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  • Are Eggs Good for You? 30 Reasons to Eat Eggs April 18, 2014
    Eggs have gotten a bad rap in the past and unfortunately, many today still believe the wide spread misinformation. Are eggs good for you? Do they cause heart disease? Do they raise cholesterol? Should I avoid them? Depending on who …
  • The Commercial Gym – A Little House of Horrors April 16, 2014
    by Lee Kurisko, MD I’m was on vacation a week ago in Florida.  I was more than happy to vacate Minnesota that week.  Despite being the first week of April, Minnesota is still getting snow.  My kids are teenagers so …
  • The Difference Matters: Dick Morris Interviews Jan Iverson April 15, 2014
    Jan Iverson speaks to Dick Morris, on April 14, 2014, about citizen-led efforts to hold Hillary Clinton accountable for the Benghazi cover up.
  • Arkansas Surgical Hospital Ranked Among Most Affordable in Statewide Study April 14, 2014
    San Francisco (April 9, 2014) – NerdWallet Health, a website that empowers consumers to make better decisions about healthcare and insurance, has found the ten most affordable hospitals in Arkansas – and North Little Rock-based Arkansas Surgical Hospital ranks sixth. …
  • Costa Rica Vacation & Medical Check-up Special April 11, 2014
    5 Days and 4 Nights Package to Costa Rica is available for $1899! It includes over 25 individual laboratory tests and scans to provide a thorough Biochemical assessment of your health, as well as 2 day tours in the area! …
  • MediBid Safe From Heartbleed Bug April 10, 2014
    As I’m sure most of you have heard, an encryption flaw in the OpenSSL cryptographic software library has inadvertently caused one of the biggest security threats ever seen on the internet. The OpenSSL cryptographic software library is used to secure …
  • Dr. Jeffrey Gallups Interviews Ralph Weber about MediBid April 9, 2014
    MediBid does what the government and politicians have been unable to do — offer low medical costs and choices.  MediBid was initially developed for Canadian patients on medical waiting lists.  Employers were interested in the model to provide benefits for …
  • The three most dangerous poisons to never eat, drink or inject again April 5, 2014
    Episode 2 of “Awakenings” with the Health Ranger reveals the 3 most insidious poisons you should NEVER eat, drink or inject again! Hear more episodes of Awakenings at NaturalNews.com
  • How to live GMO-free – Awakenings with the Health Ranger April 4, 2014
    Important tips on how to live a GMO-free life. Get Monsanto out of your food and off your back!This is episode 1 of the Health Ranger’s new series “Awakenings.” See more Awakenings episodes at NaturalNews.com
  • The Road to Serfdom is Paved with Good Intentions April 2, 2014
    by Marilyn M. Singleton, M.D., J.D. What do TSA groping, NSA data-mining, and mercury-laced fluorescent light bulbs have to do with keeping your doctor? They are the products of seductively entitled but flawed laws. As Daniel Webster said, “good intentions …
  • The Patient Physician Relationship Under ObamaCare April 1, 2014
    AAPS Capitol Hill Briefing: March 27, 2014 Currently there is a lot of discussion regarding health care exchanges and access to insurance. However, insurance is not care. Even if the exchanges are eventually fixed, they cannot assure access to care. …
  • After three years, Edison woman’s life is getting back on track March 31, 2014
    Debbie Pasnak suffered several broken bones in a fall, but Medicaid denied her the medical procedures she required for treatment. Medicaid kept her waiting for surgery in hospitals and rehab centers for three years. Eventually, her friend told her about …
  • If You Like Your Scam, You Can Keep It: the Attack on Out-of-Network Doctors March 28, 2014
    by G. Keith Smith, MD A patient who wanted to have a procedure at our facility asked us to file insurance. We discovered that if she had her surgery at our facility rather than at an “in network” hospital, her …
  • Doc discovers Obamacare’s shocking, dirty secret March 26, 2014
    by Lee Hieb, MD I am being impacted in many ways by the Patient Protection and Affordable Care Act, or, to give credit where credit is due, “Obamacare.” But the most stunning attack on my person came this month in …
  • Webinar: MOC Update, Paul Kempen, MD, PhD & Ken Christman, MD March 26, 2014
    Learn more at http://ChangeBoardRecert.com. “MOC, MOL, OCC and now C-MOC Beyond mere Board Certification” Presented March 23, 2014 by Paul Kempen, MD, PhD with intro by Ken Christman, MD.
  • Free Markets in Healthcare Aren’t “Broken” – Just Not Allowed to Work March 24, 2014
    by Elizabeth Lee Vliet, MD Democrats excel at “message discipline”—sticking to talking points whether their script is factually correct or not. Repeated often enough, the script becomes “truth.” Democrats’ script says: “The U.S. healthcare system is broken. Free-markets didn’t work; …
  • 2014 03 23 13 02 MOC Update March 24, 2014
  • A Better Way to Save $1 Trillion March 21, 2014
    Cutting back on national medical spending would save money, but the quality of patient care would decrease and waiting times would increase.  These are the problems other countries are having.  Money is saved by creating a free market in medical …
  • Secrets to blocking mercury: Top foods that capture dietary mercury March 19, 2014
    Mike Adams visits The Robert Scott Bell Show and reveals a number of botanical strategies to block absorption of dietary mercury!
  • When Health Care Providers Compete March 19, 2014
    Vicki Burns needed a hip replacement and didn’t have insurance.  Her husband discovered MediBid and submitted a request for surgery.  She received her procedure – all-inclusive – for $30,000 less than her local hospital quoted her.  MediBid’s price transparency creates …

Medicare Alternatives

by Tess St. Clair

People ask me all of the time about alternatives to Medicare. With the $700 billion dollars in Medicare cuts looming on the horizon as a result of PPACA, seniors are legitimately concerned.   Do yourself a favor, BEFORE you become Medicare eligible and fall victim to the system, and read the Medicare doctrine!

Once you are eligible for Medicare, your premium for Part A (Hospital coverage) is taken right out of your Social Security Benefit. Part B (Doctors’ Office Coverage), however, is voluntary. On the surface, one would think that Plan B covers less risk, but in a case of Chemotherapy, the risk covered by Plan B is substantial.

There are GAP policies available to cover excess charges to a set limit, which can help as well.  However, more and more, these policies are getting so expensive, makes you wonder why you should feel compelled to buy one, if Medicare is so great.  I mean, in a traditional PPO with 80/20 co-insurance, do we buy GAP policies to pay for the additional 20%?

Insurance brokers are required to take the course on Medicare, and believe me, I’m glad I did.  What I learned is that Medicare does not resemble the same Medicare from 1980’s.  It looks more like Canada Health, under which it is illegal for patients to pay a doctor!  Doctors’ hands are tied under Medicare, and they are not allowed to discuss medical options that are not covered by Medicare.  So, if you find a lump in your breast, get ready for a mastectomy because lumpectomy may not be covered!  Furthermore, with reimbursement levels so low, many doctors have stopped taking new Medicare patients and are slowly getting out of their contracts.  I can’t say I blame them.  It’s not just about how little they’re being paid, it’s that they can’t do their jobs and focus on true healing.  It is about being a government servant, not even a public servant, but a government servant!  They cannot be real doctors; they can only do what the government tells them they can, and face the consequences if they dare do otherwise!

By FAR, the best alternative to Medicare is to have private coverage, but not all private plans are “first payers” before Medicare. Generally your employer health plan must have 20 or more employees on it, and your employer must have chosen to have the plan as first payer before Medicare.

If you belong to a professional association that offers members the luxury of an Association Health Plan (AHP), they can design the plan so that it is the first payer, and Medicare is second.  I say “luxury” because AHPs allow bundling of many small employers with large employers of the same profession, and so you all get the benefit of large group rates and a great deal of financial freedom because these plans are not administered by third-party payers like Blue Cross, Aetna, and UHC.  Rather, the claims are managed by Third Party Administrators (TPAs). These plans almost always have substantially lower administrative costs.  By substantially, I mean 7% compared to 20% for small group plans.  Additionally, they are not governed by the State Department of Insurance; they are governed by ERISA, a Federal law, because these plans may cross state lines.  WOW!  Talk about buying insurance across state lines!

If you belong to a professional trade association, and they don’t offer you the luxury of a multi-employer, refund-of-premium plan as one of the member benefits, it could be because of the state that the association is located in or because the association is not a Federal 501 non-profit organization (state not for profit doesn’t count) that has been in existence for more than 3 years.  Other than that, there’s hardly any reason for your association not to have an AHP, or at least to look into it.

These plans are true insurance, not these pre-paid health plans that most people are familiar with.  The formula looks like this:

Pure cost of insurance + administration + commission = premium

At the end of the year, whatever is left in the Pure Cost of Insurance fund is reimbursed or rolled into the next year to pay premiums.

Tess St. Clair is the VP of Benefits Administration at Route Three Life Health Disability, Inc.



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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