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Duel eligibles were automatically placed on Medicare Programs when the system worked so they are actually not the ones with the worst problems.
The main problems for them were that there were glitches in the system so that not all got placed on programs correctly, and some are being placed in programs which might not cover all their current medications. The real concern for the duel eligibles is that their meds were previously covered at discount prices, but now are covered at full price, increaseing health care costs (and pharmaceutical company profits).
The problems with decreased education or mental impairments is a more serious problem for those on the borderline. There are many people who qualify for assistance to get on Medicare programs at reduced or no price, but they are not able to handle signing up and picking a program. It would have been much simpler if it was an addition to the existing Medicare program. It has been so difficult for many to sign up that for many we've wound up sitting them down in front of a computer at the office and doing it for them. I wonder how many are not getting benefits simply because they can't handle the system and they don't have anyone to help them sign up or complete the forms for financial assistance.
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