Senator Ted Cruz Introduced the Retirement Freedom Act

From his press release of 10-9-18:

U.S. Sen. Ted Cruz (R-Texas) today introduced the Retirement Freedom Act, which would empower senior citizens and create more healthcare options by allowing them to utilize private health insurance without losing their Social Security benefits. Rep. Gary Palmer (R-Ala.) introduced companion legislation in the House of Representatives, H.R. 6703.

“For too long, Social Security has been wrongly tied to Medicare Part A enrollment,” Sen. Cruz said. “Seniors all across the country should be empowered with the freedom to choose a health insurance plan that fits their needs, without the fear of losing their Social Security benefits. I am hopeful my colleagues in both the House and the Senate will act swiftly to empower America’s seniors with healthcare freedom, as Congress continues to deliver on our promises.”

“The Retirement Freedom Act gives seniors the opportunity to obtain the health insurance arrangement that best fits their individual needs while helping Medicare’s troubled finances,” Rep. Palmer said. “Our nation’s seniors should not have their Social Security benefits held hostage by the federal government in order to force enrollment in Medicare.”

“Every senior should have the freedom to make their own healthcare choices without the threat of losing their Security benefits,” said Association of Mature American Citizens (AMAC) President Dan Weber. “The Retirement Freedom Act corrects this problem, and gives seniors more options as they plan for and enjoy their retirement.”

“Unfortunately, under current law, if a senior opts out of Medicare Part A, he or she will lose Social Security benefits. This wastes taxpayer dollars by trapping people in a poorly-run government program that they may not want or need,” said FreedomWorks President Adam Brandon. “This is a basic issue of individual liberty. People should not be coerced into sacrificing healthcare freedom. We fully support the Retirement Freedom Act and applaud Senator Cruz for introducing it.”

Read the full text of the bill here.


Unless I’m missing something, this sounds like a win for everyone who draws their pittance from Social Security, a win for the insurance providers, and even a win for Medicare’s pocketbook.

With this in place, people who presently can’t get the specialized help and medical equipment they need because it isn’t covered, would have an opportunity to find a better source. The insurance companies could rework the packages they offer in order to cover older folks’ needs. Instead of the deduction that comes out of the SS payments and the cost of a monthly supplement, seniors could combine both costs into a more effective plan. 

The government would save a boatload of money and could eventually cut back on the personnel that taxpayers pay to process insurance transactions. (like that would ever happen, right?)

There’s another upside to this and it’s for the doctors and their staff. One local doctor’s PA said that sometimes they have to process claims over and over because Medicare rejects them for minute technicalities. Sometimes their staff even resubmits the claim without making any changes at all and it gets approved. There’s no rhyme or reason to it, so some doctors have concluded that’s it’s a stall tactic. Either way you look at it, eliminating government red tape and paperwork is a good thing.

This sounds like a good solution, but it’s got a long way to go before it can make it through Congress.


Categories: Political

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7 replies

  1. Kathy, thanks for this post! This sounds amazing. But I really need to take some time to read the bill.

    I’ve often said Medicare is just socialized medicine but in our old age, we really can’t afford any other insurance; They’re just too expensive. We’re really trapped in Medicare and government insurance enslaves us more than most people realize. Not only will they not pay for some treatments but if not covered under Medicare you can’t even go to a doctor and obtain treatment you want if it’s not covered under you Medicare insurance! You are not free!

    Additionally, Medicare touts denials of claims as not just errors if there is an error but crime! It’s actually a crime to make a mistake in billing Medicare or Medicaid. I was in charge of those hospital claims years ago and we were always very worrried about errors for that reason.

    I will read that bill. I’m really interested in this and I know Cruz will have a first class FREEDOM type bill!


  2. I had no idea Medicare had any effect on Social Security. This seems like a no-brainer to me. I’m always for anything that reduces peoples’ dependence on government.


    • Yes’m, if you’re drawing SS, it’s an automatic deduction that starts when you turn 65 – at least it was in my case and that of some of our friends. Surprisingly enough, it’s really good insurance coverage-wise with no deductible (again, in our case), but not so much for a lot of people.Still, it belongs back in the hands of the free market and out of government’s hands.

      It will be interesting to see what the Dems’ objections will be to this, since they’re all for keeping everyone dependent on the government. Hopefully, Cruz will keep us posted on the bill’s progress.

      Liked by 2 people

  3. Kathy, this sounds good to me, too. I tweeted a link to this.


    • Thanks, foguth. So far, the only complaint I’ve seen about it is about the insurers’ profits. My response to that is, they can’t do you much good if they go broke, now can they? Only the government could continue to operate in the red, but that’s not how it works in the real world.

      Liked by 2 people

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