Archive for August, 2021

Medical Debt Collector or Patient Assistance? Nonprofit’s Model Raises Ethical and Legal Questions

Tuesday, August 31st, 2021

Hospitals are donating unpaid debt to a Tulsa-based not-for-profit that claims to connect patients with social services including housing help, food assistance, transportation, addiction treatment or credit counseling.

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Participate In Stop Loss Profits

Tuesday, August 31st, 2021

Trucking coverage is tough right now. Thanks to nuclear verdicts and low interest rates, premiums are climbing. This is happening to all companies, regardless of their loss experienc

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You Can’t Fix What You Don’t See

Monday, August 30th, 2021

candle

By William Rusteberg

Has your company tried, over and over again, to solve ever increasing health care costs?  “Yes, of course we have, but nothing seems to work!” is a common answer. “We bid out our employee health insurance every year through multiple brokers, we reduce benefits to offset rate increases, and we even light a candle 24 hours before year-end renewal!”

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The Klement Letter

Sunday, August 29th, 2021

“As an outsider looking in and not having all the political implications and considerations that board members face, I’d like to give you our perspective and advice for consideration on your choices.” – Greg Klement

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Mike Keogh

Sunday, August 29th, 2021

“Don’t bother doing something unless you’re radically different from the competition” – Richard Branson

By Bill Rusteberg

Mike Keogh was an extraordinary man. A former BCBSTX salesman in the 1950’s, he later built  an independent brokerage in San Antonio with great success. I met Mike in the early 80’s and did quite a bit of business with him.

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United States Health Care Pricing Is Insane

Saturday, August 28th, 2021

Does anyone with health insurance really care what health care costs? After all, with copays and deductible/s the same cost to the consumer no matter where they go for care because other people’s money pay most of the cost……………..

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Trends in Hospital Lawsuits Filed Against Patients for Unpaid Bills Following Published Research About This Activity

Saturday, August 28th, 2021

The findings of this study suggest that research leading to public awareness can shift hospital billing practices. Translation: Hospitals don’t like sunlight……………

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French Citizens: “Screw Covid Passports”

Saturday, August 28th, 2021

A single photo persuaded bureaucrats to drop face mask mandates during the 1918 Spanish Flu pandemic…………Will a 2021 French picnic picture bring back bureaucratic sanity?

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Schuessler’s Band Of Renegades Poised To Solve Health Care

Friday, August 27th, 2021

Carl Schuessler, Inventor of The Schuessler Stick™

Mitigate Partners with 30 independent offices across the United States act as the problem-solvers, consulting with businesses on employee benefits……………..

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Cash Pay Health Insurance Is The Future (and the future is now)

Friday, August 27th, 2021

Insured members pay for health care with cash provided by insurance plan funds and paid directly to medical caregivers at the point of service. No patient responsibility and no balance billing. Everyone wins, the plan, plan members and medical caregivers…………Meanwhile under traditional status quo health plans……………

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Insurance Payments Tied to Medicare Intrigue States, Employers

Friday, August 27th, 2021

Hospital Administrator Reacts To News

Montana’s state employee plan went from a projected $9 million deficit to $112 million in reserves by the end of 2017.

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BUCA Earns “F” In Health Care Cost Containment

Thursday, August 26th, 2021

A +4,000 life Texas school district self-funds their medical plan using a BUCA as plan administrator and PPO network provider. How has their plan performed in the last seven years?

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Long Live Primary Care

Sunday, August 22nd, 2021

“If we increase the spend on primary care so that primary care doctors can holistically manage their patient’s health, quarterbacking to specialists and coordinating care as needed, we can achieve lower overall spend on healthcare.”

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TRS ActiveCare Eager To Provide Claim Experience?

Friday, August 20th, 2021

After years of refusing to provide member districts their own claim experience, TRS officials now are eager to provide it. Why?

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Tyler, Texas Chamber Against Hospital Pricing Transparency Rules

Thursday, August 19th, 2021

Plaintiffs Chamber of Commerce of the United States of America (“U.S. Chamber”) and Tyler Area Chamber of Commerce (“Tyler Chamber”) (collectively, “Plaintiffs”), bring this action for declaratory and injunctive relief against the Department of Health and Human Services, the Centers for Medicare & Medicaid Services, the Department of Labor, the Employee Benefits Security Administration, the Department of the Treasury, the Internal Revenue Service, and the current heads of those agencies in their official capacities (collectively, “Defendants”), alleging as follows:

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Man Sentenced To Death For Refusing Vaccination

Thursday, August 19th, 2021

Transplant patient taken off list for refusing to take the Chinese Flu vaccination……

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Dallas ISD Offers $500 Vaccination Incentive

Wednesday, August 18th, 2021

Coach Joe Sixpack and his pals are planning to get vaccinated at least ten times just to be sure. “We’re gonna use the money to help pay for our TRS ActiveCare we can’t afford to use” said Coach Sixpack.

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Commission Relationships in Health Care

Wednesday, August 18th, 2021

 

The Healthcare Industry is Filled with Commission Relationships Where Money Is Paid, But It Is Not Always Obvious.

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Decision Time: TRS ActiveCare or Commercial Health Plan?

Sunday, August 15th, 2021

Senate Bill 1444 brings districts to a fork in the road. One takes them out of the health insurance business and the other puts them smack dab into it…..

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The Duopoly That Controls Your Pharmacy Benefit

Friday, August 13th, 2021

Dear Plan Sponsor, do you think you control your Rx plan? Think again…………..

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Dead People Paid By Government Health Plan

Thursday, August 12th, 2021

Dead people have been known to vote, now we learn they get health care while dead too…..Next thing you know we’ll elect dead people to Congress………….

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Why a $60 Hospital Bill From 1955 Went Viral

Thursday, August 12th, 2021

Babies cost $59.95 back in the 1950’s. I was almost free in the decade before that. Babies are worth a lot more these days………….

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You’ve Got The Body Now You Want My Soul

Thursday, August 12th, 2021

You’ve got the body now you want my soul………….Ill do almost anything you want me to do but I cant do that, no, no, no………………Ain’t accepting any balance billing baby!

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Court Finds Charter School Benefit Plans Fall Under ERISA’s Governmental Plan Exempt

Thursday, August 12th, 2021

“Because the state not only funds the charter schools but also approves their establishment and continued existence, it is not appropriate to treat them as private institutions subject to public regulation.”

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TRS ActiveCare or Commercial Health Plan?

Wednesday, August 11th, 2021
“When you come to a fork in the road, take it” – Yogi Berra

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The Kind Of Prospect We Want To Do Business With

Wednesday, August 11th, 2021

Yesterday’s meeting with a prospect was memorable. The group’s in-house risk manager listened politely, then towards the end of the meeting got up and started drawing a diagram on the board, while narrating at the same time.

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Monday, August 9th, 2021

Welcome to Global Health Management, Canada or as we refer to ourselves: GHM Canada.

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Public Consulting Group

Sunday, August 8th, 2021

We believe in the power of the public sector…………………….

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Where is the medical cost trend headed in 2022?

Sunday, August 8th, 2021

Healthcare spending is expected to return to pre-pandemic baselines with some adjustments to account for the pandemic’s persistent effects.

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TRS ActiveCare Flips: Will Release Claim Experience

Sunday, August 8th, 2021

Can an employer access claims data to compare TRS-ActiveCare to other options for employee health benefits?

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Easy Issue Life Insurance With Return of Premium Benefit

Saturday, August 7th, 2021

If They Want to See A COVID “Passport” – Show them This!

Saturday, August 7th, 2021

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How Banning Surprise Billing Changes MultiPlan’s Business

Friday, August 6th, 2021

Political winds threaten the stability of MultiPlan’s core business……..

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Question for Health Insurance Experts

Friday, August 6th, 2021

Plans have been known to exclude coverage for “risky” behavior………

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The Robin Hood Risk Adjustment Program

Wednesday, August 4th, 2021

To protect against potential effects of adverse selection and help stabilize premiums in the individual and small group markets, the (Robin Hood) risk adjustment program transfers  funds from plans with relatively low-risk enrollees to plans with relatively high-risk enrollees.

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What European Country Is This?

Tuesday, August 3rd, 2021

National Ambulance Service reach all over the country within 15 minutes…………

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Government Considers Onerous Punishment For Renegade Hospitals

Monday, August 2nd, 2021

Government bureaucrats consider upping punishment for non-compliant hospitals…….

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Consumers Blame Insurers Surprise Medical Bills

Monday, August 2nd, 2021

Blame Game In Health Care

Whatever happened to individual responsibility?

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Hospital Price Transparency – Not a Cure for the Disease

Sunday, August 1st, 2021

Transparency has revealed just how absurd the current contracting process is, and has in many ways caused more confusion and obfuscation……………….Costs could very likely rise in many markets as systems learn about higher prices being charged by their competitors – the definition of ‘unintended consequence………….

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