Concierge Physicians are the Antidote to the Coming Medical Tsunami
People worry about the year 2012, as the Mayans predicted the earth would experience cataclysmic events.
But the year everyone needs to prepare for is 2014, as the new health law, which passed last year despite overwhelming opposition by Republicans, doesn’t take effect until 2014.
The Congressional Budget Office has projected that an additional 32+ million Americans will get insurance, and the law has already extended tax credits to small businesses for buying insurance and allowed many parents to keep their children on their health plan until their 26th birthday.
But opponents say it costs too much and gives the federal government too much control over health care.
Opponents are trying to get it struck down in the courts, a fight that will take years to resolve.
Consumers need to in-source their care and take control with affordable concierge medicine plans and invest their medical dollars differently.
Between now and 2014, many employers will scrap their own health care plans and “dump” their employees into exchanges. The total number of consumers dealing with health care change will be far bigger than the 30 million currently projected.
It means selecting a high deductible insurance plan and having more dollars to invest in a bridge concierge medical plan to guarantee you will have access to your preferred doctor regardless of the health care crisis.
The coming numbers are big. Between now and 2014, many employers will scrap their own health care plans and “dump” their employees into exchanges. The total number of consumers dealing with health care change will be far bigger than the 30 million expected.
What does in-sourcing health care mean?
Selecting high deductible plans, and educating yourself on your health issues and preventative care are part of the solution. Diet, exercise, avoidance of known carcinogens and practicing mind-body wellness and routines such as yoga, Pilates, meditation and massage are invaluable for overall health maintenance.
More than any other time, consumers have the tools and information to manage their health care decisions by comparison and negotiation of fees and costs with their physicians, labs and hospitals.
A huge mistake is to go for a low co-pay plan, and overpay in the premium.
You can secure better healthcare by signing with a SignatureMD physician and receive guaranteed wellness exams, state-of-the-art diagnostic tests and 24/7 medical support for less than you think.
More worrying, would you buy your medical insurance from Walgreens?
The retailer is poised to health insurance, CNNMoney reported.
Walgreens and many retail companies want to sell health insurance on private exchanges before the public exchanges mandated by the new health care reform are up in 2014.
CNNMoney said, “Retailers, financial services providers and a large payroll processors are among firms that are actively looking into starting private health insurance exchanges that are separate from public exchanges.”
eHealthInsurance is one of the largest private health exchanges.
People who buy insurance on private exchanges won’t be eligible for subsidies that will make insurance on the public exchanges affordable to just about everyone. But which doctors will be stuck with these millions of new previously uninsured patients?
Federal law won’t prohibit insurance companies from denying coverage to adults with pre-existing conditions until 2014.
Preparing for the storm coming is the best plan, and concierge medical care that is affordable and complements your high-deductible PPO insurance is the smartest hedge against the looming McMedicine crisis.
II. MSN – Health and Life Insurance