Premiums Up, Choices Down: The First Wave of Obamacare

by Elizabeth Lee Vliet, M.D.

Kaiser Family Foundation just released further bad news about the poorly named Patient Protection and Affordable Care Act (“Obamacare”). American families facing a bad economy, high unemployment, and crashing home values now get hit with another cost increase: higher health insurance premiums that are rising more every year.

Obama’s campaign focused on “hope and change,” but I suspect these winds of “change” are ones that most Americans did not “hope” for, did not want, and would like to escape.

Look at the bleak facts:

In 2011, the annual health insurance premium for a family of four was pushed above $15,000 for the first time ever.

The 2011 annual health insurance premium was 31% higher than 2006, and 113% higher than in 2001.

Health insurance premiums were 9% higher in 2011 than in 2010. And the media says there is no inflation? Did your income go up 9% from 2010 to 2011? Not for the vast majority of Americans!

Hurricane Irene wreaked visible damage all along the Eastern seaboard this fall. The damage from Obamacare’s extensive new mandates and regulations is less visible, but no less damaging to individuals, families, businesses, and our overall economy. At least we had warning that Hurricane Irene was coming and could take steps to prepare and protect ourselves. But we were falsely promised that the hurricane named Obamacare would lower costs, improve access to health insurance, and “protect patients.” Even in this earliest stage, with only a fraction of the mandates implemented, we are seeing massive damage.

Obamacare advocates like to blame the “greedy” insurance companies. But most of the blame for higher premiums is directly caused by the Obamacare first wave of mandates and regulations.

As of the fall of 2010, all insurance policies must:

keep adult “children” up to age 26 on parents’ policies,
provide “free” preventive care and screenings for everyone
cover pre-existing medical conditions for children

Adding this coverage unavoidably means the policy will have to cost more.

Obamacare regulations already control practically every decision a private insurance company can make. It is only going to get worse as government “medicrats” micromanage every single aspect of insurance coverage.

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No Room for Medicare Patients

by Jane M. Orient, M.D.

When I went into solo practice of internal medicine in 1981, it was very easy to get a doctor to see a Medicare patient. All I had to do was make a phone call. A courteous receptionist answered. If the doctor couldn't come to the phone right away, I could count on a prompt callback.

Consultants saw patients quickly, and generally called me to discuss their findings and advice. And very often there would also be a letter in the mail: “Thank you for referring this delightful patient to me.”

How things have changed! Now a doctor gets the phone menu, just as the patients do, and it often ends in voice mail. It might be a few days before a staff member calls back—usually with the news that “we are not accepting any new Medicare patients.” At best, my patient might be offered an appointment in several months.

One very fine gentleman, who had recently moved to a rural area, found it easier to fly to Tucson to see me than to get in to see a local internist. That was in 2009. Recently, he has become unable to travel, so I needed to find him a local doctor.

I tried to expedite matters by ordering him an immediate diagnostic test: an abdominal CT scan. I don’t think anyone could argue that it wasn’t indicated under the circumstances. One little problem: I am not enrolled in Medicare and don’t have the proper government-issued number to enter into the computer. A license to practice medicine is not enough. This National Provider Identifier (NPI) is supposed to protect the system against being defrauded. Without that number, the imaging facility could not get paid by Medicare.

“Why not use the radiologist’s number?” I asked. After all, he was the one who would get paid. Nope, a referral was required. How about a self-referral from the patient? Nope, we can’t allow patients to decide what tests they need. “The patient is willing to pay for his own test,” I said. Nope, if he’s on Medicare, they aren’t allowed to take his money.

They gave the patient 24 hours to find a properly enumerated doctor to countersign my order. Fortunately, he found a specialist willing to do so, and assume potential criminal liability for committing “waste, fraud, and abuse” by ordering a “medically unnecessary” study. (Fortunately for the patient, he turned out not to have cancer, but that could be bad news for the doctor.)

So this is the status of retired Americans. They can’t just walk into a facility and request a medical test, and pay for it with their very own money. A man may be qualified to pilot a 747 across the Pacific, but once he’s on Medicare, he is unfit to make an unsupervised decision about his own medical care.

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Ronald Reagan Commercial from 1950

Did White House Snub Fraud Fighter?

GE Moves Healthcare X-Ray Unit Headquarters To China

by Mamta Badkar

General Electric's health-care unit is moving the headquarters of its x-ray business from Waukesha, Wisconsin to Beijing to gain from Chinese growth, according to Bloomberg.

The company said only a few of its top managers would move to China, and that it expects no job losses at its Wisconsin office, that has 120 employees. GE Healthcare will however hire 65 new engineers and other staff at the new Chengdu facility.

This is part of the parent-company's broader plan to invest $2 billion in China. General Electric expects its health-care revenue in China to rise 20% annually through 2015.

Earlier this year GE Healthcare launched a three-year "Spring Wind" initiative that aims to helps the Chinese government by developing affordable healthcare products, boost medical distribution network across China and offer training for Chinese healthcare professionals. In 2010, GE Healthcare also committed to sending 500 members into rural China to help grassroot medical institutions.

While the company reported no job losses in the U.S. stemming from the move, President Obama and Jeffrey Immelt are likely to face flak, since Obama appointed Immelt the top outside economic adviser and charged him with running a jobs-focused panel to help bring the U.S. economy back on track.

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Health Tip

Rand Paul Equates Universal Health Care to Slavery

White House Lacking Transparency on Health Care Records

by Ricardo Alonso-Zaldivar

WASHINGTON (AP) — President Barack Obama once promised that negotiations over his health care overhaul would be carried out openly, in front of TV cameras and microphones. Tell that to the White House now.

Republican congressional investigators got the brush-off this past week after pressing for details of meetings between White House officials and interest groups, including drug companies and hospitals that provided critical backing for Obama’s health insurance expansion.

Complying with the records request from the House Energy and Commerce Committee “would constitute a vast and expensive undertaking” and could “implicate longstanding executive branch confidentiality interests,” White House lawyer Robert Bauer wrote the committee. Translation: Nice try.

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Planned Parenthood Exposed

Is Washington forming a new Aristocracy?

by Ralph Weber

Captain John Smith was one of the first leaders in the settlement of Jamestown, in the Virginia Colony. After the killing winter of 1609 when only 50 of the 600 settlers survived, Captain Smith encouraged farming with a famous admonition taken from the New Testament (II Thessalonians 3:10): “He who does not work, will not eat.”

According to Wikipedia: He gave the name New England to that region, and encouraged people with the comment, “Here every man may be master and owner of his owne labour and land… If he have nothing but his hands, he may… by industrie quickly grow rich.” His message attracted millions of people in the next four centuries.

I believe this was the moment of conception of America, for on this day was borne the dream, the belief, that by our own labors we may create our own success. Many of the early settlers left the aristocracy [1] of England because the system of aristocracy, and elitism [2] led to mediocrity, and was a hindrance to success, and ensured the only the very few in the ruling class, and their friends would succeed. Captain Smith singlehandedly shattered aristocracy in America.

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Obamacare’s Penalty for Not Buying Insurance Isn’t a Penalty

The wisdom of Sheila Jackson-Lee: Fining people who

don’t buy insurance is an incentive, not a penalty

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Socialized Healthcare Failing England's Elderly

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2008: Obama Opposed Government Mandated Healthcare

Obama in 2008: If government can mandate

healthcare, it could mandate buying a house

Health Care Law Unlikely to Fulfill Promises

Medicare Actuary Doubts Health Care Law

Will Hold Down Costs

by The Associated Press

WASHINGTON -- Two of the central promises of President Barack Obama's health care overhaul law are unlikely to be fulfilled, Medicare's independent economic expert told Congress on Wednesday.

The landmark legislation probably won't hold costs down, and it won't let everybody keep their current health insurance if they like it, Chief Actuary Richard Foster told the House Budget Committee. His office is responsible for independent long-range cost estimates.

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Rush: If ObamaCare is so great, why all the waivers?

Union Workers Exempt From Obamacare

Corruption: Unions Make up 40 Percent of

Employees Exempted from Obamacare

by David Freddoso

Yesterday, the Deparment of Health and Human Services announced it had granted more than 500 new waivers to Obamacare's requirement that health plans have annual limits of no less than $750,000. This annual limit requirement climbs to $1.25 million next year and then to $2 million.

The reason these exemptions from the law are needed is that Obamacare forces all health insurance consumers to over-insure themselves and pay high premiums as a result. Without the waivers, many companies, non-profits and unions would simply drop their health plans. As of 2014, the waivers will no longer be available -- at least, that's the way the law is written.

It is worth noting that there are 166 union benefits funds now exempted from this requirement, which account for about 40 percent of the exempted workers. This means that although there are only 14.6 million unionized employees in the United States, and 860,000 of them are already exempted from this provision of Obamacare.

Here is the list:

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Berkeley: Sex change operations are an employee benefit

by Carolyn Jones

While other cities are slashing employee benefits, Berkeley is slated to add one more: paying for sex-change operations.

The City Council is poised to vote tonight to set aside $20,000 annually for city workers' gender-reassignment surgery. The procedure is not covered by the city's two health insurance providers, Kaiser and Health Net.

"We offer all kinds of benefits to our employees. This brings our benefits in line with what's just and fair for the transgender community," said City Councilman Darryl Moore, who originally proposed the idea in 2007.

The benefit would allow employees to collect the money before the operation. To receive the payout, employees would have to have lived as the opposite sex for at least one year and undergone hormone therapy. They also would have to have worked for the city at least a year.

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Paul Ryan: Health care law is a fiscal house of cards