Risk Managers

March 10, 2010

What is Driving Health Care Costs?

Filed under: Uncategorized — admin @ 12:23 pm

A. Insurance Companies

B. Sick People

C. Hospitals and Doctors

According to a recent article in the March 1, 2010 Business Insuance, “Clout of Health Care Providers Drives Costs”, the answer is “C”.

“The report, to be published in the April edition of policy and research journal Health Affairs, traces how consolidation of hospital’s and formation of independent physician practice associations in California during the past decade have strenghtened provider’s bargaining power with health plans, leading to higher premiums in that state.”

National Hospital Chain Threatens South Texas Employer

Filed under: Uncategorized — admin @ 11:36 am

Molly Mulebriar, our in-house investigative reporterette, received a telephone call yesterday from one of her trusted sources who informs that a national hospital chain, upon learning that a large private employer in South Texas was transitioning their traditional group medical employee welfare program from a PPO plan to a cost-plus hospital reimbursment plan, threatened to shut the door on employees seeking future medical treatment at their facilities. The caller (from the hospital’s corporate headquarters) told the employer that the call was simply a “courtesy call” to let the employer know in advance.

If  true, the public should be outraged.

Molly Mulebriar has attempted to contact the local chapter of the Mafia to confirm this story. Bruno, the receptionist who took her call, promised to get back to her expeditiously.

Editor’s Note: Hospitals, PPO’s and certain insurance companies are worried about the growth of cost-plus hospital reimbursement plans in Texas. The concept is catching on fast amongst cash strapped employers.

March 6, 2010

Thank You Chicago Visitors!

Filed under: Uncategorized — admin @ 11:48 am

We wish to thank the many visitors from Chicago who have been regular visitors of  www.riskmanagers.us in the past 30 days.

Do Insurance Companies Bribe Insurance Agents?

Filed under: Uncategorized — admin @ 11:40 am

In an earlier posting, “Why Insurance Agents Fear Insurance Companies”, the point was made that there appears to be an inherent conflict of interest on the part of insurance agents representing carriers on behalf of their clients who pay them.

Agents and brokers who represent insurance companies have Producer Contracts which outlines each party’s duties and responsiblities. Common to all of these contracts is the carrier’s right to terminate the contract with as little as a two week notice, without cause.

As a result, a carrier can arbitrarily terminate a contract without cause at any time. The independent agent who places business with them over time, immediately loses commission dollars upon termination, in most cases. In truth, the client who is paying the insurance premium is in fact paying the agent, albeit indirectly. Yet, it is the insurance company who has “Veto Power” over the client as to whether the client’s insurance agent (representative) gets paid. So, who does the agent really work for, the insurance company  who controls his paycheck or the client who is paying the bill?

Insurance agents attempt to protect themselves by convincing the carriers that they have “control” of their accounts. “If you terminate my contract, I will move my client to ABC Insurance Company” is an unspoken threat employed with some success.

A wise insurance agent should work on a fee basis to be paid directly by his client, rather than rely on the whims and wishes of the insurance company and their employees. But, there is a big problem with doing that in the eyes of may insurance agents and brokers; to do so would expose the compensation paid to the agent, something that could end up as being an embarrasing thing to explain, and maybe even hard to justify in the eyes of the employer paying health insurance premiums that may be costing him up to 15% of his total payroll.

Some insurance companies have developed control of insurance agents to an art form. They know how to cement “loyalty” by controlling a well constructed honey-pot with various forms of revenue streams strategically placed within insurance contracts with third party vendors.

But, these strategies may now be in jeopardy.

With the new ERISA disclosure requirements for 2009 reporting purposes, carriers are scrambling to comply. Some are issuing memorandums to their agents and their clients announcing the new reporting requirements and their intent to provide direct and indirect compensation figures as required. Some are not, as yet.

Money influences behaviour. A bribe is a form of influencing behaviour. Are insurance companies guilty of influencing insurance agent and broker behaviour? 

Editor’s Note: We know of many instances wherein insurance companies have terminated agent contracts without cause and then assign a “friendlier” agent to handle the account. We have had one insurance company representative brag that he was in the process of terminating John Doe’s contract because “he doesnt give us a fair shot at new business.” And, it is the big brokerage houses that have the most to lose in upsetting insurance companies; they have enormous bonus and profit sharing arrangements which they fear would go away at any time if the carrier so desired.

March 5, 2010

Hussein Rallies the Troops – Vast Email Blast Sent

Filed under: Uncategorized — admin @ 10:54 am

From: President Barack Obama <info@barackobama.com>
Subject: A final vote on health reform
To:
Date: Wednesday, March 3, 2010, 2:21 PM

Biff –Last Thursday’s first-of-its-kind summit capped off a debate that has lasted nearly a year. Every idea has now been put on the table. Every argument has been made. Both parties agree that the status quo is unacceptable and gets more dire each day. Today, I want to state as clearly and forcefully as I know how: Now is the time to make a decision about the future of health care in America.

The final proposal I’ve put forward draws on the best ideas from all sides, including several put forward by Republicans at last week’s summit. It will put Americans in charge of their own health care, ensuring that neither government nor insurance company bureaucrats can ration, deny, or put out of financial reach the care our families need and deserve.

I strongly believe that Congress now owes the American people a final vote on health care reform. Reform has already passed the House with bipartisan support and the Senate with a super-majority of sixty votes. Now it deserves the same kind of up-or-down vote that has been routinely used and has passed such landmark measures as welfare reform and both Bush tax cuts.

Earlier today, I asked leaders in both houses of Congress to finish their work and schedule a vote in the next few weeks. From now until then, I will do everything in my power to make the case for reform. And now, I’m asking you, the members of the Organizing for America community, to raise your voice and do the same.

The final march for reform has begun, and your participation is crucial. Please commit to join with me to take reform across the finish line.

Essentially, my proposal would change three things about the current health care system:

First, it would protect all Americans from the worst practices of insurance companies. Never again will the mother with breast cancer have her coverage revoked, see her premiums arbitrarily raised, or be forced to live in fear that a pre-existing condition will bar her from future coverage.

Second, my proposal would give individuals and small businesses the same choice of private health insurance that members of Congress get for themselves. And my proposal says that if you still can’t afford the insurance in this new marketplace, we will offer you tax credits based on your income — tax credits that add up to the largest middle class tax cut for health care in history.

Finally, my proposal would bring down the cost of health care for everyone — families, businesses, and the federal government — and bring down our deficit by as much as $1 trillion over the next two decades. These savings mean businesses small and large will finally be freed up to create jobs and increase wages. With costs currently skyrocketing, reform is vital to remaining economically strong in the years and decades to come.

In the few crucial weeks ahead, you can help make sure this proposal becomes law.

Please sign up to join the Organizing for America campaign in the final march for reform:

http://my.barackobama.com/commit

When I talked about change on the campaign, this is what I was talking about: coming together to solve a huge problem that has been troubling America for 100 years and standing up to the special interests to deliver a brighter, smarter future for generations to come.

I look forward to signing this historic reform into law. And when I do, it will be because your organizing played an essential role in making change possible.

Thank you,

President Barack Obama

Editor’s Note:  Put this picture in the Oval Office

SBA Email Alert

Filed under: Uncategorized — admin @ 10:46 am

SPBA Email Alert: – March 3, 2010

Health Reform Insights & Talking Points
Personal observations from SPBA President Fred Hunt

You are probably multi-tasking right now; reading this and listening to the President at the same time.  This is a reality check and to put into context what you are hearing.  All the pieces in the earlier e-mails still apply. This just describes some new twists that are taking place and the timetable.

Whether the President will actually say it or not, the Democrats now have a time schedule to pass health reform.  So, I’ll give you the dates and the reality-check factors of each.

By March 19th:  Target for House to vote to pass the mega Senate bill and send it  directly to the President, and it gets signed into law in 24 hours.

Reality check:   Many House Democrats strongly dislike portions of the Senate bill, so this is a giant leap of faith to go on record voting for things you hate, and especially since some divisive provisions, such as abortion & immigration almost certainly can not be rationalized as “budgetary” and thus put into a Reconciliation bill (though VP Biden, as President of the Senate, is ultimate  decision power of what can be in the Reconciliation bill).

So, Speaker Pelosi has said that the House won’t go out on this limb unless they have a letter signed by at least 50 Senators committing to pass a mutually-agreeable “tweaks”…meaning the same Reconciliation as the House passes + perhaps  another bill for changes that can’t be done via Reconciliation, although Pelosi has quietly indicated that abortion & immigration (issues with strong opinions in both chambers) might be dropped.  It is hard to imagine 50 Democrat Senators blindly saying they’ll vote for something not yet drafted.

By March 21st:  The House drafts a reconciliation bill to “clean up” (change things they don’t like) in the just-passed Senate version.  The wording of the Reconciliation is a delicate mine field. The changes the House would want are significant (such as public option), but what the Senate is apt to accept is minimal.  So, we are right back where we were last August as far as unsolvable disagreements.

Legislative Counsel says that the President’s health reform proposal (fleshed-out version of the outline at the Summit ) can not be introduced until the Senate mega version is passed by the House, so the Obama version is planned to be in the Reconciliation bill.

By March 23rd:  The Senate begins debate on the (House-drafted) Reconciliation bill.  Debate is limited to 30 hours, but unlimited amendments may be proposed, so this stage could drag out for weeks.

March 26th (the start of the Congressional Spring Recess) is the target to vote on Reconciliation.  The Democratic leaders’ goal is to get something voted (so Congressmen can’t later back down) before Congressmen go home and face voters during the Spring recess.

This is based on LOTS of wishful thinking, such as:

(1).  Will both liberal & conservative House Democrats who have strong problems with the mega Senate bill (but would demand opposing changes) be willing to make a flying leap of faith to, in effect, vote the mega Senate-passed health reform directly into law??  If Reconciliation or other attempts to make changes later stall, the House members would feel like chumps.   House members are already nervous sticking their necks out and making votes first on this explosive issue in an election year, leading into a home recess with voters, and knowing that the slower Senate process can drag out for weeks or months.

(2).  Will 50 Senators sign a document blindly promising to pass whatever Reconciliation bill the House comes up with?  That’s highly doubtful, even if this was not full of issues divisive among Democrats.

(3).  Will House & Senate be able to agree on word-for-word twin Reconciliation bills?

(4).  Will having the Obama version inserted into the process (and bitterness from many Democrats that Obama seems ready to accept 4 suggestions from Republicans while dumping key items of Democrats, such as public option and cost controls) smooth or muddy the Reconciliation and general legislative process on this?

(5).  Since the House & Senate barely had enough votes to pass their versions of the mega bills, is there any sign that some Democrats who voted “no” last time might be willing to now vote “yes” for the strategy described above?  The answer is yes.  For example, in the House, the following 9 Democrats who voted no before are rumored to be reconsidering and may vote “yes”.  So, Pelosi’s challenge to get enough votes to pull this off is much closer now than a couple of weeks ago.  Baird-WA + Boucher-VA + Gordon-TN + Kosmas-FL + Kravotil-MD + McMahon-NY + Murphy-NY + Tanner-TN

Other tidbits of news:

>>When advisors to a President start protecting their own reputations at the expense of the President (so as not to look like a loser) it is an indication that the bloom is off the rose of the Presidency and people who want to protect their reputations as political wizards want to distance themselves from what they think may be going down the tubes.  A series of articles praising Rahm Emmanual and leaving an unflattering view of Obama and his White House team is being interpreted as a giant sign.  Also, Tom Daschle, who was one of the key architects of the Obama health reform effort, is now bemoaning that it lacks cost controls.

>>Some ardent supporters of health reform, such as Health Care for American Now (HCAN) are shifting to guerilla warfare against AHIP, insurance companies, and even individual insurance execs.  The goal is to create the political correctness view that AHIP and its members are evil and “illegitimate”.  So, HCAN will try to disrupt the AHIP convention, picket insurance companies and even the homes of some insurance executives.

>>Bill Clinton’s stents recently got great praise from the press as a wonderful quick procedure when the former President had a heart scare.  However, whether stents are cost-effective is strongly debated.  If a health reform effectiveness panel were created to determine what would and would not be covered, stents (and/or other current popular procedures) might well end up dropped.  So, this is an interesting case example.  We know this worked for Mr. Clinton, but what if, next time, stents are not an approved option?

>>Democrats love to talk about Republicans in health care.  The story lines are that Republicans are the big obstacle to everything.  President Obama announces today that he is “exploring” 4 Republican ideas into his proposal (HSAs + medical malpractice + Medicare fraud & waste + addressing disparities among states in payments to providers by Medicaid).

However, as readers of these e-mails know, month after month the fierce battles are Democrat versus Democrat.  I just mention this as a reality check that when all sides are trying to hype their version of history, remember the truth.  It was not evil Republicans masterminding defeat for this health reform.  It was deep (and usually sincere) divisions within the Democrats.

Fred

What Exactly is “Eligible Indirect Compensation?”

Filed under: Uncategorized — admin @ 10:30 am
In the Know - Blue Cross and Blue Shield of Illinois

 

March 3, 2010

Note: This article was originally published in the Feb. 17 special edition of In the Know.
BCBSIL Sending NEW Reports Regarding ERISA Form 5500 Filings [Group Markets]
(The information below relates only to customers who are required to file an ERISA Form 5500. Please inform your clients this week about the pending mailing. You can disregard if none of your customers are required to file an ERISA Form 5500.)

As you’re aware, Blue Cross and Blue Shield of Illinois (BCBSIL) has communicated to all of our group customers that beginning with the 2009 Plan Year, the Department of Labor, the Department of the Treasury, and the Pension Benefit Guaranty Corporation have published new requirements pertaining to the ERISA Form 5500 report.

To assist your customers in complying with the new regulatory requirements regarding the types of reportable “indirect monetary and non-monetary compensation,” BCBSIL will send two new reports to customers who are subject to the ERISA Form 5500 filing requirements. Customers should start receiving these reports in the mail within the next several weeks. These new reports are in addition to the original ERISA Form 5500 Information Report that has been sent annually and will be mailed separately. The content and the timing of the original ERISA Form 5500 Information Report have not changed.

Prior to the mailing of the two new reports, a letter will be sent to customers providing them with additional information about the content provided in the new reports.

Following are details about the new reports, which will be mailed together:

ERISA Form 5500 Supplemental Information Report

The 2009 Supplemental Information Report will contain an estimate of non-monetary compensation in the form of meals, entertainment, gifts and meetings provided by Health Care Service Corporation (HCSC), a Mutual Legal Reserve Company, including Dental Network of America, Inc. to customers and producers in relation to the customer’s business.  

This report will be automatically sent to Prospective Premium group customers with more than 100 enrolled employees, all Retrospective, Minimum Premium, Cost-Plus and ASO group customers, as well as any other group customer that received an annual ERISA Form 5500 Information Report last year. Excluded from the mailing will be any group customers who have previously communicated that they are ERISA exempt.

The amount of non-monetary indirect compensation included in the Supplemental Information Report will be an estimated amount. It will not be the exact amount spent on each customer or on each producer relative to each customer. The actual amount spent per customer or per producer may be greater or lesser than the estimated amount shown in the report. Expenses may be allocated to a customer or to a producer even if none was actually received. In some cases the actual amount may be zero.

The estimated non-monetary compensation will be calculated by first aggregating the non-monetary expenses associated with customers and producers by block of business (Small Group, Large Group, Labor, etc.). The block of business totals will be divided by the number of enrolled lives in the block. The resulting amount will be the Average Expense per Enrolled Life for the block. Each customer will be associated with one of the blocks of business. The customer’s estimated amount will be calculated by multiplying the customer’s enrolled lives by the Average Expense per Enrolled Life for the block of business in which the customer is classified. Customers with fewer enrolled employees will receive smaller non-monetary expense totals and customers with more enrolled employees will receive larger non-monetary expense totals. The detailed description of the calculation will be listed in the footnote to the Supplemental Information Report. An estimation methodology is allowed for reporting purposes per the Department of Labor guidance on the revised legislation. (Note: Expenses with a unit value of less than $10 were excluded from this report.)

The indirect non-monetary compensation provided by HCSC for miscellaneous gifts, meals, entertainment and meetings will be reported to the customer as a single line item per recipient (customer and producer(s), if applicable). There will be no itemized expenses and no change to the calculation of the previously reported Special Commissions.

2009 ERISA Disclosure Information Report

The 2009 ERISA Disclosure Information Report will be sent to ERISA Group Customers that have purchased Minimum Premium, Cost-Plus funded plans, or self-insured (ASO) services. This information will also be available, upon request, for customers with other funding arrangements. The 2009 ERISA Disclosure Information Report will be included in the same mailing as the 2009 Supplemental Information Report.

The 2009 ERISA Disclosure Information Report contains information about Health Care Service Corporation, our corporate structure and the companies it uses to assist in delivering services to our group customers. In the past, much of this information was provided to these customers through a variety of channels, including marketing materials, Web sites, RFPs, contracts, reports, and other communications.

Included in the 2009 Disclosure Information Report is also detailed information that we believe meets the requirements for Eligible Indirect Compensation (EIC) under the new ERISA regulations. We are providing this information to these customers because a plan administrator’s reporting requirements on Schedule C to the Form 5500 Report are streamlined if the requirements for disclosure of EIC are met. Please note that the amounts that are included as disclosures in the 2009 Disclosure Information Report will NOT be included in the annual Form 5500 Information Report. The content and the timing of the original Form 5500 Information Report have not changed.

HCSC is required to provide certain information to our customer groups and they may receive more information than they actually need, depending on their specific Form 5500 reporting requirements. Your customers should consult their own advisors and legal counsel to determine how the new reporting requirements may apply to their organization.

If your customers are required to file an ERISA Form 5500 and have not received the new reports by the end of March, or they need more information, please contact your BCBSIL account representative.

See FAQs for more detailed information.

Review sample employer letter with Form 5500 Supplemental Information.

Review sample employer letter with Form 5500 Supplemental Information and 2009 ERISA Disclosure Information Report.

A Division of Health Care Service Corporation, a Mutual Legal Reserve Company,
an Independent Licensee of the Blue Cross and Blue Shield Association.

Editor’s Note: BCBS of Illinois has sent out this Second Notice to their producers. Why? Are producers concerned about new compensation disclosure rules? Are employers concerned too? Could this be a case of sending out a Memorandum intended to inform but turns out to be a Memorandum that brings to mind more questions than answers?

March 1, 2010

Will This Man Make or Break ObamaCare?

Filed under: Uncategorized — admin @ 2:42 pm

This man is rumored to be the Wild Card in passage of ObamaCare – Can you imagine the power he welds now? He may make the Louisiana Purchase appear to be peanuts compared to what he can get for his back water state.

 What do I know, Im only a dog

Back To The ObamaCare Future – Wall Street Journal 1 March 2010

Filed under: Uncategorized — admin @ 2:37 pm
 
Natural experiments are rare in politics, but few are as instructive as the prototype for ObamaCare that Massachusetts set inmotion in 2006. The bills for “universal coverage” are now coming due, and it appears the state political class is prepared to

do lasting damage to one of America’s top-flight health-care systems.

Last month, Democratic Governor Deval Patrick landed a neutron bomb, proposing hard price controls across almost all

Massachusetts health care. State regulators already have the power to cap insurance premiums, which Mr. Patrick is

activating. He also filed a bill that would give state regulators the power to review the rates of hospitals, physician groups and

some specialty providers. Those that are deemed too high “shall be presumptively disapproved.”

Mr. Patrick ad-libbed that he had “a whole bunch of pals here who are in the health-care field, and I saw the color drain out

of their faces.” Little wonder. The administered prices of Medicare and Medicaid already shift costs to private patients while

below-cost reimbursement creates balance-sheet havoc among providers. Now the governor wants to import these

distortions to save the state’s heavily subsidized insurance program as costs explode.

It doesn’t even count as an irony that former Governor Mitt Romney (like President Obama) sold this plan as a way to

control spending. As with all new entitlements, the rolling cost crisis began almost immediately. For fiscal 2010 taxpayer

costs are $47 million over budget, in part due to the recession, and while the $913 million Mr. Patrick requested for 2011 is a

5% increase over 2010, spending has grown on average 6.7% per year.

Meanwhile, average Massachusetts insurance premiums are now the highest in the nation. Since 2006, they’ve climbed at an

annual rate of 30% in the individual market. Small business costs have increased by 5.8%. Per capita health spending in

Massachusetts is now 27% higher than the national average, and 15% higher even after adjusting for local wages and

academic research grants. The growth rate is faster too.

Those data come from granular studies about the Massachusetts health markets published recently by the state. Not that

anyone on Beacon Hill seems to have to read them, judging by their policy proposals. Besides Mr. Patrick’s latest inspiration,

last year a blue-ribbon commission endorsed a “global budget”—i.e., an arbitrary government limit on medical spending,

with politics shaping what gets covered and what doesn’t.

As in Washington, the political class and providers blame insurers, but a better culprit is the state’s insurance regulation.

Incredibly, the average “medical loss ratio” in Massachusetts for individual policies is 112%—that is, insurers pay $1.12 in

benefits for every $1 in premiums.

This is the direct result of forcing insurers to charge everyone more or less the same rate regardless of age or health status,

which makes it rational for people to wait to enroll until they need expensive coverage. It is also the result of the state’s

decision to merge the individual and small-group insurance markets, which transfers individual costs onto small businesses.

Mr. Patrick actually justified his plan by citing small-business costs.

3/1/2010

Another reason costs are so high is that state regulations have mandated that insurance coverage be far richer than the rest

of the country. The average insurance deductible is 28% lower than the U.S. average, and the benefits are more generous

with less cost-sharing. Patients are thus insensitive to the cost of care.

The insurance industry points the finger back at providers, given that over the entire Massachusetts market they usually

spend 88 cents of every premium dollar on claims. But the Bay State medical system isn’t wasteful by any of the fashionable

measures. The Dartmouth Atlas that measures regional variation in the supposed “overuse” of care ranks the state near the

U.S. middle.

Though some large hospital systems, especially in Boston, have the market power to drive prices higher, the state’s own

reports mainly show that the dominant reason health costs are rising is medical progress and technological innovation.

Massachusetts health care, with its abundance of academic medical centers and high-quality specialists, is the envy of the

world.

This is the true target of Mr. Patrick’s price controls: The goal is to engineer a cheaper system through brute force so

government can pay for health care for all. What inevitably suffers is the quality of care for individual patients. Thirty states

imposed hospital rate setting in the 1970s and 1980s. Except for Maryland, every one of them eventually eliminated it—

including Massachusetts, in 1991—partly because it didn’t control costs.

And partly because it killed people. A 1988 study in the Journal of New England Medicine found that the states with the most

stringent rate-setting had mortality rates 6% to 10% higher than those that didn’t.

All of this is merely a preview of what the entire country will face if Democrats succeed with their plan to pound ObamaCare

into law in anything like its current form. Massachusetts is teaching the country a valuable lesson in how not to reform

health care, if only anyone would pay attention.

Copyright 2009 Dow Jones & Company, Inc. All Rights Reserved

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3/1/

 

February 28, 2010

Have a Good Week My Fellow Americans!

Filed under: Uncategorized — admin @ 2:36 pm

Pelosi predicts passage of ObamaCare within the next 60 days – urges Dems. to pass bill irregardless of public opinion polls – “We know what is better for Americans than Americans do” is her compelling theme. 

Editor’s Note:   The socialists in Washington are not listening. They dont care about you or what you think.

 
Newsmax
Dear Newsmax Reader:Please find below a special message from our sponsoring advertiser, Ameripac. They have some important information to share with you. Thank you.Newsmax.com
ObamaCare Summit Fails The Smell Test

ALERT: If it looks like crap and smells like crap well then it’s just a big pile of crap. Democrats continued to pile it on refusing to discuss real healthcare issues.

Obama’s NEW Government Takeover Scheme Creates Socialized Health Care
Select Here to STOP Socialized ObamaCare:
SEND YOUR FAXES NOW!

Obama cut off discussion continually and said “move on” to stop the GOP from discussing anything that would make a real difference in healthcare reform.

Obama ignored the American public and Republicans as Reid threatened to implement ObamaCare using budget “reconciliation” with no final House or Senate Vote saying we have done this before and we can do it again.

Thousands joined us for ObamaCare Summit Online Tea Party at ObamaCareSummitLiveTeaParty.com. The “SUMMIT” was not carried by most stations and even CPAN snubbed it putting it on CPAN-3. Who watches CPAN-3 anyway?

Americans watching overwhelmingly said they were disappointed in the arrogance of Obama and his lack of respect for differing proposals pushing for costly comprehensive reform instead of discussing incremental steps to curb costs. Most of the comments on our twitter link at #AmeripacHCR said that the bill should be scraped and Congress should start over.

Ameripac broadcast the entire proceeding online and participants saw that Obama offered nothing new in a scheme that defrauds America. A snide Obama dominated and lectured, defending his plan that repackages the same approach already taken by the U.S. Senate. Americans have already rejected the scheme he did not want to discuss at all in the Latest Rasmussen Poll – as 56% Oppose ObamaCare!!!!

Obama’s NEW Government Takeover Scheme Creates Socialized Health Care
Select Here to STOP Socialized ObamaCare:
SEND YOUR FAXES NOW!

What will we get from this Summit?

Obama likes to do summits spending hours talking with cameras rolling. In January, Obama hosted 50 CEOS to talk about streamlining government operations and improve efficiency. We got a bigger government, with more employees and a record deficit.

In December, an Obama Forum on Jobs and Economic Growth, with business, labor and nonprofit leader and “thinkers” to talk about ways to get people back to work resulted in record unemployment and a shrink economy.

Obama has lied again. The nonpartisan Congressional Budget Office (CBO) cannot even score the latest ObamaCare scheme because it lacks enough detail to do so. The White House claim that the scheme will save $100 billion over 10 years and $1 Trillion over 20 years is refuted by the Wall Street Journal that estimates the bill will cost $950 billion over 10 years. We will get a tax increase to balance out Obama’s scheme as more than $1,000,000,000 is needed in the next 10 years.

Democrats will shove ObamaCare down every Americans throat like it or not, it will happen and Obama is pushing it through and it must be stopped.

White House Communications Director Dan Pfeiffer said. “We took our best shot at bridging the differences.” He then indicated that the White House is open to the Democrats using a parliamentary tool called “reconciliation” to pass the bill without 60 votes in the Senate, saying that the president’s proposal is designed for “maximum flexibility” so that it could be attached to a budget bill as a way of averting a Republican filibuster.

Every person will be hurt with increased costs of an out of control Government Run Health Care bureaucracy taking over private insurance with Federal regulations. The scheme completely ignores and does not include sensible Republican proposals for a series of modest changes to bring down costs and improve coverage, including measures like tort reform and new freedoms for insurance companies to compete and sell policies across state lines.

A record number of Americans are out of work and ObamaCare funding is more than $1 Trillion short and cannot be paid for without new taxes.

This is outrageous and exactly what Americans do not want. FAX NOW AND OFTEN AND MAKE CALLS TO CONGRESS. We need your continued help more than ever as Socialized Health Care MUST STILL Be Stopped.

Obama’s NEW Government Takeover Scheme Creates Socialized Health Care
Select Here to STOP Socialized ObamaCare:
SEND YOUR FAXES NOW!

Keep calling your Senators and Representatives today, toll free numbers include 1-877-851-6437 and 1-866-220-0044, or call toll 1-202-225-3121 AND REGISTER YOUR OUTRAGE at Arrogant ObamaCare TAX Increase!

CALL PRESIDENT OBAMA 202-456-1111 and 202-456-1414 expressing your outrage at incompetence in crippling and obstructing the “bipartisan healthcare reform summit”.

DO NOT BE SILENCED – MAKE YOUR VOICE HEARD!

NOTE: We need TENS OF THOUSANDS of faxes and PHONE CALLS and EMAILS delivered to ALL Congressmen right away!

This is a fight for the very heart of America. We can WIN this fight! With Senate Republicans now forcing Democrats to “ping-pong” the Obamacare bill back and forth between the two Houses, we can capitalize on the divisions within the Democrat Party itself! If we can STOP Reid and Pelosi from getting enough votes in either House — that means THE BILL WOULD DIE!

We CAN still win, by keeping the Democrats from getting the votes they need to pass Obamacare… but we can’t do it without YOUR help!

Obama’s NEW Government Takeover Scheme Creates Socialized Health Care
Select Here to STOP Socialized ObamaCare:
SEND YOUR FAXES NOW!

TAKE ACTION: We don’t have much time before the liberal Democrat leaders in the House and Senate begin their backroom deal-making to work all of their deals and compromises, in hopes of getting enough votes to pass ObamaCare. We have to start NOW in letting ALL of these people who are supposed to be representing US in Washington, that we are NOT going to put up with this — and that they MUST LISTEN TO US and KILL THE BILL!

We CANNOT let the radical liberals in Congress — and the White House — force this plan for socialized health care on the American people! That’s why we’ve set up our website to enable you to send a strong message to every single member of the U.S. Senate and House of Representatives, OPPOSING this outrageous plan.

For about what it would cost you in time and telephone charges, you can send Blast Faxes to Democrats, Republicans, Independents — EVERYONE in BOTH houses of Congress, DEMANDING that they REJECT this socialized health care plan NOW!

This fight CAN BE WON! Please, take action right away to STOP this bill in the U.S. Congress!

Sincerely,

Alan M. Gottlieb
Chairman, AmeriPAC
www.AmeriPac.org

Obama’s NEW Government Takeover Scheme Creates Socialized Health Care
Select Here to STOP Socialized ObamaCare:
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Please make checks payable to AmeriPAC:
American Political Action Committee (AmeriPAC)
PO Box 1682
Dept Code 3742
Bellevue, WA 98009-1682

Paid for by AmeriPAC, a federally-authorized and qualified multicandidate political action committee. Contributions to AmeriPAC will be used in connection with federal elections. Maximum contribution per individual per calendar year is $5,000. Contributions from foreign nationals and corporations are prohibited. Contributions are not deductible for federal income tax purposes.

 
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