pay for caregivers that do not have any form of medical degree. Secondly, there are simply not enough health workers that will be able to do the job. In the case of the boomers there is an added problem of needing more specialists especially those that specialize in geriatric medicine. Finally, the most disturbing fact of all is that there are many boomers who are unaware that they need to have more money in order to pay for their health care related expenses.

It must be noted that those who retire before 65 will not be eligible for Medicare. And yet even if they have Medicare this type of health insurance will not be able to cover everything. All three articles agree that there is an impending crisis unless desperate measures are taken up. This includes enticing retirees not to become idle and instead allow themselves to be reabsorbed into the workforce. There is now an added bonus because retirees with their years of experience can ask for part time work or can choose only to do things that they love doing.

There is only one author who disagree with the doomsayers. But even he gave some sort of tempered optimism because even with a wealthier and more educated boomer generation the rising rate of obesity can still offset the positive trend. All in all the four articles are informative and it allows the reader to get a good overview to one of the hottest social issue in America today.

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