Wednesday, 11 October 2017

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So let's see what our Friends Across the Pond© have been up to. Via our friend Rich W:

"A growing crisis in hospital safety is revealed in official figures showing a doubling in the number of legal warnings issued by NHS watchdogs."

Promising!

The number of "enforcement actions" (basically citations) has more than doubled in the past year, and it doesn't appear that that rate's slowing down:

"Recent actions include a warning notice to Royal Cornwall Hospitals trust after inspectors found patients dying and left to go blind after long waits for treatment."

But hey, free!

On the other hand, it's not as if our own hands are clean:

"VA conceals shoddy care and health workers' mistakes"

Ooops.

Fortunately for those who served our country, putting their lives on the line for all of us, VA healthcare professionals are top-notch.

Oh, wait:

"Medical experts from the Department of Veterans Affairs blamed one botched surgery after another on a lone podiatrist ... In 88 cases, the VA concluded, Franchini made mistakes that harmed veterans."

Good thing the VA bureauweenies caught him in time, and that he paid a severe penalty.

"They let him quietly resign and move on to private practice, then failed for years to disclose his past ... He now works as a podiatrist in New York City."

Oy.

Okay, well then, good thing this was just a one-off.

Sigh:

"In other cases, veterans’ hospitals signed secret settlement deals with dozens of doctors, nurses and health care workers that included promises to conceal serious mistakes ."

Words fail.

On the bright side, it's not as if single payer systems promote murdering patients to save precious and scarce healtj care dollars, right?

Um, you may want to be sitting down for this:

"Now, in Canada, a doctor can not only deny life-saving treatment for a person in their right mind who wants it, but actually have that patient, against the patient’s will and with their full mental faculties, outright executed by lethal injection."

"Free" health care: worth every penny you pay for it.


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Tuesday, 10 October 2017

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"Majority of Households Paying Obamacare Penalty Are Low and Middle-Income"

Almost out of 5 of those penalized bring in under $50,000 a year.

Please remind me what the first "A" in PPACA stands for?

As we noted yesterday, folks who don't qualify for subsides (because they make just a tad too much, but not enough to get out from underneath this trainwreck) are facing record rate increases, and now those folks who can't even afford to buy insurance are getting hit with penalties for going bare.

Something's got to give.

Methinks Maxine was right all along.

[Hat Tip: AssocAmerPhys&Surg]


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Friday, 6 October 2017

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This is interesting, from the folks at The Standard insurance company:

"With the Student Loan Rider, if you become totally disabled and can’t work, we’ll reimburse all or a portion of your student loan payments so you don’t fall behind."

Now, we've seen imaginative disability insurance products before:

"But what if, because I’m disabled, I’m not earning any income? Even if I could afford to do so (and how many disabled folks are?), I’m not allowed to contribute to my plan until and unless I’m back to work."

Hence, MassMutual's RetireGuard product, which puts money aside for your retirement for you if you're disabled. This new product from The Standard is actually a rider available to physicians and dentist, rather than a standalone policy.

How does it work?

Well, if you're a doc (or dentist) and your Standard DI plan includes this rider, then they'll "reimburse you for your monthly student loan payments if you suffer a total disability and are unable to work." So it's a paid-as-you-go arrangement.

Interesting, really: just when you thought that there's nothing new under the sun, a carrier will come along and prove you wrong.

NTTAWWT.


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Thursday, 5 October 2017

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The Much Vaunted National Health Service© continues its proud tradition:

"Most recently, Professor Ted Baker-- the new chief hospital inspector-- declared it was “not fit for the 21st century.”

Ooops.

Turns out, the bureauweenies who actually run the hot mess seem perfectly okay with "[normalizing] wholly unsatisfactory treatment that endangers patients and guard against unacceptable and unsafe practices."

Examples, please?

Sure:

- Piling patients into hallways
- lack of proper patient monitoring
- shortage of oxygen and medical supplies
But hey: "Free!"


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Wednesday, 4 October 2017

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Our friend Dr Dana Beezley-Smith has been published once again in The National Psychologist, this time on the subject of price transparency in health care (Spoiler Alert: she's for it):

"We could create cost-unconscious consumers in virtually any industry in the country if we introduced third-party coverage."

Yup - Recommended.

Via FoIB Rich W, a thousand words on the failure of Single Payer:

In email from Anthem, some good news:

"Anthem, Inc., has reached a settlement to resolve the multi-district class action litigation relating to the 2015 cyber attack against the company. The settlement did not include any finding of wrongdoing, and Anthem did not admit any wrongdoing or that any individuals were harmed as a result of the cyber attack."

Whew.

On the other hand:

"Equifax says 2.5M additional individuals potentially victimized during data breach."

Ooops.

ProTip: LifeLock (with special 10% IB discount)

Finally, remember that explicit "If you like your plan..." promise? Well - and you'll want to sit down for this - that guy lied:

"In the face of significant uncertainty surrounding the future direction of U.S. health care policy, Premier Health Plan will discontinue Premier HealthOne Off-Exchange plans on December 31, 2017. This follows Premier Health Plan's June 2017 announcement regarding the 2018 exit from the On-Exchange marketplace"

#ACAWinning #ACACompetition


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Monday, 2 October 2017

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Another in our (seemingly unending) series.

Amy has had her grandmothered United Healthcare HSA-compliant plan since 2013. It sports a $3,000 annual deductible, after which all covered expenses are paid for at 100%. And since it's a PPO plan, she has coverage both in and out of network.

Her current rate of $252 a month is going up by 5%, to $267 a month.

I've suggested that she kiss UHC on the mouth.

Why?

Well, she doesn't qualify for a subsidy, so the least expensive comparable Exchange plan (offered by Anthem, believe it or not) is just shy of $300 a month, but it does have a $6,550 deductible/out-of-pocket. Plus, it's an HMO plan, which means that there is essentially zero out-of-network coverage.

Now, she does have some options: for example, she can increase her deductible to $4,000 and save just shy of $400 a year, which might make some sense. We shall see.


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