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  • Beat the Summer Heat with Food July 29, 2015
    by Adrienne Snavely As we sit in the middle of summer, it seems as if the persistently sweltering heat will never end and the refreshing monsoon rains will never reach our doorstep. While waiting for the cooler days (and months) …
  • Thousands of Taxpayers Overpay Obamacare Tax Penalty July 27, 2015
    Over 300,000 Americans overpaid the IRS after indicating they did not have Obamacare-compatible health insurance. People who have household income below the threshold for the penalty are exempt from the individual mandate and should be refunded the amount, averaging $110, …
  • Eating Nuts Helps Your Heart July 24, 2015
    Nuts contain unsaturated fatty acids, which lower LDL cholesterol levels. Nuts also reduce the risk of developing fatal blood clots and improve the lining of your arteries. The type of nut isn’t that important, as most nuts are full of …
  • “Medjacking” is Real Possible Threat July 22, 2015
    Dr. David Armstrong, a podiatric surgeon and professor in the University of Arizona Department of Surgery, has joined forces with government security agencies to keep patients safe from medjacking. He is part of a cybersecurity committee for diabetes devices, which …
  • Ways to Handle Stress July 20, 2015
    Stress can be caused by many different situations, such as too much work, long lines, or heavy traffic. There are a few simple techniques to help you de-stress and unwind. 1. Positive Self-Talk We talk to ourselves both out loud …
  • A Remedy for Healthcare July 17, 2015
    This video is from a series called “Love Gov”, which personifies the government as an overprotective, possessive boyfriend who thinks he knows best for his dear Alexis. When it comes to healthcare, Gov thinks he needs to be involved in …
  • MediBid: A Free Market Fix – Interview with Ralph Weber at FreedomFest July 15, 2015
    Joe Thomas of WCHV, Charlottesville, VA interviews MediBid CEO Ralph Weber from FreedomFest in Las Vegas, NV July 2015. MediBid has doctors, surgery centers, and hospitals in ten countries. Most patients who use MediBid have employer-based and self-funded health insurance …
  • The American Heroin Epidemic July 13, 2015
    Heroin use in America traces back to the mid-1800s and is becoming more popular among people with historically low drug abuse. Prior addiction to prescription opioid painkillers is the strongest risk factor, making people 40 times more likely to start …
  • The Widowmaker: A Documentary Film July 10, 2015
    Award-winning documentary, The Widowmaker, has just been released on Netflix. It is the result of an Irish patient who discovered how the results of a heart scan saved his life and wondered why the test was not widely available. Cardiologists …
  • Brace Yourself: Large Health Insurance Premium Increases Coming 2016 July 8, 2015
    Health insurance companies want to increase their rates in the amount of 20-40% or more, since new Obamacare customers are sicker than expected. Blue Cross/Blue Shield plans hikes across the country of 23-54%. The insurance companies say that the increased …
  • Crowd-funding Helps with Medical Bills July 6, 2015
    Crowd-funding is growing as people work together to support projects such as charities, movie production, and now, paying medical bills. Indiegogo has seen an increase in personal fundraising for medical costs, so they started Indiegogo Life for personal purposes. Other …
  • A Healthy Body for Everybody – July Lab Specials July 3, 2015
    This is a great way to be proactive and keep up with your health as well as that of your loved ones. Women’s Health Check  $109 (Regular Price $179, Retail $823) This valuable package of laboratory tests is structured with …
  • Colonoscopies: Don’t Flush Your Money Down the Drain July 1, 2015
    Preventative medical procedures, such as colonoscopy, are now required to be covered by Obamacare health insurance plans, as well as the anesthesia it requires. What may be more uncomfortable than the procedure itself is the price of the bowel prep …
  • Taking Control of Your Medical Records June 29, 2015
    Leaving your health records solely in the hands of doctors and hospitals is a big mistake. This gives them too much power over your information and increases possibility for errors. When you are in control of your own records, you …
  • High Deductible Plans are Changing Patient Interaction June 26, 2015
    High deductible plans are changing where patients get medical care and how they pay for it. Once a bill exceeds 5% of household income, patients most likely cannot pay for it themselves. Major employers offer high deductible plans (an average …
  • Beet Juice Lowers Blood Pressure June 24, 2015
    A small study in London showed that drinking a cup of beetroot juice significantly lowered blood pressure in hypertensive patients within six hours. After 24 hours, their blood pressure remained lower than those in the control group. The benefits come …
  • Supreme Court Decision on Healthcare Subsidies to Come This Week June 22, 2015
    by Jane Orient, MD The Big Lie of ObamaCare is in the title: the Affordable Care Act. Administration officials invoke “affordable” over and over again. The U.S. Supreme Court could well blow the Democrats’ cover in King v. Burwell if …
  • Shopping While Hungry Leads to Poor Eating All Week June 19, 2015
    A study at Cornell University examined the food selections that a group of shoppers put in their virtual online grocery cart. The shoppers that had not eaten four or five hours beforehand selected 23% more processed junk food than those …
  • Long ER Waits Continue in Canada as Budget Cuts Increase June 17, 2015
    Lee Parker of Ottawa had to wait 48 hours in the Emergency Room before being admitted for heart attack complications. He watched other patients come in, but since there was no room for them, they lay on gurneys in the …
  • Health Benefits of Cucumbers June 15, 2015
    There are hundreds of varieties of cucumber and dozens of colors. Cucumbers are a fruit, not a vegetable, as most people think. They are a good source of phytonutrients with antioxidant, anti-inflammatory, and anti-cancer benefits. The peel and seeds are …

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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