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Don’t Confuse Me With Facts

Stanley
Feld M.D.,FACP,MACE

Sometimes,
in order to believe a certain ideology, some smart people take the position of
not wanting to be to be confused by facts.  

Countries
with socialized medicine have said their citizens are happy with their care.
Therefore, this is the evidence that the U.S. should have a socialized medicine
system.

Less
than 20% of a nation’s population experiences the healthcare system at a moment
in time
. The 80% who are not sick are happy because they feel secure. If they
got sick they believe they would receive free medical care. The result is the
majority of the population under a socialized medical system likes the system.

This
Is A FACT (TIAF)

Dr.
Donald Berwick former acting head of CMS and author of Obamacare wrote, in a
personal letter to “Senior Government Officials and Senior Executives of the National
Health Service in England after doing a review of the NHS.”

“You are stewards of a
globally important treasure:
the NHS. In its form and mission, guided by the
unwavering charter of universal care, accessible to all, and free at the point
of service, the NHS is a unique example for all to learn from and emulate.”

Dr.
Donald Berwick added, “redistribution of
wealth is the very essence of a compassionate healthcare system for all.”

I
disagreed with Dr. Berwick in an earlier blog. I said citizens responsible for
their own health, healthcare and healthcare dollars are essential ingredients
for a cost efficient healthcare system.

Patients
are the primary stakeholders. Patients must be actively responsible for their
health. They must have a moral and intellectual responsibility for their own
health as well as a financial incentive to be responsible for themselves.

They
must have own their healthcare dollars, have the freedom to make their own
healthcare choices and have access to care.

The
government must create educational vehicles to help patients make the correct
choices.

 The government must provide financial
incentives for people to make those choices.

Medical
care and medical decisions made for patients by a bureaucracy has historically
failed to control costs or provide efficient and compassionate medical care.

Socialized
medicine run by bureaucrats has failed in England. Medical care consumes more
than 50% of England’s GDP.

This
Is A Fact (TIAF)

Medicare
is wonderful for people over 65 years old. Seniors could not buy healthcare
insurance from a healthcare insurance company. The healthcare industry had not
figured out how to make money from these people so they disqualified them.

If
the government got rid of the $250 billion dollars in administrative waste and
inefficiencies each year, Medicare and Medicaid would become sustainable.

This
Is A Fact (TIAF)

Medicare
and Medicaid provide no incentives for patients to take care of their health.

Chronic
diseases are ineffectively managed. The complications of chronic diseases
consume 80% o
f Medicare’s healthcare dollars. If chronic diseases were managed
properly the complication rate from chronic diseases could be decreased by at
least 50%.

This
Is A Fact (TIAF)

Many
patients do not have the incentive to take care of themselves
. They leave it up
to the system to take care of them.

Unfortunately,
it has be demonstrated that a government controlled system creates ever
increasing bureaucracies and cost inflation.

This
Is Fact. (TIAF)

Most
all of the nation’s attempts to control healthcare costs in the past 50 years
have failed. (Price control of the 70’s, HMO’s, Managed Care, PPOs.)

These
systems had to be abandoned. Nevertheless, healthcare policy wonks continue to
give the same advice and make the same mistakes. The policy wonks’ advice is to
institute greater government controls over medical care.  

This
Is A Fact (TIAF)

 A recent report about England’s hospital
conditions in Mid Staffordshire has emphasized the defects in England’s 60 year
socialized medicine experiment.

The
report only covers hospital inpatient defects. It does not cover the many
defects in outpatient services. 

 The report is “Report of the Mid Staffordshire NHS Foundation Trust
Public Inquiry

5
February 2013 to the Secretary of State.”

The
report stated that;

1. For
many patients the most basic elements of care were neglected.

2. Calls
for help to use the bathroom were ignored and patients were left lying in
soiled sheeting and sitting on commodes for hours.

3.
Patients felt afraid and disenfranchised.

4. Patients
were left unwashed, at times for up to a month.

5.
Food and drinks were left out of the reach of patients and many were forced to
rely on family members for help with feeding.

6. Staff
failed to make basic observations and pain relief was provided late or in some
cases not at all.

7. Patients
were too often discharged before it was appropriate, only to have to be
re-admitted shortly afterwards.

8.
The standards of hygiene were at times awful, with families forced to remove
used bandages and dressings from public areas and clean toilets themselves for
fear of spreading infections.

9. These
healthcare conditions caused the deaths of an unknown number of patients.  

Robert Francis QC Inquiry Chairman who wrote
the report covered a wide range of system failures. I will only highlight the
key failures contained in the 500-page report. This report was mandated by the House of Commons.

These defect are occurring throughout the
entire NHS system. The NHS is not as glorious as the Obama administration or
Dr. Berwick’s has idealization the NHS to be.

"The
story the report tells is first and foremost of appalling suffering of many
patients. This was primarily caused by a serious failure on the part of a
provider Trust Board. (Bureaucracy)"

 "The trust board did not listen
sufficiently to its patients and staff or ensure the correction of deficiencies
brought to the Trust’s attention."

The NHS bureaucracy did not put patients
first. It put the various levels of bureaucracy in charge. Bureaucracies deaden
incentives and lose focus on who is the main stakeholder in the healthcare system.

"The
trust failed to tackle an insidious negative culture involving a tolerance of
poor standards and a disengagement from managerial and leadership
responsibilities".

"This
failure was in part the consequence of
allowing a focus on reaching national access targets; achieving financial
balance and seeking foundation trust status to be at the cost of delivering
acceptable standards of care."

Appropriate
statistical reports and collection of reports are more important that
appropriate patient care.

Robert
Francis goes on to outline how the bureaucracy puts measurements first, not
patients.

None
of the bureaucrats want to take responsibility for what is going wrong. Finger
pointing and blame shifting is an occupation in the British healthcare system.

"The
NHS system includes many checks and balances. These checks and balances should
have prevented serious systemic failure of this sort."

"There
were and are a plethora of agencies, scrutiny groups, commissioners, regulators
and professional bodies, all of whom might have been expected by patients and
the public to detect and do something effective to remedy non-compliance with
acceptable standards of care.

For
years that did not occur."

Watch out America!

We are falling into the same trap with Obamacare.
It might sound good to some. It will not work judging by the experience of
others.

Unfortunately,
the Obamacare’s model is the British healthcare system. I do not think the
traditional media should praise it. The traditional media should publish the
facts of history.

The
traditional media should call for the repeal of Obamacare.

 

The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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Speaking Of Chaos And Uncertainty

Stanley Feld M.D., FACP, MACE

I ended my last blog with,

“President Obama’s goal is to create more chaos
and dysfunction in the healthcare system. “


“Only then can the government really step in and
say let me help you.”


It is the only
reason President Obama told the then Senator Kerry and Congressman Frank not to
worry if the final bill does not have a public option.

Kerry and Frank said
Obamacare would not work without a public option. The only thing that would
work is a single party payer system.

  

 

 

With limited benefit
plan, employers would avoid the broader $2,000 per-worker penalty.

It is not
clear is whether employers could face a $3,000 penalty per individual for any
employee who opts out of the limited benefit plan.

Four
problems are being discovered with the health insurance exchanges.

1.
If the employee is a low wage employee that refused employer provided insurance
he is not eligible for a government subsidy.

2.
If the federal government runs the health insurance exchange, the federal
government by law is not permitted to provide a subsidy. Only state run
healthcare insurance plans can provide subsidies.

Over
50% of the states have refused to run health insurance plans. Therefore people
who need subsidies are not eligible in over 50% of the states.

3.
The law calls for tax credits and not subsidies. All of a sudden the words “tax
credits” have been dropped in discussion. Only taxpayers who earn over $38,000
per year pay taxes. The only way a person can utilize a tax credit is by
deducting the tax credit from taxable income.

The
government has gotten around this problem by giving the healthcare insurance companies a tax credit in advance and calling it a subsidy for qualified
persons.

Those
workers who opt out of the employer provider plan for a health insurance
exchange plan would not be eligible for a government subsidy. 

A full-time worker earning $9 an hour would
have to pay as much as $70 a month for a mid level exchange plan from a health
insurance exchange, even with the subsidies, according to the Kaiser Foundation.

At $12 an
hour, the workers' share of the premium would rise to as much as $140 a month.

 A $12 an hour worker cannot afford to pay $1680
a year for healthcare insurance.

Mid
level coverage is limited coverage. A patient might need a higher-level plan that costs $200
a month or $2400 per year. This plan is out of reach for most patients making $40,000/year.

 "There are going to be many people who will
be ill and need a more robust plan,” a
health benefit
advisor proclaimed.

Currently, only one-quarter of workers eligible
for the mini-med plan take it. Ms. Newman said,
"We
really feel like the people who are not taking it now will not take it
then."

There
is a huge glitch in the health insurance exchanges’ individual healthcare
market. This glitch will make the health insurance exchanges more costly and
less attractive to all stakeholders. It will decrease the number of people
insured and increase the federal deficit.

The
majority of the individual market is comprised of low wage earners with
irregular work histories.

These people may be
self-employed or seasonal workers with surges of income. They could be
part-time workers with several part time jobs. 

Obamacare does not permit cancellation of the health insurance exchange
policy because it will mean that people will be in violation of the federal mandate
if they do not have insurance. 

The Obamacare bureaucrats realize that people receiving subsidies might
have a hard time paying the premiums even if they receive a subsidy.

These people live from month to month. Some have surges in income. Some
collect commissions one month and nothing the next month. Most have old cars.
They might suddenly need new brakes or new tires. Some might get the flu and have
to stay home without pay for a week. There are many reasons low wage earners
suddenly have a hard time paying healthcare premiums even if they are subsidized.

Many do not have bank accounts or credit cards. There is no such thing
as auto pay in their world.

The Obamacare bureaucrats writing the health insurance exchange
regulations are people with nice bureaucratic jobs with steady paychecks. They
have no idea how difficult it is to make ends meet for these people each month.

The healthcare insurance industry
does not care about these problems. It may provide for a grace period of a week or two. If a healthcare
policyholder fails to pay their healthcare policy premium the policy is
cancelled in the real world.

In the bureaucratic world of Obamacare the healthcare insurer cannot
cancel the insurance in the usual way.

HHS has created through multiple regulations a whole new and very
restrictive method of discontinuing healthcare policies that must be followed
to a “T” by the healthcare insurance industry.

This method will lead to even more dysfunction in the healthcare system.

HSS has instituted a 90-day grace period for paying premiums only for those
receiving federal subsidies from the health insurance exchanges
.  

At the end of the 90-day grace period the policyholders must pay the
entire three months due. If they could not pay the premium monthly how are
they going to pay the three month fee?

Aetna was not so dumb in dropping out of the health insurance exchange
system after all.

During the three-month grace period if a policyholder get sick and
needs care they will be entitled to care.

Who will bear the financial responsibility for the care? Not the
patient.

HHS has decided to split the financial responsibility between the
insurance companies and the providers. The insurance company will cover the
first month and the hospitals and physicians will cover the next two months.

After three months the insurance company can cancel the insurance.  However people can re-enroll again during the
next signup period without penalty.

If one is clever enough a patient can receive 12 months of care and
coverage for nine months of premiums without penalty.  

“Along with paying for services during the first month of
the delinquency, the insurer must:

1) notify HHS of the non-payment;

2) notify
providers of the possibility of denied claims during the second and third
months;

3) notify the insured that he/she is delinquent;

4) continue to collect
the advanced tax credit on behalf of the policyholder;

5) return the tax credit
for the second and third month to the Treasury;

6) issue a termination notice
to the insured at the end of the grace period.”

This procedure is a
very large administrative burden and potential financial loss because of the
federal government's decreases in funding. Most providers and insurance companies will quit
participating in the health insurance exchange program.

Rather than increasing affordability and access to care it will decrease
access to care and affordability of care. It will create a more dysfunctional
healthcare system.

 The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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One Picture Is Worth 1,000 Words

Stanley
Feld M.D.,FACP, MACE

One picture is worth 1,000 words.
The second picture says it all.

Chart of agencies 9 22 2013
The list of one humdred and fifty nine new bureaucratic new agencies can be found at https://libertylegalfoundation.org/obamacare-class-action/quagmire-of-new-obamacare-agencies/#.UkNfRmRgZlQ

The one hundred and fifty–nine new agencies generated by the
Accountable Care Act (Obamacare) increases the complexity of an already
uncontrollable bureaucracy. Americans have seen many examples of the
inefficiency and waste because of the growth of bureaucracy in everyday life.

Jpg height of rules
http://stanleyfeldmdmace.typepad.com/repairing_the_healthcare_/2013/09/employer-mandate-confusion.html

 

 To date, before Obamacare
has been in full swing, these agencies have created the pile of regulations
demonstrated by Mitch McConnell.

 What are the chances the
recipients of these regulations will understand and obey all these regulations?

 What are the chances the
government bureaucrats can enforce these regulations?

What are the chances favored,
privileged parties will be exempt from these regulations?

What is the value added cost
these agencies and regulations provide for the direct treatment of patients
with disease?

These are all good questions.
The answers are not readily available. The administration, our congressmen or the
traditional media do not discuss these questions.

The American public has
already felt the consequences of the growth of bureaucracy and regulations.

Seventy seven percent of new
jobs have been part-time jobs
. A person working less than 30 hours a week is
not required to receive healthcare insurance from his employer. Employers have
done this to avoid an Obamacare penalty.

Healthcare insurance
premiums for next year are skyrocketing. The Obama administration continually
tells the traditional media that insurance premiums will be affordable and
decrease in 2014.

True unemployment rises to
over double digits while government statistics claim it is falling. It is a
statistical trick.

Americans are noticing the
sting of the 20 hidden taxes Obamacare has put in place. Despite these taxes,
the deficit for this year remains one trillion dollars. It means the
administration is spending more despite the tax increases.

The Democrats keep saying we
must raise the debt limit. The Federal Reserve keeps saying we need to print
more money. President Obama keeps saying you must pay the bills Americans and
congress voted to incur. America cannot default on its debt.

Few are saying we must
decrease the debt by decreasing bureaucracy, regulations and inefficiency.

Fewer are saying we must
stop this overspending.

President Obama has given
countless waivers to countless companies. The first waver was MacDonalds which provides
Mini-Med insurance to their low wage employees. Mini-Med insurance is worthless.
It provides practically no healthcare insurance coverage.

President Obama figures that
all these people would sign up for the Health Insurance Exchange rates. These
exchanges would provide tax credits for the low wage income earner by law. The
law seemed to change in the last few months from tax credits to subsidies
without congressional approval. Law wage earners do not pay taxes and cannot
benefit from tax credits.

After October 1 we will see
if young healthy persons without pre-existing condition sign up for healthcare insurance
through these health insurance exchanges.  

 The only insurance rates
seen through these exchanges so far are the California health Insurance exchange
rates. The rates are too high to buy adequate healthcare coverage for someone
making $40,000 per year. The affordable rates do not provide adequate healthcare
insurance coverage.

 The Obama administration
claim’s that the New York State rates are lower than the private insurance
rates. It might be true for certain levels of coverage. The reality is the
private insurance rates in New York are too high. The New York State Board of
Insurance permits healthcare insurance companies to receive an unconscionable
return on investment.

A one year delay of
Obamacare for corporations will get President Obama past the mid term
elections. It will permit public awareness of the harm Obamacare is doing to
the economy which the administration is striving to keep hidden.

After the election cycle it
will dawn on the majority of the public that Obamacare is a destructive
train-wreck to the economy and economic growth.

The delay will also have a
lesser effect on the tremendous increase in deficit spending that would
diminish the debate on the administration’s overspending.

President Obama doesn’t seem
to think deficit spending is an important issue.  He is also not bothered by the Federal Reserve’s
quantitative easing.

The most offensive action by
President Obama is exempting congress and the congressional staff from
Obamacare.  

Why should the individual
hard working person suffer the effects of Obamacare when government officials
do not? 

Can Obamacare work when we
have so many agencies generating so many regulations? Can it work when so many
people have waivers and exemptions?

I doubt it!

No only is it not fair to
hard working people. It is probably unconstitutional.

It doesn’t look like the
American individual taxpayers that are not exempt from Obamacare are going to
get much help from the Supreme Court.

Maybe President Obama’s goal
is to destroy the healthcare system’s infrastructure. He is setting up the
failure of Obamacare.

Obamacare seems to be designed
to destroy our healthcare system. Maybe Obamacare is not supposed to work. Maybe
it is designed to cost so much that the entire economy will fail.

This can be the only reason
Obamacare has been permitted to continue to exist by both Democrats and
Republicans.

Obamacare is neither affordable
nor executable.

 The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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Who Losses? Who Wins?

Stanley Feld M.D.,FACP,MACE

IBM wins because it wants out of
providing healthcare insurance for retirees.

The government wins because it gains more
control over the healthcare system.

It is as if big business is playing right
into the Obama administration’s hands.

 The healthcare insurance industry wins because
it gets more administrative services fees from the government without risk.

The brokers for the healthcare insurance
industry win because they will take more commissions from individual consumers than
they would from an institutional company.

IBM retirees
lose.

 Most retirees will go on Medicare Part B or
Medicare Advantage. President Obama is planning to eliminate Medicare
Advantage.

Medicare Part B is means tested so the
more income that is generated from any source by a retiree the higher the premium
paid to the government for Medicare Part B.

The Medicare premiums are paid with pre
tax dollars from retirees Social Security payment. The supplemental insurance
(Medicare Part F) covering deductibles and co-pays are not tax deductible.

Medicare is increasing the deductible and
co-pay requirement in 2014. Therefore the non tax-deductible supplemental
premiums will increase in price.

The premiums of both Medicare and
Medicare supplements for services and drugs can amount to more that $16,000 a
year for a husband and wife calculated in terms of after tax dollars..

Large companies provided the healthcare
coverage as a benefit to retirees tax-free.

IBM has been trying to get out of
providing healthcare coverage for employees since 1999. Obamacare has provided
an excuse for IBM to discontinue its coverage for retirees.

General Electric (GE) made the same
announcement a while ago. Time Warner made its announcement right after IBM.

Companies who have changed their
healthcare coverage for retirees include DuPont, Caterpillar, Sears and Darden
Restaurants.

Many more companies are about to joint in.

It is obvious this was coming as a result
of Obamacare.

The move
disregards the social contract made with employees when employees were first
hired.

International Business
Machines
 Corp.
(IBM) is going to discontinue its company-sponsored health plan for about
110,000 retired employees.

 IBM plans to provide retirees a fixed payment.
The payment will be used for retirees to buy their own health care coverage
through a “private” health insurance exchange.

 Once retirees are eligible for Medicare at age
65, IBM would not be responsible for managing these retirees’ healthcare
benefits.

IBM said,
“the growing cost of care makes its current plan unsustainable without big
premium increases.”

IBM told retirees, “that its current retiree coverage will end
for Medicare-eligible retirees after Dec. 31, 2013.”

IBM is shifting the responsibility to the
retirees for buying their own coverage through “Private Health insurance
Exchanges.”

It sounds like a costly rip off to the retiree.
IBM is providing a subsidy for now. Then IBM will discontinue the subsidy.

One Private Health Insurance Exchange
executive said.

"Companies
were turning off plans," he said. "We've given them a proven way to
subsidize. At some point every single retiree will join a Medicare
exchange."

Some union-affiliated groups and retirees
weren't convinced. Lee Conrad, national coordinator for the IBM Global Union
Alliance, said

The
worker group
sees this as
just another take-away of retiree and employee benefits."

Donald
Parry, an engineer who retired in 1992 after nearly 32 years at IBM, said he is
concerned he may have to pay more. "The worst thing right now is not
knowing what's going on,"

At the moment the cost of the government
providing Medicare coverage is unsustainable according to the CBO. This is
despite Medicare premiums being means tested and the escalation of Medicare
premiums.

Despite the increase in premiums Medicare
will run out of funds by 2024.

The choices are higher means tested
Medicare premiums (redistribution of wealth), decreased access to care or
rationing of care. I believe it will be all of the above. The burden of this
change will fall on the taxpaying consumers’ shoulders.

As big businesses drop coverage for
retirees, the Medicare roles will increase and the government will run out of
fund prior to 2024.

Excessive costs, commissions, and bureaucratic
inefficiencies part of any government program.

The Obamacare bureaucracies seem to have
no concern for the inefficiencies and increase in deficit spending.

It is as if they are saying, “Bring it on.”
All the government wants is control of the healthcare system.

The result will not be affordable care.
It will be unaffordable care that is rationed with limited access to care.

 The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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You Cannot See the Pattern Unless You Look

 Stanley Feld M.D.,FACP,MACE

Let us assume President Obama wants to destroy the
healthcare system. I have presented steps taken by the Obama administration to
accomplish that goal.

It is possible that this assumption is correct.

It looks as if President Obama uses the same patterns
in the actions he takes to govern.

He promises a group something that group wants to
hear. Then he disregards the promise. He acts to further his political agenda.

This methodology is not the methodology of
leadership, nor does it promote trust.

However, he
has used the same methodology in finance, in the environment, in immigration,
in defense, in energy, in racial relations, and most of all in Medicine.

He first captures his base with ideas that promote
their vested interest. He then undermines his base’s vested interests replacing
these vested interests with his own political agenda.

The
next step is to shift the blame to someone else.
His best victim has been the Republican Party. It
is incomprehensible to me that the Republican Party sits back and takes it. I
guess it is politically correct to do so. However, it does not win elections.

If an element of his base makes a big enough stink,
he provides an executive waiver for the issue.

Some of the patterns are hard to see. The
traditional media under reports them.

Other actions using the same pattern are not seen
because they are not examined carefully. They are only seen after they have a
direct affect on an individual’s or group’s vested interest where they have
been betrayed. This leads to mistrust.

President Obama then proceeds to become the judge.
As judge he plays one group against the other.

He now has angered adjunct university and colleges
teachers. This group has been a steady ally.

“Adjunct faculty at a local college
were asked to sign a 
petition to the White House to "explore
options to prevent colleges/universities from cutting adjunct and contingent
faculty hours to circumvent [the] PPACA," better known as 
ObamaCare

This is in
response to the massive assault on the livelihood of adjunct faculty who
now face devastating salary cuts as a direct result of Obamacare.

University and college
professors have universally been President Obama fans. The tide is shifting for
President Obama.

He has blamed the
shifting tide on the Republicans.

In medicine President
Obama’s budget cuts have already resulted in rationing of care and a decrease
in access to care. Cancer Clinics across the
United States are turning away thousands of Medicare cancer patients.

The cost of the
medication to the cancer clinics is higher than   government reimbursement for the medication.
 

"Patients at these clinics would need to
seek treatment elsewhere, such as at hospitals that might not have the capacity
to accommodate them
."    

The reduced Medicare
funding already has taken place April 1,2013.

Cancer treatment in
hospitals, in many cases, are 2 to 4 times higher than treatment in outpatient
cancer clinics just as surgery done in an outpatient surgery clinic is one half
to one fifth the cost of surgery in a hospital.

Yet the hospital systems
continue to receive adequate fees.

 The Community Oncology Alliance, which
advocates for hundreds of outpatient cancer clinics nationwide has sent letters
to legislators urging them to exempt cancer drugs from the seques
ter for outpatient cancer
treatment to make less expensive outpatient cancer treatment available to
patients.

 The hypocrisy of President Obama, who early on
claimed that the passage of the American Recovery and Reinvestment Act (ARRA)
would "launch a new effort to conquer a disease that has touched the life
of nearly every American
.

 Thus, it
is perplexing that the cuts outlined by CMS will negatively impact cancer
patients, making advances in cancer care more difficult to deliv
er."

Seniors could not know
about this until they develop cancer and experience the cost. It too has been
under reported.

President Obama who introduced the idea of sequestration, in his
negotiations for a continuing resolution last year, has refused to take
responsibility for it.

Republicans attempted to
make the sequester cuts "less reckless,” such as severe military cuts,
closing the White House to visitors and all the other restrictions President
Obama introduced for this two per cent cut in the budget.

Harry Reid said the
Republican’s proposed cuts were dead on arrival in the Senate.

 “Thus,
Obama's duplicity emerged, as he sought to blame the Republicans for
sequestration even though he originated it.”

There have been many instances where the
Obama administration has divided Americans into class warfare. The class
warfare has occurred in immigration reform, cancer victims vs. non cancer victims,
union workers vs. non union workers, right to work states, college teachers and
the administrators, black vs. whites and rich vs. poor for example.

The traditional media
fill the airwaves with these distractions. The real issues are diverted by the
distractions. President Obama plays “Wag the Dog” constantly.

Some examples of real
issues would be how to solve the problem of government inefficiency, waste,
fraud and abuse. It is not to create more agencies, rules and regulations and
impediments on business development to destroy job growth?

Why beat up on doctors
and patients when the real problems are insurance companies, hospitals and tort
reform despite the administration and its advisors’ denials.

Why is he giving out preferential
waivers? America should be outraged to have Obamacare passed into law by a
Democratic Party, which then in turn receives a waiver from President Obama by
executive order to be exempt from Obamacare.

The media should be
outraged. Instead the media has given congress and the President a pass.   

“Though I value my First Amendment right to
petition the government for change, we need far more puissant action.”  

We need to demand a total eradication of Obamacare.
 And it needs to be done as a united front.  Otherwise, we actually
play right into President Obama's overarching aims of 
divide
and conquer
 by
duplicity and coercion.” 

President Obama wants to
avoid personal blame for the expensive, unwieldy health care law. He will
probably figure out a way to blame Republicans for its failure.

The majority of the
people are against the healthcare law. Physicians know it will make the
healthcare systems problems worse and more expensive.  Yet the President ignores all of these voices
while he is spending massive amounts of money on marginally added value medical
projects.

Some believe the tactics
used by the used by the President to pass the healthcare law started all the
problems. In reality Obamacare is a bad law that will be impossible to
implement.

President Obama always uses
the same pattern to avoid personal blame. (“I
did not draw a Red Line, the international community did
”). He always
diverts our attention from the real problems. He tells lies or half-truths
about issues, and divides and conquers to create class warfare.

He uses the same moves
over and over again. If America doesn’t start looking, Americans will not see
the destruction to most of our institutions.

The so-called unintended
consequences in every area might not be so unintended.

President Obama is
accomplishing exactly what he wants to accomplish. It looks to me as if he
wants total government control over our society. Many institutions have begun to
crumble before he reaches his goal.

The disregard for our
constitution is one vivid example. 

What massive government
intervention means to me is that it is creating more misery, resentment and
anger among all the diverse groups in American society. 

Most Americans believed
President Obama when he said it is time for a change. It was time for a change.

 Since he did not define the change he was seeking,
we all assumed it would be for the better.

Our assumption was
wrong. 

It is time we start
looking and seeing.

 The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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    Hey, I think your blog might be having browser compatibility issues. When I look at yoir blog in Ie, it looks fine but when opening inInterfnet Explorer, it has some overlapping. I just wanjted to give you a quck heads up! Other then that, superb blog!

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Permalink:

Employer Mandate Confusion

Stanley Feld M.D.,FACP,MACE

Confusion
about any rules or regulations is not good for business, bad for job growth and
bad for the economy.  Large and small
enterprises become cautious and are afraid to spend money on expansion.
Expansion might increase a tax liability without increasing production.

A
few months ago there was a dispute about how many new rules and regulations
have been released by the Obama administration to implement Obamacare.

“Implementation has
also become a bureaucratic nightmare, with some 159 new government agencies,
boards and programs busily enforcing the roughly 20,000 pages of rules and
regulations already associated with
this law.”

Sen.
Mitch McConnell (R-Ky.), on the third anniversary of the law’s passage,
March 22, 2013

The process the McConnell folks used is fairly
simple. They went to the Web site for the Federal Register and
searched for “Affordable Care Act,” the official name for the health-care law.
That turned up 897 documents.

On the Web site, there’s a button that will download
the documents to an Excel spreadsheet (CVS/excel). Then you use the sum feature
on Excel to add up the pages and presto, you end with 20,202 pages. These were
then printed out and duly stacked in a pile.


Jpg height of rules

Mitch
McConnell might be way off in his calculation. The rules and regulations are
reported in the small print Federal Register. It is possible as many as 40,000
rules and regulations have been published. All of the rules and regulations for
Obamacare will not have been written by January 1, 2014. 

2nd Mcconnel jep

The
cost of the writing of the rules and regulations, the cost of the formation of
new agencies formation, and the cost of implementation have not been discussed.

Rules
and regulations tend to be open to misinterpretation, conflict, lawsuits and
lack of enforcement.

An
increase in rules and regulations leads to more confusion and conflict. Some
rules contradict other rules. This results in greater inefficiency and more not
less costs.

Our
healthcare system can ill afford more non added value expenses.

The
IRS is going to be in control of enforcing the “Employer Manadate.” Many of the
rules and regulations have been written. However, many of the IRS’s rules and
regulations are not clear.

I
have written about employers decreasing the number of hours employees are
permitted to work in order to avoid the penalty “tax”
of not providing healthcare insurance for full time workers.

Seventy
seven percent of the “job growth” in the past few months has been part time
employment growth.
The Obama administration has consistently denied this is
true despite the Bureau of Labor statistic reports.

What
is part time employment? It has been defined in Obamacare as an employee
working less than 30 hours a week.

“Just to understand how the penalty applies practically requires
flow chart. But as the Internal
Revenue Service has tried to 
interpret the mandate, the
agency and the businesses and employees affected by the mandate are discovering
that it is even more challenging than it reads.”

Answers to questions by
the I.R.S. have generated even more questions. Confusion mounts as more rules
and regulations are generated.

A big question has
surfaced. How does an employer determine whether employees whose hours fluctuate
should be offered insurance or pay a penalty “tax”?

Obamacare sets that
threshold at 30 hours per week. Many companies schedule some of their work
force on variable hours. An employee might work 25 hours one week and 33 hours
another week. 

In its preliminary
rules
, released late last year,
the I.R.S. devised an approach to the problem of the variable-hour employee
that it calls the “look-back measurement method.”

The I.R.S regulations
would allow an employer to choose a measurement period of three months to a
year in which to average the employee’s weekly hours.

The measurement period
would then be followed by a stability period of a year for a total of two
years.

Is anyone following this?

If an employee’s schedule
averaged out to full time (over 30 hours a week) during the measurement period,
then the company would be obliged to offer health insurance in the stability
period or pay a penalty.

The new measurement period
would begin immediately after the old one ended. The process of measurement and
stability periods would begin again.

 If the company anticipates that a new hire
will work full-time (over 30 hours a week), it must offer insurance by the
start of the fourth month on the job.

 Why not offer insurance immediately on hiring
the person? Is this not confusing?

 To make things more confusing, what happens if
an employee goes from full time to part-time?
The rules were unclear. “Do you get to keep your coverage?”

The I.R.S. took the
position that the employee would keep the coverage through the end of the
stability period.

If it turned out that the
worker still managed to average a full-time schedule, which would be possible,
if he or she made the switch late in the period. The company would have to
offer insurance in the next stability period as well or face the penalty.

A full-time employee who was
switched to part-time in August, before open enrollment in October, would be
entitled to an additional 16 months of insurance coverage.

Employers have figured out
they should fire the employee and avoid the penalty or the insurance coverage.
This is not good for job creation or the economy.

The law and its rules are
encouraging these actions.

The rule also penalizes an
employee who is switched from part time to full time employment. The employee
has to wait at least a year before the employer must offer that employee
insurance coverage rather than by the fourth month.

Measurement and stability
periods should be used to infer a status of variable-hour employees only,” 

“Once an employee is no longer a variable-hour employee and is
in a full-time position, he or she should be offered coverage within, at most,
four calendar months.”

Is all this confusing? You
bet. Just visualize the cost of the mountain of paper work and reports.

Is all of this cost
effective? No!

This represents a tiny
fraction of the rules and regulations by the Affordable Care Act (Obamacare) that
are causing confusion.

The more confused one gets
the less one wants to participation.

The only option left is a government
take over of the healthcare system. It wouldn’t be bad except for the fact that
America cannot afford it, and the government could not implement it without a
terrible cost to society.

It would result in
rationing of care and a decrease in access to care. The only solution is for
consumers to be responsible for their own care and control their own healthcare
dollars.

 The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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  • spinal shock cure

    A dog’s nail consists of two parts, the quick which contains blood vessels and is the base of the nail. All in all, controlling the cost of health insurance plans is essential. Most people who change or lose their jobs also end up losing the health coverage and the Health Insurance Portability and Accountability Act (HIPAA) that was passed in 1996 intends to protect individuals and their families from loss of health insurance.

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Permalink:

America’s Rural Hospitals Are Being Destroyed

Stanley Feld M.D.,FACP,MACE

There is no question the federal government must decrease the amount of
money it is spending on healthcare. It simply cannot sustain the increasing
cost of health care.

Instead of figuring out how to make the system more efficient and cost
effective, the Obama administration is slowly destroying assets that have been
built at great costs to society in the past.

One example is the community hospital systems in large cities and the
voluntary hospital in smaller cities.
The government has subsidized their
development with tax incentives and reconciliation paybacks.

In recent years rural hospitals have been failing because of decreasing
government reimbursement. Many service the poor and elderly with emergency care
and outpatient clinics.

  • The role and structure of rural
    hospitals is changing,
    but they continue to be important local and
    regional centers of health care activity.
  • Rural hospitals tend to depend
    more on Medicare and Medicaid patients.
  • Most rural hospitals are organized
    on a not-for-profit basis
  • Rural hospitals make an important
    contribution to rural economies; expansion and diversification of the
    services that they offer will be important in their survival.
  • The quality of care provided in
    rural hospitals is generally equal to that provided by urban institutions,
    with some exceptions.

The Department of Health and Human Services' Office of the
Inspector General has recommended that Congress allow the Centers for Medicare
& Medicaid Services to strip critical access designation from any hospital
that was brought into the program under a state "necessary provider"
designation.

Brian Jordan, a program analyst for OIG's Office of
Evaluation and Inspections in Chicago, said that nearly 1,000 of the
approximately 1,300 critical-access hospitals
in 45 states gained the "permanent exemption"
under the necessary provider designation. Congress closed the loophole in 2006,
but grandfathered in the hospitals.

“Without
that designation, Jordan said about 800 hospitals would not have met location
requirements in 2011 because they were too close to another hospital.”

The "necessary provider"
designation is withdrawn if two hospitals are within 15 miles of one another.
It is estimated that Medicare could save 1.3 million per year for every
hospital eliminated from the necessary provider program.  

The total cost savings from eliminating
these rural hospitals would be less
than the
amount of money all salaries of the CEOs and other healthcare executives of healthcare
insurance companies take from Medicare a year.

If there is a problem with rural
hospitals it is their inefficiency and waste. The inefficiency should be fixed.
If the government wanted to do something constructive it should help rural
hospitals fix the inefficiencies.

The
“necessary provider hospitals “never had to meet the distance requirements."


 Necessary provider hospitals get paid more
from Medicare than non- designated hospitals. As towns expand new hospitals are
build close to the older standing hospitals. 

Maybe having a rural hospital in a
small city will increase economic growth of the area? It attracts industry and
more jobs. Many communities need two rural hospitals.

Both hospitals receive necessary
provider status and increased payment.

 Alan Morgan, CEO of the National Rural Health
Association, blasted the report. He said the OIG report would kill rural health
and access to healthcare. The closing of 800 rural hospitals would also close
emergency services in local communities, eliminate rural health clinics, access
to mental healthcare and nursing home support.

Morgan said, OIG
viewed this with blinders on
, not looking at how healthcare is delivered in
rural America.

"It's
about access and this report is only about finances and not access. It is a spending and finance issue and we seem to
have forgotten the rationale for the creation of this program, which was an
access issue."

If the Obama administration is trying to help
seniors and the underprivileged it should study this decision more carefully. I
can only imagine the cost of the unintended consequences to all taxpayers.

I believe the Obama administration wants to
destroy the entire healthcare system and replace it with a single party payer
system.

It is time to go after the real excess cost
drivers in the healthcare system. It is a mistake to destroy the infrastructure.

The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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Some More Obamacare Deceptions

Stanley Feld M.D.,FACP, MACE

 Does anyone remember the CLASS Act as part of
the Obamacare promise for affordable healthcare coverage? I do. It sounded
great but I knew it couldn’t be done without tremendous cost to the federal
government.

It would drive deficit spending through
the roof.

The CLASS Act (Community Living
Assistance Services and Support) was shut down 19 months after passage of
Obamacare.

 There was little discussion
of the CLASS Act until Kathleen Sibelius’ announcement to discontinue
CLASS.  

 She said,

 The administration was shutting down CLASS. After 19 months of research and consultation, “we have not
identified a way to make Class work at this time.

The thing that bothers
me the most about Obamacare is the sneaky machinations the Obama administration
uses to hide the bad news about Obamacare from the American public. When the American
public finds out they are disappointed and feel deceived.

However, it also feels
so complicated that they tend to ignore it.

 When the Obama administrated delayed the
employer mandate for a year employers were relieved. None of the traditional
media made a big deal about delaying the employer mandate which meant that Obamacare was
in trouble.

 Some conservatives and conservative outlets
cried, “Why not delay the individual
mandate as well?”

The reason is obvious.
The Obama administration wants the entitlement to start whether it is ready or
not so it cannot be repealed or discontinued. People do not like to relinquish
a freebie.

As soon as that
discussion was over the government announced that the verification process for
subsidies might not be ready until October 1, 2013.

If the tests find security
problems in the verification systems, the information officer could delay the
marketplace opening or decide to open the insurance exchanges with
less-than-optimal assurances that users’ personal information is adequately
protected.

The Obama administration
then announced it would provide premium subsidies on an “honor system” so as
not to delay the onset of the individual mandate.

“The administration promises no one will lie
because once they get the verification process started they will be able to
find out who lied about the subsidies
.”

The Obama administration’s
navigators program is a program to train and pay people to go into the
community and sign up people to enroll in the Obamacare health insurance
exchange
.  

“More than 100 groups
will split $67 million to help people “navigate”
the new Obamacare health insurance
exchanges.”

These “navigators” will have to undergo mandatory federal
training and become certified.

The 67 million dollars is more money than the
administration initially
said would be available but short of what advocates
say will be needed to help people sign up”.


It sounds like another cash for clunkers program.


When are Republicans or
Conservatives going to say something to make the public aware of what is going on?

To add insult to injury
congress exempted itself from Obamacare because of economic hardships leaving
ordinary people to be subject to penalties if they do not join the health
insurance exchanges.

 The Obama administration has given over 2,000 group
waivers.

The Obama administration
and Harry Reid and Nancy Pelosi are working on the Unions’ problems with
Obamacare. One could bet that it will be fair to the Unions as the rest of us
are ignored.

 With all of the IRS’s problems of late it is
frightening to think of the IRS monitoring abuses of Obamacare.

The IRS employees union
is presently seeking a way to get a waiver from Obamacare.

And speaking of haunting, does anyone in this
country look forward to being scrutinized by the IRS on every aspect of his or
her personal health care decisions, especially after we learn of the
politicizing and privacy abuses by that agency?”

 Does anyone remember the 60 lawsuits the
Catholic Church initiated challenging President Obama’s contraception mandates?

The church claims the mandate to provide contraceptives represents an attack on
religious freedom and the first amendment.

Despite all this the
traditional media and President Obama keep saying Obamacare is right on
schedule.

We have heard nothing
about the extra costs Obamacare is generating for start-up and implementation. 

Last weekend Harry Reid let the cat out of the bag. President Obama real goal is to have Obamacare fail and replace it with a single party payer system.

  

Harry Ried and a single party payer

 http://youtu.be/SXgSKwYMnWo

The biggest political maneuver by President
Obama of all is the maneuver to delay the law’s caps on out of pocket expenses for consumers
such as for deductibles and co-pays.

This is perhaps the most
attractive benefit of Obamacare after guaranteed insurability.  

"Section 2707(b) of the Public Health Service Act, as added by Obamacare, requires that “a group
health plan and a health insurance issuer offering group or individual health
insurance coverage may not establish lifetime limits on the dollar value of
benefits for the any participant or beneficiary.”

Annual limits on cost-sharing are
specified by Section 1302(c) of the Affordable Care Act; in addition, starting
in 2014, deductibles are limited to $2,000 per year for individual plans, and
$4,000 per year for family plans.

This is a wonderful
benefit. If someone gets sick he is only liable for $2,000 if single and $4,000
if he has a family.

The problem arises when the
healthcare insurance industry calculates the premium with this benefit included.
The insurance premiums skyrocket. Premiums are scheduled to dramatically
increase in 2014.

President Obama’s
problem is that 2014 is a congressional election year. Skyrocketing premiums in
2014 may make Obama fans and the Democratic base angry with President Obama and
the Democrats running for congress.  

President Obama having
gotten away with all his other delays in implementation simply delayed this
part of the law until after the election.

The American public
doesn’t realize that he has delayed perhaps the best benefit in the law from
the public’s viewpoint. His hope is the public will not notice the delay with
the help of the traditional media’s lack of coverage.

In 2015 he will sock the
increased premiums to the public. He will then blame it on the
Republicans. 

There are two basic
issues. The first is the need for the public to realize all these deceptions in
Obamacare.

The second one is the
public is beginning to realize that it cannot trust President Obama or congress
to represent its welfare.

It is time for
Republicans to stand up and put an end to this charade. I hope someone has the guts
to do it.

The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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Permalink:

A Review Of The Deception In Obamacare

Stanley
Feld M.D.,FACP, MACE

The goal to provide
affordable healthcare and access to care for all Americans is an admirable
goal.

Obamacare is making
Americans dependent on the government for their healthcare access and health
decisions. This is bad.  

President Obama is doing
this slowly but surely. The goal is to first destroy the present healthcare
system. The more he destroys, the more the stakeholders, healthcare insurance
industry, hospital systems, physicians, drug companies and patients game the
system

Americans are known to
be individualists. They cherish their freedoms. However, over the last 50 years
many entitlements have been introduced at the price of forfeiting many
freedoms.

Some entitlements have
been for consumer protection. Others have not.

Obamacare is about
government control and takeover of the healthcare system. President Obama
understands that he cannot force people to do what they do not want to do.

However they will do
anything when they have no choice. He is creating a no choice environment
slowly but surely. He is doing it with a bad law, lots of lies and
disinformation, and a golden tongue,

He changes and ignores
parts of the law he wrote to fit he needs by executive order, disrespects the
will of the people and congress and folds to pressures of lobbying from his
base. He marginalizes his enemies.

His changing the law
without the consent of congress is probably unconstitutional. However no
Republican has questioned his tactics.

He stays on the
offensive and keeps Republicans on the defensive. Republicans must have someone
who could parry his offenses and put him on the defense even though he has the
unequivocal support of the traditional media.

On Friday August 9th
was a perfect example of this offensive.

 The idea that you
would shut down the government unless you prevent 30 million people from
getting healthcare is a bad idea.
..

I'm assuming they will not take that path…I have
confidence that common sense, in the end, will prevail.

He explained his delay
of the employer mandate by saying going through congress would be the
"normal thing" to do "but
we're not in a normal atmosphere around here when it comes to
'Obamacare.'"

The president called efforts to defund and repeal Obamacare the
Republicans' "holy grail" and an "ideological fixation."

You have got to give it
to him. No one would ever think Obamacare is having so much trouble because it
is a lousy law, that is impossible to build out its structure, Impossible to
implement, impossible to execute and impossible to enforce.

The majority of the
country and majority of the stakeholders are against the bill. President Obama
just goes right ahead despite the will of the people.

Obamacare did not get
one single Republican vote. President Obama’s twist and turns have kept
Republicans in a reactive and defensive mode.

Every time Republicans
go on the offense they are blamed for the bad law’s (Obamacare’s) failure. They
do not answer back.

I believe the majority
of the people know what President Obama is about. They do not trust him. The
lack of trust renders him ineffective.

Someone needs to turn
the tables on him.

I also believe President
Obama is about to turn the tables on himself. His says he is all ears for a
good idea but Republicans have not presented him with one.

This is not true. The
problem is President Obama doesn’t listen.

The list of lies and
misrepresentations are enormous. These lies and misrepresentations have
resulted in the lack of trust.

 Below are some of the things promised that so
we should not forget.

 1. Imposing President Obama’s idea of
transformation by social engineering in which the majority of the population
does not agree with.   

 2. Imposing 21 hidden taxes that few knew
about before the bills passage. Few knew the effect of these taxes on small
business until after passage of Obamacare. These tax increases amount to
the biggest tax increase in our history.

This occurred after
President Obama pledged no new taxes for anyone making less than $250,000
dollars. All of these taxes are passed on to consumers.

3. The medical device
tax alone is a job-killing and innovation-stifling medical device tax.  33 Democrat senators are now opposed to this tax. He does not have the support of his
party on this tax.

4. Independent Payment
Advisory Board (the IPAB) is going to ration healthcare. Sarah Palin called it aka death
panels. Howard Dean, recently termed it a "health care rationing body" that
Congress should be "getting rid of." The Obama administration insists
there is not going to be rationing of care.

5. The original CBO
cost estimate was a reduction in healthcare costs in 10 years. The
CBO used six years of costs and ten years of taxes. The next estimate using
rigged numbers given to the CBO by the Obama administration was less than $1
trillion.

The ten-year CBO cost
estimate has now reached $2.6 trillion. We have not heard from the Obama
administration about this new estimate.

6. Health
insurance premiums are soaring despite President Obama’s recent statements that
healthcare premiums are falling. All employer and employees will say President
Obama is wrong.

Four years ago President
Obama promised the public that, “Obamacare
would 
reduce a "typical family's premium by up
to $2,500 a year."

 7. We will all recall these famous lines, “If you like your doctor, you
will be able to keep your doctor. Period.”

  If you like your healthcares plan, you will be able to
keep your health care plan. Period.

  “No one will take it
away. No matter what.”

No statement is more
dramatic but false.

8. Obamacare is making an already serious shortage of doctors worse. Many physicians are opting out of Obamacare, Medicare and Medicaid.

To make thing worse
patients will have to pay physicians directly. The Obama administration
published a new rule for seniors. CMS will not reimburse patients the 70% of
their out of pocket expenses for physicians that do not accept Medicare or
Medicaid.

The result will be an
increased out of pocket burden for all patients, rich and poor.

9. Many employers
are likely to drop health coverage. There has been widespread reduction of work hours to avoid paying an Obamacare
mandated penalty to provide employee health insurance.

 Obamacare has created a burden on economic
growth. It has resulted in the creation of "seven times more part-time jobs"
than full-time jobs. It has decreased the living wage for millions of Americans
and created millions more uninsured patients.

These part time workers
will be forced to buy insurance through the health insurance exchanges. This
will balloon the federal deficit even further.

10. The states have been
given the option to participate in health insurance exchanges and expanding
Medicare and Medicaid. Thirty three states have refused to participate. They
know they cannot afford to increase their states’ budget deficit.

11. The healthcare
insurance industry thought it would make a killing by insuring people through
the health insurance exchanges. In Medicare and Medicaid they bill the
government for doing the administrative services. President Obama has changed
the promised health insurance rules. Several insurers are leaving all of the states. More are to follow.

12. Recent surveys show that 63 percent of voters think the law
needs to be changed, and a 57-percent majority feeling that implementation is
"a joke."

This is happening despite
the traditional media helping President Obama’s political campaign to promote
Obamacare.

These are just a few of
the reasons for the mistrust of the administration.

Next will be a summary
of President Obama’s probable unconstitutional delays in the law without
congressional permission.

Max Baucus was
corrected. Obamacare is an expensive train wreck.

 The opinions expressed in the blog “Repairing The Healthcare System” are, mine and mine alone

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