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Speaker 1: As I've mentioned before on the program, I've lost my

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Speaker 1: dad last year, and in the final months of his

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Speaker 1: care it became very clear to me the shortcomings of

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Speaker 1: our Medicare system and the issues involving seniors when they

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Speaker 1: need it most. And frankly, my mom, his widow, is

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Speaker 1: facing a lot of issues like that right now, and

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Speaker 1: as a caring, loving son, I want to make sure

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Speaker 1: that she's taken care of with the government programs that

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Speaker 1: we have all agreed to fund. I also want to

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Speaker 1: make sure that those programs are there for me when

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Speaker 1: I need them. So that's why these issues are really

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Speaker 1: important to me. And the idea of how we're funding

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Speaker 1: Medicare right now and whether it's being funded properly and

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Speaker 1: the seniors are getting their benefits. It's near and dear

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Speaker 1: to my heart, and I hope it is to yours

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Speaker 1: as well, and to that I don't want to bring

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Speaker 1: in our guest. It's Darren Grubb. Darren is the spokesperson

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Speaker 1: for Medicare Advantage Majority and this is really timely, isn't it.

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Speaker 1: I Mean, I'm telling you my personal story, but everybody

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Speaker 1: needs to focus on this right now because of some

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Speaker 1: decisions that are being made in DC.

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Speaker 2: Yeah, absolute, Larry, thank you for having me on. It's

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Speaker 2: great to see you. And I'll start on a personal

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Speaker 2: loe too. You know this is personal to me because

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Speaker 2: I am, you know, a member. It sounds like you

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Speaker 2: are of the Sandwich generation. So you know, my wife

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Speaker 2: and I have young kids at home, but we also

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Speaker 2: have aging parents and aging family members who need more

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Speaker 2: care than they did even a few years ago, and

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Speaker 2: so you know, they're becoming more reliant on us as caregivers.

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Speaker 2: And so the fact that Medicare advantage provides for us

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Speaker 2: some comfort and some predictability and security and the care

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Speaker 2: that they receive, but also what they can expect to

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Speaker 2: pay every year's super important for us as a family,

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Speaker 2: but also for the more than thirty five million seniors

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Speaker 2: and people with disabilities around the country who choose Medicare advantage.

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Speaker 1: Yeah, it's funny. I didn't I thought that I would

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Speaker 1: care really deeply about these issues right when I was

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Speaker 1: on the verge of retiring and getting these Medicare services.

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Speaker 1: But seeing what my parents are going through and what

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Speaker 1: the challenges are for them, well, I mean, I got

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Speaker 1: to focus on it now. We all should. And so

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Speaker 1: to that end, CMS this is the Centers for Medicare

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Speaker 1: and Medicaid services. They on an annual basis put out

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Speaker 1: what the rates are and what the sort of percentage

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Speaker 1: increases are each year, and they're about to do that

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Speaker 1: for twenty twenty seven. That's sort of the imminent decision,

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Speaker 1: and DC, what's that all about? And why should we

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Speaker 1: care about it?

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Speaker 2: That's right? So every year, you're right, they put out

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Speaker 2: an advanced rate notice of what they propose with the

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Speaker 2: federal government proposes to invest in the Medicare advantage program

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Speaker 2: for the following year. And so for this year they

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Speaker 2: put out an advanced rate notice for twenty twenty seven

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Speaker 2: rates an increase of less than one tenth of one percent,

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Speaker 2: point zero nine percent increase over over last year. But

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Speaker 2: here's the problem. Meanwhile, you know, healthcare costs are continued

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Speaker 2: to rise. The last two years have seen an increase

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Speaker 2: of seven point two percent twenty twenty four, seven point

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Speaker 2: one percent in twenty twenty five projected, And so, uh,

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Speaker 2: there's a big delta there if you've got healthcare costs

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Speaker 2: rising at that rate and they're offering a point zero

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Speaker 2: nine percent increase in Medicare advantage funding rates like that

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Speaker 2: that's a challenge, and what it's going to mean is

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Speaker 2: that the billions of dollars will be passed on to

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Speaker 2: seniors beneficiaries, and that's going to mean less access to

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Speaker 2: doctors and services that they need. It's to be their

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Speaker 2: pay hire deductibles, higher premiums, have higher out of pocket costs,

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Speaker 2: and so our message to CMS, and while we are

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Speaker 2: rallying our coalition of seniors and caregivers around the country,

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Speaker 2: is to make their voices heard with their members of

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Speaker 2: Congress and encourage them to call the administration, to call

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Speaker 2: CMS and say that the proposed rate is not meeting

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Speaker 2: the reality of the moment, which is, you know, we're

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Speaker 2: in a high cost environment right now, and healthcare is

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Speaker 2: a benefit that is not optional for so many seniors

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Speaker 2: out there, and so there needs to be some sitability

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Speaker 2: in the funding of this program.

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Speaker 1: Well, listen, I know there are a lot of groups

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Speaker 1: who look out for the best interests of seniors on

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Speaker 1: issues like this. I've interviewed many of them. They're great groups.

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Speaker 1: Can you explain to me what medicare advantage majority is,

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Speaker 1: How do you your organization fit into this and what

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Speaker 1: do you do for seniors?

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Speaker 2: Yeah, I mean Our coalition is powered and like I said,

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Speaker 2: by hundreds of thousands of local advocates nationwide, including beneficiars,

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Speaker 2: but also caregivers, healthcare providers, community leaders, really the entire

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Speaker 2: care giving ecosystem. You know, we are as focused on

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Speaker 2: the legions of people out there who are caregivers to

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Speaker 2: a parent or to a grandparent. You know, all of

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Speaker 2: these decisions in Washington have a trickle down effect and

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Speaker 2: impact millions of families around the country. And so our

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Speaker 2: goal in part of our REMIT, is to educate and

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Speaker 2: empower seniors to understand that the potential changes to the

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Speaker 2: program you know, me and made in Capital Hill in

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Speaker 2: d C has a real bottom line impact to them,

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Speaker 2: to their families. And so this is an important issue

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Speaker 2: thats really get engaged on a year over year. And

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Speaker 2: you know, in some ways, I think you know, Medicare

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Speaker 2: is the new third rail of American politics. There's so

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Speaker 2: many people who rely on this program day in and

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Speaker 2: day out, and it's something that singer deserve. It's a

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Speaker 2: program that seniors have paid into their entire careers. They

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Speaker 2: expect to have a stable, predictable healthcare funding for their

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Speaker 2: medical needs. And so we want them to seniors to

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Speaker 2: grade to age gracefully, independently and on their own terms.

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Speaker 1: You know, it's pretty remarkable considering we're all going to

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Speaker 1: need Medicare, We're all going to rely on it. It's

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Speaker 1: going to be incredibly important to us. It may already

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Speaker 1: be important to our parents. And then meanwhile, if we

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Speaker 1: don't need it, we're paying for it. It's coming out

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Speaker 1: of our paychecks. So it's remarkable how many of us

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Speaker 1: considering how reliant we are on it and now it

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Speaker 1: impacts us. We don't know how this program works. We

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Speaker 1: don't even know how CMS really most of us fits

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Speaker 1: into all of this. So what are the real world

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Speaker 1: implications of this decision that's being made. Our senior is

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Speaker 1: going to have to go out of pocket? Are they

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Speaker 1: going to lose coverage? I mean, how is it affecting

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Speaker 1: the seniors?

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Speaker 2: Yeah? If funding us cut to this program, billions of

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Speaker 2: dollars will be passed on to seniors, and you know

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Speaker 2: they'll be paying higher deductibles, have higher premiums, higher out

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Speaker 2: of pocket costs, and again have less access to the

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Speaker 2: doctors and services that they need. You know, this is

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Speaker 2: a perilous moment. I would say for Medicare advantage. You know,

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Speaker 2: this is a program that has consistently delivered strong value

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Speaker 2: for both taxpayers and beneficiaries. You know, we keep a

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Speaker 2: close pulse on how seniors feel about this issue. We

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Speaker 2: recently commission a poll of senior likely voters from Republican

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Speaker 2: pollster Kristen Sultis Anderson, and she found that ninety one

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Speaker 2: percent of seniors agree that this is not just a

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Speaker 2: healthcare issue. This is an affordability issue, and so cuts

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Speaker 2: to Medicare advantage hits their pocketbooks as well as their

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Speaker 2: bill of health. And so this is something that we

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Speaker 2: are very focused on because the vast majority of seniors

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Speaker 2: believe this is a critical issue, and going into a

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Speaker 2: midterm election year where affordability is going to be on

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Speaker 2: the ballot whether we want to talk about it or not,

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Speaker 2: this is something seniors are really engaged on and could

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Speaker 2: be one issue voters in many cases around the country.

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Speaker 1: Yeah, you know, I do want to talk about the

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Speaker 1: political implications of this in a minute, but first, it's

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Speaker 1: sort of hard to talk about Medicare and all of

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Speaker 1: the money that goes to that program as it is

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Speaker 1: without talking about the stories that we've been seeing about

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Speaker 1: Medicare fraud. I know, Fox News just had an expose

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Speaker 1: out of southern California, CBS News did Nick Shirley. The

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Speaker 1: independent journalists saw a whole lot of fraudulent behavior in

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Speaker 1: a couple of states here where people are builking the system.

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Speaker 1: I know a lot of voters will look at that

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Speaker 1: and say, hey, how about you clean up the fraud

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Speaker 1: first and and and save us some money there, and

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Speaker 1: maybe that'll help the program even more.

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Speaker 2: Yeah, it's so true. Look, you know, Medicare advantage is

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Speaker 2: a highly regulated program providers that committed to following the law.

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Speaker 2: You know, we certainly support government regulation and oversight that

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Speaker 2: preserves and protects seniors access to comprehensive, high quality, and

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Speaker 2: affordable care. There's not a government program Larrea as you

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Speaker 2: know that that that couldn't couldn't take a sharper eye

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Speaker 2: for for you know, waste, fraud, and abuse. And we

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Speaker 2: certainly understand that, we certainly understand the need to to

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Speaker 2: lower the federal budget deficit. But our position is that

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Speaker 2: you know, any any federal budget goal cannot be done

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Speaker 2: on the backs of seniors at the expense of the

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Speaker 2: health care that they need. Again, this is something that

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Speaker 2: seniors have paid into their entire careers. It's something is

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Speaker 2: a stable benefit that they deserve and need to know

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Speaker 2: that it is well funded and going to be backed

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Speaker 2: by the promise of the federal government.

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Speaker 1: How much of this issue is really related to the

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Speaker 1: overall rising costs of health care in general, whether it's

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Speaker 1: for seniors or for non seniors, all dating back to

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Speaker 1: the Affordable Care Act, which clearly at this point we

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Speaker 1: can all agree was not very affordable in the long run.

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Speaker 1: Is that the root problem here that needs to be solved?

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Speaker 2: You know, I think so. I mean, there are healthcare

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Speaker 2: challenges around the country, and you know, we have a

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Speaker 2: lot of seniors obviously who live in more rural and

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Speaker 2: remote communities where health care has been under invested in

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Speaker 2: for far too long, and they have a particular unique

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Speaker 2: need for Medicare advantage which can help fill some of

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Speaker 2: those gaps. So, you know, bundled within Medicare advantage, most

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Speaker 2: programs includes benefits like telehealth jumping on a zoom call

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Speaker 2: or a phone call with your doctor, prescription drug delivery,

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Speaker 2: wellness programs, preventative care, things that can really be beneficial

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Speaker 2: to our citizens who live in rural areas and are

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Speaker 2: far away from a city center.

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Speaker 1: All right, let's get to the politics of this President Trump.

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Speaker 1: In twenty twenty four, when he was running for re

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Speaker 1: election in a sense, he famously promised that we're not

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Speaker 1: touching Medicare, We're not touching Social Security. We'll figure it

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Speaker 1: out elsewhere. So, given that he understands the political implications here,

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Speaker 1: and of course he wants to maintain that majority in

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Speaker 1: the House and in the Senate this November. So how

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Speaker 1: is this issue going to factor into the way people vote?

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Speaker 2: Yeah, well, you kind of got to it. In twenty

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Speaker 2: twenty four, nearly forty million seniors voted. That was the

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Speaker 2: highest turnout of any age group. They are one of

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Speaker 2: the most reliable in the largest voting blocks in the nation,

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Speaker 2: and we believe that they will be supporting candidates who

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Speaker 2: protect medicare advantage. As you mentioned, the President knows, so

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Speaker 2: does his team. His poster Tony Farbrizio, did a poll

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Speaker 2: for an affiliate organization called Better Medicare Alliance and he

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Speaker 2: found that, you know, supporting funding custom Medicare advantage drives

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Speaker 2: a fourteen point net loss for GOP candidate and that's significant.

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Speaker 2: Our own polland shows that seventy five percent of seniors

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Speaker 2: would be less likely to vote for a member of

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Speaker 2: Congress who opposes strengthening and protecting Medicare advantage. You know,

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Speaker 2: if they support cuts to Medicare advantage, they can see

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Speaker 2: they're going to see their political support drop off. And

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Speaker 2: so again in an election year where affordability is on

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Speaker 2: the ballot. You know, this is more than a healthcare issue.

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Speaker 2: It really is a cost of living issue.

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Speaker 1: So if people are watching this and they're like, I

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Speaker 1: had no idea this was going on, whether they can't

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Speaker 1: do that it's going to affect me, or it's going

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Speaker 1: to affect my mom and my dad, What can they do?

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Speaker 1: What's what's the most effective way for people to sort

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Speaker 1: of get engaged on this and make sure Washington, DC

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Speaker 1: knows that this is something they care deeply about.

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Speaker 2: Well, we are talking I know we're talking to a

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Speaker 2: Beltwegh audience today, but we are talking daily to our

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Speaker 2: or coalition around the country, and we are deploying them

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Speaker 2: and activating them to reach out to their members of Congress,

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Speaker 2: you know, sending text, writing emails, making phone calls, showing

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Speaker 2: up at town halls during recess. They know that their

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Speaker 2: voice matters in this debate. Cemis needs to understand that

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Speaker 2: the proposed advanced rate notice does not match the reality

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Speaker 2: of seniors daily lives. You know, they are facing higher

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Speaker 2: costs in every aspect of their life. Healthcare should be

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Speaker 2: the one thing that they can depend on and rely

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Speaker 2: on in their golden years, and so you know this

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Speaker 2: is an issue that matters. Seniors are the deciders, as

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Speaker 2: Tony Fabrizio called them. They have the ability to move

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Speaker 2: an election on a single issue, and we think that

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Speaker 2: seniors going to show up and support candidates who strengthen

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Speaker 2: and protect medicare advantage.

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Speaker 1: Darren Grubb Medicare Advantage Majority, thank you so much for

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Speaker 1: shining a light on this thing that isn't getting a

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Speaker 1: lot of attention. So we're happy we were able to

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Speaker 1: help put up that light Court as well. Thank you

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Speaker 1: so much.

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Speaker 2: Thanks for having