Why Obamacare Failed Miserably

The problem with healthcare in the U.S. is not being without health insurance – and why Obamacare failed, miserably

In fact, having health insurance, especially in the employer and Government based health plans, is the culprit of our horrible health related outcomes in the most advanced country in civilized history. Over prescribed opiate based pain killers, that are ironically killing people or many living a nightmare existence, repeat diagnostic procedures necessitated for profit and lawsuit protection, and the general malaise of people who are disengaged from their health because they are not involved in the study, selection and acquisition of their OWN health plan is the fault of a misguided attempt to make people healthy and happy by giving them access to unlimited care. What has this wrought? The most expensive and least effective healthcare system in the world. 

With the enforcement of the Affordable Care Act, we have essentially delegated our health to the Federal Government and at a cost that is staggering. The Obama Administration thought that expanding the rolls of insureds with the same, old, worn-out system of healthcare delivery would somehow pay off in better health outcomes relying on the reckless CBO to score this fallacy. Every single design to deliver healthcare to a Free Society will end in absolute failure if we do not address the most important element in our well-being, and that is, personal responsibility. Granted, children are not to blame, but their parents should teach them about personal responsibility and how it applies to the most important matter in their lives, their health. We don’t need to go in detail what responsibility is necessary to produce healthy outcomes, that should be obvious to all Americans, and is essential.

Outside of expanded Medicaid, why didn’t Obamacare work? Starting with the promises leading up to its passage, included these provisions and talking points that convinced most Americans and Insurance Companies to embrace this adjustment to 1/6 of our economy. 1) If Insurance companies incurred losses, they will be compensated 100% of their losses, which motivated insurers to accept the expensive provisions in Obamacare. To date, they have received 12% of the promised 100%! And that is why most insurers and the largest are not in the exchanges and essentially if Obamacare were to continue, there would be NO INSURERS IN 2018! 2) “If you like your Doctor or health plan you can keep it” is the reason why most of us accepted the Affordable Care Act, but we found out later our President fooled us, to put it graciously. 3) “Americans are getting kicked off plans because they get sick.” That is a huge misconception that has never happened in recent history, except those who lie on their applications. 4) “Taxpayer funded Cooperative health insurance companies will increase competition in the marketplace.” Only six out of twenty-three have survived and barely. Our Nevada Co-op, besides losing 70 Million in startup costs in two years, squandered money with unbridled compensation to executives and corrupted payments to Unions. And still has not paid its obligations to providers and brokers. 5) Let’s not forget the failed start up and financial disaster perpetrated by our State in regards to the Silver State Exchange on-line enrollment platform that had three years to prepare and bungled it entirely for a mere 12 million in taxpayer money.

Can anyone with a straight face declare Obamacare a success? With the wasted money we could have gone a long way into helping those who are truly in need.

What to do with your Healthcare in 2017?

What to do with your Healthcare in 2017?

Pretty simple answer: Get off the ACA plans (Obamacare) now if you are in fair to good health with no serious pre-existing conditions. We have been promised by the Republican held Congress, the President elect, his Cabinet, and the RNC, that they will repeal, in its entirety, the Affordable Care Act on day ONE. And that would include the most unpopular provisions, namely the individual shared responsibility tax (fine) and the employer mandates. If this does not happen, the Republican party will implode, and no sane, conservative US citizen will ever vote again. There are approved plans in Nevada, and all other States, that can give you great coverage for 2017 and you won’t need to participate with expensive, Obamacare plans, that have narrow, defective networks. Does anyone wonder why ALL of the major carriers have bailed Obamacare, their obvious losses are staggering.

The only reason for support of the ACA, is a veiled LIE! “20 million people have signed up that didn’t have health insurance!” Incorrect! 10 to 12 million people ALREADY had a plan and were happily paying for it that were forced to dis-enroll and then pay 2 to 4 times what they were paying previously! That is the other big lie ”that we could keep our plan, doctor, etc”.

No one should be paying the shared responsibility tax

No one should be paying the shared responsibility tax, or better known as the Obamacare fine for not having an Obamacare plan…. Everyone can be EXEMPT!

And if you or your family members are in fair to good health you can actually purchase better, more sensible health coverage for less than HALF the price of an Obamacare plan. Obamacare is imploding and failing our most responsible citizens, and will probably not last through 2017. Most major health insurance companies, including those in Nevada, have exited the Obamacare Marketplace and will not return, leaving few or no choices, with limited networks and questionable plan servicing. They have collectively lost tens of Billions of dollars! Do you want to be insured by a bleeding company? There are options to escape the Obamacare Nightmare!

How to Be Smart About Individual Health Insurance

How to Be Smart About Individual Health Insurance

It is common for the average person to be confused by their individual healthinsurance coverage. They receive bills for treatments they thought were covered, the codes don’t make any sense, and calling for help can be an exercise in extreme patience. While this feeling is perfectly understandable, it is important to be educated about your health coverage. Here are some simple ways to get on track with your individual health insurance policy — and save yourself some cash.

What is Covered Under My Individual Health Insurance Plan?

As of September 23, 2010, all new individual health insurance policies must covermultiple preventative care services without a copayment or coinsurance (with an in-network provider). This includes Type 2 Diabetes screenings, immunizations, contraception, and well-visits. Doctors offices know this and should not ask you for payment, but if money is requested for a copayment, be sure to ask for the reasoning.

Individual health insurance policies purchased on the Exchanges are required by law to include coverage for preventative and emergent care, pregnancy, maternity, and newborn care (including breastfeeding assistance), prescription drugs, as well as hospital stays. If a doctor or pharmacy give you any trouble with any of the items on the list, call your broker or healthcare.gov immediately.

Knowledge is Power: Your Individual Health Insurance Policy

In addition to comparing individual health insurance policy prices, knowing what is covered by your policy is half the battle in keeping your costs to a minimum. Understanding what treatments and perks you are entitled to can empower you to make more informed financial decisions.

For example, most dental policies cover annual x-rays. As a patient, you can keep track of this to make sure that your dentist does not order more than one per year (misreading your chart might make them believe you are due). In addition, some plans offered on the Exchanges include free ‘tele-doc’ services, which allows you to call a hotline to ask medical questions prior to visiting an urgent care or ER and paying a hefty copay.

Keep an Eye on Your Bill

Billing errors are more common than people like to believe. Insurance companies pay doctors based on current procedural terminology codes (CPT) and because humans input each CPT code, there is plenty of room for error. This could result in the doctor’s office overcharging the insurance company — and the insurance company overcharging you.

One way for you to combat this problem is to thoroughly review each bill that you receive. If you are unsure of a charge or you feel an error has been made, call the number of the provider listed on the bill and ask for assistance. It also never hurts to double check with your doctor’s office to make sure it was billed correctly to begin with. You don’t need to know any CPT codes to double-check your medical bill before paying!

Conclusion

No matter where or how your individual health insurance plan was purchased, it is important to understand what is covered by your policy. Not knowing the parameters of your coverage could result in you spending more money than necessary. For a full description of your coverage, contact your insurance provider. They will be able to supply you with the information you need.

Source: Lindsay Wissman, Zane Benefits

Changes That Will Affect Your Small Business Health Insurance Plan in 2017

Changes That Will Affect Your Small Business Health Insurance Plan in 2017

Health insurance is a complicated topic for everyone, but when it comes to small business health insurance, understanding the regulations can seem insurmountable. The documents are long and complicated, leaving small business owners wondering how they will ever sort through them all. We can help make sure that your small business remains in compliance with any new health insurance laws. Here are some things to keep in mind as you prepare for the upcoming year.

Small Businesses Rank Health Insurance Compliance as Top Concern

According to a new study by HUB International, 69 percent of business owners employing between 50 and 99 people had concerns about remaining in compliance with Affordable Care Act (ACA) regulations. Specifically, 45 percent of the study’s participants expressed concern that their full-time equivalent (FTE) calculations could raise red flags with the government. Inconsistencies in these numbers can lead to audits by the Internal Revenue Service (IRS), so be sure to follow these guidelines.

Tighter Filing Deadlines Coming in 2017

In previous years, the ACA regulations regarding form 1095 (proof of insurance) have been a bit lax. In 2016, all employers (including small businesses) offering health insurance had until March 31 to mail out form 1095-C to employees, but the 2017 deadline is the same as the W2 mailing deadline: January 31.

Deadlines regarding filings with the IRS will also move up in the calendar year. Forms 1094B and 1095A, B and C will be due by February 28 (rather than May 31 last year) if filing by mail. If filing electronically, the due date is March 31 (rather than June 30 last year).

Alternative Options for Small Business Health Insurance

If you are debating over whether or not you should renew your group health coverage in the coming year, be sure to research all of your health insurance options before making a decision. Many small business owners do not realize that group health plans are not the only choice available. Remember that health insurance is not “one size fits all,” so it is important to listen to your employees’ needs when debating your course of action.

If you have less than 50 FTE workers, you are not required by law to offer health insurance. In fact, that small number might mean you are likely to pay more than larger companies. One way to control your overhead, but still provide a meaningful benefit to your employees is to offer a Healthcare Reimbursement Plan (HRP). HRPs allow you to set a defined amount per month that employees can use to cover the costs of their insurance premiums, which means that your budget will never increase unless you want it to.

Conclusion

As the fourth quarter approaches quickly, now is a good time to re-evaluate your small business health insurance needs, as well as the requirements set forth by the ACA. The regulations can seem tedious and complicated, but there are plenty of resources available to help you sort them out. Remember to keep in mind alternative options for small business health insurance, as they may save you time and money.

Source: Lindy Wissman, Zane Benefits

Our Healthcare system is totally Un-American

Our Healthcare system is totally Un-American

And failing miserably its citizens. The culprit is burgeoning centralized bureaucratic entities that threaten our Nation by delegating what kind of health plans we must purchase, the continuation of employer sponsored tax favored commercial health plans that exclude employees from engaging in purchasing plans that addresses their particular needs, and among other reasons, Medicare and other Government controlled health plans that force Americans into one system with no other choices except managed care. This is not the America envisioned by our Founders, where healthcare and health in general, is controlled and by a single, centralized authority. This is not freedom.

What is most profound, is that the last attempt to control our healthcare, the Affordable Care Act, is an abject failure on most accounts. Every time a government entity tries to regulate an industry, it almost universally makes things worse and we lose another notch of freedom. Free markets are the backbone and symbol of our society and tend to serve the public more effectively than government.

Let healthcare be a personal endeavor, not a provision, and let every American choose what is right for themselves. We need to get our Federal and State governments, and additionally employers out of the healthcare business and let the markets compete for every individual and family in the U.S.A.

When individuals are occupied in determining what’s best for themselves, we tend to own the decision and are well acquainted with the factors and operation of a commodity, and is absolutely necessary when utilizing an intangible such as an insurance policy. Our health and healthcare is our personal responsibility. We need to devise a strategy to promote this fundamental American value.

~ Frank Welsh

Skyrocketing Drug Prices a Persistent Problem in Traditional Health Care

 

Skyrocketing Drug Prices a Persistent Problem in Traditional Health Care

Citizens’ Council for Health Freedom: Who’s to Blame? But There Is
 a Light at the End of the Tunnel and a Way to Health Freedom

ST. PAUL, Minn.—The far-reaching and heated debate over the $600 EpiPen has created a national conversation about ridiculously high—and skyrocketing even higher—drug prices. And now two lawsuits have been filed.

Who’s to blame? Drug companies? Big Insurance? Big Government? Even the patients themselves?

Citizens’ Council for Health Freedom (CCHF, www.cchfreedom.org) is working to secure health freedom for all—from understanding the threat of Obamacare and compromised patient privacy to out-of-control insurance premiums and drug prices that keep climbing higher and higher.

CCHF president and co-founder Twila Brase recently penned an oped for The Hill on the EpiPen controversy and how the story also translates to other matters within a broken health care system.

“Many drugs are becoming so astronomically expensive that it raises moral implications, and now the public and some doctors are successfully revolting,” Brase wrote. “The real lesson here is that third-party payment allows prices to go higher than the public would willingly pay. To keep health care prices at the pocketbook level, third-party payment must be limited to catastrophic coverage aimed solely at protecting against major financial losses. That’s how every other insurance policy works, and that’s what keeps services and insurance much more affordable.”

Some doctors have had enough and are escaping this extremely flawed system of high prices and out-of-control payments to and from third-party payers, Brase says.

CCHF’s The Wedge of Health Freedom (www.JointheWedge.com), includes a map of doctors and other medical professionals that patients around the country can use to find practices where physicians have said ‘no’ to costly and restrictive insurance contracts and government regulations.

Around the nation, tucked in small towns and across big cities, doctor’s offices and medical clinics are already operating by these health freedom-embracing principles, but are largely invisible to the public. Patients either don’t know they exist or don’t know how to find them.

CCHF, however, recently unveiled the first wave of practices that have joined The Wedge of Health Freedom, a free-trade zone for health care where doctors are not bound by the shackles of government health care nor restrictive contracts with managed care corporations.

There are now about 140 Wedge practices in nearly 40 states, with more joining all the time. An online interactive map at JointheWedge.com allows patients to search by city, state and zip code for practices in their area. Pinpoints on the map list the practice name, address, phone number and web site so patients can more easily find these practices—and doctors can better reach new patients.

Inside The Wedge, for example, a doctor who truly knows his or her patients—including their capabilities and what they can afford—might prescribe the very affordable epinephrine drug and two syringes that cost just pennies on the dollar, rather than the $600 EpiPen.

“Doctors inside The Wedge figure out how to make things happen for their patients, because a real patient-doctor relationship exists, and the best interests of the patient are at the core—not the best interests of insurance plans, pharmaceutical companies or the government,” Brase said. “And these benefits go far beyond a problem like the EpiPen. Doctors running ‘Wedge practices’ have many ways to truly help their patients with costs and choices, because they are working for them—and no one else.”

CCHF is a national patient-centered health freedom organization existing to protect health care choices, individualized patient care, and medical and genetic privacy rights. For more information about CCHF, visit its web site at www.cchfreedom.org.

Source: Citizens Council for Health Freedom