RSS Articles and Information
  • 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 …
  • Chris Hobbs on MediBid’s Value-Based Medical Care December 31, 2014
    Chris Hobbs, CFO of MediBid, spoke with David Saltzman on ShiftShapers podcast about how MediBid works. As a former banker and recent immigrant from Canada, Hobbs sees the free market as the solution to the current broken system in delivery …

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.
Share

Comments

This entry was posted in Cost of Health Care, Health Care News, Health Care Reform, Health Care Repeal, Health Care Taxes, Health Law and Legislation, Insurance, Obamacare, Tax Increases and tagged , , , , , , , . Bookmark the permalink.
More Affordable Insurance AlternativeCategories
Bulk Email Sender