Medicare Enrollees Don't Need A Fleecing

Regarding your article "How to heal Medicare" (Social Issues, Oct. 2): Insurance companies and their agents are salivating over the prospect of placing vouchers in the hands of the elderly for the purpose of buying insurance.

Your author's fantasy that "the elderly would shop among dozens of new forms of insurance companies, alliances of doctors, HMOs, and other managed- care providers" is just that. I suggest that before your reporter writes further on the subject, he interview state insurance department examiners to find out how insurance sales to the elderly works in the real world.

Roger P. Essman

Estes Park, Colo.

One of your suggestions is the use of vouchers by seniors to buy basic insurance or to turn into cash and deposit in tax-free Medical Savings Accounts.

I am a volunteer who has been counseling other seniors on Medicare and related matters, and based on my experience, I can tell you that the 70-, 80-, or 90-year-old, for the most part, will not be able to cope with the marketplace to carry out the above recommendations--nor should they.

Morris Levine

New York