The program definitely needs some tweaking. I'm not so sure, but it seems logical to say..."Hey, you get sick, go to the doctor. We'll send the bill to Medi-care" We are already taxed for that and SSI, so just open the program and divide it into departments; Retiree's, Disability, and Health Care. Pool all the resources.
On a different note Longball...when you want to reply to an individual poster, click on the "quote" box in the lower right corner and then we know where your comment is directed. =)