Our Mission:
To safeguard the healthcare &
finances of families like yours
To safeguard the healthcare & finances of families like yours
With no price control or price transparency the health insurance industry has become a game, rigged to line the pockets of bureaucrats.
Behind the scenes of the US Healthcare system...
Across the U.S. there are wonderful and amazing healthcare professionals committed to their profession of caring for you. Unfortunately, behind the scenes, there are industry and government stakeholders who are undermining and exploiting the entire healthcare system for their own financial gain.
Insurance companies get huge discounts on hyper-inflated prices, while the average individual with no group insurance is charged an unregulated price and then sued and bankrupted when they cannot pay their medical bill.
the game
The U.S. Healthcare System is not broken.
It’s setup exactly the way the government wants it.
Step 1:
Tax Control
1943 Politicians enact IRS code allowing employers’ contributions to group health insurance policies to be exempt from taxation. 1954 Politicians enact IRS code taxing Individual health insurance policies. Tax benefit is now denied to you and given to employers.
Step 2: government
healthcare is born
Politicians pass the 1965 Medicare and Medicaid Bill and take away the financial responsibility for healthcare decisions of the elderly and poor… providing them UNLIMITED “free” healthcare with ZERO restriction on price.
Step 3: government
introduces price control
Politicians introduce managed care by restricting reimbursements.
In 1971 Congress passes law to limit payments to physicians and hospitals under the Relative Value Resource Based System (RVRBS).
In 1971 Congress passes law to limit payments to physicians and hospitals under the Relative Value Resource Based System (RVRBS).
Step 4: government
partners with business
Politicians pass the 1973 HMO Act that allows a FEDERAL GOVERNMENT program to promote and encourage participation in privately owned HMOs.
Step 5: one-size-fits-all insurance
Politicians give insurance companies, in essence, a “subsidy” with additional preferential tax treatment by allowing insurance companies to write ONE policy for THOUSANDS of people instead of one policy per person.
Step 6:
denied coverage begins
HMO’s require you to pay for a long list of routine benefits, whether the services are needed or wanted. HMOs are now “managing care,” withholding access to dollars and services through definitions of “medical necessity.” HMOs can keep millions of dollars from premium-paying patients. (Denying you coverage even though you paid your premium.)
Step 7: employers
forced to offer HMOs
Congress passes law forcing employers with 25 or more employees to offer HMOs as an option--a law that remained in effect until 1995
Step 8:
system in full swing
Health care is now organized in large groups by companies that hold millions of patient records and control literally hundreds of millions of health-care dollars allowing unprecedented relationships to form between governments and health plans.
Step 9:
system expansion
Politicians pass the Affordable Care Act requiring EVERYONE to buy health insurance so that they can use your premium dollars to give away free health care, essentially expanding Medicaid.
final step:
The end game is socialized medicine. The government enacts legislative control over the entire healthcare system overpowering insurance companies and hospitals with absolute price control and healthcare rationing.
final step:
The end game is socialized medicine. The government enacts legislative control over the entire healthcare system overpowering insurance companies and hospitals with absolute price control and healthcare rationing.