1Explainer:MedicareJuly29,20242CEDExplainer:MedicareConferenceBoard.orgExplainer:MedicareTrustedInsightsforWhat’sAhead™MedicareisavitalFederalhealthinsuranceprogramfortheelderlyandindividualswithdisabilities,providingcoverageforhospitalcare,outpatientcare,healthcareproviderservices,andprescriptiondrugsforalmost67millionAmericans.In2023,theMedicareprogramhadover$1trillionintotalexpenditures,makingitthelargesthealthinsuranceprogramintheUnitedStates.Nevertheless,Medicarefaceschallengingheadwindsasanagingpopulationandrisinghealthcarecostsperbeneficiarythreatenitsfinancialsustainability.ThesestructuralissuesimpacttheFederalbudget,thenationaldebt,costsforbeneficiaries,andreimbursementtoprovidersastheFederalgovernment,beneficiaries,andprovidersallstruggletoadjusttoimbalancesinthecurrentMedicarefinancingstructure.CongressshouldactwithurgencytoensurethatscheduledbenefitscanbepaidfullyandthatMedicareisavailabletomeettheneedsofitsbeneficiariesforgenerationstocome.ThisExplainerprovidesadescriptionofthetwoMedicareTrustFundsandtheircurrentstate;anoverviewofMedicareeligibility,benefits,supplementalcoverageoptions,programrevenues,andimpact;abriefhistoryofMedicare;andrecentchallengesandsomerecommendationsforreform.•CongressestablishedtheMedicareprogramin1965toprovidehealthinsurancetoAmericans65andolder.Intheensuingdecades,...
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