Posted on 06/14/2013 8:10:00 AM PDT by SeekAndFind
In Texas, 34 percent of doctors are not accepting new Medicare patients or have limited the number of patients.
• In Iowa, 17 percent have shut out Medicare patients
• The American Medical Association says 17 percent of more than 9,000 doctors surveyed restrict the number of Medicare patients in their practice. Among primary care physicians, the rate is 31 percent./p>
The cost of health care has been a nagging public policy issue for decades, even before the government took on the task of insuring retirees in the 1960s. The issue continued to fester through the Social Security reform of the 1980s and the attempt at a top-down government restructuring of the health-care industry in the 1990s, spearheaded by Hillary Clinton that resulted in a backlash strong enough to end forty years of Democratic Party dominance in the House of Representatives in the midterm elections of 1994.
Republicans mainly punted on health-care reform except to add an expensive prescription-drug government program to Medicare during the early days of the Bush administration, leaving Democrats an open path to finally imposing the top-down restructuring they had pursued for decades in the Affordable Care Act of 2010.
The ACA, known as Obamacare, was passed on promises that premiums would decline by forcing everyone into insurance plans, and that top-down mechanisms like mandates on coverage and the Independent Payment Advisory Board (IPAB) would control costs. That hasn’t proven to be the case, and indeed, both premiums and costs are skyrocketing – just as anyone who understood the impact that mandates would have on risk pools and tax hikes on prices predicted.
As the open enrollment period for 2014 approaches, premiums on individual plans in the Obamacare exchanges for California will double, and will increase 80 percent or more in Ohio. At the end of its first decade in force, the ACA will leave more than 30 million Americans without insurance – the driving issue behind health-care reform for at least the last twenty years.
The problem with all of the health-care industry reforms has been that precise goal: expanding insurance. The widespread use of comprehensive insurance policies insulates end users in the system from price signals, especially on routine care. That eliminates competition on price as insurers use their economic weight to pre-negotiate pricing on every kind of service and product under their coverage, from blood tests to setting broken bones. Providers locked into a specific schedule of reimbursements have no reason to innovate to either lower costs or increase value, and end up having to spend money and time dealing with insurance companies for delayed payments rather than focusing on the patients seeking treatment in their clinics.
Ironically, the multiplication of mandates and other regulations in the ACA on both private insurers and government-run programs like Medicare and Medicaid have more doctors opting out of the third-party-payer system altogether. Earlier this week, CNN Money reported on the migration to cash-only services among health-care providers, driven by poor reimbursements, increasing regulation, and high overhead.
Dr. Doug Nunamaker, a family-practice physician in Wichita, knows that his decision will eliminate some of his demand, but the cost savings and the freedom more than make up for any business lost over his refusal to take insurance. "The paperwork, the hassles, it just got to be overwhelming," Nunamaker told CNN.
RELATED: The Cost Explosion of Obamacare Begins to Hit Home
Nunamaker and the increasing number of providers pursuing this option have to court aggressively a smaller market by competing with each other on price. Fortunately, with the mandates and reimbursement headaches removed, that becomes much easier to accomplish. Nunamaker structures his business on a membership model, where a flat monthly fee allows customers unlimited access to his clinic. For most adults, the fee is $50; senior citizens pay $100, but membership for children costs only $10 per month.
Let’s say that an average family of four, with two adults and two children, sign up for this service. That would cost $1,440 a year for complete coverage of any services that can be provided within the office. The least expensive plan on eHealthInsurance.com all-plans for a family of four in Wichita costs $329 a month – and that has a $10,000 deductible. For a deductible of $1500 for the family – the same cost of the membership at Nunamaker’s clinic – the price would jump to $869 per month.
What happens when a patient needs services the clinic doesn’t provide? Nunamaker has created partnerships with providers at costs amounting to fractions of what insurance pays, CNN reports. A $90 cholesterol test can be purchased for … three dollars. An MRI normally would cost an insurance company $2000, but Nunamaker’s patients can access one for $400.
Obviously, Nunamaker’s patients need hospitalization coverage in case something significant happens. Normally, catastrophic coverage would be inexpensive, as hospital visits are relatively rare occurrences, especially for younger and healthier people. Unfortunately, Obamacare outlaws such plans in the ACA “exchanges” by making them ineligible for subsidies.
Instead, Americans buying plans on the individual market have to spend much more than they’ll ever pay directly to market-based physicians like Nunamaker, essentially subsidizing the premiums of older and sicker Americans to make Obamacare politically palatable to those demographics who turn out more reliably to vote. Americans purchasing plans through employers won’t have much more luck buying sensible insurance plans, either, thanks to other mandates within the ACA on employer-provided health insurance.
This limits the potential for physicians like Nunamaker, but it doesn’t bother him. He earns around $200,000 a year from his cash-only practice, but more importantly, he gets to focus on treating patients rather than fulfilling insurance-company demands. His patients get to make decisions on care based on real costs and market-based price signals, not on which insurer covers the routine costs for far more than the care itself would usually cost. Nunamaker tells CNN that his practice is “the best it’s been in my 26-year career – by far.” He’s not alone, either. A survey by Medscape finds that 6 percent of physicians operate on a cash-only basis, up from 4 percent in 2012.
In a rational world, this is what health-care reform would look like – stripping out third-party price-signal screens, opening competition at a retail level, and allowing patients and providers to drive health-care decisions. Instead, as we have seen for almost 50 years, the US has moved in the opposite direction to impose a one-size-fits-all solution and mandate-driven health care choices. It’s no surprise at all that doctors are leaving that system in greater numbers, and that costs are exploding for consumers. If enough doctors leave the Obamacare system, we may end up with true reform from the bottom up.
Doctors are hereby declared to be unpaid feral government employees.
Now shut up and do as you are told.
So, Justice Roberts will now find a constitutional obligation to work for the government??
NSA and unintentional ‘agents’ are reading his,
and other SCOTUS, emails and calls to their children
at this very moment to insure the outcome
against the American people ... who do not want it.
But what the heck?
It violates the US Constitution, too.
I know of a doctor who is going back to paper records, and cash payment. Wonder how soon the goons will com after him?
Not too far from Directive 10-289.
It’s the only way that they can make people comply with onerous laws.
I wonder what it would cost to visit a local doctor who has no medical malpractice insurance and doesn’t deal with insurance companies - and only takes cash payment.
I suspect it would be pretty reasonable.
Going thru this now with some extended family in Florida.
Their doctor was recently diagnosed with cancer and had to retire suddenly. Nobody but nobody within a 50 mile radius is taking new Medicare patients. And given the demographics down there I have to presume that they’ll ALL be running for the hills.
I was at my doctors office and heard his receptionist on the phone telling someone they are not accepting any new patients at all.
Medicare has “controlled” costs, by stiffing the payee altogether or delaying payments, waiting for a compromise settlement (always in Medicare’s favor), reducing the “allowable” fee by a considerable factor.
Yet they will unquestioningly pay some outrageous sums for “politically correct” treatments of specific disorders.
Too bad that there are no bureaucrats in Medicare that understand the economics of health care and treatment.
If doctors (or their staffs) do not have to deal with nearly so much paperwork, they may deliver health services at a much reduced cost, which then is passed on to the consumer.
But if the “consumer”, i.e., the third-party payer, does not care, then, what limits the costs, then they are without restraint in assessing their clients for their services.
This is the nasty little surprise that is buried in Obamacare (the “Patient Protection and Affordable Care Act of 2010”).
No protection for patients and totally UNAFFORDABLE care for the unfortunates subject to the provisions of this tax bill.
On several past threads I’ve written I have 4 Dr.s I go to that have retired this year.
And I just got a letter from the physical therapy office I’ve gone to that starting July 1 they no longer accept Medicare patients.
Next year when OBcare really kicks in it’s going to get much worse.
RE: Nobody but nobody within a 50 mile radius is taking new Medicare patients.
Simple big government solution -— PASS A LAW THAT *REQUIRES* ALL DOCTORS NATIONWIDE TO ACCEPT MEDICARE PATIENCE.
Punishment for not complying — REVOCATION OF LICENSE TO PRACTICE.
Let’s see what Justice John Roberts tells us about it...
Just as soon as they find the necessary lever in the NSA “stack of stuff” from whence they first pressured his finding of “Constitutional” last summer.
My doctor accepts Medicare and told me Monday that I must have 12 physical therapy sessions BEFORE Medicare will pay their portion, new rule.......thanks, Obamacare. That means a month more of really bad back pain for me.
No wonder doctors are getting out.
I have some serious medical issues and need specialists who are knowledgeable about my rare condition. That said, since I moved, I have had a terrible time just finding a doctor who would take Medicare and/or new patients. Finally got a great PCP who knows about my primary condition and is a tea partier to boot! I love him but he’s in his early 60s so who knows how long he will practice under Obamacare! My premiums have gone up every month this year. Can’t wait to see what they will be next year! Every time I refill my meds, my copay is higher, too! I have had to just stop taking some of my asthma meds and hope for the best. Obamacare will surely kill off all of us seniors with serious medical problems quickly, as planned.
I think a lot of people will opt not to buy 0-care exchange or even costly employee insurance. When healthy, they can go to private clinics for minor problems. If they have to go the hospital for a catastrophic event, a lot of people will simply go bankrupt and go on Medicaid. But like seniors that require long term nursing care, many will take steps now to shield assets. Shielding assets could include many things, but I suspect that many will just buy a mattress.
That doctor would have to know about health, nutrition, healing and would have to be ready to treat without the usual dependency on tech based tests and pharmaceuticals and his patients will have to be of the same philosophy. They will have to have a working relAtionship with the local health food stores, whose industry is as under attack as the self defense sector
These do tots will do well but since this admin has no interest in health but in power and destruction it will be where their philosophy will be obvious
All part of the plan....Cloward-Piven, to enable a complete government takeover of health care.
Docs won’t be allowed out any more than patients will. It’s a wonder that only a minority is clear on this as the NSA snooping is defended by pundits and house republicans. No sense of history philosophy despotism is a big problem in this country which had better get a clue
Bottom line, the Zero regime will find a way to make everyone jump through their hoops thew way they want them to. Dissidence will not be tolerated by the media selected boy-king wannabe.
I'd like to see doctors advertise their costs - I got hit with a $390 bill for a thyroid blood check once. I told them I wasn't paying it because I was not told what the cost would be beforehand. I asked the doctor if he would buy a car before he knew what it would cost, he said, "Of course not". Well????
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