Direct Pay or Concierge Medicine Will Work

Remember the post from a coupla weeks ago about why Obamacare is not the answer, but direct pay or concierge is? Well, here is another example of a doctor who is using direct pay for his practice here in Georgia. That article is from the Gwinnett Daily Post.

It CAN happen, people. If we just leave this shitty, broken system AS IS and allow doctors to get paid directly, more and more doctors WILL want to get paid directly. Fuck having to spend three hours a day filling out paperwork for insurance. Doctors are tired of being driven by the insurance companies. If we allow them to make a choice, I promise MANY will choose to stop taking insurance all together.

If you demand it, if you ask your current doctor if she’d like to be paid directly, it will send a message.

NO MORE INSURANCE SLAVERY! DEMAND THAT YOUR DOCTOR PRACTICE MEDICINE NOT FILL OUT PAPERWORK! PAY YOUR DOCTOR FOR HER TIME AND GET BETTER CARE! TELL INSURANCE COMPANIES AND THEIR WASHINGTON LAPDOGS TO SUCK IT!

2013, You’d Best Shape UP!

So far, 2013 is not impressing me. Granted, The DJ Incident™ was not the most glamourous way to start the year, but we’re on day three and I am not a happy camper. My shoulder is aching and the rest of my joints are crunchy. I’m not sleeping well. Ugh.

BUT I did come across an interesting site today via one of my Twitter buddies (of course): founderdating.com. It’s a sort of think tank for entrepreneurial types. I’m trying to apply, but I can’t see a way around their stupid LinkedIn login. I deleted my Linked In account due to constant spam. I don’t like Linked In and never have. Nonetheless, I’ve sent an email asking if I can apply without Linked In, so we’ll see.

2013 is a 6 year, so for me, that makes it an 8. This is what I found about that:
“Personal Year 8. . . . Attainment and capital gains

This is a number 8 personal year for you. This is your power year, a period when you can make important strides in you life. Coming after a very slow and introspective period (the personal year 7), you may start feeling some stirrings of ambitions. This is a year of big decisions and major achievements. Activity is your keynote now, and you will find yourself very much involved and occupied. Opportunities for advancement and recognition for past and current work is likely to come about during this year. You have things going for you so long as you take advantage and act. It is easy for you to branch out and expand in a businesslike manner. If you are at all inclined, this is the time to exude self-confidence and authority, because others will tend to be receptive to your leadership and control. Your power and status potential is at a peak of the nine years personal epicycle that concludes at the end of the next year.”

Sounds pretty good for me. (These are from astrology-numerology.com, btw.)

For Nick, he’s got a not so great for finances/business number 3 year:
“Personal Year 3. . . .Social expansion & creative successes

This is a number 3 personal year. This is a social, happy year, and it generally tends to exude bright and cheerful vibrations. This is a year when you will want to check up on old friends and broaden your social circle to include some new ones. Romance and love affairs may bloom. You are inclined to live life to its fullest now, even if you have to pay the consequences later on. You are likely to be more sociable and the bridle of responsibility will seem to be loosened a bit. You are inclined to scatter your energies and undertake too many things at the same time. You can safely take some time off to enjoy yourself, but resist the temptation to completely give in to having a good time; keep your goals in mind. A 3 personal year is a good time to expand personal creative talents, particularly those related to the arts and verbal skills. Recognition in this regard is likely this year.

While this can be a happy year as far as personal expression and activities are concerned, it may be a disastrous year on the business scene. A generally frivolous attitude in that environment can cause rash decisions and impractical, unfinished schemes. This is not likely to be a very good year for your finances, and it is fortunate that the next year is designed to compensate these effects.”

I’m hoping that our typical opposites balancing act will still be in effect. Otherwise, this whole year could really SUCK. I am choosing to read his as getting a great new job that recognises his skills at managing people and his creativity. :)

So, whatever you have in store 2013, we’re as ready as we’ll ever be. ::cracks neck:: Bring it.

Almost there!

Welp, we made it through both the Mayan Apocalypse and Christmas! Woo! All that’s left is to drink out 2012 and bring on 2013. It’s gonna be a very strenuous year, but I believe a very good year for us. Time to start anew. Get rid of the old. Turn our sedate, comfortable lives inside out.

Yah.

Should be good.

I think I’ll lose a parent in 2013. My bets are on Dad. Simply because June is meaner and too stubborn to go. They are both in sad shape. I’m sure it’ll be after we move. Just to keep things interesting.

I’m in purge mode, so I’ll be cleaning out shit IRL as well as online. Time to cull the Twitter list and the FB list. Mostly Twitter, since I have lots of ATL related crap on there. Gonna get rid of a ton of newsletters, too. You know you’ve got too many when you toss half of them before you even read them.

Guess that’s it for end of year. We are redoubling our efforts to lose weight. We have got to be physically able to make this move! Can’t do it when we are this rotund. The drinking and smoking have to go as well. Ugh. It’s definitely a WATCH THIS kind of experiment. Heh.

I hope everyone has a safe, warm and happy New Year. Here’s to BIG CHANGES!

Be gone 2012!

This year is ending on a shitty note. We need more money in savings for the move – and spending over $800 on the Nutsville trip isn’t helping. My family is falling apart and I can’t do anything about it.

Ugh.

I generally do not like the end of the year, what with all the holiday crap and stress. This year is no different, other than 10x more stress and soooooo much pressure coming up in 2013. I just have to keep chanting: it’ll all be worth it, it’ll all be worth it… ad nauseam.

I hope everyone has a great Christmas or whatever you celebrate. We will be hunkered down with the cats.

Everyone remember to run outside on Dec 22 and yell: “The Doctor did it! He saved us!”. Or, yanno, NOT if the Mayans are right. ;)

Why Obamacare is NOT the Answer

Look, I think everyone deserves to see a physician when they are sick, regardless of their economic status. I’m not saying fuck the poor. Far from it. Hell WE don’t have insurance per se. We have AFLAC and a dental/vision discount plan. But there are some very real consequences of Obamacare that no one is addressing, right OR left.

First and foremost: this healthcare tax will crush small businesses. It’s not some crazed right wing conspiracy theory, it is a FACT. Companies with 50 or more employees must raise prices (A LOT), layoff employees, cut everyone to part time (less than 30 hrs/wk) or at the very least freeze hiring. Think of all the small businesses you patronise. Think about that family owned restaurant chain with a couple of locations. THOSE are the businesses facing bankruptcy or harsh measures to stay afloat. Go read this article from the New York Post, Nov 17, 2012. I’ll wait. Does that clarify it for you?

Many companies will likely choose to pay the penalty instead, which is still expensive — $2,000 per worker multiplied by the entire workforce, after subtracting the statutory exemption for the first 30 workers. For a 50-person company, then, the tax would be $40,000, or $2,000 times 20.

That might not seem like a lot, but for many small businesses that could be the difference between survival and failure. – Michael Tanner, NYPost, 11.17.12

All the dumbasses bitching at John Schnatter (Papa John’s) for his plans to adjust for this tax, saying “well, I’ll pay 10¢ more per pizza!”, are just being reactionary and not seeing the full picture. Sure, raising prices will be one part of the adjustments, but so will cutting employee hours and/or layoffs. The liberals screaming “BOYCOTT” to companies who have publicly stated their plans to add surcharges and cut hours are clearly missing the point. This WILL happen across the board. Just like raising the minimum wage causes price increases across the board, so will Obamacare.

But it’s not the higher prices that we should worry about. It’s the ripple of layoffs, hiring freezes, cut hours and small business closures we should be worried about. You don’t think small business matters? Read this. I’ll wait. This particularly sticks out:

The latest figures show that small businesses create 75 percent of the net new jobs in our economy. -SBA Report

Obamacare will push this country’s fragile economy even further towards collapse. This tax will rot our economy from the inside out. It’s a very bad idea. The restaurant industry will be particularly hard hit. And this is the industry I want to go into, so, yah, it’s important to me.

So, what to do? I propose we do nothing – other than STOP Obamacare. Of course, it’s too late for that. Obama’s raison d’etre is to be remembered as the President Who Gave Everyone Healthcare. Fuck everything else, this is his goal. Fuck the economy, fuck the small businesses, fuck the people who will be laid off or have their hours cut. Fuck all of it, he wants his place in history.

If we could stop Obamacare, then what have we lost? NOTHING. Everything remains as fucked up as it is.

Well, you ask, how is that helping? I’ll tell you: concierge doctors. That is the fancy name given to doctors who don’t take insurance, just cold hard cash. Some offer monthly fees, sort of like a retainer, others just charge you for whatever service you need. They are often not cheap like this 82 year old Illinois doctor that charges $5, but paying $500 for a treatment or even $5000 for a surgery beats the shit out of your $12,000/yr insurance payments with a $5000 deductible. Look at the numbers! Even if you pay only $6000/yr w/ a $2500 deductible, it is still cheaper to PAY CASH. But no one will have cash because we’ll all be paying for coverage we don’t necessarily want with Obamacare.

In one fell swoop, our chance of eventually having a real choice of who we want to take care of us and another small business model is demolished.

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