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  • Ralph Weber Talks About Healthcare Pricing – Video August 29, 2014
    Physicians used to take any type of payment for their services, be it in cash or trade (goods). The doctor would give you a price up front. Why can’t you get prices now? Insurance companies hide the real prices so …
  • Hysteria’s History Episode01 FINAL August 29, 2014
  • Ambulatory Surgical Centers: Safe & Quality Medical Care August 27, 2014
    by Adrienne Snavely Ambulatory Surgical Centers (ASC) arrived on the scene in 1970. Physicians continue to own nearly 90% of such facilities. Physicians can conveniently schedule procedures, assemble their own teams of highly skilled staff, check over the equipment and …
  • Ralph Weber Talks About Transparency – Video August 25, 2014
    Prices for medical care can vary across town, across the state, and across the country. There may be no difference in a surgical technique or the training of the physician, yet the price can differ up to 20 times as …
  • Here’s The Thing #1: Transparency August 25, 2014
  • Here’s The Thing #2: Healthcare Pricing August 25, 2014
  • Here’s The Thing #3: Procedure Cost August 25, 2014
  • Save Yourself from Your Desk Job – Part II August 22, 2014
    By Sue Redmond Studies have now shown that the “couch potato” lifestyle, and even a desk job where you are sitting for long periods of time, can heighten your risk of certain diseases and even age you faster. Joan Vernikos …
  • Want to Get Lean and Fit? Don’t Do Cardio August 20, 2014
    Want to Get Lean and Fit? Then Don’t Do Traditional “Cardio” Exercise by Lee Kurisko, MD For many, this is heresy but I believe that it is true. Have you ever noticed the people frequenting the ellipticals and treadmills at …
  • The Ebola Virus: Global Threat or False Alarm? August 18, 2014
    by Adrienne Snavely The Ebola virus was discovered in 1976 near the Ebola River, in what is now Congo. All 25 outbreaks of human illness or death have occurred thus far in Africa. In rural areas, people live close to …
  • Save Yourself From Your Desk Job! August 15, 2014
    by Sue Redmond Everyone knows that the couch potato “lifestyle” is unhealthy. You come home from a hard day at work and park yourself in front of the TV. Recent studies have found your desk job may be just as …
  • Thyroid Health & Testing August 13, 2014
    Women are more likely than men to develop thyroid disorders. Thyroid disorders that can affect women include: Hyperthyroidism Hypothyroidism Thyroid nodules Thyroiditis Thyroid cancer Goiter The most common disorders are hyper- and hypo-thyroidism. Symptoms of hyperthyroid Weight loss, even if …
  • Canadian Consumer Tax Index 2014 August 12, 2014
    Canadian families spend more money on taxes than on food, clothing, and shelter combined.The Fraser Institute’s Canadian Consumer Tax Index tracks the total tax bill of the average Canadian family from 1961 to 2013 by adding up the various taxes …
  • Keys to Exercise Success August 11, 2014
    by Lee Kurisko, MD I have had exercise as a regular habit for 41 years. Through all of that time, I have been analyzing what I do and trying to refine my approach always in search of a better way. …
  • MediBid in Kaiser Health News & Washington Post August 8, 2014
    Patients Seeking Cheaper Care Are Soliciting Bids From Doctors Online By SANDRA G. BOODMAN  AUG 05, 2014  This KHN story also ran in . It can be republished for free. (details) Francisco Velazco couldn’t wait any longer. For several years, the …
  • Are We Heading Towards a Two Tiered Health Care System? August 6, 2014
    In 2013, 117 insurance plans were offered on average in each state. Only 41 plans are offered in the exchanges, and in 16 states, consumers have access to 3 or fewer insurers.  In addition, these plans have increasingly restricted networks… …
  • OMTEC 2014 – Keynote Interview with Industry Leaders (Installment 2 of 5) August 5, 2014
    Original, essential content from OMTEC. Industry leaders Michael Butler, Dirk Kuyper and Mike Matson discuss the intricacies of supplier relationships within the orthopaedic industry.
  • OMTEC 2014 – Keynote Interview with Industry Leaders (Installment 1 of 5) August 5, 2014
    Original, essential content from OMTEC. Industry leaders Michael Butler, Dirk Kuyper and Mike Matson discuss the intricacies of supplier relationships within the orthopaedic industry.
  • Life Without Antibiotics Would Likely Be Grim August 4, 2014
    The first antibiotics came on the market after World War II. Bacteria continue to mutate so antibiotics cannot destroy them. Some have become so resistant that nothing is effective on them. A treatment that may have worked five years ago …
  • An Introduction to Fibroids August 1, 2014
    By Dayton Interventional Radiology What are Fibroids? Fibroids are non-cancerous growths that develop in the walls of the uterus. They can occur in bunches or alone, and can be very tiny or grow to the size of a cantaloupe. An …

How an Association Health Plan Can Protect Us from Obamacare — Webinar July 10

Because of rising healthcare costs due to provisions of Obamacare, having an Association Health Plan (AHP) can help protect you from these effects.   Join Ralph Weber and special guest Rick Holder from RH Administrators on Tuesday, July 10 for this important discussion.

Reserve your Webinar seat now at:  https://​www3.gotomeeting.com/​register/632275350

 

There are many advantages to having an AHP. These benefits include:

1. The plan will function like REAL insurance, not simply the pre-paid third party plans commonly available.
2. Risk pooling would be done for the entire group for catastrophic claims, not routine expenses like typical plans do. While large claims are pooled, each practice may establish its own self-funded plan using tax effective funding. This means that each practice participates in the reinsurance, but will still be rated on its own claims experience.
3. Under Obamacare, the Medical Loss Ratio (MLR) rule says that traditional insurance must pay 80 percent in medical care. That means up to 20 percent is lost to overhead. An AHP is governed by the participants, and cannot make or retain profit. Therefore, it pays out 100% of its moneys, after administrative fees, for medical care.
4. Pre-Paid Third Party Payer plans commonly available cover things you and your employees may not want or need, such as substance abuse, contraception, wigs, acupuncture, etc, which drive up costs. Under an Association Health Plan (AHP), any participating office may decide not to cover anything it deems unnecessary. Real insurance would never cover such things as wigs or substance abuse treatment.
5. Plans falling under State Departments of Insurance rules must follow state mandates for coverage, so they are very wasteful. Coverage ends up costing more than the “benefit” is worth. This would be an ERISA (Employee Retirement Income Security Act) plan, overseen federally by the Department of Labor, not by the state Department of Insurance. That allows our Association Health Plan to be much more efficient with your dollars.
6. For the first $5,000-10,000, transactions would be in cash, meaning there are no silent “Preferred Provider Organizations.” Cash transactions allow direct contracting, which cuts costs dramatically.
7. There is no community rating, so we won’t be subsidizing other industries.
8. Because of the number of people we anticipate will want to participate in the Association Health Plan, Medicare will become the second payer, and the plan will be primary payer. Most individual practices would not qualify for a “Medicare second payer plan”, because of the number of participants.
9. Participants may also select $10,000 worth of Critical Illness Insurance and/or accident insurance, both of which will be guaranteed issue (no health questions). In other words, upon diagnosis of one of 14 critical illnesses, you receive $10,000 to help you pay out-of-pocket costs.

Reserve your Webinar seat now at:  https://​www3.gotomeeting.com/​register/632275350



At MediBid, we restore market forces to medical care. Doctors get to set their own rates based on their training, experience, and outcomes, and patients get to shop for medical care across state lines and international borders. Many times with MediBid, you will find procedures that are more effective than procedures allowed, or covered by health plans. Transparency and competition are the only way to achieve reasonable costs. Many of our employer clients offering group health insurance through MediBid save $5,000 per employee per year. Those are substantial savings. Patients are saving an average of 48% vs. insurance discounted rates, or 80% vs. retail. Contact us for more information.
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