MDVIP New type of Health care
7 years ago
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Comments (12)I don't think 600 patients is easing into retirement. That's enough of a patient load you'd probably be plenty busy. I predict it will be the face of things to come under the new health care law because cuts of payments to all health care providers for medicare patients are coming. Physicians are not required to take medicare, but face it...... if you were a gerentologist or internist whose praticise is comprised mostly of the older population they'd lose a lot of patients if you excluded the over 65s. A better answer is to continue to service these clients but ask for what amounts to a retainer for the priveledge. It essentially means those physicians or facilities will not be harmed by the reimbursement cuts. It just means the elderly will pay more out of pocket for their own care and nobody's pointing fingers at the government either, are they? They can add that to the part B, the Part D and their supplementals and deductables. Those seniors who cannot afford to dig deeper to assure continuation with their provider of choice, well they'll have to find a provider who does not charge this retainer and still will accept medicare. Nobody really believed that the health care community was going to take a pay cut did they? Those physicians who continue to accept medicare will not only face increasing patient loads to cover for those who drop servicing medicare patients but that also translates to decreasing compensation per visit or service, and longer waits for appointments for the patient trying to get in....See MoreHealth Reform's Long-Term Care Option
Comments (3)Sorry - a little more info to be added: (IÂm a believer itÂs best to get a private policy before one turns 50 [most carriers will not write an LTC policy on anyone younger than 45] as the premiums start to rise substantially after that age. As the first article states, the premiums for the CLASS program are not much cheaper than a Preferred risk would pay for a much better private LTC policy if purchased at age 50 or younger. Our own policies (purchased thru DH's employer 10 yrs ago) are miles better than the CLASS program offers, but if we tried to obtain these same policies now, weÂd either get turned down or have to pay three or four times more than what we currently pay.) Further info: Article: With Health Reform, Long-Term-Care Option Becomes Law CLASS Act enacted with health care reform 3/24/2010 By Stephen Miller Under the CLASS Act program, all premium costs can be charged to employees. Employers who chose to participate in the CLASS program wil be required to permit employees to make contributions by means of a payroll deduction, once the CLASS Independence Benefit Plan is designated by U. S. Department of Health and Human Services (HHS), which is to be no later than Oct. 1, 2012. Employers either would create automatic enrollment procedures that allow workers to opt out, or allow workers to choose to enroll and pay premiums. Participants must pay monthly premiums for at least five years before they could receive benefits. Seniors (over age 65 years old) who have paid premiums for at least 20 years and are not actively employed are exempt from paying any premium increase. Premium payments will be placed in a "Life Independence Account" on behalf of each eligible beneficiary and managed by the U.S. Department of Health and Human Services as a new insurance program. As the CLASS program is developed, participating employers will need to coordinate with their payroll services providers to facilitate these deductions and contributions. The Congressional Budget Office estimates that the monthly insurance premium will average about $123 in 2011. Premiums vary with age and will not increase once employees signed up, but they would increase for those signing up later. After five years of paying into the program, enrollees who continue to pay monthly premiums would become eligible for assistance if they experience limitations in two or more so-called activities of daily living, including eating, bathing, dressing and taking medications. This assistance would take the form of a modest daily cash benefit, estimated at $50 per day for impaired enrollees living in the community, for services such as respite care, home care aides and accessible transportation, and up to $75 a day for enrollees who become institutionalized. These amounts would increase with inflation. Here is a link that might be useful: Earlier info on CLASS program...See MoreDo you have individual health care? Question
Comments (184)I know I've said this before but as a Canadian I had to have emergency surgery at the ER earlier this year. Walked in, didn't even have my health card because it was expired, walked out later that night never having signed anything or pay a cent. called the billing clerk at the hospital the next week with my new expiry date and she already had it. No muss no fuss no worries and no cash involved. I pay approximately 50% of my income in taxes and federal contributions off the top plus 15% sales tax on many items and services and I'm happy to do so. In return I have access to equitable and excellent public schools, Canada pension plan and employment insurance. Oh and it takes about 15 minutes to do my tax return. there are four main ways the Canadian System saves money and promotes efficiency: 1. Prices for services are set by the provincial governments who act as the public insurer. as we discussed for example a single issue office visit at a GP is $30 In my province. 2. A whole huge layer of middleman and complexity is removed because the system is so simple. What might be a whole wing for billing in an American hospital is a room in a Canadian hospital. Not to mention we don't have intermediate insurers taking a cut. 3. Government negotiate the price of prescription drugs. 4. Family doctors are trained to act as gatekeepers and cost managers. For example if they can solve your problem they wont refer you to a specialist. there's no such thing as an MRI on demand In Nova Scotia unless you want to pay $900 for a private one. This is the most frustrating aspect of the system. but it does make sense, essentially if you're demanding a bunch of testing that doesn't fit the gold standard of care you were likely to be denied....See MoreExpanding health care
Comments (24)I'm sure most are aware that healthcare as an industry has lost a lot of people over the past couple of years, there is a serious shortage of professionals. We are in for a world of hurt. Our care wil go to Nurse Practitioners and Physician's Assistants, who will provably not be supervised by MDs, which is how those degrees are set up. Plus all the experienced nurses are quitting, which is seriously bad too....See More- 7 years ago
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