Not To Worry, M4A (Medicare For All) Will Happen Soon.

“Socialism,” Schmocialism…

Will M4A (Medicare for All) happen?

Yes, without a doubt.

Why?

It’s in the BEST INTEREST of the Insurance Companies’ bottom line.

THEY are the ones driving M4A.

Point out JUST ONE example where they have publicly stated that they oppose M4A.

You can’t.

Why not?

Because they don’t.

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Researchers analyzed annual corporate filings with the federal Securities and Exchange Commission, known as 10–K reports, for the five largest for-profit commercial insurers. Data are for 2010 through 2016, which includes 3 years before the ACA’s major insurance reforms and 3 years following them.

The five largest commercial insurers together enroll 43% of the insured population, and they increasingly rely on their Medicaid and Medicare business for growth and profitability. Federal and state governments could potentially improve access to coverage by requiring insurers that participate in Medicaid or Medicare to also participate in the marketplaces in the same geographic area.

The 5 largest US commercial health insurance companies together enroll 125 million members, or 43% of the country’s insured population.

Over the past decade those insurers have become increasingly dependent for growth and profitability on public programs, according to an analysis of corporate reports.

“Despite reported losses in insurers’ individual-market business, corporate reports reveal healthy profitability and strong revenue growth overall, with other market segments — including Medicare and Medicaid — offsetting losses. The data underscore a growing mutual dependence between public programs and private insurers.”

In 2016 Medicare and Medicaid accounted for nearly 60% of those companies’ health care revenues and 20% of their comprehensive plan membership.

• Medicare and Medicaid business grew faster than other segments between 2010 and 2016, doubling from 12.8 million members to 25.5 million across all five firms. By 2016, the carriers accounted for 52% of the Medicare Advantage market. Medicaid enrollment also doubled (7 million to 15 million).
• Despite experiencing losses in the individual market, 4 of the 5 (with the exception of Humana) reported that pretax profits either held steady or increased from 2013 through 2016, the first three years of the ACA’s individual-market reforms.
• Profit margins had declined between 2010 and 2013 (prior to ACA implementation) before stabilizing between 2014 and 2016 (with the exception of Humana), as individual-market losses were offset by gains in other segments.

In 2016, Medicare and Medicaid accounted for 59% of combined U.S. revenue for the 5 largest insurers, more than doubling since 2010, from $92.5 billion to $213.1 billion.
• Collectively, the 5 insurers’ membership grew by 23 million (23%) from 2010 to 2016, with 4 of the 5 growing by at least 20%. This was more than double the increase from 2005 to 2010, the five years leading up to the ACA’s passage.
• The stock prices for all five insurers cumulatively increased more than 200% from 2011 to 2016.

Medicaid and Medicare have been a key source of membership growth for the five insurers, with plans strategically positioning themselves to enter or expand in these markets. For example, when Anthem purchased Amerigroup in 2012, it more than doubled its Medicaid membership while expanding into 20 new states.

UnitedHealthcare, meanwhile, expanded into Medicare by partnering with AARP to offer Part D prescription coverage and buying regional plans that had Medicare Advantage business.

At the same time, these insurers have exited a number of state ACA marketplaces, citing financial uncertainty. To stabilize insurance markets across all segments and ensure consumer access to plans, the authors say, federal and state law could require any carrier participating in Medicare or in state Medicaid programs to also offer individual-market plans in those geographic areas. Such “tying” requirements would make it more difficult and costly for plans to jump in and out of markets.

Although headlines have focused on

What is socialism?

Socialism is when the government controls the means, and the method, of production.

In essence, socialism is a “government factory.”

But let’s examine some things that could be claimed are “socialist.”

Money.

The coinage and currency in your pocket is made by the United States government upon government-owned machines – stamping mills, and presses, with government-owned metals, government-owned paper, and government-owned inks.

But it’s not socialist.

Why not?

Because

Which is more important – money, or life?

One again, Republicans are demonstrating their lackadaisical reckless attitude toward human life, and thereby proving that they care little, if anything, about Americans of any stripe.

Whether young, old, infant, geriatric, sick, healthy, able, disabled, veteran, civilian, Black, White, Hispanic, Asian, well-educated, poorly-educated, gay, straight, bi, gender non-conforming, or anything of all points in between – it makes no difference. Money is their god. The Almighty Dollar rules.

They and their feckless titular leader are forcing ALL Americans to bow before the altar of Mammon, sacrificing our wise elders, children, even the unborn, to the all-consuming selfish fires of commerce.

The radicalized members of the Party of Trump are your “Death Panels.” They are the very thing Republicans warned America which would happen if the PPACA were to become enacted — which is not even anything even remotely close to Single Payer/Medicare For All.

And yet, even though they’ve continually tried their damndest to kill the Patient Protection and Affordable Care Act (PPACA), aka “ObamaCare,” and every vestige of it since the day it was enacted on March 23, 2010, they’ve still not managed to come up with any alternative whatsoever.

Nada.

Bupkis.

Not only have the GOP’s dire predictions not come true, nor have they even remotely happened, but they’re still showing America what they think is TRULY important – money, money, money… MONEY!

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https://www.politico.com/news/2020/05/13/poll-coronavirus-reopen-trump-republicans-252726

Republican voters have undergone a significant shift on the coronavirus in a few short weeks.

A month ago, half of GOP voters said they were more worried about

Members of Congress: Virtual American Royalty… At Taxpayer Expense

Members of Congress as virtual royalty,
have raised their pay 9 times over 9 years,
but raised Minimum Wage only 3 times in 18 years.
While Congress now pays themselves almost
3x the Median Household Income,
since 2000,
Inflation has totaled 37.4%.
And with 72% subsidies, Employer Contributions,
and other
luxurious perks unavailable to the Average Citizen,
including full Retirement Vestment after 5 years,
and 72% subsidy for Healthcare Insurance in Retirement,
their Healthcare is practically free.
And you’re paying for it.
But yours is not.
And you’re paying for it, too!

Members first received $6 a day in 1789, today they get $174,000 annually, in addition to phenomenal perks, health insurance, and retirement… all at taxpayer expense.

Presently, Congress also gets:

Here’s Why, Despite Seeming Political Appearances, We Are Closer To Single Payer #Healthcare Than Many Imagine

In a recent exchange online dialogue with friends – some, whom to the casual observer would be diametrically opposed on many policy ideas – I was, once again, pleased to note that, despite the SEEMING APPEARANCE of differences, we share SIGNIFICANT common ground.

In fact, I have found that to be quite true with many, that when we move past the vitriolic venomous sport of castigating political candidates, and speak in respectful tones, patiently explaining the whys and wherefores of potential policy, we share many common bonds, and similar ideas.

For example, in response to a recent post of the story published by Pro Publica – Pressure Mounts on Insurance Companies to Consider Their Role in Opioid Epidemic – (https://www.propublica.org/article/pressure-mounts-on-insurance-companies-to-consider-their-role-in-opioid-epidemic) written by Charles Ornstein Oct. 19, 6:47 p.m. EDT – I enjoyed reading the following remarks, made toward the conclusion of the online dialogue:

Person A (Physician): “It is a shame our country can’t have

Can American Health Insurance Be Repaired?

Naysayers to the “public option,” or “single payer” health insurance plan claim that it’s “socialized medicine.” You know… much like what Military Service Members  – and their families – in the Army, Air Force, Navy and Marines have access to. And to be certain, the health insurance “money grab” came through Richard Nixon‘s signature on a bill written by  Massachusetts’ U.S. Senator Edward Kennedy… the Health Maintenance Organization Act of 1973.

Before that law was passed, it was ILLEGAL to profit from delivery of healthcare services. Now, we have avariciously rapacious Wall-Street masters slave driving the people for more and more and more and more profit. The greedy, never-ending quest for profits has quickly deteriorated the American healthcare delivery system, which was once a marvel of the world. Now, according to the World Health Organization 2000 report of its 191 member nations health systems, the United States ranked 37th in efficiency worldwide, while France, Italy, San Marino, Andorra, and Malta round out the top five most efficient nations for delivery of healthcare services. Japan ranks 10th, while the United Kingdom is 18th, and Canada is 30th. The United States is sandwiched in between Costa Rica, and Slovenia, respectively.

Truth be told – and it’s sad to say – there are probably as many corrupt Democrats as there are corrupt Republicans, neither of whom have the people’s best interests at heart, or in mind. Such ones’ solitary concern is with their own wallet, and how they can profit privately at taxpayer expense. That includes graft through directing contracts and business toward friends’ business interests.

Look at

BIG INSURANCE Companies Fear Single Payer For ONE Reason

A friend had shared the opening paragraph, upon which I remarked.

My response follows.

“At the risk of stating the obvious, I feel compelled to note that insurance companies do not exist to provide health care. They exist to make money. Big money. Big money at your time of greatest vulnerability. This happens by raising income as much as possible and limiting “risk” as much as possible. Now go ponder the implications.”

—/—

And that is the single greatest reason why a

Can We #RepealAndReplace #ObamaCare?

The Patient Protection and Affordable Care Act (PPACA, aka ACA, or more often as “ObamaCare”) might be analogized to an onion, insofar as:
1.) It has many layers, and;
2.) Peeling back the layers may cause tears.

Enacted in 2010, it has been decried primarily by Republicans, none of whom voted for the bill’s passage, either in the House, which approved it 219-212 with 34 Democrats voting “NO” – or in the Senate, which approved it 60-39 along party lines, with 1 Republican (Jim Bunning, KY) “Not Voting.”

The Patient Protection and Affordable Care Act contains nine titles, each addressing an essential component of reform:
1.) Quality, Affordable Health Care For All Americans
2.) The Role Of Public Programs
3.) Improving The Quality And Efficiency Of Health Care

4.) Prevention Of Chronic Disease And Improving Public Health
5.) Health Care Workforce
6.) Transparency And Program Integrity

7.) Improving Access To Innovative Medical Therapies
8.) Community Living Assistance Services And Supports
9.) Revenue Provisions

Immediate improvements through reform included:
• Eliminate lifetime and unreasonable annual limits on benefits
• Prohibit rescissions of health insurance policies
• Provide assistance for those who are uninsured because of a pre-existing condition

• Require coverage of preventive services and immunizations
• Extend dependent coverage up to age 26
• Develop uniform coverage documents so consumers can make apples to apples comparisons when shopping for health insurance

• Cap insurance company non-medical, administrative expenditures
• Ensure consumers have access to an effective appeals process and provide consumers a place to turn for assistance navigating the appeals process and accessing their coverage
• Create a temporary re-insurance program to support coverage for early retirees

• Establish an Internet portal to assist Americans in identifying coverage options
• Facilitate administrative simplification to lower health system costs

While no law is perfect – and the ACA is not perfect – there are provisions within it which many think worthy of keeping, notable among them, provisions for guaranteed coverage, prohibiting cancellation, extending dependent’s coverage, removing annual & lifetime limits,

Remembering Alabama OB-GYN Dr. Larry Stutts, MD, DVM

“Men more frequently require to be reminded than informed.”

-Samuel Johnson (1709-1784), Rambler #2 (March 24, 1750)

Dr. Larry Stutts, MD, DVM was elected as a Republican to Alabama State Senate District 6 in 2014 by a 70-vote margin. His 36-year-old patient Rose Church, RN died 10 days after giving birth in 1998 because he refused to order a $5 test, and sent her home from the hospital early.

After narrowly winning election in 2014 by 70 votes in Alabama State Senate District 6, Dr. Larry Stutts, MD, DVM, a Republican, immediately wrote a bill (SB289) to repeal Code of Alabama Title 27-48-2, commonly known as “Rose’s Law,” which unanimously passed the House & Senate and become law in 1999.

“Rose’s Law” was written in response to the death of Stutts’ patient, Rose Church, a 36-year-old Registered Nurse, who died of a heart attack 10 days after giving birth to a girl in 1998 at Helen Keller Hospital in Sheffield. A simple $5 test could have saved her life, but Stutts refused to order the test, and sent her home early.

“Roses Law” gave women in Alabama a legal right to remain in hospital for 48 hours after a normal live birth, 96 hours if the birth was Cesarean or presented a complication, and required health insurers in Alabama to pay for the stay.

Stutts’ bill (SB289) would have repealed “Rose’s Law,” and would have also repealed a State law requiring physicians to

End ObamaCare’s Health Insurance Monopoly

Fact is, “ObamaCare” – which is properly known as the Patient Protection and Affordable Care Act, or ACA for short – though it’s monikered with POTUS Obama’s name, was largely a Republican brainchild from the über-conservative Heritage Institution.

The cornerstone of the act is predicated upon two items which are the very heart of the act: 1.) Guaranteed Coverage, and; 2.) Community Rating.

In was, in essence

UNC Chapel Hill Research: Medicaid Expansion Helps Rural Hospitals

As of the date of this posting – Monday, 19 September 2016 – there are 19 states which have NOT Expanded Medicaid, and Alabama is one of those 19.

In alphabetical order, they are:

Current Condition of Medicaid Expansion
Has YOUR state expanded Medicaid?
Orange=NO

1.) Alabama
2.) Florida
3.) Georgia
4.) Idaho
5.) Kansas
6.) Maine
7.) Mississippi
8.) Missouri
9.) Nebraska
10.) North Carolina
11.) Oklahoma
12.) South Carolina
13.) South Dakota
14.) Tennessee
15.) Texas
16.) Utah
17.) Virginia
18.) Wisconsin
19.) Wyoming

 

 

 

 

 

Lack Of Medicaid Expansion Hurts Rural Hospitals More Than Urban Facilities

By Shefali Luthra September 7, 2016

It isn’t news that in rural parts of the country, people have a harder time accessing good health care. But new evidence suggests opposition to a key part of the 2010 health overhaul could be adding to the gap.

The finding comes from a study published Wednesday in the journal Health Affairs, which analyzes how the states’ decisions on implementing the federal health law’s expansion of Medicaid, a federal-state insurance program for low-income people, may be influencing rural hospitals’ financial stability. Nineteen states opted not to join the expansion.

Rural hospitals have long argued they were hurt by the lack of Medicaid expansion, which leaves many of their patients without insurance coverage and strains the hospitals’ ability to better serve the public. The study suggests they have a point.

Specifically, the researchers, from the University of North Carolina Chapel Hill, found that

McFat Like Me: Wanna’ Soup Or Size That?

McD’s began rationing French Fries Wednesday morning, December 17, at it’s 3100 Japanese locations as an emergency airlift of 1,000 tons of spuds and an extra shipment by sea from the U.S. East Coast set sail.

Industrial Food Manufacturer McDonald’s continues to spread diet-related disease internationally. 
Getty Images

The highly processed frozen spuds are deep-fryer ready, and a leading U.S. export. Folks in the Land of The Rising Sun love their French Fried spuds, and eat more than 300k tons of the imported American tuber annually, according to USDA figures. Of particular note, most of Japan’s locally grown potatoes are eaten fresh.

McD’s continually denies any responsibility, role or contribution to increased obesity, either in America, or abroad where they conduct business. But increased rates of Japanese obesity, diabetes, and metabolic syndrome, suggest not conspiracy, but wanton disregard for, if not flagrant violation of, Japan’s Ministry of Health 2008 ‘Metabo Law’ that requires men to maintain a waist line less than 33.5 inches and women less than 35.4 inches.

A McDonald’s in Japan

The American Fast Food Industry was introduced to Japan in the 1970’s, and since then, consumption of rice in the daily Japanese diet has decreased and been replaced by bread, meat, dairy products, hamburgers, French fries, milkshakes and doughnuts.

Similarly to America, one of the time-honored Family Values of enjoying freshly prepared food at home has declined, and consumption of Industrially Prepared Food, and use of video games has risen.

Even though the Japanese diet still includes much more fish having omega-3 fatty acids, the adoption of a more ‘Western Diet’ is causing health problems. O3FAs are thought to protect against heart disease, and on average, the Japanese eat much less food high in saturated fat than Americans.

The Japanese government has quickly acknowledged the damaging health effects of Industrialized Food Production, which is known as the Standard American Diet, and has moved to disincentivize their citizens from becoming obese like Americans.

Japanese people have historically enjoyed a high life expectancy, very nearly 80 years, although in recent years, their increase in longevity has slowed to 1.2%. The Japanese health care system provides Universal Coverage primarily through local government or employer insurance, and the system is foreseeing dire financial trouble because chronic diseases like diabetes, cardiovascular disease, obesity, high blood pressure, high glucose levels and cholesterol will significantly burden the system.

As the Japanese population ages and their health begins to deteriorate, the workforce will not be large enough to cover those health costs. The government sees an opportunity to cut costs by lowering rising obesity.

cnbc.com/id/102275074

bu.edu/themovement/2011/05/29/the-fats-on-fire

More Hobby Lobby Store Hypocrisy: Investigation finds close ties to creepy resigned Southern minister sex molester

This just gets creepier and creepier.

In light of these recent revelations, perhaps the SCOTUS might want to vacate their decision.

—

https://www.motherjones.com/politics/2014/07/hobby-lobby-bill-gothard-institute-basic-life-principles/

Hobby Lobby Funded Disgraced Fundamentalist Christian Leader Accused of Harassing Dozens of Women

By David Corn and Molly Redden | Wed Jul. 2, 2014 6:00 AM EDT

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Social Title:

Hobby Lobby funded disgraced fundamentalist Christian leader accused of harassing dozens of women

For a decade or so, Hobby Lobby and its owners, the Green family, have been generous benefactors of a Christian ministry that until recently was run by Bill Gothard, a controversial religious leader who has long promoted a strict and authoritarian version of Christianity. Gothard, a prominent champion of Christian home-schooling, has decried [1] the evils of dating, rock music, and Cabbage Patch dolls [2]; claimed [3] public education teaches children “how to commit suicide” and undermines spirituality; contended [4] that mental illness is merely “varying degrees of irresponsibility”; and urged wives to “submit to the leadership” [5] of their husbands. Critics of Gothard have associated [6] him [7] with Christian Reconstructionism [8], an ultrafundamentalist movement that yearns for a theocracy, and accused [9] him of running a cultlike organization. In March, he was pressured to resign [1] from his ministry, the Institute in Basic Life Principles, after being accused by more than 30 women of sexual harassment and molestation—a charge Gothard denies.

More MoJo coverage of the Supreme Court’s Hobby Lobby decision.

• Hobby Lobby’s Hypocrisy: The Company’s Retirement Plan Invests in Contraception Manufacturers [10]

• The 8 Best Lines From Ginsburg’s Dissent [11]

• Why the Decision Is the New Bush v. Gore [12]

• How Obama Can Make Sure Hobby Lobby’s Female Employees Are Covered [13]

• Hobby Lobby Funded Disgraced Fundamentalist Christian Leader Accused of Harassing Dozens of Women [14]

The Institute traces it origins to 1964, when Gothard designed a college seminar based on biblical principles to help teenagers. The ministry says [15] it was established “for the purpose of introducing people to the Lord Jesus Christ” and to give individuals, families, businesses, and governments “clear instruction and training on how to find success by following God’s principles found in Scripture.” The group, which operates what it calls “training centers” across the United States and abroad, says more than 2.5 million people have attended its paid events, which have brought in tens of millions of dollars in revenue. Gothard and the Institute have drawn support [16]from conservative politicians, including Mike Huckabee, Sarah Palin, and former Georgia Gov. Sonny Perdue. The Duggar family, the stars of the reality show 19 Kids and Counting, have been high-profile advocates [17] of Gothard’s home-schooling curriculum and seminars. (One of Gothard’s alleged victims has called [18] on the Duggars to break with Gothard and the Institute.) Don Venoit, a conservative evangelical who has long been a critic of Gothard, contends [19] that Gothard’s approach to Christian theology emphasizing obedience to authority creates a “culture of fear.” In 1984, Ronald Allen, now a professor of Bible exposition at Dallas Theological Seminary, observed [20] that Gothard’s teachings were “a parody of patriarchalism” and “the basest form of male chauvinism I have ever heard in a Christian context.” He added, “Gothard has lost the biblical balance of the relationship between women and men as equals in relationship. His view is basically anti-woman.”

According to the 79-year-old Gothard, the Greens and Hobby Lobby—which this week won a landmark Supreme Court case [21] with a decision ruling that the firm does not have to

GOP Governors Deny Healthcare to their Poor Citizens

GOP Governors Deny The Poor Health Care In Opposing Obamacare‘s Medicaid Expansion

December 28, 2012

Posted: 12/28/2012 8:44 am EST | Updated: 12/28/2012 12:18 pm EST

Texas Gov. Rick Perry, right, and Louisiana Gov. Bobby Jindal in De Witt, Iowa, Tuesday, Dec. 20, 2011. Both Republican governors — along with those in Oklahoma, Alabama, Mississippi, Georgia, South Carolina, South Dakota and Maine — have rejected an expansion of Medicaid in their states. (AP Photo/Chris Carlson)

RUSTON, La. — With no health insurance and not enough money for a doctor, Laura Johnson is long accustomed to treating her ailments with a self-written prescription: home remedies, prayer and denial.

Over decades, she made her living assisting elderly people in nursing homes in jobs that paid just above minimum wage and included no health benefits. So even as her feet swelled to such an extent that she could no longer stuff them into her shoes, and even as nausea, headaches and dizziness plagued her, she reached for the aspirin bottle or made do with a teaspoon of vinegar. She propped her feet up on pillows and hoped for relief.

“Before I got sick,” she said, “I hadn’t been to the doctor in 20 years.”

After she collapsed last year and landed in in a local emergency room, doctors diagnosed her with congestive heart failure, high blood pressure and hypothyroid. They ordered her not to work. She arranged a Social Security disability benefit, and she enrolled in Medicaid, the government-furnished insurance program for the poor. She used her Medicaid card to secure needed prescription medications. Her ailments stabilized.

But this year, the state determined that the $819 a month she draws in disability payments exceed the allowable limit. By the federal government’s reckoning, her $9,800 annual income made her officially poor. But under the standards set by Louisiana, she was too well off to receive Medicaid.

This is how Johnson, 57, finds herself back amid the roughly 49 million Americans who lack health insurance. This is why she must again reach into her pocket to secure her prescription drugs, a supply that runs about $200 a month. That sum is beyond her, so she has gone more than four months without taking her pills on a regular basis. Once again, her feet are swelling and her chest is filling with fluid. Once again, she is confronted with the realization that a lifetime of labor does not entitle her to see a doctor any more than it enables her to gain crucial medications.

“It just doesn’t seem right to me,” she said. “It just doesn’t seem fair.”

Johnson is precisely the sort of person who is supposed to

Corporate Citizens Discover Bad-Mouthing Policy is Bad for Business

Papa John’s, Applebee’s And Others Pay Huge Price For Anti-Obamacare Politicking

Op/Ed

12/04/2012 @ 5:18PM

by Rick Ungar, Contributor

Writing from the left on politics and policy.

LAS VEGAS, NV – APRIL 01: Papa Johns Pizza Founder John Schnatter arrives at the 47th Annual Academy Of Country Music Awards held at the MGM Grand Garden Arena on April 1, 2012 in Las Vegas, Nevada. (Photo by Jason Merritt/Getty Images)

It turns out that being a good corporate citizen is as important to selling pizzas as the thinness of the crust or the quality of the cheese.

If you don’t believe it, just ask Papa John CEO, John Schnatter.

As covered—and criticized—in this column in great detail, Mr. Schnatter decided to mix his politics with his pepperoni when suggesting that he would be cutting the work hours for Papa John employees in order to bring them below the 30 hour per week threshold that would require Schnatter to provide his employees with healthcare benefits.

It turns out, the pizza eating public did not approve.

Indeed, so serious was the reaction that Schnatter was forced to publish an op-ed piece where he sought to convince us that he never really intended to cut back worker hours but had simply been speculating on what he might do in response to the legislation.

According to YouGov BrandIndex,  a leading marketing survey that measures brand perception in the marketplace (called “Buzz”), Papa John’s had good reason for concern as the pizza chain’s brand identity has plummeted from a high of 32 on election day, to a remarkably low score of 4 among adults who have eaten at causal dining restaurants during the past month.

Ouch.

Papa John is not alone in his anti-Obamacare misery.

Fast food server, Applebee’s, possessed a healthy Buzz score of 35 before Zane Terkel, CEO of one of the company’s largest franchisees, appeared on television to

The Theory of Everything

I’m elated to learn that there is a “Theory of Everything.”

As I delved further into it, I found that

Research: Health Insurance Costs Grew Less in 2012 since 1997

At the time of publication of this report – September 2011 – the complete data was not in. However, initial results indicated that cost containment was well under way.

The news is good!

ObamaCare is WORKING!

However, much additional work remains to be done.

—

Latest survey finds health benefit cost growth for 2012 likely to be the lowest in 15 years

United States , New York
Publication date: 21 September 2011

Early responses from a Mercer survey still in the field suggest that the average growth in health benefit cost will slow to 5.4% in 2012, the smallest increase since 1997. Still, cost growth remains well above both general inflation and growth in workers’ earnings (see Fig. 1).

 While this increase reflects cost-cutting changes employers will make to their current health benefit programs, such as raising deductibles or moving employees into lower-cost health plans, the preliminary survey findings released today by Mercer suggest that the underlying trend has slowed as well. Asked how much cost would rise if they made no changes to their current plans, employers reported an average increase of 7.1%. Over the past five years, this underlying health benefit cost trend has been running at about 9%.

The slower trend is good news for workers, because an employer’s first line of defense against a high initial renewal rate typically is to change plan provisions so that employees pay more out of pocket for health care. If the underlying trend is lower to begin with, employers will be likely to shift less cost. For the past several years, employers have reduced their initial renewal rate by about 3 percentage points on average; in 2012, they are planning to reduce it by about 2 points (Fig. 2).

These results are based on

Census Bureau: Household Income Inequality Increases

Can anyone say “Banksters”?

—

Highlights From Census Report on Income, Poverty and Health Insurance

September 12, 2012, 11:00 AM, By Ben Casselman

The Census Bureau today released its annual report on income, poverty and health insurance, the most detailed look at Americans’ household income. A few early takeaways:

Real income fell

The lost decade continues. Median household income, adjusted for inflation, fell 1.5% in 2011, to $50,054. That’s 8.1% lower than before the recession and 8.9% lower than in 1999.

Inequality rose. Income inequality, as measured by the Gini index, rose 1.6% in 2011 from 2010, the first annual increase since 1993. Other measures of inequality also increased. The top 5% of earners—those making $186,000 or more—received 22.3% of all income in 2011, up from 21.3% in 2010.

Urban residents took the biggest hit to income. Households in principal cities saw their inflation-adjusted income decline by 3.7% in 2011, versus a 2.2% decline for those living in metropolitan areas (including both cities and suburbs). Incomes for those living outside of metropolitan areas were broadly flat. But

Is Obamacare a Government Takeover of Medicine?

The truth speaks for itself.—

Carolyn McClanahan, Contributor

Physician/Financial Planner. I discuss all things money and medicine.

8/28/2012 @ 10:32PM

The purpose of this blog is to educate non-policy wonks on the content of the Affordable Care Act, discuss the practical logistics of how the law will be implemented, and share my perspective on potential “good” and “bad” of the law. The law is far from perfect, but it is the most significant attempt our country has ever made at reforming our costly and inefficient health care system. In case you are a reader who thinks the entire law is “bad,” I implore you to learn about the ten sections of the law in this previous post.

In addition to speaking gigs, I also do “talk radio” about once a month. The questions I’m asked give some indication of where education on the ACA is lacking. One refrain I’ve heard over and over is that Obamacare is a “government takeover” of medicine. This post explores that concept.

“Government takeover” fears seem to take on several different variations.

• Medicine will be a government run entity – doctors will be employed by the government and care will be paid for by the government.

• All of the doctors will be employed by the government, but insurance companies will still exist.

• The government will dictate what doctors can and cannot do.

• The government will make it so onerous to practice medicine that everyone will quit.

• If the government has one iota of involvement in any form, it is a government takeover.

So what really happens with the Affordable Care Act?

Americans Love/Hate “ObamaCare”

Does that surprise anyone?

People don’t like being told what to do.

They naturally buck against any system – no matter who or what – that tells them what to do, or how to do it. And yet, we know that civil society abides by rules and regulation which govern every aspect of our lives from the cradle to the grave. We must abide by rules as we grow. In fact, we’re introduced to regulation and rules by our parents who punish us when we disobey them. To hear “NO! Don’t do this, do that this way,” are all common in childhood.

But hopefully, we outgrow childhood and transition through that elongated period of pseudo-adulthood called the “teenage years,” and successfully become responsible adults, and abide by laws, rules, regulations galore… ranging from civic laws, to employer policy, procedure and more. And then, we make more laws, rules, regulations, policy and procedures. It’s a never-ending cycle.

The gist of all, is that by following rules and regulations, we demonstrate personal responsibility, and accountability to others. And rarely is that ever an impediment to progress, or a harm to our neighbor.

So naturally, when we hear or see of someone having a knee-jerk reaction to anything, we can almost immediately discount most – if not all – of what they say, simply because of their radical overreaction. And so it is with the Patient Protection and Affordable Care Act (PPACA), which is often misnomered as “ObamaCare.”

The PPACA actually contains more policy and regulation of Big Health Insurance companies‘ egregious practices than it does anything else.

For example,

• It is now illegal for Health Insurance Companies (HICs) to deny coverage based upon “pre-existing conditions” for children and adults.

• It is now illegal for HICs to charge women more for health insurance than they do men.

• It is now illegal for HICs to refuse payment for services rendered by physicians, hospitals or pharmacies simply because the insured person inadvertently forgot to dot an “i” or cross a “t” on an application.

• It is now illegal for HICs to use the majority of healthcare insurance premiums to pay for overhead expenses including executive compensation, stockholder payout, overhead office expenses, advertising, or any other expense UNRELATED to the delivery of healthcare. Now, they must use 80% of premiums to pay for healthcare.

• It is now illegal to deny family coverage for a child simply once they reached aged 18. HICs are now required to continue coverage to children up to age 26 if they are still enrolled in school.

Page 6 from “Assuring Affordable Healthcare for All Americans,” by Stuart M. Butler, Ph.D., The Heritage Foundation, 1989, ISSN 0272-1155

 

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Most Americans oppose health law but like provisions

(Reuters) – Most Americans oppose President Barack Obama’s healthcare reform even though they strongly support most of its provisions, a Reuters/Ipsos poll showed on Sunday, with the Supreme Court set to rule within days on whether the law should stand.

Fifty-six percent of people are

Health Insurance Rebates – i.e. overcharges you paid for Health Insurance Premiums – on their way back into your wallet, thanks to “ObamaCare”!

A HUGE aspect of “ObamaCare” deals with regulating Health Insurance companies, and one aspect of that business regulation REQUIRES them to use 80% of the premiums for Health Insurance on… HEALTH! Not overhead expenses, not executive compensation, not stockholder payout, not office expenses, not advertising… but HEALTH!

What a novel idea, eh?

As a result, folks are now discovering just how much they’ve been screwed over by Insurance companies.

Remember… those folks DO NOT LOVE YOU.

They LOVE MONEY, and they want yours.

So, they play to your emotions by showing kitty cats, puppy dogs, babies, children, grandma and happy folks as seen through rose-colored glasses & soft-focus filters.

And then, you fall for their seductive pictures.

Once they have their meat-hooks in your wallet, you’re a goner.

Pure & simple.

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U.S. health insurers to pay $1.1 billion in rebates: HHS

By David Morgan

WASHINGTON | Thu Jun 21, 2012 3:26pm EDT

(Reuters) – U.S. health insurance companies are due to pay out $1.1 billion in rebates to employers and individuals this summer, under a new industry regulation imposed by President Barack Obama’s health care law, the administration said on Thursday.

But whether the rebates actually reach those recipients depends on if the U.S. Supreme Court strikes down the 2010 Patient Protection and Affordable Care Act in a ruling expected by the end of next week, experts said.

Twenty-six U.S. states have asked the high court to

“Will that be cash, or charge?”: Many hospitals & doctors offer cash discount for care

Regular readers will recall the entry entitled “Q: Why do hospitals charge $75 for aspirin? A: Because they can.,” which was posted Wednesday, May 2, 2012.

In another venue, I had posted the following remark in response to the exorbitant healthcare costs, “It’s a simple concept, really. Anytime anyone gets in between you & who you’re buying from, it costs more. Insurance does that.”

And it’s true.

It’s not trite.

Let’s consider this example: You’re at the grocery store in the check-out line, about to pay for your groceries which have already been bagged and placed in your shopping cart. When the clerk announces the total, you have some strange feeling because the total is about ten times as much as you imagined.

When you double check the price of milk you find the sticker says $2.50/gallon, but your clerk rang up $25. You double check the price of frozen spinach. The sticker price says $1.37, but the clerk rang up $13.70. The chocolate was $4.50, but the clerk rang up $45.00. And the lean ground beef, instead of the posted $2.60/lb, the 5lb chub was… $130.00.

Talk about sticker shock!

You are aghast at the price, and in frustrated terms exclaim that “there is obviously some gross mistake!” – to which the clerk replies, “Let me check with your Food Insurance Agent,” picks up a phone beside the register, presses one button, and whispers into the receiver. 

Suddenly, out of a door leading to an inside office,

MDs abandon Family Care, NPs step up to Care

A long-term trend in medicine in the United States has been that medical school students continue to abandon Family Care and Rural Practice.

The corollary trend among Advance Practice Nurses & Nurse Practitioners – many whom must also pass National Board Certifications in their area of practice – has been to fill the void formed in the delivery of healthcare by physician abandonment. Typically, the argument given for such abandonment is pecuniary. That is, by the time the medical student graduates from medical school & residency to assume full and independent practice, their debt load is not merely burdensome or impractical, but almost wholly impossible to repay.

More recently, however, medical schools and public health authorities have acknowledged the error of allowing that deterioration and abandonment to occur, and have begun to promote Primary & Family Care among medical schools and their students. Such strategies include not merely the promotion of community and the advantages of rural independent practice, but include full-ride scholarships while in medical school.

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Nurse practitioners look to fill gap with expected spike in demand for health services

By Sarah Kliff, Published: May 12

President Obama’s health-care law is expected to expand health insurance to 32 million Americans over the next decade. Health policy experts anticipate that

“No doctor ever asked me questions like that before.”

From a holistic healthcare perspective, a problematic issue that remains a common thread among many healthcare practitioners is the notion that a patient is a collection of symptoms, problems to be solved, or diseases cured.

This is not some witchcraft mumbo jumbo hyperbole, akin to the fallacious notion that frequently accompanies “naturopathic” ideology, which itself is wholly without any merit, scientific or otherwise… save that some damn fools spend money on that snake oil peddled by unscrupulous vendors.

This simple idea is that we are an entire collection of things – emotions, thoughts, physiological symptoms and more – all work together to make us who we are. It’s kinda’ like asking the proverbial question, ‘which leg of a three-legged stool is most important?’

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The Simple Idea That Is Transforming Health Care

A focus on quality of life helps medical providers see the big picture—and makes for healthier, happier patients

By LAURA LANDRO

• Updated April 16, 2012, 1:32 p.m. ET

A very simple question is changing the delivery of medical care: How is your health affecting your quality of life? Laura Landro explains on Lunch Break. Photo: Robert Neubecker/WSJ.

A very simple question is changing the delivery of medical care: How is your health affecting your quality of life? Laura Landro explains on Lunch Break. Photo: Robert Neubecker/WSJ.

A very simple question is changing the delivery of medical care:

How is your health affecting your quality of life?

For decades, numbers drove the treatment of diseases like asthma, heart disease, diabetes, and arthritis. Public-health officials focused on reducing mortality rates and hitting targets like blood-sugar levels for people with diabetes or cholesterol levels for those with heart disease.

Doctors, of course, are still monitoring such numbers. But now health-care providers are also adding a whole different, more subjective measure—how people feel about their condition and overall well-being. They’re pushing for programs where nurses or trained counselors meet with people and ask

Healthcare Insurance policy holders to get rebate in FL

Thanks to “ObamaCare,” which requires health insurance companies to spend 80% of health insurance premiums on actual healthcare, instead of CEO compensation, stockholder payout, advertising, overhead, and other non-healthcare delivery, Floridians will be receiving a rebate from the money they were overcharged.

Thanks, President Obama!

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Florida health insurers to rebate estimated $113 M

Consumers with individual policies may get $143 to $949 each

April 13, 2012|By Bob LaMendola, Sun Sentinel

Floridians who buy health insurance without the help of an employer can expect estimated rebates of $143 to $949 in August because of the federal health care overhaul.

About 157,000 individuals and families qualify. In addition, an estimated $65 million in health insurance rebates are in line to be split among workers covered at 352,000 small businesses, the Sun Sentinel found by analyzing reports filed this month by 15 of the largest insurers in Florida.

Don’t expect cash back if you get health coverage from an employer of more than 50 workers. Few of their insurers will owe rebates, and many companies are self-insured and not affected by the health law, insurance experts said.

“This is important for consumers,” said Richard Polangin, health care policy coordinator with the advocacy organization Florida Public Interest Research Group. “They already pay extremely high prices for health insurance.”

Individuals don’t need to do a thing to obtain their money. Insurers must notify them by Aug. 1 if they are due a refund and pay that month.

The rebates

SCOTUS, PPACA & American Healthcare: Links from Days 1 & 2

Naysayers, conservative political pundits and Obama “haters” of all stripe – Radical Republicans, TEA Partiers, White Supremacists, Neo Nazis, et al – have vilified and unified against already-enacted federal legislation that foremost, regulates practices by the Health Insurance industry, such as denial of coverage for children born with certain health conditions, denial of coverage for women with breast cancer, cancelling coverage in the midst of medical treatment, exorbitantly raising premium rates without actuarial justification, denying payment for covered services deemed medically necessary and rendered by qualified physicians or others, and more.

Such practices have been rightly demonized and justly described as onerous by almost everyone, even by the most staunch conservatives. So it remains a great mystery why so many are seemingly straining against what they denigrate as “ObamaCare.”

At least two elements of the law – the so-called

Religion & Politics: Abundant Political Irony Examined – Sandra Fluke’s testimony supports Culture of Life

I’m not sure if you ever saw the actual video taped testimony of Miss Sandra Fluke.

I did.

Several times.

Not once did she ever mention herself.

Not even once.

The transcript of her testimony may be downloaded via Google Docs here: http://j.mp/GK9nqY

Anywho… when you think about it, it’s a strange irony that

Newt Gingrich supported Obamacare before he didn’t support Obamacare

Colloquially, of course, such behavior could be described as either ‘schizophrenic,’ ‘conflicted,’ ‘incompatible,’ or ‘contradictory’.

None of those terms are positive or encouraging. And certainly, none are like the sound of

Ending Obamacare

Among conservatives, there’s little argument that Obamacare should be abolished. ‘It’s time to get government out of our lives,’ they say.

They make many very valid points. Those same folks have expressed concerns that instead,

Congress Passes Socialized Medicine and Mandates Health Insurance

Does history repeat itself?

Before this article was published, I was engaged in conversation with a friend on a subject wholly unrelated to this topic. As I listened to him he remarked, “Heck, when you join the Army, if your teeth need fixing, they’ll fix ’em. If you need glasses, they’ll put glasses on you. If you need any kind of healthcare, they’ll fix you up. The reason the Army provides healthcare is because they understand they’ll get a better quality soldier.”

Interestingly, neither my friend nor his family have a military background.

By extension, I wonder… how much more productive could the American worker be if they didn’t have to be concerned about their and their family’s health and healthcare? And then, if we completely ignore “lifestyle” related health issues. i.e., those associated with smoking or obesity, there are other chronic conditions, including heart disease, hypertension, COPD, etc., that significantly adversely affect the lives of families.

Congress Passes Socialized Medicine and Mandates Health Insurance -In 1798
Jan. 17 2011 – 9:08 pm

Rick Ungar
The Policy Page

http://blogs.forbes.com/rickungar/2011/01/17/congress-passes-socialized-medicine-and-mandates-health-insurance-in-1798/

The ink was barely dry on the PPACA when the first of many lawsuits to block the mandated health insurance provisions of the law was filed in a Florida District Court.

The pleadings, in part, read –

“The Constitution nowhere authorizes the United States to mandate, either directly or under threat of penalty, that all citizens and legal residents have qualifying health care coverage.”

State of Florida, et al. vs. HHS – http://www.scribd.com/doc/39344827/State-of-Florida-v-United-States-Dept-of-HHS –

It turns out, the Founding Fathers would beg to disagree.

In July of 1798, Congress passed – and President John Adams signed

Insurance costs and health-care reform: Are health insurers making huge profits?

Are health insurers making huge profits?

Mar 5th 2010, 14:15 by M.S.

YESTERDAY Barack Obama dropped in on Kathleen Sibelius‘s meeting with executives of America’s top five health insurers and read a letter from a constituent. Natoma Canfield, a self-employed house cleaner, had carcinoma 16 years ago; it has been in remission for 11 years. Last year Anthem Blue Cross, who provide her with a high-deductible ($2,500) individual plan, raised her premiums 25%, to $6,075. This year they’re raising them another 40%, to $8,500. Ms Canfield  closes her letter, “Please stay focused in your reform attempts as I and many others are in desperate need of your help.”

There’s no doubt that the Obama health-care reform bill would

Sex, Drugs, and Rock-n-Roll

Periodically, friends and family come to me seeking understanding about various medical and health related issues, which often includes information about procedures and medications.

And on occasion, I continue to be asked to identify certain medications.

Particularly problematic are the numerous herbs and Over The Counter (OTC) non-prescription remedies that neither treat nor cure, yet proliferate and line the pockets of those unscrupulous enough to market and sell them to the unsuspectingly ignorant.

On one such occasion, I was asked by a friend to identify several foreign concoctions of apparent Asian origin, which I succeed in identifying, though I suspect I merely added levity to our communication. Fortunately, the request wasn’t anything of any seriously substantial nature.

It’s becoming more difficult to identify many items, though I count myself fortunate to have access to the numerous resources I do.

Here’s the text of my response. Perhaps you’ll find it enlightening.