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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 …

PPACA: Deadlines Are Coming

Employers need to be fully aware of the consequences of the healthcare choices they will be faced with in the coming weeks and months. Many health insurance brokers are not equipped to advise you on the wise choices to make.

Reducing taxes and costs is important. That’s why MediBid benefit consultants are equipped to guide you through the minefield ahead and help you save money on healthcare.

PPACA: Deadlines Are Coming | LifeHealthPro.

William Gallagher Associates Insurance Brokers Inc. has tried to boil the news into a short note: U.S. employers will face many health benefits compliance deadlines in the coming year.

Some employers and brokers may have been closing their eyes, putting their fingers in their ears and hoping the U.S. Supreme Court would make the deadlines associated with the Patient Protection and Affordable Care Act of 2010 (PPACA) go away.

The court ruled June 28 that the U.S. Constitution does give Congress the authority to impose a tax on individuals who fail to own a minimum amount of health insurance starting in 2014, and that Congress does have the authority to use promises to new funding to encourage states to expand access to state Medicaid programs.

Opponents continue to fight PPACA implementation in Congress, at the state government level, at the polls, and in the courts.

Although the Supreme Court now has rejected some cases challenging the constitutionality of PPACA, others are working their way through the courts, and new cases could crop up.

But, for now, at least, PPACA is the law of the land.

The law of the land will require insurers that failed to spend 85% of the 2011 revenue from large group plans and 80% of the 2011 revenue from small group plans on health care and quality improvement efforts to send the plans rebates by Aug. 1, according to William Gallagher, Boston.

William Gallagher also discusses other upcoming PPACA benefit plan dates of interest:

  • Plan years starting on or after Aug. 1: New women’s preventive coverage requirements take effect.
  • Plan years starting on or after Sept. 23: Affected insurers and plans are supposed to start providing summaries of benefits and coverage (SBCs).
  • Plan years starting on or after Jan. 1, 2013: Employers with flexible spending accounts (FSAs) are supposed to start capping employees’ FSA contributions at $2,500 per year.
  • Jan. 1, 2013: Employers that issues more than 250 Form W-2 forms to employees will have to start reporting the total cost of employer-sponsored health coverage in W-2 Box 12.
  • July 31, 2013: Plan sponsors and insurers will have to start paying a fee to fund research concerning how effective, and how cost-effective, various treatments other. The initial fee is set to be $1 per member per plan year.

The firm also notes that some of its clients may get letters from the U.S. Department of Labor about PPACA audits.

“Any clients receiving a letter from the [department] should retain counsel to help them with the audit process,” the firm says.



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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