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  • Hopeful New Cancer Treatment System July 30, 2014
    Tumor-combatting drugs could allow melanoma patients to live much longer. Immunotherapy could revolutionize cancer treatment. New drugs can work in different types of cancer and last years. The two-year survival rate for advanced melanoma has improved from 10 to 25% …
  • Hobby Lobby wins Supreme Court case, can opt out of mandate July 23, 2014
    The Supreme Court ruled in favor of Hobby Lobby and against Obamacare mandates.  They decided that the government cannot force employers to violate their religious beliefs.  Christian corporation Hobby Lobby did not want to have to cover certain types of …
  • Hundreds of Newborns to have Genomes Sequenced July 21, 2014
    Genome sequencing would not replace the newborn screening tests most states require. They are researching if sequencing is better than regular screening at detecting genetic disorders, immune function, as well as metabolic disorders. Researchers believe that cataloguing a newborn’s genome …
  • VA Seeks Help from Corporate Healthcare Giant HCA July 18, 2014
    The Department of Veteran’s Affairs has recruited the Chief Medical Officer of hospital giant HCA, Dr. Jonathan Perlin, to help them find solutions for all the problems of their mismanaged system. Dr. Perlin is known for being a leader in …
  • The Trap Known as Health Insurance July 16, 2014
    The cost of health care is on the rise and is continuing to grow exponentially. One of the biggest factors to this cost is health insurance. Third parties don’t care about quality or affordability. They are spending your money for …
  • Current Health System Provides No Privacy for Patients July 14, 2014
    Dr. Deborah Peel has advocated for patient privacy for over 20 years.  She explains to the tech community how breaches in computer systems using electronic health records destroy privacy.  When patients are in control of their own money and move …
  • Is There a Link Between Saturated Fat & Heart Disease? July 11, 2014
    For the last several decades, we have been taught that saturated fats in butter, cheese, and meat are dangerous for your health. The truth is that this has never been proven. Countries that have high fat diets do not have …
  • Men’s and Women’s Comprehensive Wellness Panel (CWP) for $99! (Retail $800) July 7, 2014
    This is a great way to be proactive and keep up with your health as well as that of your loved ones. The Comprehensive Wellness Panel (CWP) includes over 50 individual laboratory tests that provide a thorough Biochemical assessment of your …
  • Physicians’ Declaration of Independence July 4, 2014
    by Richard Amerling, MD A physician’s responsibility is to the patient. To protect the patient-physician relationship, payment should be decided between these two parties, assuring all information is kept confidential. Involving third parties is destructive to the patient-physician relationship. Physicians …
  • Ralph Weber: Healthcare with Transparency in Quality & Pricing July 2, 2014
    MediBid helps patients find the best treatment solution for them at the best quality and price. Physicians set their own prices and this transparency allows for competition. MediBid started as a means for Canadians on waiting lists to get timely …
  • Steps to Increase Price Transparency June 30, 2014
    Summary by The Market Institute The Center for American Progress recently published a brief detailing their opinion on how hidden health care costs are hindering market competition and ultimately making healthcare expensive for consumers. Unlike almost every other scenario in …
  • How Obamacare Affects the Affordability of Your Medical Care June 27, 2014
    Those who do not get health insurance from their employers or Medicaid/Medicare find their premiums increasing, some states more than others. While some people will be eligible for Obamacare tax credits, many will still have to pay these premium increases …
  • Canada needs a prosperous Ontario June 27, 2014
    Ontario’s poor economic performance is dragging down Canada’s economy.A Fraser Institute study, Can Canada Prosper without a Prosperous Ontario?, examines Ontario’s shift from the economic engine of Canada to a “have not” province that received $3.2 billion in equalization payments …
  • Why Coconut Milk Might Not Be Your Friend June 25, 2014
    Those following a Paleo diet get most of their fat from coconut milk. Coconut milk is great for making smoothies. Canned coconut milk may contain BPA, a chemical which can leach out of the metal and into acidic foods, such …
  • Increasing Cost of Medical Care Can Make You Sick June 23, 2014
    At the onset of an illness or serious injury, Americans are finding the costs too much to bear – even when they have insurance. Medical expenses are the biggest financial burden in American households today. Nearly 50% of Americans cannot …
  • Natural Alternatives for Sun Protection and Sunburn Treatment June 20, 2014
    With summer activities in full swing, many of them outdoors, it is important to remember to protect your skin from the damaging effects of the sun. Some exposure is beneficial, and can cause your skin to produce Vitamin D. Vitamin …
  • Your HSA Can Double as an IRA June 18, 2014
    Some Americans are supplementing thier retirement funds with a Health Savings Account. People with a high-deductible insurance plan can have an HSA to cover future medical expenses. There is a penalty to withdraw this money for nonmedical reasons, yet after …
  • OMTEC 2014 – The Past, Present and Future of the Implant Market: A Surgeon Inventor Perspective June 17, 2014
    What does the future hold for the orthopaedic implant market? Dr. Robert S. Bray, Jr., a globally recognized spine surgeon, entrepreneur and inventor, provides a look at the industry past and present and answers the question: How will the development …
  • Real Illness or Not? June 16, 2014
    by Sue Redmond Should Doctors prescribe for a “non-disease”? Infants spit up.  Many on a daily basis (some studies show as high as 40-70%).  Just one of the reasons may be that they drink a large volume of liquids and …
  • How Obamacare Impacts Small Businesses June 13, 2014
    Cost increases due to Obamacare will be sharp and immediate for small businesses. As they renew their group health plans, they are discovering an onslaught of new regulations which will also affect their future hiring and business growth. Over 60% …

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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