Obama Administration Health Care Rule Making Is a Disordered Mes

Re-post from John Goodman with NCPA:

These are the same people that want to control of your healthcare.  This is why obamacare needs to be overturned or repealed.  Obama and the rest of his gang want to by-pass Congress and just do what ever they want.  This is not what America is about.

Is There a Republican Alternative to ObamaCare?

I think this article by John Goodman with NCPA shows why nothing get done in Washington.  Everything is used as a election football  instead of getting to work and make some common sense answers to the problem. 

Obamacare is not the answer but ever time some one that is not a progressive and believe that the government is the only answer, don't do anything but tear it apart and call the other side names or worst.  I far one am tired of the games, How About You.

I hope you find this article as interesting as I did.  CLICK HERE for the full article.

John Goodman with National Center for Policy Analysis(NCPA) appeared on Glen Beck's GBTV

JE Health Care Solutions is watching the SCOTUS this week to see what happens on ObamaCare.  Here is a very interesting video.

John Goodman with National Center for Policy Analysis(NCPA) appeared on Glen Beck's GBTV yesterday to discuss the SCOTUS hearings on ObamaCare.  Very interesting and a must watch.

How Obamacare Dramatically Increases the Cost of Insurance for Young Workers

From Forbes

Avik Roy, Contributor

The Apothecary is a blog about health-care and entitlement reform.

 

In 2009, during the height of the debate over Obamacare, the law’s architect, MIT economist Jonathan Gruber, was all over the op-ed pages, talking about how the bill would reduce the cost of health insurance. “What we know for sure,” he told Ezra Klein, “is that [the bill] will lower the cost of buying non-group health insurance.” His words were trumpeted by the law’s advocates, and were critical to persuading skittish Democrats to vote for the bill. But it turns out that “for sure” doesn’t mean what you thought it did. Because, now, Gruber is quietly telling state governments that the law will significantly increase the cost of insurance. And it will especially do so for young Americans: the ones who most struggle to find affordable health coverage.

Click here for the full report

Helping Consumers Choose Health Plans In Exchanges: Best Practice Recommendations

This is a re-post from Health Affairs published on their blog today 2/29/2012.  I thought it might be helpful to my readers.  I still have problems with the Patient Protection and Affordable Care Act (Obamacare), because it still is a third party healthcare delivery system and not quality healthcare controlled by you and your doctor. 

Until you take responsibility for your who healthcare and stop wanting someone else to pay for it, you will not have the control of your care or the cost.  Their are option available but you will need to we willing to do the research and ask the right questions.  

Here are a few ideas:

1)  Go with a high deductible no frills plan to cover the major problems.

2)  Pay cash of your regular Doctor visits, and other routine expenses.

3)  Look at accident plans that pay per accident.  Example NACD (National Association of Consumers Direct)

4)  Add a program that gives you PPO discounts for your Doctor and other routine expenses, (lab, Rx, vision, Dental, etc.

For more information on your options go to JE Health Care Solutions web site and if you have questions just contact us.  We Are Here To Help You To Take Control of Your Healthcare.

A False Compromise on Conscience Protections

Re-post of an article by:

 Benjamin Domenech

Benjamin Domenech is managing editor of Health Care News and a research fellow at The Heartland Institute.

I thought this article brought out some great points about Obama's so called compromise on the birth control coverage mandate.

Obamacare Will Leave Many Uninsured Repost from (Insider Report from Newsmax.com)

Something to think about.  Once again our government acts before they think about the consequences.  This is what happens if you pass a law without reading it first.  This is why JE Health Care Solutions was formed because we saw this coming.

A little-known provision of President Obama’s Patient Protection and Affordable Care Act will likely have several unforeseen — and unpleasant — consequences, according to a troubling new report.

The provision would raise the cost of healthcare insurance for many low- or middle-income families and even make it completely unaffordable for them.

Under Obamacare, companies with more than 49 employees must offer “affordable” health insurance to full-time workers or pay a penalty of up to $3,000 per employee. But affordable coverage can be for the employee only, not family members.

The Act requires employees to accept this insurance. And if a family member has this coverage, the rest of the family will not be eligible for a federal subsidy of the premium it must pay for a policy, according to Diana Furchtgott-Roth, contributing editor of RealClearMarkets.

She points to a new National Bureau of Economic Research working paper from researchers at Cornell University and Indiana University showing that in 2014, when Obamacare will take full effect, 13 million low-income Americans may be unable to get subsidized health insurance through new state healthcare exchanges because one family member has employee-provided coverage.

And those Americans who can therefore not afford coverage would remain uninsured and receive their care from emergency rooms and community centers, as they often do today.

The provision, then, “has a number of consequences, none of them foreseen by the architects of the Act,” Furchtgott-Roth writes.

Employees with dependents will prefer to work for companies that do not provide health insurance so that they can qualify for coverage through the healthcare exchange. For a four-person family at 133 percent of the poverty line earning $28,000 a year, premiums will be capped at 2 percent of income.

That same family would have to pay 43 percent of its income for coverage without government subsidies, which makes coverage clearly unaffordable.

One more consequence: The provision would discourage marriage. If one partner receives affordable healthcare insurance from an employer, the spouse would not be eligible for subsidized coverage. The couple could therefore remain unwed to avoid that problem.

“Congress needs to address this problem,” the author concludes. “Even if the Supreme Court upholds the constitutionality of the individual mandate, the healthcare law will remain costly, inefficient, and in need of reform.”

Why We need to change our way of thinking about Health Care

PART 1.  The Problem

I am writing this blog post because I am tired of hearing everyone complaining about Obamacare and the high cost of health care insurance, but yet they do nothing to change how they are dealing with their health care.  As long as Americans continue to think someone else is responsible for paying for their health care then nothing will change.  Anytime you have a third-party payer system for anything someone else is going to make the decisions for you.  It is your responsibility, not someone else’s!  Remember, once you give your money to the insurance companies, it is no longer your money, it is theirs.  Think of it this way; if you went to a company and said, “I will pay you so much a month and you take care of my electric bill every month”, don’t you think they are going to control the amount of power you use every month?  So what makes you think health care insurance companies are any different?

Did you know, on average, for every dollar you pay for health insurance, you get about 25 cents of service?  The other 75 cents goes to the insurance companies.  If you think about it, that is not a very good bargain.  Yet we have been doing this since the 1920’s and think it is great.  So who is getting a piece of this 75 cents? 

1.     The Insurance Company now has control of your insurance dollar.

2.     Risk Group: ( Employer Groups) These are the people in your group that are sick, because it is a guaranteed issue group policy.

3.     Government: This is all the laws, regulations, political contributions. taxes, fees, etc.

4.     Labor: Because of labor unions in hospitals, costs are driven up. Labor union demands for high cost insurance plans drive up the cost; things like low co-pay, low cost prescriptions, etc.

5.     Government Programs: Medicare and Medicaid; reimbursements from your policy have to go to help cover the under-payment from these programs.

6.     Big Disease: These are non-profit and put mandates on every ones policies. Things like cancer, heart disease, COPD, etc. Your premiums reflect these costs because all of these have to be covered for everyone.

7.     Drug Companies: The drug companies have put themselves between you and your health care dollar by marketing directly to you with ads for the next miracle drug, so you will self- diagnose and run to your doctor and ask for their drug by name.

8.     Attorneys: These are the tort attorneys that are waiting for your doctor to make a mistake. Malpractice insurance is built into your doctor's cost of doing business but this forces them to do unnecessary tests just to cover themselves against the attorneys.

9.      Billings and Collections: This would not be needed if it weren't for insurance companies. Billing is needed to handle the paper work involved with filing with insurance companies. Collections are needed because the insurance company can deny your claim and they have to collect from you.

10.  Claims: A lot of claims are denied or delayed. The claims job is to save the insurance companies money by denial or delaying claims.

11. Case Manager: The case manager's job is to approve the least expensive treatment and the doctor with the lowest.

All of these entries are between you and your doctor, and thus, your health care.

This is a health care delivery system not health care.

This ends part 1.  Please be looking for part 2 and 3 over the next few days.  I have written an e-book about this, which has a lot of reference material in it.  You can download it at the following link.  It is free, because I am trying to help as many people as possible to become informed consumers on health care.

 Download E-Book 

It is free

Mark Levin Show: Death Panels Will Be A Reality With Obamacare

 I thought this was a very interesting and everyone needs to hear this.  It will not make you happy, but you need to know about it.  This is why we do what we do to try and educate people about what is going on with our healthcare in America.  If we the people, don't work to get the government out of our healthcare then we will all suffer.

A neurosurgeon, vetted by Levin's staff, calls Mark and talks about what he knows about Obamacare Death Panels. From 11/22/11.

CLICK HERE TO WATCH VIDEO

Very Interesting Article about the: Preventive Services Task Force

Here is an article by:
 By Scott Gottlieb with AEI
Scott Gottlieb, MD (scott.gottlieb@aei.org) is a resident fellow at AEI. Dr. Gottlieb consults with health care companies.
Key points in this Outlook:

• Under President Obama’s health care plan, the United States Preventive Services Task Force now wields great power to decide which health services (like mammograms) doctors should provide, yet it has few checks on its sweeping authority.
• Its mandates are likely to raise health insurance costs and premiums, while reducing the number of covered preventive services.
• To improve accountability for an agency that is both out of date with the medical community and out of touch with the public, Congress should closely monitor the impact new mandates have on patient care.

Under the Patient Protection and Affordable Care Act (PPACA), a previously obscure government advisory body has acquired vast authority to decide which health care services Americans will have access to. The United States Preventive Services Task Force (USPSTF) was created in 1984 as a government advisor with the mission of assessing the clinical utility of preventive health measures such as screening tests and issuing nonbinding recommendations about which measures doctors should incorporate into routine medical care. PPACA gives the USPSTF’s recommendations the force of law, making them de facto mandates on which preventive services private health plans and public programs such as Medicare must pay for. Services that do not make the USPSTF grade are unlikely to be covered at all. The USPSTF was not designed to wield this kind of sweeping and binding authority. It does not maintain the transparency, deliberative process, appeal process, or requirements for public notice and comment that are hallmarks of sound regulatory policymaking. Moreover, because the USPSTF has few guidelines governing its function, it has great flexibility to adapt its criteria and grow its mandate in ways that may conflict with political goals and public sentiment and lead to unintended consequences.
I highly suggest you read the full article by Clicking on the link below.

http://www.aei.org/outlook/101088

Can or Will this happen in America

This is from a post by Diana Stratton from Rules for Radical Moms.  The question you need to ask yourself is, do you want this to happen in America?

This is what might happen under Obamacare with its 15-person Federal Coordinating Council on Comparative Effectiveness Research, the group which has been designated to prepare the
list of which medical procedures will henceforth be permitted, and which will
not.

May 15—In October 1939, Nazi Leader Adolf Hitler issued an order, written
in his own hand, ordering the extermination of those who were considered
"unworthy of life." The order, entitled "The Destruction of Lives Unworthy of
Life," stated that patients "considered incurable according to the best
available human judgment of their state of health, be accorded a mercy
death."

Hitler's murder spree started with the mentally ill, the terminally ill,
invalids, and the disabled, and eventually spread to millions of Jews,
Gypsies, and other "undesirables"—worked to death or exterminated in
concentration camps.

This monstrous program was initially sold as an economic measure: "The
economic burden represented by people suffering from hereditary diseases is a
danger for the State and society," Nazi Dr. Gerhard Wagner said at the Nazi
party congress in 1934. The Nazis required all state institutions to report
on patients who were chronically ill, and used those reports as the basis to
decide which patients should be killed.

Today, the Obama Administration is beginning to descend down that same road,
promising to make the "tough choices" to cut entitlement programs such as
Medicare and Social Security to save money—at precisely the time in which
an increasing number of Americans are forced to depend on them as the economy
slides deeper into Depression. Obama is willing to spend trillions of dollars
to bail out the financial markets, and pay for it by slashing programs which
keep ordinary Americans alive.

Think we're exaggerating? Take the case of a paper entitled "What Are the
Potential Cost Savings from Legalizing Physician-Assisted Suicide?" It sounds
like something that might have been written by Jeremy Bentham, or Aldous
Huxley, or maybe Nazi doctor Karl Brandt, but it was actually co-authored in
1998 by "bio-ethicist" Ezekiel Emanuel, brother of White House Chief of Staff
Rahm Emanuel, a leading advisor to Obama's budget director Peter Orszag, and
a member of the 15-person Federal Coordinating Council on Comparative
Effectiveness Research, the group which has been designated to prepare the
list of which medical procedures will henceforth be permitted, and which will
not. Emanuel's co-author, Margaret Battin, has written other papers promoting
suicide and selective refusal of medical treatment. The pair are really just
echoing Karl Brandt's defense of euthanasia at Nuremberg: "Death can mean
deliverance. Death is life—just as much as birth. It was never meant to be
murder." But it was.

Interesting post from Heartland Institute: Ben Domenech

Consumer Power Report #291: No CLASS

September 27, 2011

Welcome to the Consumer Power Report.
One of the worst aspects of President Barack Obama’s health care law is the CLASS entitlement, an unsustainable long-term-care program adopted as a testament to the late Ted Kennedy. CLASS is practically designed to fail, and the fact that the Congressional Budget Office judged it a positive deficit reform should tell you a thing or two about how they calculate things.
Now that the administration has gotten around to implementing CLASS, it turns out the thing just won’t work right – so on Thursday they let slip the program was being shut down. From the AP:

In an interview Thursday, a top technical expert working on a financial plan for CLASS said the eight people on the program staff were told last week they would be reassigned.
“They told us that they were going to take a pause,” said Bob Yee, an actuary responsible for long-range cost estimates. Yee said he decided after getting the news to leave the government, and plans to return to private industry.
“It’s difficult trying to find a solution without an in-house actuary,” said Yee. “My feeling is that they are not going to make some wonderful discovery. You draw your own conclusion about what’s going to happen.” Yee’s departure was first reported by The Wall Street Journal.
A central design flaw has dogged CLASS from the beginning. Unless large numbers of healthy people willingly sign up, it will create a situation where soaring premiums for a smaller group of frail beneficiaries eventually destabilize the program.

Avik Roy has more on this, along with several updates that give you a picture of an administration struggling with how to handle this announcement that a liberal pet project is biting the dust. Their clumsy admission of the truth didn’t help – now liberal Senators are upset about the decision. Don’t confuse us with math, they say.

“It’s sad,” said Sen. Barbara Mikulski (D-Md.), a champion of the program that was developed in her Senate HELP Committee by the late Sen. Edward Kennedy (D-Mass.). “We’re evaluating our strategy now.”
Rep. Frank Pallone (D-N.J.), who sponsored the program in the House, said terminating the program would be a “huge mistake.”
“Obviously the administration has put some kind of hold on it,” he told The Hill. “I’m going to try to find out why, but beyond that I’m going to continue to press them to implement it as soon as possible because it makes sense.”

But this isn’t just a partisan bias against unworkable systems. To his credit, North Dakota Democrat Kent Conrad – who has called CLASS a “Ponzi scheme of the first order” – acknowledged that the calculations behind it just don’t work. “It’s unfortunate because it tries to address a real need. The problem is what was put in place doesn’t work, it doesn’t add up,” Conrad said. Couldn’t you say that about all of the president’s health care policies?
-- Benjamin Domenech

Health Reform Law Will Not Help Contain Costs

You need to read the complete article.  It shows again why you need to get out of the health care delivery system.

This is why Direct Concepts Healthcare program is a great solution over high cost of health care insurance.

Health Reform Law Will Not Help Contain Costs

Potential Impact of Health Reform on the Cost of Private Health Insurance Coverage

Written By: PriceWaterhouseCoopers Staff

Published In: PriceWaterhouseCoopers

Publication date: 10/01/2009

---

Health reform could have a significant impact on the cost of private health insurance coverage.

There are four provisions included in the Senate Finance Committee proposal that could increase private health insurance premiums above the levels projected under current law:

- Insurance market reforms coupled with a weak coverage requirement,
- A new tax on high-cost health care plans,
- Cost-shifting as a result of cuts to Medicare, and
- New taxes on several health care sectors.

The overall impact of these provisions will be to increase the cost of private insurance coverage for individuals, families, and businesses above what these costs would be in the absence of reform.

On average, the cost of private health insurance coverage will increase:

- 26 percent between 2009 and 2013 under the current system and by 40 percent
during this same period if these four provisions are implemented.

- 50 percent between 2009 and 2016 under the current system and by 73 percent
during this same period if these four provisions are implemented.

- 79 percent between 2009 and 2019 under the current system and by 111 percent
during this same period if these four provisions are implemented.

Down Load full PDF report:

Obamacare to Boost, Not Reduce ER Visits

Here is a post by NEWSMAX.com on their web site.  I thought this would be of interest to my readers.

 

"Supporters of the healthcare reform legislation passed by Congress claim it will reduce emergency room visits by providing nearly all Americans with the insurance they can use to see a primary care physician.

A new poll says otherwise.

The survey by the American College of Emergency Physicians (ACEP) found that 97 percent of doctors every day treat Medicaid patients in their emergency departments because the patients could not find a doctor willing to treat them for the fee Medicaid would pay.

If Obamacare provides insurance that reimburses physicians at Medicaid rates, visits to the ER will likely increase, according to ACEP.

In fact, 89 percent of doctors polled said they believe ER visits will increase under Obamacare.

“This poll confirms what we are witnessing in Massachusetts — that visits to emergency rooms are going to increase across the country, despite healthcare reform, and that health insurance coverage does not guarantee access to medical care,” said ACEP President Sandra Schneider.

Hundreds of emergency rooms across the country have been forced to shut down due to financial concerns, increasing the workload at those remaining open, and the healthcare reform law fails to address this issue, Dr. Schneider said.

Nearly half of the physicians surveyed in ACEP’s poll said fear of lawsuits is the biggest challenge to cutting costs in emergency rooms, and 53 percent said their fear of lawsuits was the main reason for ordering many of the tests they perform."

Is the High Cost of Health Care Insurance Killing your Budget Part 4

Today lets talk about the other 2 groups that have the finger in your health insurance dollar pie.  When you go to the doctor he has a sheet that has a long list of number codes on it this is the CPT4 codes.  Let me explain what these are.

With a complex network of providers, there has to be a way to ensure standardization.  This is done with the CPT4 codes.  CPT4 codes organize all of the services available for proper pricing and documentation.  When a doctor files a claim, he or she must provide a CPT4 code for payment.  For each procedure there is a code naming that procedure.  The price that is attached to that code is known as the PPO Allowable.  Why is it called PPO Allowable?  Since the amount charged is all the PPO will allow a provider to collect, it is called a PPO Allowable.

Guess who owns the copyright to the CPT4 codes?  The AMA so every time the code is used for a claim the AMA makes money for the use of this code.  Just think how many millions of times a day these codes are used in a claim to the insurance company?  To the AMA it is the goose that laid the golden egg. 

Who controls the medical schools?  You guessed it the AMA, so this is where future doctors are taught the way to set up a practice is to sign up with as many insurance programs as they can, and file as many claims as they can a day.  Are you now understanding why it is a health care delivery system and not health care. 

Your doctor is at a huge disadvantage in this system because he/she cannot give their patients the time that they would like to.

They have to see as many patients as possible just to be able to keep their doors open.  That is why so many doctors are going to a cash practice.  This is where Direct Concepts Healthcare comes in, we allow the doctor and patient control over the patients health care.  Because they get the full PPO Allowable at the time of the visit, and don’t have to pay people in their office to deal with all the insurance companies paperwork and delays.  This lets the doctor spend more time with his/her patient the way it should be.

Now lets talk about everybody’s favor topic, the Government and the Politicians.  Yes thy have their hand in the pie too.  First we had Medicare and Medicaid form Lyndon Johnson, this was the first big step to government control of our health care.  Now we have Obamacare,  the complete take over of our health care.  If you noticed the insurance companies, Drug companies, AMA did not say much during the hearings in congress on Obamacare.  That is because they helped write part of it.  The insurance companies love it because it will put everybody into the health care delivery system.  Plus it will let them get rid of the agent’s because of the states health care exchange’s that have to be set up.  On top of that we are going to have 15 bureaucrats making medical care decisions for you instead of you and your doctor.  I know you are thinking but won’t this bring down the cost of health care insurance.  It may a little but don’t count on it.  So far all it has done is increased the cost.  The biggest problem is the control part of Obamacare.  There is a way out and I will tell you about it soon.

How many of millions dollars the insurance companies give to the re-election of the politicians every election?  Where do you think the money comes from?  Yep it is part of the 75 cents that you never see of your insurance dollar.  Yet they don’t have to have the same health care or lack thereof, they have their on.  Well you can have your own too, by opting out of the health care delivery system. 

Here at JE Health Care Solutions we are ready to show you how.  The Direct ConceptsHealthcare program does just that.  Click on the contact button on the right hand side of the blog and enter you information and we will get back to you as soon as possible.  Or go to our web site at 

JE Health CareSolutions.  Each person is different and has different needs so we work with each client to meet their needs.  Or you can call: 865-357-3379 and Jo Anne or I will be glad to answer your questions.

Don’t miss the next up-date by signing up for our email alerts on the right.

What are Accountable-care Organizations and how do We Avoid them

According to AVERY JOHNSON  of the The Wall Street Journal in New York

ClickHere for the full Article.

“ In broad outline, these entities propose to unite doctors and clinics or hospitals in groups that pool their resources with the goal of trimming spending while boosting the quality of care. When the group can show that it is improving care and delivers it for less than the cost projected—arrived at by crunching historical patient data for that market—a share of the savings goes to the ACO's bottom line”

“ACOs exist more on paper than in reality, for now. But a few organizations up and running for decades do closely resemble how the concept can work. One of the most prominent is Atrius Health of Newton, Mass., an alliance of five medical groups comprising more than 800 physicians, about 700,000 patients and 30-plus care centers in eastern Massachusetts.”

This is the State that has Rommycare and they are having all kinds of problems with it.  What it really is, is more Health Care Delivery. not quality Health Care, where someone else is making medical decisions for you instead of you making them for yourself and your family.  Guess who will be making those decisions for you and your family?  A panel of 15 People that are appointed as government appointees. Is this what we want to hear?  No, enough with the government, insurance companies, AMA, and the drug companies making our decisions!

According to an article by ANNA WILDE MATHEWS  for the Wall Street Journal Hospitals and Doctors are pushing back against this as well.  Click Here for the complete Article.

“Hospitals and doctors are pushing back against an Obama administration initiative that urges them to create new organizations to coordinate the care of groups of Medicare patients.
The voluntary program seeks to save money and improve treatment. But the health-care providers say the rules proposed for the initiative are too onerous and the financial incentives too weak, and that they will participate only if the program gets a major revamp.
The deadline for response to the proposal is June 6, but health-care providers have already been unusually vocal in their complaints. "It's pretty much a nonstarter as structured," said Anders M. Gilberg, an official at the Medical Group Management Association.”

Obamacare is what is driving this program.  If you look at it, it will only lead to rationed care for people on Medicare.  Obamacare came from the same people who now run commercials showing a Congressman throwing Granny off a cliff.  Well, who is really throwing Granny off the cliff?

Until we, as Americans, step up and take responsibility for our health care, this problem will never be solved.

HOW DO WE DO THIS?

Step Number One:  Change your mindset that someone else is going to pay for your health care.
Step Number Two:   Start paying cash for your doctor visits.

The best way to buy anything is to buy it direct.  We buy our cars, food, and just about everything else directly so why should Medical Care be any different?  Because we have been told for more than 50 years that we have to have medical insurance to get medical care.  Number one, this is a lie; if you need medical care and go to the emergency room, they have to treat you to the best of their ability, regardless of your ability to pay.  I am not saying this is what you should do if you can pay but I am saying that you do not have to have insurance to get medical care.

A medical care delivery system is not medical care.  We don’t buy car insurance to cover the cost of gas, oil changes, tires, and the minor repairs.  We buy it to pay for the major problems, i.e., if we have a wreck.  Yet we buy health care insurance so we can go to a doctor’s office and pay a $25 to $35 co-pay and pay hundreds of dollars a month for this privilege.  Does this make sense to you?  It doesn’t to me! 

I know you are asking, “How can I pay cash to go to the doctor when an office visit might cost $110 to $140 for a visit?”  You don’t have to do that either.  You can negotiate with your doctor for a discounted cash rate or you can become a member in a PPO directly.  Remember, insurance companies have been using PPO Rates for 50 years or more, so why should you not be able to do the same thing?  I am not talking about a medical discount program, I am talking about a true Medical Savings program.  One such program is Direct Concepts Healthcare  which puts you into two of the largest PPO’s in the country;  PHCS and Galaxy Networks.  This includes Doctors, Hospitals, and all the service’s, i.e., labs, x-ray’s, MRI’s, etc.  It also has a prescription discount program that will save you 10% to 80%.  It also includes Dental, Vision, and Alternative Health Care, plus more.  All for $88 per month, per family, with no restrictions for pre-existing conditions.  There is also an Rx program for FDA approved, name brand Prescriptions, based on family income for $20 per month, per prescription.  This is a separate program and you do not have to be in the $88 program to join it.


By paying the PPO rate, you are getting the same rate that the insurance companies pay the doctor; the difference is the doctor gets the full  PPO payment at the time of your visit.  He doesn’t have to file insurance papers and wait to get his money from the insurance company. Which, by the way, will be the PPO Allowable, not his cash price. And you are not paying an insurance company hundreds of dollars a month.  It also gives you and your Doctor control over your treatment without the government or insurance company telling him what treatments he can and can’t give you or your family.

It is up to YOU to decide if you are going to control your health care are let the government, Insurance companies, or someone else decide your health care future.

Stay tuned for the next update.  I hope I am helping you to become informed  about what is going on in the Health care industry and a way to protect you and your family.  Be sure to sign up to get regular updates by Subscribing via email on the right hand side of our blog.

Small Business Being Buried Alive by Health Care Cost

I wrote a blog post yesterday about the Kaiser Foundation report of 2010 Employer Health Benefits, health care cost to business's both small and large.  My post today is mainly to the small business owner's out there are the self employed, who are now having to decide if they can continue to provide health Care insurance plans for there employee's or their own family's.

The answer is YES you can by making the right choices.  As I quoted from the Kaiser report health insurance cost have risen by 114% since 2000 and are predicated to continue to rise.  Why is this happening, at such a high rate?  Obamacare!!! is the biggest reason, but cost have been going up at a much faster rate than inflation for several years.  With the new  rules and mandates with Obamacare upon us now the rates will just get higher.  I know that I am not telling you anything new but you need to think about it now.

There is a solution to this problem.  You must take control of your health care and quite letting the insurance companies and the government control it for you.  There is a company called Direct Concepts Healthcare that is a  free market answer to this growing problem.

JE Health Care Solutions is an independent rep. for Direct Concepts Healthcare and we will be glad to talk with you to discuss anyway that we can help you and your employee's to get quality health care they and you deserve at a very affordable rate.  This program is designed to take the insurance companies and the government out from between you and your Doctor, so you are in control of your health care.

I am very excited to be able to offer you this program because it has been a life saver to wife and I.  For further information just click on the contact us button on the right hand side to your screen and enter your information and we will get back with you ASAP.

New Article by Dennis Rowley

A Math-Health Care Story Problem

Posted on May 20, 2011 by Dennis

I know. I know. I hated story problems in school too. I hated them with a passion. But this one is different, trust me! This is one that once you get to the end should make sense and be easy to understand and answer.
Here Goes!

One train leaves the station every day at the same time. Let's call this train ObamaCare. Train ObamaCare is expensive. It has already raised the rates between 30 and 50% in a little over a year. More rate increases are promised soon as well. ObamaCare rations the treatments that people on the train get. It promises free care but with expensive premiums and higher taxes already in effect how can it be free? The worst part however is that Train ObamaCare is controlled by massive government agencies, departments and programs. Effective one-on-one treatment is eliminated and doctors who ride the ObamaCare train who don't follow the rules can be fined and even jailed! Treatments for people who ride Trian ObamaCare actually come from a government panel appointed by the President – not from the doctor. Oh and one more thing – train Obamacare is slow. Sometimes treatments for people who ride train ObamaCare can be delayed for months.

Another train leaves the station at the same time. We'll call this Train ObamaCare Waiver. This train is less expensive. In many case it will save passengers as much as 90% every month! No rates increases are projected. The treatments people who ride the Waiver train get are not rationed and are delivered personally by the doctor you choose. There is no government control on The ObamaCare Waiver Train. There are no long lines and treatment is immediate.

No government panels. No long waits. Less expensive. Better treatment. Gee it seems like this train is a better deal.

But there is one catch. You have to get off the ObamaCare Train. You have to actually get up off the ObamaCare Train and move over to the ObamaCare Waiver Train. Doesn't sound that hard and it isn't. The only thing you need to do is follow a few simple directions. Get your directions here.

The question is with Train ObamaCare being more expensive, harder to navigate and delivering substandard care, why haven't you moved to the OabamCare Waiver Train?

Doctors Tell Court of Appeals Obamacare will Harm Patients

The Association of American Physicians and Surgeons (AAPS) along with 5 individual physicians (Janis Chester, M.D., Mark Hauser, M.D., Leah S. McCormack, M.D., Guenter L. Spanknebel, M.D., and Graham L. Spruiell, M.D.) filed an Amicus Brief asking the 11th Circuit Court of Appeals to affirm Judge Roger Vinson's ruling declaring ObamaCare Unconstitutional. The brief states in part, "Amici believe ACA is unconstitutional. If upheld, ACA will harm patients and undermine, in fundamental and dangerous ways, the practice of medicine...," and they "urge the Court to affirm Section 1501’s [the individual mandate to buy insurance] unconstitutionality and to further hold that Section 1501 is not severable from the remainder of ACA.  CLICK HERE to download a pdf copy.