NPR Breaks Down Obamacare’s Effect on Insurance Rates

NPR published an article reviewing introductory rates on policies offered through state-run insurance exchanges. The report examined 36 different states. So what’s the verdict? A resounding “it depends.” In Oklahoma, premiums are going for as low as $96/month. Meanwhile, in Wisconsin, the lowest rate on a bronze plan is well over $300. The reporter echoed our direct care mantra, saying, “Competition equals lower prices.” They explained how in regions with only one insurance company selling through the subsidized exchange, the average monthly premium for a 21-year-old buying the lowest cost bronze policy is $186, before any subsidies are applied. However, in regions with 10 or more rival carriers, the average cost is $132 or less.

How will Obamacare’s varying premium rates affect direct care practices?

Actually, there are two wins happening. If you’re a doctor looking to move to open a cash-only clinic, you’ll bode well in regions with only one insurance plan offered through the exchange. Lower competition tends towards higher insurance rates, meaning that wrap-around plans and your direct care offering can add tremendous value. Secondly, in areas with fewer insurance plans offered on the exchange, there is another effect: increased premiums for existing subscribers. In this case, because of the lack of competition, and the fact that Obamacare is forcing insurance companies to expand their offerings, rates might reach an exorbitant level for the subscriber. This is another patient who would benefit greatly from switching to a wrap around plan (remember, Obamacare means that insurance plans can’t raise their rates for pre-existing conditions) and enrolling in your direct care clinic.

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Direct Care is Not the End of Empathy

If you’re currently running an insurance-based fee-for-service primary care facility, and planning to switch to direct care, you should read this op/ed from the Wall Street Journal. Jerald Winakur practiced internal and geriatric medicine for 36 years and is a clinical professor of medicine at the University of Texas Health Science Center at San Antonio. His cousin Irene, a 90-year-old woman living in Queens, was recently notified that her internist was joining the concierge medicine ranks.

Winakur’s thoughts are less than enthusiastic about profit-focused decision making. But, they actually don’t contradict our own belief in Atlas MD-style of direct care. Why is that? Because concierge medicine is not the same as direct care. According to Winakur:

“What Irene learned was that her internist was converting her fee-for-service office into a ‘concierge practice.’ For a yearly retainer of $2,200 (in addition to the usual charges that would still be billed through Medicare and supplemental insurance), Irene would receive “value-added” services. These include same-day appointments, electronic access to her medical records and lab reports, shortened waiting times, and other ‘frills’ that Irene said her doctor always provided anyway.”

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Preserving Doctors Means Preserving the Patient-Doctor Relationship

David Bornstein is making a career of empowering, thought-provoking articles on the emotional state of healthcare. In his New York Times op/ed “Medicine’s Search for Meaning” he advocates that as the patient-doctor relationship vanishes, so too will the doctors. He says, “Medicine is facing a crisis, but it’s not just about money; it’s about meaning.” Adding that, “As administrative and documentation burdens have exploded in the past three decades, doctors find themselves under pressure to work as quickly as possible. Many have found that what is sacrificed is the very thing that gives meaning to the whole undertaking: the patient-doctor relationship.”

Bornstein’s piece is powerful, weighing in on the manner with which we doctors handle grief. In his opinion, med school is where the doctor burnout is first felt. Students are pushed to absurd extremes–losing sleep, and being trained to approach medicine in a distant, compassion-less manner, even reprimanded if they break down and cry in the presence of a patient. So is it okay to cry in the presence of a patient? You have to decide for yourself. However, reprimanding a student for doing so is pure Vulcan, cold. But, according to Bernstein, almost half of medical students get burned out during their education. He claims that, “medical education has been characterized as an abusive and neglectful family system.” It places unrealistic expectations on students.

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Direct Care & Doctor Shortages Are Related, But Not How You’d Think

David Bornstein recently reported on doctor burnout, something we’ve been following over the last few years. This concern isn’t falling on deaf ears, instead half of the nation’s medical schools are reacting, by including a course called The Healer’s Art (this course was created by physician Rachel Naomi Remen, and according to Bornstein, helps “doctors and students discover and reconnect to the deep meaning of their work and maintain their commitment for it.”) His article caused a commotion on the Web, with hundreds of readers — patients, medical students, doctors and spouses and children of doctors among them — expressing their personal experiences. After we reviewed a host of comments, we noticed something missing in the conversation: direct care…

We’re all running out of time
One reader from New York writes, “I am a primary care doctor who started idealistic, and am disillusioned and dejected. By far, the biggest barrier to being a compassionate healer in our current working environment is time. We simply don’t have the time we need to do our jobs well. And we all lose.”

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Posted by: AtlasMD

October 7, 2013

Hold On To Your Highbrow Hats: Rand, Rock, Greek Gods and Direct Care…

We came across an academic paper highlighting attention paid to Rand in the works of contemporary scholars and intellectuals. Prog Rock (especially Rush songs penned by Neil Peart, drummer extraordinaire), Greek Gods (Dionysus and Apollo specifically), and Randian libertarianism intersect in this curious research from NYU.

It might seem off topic, but this paper stirred up thought on our end — how do we rectify a healthcare system comprised of people? Yes, people — doctors, patients, providers, pharmacists, politicians, insurance agents, the whole lot of parties all wrapped up in one complex machination. Given that we know most problems are people oriented, and that our industry ensures the health and longevity of people, it seems like we’re in for a perpetual rollercoaster ride. On one hand, we consistently talk data and numbers, especially money, and how bureaucracy misallocates it. This is a more Apollonian argument, one based in reason and logic. We support direct care because we want services to be rendered more efficiently. It’s easier to pay us $600 for a year’s worth of unlimited service than it is for people to pay an insurance agent for a premium with copays and deductibles so that they can find a doctor within their network who will hand their insurance information over to a third party biller who will go back to the original insurance company to request a payment in part that will then go back to the provider who also has to bill the patient for a copay that varies depending on their deductible…

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Should You Run An In-House Pharmacy?

Should You Run An In-House Pharmacy?

We recently received a query about the practicality of prescribing and filling prescriptions for your own direct care patients. Here’s why we do it, and why we encourage other doctors to as well.

46 states allow this type of operation.

Scratch the “Oh, it’s only allowed in Kansas” off your list of reasons not to give patients affordable meds. Currently, 92% of state governments are fine with doctors who prescribe the meds being the ones who provide them. (question, which states don’t allow it? We should add it if possible.)

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Posted by: AtlasMD

October 3, 2013

EMRs Now Omnipresent, Along With Affiliated Stress…

Electronic medical records are being adopted at an all-time high. Now 409,839 eligible professionals and providers are getting “federal incentive payments” (i.e. kickbacks from Uncle Sam) for adopting or using an EMR system.

A recent study was published in the Journal of the American Medical Informatics Association that examines the effect of EMR omnipresence. Specifically they were curious what the machines do to working conditions and how they affect stress, satisfaction and burnout among primary care physicians.

How was the study conducted?

The survey results came from 379 physicians dealing with various EMRs in 92 clinics spanning New York, Chicago, Milwaukee, Madison, Wis., and even some rural areas in Wisconsin. The docs took a survey and reported on four aspects:

  1. Time pressure felt during patient encounters
  2. Perceived control over workplace issues
  3. Job satisfaction
  4. Job burnout

Afterwards, the clinic managers also marked which of 15 common features or functionalities were present in their EMR. From there, the clinics were grouped into three categories:

  1. Those having the majority of the 15 most common features (50% of the sample clinics)
  2. Those with a moderate amount (24%)
  3. Those with a low number of common features (26%)

What were the results?

Researchers compared the physicians’ responses to the clinic’s functionality classification (high, medium or low). Physicians at clinics with moderate-function EMRs experienced significantly more stress than physicians at clinics with low-function EMRs. The medium functioning EMR group had a higher rate of burnout. And here was a weird result: the physicians who operated the high- and medium-functioning EMRs felt less satisfied with their current position overall.

Okay, but what does this mean?

According to lead researcher Stewart Babbott, MD, of the University of Kansas Medical Center in Kansas City, the mid-functioning group having high stress might suggest that these clinics were transitioning. He went on to say, “Our finding that physician-reported stress was highest in the moderate-use group ‘made sense’ for those practices in which some of the functions were on paper and some in the electronic record or for those without a fully functioning EMR.” Fair enough, we’ve said it, too:

“A shoddy EMR is no doctor’s friend; it’s like having a friend you have to explain everything twice to.” – @AtlasMD (Click to Tweet)

And here’s our favorite part. Remember how we’ve been talking about all those boxes that need clicking? The ones that generally don’t do anything? The results showed a significant relationship between time pressure and physician stress in the group with high-functioning EMRs. It was only in this group, too. This suggests that physicians may be particularly pressured for time during patient encounters in the face of a large number of EMR functions. “This ‘made sense’ to us in thinking about the possibility that those in the high-use group had more to do in the EMR,” says Dr. Babbott.

Please, keep in mind that this study suggests CORRELATION and NOT CAUSATION. Dr. Babbott stressed this after the study, saying that further studies are needed to determine the precise relationships.

“Further study is needed to focus on those efforts which can be most specifically related to EMR use,” he says. “If the moderate-use group’s higher stress is due to that practice being in transition between a paper-based system and an EMR, then this work supports stress being an issue to address during that transition. Similarly, if the high-use group’s stress is related to more functions and requirements for each patient’s care, then addressing processes of care and care team support could be of benefit.” (We included this last quote if only to showcase how political this researcher is. We’d recommend better EMRs, too, but that’s just us.)

Unfortunately, there was no mention of Meaningful Use in the study. Strange, right? This is the same legislation demanding more features in the EMR, and incentivizing doctors to implement them. Of course, our perspective outside of the red tape is different than docs still operating within it. But if you ask us, a machine that stresses us out at work, is a machine we’d be happy to get rid of.

Posted by: AtlasMD

October 3, 2013

Stream Dr. Josh’s Recent Radio Appearance On Hannity

If you were tuned in to Hannity’s radio program yesterday you might have heard Dr. Josh talking about direct care. The entire taping includes dialogue with Pat Buchanan, Dr. and Congressman Phil Roe, and Congressman Louis Gohmert. Dr. Josh was given the floor to fully outline why direct care MAKES SENSE. Anyone questioning the business side of running a “cash-only” clinic should pay close attention here. Josh takes a solid ten minutes to explain almost EVERY benefit that this model brings to healthcare, including the doctors enjoying their work, the patients receiving improved treatment, and insurance companies finding that direct care patients are at lower risk for chronic conditions (which allows for lower premiums which in turn can attract more subscribers.)

Want to Help Direct Care? Share this Video.

* Our apologies, if the video fails to load you can watch it on FoxNews.com

In case you missed it, Dr. Josh was invited to speak on Fox News’ Your World. It makes a great companion to Doug’s appearance on Huckabee earlier this year.

It’s challenging to get your message across in one TV segment. However, this is a great place to start spreading the idea of direct care. Friends, family, colleagues, etc. are most likely frustrated with the current way they are receiving or administering healthcare, whether it be the pressure of paying monthly premiums, frustrations with finding docs within their network, the inevitable waits that are attached to any interaction, or traditional docs creating 3 minutes of admin work for every minute they treat patients.

If you think someone could benefit from direct care (patient or doctor) tweet this video. If they have questions, be prepared to address them.

Here are a few points that weren’t directly addressed in the video:
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Vermont Internists Are An Endangered Species

Vermont Internists Are An Endangered Species

A press release announced Dr. Alicia Cunningham’s new infographic. It visually explains the “quiet exodus” of internal medicine doctors from the State of Vermont. She’s convinced the doc shortage is a quiet pandemic, caused by two diverging forces — an aging population, and declining education. What’s happening is that older internists are going to retire at 65, or retire early, or just get out of the speciality altogether. On top of that, students are not majoring in internal medicine because it pays less than sub-specialties, and does not gain respect amongst peers. And, Vermont is the 4th oldest country in the nation, with a median age of 41. That means the demand for internists will grow somewhat exponentially.

CHECK OUT DR. ALICIA CUNNINGHAM’S INFOGRAPHIC HERE

However, Dr. Cunningham believes that a direct care/concierge medicine approach could help alleviate the doctor shortage. For one, a direct care practice introduces the element of autonomy, the absence of which has been propagating the brain drain in our country. On top of that, the possibility of higher salary is promising, too.

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