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Friday 24th of May 2013
RubinHealth Blog


Question and Answer PDF Print E-mail
Thursday, 19 May 2011 20:45

Question:  If Medicare is the secondary insurer will they reimburse for the copay? And what about any other out of pocket expenses I incurred?

Answer: Sometimes yes and sometimes no.  Medicare will compare what the primary insurer paid versus the Medicare approved amounts. Medicare will then pay any additional costs up to the Medicare-approved amounts, including a co-pay.  However, if your primary insurer paid more than the Medicare allowed amount, you will have to pay the costs of services (co-pay and co-insurance) above those that Medicare would have paid.

Last Updated on Thursday, 26 May 2011 15:39
 
It Finally Looks Like the Politicians Are Paying Attention to Medicare, Like It or Not PDF Print E-mail
Thursday, 21 April 2011 15:41

While healthcare reform is now 13 months old, one might have been misled into believing the country had solved the health care crisis. Sure, many more Americans will have access to affordable healthcare insurance. Health care reform, or health care insurance reform as many call it, is a big step forward for so many Americans who have been denied access to the health care system for a whole host of reasons.

It, almost, does not matter that many of the key provisions do not kick in for several years. We heard about some of the quick "wins" now in effect. Children under age 26 are allowed to stay on their parents insurance (in most cases); lifetime caps on insurance coverage have been removed; Medicare beneficiaries have seen the donut whole start to close and get some "free" preventative services. I could list many more but that is not the point.

A significant proposal was introduced for controlling the skyrocketing costs of Medicare, an increasingly difficult financial burden for the federal government. The House Budget Committee Chairman, Paul Ryan, a Republican, presented a comprehensive budget proposal that includes a plan to privatize Medicare. Representative Ryan believes his plan will save the federal government billions of dollars annually and prevent insolvency of the Medicare program. 

It is important to understand Medicare is, generally speaking, supported by health care taxes (paid by us), premiums paid by beneficiaries for certain components of the program (physicians and drugs), and by general funds from the federal budget (income taxes paid by us). This plan assumes the private sector will do a better job reigning in the skyrocketing costs of Medicare than the federal government can do on its own. The sad truth is Representative Ryan may be right but I hope he's wrong. 

I am a supporter of the Patient Protection and Affordable Care Act. I have made no secret in telling people the current system is severely broken and on a path to financial ruin. I have also said the health care reform law is flawed and does not go far enough in addressing the skyrocketing costs of providing health care to Medicare beneficiaries and all Americans. We are faced with some very simple facts:

Last Updated on Thursday, 12 May 2011 18:07
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The Abu Dhabi Healthcare Challenge: Learn from America’s Mistakes PDF Print E-mail
Thursday, 07 April 2011 16:18

A city and country of world class medicine including vast research facilities with the best and brightest scientists leading the world in discovery; a center for training the young doctors who will heal the sickest people; new and modern healthcare facilities to attract patients from all over the world for the latest treatments of complex health conditions. This may sound like the United States, but it is what political and business leaders are growing in Abu Dhabi.

As Abu Dhabi, and for that matter the whole United Arab Emirates, modernizes itself with a booming economy and ever growing population, the demand for healthcare services will continue to grow. However, much like the United States, highly trained doctors offering the latest treatments using the newest and best technologies are going to place an increasing burden on all government resources. This leads to the fundamental question at the basis of developing a modern health care infrastructure: where does a government balance the burden between the public and private sector?

Last Updated on Friday, 22 April 2011 19:07
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Rationing healthcare or not, it raises the right questions PDF Print E-mail
Tuesday, 22 March 2011 13:17

See this article in the New York Times: http://www.nytimes.com/2011/03/22/business/22care.html?_r=2&emc=tnt&tntemail0=y

and listen to Doctor Radio on Thursday from 12-2pm where we will cover this very controversial subject. Only on Sirius 114 / XM 119

Last Updated on Tuesday, 19 April 2011 08:43
 
Why Are People Shocked? PDF Print E-mail
Monday, 07 March 2011 15:03

There has been a strange lull in the healthcare discussion in this country. Certainly the events in the Middle East and the recent good jobs report have taken the news spotlight off of healthcare reform. While the debate over repealing healthcare reform is far from over, the news has definitely moved on to other topics.

Last Updated on Thursday, 21 April 2011 19:56
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