- When I call to make an appointment with my doctor, I want to see my doctor. Not some other doctor or physician’s assistant or nurse practitioner; unless I specifically request or agree to that.
- I will not be financially responsible for any charges or fees not covered by my insurance for any tests, procedures, consultations or lab unless those charges are specifically discussed with me prior to any of them actually being incurred. After the charges are discussed, I will then decide whether to proceed or not and will inquire as to alternatives or if they can be done cheaper elsewhere. Of course, this applies to routine situations, not dire emergencies. It would be wise and helpful for you to post your routine fees and charges on your website and on a large sign in your waiting room.
- I will not answer any questions about or provide any social or behavioral information, except things I may relate to my physician in private and confidence directly. I do not give permission for any such information to be transmitted in any form to anyone or any private or governmental agency (local, state or federal) other than my physician.
- I do not give my permission for any information of any sort to be transmitted to any private or governmental agency (local, state or federal) other than my insurance company.
- I do not give my permission for any information to be stored off-site of my physician’s physical office.
- I do not use my social security number as a personal medical identification number. Please use an alternative number such as my employee ID number from my employer who provides my health insurance. I will not provide my social security to anyone and do not give my permission for you to obtain it by any means or from any source and do not give my permission for you to retain and/or store it.
Sunday, September 15, 2013
Patient's Statement of Rights
Tuesday, July 16, 2013
The Smart Medical Shopper
- Make sure you understand your insurance policy. Ask your carrier for a clear summation page of your benefits, co-pays, co-insurance, maximum annual out-of-pocket cost, individual/family deductibles, in-network/out-of network details, in-patient vs. out-patient tests and procedure costs, annual wellness/screening 100% covered expenses, pharmacy details/co-pays, exclusions and exceptions.
- Ask your insurance carrier to provide a way (online dashboard) for you to quickly and accurately check where you are in your expenses in all of the various categories throughout the year.
- Ask your insurance carrier for a quick, easy way for you (and doctors/hospitals) to check on covered charges and what your potential liability portion would be before authorizing any tests, treatments, medications or procedures.
- Request that doctors/hospitals contact your insurance company and pre-authorize anything beyond your co-pay and discuss that with you before it is done. If necessary, you contact the insurance carrier.
- Discuss the cost of any and all procedures, tests, treatments or medications that your doctor wants to order for you prior to agreeing to them. Discuss the possibility of cheaper alternatives or just waiting a while if possible.
- Always ask your doctor to choose generic medications or cheaper alternative medications when possible.
- When checking in at a doctor’s office or hospital, give them a note that you have signed and dated informing them that you will only be financially liable for charges (particularly beyond your co-pay) that have been discussed with you in detail prior to you authorizing those things that incur the charges. Don’t sign blanket statements that you will be liable for any charges that your insurance company does not pay. Have them (and/or you) contact the insurance company for clarification/pre-authorization if necessary.
- Always ask for a detailed, line-item billing statement; not just a total bill due. Review the bill for accuracy. Get someone who is medically savvy to help you if necessary. If you don’t understand something, ask the provider for clarification. If you think there is an error, speak up!
- When communicating with doctor’s offices, billing offices, hospitals and insurance companies about charges, bills and disputes; always get everything in writing.
- When communicating with billing offices about charges, bills and disputes always copy your insurance company and your employer HR/Benefits office (if you have employer provided medical insurance) on all correspondence to and from the billing office.
- If you think a charge is way out of line, do some research. See if you can find what the actual cost is and what other places are charging for similar services or products. Ask for a price match; Wal-Mart will price match, why shouldn’t doctors and hospitals? These medical people are in business after all. Let them know there is some competition for you business out there and you’re willing to go where you can save money.
- Ask doctor’s offices and hospitals not to share any information of yours (even non-identifiable generic information) with anyone other than your insurance company. Not with any private company or any government agency; local, state or federal.
- Unless required by a federal program such as Medicare or Medicaid, do not use your social security number for identification and do not give your number to doctor’s offices or hospitals. If you ask them to use an alternative form of identification they must comply. Similarly, let your medical insurance company and employer HR/Benefits department know that you will not use your social security number for medical care identification purposes and you do not permit them to use it.
Wednesday, January 19, 2011
Time to Set Our Compass
The Constitution is our fixed point of reference in law and government. Without it we are not a nation of laws, but rather a nation governed by the whims of men. This is a recipe for disaster. And that is where we are headed, and have been for years. Think of it this way. In the Christian world the Holy Bible is the fixed point of reference. It is considered the revealed, inerrant Word of God. It is not changeable by men. It is not subject to their interpretation. If it were, Christianity would not be a religion of God, but rather of pastors. And that would be a recipe for disasters. If I can pick up my fixed point of reference and move it, then it's not really a fixed point of reference. It's not really of much help in troubled times. What if the North Star kept moving? How would mariners navigate? What if the lighthouse on the rocks kept moving? How many ships would wreck? When our Constitution is treated like Silly Putty we are adrift in a dangerous sea with no North Star and no lighthouse. We are rapidly approaching the rocks and don't seem to realize it.
The ends do not justify the means. We must follow our constitutional dictates if our republic is to survive. The states are the great laboratories of freedom. Let them deal with the health care questions and see what works best. Then other states can duplicate the best programs.
Keep the feds out and freedom and diversity will solve our problems.
Saturday, July 17, 2010
When It Comes To Health Care, Here's HOW!
Wednesday, March 17, 2010
Rights vs. Entitlements
Thursday, December 03, 2009
Heads Up Senators
I and many other conservatives believe that this health bill must be opposed in its entirety on constitutional grounds. Quite simply, the federal government has no constitutional power or authority to be involved in health care delivery or regulation or the provision or regulation of health insurance. This would include the current bill before the senate as well as MediCare/MediCaid. (And Social Security and a federal minimum wage; but those are battles for another day) To argue any less is tantamount to an admission that the Constitution is null and void and we are no longer a nation of laws but now rather of men. This will ultimately lead to tyranny and anarchy. These issues are rightly reserved to the States, barring a constitutional amendment. Seeing no amendment movement on the horizon the federal government must cease and desist from this illegal pursuit. Surely someone in the D.C. vacuum must realize that these activities contribute greatly to the current 71% mistrust level of the federal government among the People. Mark my words, a movement is brewing based upon the 10th Amendment, the States and the People to retake our federal government and reinstate the Constitution, with or without the cooperation of the Congress, President and Courts. The People and the States created the federal government to serve them, not dominate and oppress them. We expect our creation to obey the rules that we set out for it in the Constitution, to the letter. So very much of what the federal government does and spends today falls outside of its Constitutional authority. Understand, the People have had enough of it. This is the proverbial line in the sand. May God bless and save the Republic and the Constitution.
Sunday, November 22, 2009
The Health & Care of our Nation
As to our current debate, the federal government has no constitutional role in providing for, insuring for or regulating health care. That is strictly a state-by-state issue. And yes, that would also apply to Medicare and Medicaid. That a Supreme Court ruled on their constitutionality only proves their criminal collusion. Programs such as Social Security and a federal minimum wage also fail the test, but that is a fight for another day. Arguments trotted out by our nefarious Congressional spokesmen about the General Welfare Clause of the Preamble, the fabulously abused Interstate Commerce Clause or the Necessary and Proper Clause are breathtaking only in the audacity of their being brought forth and they are convincing not in the least. As I mentioned earlier, such proclamations are either a testament to enormous intentional chutzpah or a symptom of the decline and fall of constitutional education in the law schools. At any rate, while the current Congress many ram through some health care bill, have this fascist buffoon of a so-called President sign it and no doubt the lackey Supreme Court will give it a false imprimatur of legality; the People and the States will ultimately have none of it. Mark these words, a movement is coming, based upon our founding principles as spelled out in the Declaration of Independence to turn back this tide of creeping federal cannibalism and restore the tenets of the Constitution to their rightful place. It will be a movement of the People and the States. We will once again make it clear that the Constitution means exactly what it says. It is not a living evolving document. It can only be changed by the proper amendment process. If Congress does not have the will to propose a Constitutional Amendment to take over the health care system, then it must leave hands off and let the States and the People see to it. We are on the precipice of becoming a nation, not of laws, but of men. In other words, tyranny which will rapidly devolve into anarchy. The Constitution is the only instrument which separates us from rule at the end of a gun barrel. Right now, the Constitution is barely hanging on by a frayed thread. If the federal government can do anything it wants to We the People simply by virtue of proclaiming that it can and will, without Constitutional restraint; then we are truly adrift on a tempest-tossed sea with no sail, no map and no rudder. The Republic is on the verge of collapse. If that be the case, then only God can help us. Let us pray that we soon come to our senses. God save the Constitution, God save the Republic and God bless America.
Thursday, October 29, 2009
Health Care Debate
The current raging debate about health care is NOT about health care, it’s NOT about health insurance, it’s NOT about how much this bill or that bill will cost, it’s NOT about a public option or co-op’s or opting out, it’s NOT about how many Americans don’t have health insurance vs. access to health care. IT IS about the Constitution, IT IS about Article 1, Section 8 and the specific enumerated powers and constraints upon the Congress, IT IS about repeated Congressional over-reaching, IT IS about the rule of law, IT IS about a republic vs. a democracy, IT IS about States’ and People’s rights, IT IS about the 10th Amendment, IT IS about a line in the sand. This is it, enough is enough. The People have decided to take a stand here and say, “No more!” Our republic may live or die on this issue. Yes, it’s that big.
Monday, September 21, 2009
Whoa!
With a clear understanding of the history of the writing of the U.S. Constitution, I as a legitimate party to that covenant and upon close inspection finding no mention of health care or health insurance; demand that the federal government cease and desist any intrusion into these areas until and unless an amendment to the U.S. Constitution has been duly passed granting such authority to the federal government. And yes, I seriously believe that this stipulation would apply to Medicare, and by extension; to such programs as Social Security and the federal minimum wage.
Tuesday, August 11, 2009
OK, I'm Only Going to Say This Once...
Wednesday, July 22, 2009
TINSTAAFL
Thursday, July 16, 2009
Bend Over and Grab 'em!
Wednesday, June 24, 2009
Marching to Pretoria
Good Morning
- No Cap-and-Trade or Carbon Emissions Tax Legislation! Carbon dioxide is not a pollutant. Man-made global warming/climate change is a myth and a hoax perpetrated by that over-weight, over-the-hill mooch Algore. This legislation is another fascist attempt by the Chicago Obama Mob Syndicate to destroy capitalism and take over the economy. Don’t let yourself be duped into being one of their useless idiots!
- No Iranian diplomats at the White House for hot dogs (pork?) on July Fourth! This Kenyan is a moron! Don’t Tread on Me!
- BarryCare is a monster! Doctors will not participate in this charade. Hardly any will take Medicare now. If you try to force them they will quit medicine and go make wine, which is what most would rather do now anyway.
- So the messiah doesn’t smoke cigarettes in front of his kids. It’s what he smokes behind closed doors that worries me. A mind is a terrible thing to waste.
OK, now you have your marching orders for today.
Now get out there and kick some liberal butt!
Tuesday, June 16, 2009
ABC News=Always Been Communist
Tue Jun 16 2009 08:45:10 ET
On the night of June 24, the media and government become one, when ABC turns its programming over to President Obama and White House officials to push government run health care -- a move that has ignited an ethical firestorm!
Highlights on the agenda:
ABCNEWS anchor Charlie Gibson will deliver WORLD NEWS from the Blue Room of the White House.
The network plans a primetime special -- 'Prescription for America' -- originating from the East Room, exclude opposing voices on the debate.
MORE
Late Monday night, Republican National Committee Chief of Staff Ken McKay fired off a complaint to the head of ABCNEWS:
Dear Mr. Westin:
As the national debate on health care reform intensifies, I am deeply concerned and disappointed with ABC's astonishing decision to exclude opposing voices on this critical issue on June 24, 2009. Next Wednesday, ABC News will air a primetime health care reform “town hall” at the White House with President Barack Obama. In addition, according to an ABC News report, GOOD MORNING AMERICA, WORLD NEWS, NIGHTLINE and ABC’s web news “will all feature special programming on the president’s health care agenda.” This does not include the promotion, over the next 9 days, the president’s health care agenda will receive on ABC News programming.
Today, the Republican National Committee requested an opportunity to add our Party's views to those of the President's to ensure that all sides of the health care reform debate are presented. Our request was rejected. I believe that the President should have the ability to speak directly to the America people. However, I find it outrageous that ABC would prohibit our Party's opposing thoughts and ideas from this national debate, which affects millions of ABC viewers.
In the absence of opposition, I am concerned this event will become a glorified infomercial to promote the Democrat agenda. If that is the case, this primetime infomercial should be paid for out of the DNC coffers. President Obama does not hold a monopoly on health care reform ideas or on free airtime. The President has stated time and time again that he wants a bipartisan debate. Therefore, the Republican Party should be included in this primetime event, or the DNC should pay for your airtime.
Respectfully,
Ken McKay
Republican National Committee
Chief of Staff
Wednesday, June 10, 2009
Barry Care
- Scheduling handled by Amtrak
- Billing handled by the I.R.S.
- Medical Records handled by the U.S. Postal Service
- Colonoscopies handled (literally) by Barney Frank!
So bend over and grab your ankles. Here it comes!
Saturday, January 03, 2009
Monday, December 15, 2008
Doctor, Heal Thyself
The federal government lacks the constitutional authority and power to fund or manage emergency rooms (not to mention that is is busted, it has no money). They are a horribly ineffiencient and expensive avenue for delivering family medicine to the needy. The feds have already made a wreck of the health care system and any further meddling by them will only greatly worsen the situation. Let's clean up the tort system, get malpractice premiums and product liability costs down and reduce the union driven cost of labor. Give people portable medical savings accounts which unties insurance from employment. Finally, relink payment between the actual consumer (patient) with the provider so that people can shop for insurance and shop for care to find the best care for the best price. Let the market actually work and get the artificial, inflationary constraints of government out of the equation. For those that still need help with basic medical care let the states figure out the best way to help deliver it, but not through emergency rooms.
Tuesday, October 09, 2007
With Liberty and Health Care For All
Well, first the simple truth. The elephant in the room that no one will notice is that under our Constitutional Republic (not the ‘true democracy’ to which she defers) the federal government has no constitutional power or authority to enact any federal health care or insurance system, mandatory or voluntary. No current Congressman, Senator or prospective Presidential candidate to whom I have made this point has been able to refute it. Short of a Constitutional Amendment such a program is a State prerogative. If our State’s constitution permits such a program then it should be proposed and debated in Denver, not D.C.
Second, socialism is just another name for collectivism which has been foisted upon the world in various forms including communism and fascism. It has never worked. It did not work that first harsh winter in Jamestown and it doesn’t work anywhere today. Socialism is merely the equal sharing of misery. Does she really want us to be more like decrepit, decaying Europe which produces nothing really, except laziness? The fact is most people of means who need specialized medical care come to the U.S.A from Mexico, Canada, Great Britain and most of the world. Most medications and medical treatments are the product of American research and development.
Finally, which successful federal government social program does she want to model this one after? You can hear the pin drop. There really aren’t any. These programs rapidly become bloated, inefficient and counter-productive to their original intent. Let’s leave the federal government to its true responsibilities of defending the borders, coining the money and building the roads on which to deliver the mail. I agree that we can make improvements in our health care delivery and insurance systems, but not the way that she has proposed.
