Posts tagged insurance
Posted by Judy Morris
Doctors Dump Health Insurance Plans, Charge Patients Less
Thirty-two-year old family physician Doug Nunamaker of Wichita, Kan., said after five years of dealing with the red tape of health insurance companies and the high overhead for the staff he hired just to deal with paperwork, he switched to a system of charging his patients a monthly fee plus the price of an office visit or test, CNN/Money reported….
For adults up to age 44, Nunamaker charges $50 a month, pediatric services are $10 a month, and for adults age 44 and older it costs $100 a month. Although Nunamaker calls the practice “cash-only,” he accepts credit and debit cards for the fees and services.
Nunamaker and his partner negotiated deals for services outside the office. A cholesterol test costs the patient for $3, versus the $90 or more billed to insurance companies; an MRI can cost $400, compared with $2,000 or more billed to insurance companies.
An unnamed California healthcare provider is suing the embattled Internal Revenue Service (IRS) and 15 agents for allegedly seizing 60,000,000 medical records belonging to “more than 10,000,000 Americans, including at least 1,000,000 Californians.”
The complaint, posted by National Review, states that IRS agents’ search warrant for financial information did “not authorize any seizure of any healthcare or medical record of any persons, least of all third parties completely unrelated to the matter.”
The medical records reportedly included sensitive private information about individuals’ gynecological counseling, sexual and drug treatment, and psychological services received.
Read the rest at Breitbart: http://www.breitbart.com/Big-Government/2013/05/17/Claim-IRS-Illegally-Seized-60-Million-Private-Medical-Records
Here is a great talk given at The 21 Convention in 2012, by Doug McGuff, MD, a prominent member of the ancestral health (paleo-primal) community: “Fitness, Health, and Liberty.” Doug, an emergency room physician, is well known for his ‘Body By Science‘ program, a high-intensity interval training program.
This is an important presentation because Doug presents the historical picture on how the physician-patient relationship went from a fiduciary relationship between provider and consumer to a 3rd party morass of collectivized medicine that sacrificed individual services to the needs of the masses in general in order to conform to the rules outlined by the medical establishment-insurance industry alliance.
While it is easy to blame the Democrats or blame Obama for the nationalization of medical care, this system began to form many years ago under the auspices of self-serving medical practitioners who built alliances with the government-medical establishment in the pursuit of rent-seeking arrangements. Dr. McGuff notes that doctors, who had short-term gains in mind, ultimately sacrificed their profession to these pursuits and thus “set into motion the long-term unintended consequences that resulted in their ultimate enslavement.”
His discussion of the formation of the “Blues” plans to guarantee payment for services while receiving tax-exempt status in exchange for community ratings is spot on. Community ratings, that did not allow for discrimination based on individual health status, were the beginnings of socialized medicine and thus opened the door to moral hazard and the current system of pre-paid medical care that defies all the principles of personal accountability and the free market.
This presentation is 72 minutes, but it is worth every minute of your time. I work in this industry and can tell you that Dr. McGuff has presented the best short timeline I have seen on the topic of how 3rd-party insurance and government-business alliances came to destroy the U.S. health care system. Dr. McGuff is also a libertarian, as if you can’t tell by the presentation.
(NaturalNews) Do you remember, at the height of the debate over the Affordable Care Act – the monstrosity that became known not so affectionately as “Obamacare” – when then-House Speaker Pelosi, D-Calif., took to the dais at the 2010 Legislative Conference for the National Association of Counties with this outrageous statement: “…[W]e have to pass the bill so that you can find out what is in it, away from the fog of controversy.”
She was talking about a piece of legislation that numbered some 2,700 pages – a massive bill that most members of Congress admitted they had not read and would never read (though trust us when we tell you these same lawmakers already knew exactly what was in it).
Well, Pelosi must be feeling very relieved these days because now, at long last, Americans are finally getting to find out exactly what’s in the bill that she and others refused to discuss in detail prior to its passage.
‘So many new taxes and fees during a time of economic uncertainty’
What Americans will learn first and foremost is that Obamacare will be infinitely more expensive than they were told – costs all of us will be forced to bear, even if we vehemently opposed this blatant expansion of government power over an industry that amounts to about one-seventh of the U.S. economy.
Whether they are called “taxes” or “fees” or “regulatory costs,” Americans will be hit up six ways from Sunday for costs related to the law that President Obama, Pelosi, Senate Majority Leader Harry Reid, D-Nev., and everyone else who voted for it said would never pass to us.
One such fee-tax-regulatory cost is a $63-per-person stipend almost no one knew about that will help cover people who have preexisting conditions – a cost that, most likely, will be passed onto each insured person.
Again, you can thank President Obama’s healthcare “overhaul.”
The charge was, of course, buried in the recent regulation. It will work out to tens of millions of dollars for the largest companies, employers say.
In an interview with the Washington Times, employee benefits attorney Chantel Sheaks called it a “sleeper issue” that will have significant consequences, especially for the nation’s largest employers – all at a time when unemployment remains at historic highs.
“Especially at a time when we are facing economic uncertainty, [companies will] be hit with a multimillion-dollar assessment without getting anything back for it,” Sheaks, a principal at Buck Consultants, a Xerox subsidiary, told the paper.
Based on figures contained within the regulation, some 190 million Americans on health plans for employers and individuals could wind up owing the per-person fee.
Obama administration officials say the previously undisclosed fee is only temporary, levied for three years beginning in 2014 and designed to raise $25 billion. The fee begins at $63 then falls.
Most of that money is expected to go into a fund that will be administered by the Department of Health and Human Services. Officials say it will be used to cushion health insurance companies from the initial hard-to-predict costs of covering previously uninsured people who have preexisting medical problems. Beginning Jan. 1, 2014, insurers will be forbidden from turning away already-sick patients under Obamacare statutes.
Just the beginning
The initiative “is intended to help millions of Americans purchase affordable health insurance, reduce reimbursed usage of hospital and other medical facilities by the uninsured and thereby lower medical expenses and premiums for all,” the administration says in the regulation (Note: Insurance companies that are actually in the business of insuring people say rates are going to go up, not down – and could, in fact, double in the short term).
But here’s the kicker. The initial $25 billion hike is just the beginning, “part of a bigger package of taxes and fees to finance Mr. Obama’s expansion of coverage to the uninsured,” the Times said. Over the course of the next decade, the total tab is closer to $700 billion, though no one in the administration is talking about what this additional burden will do to a still-struggling economy.
What else is included? Higher Medicare taxes, beginning Jan. 1, on people who make more than $200,000 a year or couples making less than $250,000 (Obama, always the class warrior, once pledged not to raise any taxes on folks earning less than $250,000).
The thing that Americans need to know is that these initial Obamacare taxes and “fees” are just the beginning. Needless to say, we’ll be covering this issue closely.
By Lesley Swann
Governor Bill Haslam recently announced he plans to put off the decision on whether to form the health care exchanges outlined in the Patient Protection and Affordable Care Act, also known as Obamacare, after HHS Secretary Kathleen Sibelius extended the deadlinefor states to notify the federal government until Dec. 14.
No doubt, the governor is getting significant pressure from both sides of the exchange fight, with insurance company lobbyists emphasizing that they’d prefer to work with the state government instead of the federal government, while individual citizens and employers are mounting a lobbying effort of their own against the exchanges.
One has to wonder if perhaps Haslam isn’t waiting in the hope that Tennesseans will be too occupied with candy canes, turkey, and holiday festivities to notice what their state government is doing.
The United State Department of Agriculture has finalized a report to address concerns from farmers who fear they’ll be next on an ever-expanding list of defendants sued by biotech giants Monsanto, but those worries aren’t about to end.
The Monsanto Company dominates more than just grow fields across the US, as evident in their stellar track record of taking small-time farmers to court and winning cases, an occurrence that Think Progress acknowledges happens roughly a dozen times a year. Time and time again, Monsanto’s patented, lab-made genetically engineered seeds are sold to one farmer, only for Mother Nature to move the crop onto neighboring fields with the help of a bit of wind. Just as often, of course, Monsanto’s team of high-paid litigators take the little guys to court, only to triumph thanks to a legal counsel that collects around $10 million a year just to take other farmers to court.
With Monsanto-led lawsuits all too common, the USDA was tasked with putting together a panel — the Advisory Committee on Biotechnology and 21st Century Agriculture, or AC21 — to analyze, among other items, “What types of compensation mechanisms, if any, would be appropriate to address economic losses1 by farmers in which the value of their crops is reduced by unintended presence of genetically engineered(GE) material(s)?”
The AC21 panel released their findings in a report [PDF] entitled ‘Enhancing Coexistence’ that was sent to the secretary of agriculture this week. In it, however, they have little to say to the farmers who are likely to be brought before a judge while Monsanto and other biotech kings come out on top.
G Edward Griffin, author of “The Creature From Jekyll Island,” is our guest this week on http://www.FinancialSurvivalRadio.com to talk about the corrupt origins of the Federal Reserve, why the US Dollar is just “one big scam,” and the 3 things you can do right now to prepare for the coming hyperinflation and US Dollar collapse.
To hear the entire show, go to http://www.FinancialSurvivalRadio.com and listen to episode number 12.
Pharmaceutical, medical device, biotechnology industries spend $700 million ahead of crucial legislation
According to the Union of Concerned Scientists (UCS), the pharmaceutical, medical device, and biotechnology industries spent over $700 million in lobbying between 2009 and 2011, surpassing other special interest spending such as big oil and insurance industries.
The extreme spending comes as this year’s ‘industry-friendly proposals’ face the House and Senate, such as legislation limiting the FDA’s drug and medical device scrutiny.
“Congress is also considering legislation that would relax conflict-of-interest standards for federal advisory members at the FDA, allowing scientists with a financial stake in the outcome to vote on panels that approve or reject drugs and medical devices,” states UCS.
By Jonathan Benson
More than quadrupling an estimate it put forth last year for new agents (http://dailycaller.com), the Internal Revenue Service (IRS) now says that it will need more than 4,000 new agents to enforce the provisions of the Affordable Care Act (ACA), also known as Obamacare. And in addition to these new agents, the IRS is also asking for more than $300 million in new funding to help fortify the infrastructure it will supposedly need to unconstitutionally force Americans to purchase government healthcare.
The constitutionality of Obamacare is currently being reviewed by the U.S. Supreme Court, and yet the IRS is already acting as though the overhaul is definitive law. According to IRS budget requests, the agency says it needs a massive cash infusion to “continue the development of new systems and modifications of existing systems required to support new tax credits.” But in reality, this money will more than likely be used to spy on Americans and fine them for failing to purchase adequate health coverage.
“Health reform’s insurance mandate says if you do not have ‘adequate’ insurance, you’ll have to pay a fine as part of your tax return,” writes Elizabeth MacDonald for FOX Business (http://www.foxbusiness.com). “If your business doesn’t provide ‘affordable’ coverage, you’ll have to pay a fine to the IRS, too, as part of your tax return filing.”
Another stated reason for the increase in agents and budget funds is to enforce the new tanning excise tax. Tanning salons, health clubs, beauty parlors and other businesses that offer tanning services will be required to pay a tax similar to the kind levied on alcohol and tobacco (http://blog.heritage.org). According to The Daily Caller, the IRS is planning to devote 81 of its agents just to collecting this ten-percent tax (http://dailycaller.com).
“Obamacare bashes into the Constitution at every turn because it is fundamentally in conflict to the essential founding principles of this country — freedom and the sovereignty of states and citizens,” writes Grace-Marie Turner for Canada Free Press (http://www.canadafreepress.com/index.php/article/45534). “It turns control over one-sixth of our economy to the federal government, ceding life and death decisions to the state.”
Sources for this article include:
Ron Paul on CNN’s State of the Union on American Fascism – Feb 19 2012
Thanks to YouTube user http://www.youtube.com/user/VoteRonPaul12 for this fantastic video!!! It doesn’t get any better than this! Thanks to all of those who ardently support Ron Paul and his quest to restore the Constitution and our Republic! Please donate anything you can to the Paul campaign so we can awaken as many people as we can.