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Thursday, December 5, 2013
OK Google Voice : "What is Lupus?"
Obamacare and Reimbursement Rates to Providers
"Covered California™ today announced 13 diverse health insurance plans that will offer in 2014, affordable, quality health care coverage to millions of Californians. The plans reflect a mix of large non- profit and commercial plan leaders, along with well-known Medi-Cal and regional plans.
The rates submitted to Covered California for the 2014 individual market ranged from two percent above to 29 percent below the 2013 average premium for small employer plans in California’s most populous regions. This is impressive since the 2014 products include doctor visits, prescriptions, hospital stays and more essential benefits; protecting consumers from the "gimmicks and gotchas" of many insurance policies. “This is a home run for consumers in every region of California,” said Peter V. Lee, Executive Director of Covered California. “Our active negotiating will not only benefit potential enrollees to Covered California, but will benefit all Californians by making health care affordable.” (No doubt that some of the rhetoric is self-serving for Covered California.)
Once plan rates are approved by state regulators, Covered California looks forward to signing final contracts and beginning the work of enrolling millions of Californians in the following health plans:
• Alameda Alliance for Health
• Anthem Blue Cross of California
• Blue Shield of California
• Chinese Community Health Plan
• Contra Costa Health Services
• Health Net
• Kaiser Permanente
• L.A. Care Health Plan
• Molina Healthcare
• Sharp Health Plan
• Valley Health Plan
• Ventura County Health Care Plan
• Western Health Advantage
"Covered California plans include the largest current health insurers in the individual market, as well as new entrants, regional plans and local Medi-Cal plans that want to be part of making history," Lee said. On average, there will be five plans from which to choose. Even in rural areas where choice has been historically sparse, there will be two or three health plans. Throughout the state consumers will have a choice of Health Maintenance Organizations (HMOs), Preferred Provider Organizations (PPOs) and Exclusive Provider Organizations (EPOs). To get prices at such competitive points, winning health plans built their bids around the expectation of high enrollment, not high profit. Plans reduced profit margins down to two and three percent; embraced Affordable Care Act programs such as Accountable Care Organizations and Patient-Centered Medical Homes, that seek to improve care while lowering costs; found common ground with doctors, medical groups and hospitals on lower reimbursement rates to make care affordable.
(Note that many items such as Accountable Care Organizations, and Patient-Centered Medical Homes are still in development, untested, and not yet operational. which all sounds like a replay of the failed rollout of Healthcare.gov. )
Virtually every health plan designed a custom network for Covered California. Negotiations included a detailed review of each plan’s rates, their mix of hospitals, physicians and other providers, and their contingency plans for expanding networks in the event more consumers sign up than expected. The current list of insurers is for individual policies only.
Covered California will announce its options for small businesses to buy health insurance in June. Providers who will be approved for Covered California will be required to agree to new contracts and new reimbursement rates. The real final participants will be told when the signed contracts are ratified. Until then, all predictions are just that. I have heard from sources that the rates, even for conventional coverage under Covered California will be unique and include a sizable decrease to providers. No mention has been made about Medi-caid rates increasing....and frequently that is not known until the first payments are received by providers."
On the provider side....looking in on Covered California and whether to participate, most providers remain very cautious, and some have a wait and see attitude delaying a decision for at least one year. In the current environment of lean reimbursements, and profit margins, there are few providers willing to risk their 'livlihoods' and solvency on unproven programs, rift with political promises and goals.
Previous experience with government programs have created a lack of faith and/or trust in government programs with private insurers only slightly behind.
Few providers can expand their patient base without increasing overhead or numbers of providers. Most providers are already near capacity to see patients, and will not feel the need to see this new group of patients.
The exact method of reimbursement, if it changes from fee for service to another model is unknown, and mechanisms are still not yet in place for that to occur, either.
Iin summary it seems foolish for any segment of health to promise success when each has it's own issues and challenges that are intertwined while heading to an 'unknown destination'.
Wednesday, December 4, 2013
Does Obama really want the Affordable Care Act to Suceed?
Ultimately the impending confusion and chaos will make the public demand universal payer or some type of total governmental health system. The current system is unsustainable regardless, and the ACA is no better. In terms of the initial success or failure of Healthcare.gov the ultimate result will be who has an insurance card on January 1, 2014. Obama and his administration's announcements how successful the HBX now is, and how many people have enrolled, there remains a large gap between enrolling on an unproven and a demonstrated unproven IT system.
Tuesday, December 3, 2013
Covered California
1. Although I had successfully registered a user name and password on my next attempt the website refused to accept my userid/password. The password retriever did not recognize the user name.
2. The chat online function does not work.
3. Wait times are very long, and at times the link time-outs
Most people do not have the time to sit all day to access a web site that is critical in their life.
I made an appointment to see a 'certified insurance agent'. and/or Enrollment Counselors
There are many' private insurance agents, and also several non profit enrollment counselors in my area.
The choices appear to be highly prejudicial against 'white Americans' with many Hispanic, Native American, and African American organizations dominating the selections. Some choices were in the Federally Qualified Community Health Centers.
President Obama's efforts minimize the role and availability of already existing agents to enroll patients in all health plans. His emphasis has been on producing jobs for unemployed by training inexperienced 'non-profit beneficiaries' in the process.
My observations are that although the Affordable Care Act is designed for poorer Americans there are also many middle class Americans (white, yellow, and black) that would benefit from enrollment help.
There is a wide divergence of opinion on how much improvement has taken place in the past month regarding the national HealthCare.gov website. Democrats appear to be in denial clinging to 'wait and see'. Even when confronted about the failings of the system they are unable to address answers to specific issues. Republicans have become more critical,and outright hostile, frustrated by the lack of Democratic response to criticism, even when based on fact and evidence.
The states who have formed their own HBX in lieu of the national HBX appear to be better off...however, early numbers are deceiving and subject to variance. Early numbers of enrollees may not reflect how successful the Affordable Care Act will be. These numbers will depend upon the numbers who actually pay the premiums. The majority of users have been enrolled in the expanded Medi-caid program, and that is another disaster waiting to happen.
Obamacare does not and will not forge a uniform health system in the United States. Rather it will create several different tiers with a large percentage falling into lesser quality programs, less hospital and provider access. It will serve to stress further the already dysfunctional overburdened medicaid programs.
Monday, December 2, 2013
THE FUTURE OF MEDICINE
Sunday, December 1, 2013
A Doctor's Perspective of Obamacare
Wednesday, November 27, 2013
ObamaCare--The End of Affordable Care
Monday, November 18, 2013
What They Said Before the Train Wreck: The Top 10 Worst Quotes Pushing ObamaCare
A train looking for a track. MRC A Media Reality Check.
If we truly want health reform, we need to rethink the process.
I did not have my computer this past weekend, however I reverted to an older edition of my ‘software’….#2 yellow pencil and a yellow legal pad.
Thoughts flashed through my cranial space.
“ObamaCare”………..whose care is it, anyway? Obama is not delivering the care, so why should his name be on it.? The plan was orchestrated by Ezekiel Emanuel, a well known authority and academic expert on health policy matters. also elder sibling of Rahm Emanuel, known for his family traits of high achievers, and lack of humility or ability to be diplomatic. Rahm and Zeke used to go at it, something like this,
Emanuel and his brother Rahm frequently argue about healthcare policy. Emanuel mimics his brother's end of the conversation: "You want to change the whole healthcare system, and I can’t even get SCHIP [State Children’s Health Insurance Program] passed with dedicated funding? What kind of idiot are you?"[8]
Dr Emanuel spent thousands of hours and several years developing the plan. He was head of the NIH at one time as well. He was pretty high up in medical organizations and must be an expert on health care, yes? NO ? He has an outstanding bibliography having written papers on euthanasia, rationing, death panels, end of life and other optimistic and positive views on life.
I don’t believe he has seen a patient in many years, nor ever operated a medical practice business. The law rightly should be named after the author, let’s call it “Ezekiel Care”, or “Emanuel Care”. That sounds holy and authoritative. After all the law is over 1200 pages long, only slightly shorter than my bible at 1400 pages.
Obamacare is written much like the bible….a multitude of The Secretary of HHS shall………it does sound a bit biblical, indeed. Many ‘thou shalt’s under penalty of ……. Obamacare reads a bit like hail and brimstone. And it will truly end with an apocalypse. I am still figuring out who the 7 horsemen will be in this apocalypse.
However, as usual I digress…
Health Reform is too important to be in the political arena, nor reformed by the ingrained establishments of Congress, the Department of Health and Human Services (HHS) or the Center for Medicare Services (CMS).
Americans are now highly suspicious about both parties and see much self interest in Congress, progress bogged down by process and parliamentary. There is little if any creative thought going on in those mighty buildings.
In order for Americans to have faith and trust in a health system, the system cannot be devised or run by those in Washington, D.C. Perhaps even a referendum must be organized to win approval of a totally new organization.
Health is a ‘like no other’ service. It involves life or death matters (not only) with almost a religious sense of ethics, priorities and privacy matters.
Reform must be proposed by neutral agnostic non political principals. Who will be these leaders? That in itself will determine the ultimate outcome, success or failure of what is proposed. It will take Jeffersonian creativity to accomplishment and a strong believer in the Constitution. It has a great deal to do with freedom and individual rights.
All of our leaders and Supreme Court Justices are sworn to uphold the U.S. Constitution, however often fail to deliver on their oaths.
The task is awesome to develop a consensus among patients, providers, insurers, hospitals and regulators.
Empty Mandates are worthless, the proposal must have genuine timely deliverables to succeed. It should not be a ‘ Ponzi scheme’ dependent upon the early success of capitalization to work.
We need to begin again….Repeal Obama Care.
Friday, November 15, 2013
ObamaCare Going Over the Cliff
Monday, November 11, 2013
Obamacare Will Be Repealed Well In Advance Of The 2014 Elections
That is less than six months from now. Forbes magazine this week has an op-ed by Steve Hayward.
“Prediction: even if HealthCare.gov is fixed by the end of the month (unlikely), Obamacare is going to be repealed well in advance of next year’s election. And if the website continues to fail, the push for repeal—from endangered Democrats—will occur very rapidly. The website is a sideshow: the real action is the number of people and businesses who are losing their health plans or having to pay a lot more. Fixing the website will only delay the inevitable.
This video is from 1993 when Hillary-care was being discussed. Many of the same concerns as we see today, however much further down the road.
CBS Audio Transcript mp3
Monday's CBS This Morning revealed how "a trusted Obama health care adviser warned the White House it was losing control of ObamaCare". Major Garrett underlined that "the warnings were dire and specific, and ultimately ignored" by the Obama administration. Instead, they "relied on appointed bureaucrats and senior White House health care advisers" to implement the health care law. Garrett also pointed out how "the White House became secretive about the law's complexity and regulatory reach" because they were apparently "fearful of constant attacks from congressional Republicans" over the controversial issue.Garrett also pointed out how "the White House became secretive about the law's complexity and regulatory reach" because they were apparently "fearful of constant attacks from congressional Republicans" over the controversial issue.
Despite this bold statement there are many clinging to a sinking ship.
As Obamacare rolls out fitfully there will be many confounding variables….stay tuned.
Sherpa Health vs. Obamacare and Healthcare.gov
One thing for certain (if there is any) is that “Obamacare” elicits a guttural reaction for many people. If you are in favor of it then you might be a left wing liberal, a socialist, or maybe even a ‘Pinko”. If you are against it then you are a right wing conservative, possibly a racist, or worse.
A lofty goal, to insure all our citizens should be removed from the political stage.
Not only was Nancy Pelosi correct in her statement “We won’t know what is in it until we pass it”. Even after it’s passage into law most people will not find out what is in it until they look over the policies on the Healthcare.gov website (if you can use it). The ultimate test is how badly you want it….using the web site is a mixed experience. On some days it works, partially, on other days it is like the old Microsoft “blue screen of death”…
The latest exciting news is that a ‘band of brothers’ has a website named “Sherpa Health” It took three 20 something's and three weeks to created the site.
To quote from the web site, “"The Health Sherpa is a free guide that makes it easier to find and sign up for health insurance under the Affordable Care Act. We only use carefully vetted, publicly available data," the site reads. "The Health Sherpa is not affiliated with any lobby, trade group or government agency and has no political agenda."
I tried Covered California, then the National Healthcare.gov to start. It took several days, however I think I am registered, however there was no way to immediately confirm my registration. There was a rather vague message about how I wanted to be notified, email, telephone, regular mail (or morse code….just kidding)
Three Guys Built a Better Healthcare.gov and while it does not have some of the complexity and linkages to ‘back end’ processes of HHS, IRS and eligibility authorizations it serves as a very friendly usable site for the ‘unintelligent’ (including me)
"It isn't a fair apples-to-apples comparison," Kalogeropoulos said. "Unlike Healthcare.gov, our site doesn't connect to the IRS, DHS, and various state exchanges and authorities. Furthermore, we're using the government's data, so our site is only possible because of the hard work that the Healthcare.gov team has done."
But it does cast light on the difference between what can be done by a small group of experts, steeped in Silicon Valley's anything-is-possible mentality, and a massive government project in which politics and bureaucracy seem to have helped create an unwieldy mess.
HHS and CMS spent hundreds of millions of dollars to erect Healthcare.gov. For a few dollars less (reportedly for a few hundred dollars). Sherpa Health does give credit to HHS for the background data bank which is used by Sherpa Health.
Even at this early date there have been surprises, insurance cancellations, healthcare.gov failures, and there will be more regarding penalties, individual mandates, employer mandates, and conflicts such as HIPAA regulations. The early success or failure may be a telltale sign for the financial future of the Affordable Care Act.
Good luck to us all.
Thursday, November 7, 2013
Full Committee Hearing - The Online Federal Health Insurance Marketplace: Enrollment Challenges and the Path Forward
This morning I awoke to my alarm set to the time of the Senate’s committee hearing on the Affordable Care Act and the botching of it’s “Go live” date. Usually “Go Live” dates are immense are of importance and a clear sign of significant change in an industry.
It is still uncertain if the ‘baby’ was born.
President Obama continues to alter his signature promise in selling the Affordable Care Act back in 2009 and 2010.
"If you like your plan, you can keep your plan," he said back then.
But that simple pledge has had to change as the Affordable Care Act has been implemented and a small percentage of Americans, albeit millions of people, have received cancellation notices from their insurance companies. And for the second time in two weeks, he's tweaked the line.
Visit NBCNews.com for breaking news, world news, and news about the economy
Debunking 4 Obamacare myths: Both sides get it wrong
On FactCheck.org a website published by Annenberg Public Policy Center, the myths are further analyzed. The number of experts is legion. Our senators asked many questions but failed to see the what the light of discontent is about and the depth of concerns.
The committee discusses that the Health Benefit Exchange is not the Affordable Care Act. I don’t think anyone thinks it is,, However no one indicated that discontent rises not in the HBX, but in the uncertainty of what the remainder of the ACA will cause to happen or not happen. The front page open to the public (if and when it works) is not reassuring to the public.
The discontent of consumers is trust and faith have been lost in regard to the entire program. Technology cannot replace a trust in the basic tenets of the act. There are many flaws, each a small one, however failure is usually results from multiple errors.
There are proponents of Obamacare who are endlessly optimistic, and offer enduring patience as one of the solutions.
There has been a growing discontent among those not of the mind that given more time the Affordable Care Act will work. If that is the case, there is sufficient time to place matters on hold and delay certain mandates while the law is modified to give authority to redirect the law as needed.
To push on in the face of serious doubt and to ignore the possible demise of the entire act would not be more than foolhardy.
Tuesday, October 29, 2013
Point and Counterpoint
There are those on both sides of the argument as to whether the Affordable Care Act will flourish or die on the vine.
Unfortunately the ACA has been linked with ‘Obama” and is more commonly called Obama care.
Recently in a street level survey Watters of the FOXNEWS channel reported that many people thought Obama care and the Affordable Care Act were two different laws. When asked which was better, some responded Obama care since it had President Obama’s name on it.
Point: Obama’s name gives the law high visibility, if it succeeds he will be remembered for his signature accomplishment…..good or bad.
Counterpoint: President Obama’s name attached to any bill or law invited political exploitation and the merits of the plan are soon forgotten.
Viewpoint: Obama care Will Survive Its Botched Rollout
Point: The HealthCare.gov debacle, and the cover-up and blame game that followed it, have reinvigorated Obama care's critics, who argue anew that the law represents expensive government overreach. So it's worth stepping back from the website mess to remember the deeper problems that made this law necessary in the first place -- and, by extension, why the issues with HealthCare.gov, which seem so important today, pale in comparison.
Counterpoint: The Health Benefit Exchanges are not the Affordable Care Act, however it was promoted as a key catalyst for enrolling previously uninsured among the uninsurable, young adults, and people just above the poverty level with large subsidies for premium payments.
Point: The Websites are a disaster, and much hype was broadcast about it’s opening, ready or not, even when those responsible knew it was not ready for prime-time.
Counter-point: Statements made in the recent past by HHS and President Obama included:
HBX would be ready
If you like your doctor or insurance plan You will not lose their doctor, hospital, and no one would lose their insurance plan. (read the fine print)….
If these major statement were incorrect, a lie or a deception who would or should trust anything coming from the executive branch, or HHS.? (Fool me once, fool me twice, fool me three times…well you already know the answer)
Point: If the HBX is considered fairly simple to build and it is a disaster, how will HHS manage to roll out the rest of the ACA which is far more complicated and involves hundreds of insurers, thousands of doctors and hospitals? This part of the ACA requires successful completion of each phase for the law to function without serious damage to health care financing but also to the economy in which health care spending is 17% of GDP or 1/6th of the economy.
Counterpoint: No problems….according to proponents the law will work because it is a good thing to counteract all the bad things about our health system.
The first problem with the status quo can't be repeated often enough: The U.S. spent 17.7% of its gross domestic product on health care in 2011, 50% more than the next highest among countries in the Organization for Economic Co-Operation and Development. The average for developed countries is less than 10%. Yet unlike every other developed country, a big chunk of Americans didn't have insurance -- almost one in six Americans last year.
Of course, for those with access to care, the U.S. is a good place to be sick. Americans received 103 MRI exams per 1,000 people in 2011, more than any other rich country, including Belgium (77), Spain (66) and Canada (50). The discrepancy was even higher for CT scans. And deaths from cancer are lower in any given year than for many rich countries -- 194 for every 100,000 people in 2010, which was better than the U.K., Italy, Germany, the Netherlands and Denmark.
Americans on average get less care and die younger, despite spending more as a country. As Eduardo Porter noted in The New York Times last week, the U.S. has an alarmingly high infant mortality rate -- higher than any OECD nation, with the exception of Mexico and Turkey. And not just a little bit higher. In 2011, 6.1 infants died for every 1,000 live births. The corresponding figures were 2.3 in Japan; in Sweden, 2.1; and in Iceland, 0.9.
The U.S. is also lagging at the opposite end of life. An American born in 2011 can expect to live 78.7 years -- less than somebody born in almost any European country, and 26th out of 36 in the OECD.Point:
You could also measure the inadequacy of American health care through the amount of health-care resources that are available to the population as a whole. The U.S. has fewer hospital beds per person than most developed nations; a fraction as many psychiatric care beds; and trails every European nation in medical graduates, at 6.6 per 100,000 people. (Germany and the UK have almost twice as many.)
Counterpoint:
The reason for this is the two decade old campaign to save money by forcing smaller and less efficient hospitals to merge, or close. Rising overhead coupled with another reimbursement paradigm change ‘the DRG or diagnostic related group. The DRG mandates a set fee by disease category, not what occurs during the hospitalization, nor the actual cost of the events. (Another one size fits all government mandate)
Waiting for a hospital bed in Beijing. Are we headed for this?
The entire article from Health Benefit Exchange can be read here;
Attribution: Health Benefit Exchange Publication
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