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The Next Obamacare Tragedy

Stanley Feld M.D.,FACP, MACE

Late in the afternoon March 25th  the Department of Health and Human Services announced that it is extending the enrollment period for Obamacare to April 15th from March 31st.

“The Obama administration has decided to give extra time to Americans who say that they are unable to enroll in health plans through the federal insurance marketplace by the March 31 deadline.”

Those who are going to apply have enough time to apply in seven days if the website and the navigators are working correctly.

It sounds as if enrollment figures are not good.

“Under the new rules, people will be able to qualify for an extension by checking a blue box on HealthCare.gov to indicate that they tried to enroll before the deadline. This method will rely on an honor system.”

“The government will not try to determine whether the person is telling the truth.”

This is not a very good way to run a business.

The next tragedy in the implementation of Obamacare is providers’ participation in the Affordable Care Act. There is so much uncertainty in the Obamacare that many physicians and physician groups have opted out of participation in Obamacare.

In California, independent insurance brokers who work with both insurance companies and doctor networks estimate that about 70 percent of California's 104,000 licensed doctors are boycotting Covered California, the state health exchange.

Dr. Richard Thorp, president of the California Medical Association said,  “It doesn't surprise me that there's a high rate of nonparticipation,” 

The CMA represents 38,000 of the roughly 104,000 doctors or 20% of the physicians in California. Dr. Thorp said nothing about the California Medical Association doing a study to determine the percentage of physicians who are not participating in Obamacare.

However the Daily Kos ranted about the Washington Examiner story not being true.

“The latest right-wing disinformation campaign, all over the far-right media is that 70 percent of California's doctors are boycotting Obamacare. Is it true? Of course not. Is anything the Washington Examiner, WND, or Breitart publishes true?”

However the Daily Kos did not offer any facts about what is true.

It is a typical Alinsky disinformation tactic. You must freeze your enemy and then criticize and discredit him.

The LA Times reported in December that the state exchange Covered California reported,

In fact, according to Covered California, the only source with verifiable numbers, some 58,000 doctors, or more than 80% of the state's practicing physicians, will be available to enrollees in the exchange's health plans.

First of all, 58,000 physicians are not over 80% of California practicing physicians, if the 58,000 number is true. It is 55.77% of practicing physicians.

“Covered California says that the doctors participating in its exchange plans include 100% of Kaiser Permanente's 14,000 California doctors, 43,000 taking HealthNet patients and 35,000 in Blue Shield's network. (There's probably some overlap between the latter two networks.)”

The twisting of the facts is the method of operation.

On February 7, 2014 the LA Times reported Covered California admitted there are many errors in their physician directory.

“Admitting Covered California gave some consumers bad information, California's health insurance exchange pulled its physician directory for having too many errors.”

It appears that Covered California was not a very good source for the LA Times and Daily Kos to quote. Both media outlets called the Washington Examiner story a right wing lie.

Covered California made the move late Thursday amid growing frustration among both consumers and doctors over inaccurate information about insurance networks in the state marketplace.”

California patients are discovering that their physicians are not participating in Covered California. Some have discovered that they are not covered by healthcare insurance coverage at all because of computer glitches.

The exchange previously yanked its online directory of medical providers in mid-October after acknowledging there were serious problems then with the data. It published an updated list in November.

The updated list at that time still had some serious problems. The list misled consumers into signing up on the exchange. Covered California is bragging about the number of people they have signed up.

California is supposed to be the star of the state exchanges. Yet they had to close down the exchange in February for repairs and updates. The federal government gave the state exchange an additional $155,000 million dollars to fix the exchange. This is not a small amount of money for a “superb exchange”.

Here are some facts from practicing physicians.

In September 2013 insurance companies disclosed that their rates would be pegged to California’s Medicaid plan, called Medi-Cal. This is contrary to the Daily Kos claim that the physician fees are negotiated.

Dr. Theodore M. Mazer, a San Diego ear, nose and throat doctor is quoted as saying, “In other states, Medicare pays doctors $76 for return-office visits. But in California, Medi-Cal's reimbursement is $24,.” “In other states, doctors receive between $500 to $700 to perform a tonsillectomy. In California, they get $160.

It is logical that physicians in California would say no to the state exchange, Covered California. No matter what lies the spin masters use the facts are the facts.

Physicians say, “We need some recognition that we’re doing a service to the community. But we can’t do it for free. And we can’t do it at a loss. No other business would do that,”

 

California physicians have protested that the Covered California's website lists many doctors as participants when they aren't. This is false advertising.

“Some physicians have been put in the network and they were included basically without their permission,” Lisa Folberg said. She is a CMA’s vice president of medical and regulatory Policy.

Donald Waters, executive director of the Alameda-Contra Costa Medical Association said. “They may be listed as actually participating, but not of their own volition”.  

Waters said. He called the exchange's doctors' list a “shell game” because “the vast majority” of his doctors are not participating.

 “This is a dirty little secret that is not really talked about as California promotes Covered California”.

Dr. Sherry Franklin, a pediatric endocrinologist at Rady’s Children’s Hospital, San Diego said, last summer she "got a letter in the mail letting me know if I wanted to participate with Blue Cross through the exchange, which is different from my regular Blue Cross practice, because they are paying les.s

 They did not tell me how much less. You had to agree or disagree. So, of course, I said no."

Covered California expects 85% of the physicians in California to participate. So far they have made these statements to the press but have not published any proof of participation.

 Covered California asks physicians to participate but does not disclose the reimbursement rates they will pay for participation in Obamacare.

Other state exchanges’ are also in trouble. Oregon and Connecticut are the most outstanding.

This is only the beginning of Obamacare’s provider problems. It is too bad that America is afflicted with this albatross at this time. Obamacare is destroying the healthcare system for consumers and physicians.

President Obama will not be able to charm his way out of the failure of Obamacare.

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

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What An Experience!

Stanley Feld M.D.,FACP,MACE

Every congressman should try registering a poor (below poverty level) constituent for Obamacare aid.

If you have not, you do not deserve to be in office or have a vote.

Most of you know my story of Moses and his healthcare insurance. I have tried to obtain Medicaid healthcare coverage for both Moses and his wife in the past in Texas. I failed after trying hard.

I had been successful in registering his kids for SCHIP.

Moses annual income qualifies him and his family for Medicaid in Texas. Texas is a state that isn’t expanding Medicaid.

You might recall that Medicaid is not great insurance. The reimbursement is extremely low and there are few physicians who participate.

If Moses lived in a state that is expanding Medicaid, he could earn up to $32,500 dollars per year and still qualify.

"If your state is expanding Medicaid, you’ll probably qualify if you make up to about $15,800 a year for 1 person ($32,500 for a family of 4). (These are 2013 numbers, and likely to be slightly higher in 2014.)"

 "If your state isn’t expanding Medicaid in 2014

Some states aren’t expanding their Medicaid programs in 2014. If you live in one of these states, you may not have as many options for health coverage. It will depend on where your income falls.

Moses earns less than $23,500 a year. He should qualify for Medicaid in Texas.

I have encouraged him to apply for Medicaid using the Obama Health Insurance Exchange in Texas. Texas has a federal Health Insurance Exchange.

I offered to help him fill out the application online at the beginning of December. He did not want to bother me.

He said he had a friend in North Texas who works for one of the Texas insurance  companies. He said his company has people who help people like Moses fill out the healthcare insurance application. He said they are called Navigators. 

I told him the Navigator should be able to help him complete the application. The insurance company assigned him a Navigator in Las Vegas, Nevada.

Moses said she was very nice. She asked Moses all of the questions over the telephone.

I called him on December 12th and asked him if he had insurance yet. If you recall President Obama extended the deadline for applying until December 23th and then December 31th in order to have coverage for January 1st, 2014.

Moses said she told him she did not understand why his application was not accepted.  I told him to call her every day and find out what is going on.

She was going to try again the next day. It sounded like she tried at least every other day through December 31st and failed to get any information or his application accepted.

I told him to keep having her try. This went on through the next extended deadline of January 15th. She said could not understand it. I couldn’t understand it either.

Everything I read said the web site healthcare.gov was working smoothly. However, the back end was not connected to the application process.

 She was unsuccessful through January 30th. On January 30th I told him to come over. I would try and I would fill out an application online for him.

Again he did not want to bother me. I insisted. In the meantime another friend in North Texas connected him with a Spanish speaking Navigator in North Texas.

The Navigator called him when we were about to start filling out the application. After speaking with Moses in Spanish, he asked to speak to me. He practically begged me to let him complete the application for Moses and get him healthcare insurance.

I said O.K.

He asked Moses to come over to him that afternoon. Moses went to him. They spoke for an hour. He then gave Moses a list of questions and a telephone number to call.

Moses told me the questions were complicated. He was afraid he would make a mistake in answering them. The Navigator told him he would not get Medicaid but he could buy a number of insurance policies.

I told him to let me try to register him online.

Last Thursday Moses came over to the house with his citizenship papers and social security numbers of his wife and two kids.

I started to complete the form at 9 am. I completed the form for him at 11.30 am. The form was long and tedious.

Ten seconds after the application was completed the health insurance exchange acknowledged the submission of application. It then accepted the application.

The next screen asked if I wanted to see coverage the applicant was qualified to receive. Within four minutes of accepting the application the message was sent that the application does not qualify for Medicaid. 

This decision seems impossible. Healthcare.gov is not connected to insurance carriers or government databases. The decision was too fast. It would have had to be done by hand.

In any event I clicked on the coverage the application was qualified for. As I clicked on that I noticed there was an appeals button on the previous screen. I figured I could get back to the appeals button shortly.

He was given a choice of healthcare policies. There was no discussion of the possibility of government subsidies.

See below.

  Scan

 The deductibles offered for his income level were outrageous. The lowest deductible was $1500 which he couldn't afford it.  

It was painful to see the dejection on his face.

I tried to re-log into his application.  Healthcare.gov would not recognize the registration number they had given him fifteen minutes earlier.

Where is his application?

When will he receive notification of his eligibility for subsidy?

How much subsidy will he receive?

How does he appeal the Medicaid decision?

Is there anyone out there that can help?

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

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Where’s The Money Going To Come From?

Stanley Feld M.D.,FACP,MACE

Where is the money coming from to pay for Obamacare? Enrollment has been terrible from October 1st 2013 to December 31st 2013. 

The Obama administration has been bragging that 2.1 million consumers who have signed up for Obamacare.

The Obama administration originally estimated Obamacare needed 7.2 million consumers to sign up on the health insurance exchanges to make Obamacare viable. Of the 7.2 million people, the administration needs at least 2.7 million people to be young and healthy 18-34 year olds. These young, healthy people are needed to pay for the sicker, older people who are likely to use the healthcare dollars.

I believe 7.2 million is a low estimate of the necessary participants to make Obamacare viable. 

As a result of Obamacare, employers have been converting many employees to part time workers. The employers’ goal is to avoid paying for healthcare insurance while avoiding Obamacare penalties. This has resulted in an undisclosed number of uninsured people.

The cancelation of 6.5 million healthcare policies in the individual marketplace due to non-compliant Obamacare mandated coverage will further increase the number of uninsured.

The Obama administration has spun the numbers to look favorable even though they are terrible.

Kathleen Sebelius released the Obamacare participation numbers for the first two month last week.

 “Key findings from today’s report include:

  • Nearly 2.2 million (2,153,421) people selected Marketplace plans from Oct. 1 through Dec. 28, 2013
  • These signups in the state and federal marketplaces represent a nearly five-fold increase from October-November, including nearly 1.8 million (1,788,739) people who selected a plan in December (compared with the previous two-month cumulative total of 364,682 through Nov. 30, 2013).
  • Of the almost 2.2. million:
    • 54 percent are female and 46 percent are male;
    • 30 percent are age 34 and under;
    • 24 percent are between the ages of 18 and 34, and;
    • 60 percent selected a Silver plan, while 20 percent selected a Bronze plan; and
    • 79 percent selected a plan with Financial Assistance.”
  • Today’s report also details state-by-state information where available.  In some cases, only partial datasets were available for state marketplaces. 
  • The report features cumulative data for the three-month period because some people apply, shop, and select a plan across monthly reporting periods.  Enrollment is measured as those who selected a plan.

To read the complete report visit: http://aspe.hhs.gov/health/reports/2014/MarketPlaceEnrollment/Jan2014/ib_2014jan_enrollment.pdf

There are several problems not emphasized by the report.

How many of the 2.1 million applied and were approved and receive insurance?

How many actually received an insurance card?

How many paid the first month’s premium?

How many applying for insurance lost their insurance as a result of the Obamacare change in insurance requirements?

How many of these people have a pre-existing illness and are an expensive health risk?

What is the average amount of financial assistance the 79% will receive?

The young healthy people have not applied because most are facing at least a 50% increase in the cost of insurance premiums along with higher deductibles.

They feel they are being ripped off by Obamacare and refuse to join. Many simply cannot afford it.

No group has been hit as hard by the Obama economy and Obamacare as America’s young people. After seeing massive premium increases and failed bureaucracy in the Obama administration, it’s no wonder they are staying away,” said Don Stewart, a spokesman for Senate Minority Leader Mitch McConnell.

House Speaker John Boehner’s office said the figures prove the health law has been “a bust so far.” “When they see that Obamacare offers high costs for limited access to doctors — if the enrollment goes through at all — it’s no surprise that young people aren’t rushing to sign up,” said Boehner spokesman Brendan Buck.

 How many have tried to apply for healthcare insurance only to have their application kicked back without explanation?

Moises is a case in point. He is a U.S. citizen with a wife and two kids. His kids have SCHIP. He and his wife do not have Medicaid or other insurance.

I volunteered to fill out his application for him. He said he did not want to bother me. He has a friend who knows someone who will complete the application for free.

He friend works for an insurance company. The company has navigators that will complete the application for free for him.

It took 3 weeks to complete the application. How many hours was the government billed to complete his application at $48 an hour?

The October 31st deadline passed for Moises and his wife to have insurance November 1St.

He and his wife contracted what sounded like a viral illness on October 30th. They went to the doctor on November 2nd. They had some lab tests done and were given a “real expensive antibiotic.”

The encounter cost him $200 that he could not afford. I would guess the same transaction would have cost the insurance company $50.

The navigator promised him she would have the application in by November 15th so that he would have insurance on December 1st. On November 21st the application has yet to be accepted by healthcare.gov.

There has been no explanation by the navigator as to why his application did not go through. He has called the navigator at least 15 times. She says she will keep trying.How many more people has this happened to as they have tried to apply for Obamacare? 

Last week the Washington Examiner said that the IRS has started bullying young people to sign up.

President Obama is in the midst of multimillion dollar spending public relations campaign to convince young people to sign up for Obamacare.

This bizarre commercial to "Get Covered" by Obamacare received 72,000 hits on You Tube. How many of those 72,000 applied for Obamacare? We will never know.

 

 http://www.youtube.com/watch?v=ZJQXkIEqMMA

 Other “Get Covered” bizarre commercials can be seen at the completion of the above video.

 Is this a good use of taxpayers’ dollars?

 President Obama is spending money like a “drunken sailor.”

 After receiving the Obama administration’s original numbers, the CBO’s estimate predicted Obamacare would save $114 billion dollars over the next 10 years.

In May 2013 the CBO revised its estimate of the Obamacare costs. The graph below shows that Obamacare will cost over $140 billion dollars per year over the next 10 years. The net budgetary impact will be $1.4 trillion dollars. The deficit represents an increase more than $1.54 trillion dollars over the cost savings of  $114 billion dollars in the original estimate.

  Cbo budget projections

This estimate is not even close to what the eventual net budgetary impact will be.

The real cost will skyrocket because of all the defects in the law, terrible implementation of the law, the fraud and abuse that will occur because of implementation of the law and the entire skewed enrollment that is going to take place.

America ought to face reality and ignore President Obama’s rhetoric now before disaster occurs and America is bankrupt.

Americans should insist that Obamacare be repealed now before it is too late!

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

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President Obama Got The Subject Changed

Stanley Feld M.D.,FACP, MACE

I do not know if anyone has noticed that Obamacare has not been discussed in the mainstream media since January 1st.

Obamacare affects consumers negatively. The anger and resistance will not go away by changing the subject.

Obamacare's problems remain.

Many physicians are running for the exits.

Many insurance companies are trying to figure out their next step. Many hospital systems have not been successful in developing of their accountable care organizations.

Hospital systems have not developed functionally adequate electronic medical records.

Hospital systems have not adjusted to the ICM-10 coding system.

There are still delays in signing up for healthcare insurance on the health exchanges.

People do not know if their applications have been accepted and they actually have insurance.   

The minimal numbers of applicants and consumers who actually received insurance is not clear.

The level of mistrust by consumers for the Obama administration continues to escalate.

It is interesting to note the scarcity of articles published about the healthcare system since January 1st.

The mainstream media is not reflecting the chaos created by Obamacare on the healthcare system.

No matter what the Obama administration does to distract people from healthcare it will remain a main issue. Obamacare is not an abstraction any more. It is an unpleasant reality that is affecting consumers directly. It is having a widespread negative effect on healthcare and medical care delivery. Obamacare is also having a negative affect on economic growth and stability.

Headlines about Obamacare are few and far between. Below are some of the few topics published.

New Health Law Frustrates Many in Middle Class

The cheapest insurance plan they can find through the new federal marketplace in New Hampshire will cost their family of four about $1,000 a month, 12 percent of their annual income of around $100,000 and more than they have ever paid before.

Even more striking, for the Chapman’s, is this fact: If they made just a few thousand dollars less a year — below $94,200 — their costs would be cut in half, because a family like theirs could qualify for federal subsidies.

The Chapman’s are caught in the uncomfortable middle: not poor enough for help, but not rich enough to be indifferent to cost.

Most healthcare experts consider health insurance unaffordable if premiums exceed 10 percent of annual income. Lower income families not qualified for Medicaid (>$21,000 per year) have to pay 10% of their income for subsidized healthcare insurance. This amount could be unaffordable to them.

Obamacare is only affordable for the very poor.

More trouble for CGI, Obamacare website designer

CGI Group is being denied payment by Massachusetts and Vermont as a result of dysfunctional state exchange websites that have yet to be fixed.

Massachusetts (Romneycare) is supposed to be doing great according to the traditional media.  Why is Massachusetts switching to Obamacare?

The state is probably getting a bigger subsidy from the federal government by being under federal control. Federal control doesn’t seem to trouble the government officials in Massachusetts.

I was under the impression the Massachusetts web site was working splendidly. The CGI contract for Massachusetts and Vermont cost $69 million dollars.

 Obamacare Contractor Blamed for Slow Medicare Payments to Hospitals

In an attempt to make as much money as possible the outsourced administrative services providers are holding onto money as long as possible.

The report appeared only on a local TV station in Houston, Texas. I suspect it is happening all over the country.

“The contractor building the financial management system for Healthcare.gov is being blamed by a Houston hospital for delayed Medicare reimbursements that have caused the hospital to miss payrolls for weeks."

" Novitas Solutions is the federal government's new Medicare payment processor for the south-central region of the country hired by the Centers for Medicare and Medicaid Services (CMS), a division of the Department of Health and Human Services (HHS.)  ABC-KTRK in Houston reports:"

"According to the CEO Jason Leday, more than 150 employees haven't been paid in nearly a month."

"I understand that they have children and a house payment, bills. Not getting paid is wow," nearby resident Theresa Gutierrez said.” 

 The public can only know about these occurrences, if the mainstream media reports it.

Insurance Customers Still Having Problems With MNsure

A local Minneapolis TV station had this story.

"As the New Year began at midnight, so did benefits for thousands of Minnesotans who signed up for MNsure.

It left some people unsure if they completed the process in time. MNsure has had several problems with it’s website from the start this fall.

Late last week, 50,000 people had completed applications to buy private health plans but hadn’t completed enrollment because of website problems or if they just didn’t continue on in the process. Close to 20,000 people had completed enrollment as of Dec. 27, 2013."

This is not a very good showing for Minnesotans. We were told the state exchanges were doing great.

The Obama administration has not verified any actual enrollment in insurance coverage to date. We have been told that things are looking good.

Lousy results are portrayed as good results.

It’s official: Obamacare debuts with more canceled plans than enrollments

Obamacare may have promised health insurance for the masses. But on its first day, it’s left more Americans without coverage than before the law was passed.

More than 4.7 million Americans had their health insurance canceled as a result of any of the thousand-plus-page law’s new rules, The Associated Press reports, but the Department of Health and Human Services (HHS) confirmed Tuesday that between federal and state exchanges, just two million Americans have signed up for Obamacare coverage. 

 'They had no idea if my insurance was active or not!'

"Obamacare confusion reigns as frustrated patients walk out of hospitals without treatment."

The Mail Online published this story for the American public. It did not appear in the American traditional main media.

 MailOnline spoke with patients who were told they would have to pay their bills in full if they couldn't prove they had insurance

  • One was faced with a $3,000 hospital room charge and opted to leave the hospital after experiencing chest pains
  • 'Should I be in the hospital? Probably,' she said
  • Another, coughing in the cold, walked out without receiving a needed chest x-ray
  • Consumers face sticker-shock from medical costs under the new Obamacare system, made worse if they can't prove they're insured
  • As many as one-third of new enrollees' applications have seen problems when the government transmits them to insurance companies

The group market, the union insurance market, Medicare, the low paid wagers market (MacDonald’s and other fast food chain market) all received waivers from Obamacare for one year. Only the individual healthcare market was not exempt from Obamacare.

The recent Obamacare headlines have not been popularized. Most Americans can conclude that nothing in healthcare has changed.

Americans should be made aware of the things going on in healthcare under Obamacare. They will be shortly. Obamacare is going to affect all Americans directly.

Obamacare is only affecting 5% of the population today. However the public needs to be made aware of what is going to happen to everyone because his or her waivers will expire shortly.

The Obama administration has not been transparent about anything including costs and cost overruns.

The lack of transparency has made everyone suspicious and mistrustful of President Obama and his administration.

It is going to be a rocky year for both healthcare and medical care.

Obamacare is facing headwinds that the Obama administration will not be able to hide from the public.

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

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We Ain’t Seen Nothing Yet!

Stanley Feld M.D.,FACP,MACE

 

Have a Happy and Healthy New Year Everyone!

I have received many incredible examples about the effect Obamacare has had on the loss of insurance and the increased cost of insurance through Obamacare’s health insurance exchanges.

President Obama has changed the Obamacare law ad lib for everyone except the 14 million people in the individual healthcare insurance market. He has granted waivers to favorites including the unions and the congress. He has delayed the employer mandate without congressional approval.

This was smart. Maintaining the employer mandate would have affected at least 100,000 families. Everyone would have lost their insurance at once.  

The outrage would have been intolerable.

America will wake up one day with a completely unaffordable healthcare system, with rationing of care and long delays in access to care.

This is reality and not naysayer talk. There are so many things wrong with Obamacare that Max Bacchus’s train wreck will be a reality before we know it.

PolitiFact called “If you like your health-care plan, you can keep it.” the lie of the year.

Obamacare was supposed to be a refinement to the current healthcare system minus its waste and inefficiency.

It was going to increase access to healthcare care and make medical care affordable for all. It was going to force the healthcare insurance industry to provide affordable insurance.

It has already made insurance unaffordable to those middle class families who do not qualify for subsidies.

The "sticker shock" that many buyers of new, ACA-compliant health plans have experienced—with premiums 30% higher, or more, than their previous coverage—has only begun.

The costs borne by individuals will be even more obvious next year as more people start having to pay higher deductibles and copays.

President Obama promised that the Affordable Care Act was not going to cost the federal government a dime.

It was going to decrease the federal deficit over ten years by over 1 trillion dollar.

The current CBO estimate is that it will increase the deficit by over 1 trillion dollars. The Affordable Care Act was misnamed. It should be the Unaffordable Care Act.

Obamacare was force down the throat of the American public by the Democratic majorities in both houses of congress. It did not get one Republican vote. Most of the Democrats have admitted they did not read the bill in its entirety.

Nancy Pelosi told America “we have to pass the bill to know what is in it.”

It is now obvious that President Obama was able to pass the bill by feeding everyone a pack of deceptions about the bill and its implications.

It was a magnificent con job.

The deceptions once discovered must not be tolerated by our congressional representatives and senators.

Government is supposed to be by the people, for the people. Consumers did not pay attention to the defects in Obamacare until it started to affect them directly.  

The mainstream media has been sympathetic to President Obama’s lies and deceptions. Now the people are discovering the deceptions and the media is starting to report them.

Now that over 6 million people have lost their insurance coverage, and premiums have skyrocketed Obamacare is affecting the consumers who make under $250,000 a year.

Obamacare has affected consumers financially. There have been significant Obamacare hidden taxes for four years. Obamacare officially starts January 1,2014.

President Obama or his administration has lost the public’s trust because of all the lies and deceptions.

My guess is the media does not know of all the lies and deceptions. The media also does not understand all the defects in Obamacare.

The Obama administration launched a $685 million dollar public relations campaign to disguise the impending Obamacare disaster.

The disastrous website (healthcare.gov) is only the tip of the iceberg.

The web site is incomplete and not secure. It was written using obsolete code at a cost of $650 million dollars. The $650 million dollars is $649 million dollars over what it should have cost according to some sources.

 There remains much work to be done before it is fully functional.

The healthcare insurance industry is becoming fed up with all the constant changes in the rules the Obama administration is making.

 The healthcare insurance premiums on the health insurance exchanges are higher than last year’s commercial insurance. The patient deductibles for these policies put them out of affordable range for the middle class.

It will be a fair deal for consumers with families who earn up to $49,000 per year. This group will qualify for various levels of subsidy. It is a terrible deal for everyone making $50,000 to $250,000 dollars a year.

The 6 million people losing their insurance coverage started American’s wake up call. 

President Obama said their healthcare insurance coverage was defective and inadequate.

 The subtext is the government will decide what you need.

Those who expect better days ahead for the Affordable Care Act are in for a rude awakening. The shocks—economic and political—will get much worse next year and beyond.

In 2014, millions must choose among unfamiliar physicians and hospitals, or paying more for preferred providers who are not part of their insurance network. Some health outcomes will deteriorate from a less familiar doctor-patient relationship.

Those who expected better and more affordable medical care with the government as single party payer will experience tax increases both obvious and disguised and worse medical care.

 The government does not know how to run things efficiently.

The other defects in Obamacare that will shock the nation and hurt all consumers in the near future will be;

  1. The lack of functional electronic medical records and transportability of patient medical information.
  2. Increased paralyzing and incomprehensible regulations for physicians and hospitals leading to patient care delays.
  3. The lack of development of Accountable Care Organizations for integrated care with penalty. ACO’s were suppose to save money but are failing.
  4. The inability of Obamacare to facilitate timely and cost effective medical care.
  5. The decrease in physician practitioners signing up to accept Obamacare leading to an increased physician shortage and decrease in consumers’ access to care.
  6. The lack of tort reform will result in an increase in defensive medicine testing. Physicians and hospitals will refuse to participate in Obamacare. They will demand direct payment from the patients.
  7. The new ICM 10 coding system will drive physicians and hospital out of business and certainly out of participating in Obamacare.
  8. Lack of compelling chronic disease management initiatives will not increase quality of care or decrease the cost of care. The cost of treating chronic disease complications account for 80% of the cost of care.
  9. More Web Site and IT failures are likely. The application process is easier.The complex back-office side of the website—where the information in their application is checked against government databases to determine the premium subsidies and prices they will be charged, and where the applications are forwarded to insurance companies—is still under construction.
  10. Consumers will experience problems in eligibility, coverage, billing, claims, insurer payment and patient information-protection and security.
  11. Obamacare has taxpayer-funded "risk corridors." The risk corridors will bailout potential insurance company losses without bailing out consumers, physicians and hospitals. The bailout could result in an increase in taxes, collapse of the healthcare system, the medical care system and the economy.

The bailout will certainly result in a level of consumer anger worse that the anger caused by 5 million people losing their healthcare coverage.

 One hundred and eighty million people might loss their coverage within a year.

 Obamacare misses the entire point about the way to repair the healthcare system.

 The point is about giving consumers incentives to be responsible for themself and controlling their own healthcare decisions. Most consumers do not want to be dependent of the government.

Americans will take government handouts but as soon as they realize they are being dictated to and controlled by the government there will be a public outcry.

Consumers are much smarter than President Obama thinks.

Unfortunately there is much more money to be wasted and grief that the public is going to experience in the coming year. At that point America’s view of Obamacare will reach the boiling point.

Only then will we experience real healthcare reform.

 

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

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Permalink:

Insurers Wary of Obamacare Administration

Stanley Feld M.D.,FACP,MACE

The government is dependent on the healthcare insurance industry for administrative services.

Obamacare’s success is dependent on the healthcare insurance industry selling insurance to consumers who buy insurance from the healthcare exchanges.

Several insurance companies have opted not to participate in the health insurance exchanges.

The companies that are participating are the companies that have figured they will make a killing. The killing will come if there is a minimum of administrative services and a maximum of consumers who present little risk.

The government has  a commitment to the insurance industry to pay the total cost of healthcare insurance to the healthcare insurance companies for all subsidized consumers.

If partially subsidized consumers do not pay the insurance company their premiums the lag time before the insurance company can drop that consumer can be up to a year.  The consumer can enjoy the coverage benefits of the policy at a loss to the healthcare insurance company.

It is almost impossible to know whom to believe or trust.

Is the Obama administration lying or is it the insurance companies?

What are the real numbers?

Who is insured?

 How many people have applied through the health insurance exchanges?

 How many people have been approved for coverage by the Obama administration?

 How many are approved for Medicaid?

How many people of the 5.5 million who lost coverage are now covered under Obamacare?

What percentage of Obamacare covered consumers will have a preexisting illness?

 How many people have paid their premium and will have insurance January 1, 2014?

How many people who have lost their insurance have signed up and paid their premium?

 How many people are getting subsidies?

 How much is the subsidy?

 How many people have bought non-subsidized private insurance from the health insurance exchanges?

None of the answers are easily available. 

If President Obama didn’t exempt group insurance policy holders’ from Obamacare for one year, the nation would be experiencing a greater disaster.  

The public is becoming wary of the misinformation. President Obama has lost the public trust.

The news of increasing problems with implementation of Obamacare is becoming boring. People are becoming more frightened. 

This is just where President Obama wants us. He wants us to give it over to the government.

Can we trust government to run the healthcare system? The answer is no!

America cannot afford this incompetence medically or financially.

The attitude of Obamacare fans is that it happened, the President is trying to fix it. Let’s live with it. It is the law of the land?

President Obama has even blamed the structure of government agencies for the screw up. It is not his fault.

This should be the precise argument for why the government should not run the healthcare system. 

He might have found a way to shift the blame.  A New York Times/CBS poll said President Obama's approval rating is improving at the same time all the other polls said it has fallen below 39%.

Both the NYT and CBS are big Obama fans. Again, what is the truth?

The healthcare insurance industry is screaming bloody murder. There is no back end to the web site. There are errors in applications. One error begets another error. The insurance companies, rather that make a killing, will lose their shirt.

President Obama promised to make them whole without the companies providing evidence of loss.

Insurers say they don't know the full extent of back-end problems with healthcare.gov and are wary of the Obama administration’s claims they are fixing the issues quickly.

President Obama and White House officials are trumpeting new fixes to the Obamacare website, saying they met a self-imposed Nov. 30 deadline to deliver a smooth user experience to the vast majority of Americans trying to enroll in the online insurance exchanges.

As of December 13,2013 at least 20% of the applications have been plagued with problems.

“Insurers and federal officials sifting through insurance applications under the health-care law have identified a raft of errors, including missing customers and inaccurate eligibility determinations that mean people may be enrolled in the wrong coverage.”

 “In some cases described by a state official with knowledge of the matter, legal immigrants who aren't yet eligible for Medicaid in were nevertheless told they would be enrolled.”

The Obama administration has provided few details on the remaining back end technical bugs. These bugs are preventing insurance brokers from enrolling people in coverage. There is a great difference between applying for coverage, enrolling in coverage and finally obtaining coverage.

www.Healthcare.gov is supposed to transmit 834 forms to the insurer of the consumer’s choice by computer.

Insurers have either received these forms riddled with errors or not at all. They cannot possibly issue insurance to people who have applied and have sent incomplete or inaccurate information to the insurer.

The Department of Health and Human Services urged insurers to help avoid Jan. 1 mix-ups. The Obama administration modified coverage rules. Officials asked the healthcare insurance industry to cover people retroactively who missed paying for the premiums by January 1 because of defective applications. The Obama administration has asked the insurance industry to pay for drugs next month, even for customers who haven't yet fully enrolled.

This is not a good way to run a business. The Obama administration seems to be playing it by ear. They are changing the requirements of the law daily. Obama fans say it is a pragmatic adjustment. Others say it is unconstitutional. President Obama, you cannot play both sides of It’s “the law game.”

Insurance-industry executives warn, that some of these data problems will only emerge once customers begin seeking care in January at physicians' offices, pharmacies and hospitals.

 The result could be bureaucratic chaos as doctors and patients storm insurers' phone banks and federal officials work to clean up the inaccuracies.

 The National Association of Health Underwriters sent a letter to President Obama on Tuesday asking him to fix a bunch of back-end obstacles.

 “We want to make it clear that a number of back-end technical obstacles still exist for health insurance agents and brokers trying to actively support the federal marketplace,” she wrote.

“Agents and brokers would like to help increase marketplace enrollment as much as possible over the next few months, but technical barriers prevent them from doing so.”

I think everyone gets this point.

However, a more important point is that if this has happened with the web site can we trust the government to have control over the large slice of our economy that healthcare represents?

More importantly, can we trust the government to make our medical care decisions for us?

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

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Permalink:

I Gave You A Better Plan In 2008

Stanley Feld M.D., FACP, MACE

“The hardest thing to explain is the glaringly evident, which everybody has decided not to see.”

Any Rand, The Fountainhead

 

                                                                        December 7,2013

Dear President Obama;

Last week you said no one has showed you a better plan for healthcare than Obamacare.

You were the dysfunctional healthcare system’s great hope in 2008. Your problem is you listened to the wrong people when you wanted to repair the healthcare system.

 Unfortunately, these people believe as you believe. Their ideology believes in central government control and the redistribution of wealth. This ideology has only led to the failure of national economies in the past.

There are better plans than Obamacare.

In fact, I sent you six letters right after you were elected President explaining how the healthcare system had gotten into the mess it was in and what must be done to repair the mess.

You ignored me completely. I understand why. Your ideology is to increase central government control and redistribute wealth.

I believe in giving individuals the ability to control their own destiny, make free choices, and have incentives to improve and become innovative.

Increasing incentives promotes innovation. You believe in decisions by committee. I have never seen that work in business.

There are several key elements needed to Repair the Healthcare System.

The first is consumers must be responsible for their own healthcare dollars and their own health. Government should not be responsible for consumers’ healthcare dollars.

Consumers must be given positive financial incentives and education to use their healthcare dollars wisely and take care of their health.

A system of financial incentives can be set up so that people who are sick with a chronic disease such as diabetes, heart disease or lung disease can be rewarded if they keep themselves from getting a complication of their chronic disease.

Eighty percent of the healthcare dollars are spent on the complications of chronic diseases. Clinical research studies have shown that appropriate medical care and appropriate self-management can decrease the complications of chronic disease by at least 50%.

People are not dumb. If they had control of their money and freedom to choose they would choose to keep themselves healthy.

Past government attempts at redistributing wealth have never worked. Redistribution of wealth by increasing taxes on “the wealthy” has never historically increased efficiency or productivity.

What makes you think total government control and the redistribution of wealth will work now?

I appreciate your desire to have all Americans covered with healthcare insurance.

What makes you think healthcare coverage will make Americans healthy?

If you would provide incentives to American consumers to practice healthy habits and save money you would better serve us.

The healthcare insurance industry takes at least 40% of the healthcare dollars off the top of both private and public insurance.

You have done nothing with Obamacare to decrease the insurance industry’s incentives except try to penalize them. Obamacare has been unsuccessful.

The reason is clear. Obamacare is totally dependent on the administrative services of the insurance industry.

If fact, because of your disastrous web site you have asked the insurance industry to tell you how much the government owes them. This is the fox in the hen house.

What have you done about Tort Reform?

You have done nothing. Why?

Your healthcare policy advisors know little about medical care and the problems in the practice of medicine.  They believe that the practice of defensive medicine has a minor effect on the cost of medical care.

An estimate is that defensive medicine costs the medical care system $300 billion to $750 billion dollars a year in unnecessary testing.

Obamacare’s solution is to pay less money for those tests, not to eliminate the need to do those tests.

At the same time Obamacare lets secondary stakeholders take advantage of the system. It costs the government $1700 dollars for a fifteen minute ambulance drive to a hospital. Why? What are the basic costs and a reasonable profit to the ambulance company?

Physicians who treat those Medicaid patients brought in by the ambulance receive $24 dollars in reimbursement for his care. Does that make any sense to you?

Your government bureaucrats say we need to save money somewhere.

Hospital systems also receive special deals from the government.

Every hospital has a least two sets of books. One set for the government to see how much the hospital system is losing and the other set to show the hospital administration and board of trustees how much they are making.

Why are hospital administrator salaries increasing as physician salaries are decreasing?

Physicians are smart people. They will figure out how to get around the distortions being created by Obamacare. The result will be a more costly healthcare system and a further increase in the redistribution of wealth.

Who approved of the $640 million dollars contract to CGI for www.healthcare.gov  only to receive a system that doesn’t function and is probably about half built using an antiquated software program that should not be used?

Is it cronyism or stupidity? I know you are not stupid.

We have seen many examples of cronyism. In healthcare the multiple waivers from Obamacare are egregious. Two of the most agregious waivers were the waivers to congress and the unions.

What should the role of government be in healthcare?  Government should work to align everyone’s vested interests. It should set conditions to give all stakeholders real incentives to improve the healthcare system efficiently.

Consumers should be given the most incentive. Consumers are the only one that will be able to lower the costs. Consumers and physicians generate those costs. You do not impose restrictions by penalty. You increase incentives to get consumers to save money.

Try my ideal medical savings accounts.

Below are the links to the letters I had written to you when you were President-elect in case someone in your administration misplaced them.

In those letters is the course you should have followed to have a legacy to be proud of.

I have also provided a host of summary blogs that have explained repairs in detail.

Dear President-elect Obama Part 1

http://stanleyfeldmdmace.typepad.com/repairing_the_healthcare_/2008/11/dear-president-elect-obama.html

Dear President Obama-elect Part 2

http://stanleyfeldmdmace.typepad.com/repairing_the_healthcare_/2008/11/dear-president-elect-obama-part-2.html

Dear President Obama-elect Part 3

http://stanleyfeldmdmace.typepad.com/repairing_the_healthcare_/2008/11/dear-president-elect-obama-part-3.html

Dear President Obama-elect Part 4

http://stanleyfeldmdmace.typepad.com/repairing_the_healthcare_/2008/12/dear-president-elect-obama-part-4.html

Dear President Obama-elect Part 5

http://stanleyfeldmdmace.typepad.com/repairing_the_healthcare_/2008/12/dear-president–elect-barack-obama-part-5.html

Dear President Obama-elect Part 6

http://stanleyfeldmdmace.typepad.com/repairing_the_healthcare_/2008/12/dear-president-elect-obama-part-6-why-dont-you-listen-to-practicing-physicians.html

Summary Blogs

http://stanleyfeldmdmace.typepad.com/repairing_the_healthcare_/summary-blogs/

You are the one who asked to “show me a better plan.”

I hope you pay attention to my letters this time.

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

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Permalink:

Is This A Lie?

Stanley Feld M.D., FACP,MACE

In the last ten days before the November 30 deadline to fix healthcare.gov President Obama dialed down his definition of fixing www.healtcare.gov.

 

 

http://youtu.be/mr_bHZbqqhU

President Obama knew at that time that the back end of www.healthcare.gov  was not completed. He knew a security was not built into the system. Yet he is telling the people it would not work perfectly.

At the same time he made this promise he was fighting the reality. It looked like the traditional media was finally presenting reality and not President Obama campaign hype.

Obamacare is directly affecting them. Over 5 million people, in the individual market have lost a healthcare insurance policy.  They could not get on healthcare.gov to buy insurance from the health insurance exchange.

I would expect at least 5 million more to lose their individual insurance. It is predicted that at least 80 million more will lose their group policy under Obamacare.

The premiums for new policies are skyrocketing because of the required Obamacare coverage mandate.


On Sunday, as a Nov. 30 deadline set by the administration for improvements to the web site had passed.

CMS issued a report concluding: "We believe we have met the goal of having a system that will work smoothly for the vast majority of users."

On October 5, we were told that healthcare.gov would be completely operational by November 30th. Would that statement be considered a lie given the result?

Federal officials have acknowledged they had only begun to make headway on the biggest underlying problems: the system's ability to verify users' identities and accurately transmit enrollment data to insurers.

Insurers have complained they have not gotten accurate data to do their due diligence. There is no mechanism for payment of premiums or subsidies. The insurance companies have not issued insurance policies.

Many people think they have signed up for insurance. They do not have an insurance policy that covers their healthcare.

 They have not been issued insurance policies because of the lack of  the health insurance exchange transfer of accurate verified data nor have they paid the premium.

Once a person applies for insurance, income must be verified, subsidy calculated and a premium must be paid before insurance is in effect.

Much of this data collection and transfer has not been built into the healthcare.gov system.

Many software programmers claim the software used by CGI makes the integration impossible to do effectively.

Insurers do not want to take the risk without verification of the criteria for qualifications or premium collection.

 Insurers and some states are continuing to look for ways to bypass the balky technology underpinning the health-care law despite the Obama administration's claim Sunday that it had made "dramatic progress" in fixing the federal insurance website.

The Obama administration has not released the number of people who have applied, been approved and have paid their premiums.

Only 26,000 people signed up and think they “got” insurance coverage by November 2 according to data released November 15th.

The November 30th numbers have not been officially released.

I do not blame the healthcare insurance industry for doing business in a business like way.

Obamacare is facing these and other giant issues.

Another big issue is the security of personal information issue an applicant enters on the web site. The security of information has not been addressed. In fact, hidden code in the web sites code releases www.healthcare.gov from responsibility for maintaining privacy.

 The application process is still complex. This is a glimpse of the steps necessary to complete the application. Double click on the image to enlarge the image.

  Flow sheet Obamacare Nov 2

http://online.wsj.com/news/articles/SB10001424052702304355104579231870862102710

As far as President Obama is concerned he has delivered on his promise to make www.healthcare.gov  functional by November 30 even if he modified his promise along the way.

The traditional media is cheering for him on his delivery of his promise.

Can anyone believe this?

After spending two months of defending www.healthcare.gov and his ill advised promises about “keeping your healthcare insurance and doctor period”, President Obama figured it is time to change the subject and go on the offensive since he has delivered as promised on the web site.

President Obama, starting Tuesday, will hold an event a day that will emphasize a different benefit of the law and try to remind Americans why Democrats pushed the law through Congress in the first place, according a White House official.

The plan is to have an event-a-day push to extoll the virtues of Obamacare. It will continue through much of the holiday season until the Dec. 23 enrollment deadline for January coverage.

The Obama administration coordinated the promotional blitz with Democratic allies on Capitol Hill and the party's campaign committees, all of which will be involved in pitching the daily message through press events and social media.

The idea of this campaign is to refocus the media and citizens away from the upcoming problems with www.healthcare.gov and emphasize the core principles of Obamacare.

President Obama has used the same strategy many times with healthcare, and his other scandals as he pursues his transformational agenda. It is called a diversion.

He plans to make clear the direct benefits Obamacare has provided to millions of Americans already.

Americans are starting realize Obamacare has meant more taxes,( to everyone including the poor, middleclass and wealthy), tremendous increases in healthcare insurance premiums, less full time jobs, less access to care and glimpses of the upcoming torrent of rationing of medical care.

 Democrats and consumers are realizing the sham of this promotional campaign.

 Many congressmen are running for the exits because they are up for reelection in 2014. They are trying to avoid the folly of President Obama’s promotional blitz.

The public relations ploy will further decrease President Obama’s credibility.

How can we trust the government with our healthcare decisions when it is having so much difficulty constructing a web site?

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

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Permalink:

It Is Just The Beginning Of The Problems

Stanley Feld M.D.,FACP,MACE

The recent problems with www.HealthCare.gov are just the beginning of President Obama’s problems with Obamacare.

CMS has tried every public relations trick in the book to restore public confidence in Obamacare. The web site is failing. The cost of healthcare insurance is rising above affordability for everyone except people who qualify for government subsidies.

The deficit is going to skyrocket because the young healthy people are not going to sign up unless they receive a subsidy. Even with a subsidy, the price of insurance through the health insurance exchanges is too high to afford.

President Obama has even tried to rebrand Obamacare. The new name is the Affordable Care Act. The ACA is the wrong name. Maybe it should be called the Unaffordable Care Act (UCA)? 

The health insurance exchange policies are unaffordable because of government mandates for required care. This unaffordability will result in an increase in uninsured.

At the beginning of October, President Obama placed a November 30,2013 date for the web site being fully operational after the glitches were fixed.

It turns out that the problems are much worse than a few glitches.

“Despite recent progress at HealthCare.gov, a raft of problems will remain beyond the Obama administration's Saturday deadline to make the troubled federal insurance website work.”

The November 30th deadline will be missed. President Obama has revised his declaration. Now the web site will be partially operational.

Once again President Obama’s original promise does not ring true. President Obama announced web site would be 80% operational. What does that mean?

Americans were warned by Henry Chao, the top IT official at the Centers for Medicare and Medicaid Services, who testified on Capitol Hill Tuesday on November 19th   2013 that more than 30% of the "back end" infrastructure still remains to be built in the federally-run marketplace.

The front end looks better according to recent users. The pages load faster. More people are getting through to sign up for health plans.

However the devil is in the details of the “back end.”

As of December 1,2013 healthcare.gov is missing the following,

  1. The ability to verify users’ identities.
  2. The ability to verify income for the purpose of subsidies.
  3. The ability to transmit accurate enrollment data to insurers.
  4. The tools for processing payments by insurers haven't been built.
  5. The data centers ability to support the various site functions has been inconsistent causing the site to crash often.
  6. The ability to supply adequate security for personal information.
  7. Total disregard for HIPPA privacy.
  8. Adequate security on every level.

 

http://youtu.be/uOk0vOup4yA

 

Problems with the performance of the site's databases, storage and servers and their interaction with each other continue to slow the site or make it unavailable for short periods, as of December 1,2013, according to government officials and contractors working on the project.

There are many problems. Forty-eight dollar an hour navigators, CMS spokespersons, and other government official are all rationalizing about the problems.

No one in the Obama administration comes out and tells the public the real problems. They just say it will be fixed.

The comment sections of online articles are many times more truthful than the media fed “facts” by the Obama administration.

One comment appearing in the article, “Health Site Is Improving But Likely to Miss Saturday Deadline.” Said the headline should have been written as  “Health Site Is Improving But CERTAINLY to Miss Saturday Deadline.” 

Richard Sullivan wrote,

“Our father, whose art be in heaven, Hollywood be thy name…………”

  John Rogitz wrote;“The web site will be fixed. Eventually. What won't be so easily fixed is a culture that has relinquished its medical care to government overseers.”

Teresa Rich replied; We haven't relinquished our "care," Mr. Rogitz. We have relinquished our "freedom" — all for the promise of "free" health insurance for "the COLLECTIVE." 

 Charles Whitlach wrote the most educational comment of all.

"We programmers are laughing at the incompetence of this administration. I write in the very same server code as this website developer.”

 “I am a Microsoft Certified Solutions Developer [MCSD]. I have been certified by Microsoft as an expert in this language.

Although I haven't written in ASP.net 2.0 since 2005. We use 5.0 now.”

The primitive program is a result of giving a non-bid contract to Michelle Obama’s friend rather than going through a competitive bidding process. 

“The Javascript & CSS files are uncompressed. Programming 101 says compress them before release. Why are there so many JavaScript files? I have never seen so many JavaScript files on a page, even with sites like Google.” 

“What happened to Unit Testing Mr. President? 

Didn't anyone test this web site for load capacity? That is why people can never get to the "Select State Page". No one tested for load capacity.

 Didn't anyone put in redundancy and fall back servers? These are the basic questions/steps every good IT person checks off before release.” 

“Every good programmer knows that ASP.net 2.0 is "Leak-o-Matic". Who uses 2.0 anymore? This goes beyond legacy issues. What possible justification could anyone have in creating a website today in 2.0? There are none. 

Obama calling in the best and brightest to fix the problem? Why didn't he call us in, in the first place?” 

Lastly, "YOU CANNOT FIX BAD CODE, YOU CAN ONLY REPLACE IT." 

The website written in 10 yr old code cannot be tweaked. There have been too many API changes since 2005. The code must be rewritten.

 The client-side and server side code of this website must be redone. 5 million lines of code need to be rewritten? In my field that is an epic failure.”

“Who ever created this website should return the money. This was utter incompetence. 

The $684 million was wasted."

President Obama has been modifying his statements about the web site being completely fixed by November 30th for the last two weeks.

“It will work for 80% of the people who try to enroll.“

 Officials mixed optimism with caution. "November 30th does not represent a relaunch of HealthCare.gov," said Julie Bataille, a spokeswoman for the government's Centers for Medicare and Medicaid Services, which operates the site.

 "It (November 30,2013) is not a magical date. There will be times after November 30th when the site, like any website, does not perform optimally."

The administration said plans are in place to replace the Verizon unit with H-P this spring.

Someone should tell the administration they need to rewrite the program. Switching database vendors is not going to fix the program.

HHS also didn't initially contract for a backup website or monitoring tools like those used by sophisticated consumer sites, according to people familiar with the matter.”

 Patrick Reikofski might be right when he said.  “Ladies and gentlemen, your Federal Government in action…”

I have not covered the problems Obamacare will have with physicians, insurance companies or hospitals. Obamacare’s implementation will be a nightmare.

If we wasted $684 billion dollars so far on broken web site, how much more will we waste until Obamacare fails completely?

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

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