How I Think Medicaid Should Work

After dealing with Medicaid for years and seeing how misused and abused the system is. Here is my idea of how I would appropriate it. The goal of my plan is to reduce spending and abuse, while improving total care. Some of this does include using state run welfare as an incentive, but we'll get to that later on. At times this may sound like an oversimplification but I feel the loopholes need to be closed and simplifying Medicaid is a good thing. Here is the total cost of Medicaid by states

Here it is:

1. Start with the same qualifying guidelines based upon the current United States poverty thresholds. These would need to be adjusted on a per state basis as $10,000 in California doesn't spend the same way $10,000 does in Indiana. Link to chart 1. Link to calculator. Link to chart 2. Other guidelines in regards to disability, pregnancy and the elderly would remain unchanged.

2. Cut the age of children covered to only those under the age of 18. I am not sure if all, but I know that at least some states have set coverage to children up to age 19. This may only be a small savings but since childhood ends at 18 for everything else, why not Medicaid? Also at 18 someone can legally go get a job and can support themselves.

3. Limit the number of kids a family is allowed to have on Medicaid to 1. If a family has more than 1 child and is forced to go on Medicaid, the parents will not be covered and a max of 3 children will be covered. This may seem cold blooded at first but why should others be punished for the poor decisions of those who cannot support what they have created. If I were in this situation, I'd be sure to do what I could to keep ALL of my children covered first. This same theory could also be applied to food stamps and welfare benefits.

My own opinion is that Medicaid and related benefits should not be a benefit to having more kids. Unfortunately in my own experiences in retail pharmacy, many people are shown and told from a young age how to ensure the survival of themselves and their family by milking the government system for free entitlements. By the same token I do believe that every person should be given a fair chance against whatever circumstances they come into this world under. To steal a quote from Dietrich Bonhoeffer, "The test of morality of a society is what it does for it's children."

4. Limit the amount of time an adult can be on Medicaid. My personal suggestion would be 5 years consecutively and a maximum of 15 years between ages 18 and 65. This would help to eliminate people who are living on the system while providing coverage enough for them to get back on their feet through tough times. Thus it's a system set up to help people in case of catastrophe and great need, while cutting those who abuse.

5. Random and frequent drug tests as well as checks for misuse and abuse. Although the test itself would be an increase in expenditures, it would help to ensure that those who are on Medicaid are not dealing in illegal activities (whether it be illegal use or selling) and using the government as a free ride. This would also include tobacco as a substance of abuse. I think most people agree that if someone is found to have an illegal substance in their body (marijuana, heroin, not prescribed opiates, etc.) that they are misusing tax dollars and hence forth do not need the assistance they are receiving.

I have seen many patients who use their government provided healthcare to sell what prescriptions they are given to others. This doesn't only include drugs of abuse such as opiates and benzos, but also chronic disease medications (hypertension & dyslipidemia medications). If someone else can't afford a physician's visit or chooses not to have insurance but can treat their disease by buying medication secondhand from someone who gets them for free why not do that? The goal of this clause it to minimize drug abuse Here are a few decent reads: Abuse, Diversion, Fraud, The Costs of Tobacco.

6. Promote the use of contraception. This includes providing easy access to birth control, condoms, Plan B and any other methods a provider sees fit. This would also include allowing patients on Medicaid to bill condoms, contraceptive foams, etc. to their health care coverage without a prescription. The thought being that the increase in accessibility will help prevent the poor from having unwanted children and helps in aiding to reasoning for my #3 point in this article. Interesting article for those with PubMed. Another read everyone can access.

7. Patients with at least 2 chronic disease states must enroll in medication therapy management (MTM) programs and all patients make >75% of all regularly scheduled medical related visits. This is the MOST vital component in this article! This clause would ensure that patients are in contact with healthcare professionals in a manner that has been proven to decrease overall healthcare expenditures while improving the quality of their healthcare. For those of you who think this is unfair healthcare aimed at benefiting the poor you are right. It also benefits everyone else by spending less money and is thus good for everyone involved. Here are two viewpoints on a version of this: The Hot Spotters by the New Yorker and the actual study.

If you can improve care for those who are poor and those who are unhealthy while reducing costs, why wouldn't you do it? Therefore if a Medicaid patient who qualified did not participate their benefits would be cut. If over the course of 2 years they did not show efforts to help control their disease state while enrolled in this program, they would also be cut. Too cold blooded for you? Well, it's a way to help force patients to use these services with hopes that they will listen and improve their own health while saving money long term for everyone else. If they don't take advantage of what they are given, I, personally, do not feel sorry for them.

This is also a major area where pharmacists can intervene and really help further healthcare in the United States. I feel strongly about this as I see and deal with people on a daily basis and can get a good understanding about them with my own interactions with them. This can vary from MTMs to simple medication reconciliation at hospitals and exit counseling. Here are some examples: NACDS, Cost of medication adherence, A Critical Review of MTMs, Do's and Don't's, Cost Avoidance.

8. Charge copayments for every service. This may spark a little controversy but if you include what their expected copays are in a monthly check it will cover them. Why include it in a check then? Why not just waive the copays? This logic is simple; people only respect what they pay for. If they do not feel an out of pocket burden because something is free they will take it for granted. If they know a prescription costs $15 and an office visit costs $25, they will respect it more and will thus be more apt to listen and adhere to what is prescribed.

One of my pet peeves is when people who are on Medicaid complain that their medication is free. Nothing is free. NOTHING! Someone somewhere is paying for it, hence it should be valued at least partially.


9. A stricter formulary.  Every pharmacist and prescriber hates dealing with prior authorizations of insurance companies.  However, in government run systems, as well as privately, they are a great cost savings measure.  Medicaid does have this in place however, a more stringent guideline system could further cost savings.  For example, if every patient was who needed a statin for dyslipidemia where to first try pravastatin for 6 months over atorvastatin, there could be a great savings.  This savings could be even higher if patients were found to be successful on pravastatin, thus eliminating the need to have ever prescribed atorvastatin.  The same rings true for many drug classes and disease states.  This could also apply to even specific OTC versus prescription products such as fish oil (compared to Lovaza) and niacin (compared to Niaspan) as long as they had proper regulations.  This is relatively in place already but an even further belt tightening could save millions.  Just please make a relevant list available to providers with an easy to use interface.

That's about all I can think to modify most current Medicaid systems. Personally, I think any time government expenditures can be reduced and care can be improved it should be done. Since I have now put my views out there, what do you think? I am sure there is plenty to debate here and I look forward to any and all comments.

-The Pharmer