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  • Ralph Weber Talks MediCrats with FreedomWorks – Part 3 January 26, 2015
    MediBid is the free market answer to rising healthcare costs. Employer-sponsored plans, as well as self-insured individuals, make up most of MediBid’s customers. On MediBid, a patient makes a procedure request which gets sent out to physicians and facilities around …
  • Medical Debt Still a Problem for Those With Health Insurance January 23, 2015
    by Adrienne Snavely Medical debt can affect anyone of any age in any state in any income bracket. Medical debts account for more than half of debt collections on credit reports. One in three Americans struggle to pay medical bills, …
  • Q&A with Direct Pay Physicians January 22, 2015
    Direct pay physicians answer colleagues’ questions about third-party-free medical practice. From January 9, 2015, New Orleans AAPS workshop.
  • Ralph Weber Talks MediCrats with FreedomWorks – Part 2 January 21, 2015
    The pitfalls of Obamacare are that it makes healthcare affordable to the employee, yet unaffordable to dependents. Some plans cover children, but not spouses. This means less options for families. The independent physicians are being bought out by hospitals and …
  • Cash and out-of-network: good for medicine as free agency is for sports January 21, 2015
    Andrew Schlafly, J.D., General Counsel, AAPS, opens the 21st Thrive, Not Just Survive workshop held Jan. 9, 2015 in New Orleans, LA.
  • Opting Out of Medicare January 20, 2015
    Lawrence Huntoon, MD, PhD, presents via Skype at the AAPS 21st Thrive Not Just Survive Workshop on Third Party Free Practice, January 9, 2015
  • Say Goodbye to 3rd Party Medical Payments January 19, 2015
    Obamacare is increasing costs, restricting access to care, and putting Medicrats in charge. Out of this adversity comes innovative physicians who are changing the world of medical care. Doctors know what is best for their patients, so they must be …
  • My Direct Pay Practice January 19, 2015
    Brenda Arnett, MD http://arnettmd.com, talks about why and how she launched a third-party-free internal medicine practice. From January 9, 2015.
  • AtlasMD: Direct Pay Primary Care better for patients and physicians January 18, 2015
    Dr. Josh Umbehr, founder of http://atlas.md speaks at AAPS XXI Thrive Not Just Survive Workshop, January 9, 2015 in New Orleans, LA.
  • Epiphany Health, Affordable, high-quality direct primary care January 17, 2015
    Lee Gross, MD, Founder, Epiphany Health http://www.epiphanyhealth.net & President, Docs 4 Patient Care Foundation http://www.d4pcfoundation.org addresses the AAPS Thrive Not Just Survive XXI conference, January 9, 2015, in New Orleans, Louisiana.
  • Ralph Weber Talks MediCrats with FreedomWorks – Part 1 January 16, 2015
    Wayne Brough of FreedomWorks interviews MediBid’s CEO, Ralph Weber, about Obamacare and Weber’s book MediCrats. Weber has found innovative ways to bring the free market to healthcare. MediCrats, by definition, are medical bureaucrats who add administrative burdens and increase costs. …
  • Third Party Free Specialty Practice January 16, 2015
    Gerard J. Gianoli, M.D., F.A.C.S. of The Ear and Balance Institute, Covington, Louisiana, http://EarAndBalance.net speaks at the AAPS Thrive, Not Just Survive workshop held January 9, 2015 in New Orleans.
  • Stop the Interstate Licensing Compact January 15, 2015
    Dr. Ken Christman explains how the FSMB’s proposed compact is a backdoor for MOC and MOL. January 9, 2015, New Orleans, LA.
  • Update on AAPS Legal Initiatives in War on Doctors and Patients January 15, 2015
    Andrew Schlafly wraps up Thrive XXI with a look at ongoing and future AAPS legal initiatives to protect patients and their physicians.
  • The Answer to American Medicine is NOT Coming from DC January 15, 2015
    … it is coming from physicians who are kicking ObamaCare and insurance OUT and working directly with their patients, explains AAPS Executive Director, Jane M. Orient, MD. From AAPS Thrive, Not Just Survive XXI, Jan. 9, 2015, New Orleans, LA.
  • The End of the 10-Minute Doctor’s Appointment January 14, 2015
    The patient-physician relationship should be balanced, not one-sided with physicians skimping on visit time and not allowing patients to ask enough questions or explain their symptoms well. Eighteen seconds is the average time a patient is allowed to talk before …
  • The Physicians Declaration of Independence in 2015 January 14, 2015
    We need a critical mass of truly independent doctors and core who will pass along the art of medicine to the next generation, explains AAPS President Richard Amerling, MD on January 9, 2015 at talk to colleagues in New Orleans, …
  • Physicians & Patients: Take Your Power Back January 14, 2015
    Dr. Elaina George explains that it is crucial for patients and physicians to work together outside of ObamaCare and insurance-dominated system. She discusses alternatives to ObamaCare such as health care sharing programs like Liberty HealthShare: http://LibertyOnCall.com
  • Self-Funded Awareness & The Movie “Dune” January 7, 2015
    by G. Keith Smith, MD “The sleeper has awakened.” Anyone who has seen the movie “Dune” knows the scene where Paul Atreides proclaims his new awareness. Having recently attended the annual meeting of the Self-Insurance Institute of America I was …
  • Perils of Obamacare Reenrollment January 5, 2015
    Obama has come up with the 95% solution to make reenrollment figures look good: A senior federal official told CNBC that an estimated 95 percent of HealthCare.gov enrollees—some 5.1 million people—will be signed up for the 2015 plan year and …

Ralph Weber Talks MediCrats with FreedomWorks – Part 3

MediBid is the free market answer to rising healthcare costs. Employer-sponsored plans, as well as self-insured individuals, make up most of MediBid’s customers. On MediBid, a patient makes a procedure request which gets sent out to physicians and facilities around the world. Physicians place bids on that request, which the patient then can choose from. Competition, innovation, more training, and better technology have brought medical prices down. Keeping health care prices down results in driving down costs to businesses. MediBid has total transparency in physicians’ quality, outcomes, training, experience, history, and what is included in the bid/fee. Government doesn’t provide innovation, businesses and entrepreneurs do. The obstacles that the government has put in people’s way must be solved by businesses.  As the Priceline for healthcare, MediBid is doing something different to change the current system, bringing real savings to the patient.

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Posted in Free market medicine Tagged , , , , , , |

Medical Debt Still a Problem for Those With Health Insurance

shockedby Adrienne Snavely

Medical debt can affect anyone of any age in any state in any income bracket. Medical debts account for more than half of debt collections on credit reports. One in three Americans struggle to pay medical bills, and 70% of them are insured. Having a bill go into collections damages a person’s credit rating. People with medical debt can also fall into credit card debt, bankruptcy, or home foreclosure. They may deplete their retirement or college savings. The person may also forego future needed medical treatment to try to save money. An expense of $400 is found to be too much for 52% of Americans, and a patient’s deductible is most always over $1,200.

Most people who have difficulty paying medical bills are individuals and families that have insurance, not the uninsured. They may be gradually paying these bills over time or have bills they simply cannot pay. Out of pocket spending can exceed the amount of the deductible after a major health event, including getting care from physicians outside of network. There are coverage limits and exclusions which create additional costs for patients to cover. Debt may also result from insurance premiums that are unaffordable.

billing1Bills that may have been affordable before no longer are if the health event keeps the person from bringing in income. Illness or injury also compromises a person’s ability to manage all the paperwork that follow – keeping track of what has been paid and what is still owed. The problem of medical debt and collections is worsened by the complexity and lack of transparency in the system. The complexity of third party reimbursement is a source of confusion and misunderstanding between the patient, physician, and insurer. Some patients were surprised to find out how much they owed for care that they thought was covered.

Obamacare provides some tools to attempt to make insurance coverage easier to understand and transparent for patients. The summary of benefits and coverage (SBC) is to be a summary of what a plan covers and the deductibles to each benefit written in plain language with no fine print. It must also include what is not covered, so patients have an idea of what costs will be out of pocket. Implementation of this requirement has been incomplete. Another regulation sets new standards for the explanation of benefits (EOB), which summarizes what claims have been paid or denied. Transparency reporting is required by all plans, including employer-sponsored ones. Plans are to report data on enrollment, claims payment practices, claims denials, and patient expenses, and other information requested by the Secretary of Health and Human Services. This transparency provision has not yet been implemented. Consumer assistance programs (CAP) are to be established in every state. This program is to help patients with questions about their coverage, resolve disputes, file appeals, and collect data on patient experiences with health plans.

Increasing deductibles are not making insurance premiums more affordable, and also increase the risk of medical debt, even to those who have insurance. More transparency in the details of plans cannot eliminate medical debt, but can help patients see the differences between plans and resolve any billing questions. At MediBid, price transparency helps patients plan for expenses and reduces the chance of unexpected debt.

http://kff.org/private-insurance/report/medical-debt-among-people-with-health-insurance/

Pollitz, Karen; Cox, Cynthia. “Medical Debt Among People With Health Insurance.” Private Insurance. Kaiser Family Foundation, 7 Jan 2014. Web. 23 Jan 2015.

http://kff.org/health-reform/perspective/medical-debt-among-insured-consumers-the-role-of-cost-sharing-transparency-and-consumer-assistance/

Pollitz, Karen. “Medical Debt Among Insured Consumers: The Role of Cost Sharing, Transparency, and Consumer Assistance.” Policy Insights. Kaiser Family Foundation, 8 Jan 2015. Web. 23 Jan 2015.

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Posted in Cost of Health Care Tagged , , , , , , , |

Q&A with Direct Pay Physicians

Direct pay physicians answer colleagues’ questions about third-party-free medical practice. From January 9, 2015, New Orleans AAPS workshop.

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Posted in Medibid Television, Tax Increases

Ralph Weber Talks MediCrats with FreedomWorks – Part 2

The pitfalls of Obamacare are that it makes healthcare affordable to the employee, yet unaffordable to dependents. Some plans cover children, but not spouses. This means less options for families. The independent physicians are being bought out by hospitals and corporations. Private physicians are closing up shop and small business owners are not hiring. There will be more part-time jobs and outsourcing so there will be no extra cost for healthcare needs. MediCrats will be deciding if your procedure is medically necessary – administrators making your medical decisions. Physicians will be wanting more pay, and patients will be wanting more services for their higher premiums. Most of these cost hikes and penalties begin in 2015, and 2016 will be even worse.

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Posted in Obamacare Tagged , , , , , , , |

Cash and out-of-network: good for medicine as free agency is for sports

Andrew Schlafly, J.D., General Counsel, AAPS, opens the 21st Thrive, Not Just Survive workshop held Jan. 9, 2015 in New Continue reading

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Posted in Medibid Television, Tax Increases

Opting Out of Medicare

Lawrence Huntoon, MD, PhD, presents via Skype at the AAPS 21st Thrive Not Just Survive Workshop on Third Party Free Continue reading

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Posted in Medibid Television, Tax Increases

Say Goodbye to 3rd Party Medical Payments

Obamacare is increasing costs, restricting access to care, and putting Medicrats in charge. Out of this adversity comes innovative physicians who are changing the world of medical care. Doctors know what is best for their patients, so they must be the first to offer solutions to this current unaffordable system.

gianoliTen years ago, Dr. Gerard Gianoli converted his practice in Covington, LA to third-party-free, ridding himself of insurance hassles and extensive paperwork. His patients pay cash for treatment. They know the fees before the visit, so there are no surprises. Patients may still request reimbursement directly from their insurance company. This practice model saves physicians 40% in administrative expenses, which results in significantly lower fees for the patients. Patients have freedom from the restraints of insurer networks, which doctor they can see or which procedures are covered. Physicians can treat patients the best way that fits patient needs and don’t have the burden and costs of mandatory electronic records. Patients should still have catastrophic insurance to cover big ticket items like hospitalization and emergency services.

Gerard J. Gianoli, M.D., F.A.C.S. of The Ear and Balance Institute, Covington, Louisiana, http://EarAndBalance.net speaks at the AAPS Thrive, Not Just Survive workshop held January 9, 2015 in New Orleans.

http://www.wsj.com/articles/gerard-j-gianoli-saying-goodbye-to-third-party-medical-payments-1421280968

Gianoli MD, Gerard J. “Saying Goodbye to Third-Party Medical Payments.” Opinion. The Wall Street Journal, 14 Jan 2015. Web. 18 Jan 2015.

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Posted in Free market medicine Tagged , , , , , , , |

My Direct Pay Practice

Brenda Arnett, MD http://arnettmd.com, talks about why and how she launched a third-party-free internal medicine practice. From Continue reading

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Posted in Medibid Television, Tax Increases

AtlasMD: Direct Pay Primary Care better for patients and physicians

Dr. Josh Umbehr, founder of http://atlas.md speaks at AAPS XXI Thrive Not Just Survive Workshop, January 9, Continue reading

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Posted in Medibid Television, Tax Increases

Epiphany Health, Affordable, high-quality direct primary care

Lee Gross, MD, Founder, Epiphany Health http://www.epiphanyhealth.net & President, Docs 4 Patient Care Foundation <a href="http://www.d4pcfoundation.org" target="_blank" Continue reading

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Posted in Medibid Television, Tax Increases
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