Don’t Let ‘Surprise Medical Billing’ Pave The Way For ‘Medicare for All’

Daily Caller The list of problems caused or made worse by Obamacare continues to lengthen; higher health insurance premiums and loss of options for consumers top many of the lists of such ills compiled by health care experts. One of the lesser known problematic consequences of the former president’s prime legacy, however, has been thrust into both public policy and budget debates in this election year: “Surprise Medical Billing.”A “Surprise Medical Billing” is a charge for a medical procedure performed on a patient by a physician or other health care provider who happens not to be a member of the provider network covered by the patient’s insurance policy (in other words, the doctor is “out of network”). These medical procedures often are related to emergencies, in which the patient requires care but in circumstances in which he or she has no control over who actually performs the medical services. Because the physician is not “in-network” with the patient’s insurance plan, the fees for services are not covered by the insurance company, and the patient receives a bill — sometimes a very hefty bill that was not anticipated (hence, “surprise”).At its core, the problem of surprise medical billings results from the manner by which insurance companies define the “network” of health care facilities and providers which they will cover for individuals who are members of their plans.  This necessarily directs individuals covered by a company’s plan to use the facilities and providers that are “in network,” so that the insurer pays for such charges (at rates they negotiated), and not the individual consumer. Such insurance gerrymandering is not really a...

Licensing The American Dream

Townhall.com Having recently tackled the scourge of “assault” weapons in the Commonwealth, Virginia Democrats now have set their sights on the looming major public health threat of unlicensed art therapy. Citing the risks posed by “toxic chemicals” in paint and glue, by scissors “which have sharp edges capable of causing cuts or punctures,” and with objects like clay that can be dangerous “if thrown,” Democrats are stepping up to correct what surely was an oversight by our Founding Fathers who failed to  envision such dangerous implements in the hands of unlicensed civilians (consider the danger to have one’s skin punctured by a newly-sharpened quill pen!). As ridiculous as licensing art therapists may sound, it is par for the course in Nanny State legislatures across the nation; often regardless of whether controlled by Democrats or Republicans. Take, for instance, that Louisiana requires a license for arranging flowers. Oh, and do not worry about being grifted by “fraudulent” fortune tellers – they’re licensed in several states, including Florida, Massachusetts, and Maryland. Even blow-drying hair requires more than 1,000 hours of training and potentially $20,000 in education and fees, before gaining the government’s stamp of approval. But who are government bureaucrats really protecting with these insane requirements? Many of the trades regulated under occupational licensing are low-wage positions, with little risk to participants or customers. Is there actually rampant fraud and public safety concerns within these fields necessary to making the barriers to entry so prohibitive? Or, are such licensing requirements being pushed by trade groups (as was the case in Virginia) to protect their businesses from increased competition; with regulation-hungry legislators happy to be seen as the saviors of...

Bloomberg’s Ideological Fluidity Will Outlast Sanders’ Stubbornness

The Daily Caller It has been less than four years, but how many voters in 2020 could name more than two or three of the 17 Republican candidates who filled the early 2016 debate stage with now-President Donald Trump? For that matter, how many Democrat voters could rattle off the names of even half the two dozen men and women who lined up on stages just last year, jostling for speaking time to set them apart from the few who now remain viable candidates for their party’s nomination?While we occasionally still see Democratic California Rep. Eric Swallwell gracing the airwaves, many of his less telegenic colleagues who were among the original Democrat retinue are all but forgotten — other than perhaps as the answer to a sports bar trivia question.Occasionally, of course, there is the self-inflicted gaffe by a candidate that sinks their nascent primary campaign like a well-aimed torpedo. Who can forget Texas Gov. Rick Perry’s “oops” moment when he forgot the third cabinet-level post he had promised to dismantle if elected?By and large, political debates during Republican and Democrat primaries tend to serve as a useful process in winnowing the field of early contenders (which have been growing for both major parties in recent cycles); sometimes with results few would have predicted early in the process.For example, the manner by which candidate Trump serially eviscerated each of his GOP rivals during the primary debates in 2016, was little foreseen by the vast majority of Republican leaders, observers and even veteran pollsters. This cycle, it is likely that most Democrat Party operatives would not have concluded almost one...