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So, have a (long-time) client that needs a short term medical plan. Decided on one from United Healthcare (don't judge). After choosing deductible and co-insurance options, we started the "Broker Assisted Application" process (which basically means that I fill in his name and date of birth, etc, and checking account info). Once that's done, I press a button that sends him a link, he completes that link with his last name and date of birth, then hits continue to send it back to me for finalization.

Well, that's the way it's supposed to work, anyway.

What happened this morning - repeatedly - was that he would get the link, enter the info, press the magic button, and be told:

"Application not found."

Really, then how the $@()*^ did you know to send him the link in the first place, dummies?

After repeating this another time, with different browsers and same results, I called the ever-helpful people at Home Office. They advised me that he needs to complete this process from Google Chrome. I responded, well then, maybe we'll just use the "via text" option, and was assured that this process will not work for the application portion.

Then why offer it, you dolts??

This is person wants to give you money and you're making it difficult for him to to do so?

Wow, just wow.

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There's no question that the cost of prescription medication is a significant driver of health insurance costs. And there's decent enough evidence that "Big Pharma" plays by ... ummm ... perhaps different rules than most industries, racking up fairly decent profits (NTTAWWT). And we hear from the "health care press" on a daily basis how bad this is for consumers and patients.

But maybe there's a good reason for this: after all, in a (nominally) free enterprise system, greater risk should justify greater return.

Okay, Henry, what the heck are you babbling on about?

Well, this:

"the United States generates more new medicines annually than the rest of the world combined. Specifically, it produces 57 percent of all new drugs each year. Switzerland is second with 13 percent;" https://t.co/QLE2W9hBeo

— Bob Tufts (@TuftsB) November 6, 2018

Keep in mind that it may cost millions of dollars and decades of research to come up with even one new med, which then has to undergo the (presumably) stringent FDA approval process. And, of course, some non-trivial number of these new efforts fail to pay off.

Maybe there's some room for debate here, after all.

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I'm not really sure that I find what I'm about to share credible, but it is intriguing, and who knows, maybe there's something to it. In any event, it's something very different.

 Let's start with the Jewish practice of "laying t'fillin:"

The practice comes to us from several sources. The Torah (Jewish Bible) tells us in Deuteronomy and in Exodus to "bind them as a sign upon your hand, and they shall be for frontlets between your eyes." Observant Jews (and Jewish tradition) has interpreted that to mean wrapping one's left arm (near the heart) and one's head with special leather straps (at proscribed times and using a specific ritual and prayers).

But  what the heck does this have to do with insurance or health care, Henry?

Well, FoIB Holly R sent us this rather interesting article connecting them:

"A pilot study led by researchers at the University of Cincinnati (UC) College of Medicine suggests Jewish men who practice wearing tefillin ... may receive cardiovascular health benefits."

To be fair, this is a very limited study, including but a score of Jewish men, some of whom regularly engage in this practice, and some who do not (control group).  And of course, correlation ≠ causation, but still, intriguing findings:

"We found people who wear tefillin in either the short or long term, recorded a measureable positive effect on their blood flow. That has been associated with better outcomes in heart disease."

Hunh.

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■ For once, the term "shoddy insurance" doesn't apply to an ObamaPlan. Our friend Jeff M tips us to this item:

"Federal authorities have shut down a network of Florida companies that they say used aggressive, deceptive tactics to sell skimpy health insurance products that skirt requirements of the Affordable Care Act and left tens of thousands of people around the country with unpaid medical bills."

And no, these aren't Short Term Medical plans (or at least, not legit ones). First, these rocket surgeons (allegedly) used the logos of actual carriers to lure folks in, then sold them mini-med and discount plans as if they were "comprehensive" CA-sompliant policies.

And, of course, the numbskull "reporter" calls them "short term health insurance plans like those promoted by President Trump as an alternative to the Affordable Care Act."

Y'know, Bob, a simple call to a real agent could've helped you avoid embarrassing yourself.

(Aww, who am I kidding - these "journos" have no shame)

■ We're generally pro-DPC (Direct Primary care), although we've been known to call out some of its more ... enthusiastic ... proponents. Mark Aubry (of Impact Capitalists) alerts us to "The 8 Problems with Direct Care Medicine:"

"[W]e’ve been involved in the direct care “movement” for about 6 years now.  Sometimes we’ve stood on the periphery at events and conferences and sometimes we’ve run direct care clinics ... there is a real difference between hiding prices and using prices as a competitive advantage."

There's more and , while it's not exactly devastating, it does point out some areas of legitimate concern.

■ We've long written about the Much Vaunted National Health Service©'s war on children. Here, for example:

"[I]n this case it's actually cost the MVNHS© more money to fight his being flown elsewhere for treatment at his parents' expense."

And so one might be justified in thinking they'd hit rock bottom.

Justified, but wrong:

Children's operations cancelled by NHS up 58 per cent since austerity began, new figures show @Independent https://t.co/IGOtjbF7zh pic.twitter.com/aliOiyUhfo

— Sally Pipes (@sallypipes) October 29, 2018

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Regular readers know that Canada's "free" health care system has, well, issues. Some years ago, we noted:

"A group in British Columbia has offered medical waiting-list insurance to members whose government treatment is on hold."

And, of course, it's well-documented that this is a problem for a lot of our Neighbors to the North:

"My father’s first oncologist appointment was scheduled for after he died."

Well, better late than ... Oh.

A half dozen years ago, Bob posted on the Surgery Center of Oklahoma, which "operates on a cash only basis. They do not accept health insurance, Medicare or Medicaid funds."

Turns out, our Neighbors to the North also have their own version:

"Check out Timely Medical Alternatives in Canada, which specializes in helping Canadians find affordable care (for cash payment) instead of waiting in the queue."

And indeed, when one visits the (aptly named) "Timely Medical Alternatives" site, one is greeted with an informative banner that touts their 14 years of experience, 20 facilities in Canada and the US, and (like their Sooner State colleagues) significant discounts. Best of all, they touch on two IB "hot buttons:" speed and transparency.

Speed:

"Recent evidence suggests that Canadians who require surgeries wait on average for approximately 20 weeks to receive the treatment they deserve, more than twice as long as national averages from when data first was collected a little more than 20 years ago"

But hey, free, right?

And transparency: one has only to select from the menu of services provided, and with a click of the mouse receive a free, no obligation quote.

Nice.

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So as Open Enrollment '19 kicked off yesterday, lots of folks checking out the new plans and (of course) higher rates. Our friend Rich Weinstein offers this helpful factoid that may give us a hint of things to come this time 'round:

Has anyone noticed there's only abt 10m enrolled in exchanges & the (2013) baseline estimate is about triple that?

I know 8m were to be screwed out of ESI & sent to HIX via Cadillac Tax. But that still leaves an additional 10m shortfall.

Obamacare's an epic failure. pic.twitter.com/2Y7NcUllJl

— Rich Weinstein (@phillyrich1) October 31, 2018

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