Thank you for including my commentary on reforming Medicare in the April 3 issue of MODERN HEALTHCARE (p. 74). Although your staff's editing of my submission was generally very well done, there were two deletions that I would like your readers to know about my proposal.
First, "last dollar," or catastrophic coverage, should be defined in terms of some percentage of family income, say 10%, with families whose incomes are below the poverty level having no deductible.
Second, universal coverage would be financed through elimination of the individual's exclusion of employer-
sponsored health insurance benefits from federal income taxes. Individuals would have the option of taking all or part of the employer's premium contribution in the form of increased take-home pay at the time of the tax change.
DAVID F. DRAKE
Beverly Shores, Ind.