Most experts identify the problem as Medicare's “pay-for-service” model, which is clearly summarized as “more services, more charges.” Under that basic approach, doctors and centers have an incentive to do anything that can be justified as beneficial to each patient: send a bill to the U.S. UU. Chronic health problems increase the unaffordability of Medicare. The findings showed that older people with four to 10 chronic conditions were more than twice as likely to have problems paying medical bills than people with a condition or no condition.
The most commonly reported financial problem by seriously ill Medicare beneficiaries was the payment of prescription drugs. According to the authors, this could be due to the number of prescriptions taken, the cost of individual drugs, or aspects of the design of Medicare benefits, such as its cost-sharing requirements or forms. They also point out that, while patients with high need and high cost are often associated with acute or end-of-life care, this study largely described people who live at home, although they often depend on the help of friends or family. Examining the use of ambulatory care services by income statement and insurance status shows that Medicare coverage has helped to reduce differences in access to care based on income, but the differences still persist if variations in insurance are taken into account.