New Health Insurance Rules come into play on Sept 23

Main article here

Parija Kavilanz, senior writer, On Wednesday September 22, 2010, 11:06 am

September 23 marks the six-month anniversary of health reform. It’s also the date when several key insurance changes come into effect.

Here’s what you need to know about how your insurance is affected.

If you get insurance through your boss: Many people who are insured through work won’t notice immediate changes to their health plans until their health plans renew, which is tied to companies’ open enrollment periods. Health plans offered through large employers usually get renewed on Jan. 1.

But the mandates could kick in sooner for health plans sold to new entities or individuals after Sept. 23.

Here are some key changes coming into effect:

Coverage expansion for adult dependents until age 26. Employers will have to provide coverage for dependents of workers who don’t have access to other employer-based health care coverage ’till age 26. Some states already mandate this coverage until age 28 or 29.  continued

Physician Declaration of Independence from 3rd Party Payors

1601 N. Tucson Blvd. Suite 9
Tucson, AZ 85716-3450
Phone: (800) 635-1196
Hotline: (800) 419-4777
Association of American Physicians and Surgeons, Inc.
A Voice for Private Physicians Since 1943
Omnia pro aegroto

The Physicians’ Declaration of Independence

When in the Course of human events, it becomes necessary for one Profession to dissolve the Financial Arrangements which have connected them with Medicare, Medicaid, assorted Health Maintenance Organizations, and diverse Third Party Payers and to assume among the other Professions of the Earth, the separate and equal station to which the Laws of Nature and of Nature’s God entitle them, a decent respect to the opinions of Mankind requires that they should declare the causes which impel them to the separation.

We hold these truths to be self-evident: that the Physician’s primary responsibility is toward the Patient; that to assure the sanctity of this relationship, payment for service should be decided between Physician and Patient, and that, as in all transactions in a free society, this payment be mutually agreeable. Only such a Financial Arrangement will guarantee the highest level of Commitment and Service of the Physician to the Patient, restrain Outside Influence on Decision-Making, and assure that all information be kept strictly confidential. When a Third Party dictates payment for the Physician’s service, it exercises effective control over the Decision-Making of the Physician, which may not always be in the best interest of the Patient. The Third Party then intrudes heavily into the sacred Patient-Physician relationship and demands to inspect the Medical Record in a self-serving attempt to satisfy itself that its money is being spent in accordance with its own pre-ordained accounting principles.

The Financial Arrangements between Physicians and the Third Parties have become so destructive to the Patient-Physician relationship, and to the Medical Profession as a whole, that it is the Right, and Obligation, of the Members of the Profession to abolish them. Prudence will dictate that arrangements long established should not be changed for light and transient causes; and accordingly all experience has shown, that Physicians are more disposed to suffer, while evils are sufferable, than to right themselves by abolishing the forms to which they are accustomed. But when a long train of abuses and usurpations evinces a design to reduce them under absolute Despotism, it is their Right; it is their Duty, to throw off such arrangements, and to provide new Guards for their future security.

Such has been the patient sufferance of this Profession; and such is now the necessity that constrains them to alter their former Financial Arrangements. The history of the present system is a history of repeated injuries and usurpations, all having in direct effect the establishment of an absolute Tyranny over the Medical Profession. To prove this, let Facts be submitted to a candid world.

* The Tyranny began during the Second World War, when Companies, suffering under Wage and Price Controls, were forced to lure workers by offering Health Insurance Benefits. This benefit, in lieu of cash, received favorable tax treatment and was allowed to continue after the War, even with the removal of the Wage and Price Controls. This system created a strong incentive to use Medical Care and set the stage for massive Cost Inflation.

* Slowly, insurance changed into payment for all Medical Expenses, minus a small and shrinking Deductible, which led to further Inflation, and a call to control costs.

* The Government decreed that Employers must offer Employees the option of a Health Maintenance Organiz-ation. Thus were born the HMOs: Private Insurance Entities designed to ration Medical Care for their Members. These Organizations received Tax-favored treatment that allowed them to survive in spite of their horrendously flawed concept.

* The Government, in 1965, in its Infinite Wisdom and going far beyond its Powers as set out in the Constitution, decreed that the Poor and the Elderly should receive Health Benefits funded by the Taxpayer. Thus came into existence Medicaid and Medicare. Medicaid, from the Conception, paid Physicians such a lowly wage that few participated, thereby creating a Two-Tiered System. Medicare payments to Physicians were initially fair and reasonable, and many Physicians participated in Medicare. Both Systems flooded the Medical Marketplace with Money, which fueled Inflation even more.

* Alarmed by the Medical Cost Inflation that it had engendered, the Government set out to restrain costs, principally by limiting fees to Physicians. These Price Controls had the effect of increasing Medical Inflation, as Volume of Services went up, and Quality went down.

* With each new round of Controls, Regulations and Paperwork multiplied many fold. This caused Physicians great Anguish, and took more time away from the Patients, with attendant loss of Quality and increase in Medical Inflation.

* Government policies continued to favor the HMO, in the hope they would tame Inflation. These Organizations skimmed Money off the Premiums as Profit, but which they called “Savings.” They spent less on Medical Care by denying or limiting access to Specialists, Procedures, Hospitals, and High Technology. Since this strategy mostly delayed care, it was ultimately more expensive. Thus did the Premiums again start to rise.

* The HMOs paid the Physician by Capitation; Physicians could stay profitable by having large numbers of Capitated Patients, which they would see rarely, if at all! There were other Financial Incentives to Physicians to limit their Patients’ access to Tertiary Care. These incentives set Patient against Physician, thus destroying this Sacred Trust.

* Remuneration for Physician services by the Government and the HMOs has dwindled to the point of Unprofitability and has compelled the Bankruptcy of increasing numbers of Practices, and the search for Other Sources of Income by Physicians. No other Profession in the United States is denied the ability to raise fees to cover increasing costs of doing Business.

* The Government, becoming increasingly desperate that all its strategies to control costs had failed (because they themselves were the cause of Cost Inflation!) resorted to Criminal Prosecutions of Individual Physicians and Hospitals for alleged Fraud. The Regulations being so Arcane and Vague, a simple Billing Error could be interpreted as Fraud. Most of those so pursued, being financially unable to defend themselves, simply capitulated and paid Huge Sums to the Government. Some were imprisoned.

* The Government passed a Massive Bill called HIPAA, which forced Doctors and Hospitals to spend billions to comply, with absolutely no positive impact on Patient Care.

* The Government passed a law called SGR which automatically lowers Physician Payment when total spending and volume increase, virtually assuring a downward spiral in Payments.

* The Government and HMOs now conspire to limit fees to Physicians by a diabolical machine known as “Payment for Performance,” based on “Practice Guidelines.” In addition to insulting our Ethic, this system will close the circle between the Central Payment for Care and the Central Prescription of Care. Thus do we completely lose our Professional Autonomy.

In every stage of these Oppressions We have Petitioned for Redress in the most humble terms: Our repeated Petitions have been answered only by repeated injury. A System whose character is thus marked by every act which may define a Tyrant, is unfit to be the ruler of a Free Profession.

We, therefore, the undersigned Physicians of the United States of America, appealing to the Supreme Judge of the world for the rectitude of our intentions, do, in the Name of our Patients solemnly publish and declare, that we will withdraw our participation in all above-described Third Party Payment Systems. Henceforth and Forever, we shall agree to provide our services directly to our Patients, and be compensated directly by them, in accordance with the ancient customs of our Profession. As has always been true of our Profession, our charges will be adjusted to reflect the Patients’ ability to render payment. Nothing prevents any patient from purchasing and using Insurance. The Patients’ medical interactions with us will remain completely confidential. We pledge the highest level of Service and Dedication to their Well-Being.

And for the support of this Declaration, with a firm reliance on the protection of divine Providence, we mutually pledge to each other our Lives, our Fortunes and our sacred Honor.

Richard Amerling, M.D., New York, NY, April 2009

Trading with the Enemy Act (H.R. 4960, Public, No. 91)

Trading With the Enemy Act

1. Trading With the Enemy and Emergency War Powers.

When writing the U.S. Constitution Madison wrote that the state interminably enhances its power through “the old trick of turning every contingency into a resource for accumulating force in the government.” It does not matter what the “contingency” is, whether “benevolent” (dispensing benefits like welfare, food stamps, paying farmers not to grow crops, etc.), dealing with some “emergency” (the “drug problem,” a natural disaster, a “banking” crisis), or demanding sacrifice and allegiance to wage war.

The U.S. Constitution, Article 1, Section 8, Clause 11, states:

“Congress shall have the power to declare War, grant Letters of Marque and reprisal, and make Rules concerning Captures on Land and Water;”

A Government’s con of fostering emergencies and stepping in as hero to extricate the people from the “difficulty” through dramatically increasing state power is as old as governments themselves. The U.S. bankruptcy occurring in 1861 placed the country under Emergency War Powers (12 Stat 319), which has never been repealed and exists in Title 50 USC Sections 212, 213, 215, Appendix 16, 26 CFR Chapter 1 § 303.1-6(a), and 31 CFR Chapter 5 § 500.701 Penalties. The “Civil War” was not fought over slavery (a mere pretext), but over private legal and banking control of America. On October 6, 1917, the United States passed the Trading with the Enemy Act (H.R. 4960, Public, No. 91), granting itself extraordinary additional powers under the cover of WW1. The Act states:

“(b) During time of war or during any other period of national emergency declared by the President, the President may, through any agency that he may designate, or otherwise, investigate, regulate, or prohibit, under such rules and regulations as he may prescribe, by means of licenses or otherwise, any transactions in foreign exchange, transfers of credit between or payments by banking institutions as defined by the President, and export, hoarding, melting, or earmarking of gold or silver coin or bullion or currency, by any person within the United States or any place subject to the jurisdiction thereof; and the President may require any person engaged in any transaction referred to in this subdivision to furnish under oath, complete information relative thereto, including the production of any books of account, contracts, letters or other papers, in connection therewith in the custody or control of such person, either before or after such transaction is completed….” and

“(c) Such other individuals, or body or class of individuals, as may be natives, citizens, or subjects of any nation with which the United States is at war, other than citizens of the United States, wherever resident or wherever doing business, as the President, if he shall find the safety of the United States or the successful prosecution of the war shall so require, may, by proclamation, include within the term ‘enemy’.” [Emphasis added.]

On March 9, 1933, just after Roosevelt’s Inauguration, Congress passed the Amendatory Act (48 Stat. 1) to the Trading With the Enemy Act, at a time when the United States was not in a shooting war with any foreign foe. The American people were (unknowingly) at war with their conquerors, the Banksters, who had defeated and captured the country by the treachery of their something-for-nothing paper-money banking swindle, not force of arms. This amended version provided “legal” justification for dramatic increases in the power, scope, and authority of the U.S. Government (now owned by and an administrative agency of the FR / IMF bankers). Three facets of such increase are:

1. The President became King, Tyrant, and Monarch in a “Constitutional Dictatorship” in the service of the Banksters, as per in Section 1 of Title I of the Act:

“The actions, regulations, rules, licenses, orders and proclamations heretofore or hereinafter taken, promulgated, made, or issued by the President of the United States or the Secretary of the Treasury, pursuant to the authority conferred by subdivision (b) of section 5 of the Act of October 6, 1917, as
amended, are hereby approved and confirmed.

This means that anything the President wants to do (as a puppet for his bosses, the FR / IMF Bankers) is “approved and confirmed” automatically, in advance (“hereinafter”) and backed by the full force, effect, and power of the “Government.” Title 12 USC 95(a) states in part:

“(a) In order to provide for the safer and more effective operation of the national Banking System and the Federal Reserve System [indicating that the President acts for, on behalf of, and under the direction of the Federal Reserve],…during such emergency period as the President of the United States by proclamation may prescribe,…”

Every President since Roosevelt has reaffirmed the “national emergency” and issued “Executive Orders” under 12 USC 95, while continuing the “reorganization” (sellout) of the country to the FR / IMF Bankers. Since March 18, 1968, 31 USC 5112 (84 Stat. 1769; 1970) and 31 USC 5119, FRNs have not been redeemable in silver. In 1971-1973 President Nixon declared total international bankruptcy, rendering private Federal Reserve “Notes” unredeemable, non-negotiable (“floating”) pieces of paper as a medium of exchange. These Notes can be categorized as “worthless securities” cited in 26 USC 165(g).

2. The original Trading with the Enemy Act excluded citizens of the United States from being treated as the enemy when involved in transactions wholly within the United States. The Amendatory Act of March 9, 1933, however, included the people of the United States as the enemy by inserting the following:

“…by any person within the United States or any place subject to the jurisdiction thereof;…” Chapter 1, Title 1, Section 1(b).

By operation of law the American people became the “enemy” of the private FR / IMF Creditors in bankruptcy, who have thereafter been administering their prize / conquest through their alter ego and front, the “U.S. Government.” To regulate and control their slaves / chattel property, they rendered (under color of law and government) all intercourse illegal amongst the American people without obtaining permission through licensing. To travel, a driver’s license is required; to open a business requires a business license (not to mention additional and on-going mountains of “red tape”); to work for another one must obtain licensing through a Social Security card.3

To be “within the United States” one must merely be a “person” or “resident,” i.e. a 14th Amendment “citizen of the United States.”

3. Through the Amendatory Act (also known as the “Emergency Banking Relief Act”) the American people became “Merchants” in a colorable, private “Law Merchant,” a particular version of the ancient “law of negotiable instruments,” whereby anyone dealing with private commercial paper is subject to all the laws, rules, regulations, policies, restrictions, and harsh penalties connected with its use. A “Merchant” sacrifices all his rights to ensure that the “Law of Negotiable Instruments,” upon which commerce in a particular sphere depends, is successfully executed and precisely enforced.

The transformation from being free sovereign Americans to slaves (Merchants) bound to a gargantuan, complex, and unknowable mass of rules invented by others was codified in Section 2. Subdivision (b) of the Amendatory Act:

“…the President may require any person engaged in any transaction referred to in this subdivision to furnish under oath, complete information relative thereto, including the production of any books of account, contracts, letters or other papers, in connection therewith in the custody or control of such person, either before or after such transaction is completed.”

This has been the duty of “Merchants” for thousands of years. All a Merchant’s property, records, books, and affairs are totally subject to inspection with harsh penalties imposed for aberrations. A “Merchant” must make a yearly accounting, now fulfilled by filing IRS Form 1040 whereby reports of earnings and affairs are made to the owners of the negotiable instruments (FRNs) the slaves / Merchants are compelled to use.4

One is bound to the Law Merchant not simply by using the “money” per se. Adhesion contracts subject persons to the 14th Amendment as bankrupt corporate / commercial entities in legal incapacity. Such persons are “subject” (feudal law term used in the 14th Amendment) to the private, colorable Law Merchant for its private bankruptcy, revenue, forfeiture, admiralty / maritime, general equity courts to confiscate property in rem.

By becoming party to Government adhesion contracts such as marriage licenses, and chattel / pedigree papers called “birth certificates,” people volunteered to change their standing as sovereigns with unalienable rights to commercial feudal slaves / serfs with no rights and only government-granted privileges. As Pitt said: “Necessity is the plea for every infringement of human freedom. It is the argument of tyrants, it is the creed of slaves.”5

Footnotes for this section…

3 It is stated in the Bible that one cannot buy, sell, or trade without the MARK. (See Black’s Law Dictionary, 5th Ed., Marque: License of reprisal.) A Social Security Number is a commercial tracking number (FR Bank Account #) enabling the Banksters to monitor (tax and regulate) their commercial chattel property (you!) anywhere in the world.

4 See 26 CFR Ch. 1, § 303.1, wherein the IRS collects taxes (liens) under the Trading With the Enemy Act.

5 William Pitt, the Younger, speech in the House of Commons, November 18, 1783.

Universal Health Care

To the point, universal healthcare is exactly the wrong direction to go.  It is government and third party insurance involvement that has ruined the entire health care system in this county. 

 

A healthy body is a personnal responsibility not a third party benefit.  Any effort to further remove people from thier responsibility to maintain their own body will do nothing but increase costs and decrease overall well being of the population depending on it.

 

Dr Drumright

Gambling with your health

I’m not much of a gambler, but when I do place a bet I ussually plan on winning that bet, thou most of the time the odds are stacked against me.

Giving another person or company money just in case something bad happens to you is gambling.

ALL 3rd party payer systems, private insurance or government programs are the house, the odds are stacked in their favor.  They take your bet because they expect to keep your money.

You place your bet, only the house gets to set the odds and the anti (premium).

While making monthly installments on your bet, you go about your merry way hoping you never win that bet.

Only, deep down inside something is saying, “Dang, I sure am investing a lot of my hard earned money into this bet.  Too bad I can’t come up with some way to win that bet, without getting too sick, of course.”

You never say it out loud, but you know others are thinking the same thing by what they say and how some of them display thier winnings (illnesses) with pride.

Stop gambling with your health, take a responsible role in the upkeep of your body.  If you have questions, please comment on this blog, or set an appointment.  I now have a 30 day intensive fountain youth program. The first few people that have gone through it (including me) have made miraculous progress in recovering the energy and spirit of our youth.

DrD