America Out Loud PULSE: Health Freedom Is More Than Insurance Coverage

From my America Out Loud Pulse podcast with Charles Frohman –https://www.americaoutloud.news/health-freedom-is-more-than-insurance-coverage/

Covid brought out the brewing distrust of the government to do what is best for the general populace, not merely their biggest donors. There are attacks on our health freedom from many directions. The Biden administration wants to limit the duration people can have less costly short term health insurance back down to 3 months. Of course, there are drawbacks, including high deductible and co-pays, and no coverage for pre-existing conditions. But that is an area for transparency. If that’s is what you want, knowing the drawbacks, you should be able to get it.

Another ridiculous push from the executive branch is continuing and worsening the Affordable Care Act’s (ACA Section 6001) limits on physician-owned hospitals. Thanks to the ACA, with a few exceptions, new physician-owned hospitals cannot be built and they are prohibited from expanding facility capacity. This is despite evidence that these hospitals provide high quality care at lower cost. According to new transparency data, both commercial negotiated prices and cash prices in physician-owned hospitals were about one-third lower than their competitors across eight common services. Let’s hope the recently-introduced Patient Access to Higher Quality Health Care Act of 2023 which would remove the ACA’s ban on the creation and expansion of physician-owned hospitals gets some traction.

Speaking of our health, I’d like to mention our food. They say you are what you eat. With our increasing diabetes and obesity, there is emphasis on eating more healthful foods. Food not only is made from gene-altered seeds but so-called real chicken is being made in the lab. Maybe it’s just fine, but the Food & Drug Administration (FDA) approved the lab-chicken as safe in one year. The United States Department of Agriculture (USDA) gave the final stamp of approval to two companies to sell the lab-grown or “cultivated” chicken. The companies will start by selling their product to high-end restaurants. Be careful where you eat. The way so many institutions consider informed consent optional, I wonder if and how this new chicken product will be labelled.

Today my guest and I will discuss various forms of unnecessary government intervention into our overall health and some solutions rooted in freedom.

Please visit Charles’ websites: SubstackFreedom Hub show, and NHF campaigns.

Bio

Charles Frohman is a lobbyist for the National Health Federation to restore informed consent, healer freedom, and end special interest capture of the bureaucracies. After graduating in 1988 with a Government B.A. from the College of William and Mary, he landed at the Cato Institute, and lobbied for a variety of nonprofits focusing on medical freedom. , including Health Ventures for Pain Medicine Rights, Consumer Health Reform, and Natural Health. Since 1990 I have helped politicians, trade associations, think tanks, nonprofits and corporations innovate – and raise their profile. Mr. Frohman is also connecting an innovative health plan with families, entrepreneurs and associations seeking empowerment of patients and healers. advancing the NHF’s health-freedom agenda.

America Out Loud PULSE: Save Money on Your Medical Bills

From my America Out Loud Pulse podcast with Marshall Allen –https://www.americaoutloud.news/how-to-take-charge-of-your-medical-bills/

According to the Congressional Research Service (CRS), health spending represents 18.3 percent of our gross domestic product (GDP). Americans whether individually, through insurance, or through the government spent $4.3 trillion ($4,255.1 billion) or $12,914 per person in 2021. Out of pocket spending was 10.2 percent or $433.2 billion. Out of pocket expenses are coinsurance, deductibles, and services not covered by insurance but does not include insurance premiums.

As health expenditures grow year after year, politicians relish using costs and access as a campaign issue but only in the last few years have pushed for price transparency – that’s the buzzword of the day. Only in health care do we routinely make use of a product or service without knowing the cost beforehand. According to one study, employees who used a price transparency tool paid between 10 percent and 17 percent less than employees who did not have access to the service.

For the last few years, hospitals have been required to post online, in a consumer-friendly format, the rates they’ve negotiated with insurers for 300 common medical services. Unfortunately, these prices are written in billing jargon and hard to understand. Moreover, the prices differ within the same institution depending on whether the bill is paid by Medicare, private insurer or self-pay.

One thing we’ve learned so far with this data is that physician-owned hospitals both commercial negotiated prices and cash prices in physician-owned hospitals were about one-third lower than their competitors across eight common services and have higher quality care.

Recently, Congress has put forth a few transparency bills designed to let the consumer know the inner workings of their insurance contract. The Hidden Fee Disclosure Act (HR 4508) requires disclosure of the details of contracts of pharmacy benefit manager and third party administration services for group health plans contracts. The Health Data Access, Transparency, and Affordability Act or Healthcare DATA Act (HR 4527) would ensure that a group health plan’s fiduciaries may access de-identified information from providers, third party administrators, and pharmacy benefit mangers relating to health claims. The Transparency in Coverage Act (HR 4507) would  convert a 2019 rule into a law requiring health insurance plans to publicly share negotiated rates and cost-sharing estimates, and the number of claims that are denied, among other things.

But it could be that insurance is the root of cost evils. Even with the inappropriately named Affordable Care Act, the premiums have gotten higher every year. The average person in America pays $456 per month for marketplace health insurance.  According to the Kaiser Family Foundation (KFF), in 2021, the average cost of employee health insurance premiums for family coverage was $22,221. The average annual premium for a self-only plan was $7,739. Employers paid about 80 percent of those premiums.

Surveys published by the American Hospital Association in July 2023 looked at the effects of the practices of commercial insurers. The surveys found that some 80 percent of patients, nurses and physicians say insurer policies and practices are reducing access to medical care, driving up health care costs and increasing clinician burden and burnout.

So, what is the immediate answer for you to pay less for your medical care? My guest will discuss some tools for fighting a system that is not looking out for you.

Key websites to visit:

https://www.marshallallen.com

Newsletter – https://marshallallen.substack.com

Allen Health Academy (videos) https://www.allenhealthacademy.com

Medical Care Prices – https://www.fairhealthconsumer.org;
https://www.healthcarebluebook.com/explore-home/;
https://turquoise.health;
https://healthcostlabs.com.

Bio

Marshall Allen is a journalist who has spent more than fifteen years investigating the health care industry, exposing the insidious ways the system preys on vulnerable Americans: price gouging, sloppy billing, fraud, insurance denials, unnecessary treatment and more. He is also the founder of Allen Health Academy, which produces a curriculum of short on-demand videos to equip and empower employees to navigate the health care system. He is the author of “Never Pay the First Bill: And Other Ways to Fight the Health Care System and Win.” Mr. Allen’s work has been honored with several journalism awards, including the Harvard Kennedy School’s 2011 Goldsmith Prize for Investigative Reporting and coming in as a finalist for the Pulitzer Prize for local reporting. He also has a master’s degree in Theology. Before he was in journalism, Mr. Allen spent five years in full-time ministry, including three years in Nairobi, Kenya.

America Out Loud PULSE: Freedom, Not Government Control, Is Key to Receiving Good Medical Care

From my America Out Loud Pulse podcast with Dr. Elaina George – https://www.americaoutloud.com/freedom-not-government-control-is-key-to-good-medical-care/

Our medical care is too important to leave to the politicians. Over the years, doctors and patients have been squeezed out of the policymaking process. This has resulted in the powerful driving health policy toward government control of our medical care.

Germany’s Chancellor Otto von Bismarck created the model for socialized medicine in 1883. In the face of the rising Socialist Movement, he granted the nascent socialists free medical care to mollify them. One of the first acts of the Lenin’s new Bolshevik government was to institute national health insurance. It was clear: national health insurance gave control over the population and, importantly, over physicians. Doctors are a calculated target – they tend to be free thinkers and they must be reined in.

The 1930s Great Depression gave a window of opportunity for President Franklin Roosevelt to rally Americans to support government intervention on a massive scale. Thirty-seven new government agencies and reams of regulations were born. The creation of the Old Age, Survivors and Disability Insurance, better known as Social Security was the mother of government-sponsored medicine. Roosevelt wanted national health insurance as part of his Social Security legislation but political opposition led him to drop the idea in order to get the legislation passed. On Aug. 14, 1935, the 29-page Social Security Act became law and the role of the federal government was changed forever. The Social Security Act (which includes Medicare and Medicaid) is now over 3,400 pages.

Starting in World War II, the government became more and more involved in managing our medical care. It started in 1965 with Medicare and Medicaid. Through the years more regulations, prior authorizations, and patient databases became commonplace. The stake into the heart of physician autonomy and our medical privacy was slipped into the Stimulus Bill in 2009 (The Health Information Technology for Economic and Clinical Health Care (HITECH) of 2009). In order to get full payment for physician services we had to use of electronic medical records linked to the government Office of the National Coordinator for Health Information Technology.

My guest and I will discuss what we can do to decrease costs and increase access to care while maintaining the principles of good, individualized medicine.

To find an independent physician go to the Association of American Physicians and Surgeons website, https://aapsonline.org/direct-payment-cash-friendly-practices/ and Join the Wedge (of Freedom) – https://jointhewedge.com.

To find Direct Primary Care practices: https://www.dpcfrontier.com

Bio

Dr Elaina George is a Board Certified Otolaryngologist (Ear, Nose, and Throat physician). She graduated from Princeton University with a degree in Biology and received her Master’s degree in Medical Microbiology from Long Island University. She earned her medical degree from Mount Sinai School of Medicine in New York. Dr George completed her residency at Manhattan, Eye Ear & Throat Hospital. She is the author of Big Medicine: The Cost of Corporate Control and How Doctors and Patients Working Together Can Rebuild a Better System, a book which explores how the U.S. healthcare system has evolved and explains how patients and doctors can create a healthcare system that is based on the principles of price transparency with the power of the doctor patient relationship. She currently also has a radio show, Living in the Solution.

America Out Loud PULSE: The Superhighway of Medical Progress or the Road to Nowhere?

From my America Out Loud Pulse podcast with Dr. Jane Orient –https://www.americaoutloud.com/the-superhighway-of-medical-progress-or-the-road-to-nowhere/

I used to enjoy watching medicine changing over the years. When I was an intern, we had to drill holes in the skull to diagnose a subdural hematoma. Now a quick CT scan without surgery gives a world of information. Ultrasound for pregnancy was a new thing. Surgery with the laparoscope (“belly button surgery”) was in its infancy. Now you are hard pressed to see a gallbladder removal done with a full abdominal incision.

I remember the days when humanity in medicine prevailed. You could get around the utilization reviewer’s bright green checkmarks that let you know that it was her opinion that the patient needed to be discharged from the hospital. We could exercise our empathy; the bean counters didn’t control us. I fondly remember letting an elderly patient stay a few extra days through Christmas because his only friend was also in the hospital.

The social changes in medicine are a far different story. It was a true step forward when all medical schools accepted not only women but students of all races. We saw all sorts of patients from many socioeconomic backgrounds, including patients on the prison and wards. We treated all of them to the best of our ability.

Now with schools latching on to this new twisted version of diversity and equality, I worry what happened to people merely treating one another like fellow human beings. What is motivating the rich and powerful to decide that we should be categorized in perpetuity by race instead of our individual characteristics? Divide and conquer comes to mind.

And what happened to the concept of not harming patients? What caused medicine to ignore science and like trained seals, agree that men can be women?

What caused educate persons to fall in line with grammatically incorrect and sometimes bizarre pronouns? Take for example, Dr. Jane Orient’s biography at Healthline.com: “Dr. Jane Orient, MD is an Internal Medicine Specialist in Tucson, AZ. “They” [emphasis added] specialize in Internal Medicine, has 47 years of experience, and is board certified in Internal Medicine.” I seriously doubt that wording was approved by Dr. Orient. Not only is she a she, ‘they’ is grammatically incorrect.

Bio

Dr. Jane Orient is the Executive Director of Association of American Physicians and Surgeons, a voice for patients’ and physicians’ independence since 1943. She has been in solo practice of general internal medicine since 1981 and is a clinical lecturer in medicine at the University of Arizona College of Medicine. Dr. Orient received her undergraduate degrees in chemistry and mathematics from the University of Arizona, and her M.D. from Columbia University College of Physicians and Surgeons. Dr. Orient’s op-eds have been published in hundreds of local and national newspapers, magazines, internet, followed on major blogs and covered in the Wall Street Journal and New York Times as well as several novels and non-fiction books, including Sapira’s Art and Science of Bedside Diagnosis in its fourth printing.

 Association of American Physicians and Surgeons site: https://aapsonline.org/

Dr. Orient’s nonfiction and fiction writings: https://www.janemorient.com

America Out Loud PULSE: Six Lessons in Healthcare Mythology

From my America Out Loud Pulse podcast with Robert Graboyes, PhD – https://www.americaoutloud.com/six-lessons-in-healthcare-mythology/

The cost of medical care is a big topic in healthcare policy discussions – whether in Congress or in think tanks. Over the last few years costs for medical care have continued to rise. Until 2021 with the out-of-control inflation medical care prices have generally grown faster than overall consumer prices.  From 2000 to 2022, the price of medical care, including services, insurance, drugs, and medical equipment, has increased by 115.1 percent, whereas prices for all consumer goods and services increased by 78.2 percent.

Hospitals “facility fees” are of particular concern. Facility fees are generally the price for using the hospital premises – the overhead charge in addition to professional charges. Some hospitals are charging such fees for telemedicine. Additionally, one large private insurance data analysis showed that the facility fees for emergency department use from 2004 to 2021 increased four times faster (531%) than professional fees (132%) for emergency department evaluation and management services. And until 2021 with the out-of-control inflation medical care prices have generally grown faster than overall consumer prices.

Healthcare policy isn’t just about saving money. Otherwise, we would simply ration care. Real human beings underlie the reason we provide medical care in the first place. Accordingly, we have to look at limitations on access for certain groups, the impact of cost-cutting on quality, the ethics of rationing, and many other factors affecting the individual patient.

My guest taught the economics and ethics of healthcare for 20 years and his overriding theme throughout those years was, “Always be skeptical.” He notes that “healthcare policy debates tend to be drenched through-and-through with myths, opinions, and politics—all masquerading about as scientific facts.”

Suggested Reading

6 Lessons in Healthcare Mythology(Robert Graboyes)

Exaggerations, Half-truths, Non Sequiturs, and Falsehoods in Policymaking

“Defying Gravity” (Robert Graboyes)

“Fortress and Frontier in American Healthcare” (Robert Graboyes)

How Is an Emergency Room Like a Monkey Wrench?” (Robert Graboyes & David Goldhill). Conventional wisdom says that the emergency room is the most expensive place to get care. David and I argue that you can argue just as plausibly that it’s the cheapest place to get care.

Experts with Statistics: Chimps with Machine Guns (Robert Graboyes). Experts armed with statistics can be dangerous as hell. This article provides some examples to keep in mind. A couple of the examples ought to terrify you.

America Out Loud PULSE: A Pediatrician Talks PBMs, Politics, and Porn

From my America Out Lous Pulse podcast with Dr. Marion Mass –https://www.americaoutloud.com/a-pediatrician-talks-pbms-politics-porn/

There are a lot of pieces to the health care system pie. The insertion of third parties into the patient-physician relationship is at the core of many of such problems. Corruption and fraud are the last things we need.  Accordingly, in 1972 Congress passed a law that that outlawed kickbacks for referrals for medical care and other contracts in the medical field. This was to be sure that referrals of patients to other medical care professionals were in the best interest of the patients. So far, so good.

But 25 years ago, the government made exceptions to this Anti-kickback law. This allowed some middlemen to do some fancy footwork when negotiating prices. In the world of prescription drugs, pharmacy benefits managers (PBMs) are the middlemen. Their price negotiation was supposed to save patients money. Now the system of pharmacy benefit managers has morphed into a big money-making scheme and patients are left holding the bag – or in most cases higher costs.

Congress has been talking about doing something about PBMs for years but the talk does not translate into action. Maria Cantwell and Charles Grassley introduced the Pharmacy Benefit Manager Transparency Act of 2023. This was also introduced in 2022. It seems to me the dithering around with the PBM legislation is an example of politics overriding actually doing something for the constituents. Perhaps the latest Senate hearings will yield some fruit.

There’s another even more important place where third parties inserting themselves into our family lives are being spurred on by the government—sometimes by statute. I’m talking about no parental notification for life-changing medical procedures, drag queen shows for children, distorted history lessons and teaching our children how different they are from one another rather than how much we have in common.

Remember this: the family is your first government. We have to get to a place where we can discuss these issues with respect for one another with the goal of putting parents back in charge of their children.

America Out Loud PULSE: US Gov’t Impact on Policy, Consolidation & Challenges in Healthcare

From my America Out Loud podcast with Grace-Marie Turner –https://www.americaoutloud.com/us-govt-impact-on-policy-consolidation-challenges-in-healthcare/

All the noise about culture wars has taken up the airwaves. Meanwhile things that affect all of us in our day to day lives get little press. We’ve heard about high insulin prices and pharmaceutical companies semi-voluntarily reducing the prices. (Drugmakers faced a penalty from Medicaid if they raised the price higher than inflation).

Let’s face it, most of us do not take insulin, but nearly 70 percent of Americans take at least one prescription drug. Should we seriously assess whether Americans take too many drugs in the first place? Should the government cap prices? If the government regulates prices, will the drug companies still make enough money to continue aggressive research and development?

Another real issue is the shortage of healthcare workers at all levels. According to Senator Bernie Sanders’ data, the nation faces a shortfall of about 450,000 nurses and 120,000 doctors in the coming years, and 100,000 dentists now.

Believe it or not, the government is in control of the number of physicians.  Medicare funds expenses for residency slots but these have been capped for over 20 years. Typical of the large government bureaucracy, they didn’t notice that more primary care physicians would be needed as the population ages. These increased residency slots are particularly needed primary care, OB/Gyn, and in the rural areas ( where one out of four Medicare beneficiaries live).

Sadly, thanks in part to the Covid lockdowns and economic damage one in five adults have a mental health issue.  According to the CDC, suicides increased in 2021, reaching their highest level since 2018. And as our country’s substance abuse problem snowballs, we will need more psychiatry residents and other health professionals in addiction medicine. Recently, HHS finalized a rule that will add 1,000 new Medicare-funded GME positions (capped at 200 new positions per fiscal year) to be distributed beginning in FY 2023.

And then we have all this consolidation of most segments of the health care chain of commerce. Insurance companies are integrated into pharmacies. Large health systems and private equity firms are buying medical practices and hospitals. The government claims it will look into these mergers that have drastically decreased competition and therefore raised prices. One study showed that among 578 physician practices acquired by private equity firms between 2016 and 2020, prices increased by 11 percent.

But is more federal intervention the answer?

My guest and I will discuss what’s going on in Washington DC. on the health care front.

America Out Loud PULSE: Medical Care Is About Patients, Not Politics

From my America Out Loud Pulse podcast: Medical Care Is About Patients, Not Politics with Dr. Richard Amerling – https://www.americaoutloud.com/medical-care-is-about-patients-not-politics-w-dr-richard-amerling/

Several years ago the Association of American Physicians and Surgeons publish a Patient Bill of Rights. In this age of more government and corporate control of medical care, it’s time we remembered those rights.

“All patients should be guaranteed the following freedoms:

  • To seek consultation with the physician(s) of their choice;
  • To contract with their physician(s) on mutually agreeable terms;
  • To be treated confidentially, with access to their records limited to those involved in their care or designated by the patient;
  • To use their own resources to purchase the care of their choice;
  • To refuse medical treatment even if it is recommended by their physician(s);
  • To be informed about their medical condition, the risks and benefits of treatment and appropriate alternatives;
  • To refuse third-party interference in their medical care, and to be confident that their actions in seeking or declining medical care will not result in third-party-imposed penalties for patients or physicians;
  • To receive full disclosure of their insurance plan in plain language, including:
    • CONTRACTS: A copy of the contract between the physician and health care plan, and between the patient or employer and the plan
    • INCENTIVES: Whether participating physicians are offered financial incentives to reduce treatment or ration care;
    • COST: The full cost of the plan, including copayments, coinsurance, and deductibles;
    • COVERAGE: Benefits covered and excluded, including availability and location of 24-hour emergency care;
    • QUALIFICATIONS: A roster and qualifications of participating physicians;
    • APPROVAL PROCEDURES: Authorization procedures for services, whether doctors need approval of a committee or any other individual, and who decides what is medically necessary;
    • REFERRALS: Procedures for consulting a specialist, and who must authorize the referral;
    • APPEALS: Grievance procedures for claim or treatment denials;
    • GAG RULE: Whether physicians are subject to a gag rule, preventing criticism of the plan.”

America Out Loud PULSE: The Physician Shortage and Quality Care for All

From my America Out Loud Pulse podcast with Nicole Johnson, MD  – https://www.americaoutloud.com/the-physician-shortage-and-quality-care-for-all/

As Bain Capital put it, 2021 was a “banner year” for private equity’s healthcare acquisitions. In addition to hospitals and nursing homes, physician practices have become hot targets. Over the past 10 years, private equity firms have moved on from buying physician staffing companies for hospital based practices, such as emergency room physicians, anesthesiologists and radiologists. They are broadening their net to include dermatology, ophthalmology, urology, and orthopedics, women’s health, gastroenterology.

The private equity firm’s main focus is on efficiency, productivity, and short term profits, not patients.  Many physicians left independent practice to seek relief from the administrative aspects of private practice but found they became fungible, income-generating drones in a health care “system.” And patients are paying more and more out of pocket for their care with less choice and in some cases, lower quality.

A new study looking at 1,400 acquisitions from 2014 to 2019 found that compared to non-acquired dermatology, ophthalmology, and gastroenterology practices, the acquired practices not only replaced more physicians, but many were replaced with non-physician clinicians. For example Kaiser Health News reported that American Physician Partners, a medical staffing company owned by private equity investors. employs fewer doctors in its ERs as one of its cost-saving initiatives to increase earnings, according to a confidential company document obtained by KHN and NPR. The question arises whether this improves access or decreases quality or a little of both.

Among many reasons, commitment to science and helping patients heal is why we wanted to be physicians. Sadly, with this new landscape, physicians are becoming less satisfied with the practice of medicine. Nurses, nurse practitioners, physician assistants are all valuable parts of the health care team. But does this mean they have the requisite skills to practice without physician supervision and are the primary answer to physician shortages?

My guest today is a fierce advocate for patients and physicians. We’ll discuss solutions to the physician shortage and access to quality medical care for everyone.

America Out Loud PULSE: Getting Back to the Oath of Hippocrates Is the Way Forward

From my America Out Loud Pulse podcast with Dr. Elaina George – https://www.americaoutloud.com/getting-back-to-the-oath-of-hippocrates-is-the-way-forward/

Written in about 400 B.C., the Oath of Hippocrates embodies the guiding ethical principles of the practice of medicine. The Oath focuses on individual physicians treating their individual patients. All of our actions must be for the benefit of the patient; we must keep all of their information—“holy secrets” as the Oath states—confidential. Our duties attach whether the patients were “free or slaves.” If we actually paid attention to these principles, we would not need Big Brother’s rules.

The bloated bureaucracy is only getting worse with electronic records, prior authorizations before treatments, and various other payment barriers. There are now 10 administrators to each physician. Physicians and patients alike feel like they are helpless pawns on the corporate chessboard. Perhaps the Affordable Care Act meant well, but in my view, it was another tool to impose more government controls on us. The overall costs are higher and patients find themselves with less choice of physicians.

Is more technology the answer? An unbelievable, but—thanks to cell phone video—verifiably true news report detailed how a robot rolled into a patient’s Intensive Care Unit cubicle and a physician’s talking head appeared on the robot’s “face” and told the patient the sad news that he had a terminal illness. While remote medicine is reasonable in rural areas where access to medical care is limited, telling a patient he is going to die from a TV screen is a crime against all medical ethical principles.

Telemedicine certainly has its place but not only does it decrease the patient-physician face to face contact, but according to a study of 76 million claims, it might not even save money. To be fair, telemedicine is convenient and improve accessibility. However, the convenience could lead to overuse of services.

Is single payer health care the panacea that its proponents claim? According to Sky News, under the National Health Service, there are 7.2 million British citizens awaiting medical care, or almost 11% of the entire British population. It’s estimated that between 300 and 500 people are dying each week because of delays and related problems in the delivery of emergency medical care. More bureaucracy causes delays in care.

So many of us are burned out on politics at this point. We witness so much corruption and two-tiered justice for the “chosen ones”. Nonetheless, we have to work together to change things.

My guest and I will discuss all things medical care and what we can do to improve costs sand access to care while maintaining the principles of good medicine.

To find an independent physician go to the Association of American Physicians and Surgeons website, https://aapsonline.org/direct-payment-cash-friendly-practices/.