Tag: healthcare

Finding out what’s in it: An audit by the inspector general of Health and Human Services (HHS) has found that the agency has no internal system to verify that $2.8 billion in Obamacare subsidies were paid correctly, or even to the right people.

The [inspector general] said the agency did not have a system to “ensure that financial assistance payments were made on behalf of confirmed enrollees and in the correct amounts.” In addition, [HHS] relied too heavily on data from health insurance companies and had no system for state-based exchanges to “submit enrollee eligibility data for financial assistance payments.”

The government does “not plan to perform a timely reconciliation” of the $2.8 billion in subsidies. [emphasis mine]

Not only have they given out billions without proper record-keeping or proper verification, the agency has no intention of fixing the problem. “Ain’t my job, man!”

Finding out what’s in it: A new poll has found that Obamacare, five years after it was passed, is more unpopular now then ever before.

Which is why the Republicans should do nothing to fix it should the Supreme Court rule against Obamacare subsidies in states with no health exchanges, and instead stick with full repeal followed by specific fixes to the previous laws.

I am even more convinced that full repeal is the right political approach after reading this leftwing reporter’s take on the situation. He thinks the above plan is stupid, knows the Democrats and Obama will never agree to it, but also knows that the public does not blame Obamacare in any way on the Republicans. As he notes,

And one of the reasons why Democrats should not assume that a ruling for the plaintiffs in King will totally backfire on Republicans is the cynical, but powerful, source of leverage that Thune is tapping into here: Democrats passed health care reform, and thus Democrats will get blamed for anything bad that happens to the health care system.

The above poll confirms this. The Republicans had better recognize this if they want to take full political advantage of it.

Finding out what’s in it: Doctors are finding that they better not criticize Obamacare in public or they will face retribution from its bureaucracy.

For physicians in this position, public advocacy against the ACA could be in violation of employment contracts or could be a source for dismissal. Most doctors’ contracts also include a two-year noncompete clause that essentially requires the doctor to move out of town once he or she leaves a specific job. So, running afoul of your employer by criticizing the ACA could result in not just losing your job but also forcing you to leave your hometown.

And that’s not all. Many doctors are also afraid of losing insurance contracts. The vast majority of doctors who are still private-practice owners are dependent on a handful of large insurance contracts for revenue. Speaking out against insurance companies — which were complicit in the ACA’s passage and are some of its primary beneficiaries — can result in cancellation of those contracts.

Finding out what’s in it: More health insurers have now calculated the costs for the first two years of Obamacare and have realized that they need double digit premium increases.

The real political bottom line here, should the Republicans not go squishy and agree to take the blame for something they had no part in, is this:

The consequences of this inevitable failure of the ObamaCare model puts Democrats in a tough spot. They have to decide whether it’s better to have this hit in October 2015 right before the primaries, or try to delay the inevitable and possibly have it hit in 2016 right before the general election. Of course, just because premiums spike upward this year doesn’t mean they won’t escalate sharply in 2016 for the 2017 plans too.

Obamacare was imposed on us by Obama and the Democrats, entirely on their own. All of its problems were caused by them alone. The last thing the Republicans in Congress should do is to help them tinker with Obamacare to try to fix it. Instead, the Republicans should loudly increase their calls for repeal and an effort to start over, from scratch.

Finding out what’s in it: Obamacare has forced doctors to increasingly replace medical care with administrative duties, much of which has been forced on them by the law’s requirement that they switch to electronic records.

The newly elected Barack Obama told the nation in 2009 that “[electronic records just won’t save billions of dollars”—$77 billion a year, promised the administration—“and thousands of jobs, it will save lives.” He then threw a cool $27 billion at going paperless by 2015.

It’s 2015, and what have we achieved? The $27 billion is gone, of course. The $77 billion in savings became a joke. Indeed, reported the Health and Human Services inspector general in 2014, “EHR technology can make it easier to commit fraud,” as in Medicare fraud, the copy-and-paste function allowing the instant filling of vast data fields, facilitating billing inflation.

That’s just the beginning of the losses. Consider the myriad small practices that, facing ruinous transition costs in equipment, software, training and time, have closed shop, gone bankrupt or been swallowed by larger entities. This hardly stays the long arm of the health care police, however. As of Jan. 1, 2015, if you haven’t gone electronic, your Medicare payments will be cut, by 1 percent this year, rising to 3 percent (potentially 5 percent) in subsequent years.

Then there is the toll on doctors’ time and patient care. One study in the American Journal of Emergency Medicine found that emergency-room doctors spend 43 percent of their time entering electronic records information, 28 percent with patients. Another study found that family-practice physicians spend on average 48 minutes a day just entering clinical data.

Forget the numbers. Think just of your own doctor’s visits, of how much less listening, examining, even eye contact goes on, given the need for scrolling, clicking and box checking.

The last point is absolutely true. I have found that with most doctors today, they spend most of my visit working their computer than looking at me. It is very bad medicine, which is why my best doctors refuse to do it. Either they have an assistant do it for them (raising costs of course) or they wait until the visit is over (which of course eats into the time available to see patients).

But who are we to argue with Obama and the Democrats? As well-meaning liberals, they know best and everyone else should just shut up and obey their orders.

Link here. Read it all, but here is a good quote to get you started:

The problem is that the deductibles on many Americans’ health insurance policies have shot up so high that as a practical matter they can’t afford care. If a couple had a deductible of, say, $500 in the past, and it’s now $3,000, that couple has to spend a lot of money out-of-pocket before reaping the benefits of coverage. And the higher the deductible, the more likely a person is going to skip some sort of needed treatment or medicine because he or she can’t afford the up-front costs. “About a quarter of all non-elderly Americans with private insurance coverage do not have sufficient liquid assets to pay even a mid-range deductible, which at today’s rates would be $1,200 for single coverage and $2,400 for family coverage,” the Wall Street Journal reported in March.

So now, many of the same groups that agitated for Obamacare are agitating for new government spending or tighter controls on the insurance industry and businesses to “solve” the problem. But perhaps the first question to ask is: How did those deductibles get so high in the first place?

The answer is Obamacare.

Bluntly, almost all the high costs and deductibles we see now in health insurance and healthcare that have appeared in the last five years have occurred because they were specifically mandated by Obamacare. So of course, according to the warped logic under which the modern Democratic Party operates, we should immediately expand Obamacare even more! Meanwhile, the Republican leadership is scrambling to prop up Obamacare due to their terror that everyone will blame them for its problems, even though they opposed Obamacare from the beginning, never wrote one word of the law, and contributed not a single vote in favor.

You can’t make this stuff up.

Finding out what’s in it: A survey of businesses has found that employers have reduced employee work hours significantly to avoid Obamacare.

A new survey by the Society of Human Resource Management released Tuesday found about 14 percent of businesses have reduced part-time hours and another 6 percent plan to do so. Employers are reducing hours to avoid Obamacare’s employer mandate, which requires companies to provide health insurance to all workers that work 30 or more hours a week. In addition, 5 percent of companies already reduced or plan to reduce the total number of employees.

Believe me, this is only the start. Essentially, Obamacare makes it difficult if not impossible to make a profit.

Finding out what’s in it: For the first time in 15 years, Blue Cross/Blue Shield of North Carolina will lose money in 2015 due to Obamacare.

Blue Cross and Blue Shield, the state’s largest health insurer, said Friday that it posted its first financial loss in 15 years as a result of insuring high numbers of older and sicker people under the Patient Protection and Affordable Care Act. The Chapel Hill organization signed up 257,704 people under the federal health care law, which requires insurers to provide coverage regardless of a customer’s health condition. New enrollees last year swelled Blue Cross’s covered membership to 3.91 million people, and boosted revenue by 25 percent to an all-time high of $8 billion.

But steep medical claims – for hip and knee replacements, heart procedures, specialty drugs and other costs – drove up medical claims from $5 billion in 2013 to $6.4 billion in 2014. Blue Cross also paid $156 million in ACA-related fees, a new cost for the company.

Federal subsidies under Obamacare are supposed to cover these loses, but then we must ask where is the bankrupt federal government going to get this money? In the end, someone is going to go bankrupt and we will all be worse off.

The glitches keep coming! Because almost a million taxpayers were provided incorrect information by the Obamacare online system the Obama administration has announced that there will be delays in sending them their tax refunds, with many being forced to resubmit their tax returns.

The truth is that these kinds of screw-ups should be and will be routine in any system as complex and Rube Goldberg-like as Obamacare is.

Bur just keep reminding yourself: The Democrats continue to support this law in every way, refusing to consider any change under any condition.

The law is for little people: The Obama administration announced on Wednesday that it will delay for five months enforcing a part of Obamacare pertaining to small businesses.

It seems that under Obamacare businesses are no longer allowed to offer employees spending accounts which can be used cover a portion of the cost of buying individual health plans. (Another example of not being allowed to keep your plan, even if you like it. Period.) If they continue to offer these accounts they could get fined $100 per day per employee. If they don’t, their employees might find themselves without health insurance.

So, the Obama administration is not going to enforce another Obamacare provision for five more months, even though this law was Obama’s gift to the nation and was so perfect it wasn’t necessary to discuss its passage with anyone outside the Democratic Party. In fact, it was so perfect the Democrats themselves didn’t need to read the law before they voted for it!

Finding out what’s in it: Staples has implemented a strict policy that requires its workers to work less than 25 hours per week or be fired in order to avoid Obamacare.

The company claims this policy has been in place for years, but I suspect this is not quite true. What is true is that Obamacare has significantly crippled American industry by imposing such oppressive costs and regulations on growing businesses that businesses have been forced to stop growing in order to survive.

But don’t worry. Just days ago the Democrats in Congress stood firm and once again voted in unison in favor of keeping Obamacare the law of the land. No repeals of any kind if they have they way!

Finding out what’s in it: The Obamacare website allows the personal data of users to be gathered by commercial advertising companies like Google, Twitter, and Yahoo.

I should add that this is only a minor invasion of privacy. Much worse is the federal government’s insistence that your actual medical record, required on Obamacare to be digitized, shall be made available to scientists for research purposes, without asking your permission.

Finding out what’s in it: A new study has found that small businesses are increasingly not offering health insurance to their employees since Obamacare went into effect.

The survey, conducted by Assistant Professor of Economics Leslie Muller, focused on companies that have fewer than 50 employees. Companies of that size are not mandated by the ACA to offer insurance to employees. “Small firms have faced, traditionally faced, higher costs so they’ve been strapped for a while. That doesn’t necessarily have anything to do with the ACA it just has to do with the fact that health care costs have been raising it’s been particularly hard on the small firms,” Muller said.

The Survey found that of small businesses that offered health insurance over the past two years, only 40 percent plan to offer insurance in 2015 and only 28 percent in 2016.