Real Stories of the ACA Obamacare nightmare #1

Quoted with permission from anonymous source. This is a real physician, a single mom, in private practice who cannot afford ACA. She gave up her foreign citizenship to become an American citizen and vote against Obamacare. And on a personal level, she ROCKS and I wish her the best:

“It’s embarrassing to explain to the people at Pfizer how a physician doesn’t have insurance and cannot afford their medications…. yet I write medications for my Medicaid kids that will get covered no questions asked. I hate having arthritis. I also hate that because of the goddamn ACA I’m still uninsured. And I’m paying down on a several thousand dollar tab at the rheumatologist… while criminals in jail are getting better health care than our veterans!! And many illegal aliens are getting very expensive medical care at our expense!”

 

Valueless layers of bureaucrats crushing patients and doctors: it’s time to just bust out

Friend of IP4PI, Jack Iannantuono, writes in:

By taking over medicine in 1965 with Medicare the government had sown the seeds for the blood sucking, valueless layers of bureaucrats and regulations and Wall Street greedy hand and malpractice windfall in highway lining billboards with pictures of Physicians you will never see in person that now accounts for nearly 20 % of GDP about $3.3 trillion and I tell you truly health care can be delivered for less than a third of that…yes less than 1 trillion and be less than 5% of GDP and our physicians and communities would do it if we can just bust out of Washington trying to fix, reform or replace.

There is no need whatsoever for government to have a say or a place in medicine.

Obamacare turned from a nightmare into a weapon. Dang it …can we learn from this?

Jack Iannantuono, CFP®, ChFC®, MSFS, AIF® | Indicon, Inc.
Chief Executive Officer

True Patient Centered Reform: Revisiting Dr. Paul Broun’s Patient OPTION Act

According to our friends at Freedom Works:

“Section 1 of his bold, principled plan repeals ObamaCare in its entirety. That alone would make it worth supporting, but he goes much farther. Inspired by the vision of a truly patient-centered system, his bill addresses the spiraling cost of health care and lack of consumer control in a number of commonsense ways.”

The OPTION Act eliminates the requirement that HSAs be attached to high-deductible health plans, allowing all Americans to save money for a rainy day tax-free. Continue reading

Eliminating The 6 Degrees of Patient-Physician Separation

Our Eliminating The 6 Degrees of Patient-Physician Separation article, penned by IP4PI founder Craig M. Wax, DO has been published at KevinMD.com!  Please check it out and leave your comments:

http://www.kevinmd.com/blog/2016/08/6-degrees-patient-physician-separation.html

Eliminating the six degrees of patient-physician separation

By Craig M. Wax, DO

Parties and special interests within the US federal government have been trying to passively and actively control the health and welfare of its citizens for a century. With the War Labor Board’s wage and price controls instituted in 1943 during WWII, the US federal government first warped both the employer/employee workplace and healthcare by firmly establishing health insurance as a employee “benefit” in lieu of salary. The premiums were paid with pretax dollars by a combination of the employer and employee.

This gave the employer the power to choose the coverage based on the employer’s needs and wants, not the end user employees needs and wants. This was the first degree of separation.

The insurance premium was used as a bet against the employee getting sick. Today, the insurance companies and other third parties make money by denying the healthcare payment for services, studies, tests and medications. After the insurance company processes healthcare provider claims, they make restrictive and sometimes arbitrary decisions about whether to fund the care, tests and medications. This leaves the patient on the hook for associated costs, despite the insurance premium already paid. This is the second degree of separation. Continue reading

Is Government Practicing Medicine Without License?

[Reply from Dr. Michael Strickland to a question posed, and a noted attorney’s citation of a Supreme Court decision (NYLCARE) indicating otherwise]

The government (and swarms of others, health insurers first and foremost) ARE practicing medicine without license.  If the Supreme Court says otherwise, then they are either wrong, or the legislature is wrong in the law it is writing.  Highly trained and experienced medical professionals are, overnight (although creeping in very slowly for years before the cultural revolution of MAObama – and I say this as one who voted for the President, and initially supported healthcare reform) being directed, day by day and minute by minute, how to practice our profession, like puppets on strings, by untrained individuals who do not assume responsibility for the consequences, as do the patient and the physician.  How can it be practice without license to step into the exam room or the OR as an unstrung actor and perform these actions, and not to string and restrain highly trained actors, and perform these exact same actions on living feeling patients at their most vulnerable, and with the exact same consequences?  It is no different, regardless of legal technicality.  If the law or the court say slavery is right, it is still wrong!  I will share the stories of a number of cases, where patients have unnecessarily suffered and died (not to mention vast sums of money wasted) as a result, if desired. Continue reading

Just as we warned in 2009, the news is not good: Beware ObamaCare II, aka MACRA.

Jane Hughes, MD writes in:

After wasting billion of dollars on failed ObamaCare exchanges and forcing many Americans off their insurance plans, Washington directed it’s attention to fixing Medicare. Unfortunately, the same people who orchestrated ObamaCare authored the MACRA Law, referred to as the “Doc Fix”.

Nine hundred and sixty-two pages of CMS rules were just released, and groups of physicians from across the country have now had a chance to see what’s in it. Just as we warned in 2009, the news is not good. It shifts money for patient care to data mining patient records, destroying privacy and dignity of patients, forcing doctors through payment manipulations to violate their Hippocratic Oath, and paves the way to a bureaucrat rather than your physician deciding your healthcare options. Of course all this is sold as cost control and quality enhancement. If only. MACRA implementation would be astronomically expensive, ever changing and convoluted, and would destroy individual and small group practices as we watch it implode after billions more wasted healthcare dollars.

There’s still time to stop it.

Register your protest. Visit https://www.regulations.gov/#!docketDetail;D=CMS-2016-0060 and scroll down to “Comment Now” button.

Let your Representative and Senator know MACRA must be stopped. Sometimes it’s better to cut your losses.

Telemedicine in reality

“I see telemedicine as the way Government and third parties will short both patients and physicians the actual accuracy and feeling of presence and contact of the first-person therapeutic patient-physician relationship,” says Dr. Craig M. Wax. 

A Physicians’ Template for HealthCare Reform: An Eleven Point Plan

via AmericanDoctors4Truth

Revised Edition, September 1, 2015

There are those who say that ObamaCare is now the law of the land and citizens should accept it and proceed with compliance. However, the overt bribery with cloistered deliberations and the failure of Congress to read the bill before passage is an affront to every American citizen regardless of political persuasion. As we now begin to understand this takeover of one sixth of the private sector economy, we see a fundamental transformation of the relationship between the individual and the federal government. The profession of medicine has been politically commandeered to accomplish centralized power in bureaucrats who now have increasing potential to intercede in some of life’s most critical and intimate affairs. This has the potential to erode the personal dignity and worth of every individual and strip individuals of personal freedom in healthcare choices. Our healthcare system needed reform, not the further distortions to the system in the ACA.

These ideological considerations aside, many promises of ObamaCare have been shown to be false. Health insurance costs have already risen and individuals have lost their insurance, hospital access, and physicians with whom they were happy. Individuals now have an insurance card, but with the high deductibles and narrow networks they are unable to access care. Medicare, Medicaid, and the VA are existing examples of government medicine. Medicaid pays less than the cost of delivery of care for many services, and the VA scheduling delay scandal actually cost lives. The bureaucratic nightmare of compliance with Medicare mandates, not to mention the approaching ACA mandates, has prompted many physicians to restrict the number of these patients or opt out of participation completely.

Thirty-six states wisely rejected ObamaCare by not setting up state run exchanges. Of the fourteen that did, at least seven are now insolvent after over a billion dollars of federal tax dollars were spent to help set them up. ObamaCare has never been implemented. Rather, it has been changed by administrative or executive fiat at least thirty-five times. After the 2014 elections, there continues to be a window of opportunity for alternative solutions to fix our American healthcare system without destroying arguably the finest medical and surgical care in the world. Across the country physicians are joining forces to craft viable alternatives that fulfill the false promises of ObamaCare. Although the AMA has name recognition, it represents only about 12% of practicing physicians. In fact, the AMA supported ObamaCare because it has a monopoly on the coding books necessary for business with government insurers, an estimate $80 million a year revenue for them. Currently Docs4PatientCareFoundation, The American Association of Physicians and Surgeons, AmericanDoctors4Truth, The Physician’s Council for Healthcare Policy, and The National Coalition of Physicians for Healthcare Freedom, and United Physicians and Surgeons of America are leading activists in these endeavors. Most of the reform ideas share a common philosophy. Our system should be patient centered, physician guided, and free market driven leading to healthy competition, transparency, and free patient choice. Perhaps those in Congress and the presidential candidates who truly care about enduring reform will consider listening to the experts in healthcare, the boots-on-the-ground practicing physicians who take care of you and your family. The eleven points for reform are as follows:

  1. Get employers out of the health insurance business. Shift insurance purchase for the employee to defined contributions for healthcare purchases or to increased wages to place individuals in the driver’s seat selecting insurance options that fit their needs. Massive administrative costs for business would be saved and disruptions to existing physician relationships would be stopped. Insurance would be non-job specific, stable, and portable. The insurance industry would be forced to respond with a robust offering of individual policies that would form the risk pools. They would compete by virtue of their product, not contracts with third parties, i.e. employers or the federal government.
  2. Purchase of health insurance, health savings accounts, or cash payment for care should be with pre-tax dollars regardless of who makes the purchase.
  3. Once a robust individual market is established, liberate Medicare aged individuals by allowing them to opt out of Medicare without penalty. A defined contribution, like their social security check, would allow them to purchase insurance of their choosing like the rest of the population.  Retain Medicaid for the truly indigent or incapacitated of all ages.
  4. Medicaid would emerge as the only federal government health insurance program, except for the Military and the VA System. (Their reform is for a different discussion.) It could be also used as a stop-gap insurance for those between jobs who could not afford continuation of their insurance, as well as a “rider” for pre-existing disease added to conventional insurance for a specified time. States should receive block grants without mandates to decrease the perverse incentives to increase enrollment. This also promotes innovative ways to ensure access to quality care in cost effective ways.
  5. Return to indemnity insurance where there is shared risk for unanticipated medical or surgical expenses related to injury or illness. The notion that insurance is pre-paid routine healthcare cannot be fiscally sustained. Health Savings Accounts with a catastrophic insurance policy paid for with pre-tax dollars would transition to paying health care dollars, not insurance dollars. Many current insurance payments exceed the cost of routine care and a catastrophic policy. Patient controlled HSAs promote good stewardship of healthcare dollars.
  6. Encourage states to eliminate insurance coverage mandates, like acupuncture and message, to allow a cost effective catastrophic policy and HSA’s. Pre-existing could be covered with time-limited riders.
  7. Allow purchase and portability across state lines. States are the places for innovative healthcare solutions, not one size fits all central planning. Mistakes are more readily remedied as well.
  8. Total transparency across all health care entities is essential. No more third party contracts. There could be a state sponsored portal where hospitals, pharmacies, physicians, etc could post their individual fee schedules regardless of the insurance the individual carries. The insurance contract then becomes one between the patient and the insurance company. Insurance companies then could list what they will pay, not dictate what the physician can charge. This allows patients free access to whatever provider they chose. Cost shifting and horrendous administrative burdens would be eliminated. Hospitals would no longer have inflated “charge master” fees. Prices would fall as competitive markets emerge. We don’t walk into a grocery store and get charged different prices depending on what credit card we use and what deal that credit card has with the grocer.
  9. Fees and costs of all entities, like pharmaceuticals, surgery, devices, physician services, should reflect the cost of resources used and services rendered, not an inflated price upon which third party contracts base their “discounts” for individuals in their “network” nor the Medicare arbitrary price controls. This allows patients and physicians to make informed decisions regarding health care expenditures and choices, and helps to ensure adequate access to care.
  10. Encourage torte reform to save the estimated 30% cost of litigation avoidance for pain and suffering. Lost wages and disability compensation would still be recoverable.
  11. Allow charitable care delivered by the physician to be a tax deductible item with a yearly limit.

Jane Lindell Hughes, MD, FACS

Edited and Approved By:
AmericanDoctors4Truth

Co-Founders:
Kristen Story Held, MD
Jane Lindell Hughes, MD, FACS

HDP/HSA policies cancelled: Yet another #ACA #EpicFail

My personal family business HDP w HSA policy was canceled as a direct result of PPACA/Obamacare. It was replaced with a plan that was double the cost. So, if we do the math, $800 plus $800 equals $1600, that’s a 100% increase. Others have had similar experience. Our states Blue Cross affiliate used to sell over 140 different plans, but now due to the unaffordable careless act, now only sells a dozen or so. Perhaps, we can also discuss the fact that we tax payers, through this government fascist program, pay over $1 million per policy. #ACA #EpicFail