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

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

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

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

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

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

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

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

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

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

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Blame Game In Health Care

Whatever happened to individual responsibility?

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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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By David Hoffman

This is a clip from my first documentary feature film called King Murray. It won the Cannes Film Festival Critics Prize in 1970. Murray King was a most amazing character and ended up selling me life insurance….. at 27 years old!

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AFLAC facing distribution pressures due to the Chinese Flu………..

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The author’s message is clear. And it’s real. But there is something else within the article that’s a condemnation of our current health care system of finance in this country – If You Can’t Pay Your Gonna die.

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Insurance Agents Cheech & Chong Out Making Cold Calls

Cheech & Chong, in their best dreams of years gone by, would have never thought possible mainstream insurance brokerage would ever promote a canabis benefits captive. Their idea of “captive” was that it was really bad and something to avoid.

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With the magical stroke of a bureaucratic pen a list of the procedure codes may be removed from the ASC payable list, including several heart and spine procedures…………….

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Legislation Introduced to Fix Health Insurance ‘Birthday Rule’

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“When United and a provider dispute whether a claim was overpaid, cross-plan offsetting allows United to act as judge, jury, and executioner.”

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By Bill Rusteberg

Ruben Edelstein practiced managed care in his own way. The son of immigrants, he ran a successful furniture business in South Texas. An astute businessman, he grew the business with locations throughout the Lower Rio Grande Valley in deep South Texas.

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AON Representative Reacts To The News

Aon will pay the $1 billion termination fee to Willis Towers Watson…………..

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“Somewhere in the world, there is the world’s worst doctor, and someone has an appointment with them tomorrow” – George Carlin

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Will TRS ActiveCare survive massive assaults by hordes of commercial invaders who believe victory is a given? Battle plans incorporate common sense, reason and logic geared to winning in time for the TRS ActiveCare Armistice Day deadline set for December 2021…..

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Unfortunately health plans traditionally do not discriminate by choice of in-network provider because members pay the same no matter who they visit for health care.

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We are thrilled to invite you to our Group & Medical Client Summit on September 13 – 14, 2021.

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USBenefits Insurance Services, LLC is a full service Managing General Underwriter, providing Medical Stop-Loss Reinsurance for employer groups through qualified Third Party Administrators and select brokers.

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Phone Call Recordings may be Requested by Claimants if They’re Deemed Relevant to a Benefits Claim

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The rise of PE in medicine has resulted in a proxy war against insurance companies exclusively for the benefit of clandestine shareholders and investment fund managers rather than patients or clinicians………………..

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Powers is an expert on reference-based pricing (RBP), having worked on RBP plans for over a decade……………..

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Those that don’t play by the rules get the same benefits they have always had but wish they didn’t because they want something better and cheaper………….

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HOLY COW!

Interesting Milliman study on health care costs. A lot has changed since 1973………..

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If this patient didn’t have “Skin In The Game” he would not have shopped for care.

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Camp Coverage in a 5 minute phone call – 1-800-334-5579

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As insurance costs continue to soar you will see a rapid growth in strategies like this among the ever shrinking community of independent PCP’s who remain adverse to the shackles of managed care contracts and hospital ownership of their practice………

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Increasingly fed up with red tape, paperwork and meddlesome third-party rules—especially since passage of Obamacare—a growing number of physicians are opting to bypass both government and insurance companies.

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Survey results for the January 2020 business indicate a continuation in the favorable loss ratio trend with more than half of all participants achieving or exceeding their respective target loss ratios.

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Fee based insurance consultants in Texas have been required to hold a Life & Health Counselors License issued by the Texas Department of Insurance. Now anyone who claims to be a fee based consultant and holds a General Lines insurance license may provide insurance consulting services.

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The Edinburg Independent School District held public job interviews for insurance consultant and five showed up to make their pitch.

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ATTENTION INSURANCE CONSULTANTS: If you have two hours of free time and want to watch one of the best insurance consultants in our industry deal with a passive aggressive school board this is it.

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“Who, me? I don’t have it!”

Edinburg ISD’s self-funded health plan lost $19,000,000 in 18 months and they want to know where it went.

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It’s on us as practitioners who take insurance to be assertive and request fair reimbursement rates……………….

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By Bill Rusteberg

In March 22, 1982 I quit my job with a major insurance company to strike out on my own as an independent  commissioned insurance agent. By late July I was nearly broke and worried.

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The day after college graduation, Ada Betty took the exam to obtain her Recording Agent’s Insurance License. She passed the exam and became the youngest licensed recording agent in the state of Texas, at the age of 20. Her father, J.C. Dunn, founded the American International Life Insurance Company in Harlingen in 1952 and Ada Betty served as Vice President upon obtaining her license.

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California city requires all gun owners to maintain gun insurance……..Meanwhile back at the ranch, Texas enacts Constitutional Carry effective September 2020……….

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Kim was furious when he received reports  that officials tried to import Chinese, not European, medical equipment. Those involved in the import of this equipment were reportedly executed……….

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Vori Health Raises Additional Capital from Strategic Partners Intermountain Healthcare, Ascension Ventures, and Echo Health Ventures

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Godfather, The Cat’s Out of The Bag!

An aggressive insurance agent with relationships with school districts can make a lot of money by taking advantage of the Small Group definition by forming a cooperative for school districts as an alternative to TRS ActiveCare.

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Ransom monies are probably going to Russia to pay for Ferraris in Moscow…………………….

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By Molly Mulebriar

Health insurance in the United States is no longer insurance in the traditional sense. It’s become an entitlement welfare scheme that’s fast becoming a heavily regulated government utility.

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If we don’t buy FAN BELT insurance then why do we buy insurance for routine doctor office visits? A routine office visit costs around $75 – $150 depending on who you see and the type of visit. Insuring a $75 benefit doesn’t make sense and ends up costing more.

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The erosion of the American middle class continues due directly to the medical-industrial complex. It’s time to stop that by giving working Americans better health care that costs less…….

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“He who has data wins. He who has good data wins a lot. He who has real time data wins all the time” – Bill Rusteberg

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