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  • Economists Say Third-Party Payment Key to Increases in Medical Cost October 1, 2014
    The rapid increase in medical costs starting in the 1970s is commonly ascribed be market imperfections. However, federal and state governments have long suppressed the functioning of the market system in the medical industry, write Maureen Buff and Timothy Terrell, …
  • Health Insurance Exchanges Waste Taxpayer Money September 29, 2014
    Obamacare may surpass Cash for Clunkers to become the prime example of federal taxpayer resource mismanagement. For every dollar in premiums for exchange coverage, taxpayers paid 94 cents in subsidies to either enroll people or encourage them to do so. …
  • Mesothelioma: An avoidable cancer? September 26, 2014
    by Sue Redmond Did you know? Mesothelioma is an aggressive cancer that attacks the lining of the body cavity called the mesothelium (80% of which occur within the lining of the lungs). The only known cause to mesothelioma is exposure …
  • Government Healthcare is Breech of Contract September 24, 2014
    by G. Keith Smith, MD One of the smartest people I have ever met is a property and contracts lawyer, someone from whom I have gleaned countless and valuable insights over the years.  He has advised me, among other things, …
  • Dr. Alieta Eck Campaign Update September 24, 2014
    Dr. Eck http://EckForCongress.com speaks to colleagues at AAPS 71st annual meeting on September 5, 2014.
  • Is There A Provider In The House? September 22, 2014
    by Marilyn Singleton, MD, JD Physicians have a proud heritage. We can boast Dr. Benjamin Rush, a founding father, signer of the Declaration of Independence, Surgeon General of the Continental Army, and opponent of slavery. And Dr. James Derham, born …
  • From EBM to Guidelines September 20, 2014
    Richard Amerling, MD presents at the 71st Annual Meeting of the Association of American Physicians and Surgeons, September 5, 2014.
  • Flaw In Federal Software Lets Employers Offer Plans Without Hospital Benefits September 19, 2014
    A flaw in the federal calculator for certifying that insurance meets the health law’s toughest standard is leading dozens of large employers to offer plans that lack basic benefits such as hospitalization coverage, according to brokers and consultants. The calculator …
  • Ralph Weber Talks About Cost Shifting – Video September 17, 2014
    How do hospitals come up with their prices? Medicare patients cause them to lose money. They have to make up the difference by charging the self-insured more. Non-profit hospitals keep beds vacant or build other facilities so as not to …
  • Here’s The Thing #4 Cost Shifting HD September 17, 2014
  • The Commoditization of Medicine September 17, 2014
    Parvez Dara, MD, FACP, MBA, author of http://jedismedicine.blogspot.com/, speaks at the AAPS 71st Annual Meeting in Charleston, SC.
  • The Progressive Train Wreck: From Medicare to HillaryCare to ObamaCare September 15, 2014
    Jane M Orient, MD presents at the AAPS 71st annual meeting, September 5, 2014, Charleston, SC.
  • Varying Prices for Lab Tests are Absurd September 15, 2014
    by Adrienne Snavely The health needs of a community vary by market. If you cannot find what you need or afford it, you should have the opportunity and information to go elsewhere without being penalized. A patient in Chicago went …
  • The Future Of Medicare September 14, 2014
    Lawrence R. Huntoon, MD, PhD presents at the 71st Annual Meeting of the Association of American Physicians and Surgeons, September 6, 2014, Charleston, South Carolina.
  • Unethical ABMS behaviors and the MOC Scam: How It Will Be Used to Control Medical Practice September 13, 2014
    Paul Kempen, MD, PhD presenting at 71st annual meeting of AAPS, September 6, 2014, Charleston, SC.
  • How is that low fat diet working out for you? September 12, 2014
    by Sue Redmond First, let’s ask where did the idea for the low diet come from? In the late 50’s and early 60’s the AMA worked on a theory and published a report that a low fat diet could help …
  • EHR: Remote Control – Craig M. Wax, D.O. September 12, 2014
    Dr. Wax of http://ip4pi.wordpress.com examines how government-controlled electronic health records undermine quality medical care and patient privacy. Presentation at 71st Annual AAPS Meeting Sept. 4-6, 2014.
  • Evidence-Based Medicine as Junk Science — Twila Brase RN September 11, 2014
    Twila Brase, President of http://CCHFreedom.org outlines how so-called evidence-based medicine (EBM) encourages one-size-fits-all healthcare, is a tool for increased control by insurance companies and the government, and is detrimental to individualized patient care.
  • What ObamaCare Means for Patients September 11, 2014
    Kris Held, MD addresses the 71st Annual Meeting of the Association of American Physicians and Surgeons, September 4, 2014 in Charleston, SC.
  • Private Health Care is Individualized Care, Not Public Health — Richard Amerling, MD September 10, 2014
    AAPS President-Elect Richard Amerling, MD opens the 71st Annual Meeting, Sept. 4, 2014, Charleston, SC.

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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