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  • Make Spring Cleaning a Workout April 17, 2015
    Chores you do around the house and garden can burn calories and stretch and tone muscles if done correctly. Short episodes of mild exercise can improve your fitness level if done with intensity and speed. Adding 30 minutes of chores …
  • Provisioning for the Opt Out Journey April 17, 2015
    Ophthalmologist David Richardson, MD on how to prepare for opting out of Medicare. From AAPS 70th Annual Meeting, September 2013, Denver, Colorado.
  • What America’s Decline in Economic Freedom Means for Entrepreneurship and Prosperity April 16, 2015
    The United States was once considered the land of opportunity where entrepreneurs such as Henry Ford, Ray Kroc and Steve Jobs contributed to a flourishing economy by providing new products and services at prices people were happy to pay.Today America’s …
  • Obamacare Fines Debut This Tax Season April 15, 2015
    Taxes for 2014 are due this week, and your tax bill could be affected by your health insurance. If you had insurance during the entire calendar year of 2014 through an employer, a state exchange, or Medicare Part A, you …
  • Blood Transfusions: Less is More April 13, 2015
    The most common inpatient medical procedure in 2011 was the blood transfusion, with 12% of all hospitalized patients receiving one. The accrediting nonprofit Joint Commission reports transfusions as one of the five most overused hospital procedures. Now, there is a …
  • Health “Coverage” is Just a Distraction April 10, 2015
    by G. Keith Smith, MD I think it is good to be alert to any discussions that are “downstream of a flawed premise.” Let me explain. When I hear, for instance, that the “flat tax” is preferable to the current income …
  • Text Neck – Your Phone is Causing You Pain April 8, 2015
    In the last few years, more and more young people have come in for chiropractic care with symptoms of neck pain, headaches, shoulder pain, or numbness and tingling in their arms. This condition has been named “text neck”. A study …
  • Fat-Burning Foods Help with Weight Loss April 3, 2015
    Many people include losing weight as one of their personal goals. The benefits of losing weight go beyond the outward appearance. Fat-burning foods can help you lose weight, reverse diabetes and risk of obesity, and boost energy levels. Certain foods …
  • Monitoring Patient Compliance with Mobile Devices April 1, 2015
    Company iGetBetter hopes that remote patient monitoring with phone apps and wearables will reduce hospital admissions and increase patient compliance after procedures. The platform allows patients to access post-op directions on a mobile device, ask questions, and send data directly …
  • Americans Can’t Afford to Use Insurance They Own March 30, 2015
    One in three Americans have delayed medical treatment for themselves or a family member because of cost. Many patients, 25% of the non-elderly, don’t have enough cash to cover a mid-range deductible of $1,200-$2,400. These patients need to shop around …
  • Third Party Free Medical Practice Case Studies March 28, 2015
    Dr. Kathy Brown, Jack Brown, and Dr. Keith Smith speak at the 69th Annual Meeting of AAPS, September 2013. http://www.oregonderm.com/ & http://surgerycenterok.com
  • A Tale of 2 Prices…or 3?‏ March 27, 2015
    by Ralph Weber About a year and a half ago, Perry Hunt needed a hip replacement. He had been in constant pain for years and owned a construction company, and could not afford to take the 6 months off that …
  • Tisha Casida interviews Ralph Weber: Free Market Solutions to Healthcare March 25, 2015
    Tisha Casida with Rebellion.life interviews CEO of MediBid, Ralph Weber, about his work educating the public and the government about common sense health care solutions. MediBid is an online marketplace with true transparency, listing not only prices, but qualities and …
  • Small Business Coverage Uncertain Future with Association Health Plans March 23, 2015
    For the last 20 years, small businesses in Washington state have relied heavily on associations and trusts to provide healthcare insurance for their workers at lower cost than in the open market. The system is popular and works well, a …
  • Outpatient Surgery Saves Patients Time and Money March 20, 2015
    The death of Joan Rivers after a routine procedure has some asking about the safety of outpatient surgical centers. First off, it is important to make sure to know if you are a good candidate for surgery and what to …
  • Study Finds Hormones Can Help Younger Women Through Menopause March 18, 2015
    Hormone replacement therapy used to only be given to women who had completed menopause, relieving hot flashes, sleeplessness, and other symptoms. In 2009, about 8 million women used HRT, most over the age of 60. A recent Cochrane review finds …
  • Retail Health Care Clinics Multiply with Increasing Demand March 16, 2015
    Integrated care facilities offer primary care, specialty services, labs, and diagnostics all under one roof. These clinics follow a model common in Latin America. This consumer-focused type of providing medical care is gaining in popularity and increasing in number since …
  • Avoiding Caregiver Burnout March 13, 2015
    Over 43.5 million Americans care for older parents, grandparents, spouses, or other loved ones. Most family caregivers are spouses or children. The demands of caregiving can be overwhelming and can take a toll on your health, relationships, and sanity – …
  • It is Safe to Assume They Lie March 11, 2015
    by G. Keith Smith, MD I laugh every time I see headlines bragging about the number of people enrolled in “Obamacare.”  What choice to people have, after all?  ”Buy this crappy insurance plan (that you wouldn’t buy unless you were …
  • FinalHayes1 March 11, 2015

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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