Urgent care, emergency care and health care without the outrageous cost

I am in health sharing plan that allowed me to see a doctor via a phone ($40) after I emailed picture of my skin issues and got the prescription with 50% discount ($90) emailed and called in to Rite Aid. This saves me time and money. I pay $200 per month for my premium.

Urgent care and emergency care costs are different per county but in the bay area the prices are similar to the ones listed below.

Email motherhealth@gmail.com to save on your health insurance costs and also to save on your senior home care costs. Text 408-854-1883

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Healthcare company to increase user satisfaction and reduce costs

Amazon, the world’s ubiquitous online store, revealed today it is collaborating with Warren Buffet, who heads Berkshire Hathaway, and the bank JPMorgan Chase to build an independent, nonprofit healthcare company with the goal of increasing user satisfaction and reducing costs.

The first order of business, the partners announced, is focusing on technology solutions that will provide U.S. employees and their families simplified, high-quality and transparent healthcare at a reasonable cost. They plan to draw on their combined capabilities and resources to take a fresh approach.

“The ballooning costs of healthcare act as a hungry tapeworm on the American economy,” Buffett said in a statement. “Our group does not come to this problem with answers. But we also do not accept it as inevitable.”

Amazon CEO Jeff Bezos added that the partners are entering into the challenge aware that it will be difficult.

“Hard as it might be, reducing healthcare’s burden on the economy while improving outcomes for employees and their families would be worth the effort,” Bezos said in a statement. “Success is going to require talented experts, a beginner’s mind, and a long-term orientation.”

JPMorgan Chase CEO Jamie Dimon added that people want transparency and more control over their own healthcare and the partners intend to work toward that for their own employees initially and potentially for all Americans.

Trends in medical health insurance, costs and expenses by state

Employer-sponsored insurance (ESI) is the primary source of health insurance coverage for individuals under age 65

This chartbook uses data for private-sector establishments in the Medical Expenditure Panel Survey-Insurance Component (MEPS-IC) to describe trends in employer coverage, premiums, and benefits from 2003 to 2016.

Medical Expenditure Panel Survey Insurance Component 2016 Chartbook. Rockville, MD:
Agency for Healthcare Research and Quality; September 2017. AHRQ Publication No. 17-0034-EF. https://meps.ahrq.gov/mepsweb/data_files/publications/cb21/cb21.pdf.

The MEPS-IC is an annual survey of private employers and State and local governments and is designed to be representative of all 50 States and the District of Columbia. The large sample size (about 42,000 establishments), combined with a response rate of 67.6 percent in 2016, permits analyses of variations in ESI by firm size and across States that are not readily available from other sources.

Examining trends by firm size and across States is important because of variation in insurance markets along these dimensions. Insurance markets differ by firm size due to smaller firms’ more limited ability to pool risk and their higher administrative costs compared with larger firms. State variation in ESI markets may reflect differences in employment patterns, health care prices, and utilization, as well as differences in State approaches to regulating private insurance and
administering Medicaid.

The period presented in the chartbook, 2003 to 2016, shows trends through a period of change in national health policy that could have affected national ESI trends, as well as trends by firm size.

Starting in 2014, most people were required to either obtain health insurance or make an
individual shared responsibility payment. The employer shared responsibility provisions began to take effect for employers with 100 or more full-time-equivalent employees in 2015 and for employers with 50 or more employees in 2016.


Coinsurance Rates for Physician Office Visits

From 2003 to 2016, the percentage of enrolled employees in plans with coinsurance rates increased from 19.5 percent to 34.9 percent. There were significant year-to-year increases in the percentage of enrolled employees with a coinsurance rate from 2005 to 2006 and from 2009 to 2010 and then each year from 2011 to 2015 (Exhibit 5.7).

The percentage of enrolled employees in a health insurance plan that had a coinsurance rate for physician office visits did not change significantly from 2015 (35.0 percent) to 2016 (34.9 percent) (Exhibit 5.7).

Enrolled employees in large firms (100 or more employees) were more likely to have plans with coinsurance rates than enrolled employees in smaller firms in all years from 2003 to 2016. In 2016, 38.9 percent of enrollees in firms with 100 or more employees had
coinsurance rates compared with 20.6 percent and 21.5 percent in firms with fewer than 50 employees and with 50 to 99 employees, respectively (Exhibit 5.7).

Between 2003 and 2016, the percentage of enrolled employees in health plans with a
coinsurance rate increased for all enrollees, regardless of firm size. However, the increase was more pronounced among enrolled employees in firms with 100 or more employees (17.9 percentage points) than in smaller firms (5.4 and 6.9 percentage point increases at firms with fewer than 50 employees and with 50 to 99 employees, respectively) (Exhibit 5.7).

Among enrolled employees in plans with physician office visit coinsurance rates, average coinsurance rates increased from 18.0 percent in 2003 to 20.5 percent in 2016 (Exhibit 5.8).

Average coinsurance rates rose from 20.1 percent in 2015 to 20.5 percent in 2016, an
increase of 0.4 percentage points. This increase followed increases of 0.6 percentage points from 2013 to 2014 and 0.3 percentage points from 2014 to 2015 (p <0.10) (Exhibit 5.8).

From 2013 to 2014, average coinsurance rates for enrolled employees at firms with 100 or more employees increased from 18.8 to 19.5 percent, but there was no significant change in smaller firms. In contrast, from 2014 to 2015, average coinsurance rates for enrolled employees at firms with fewer than 50 employees increased from 21.5 to 22.6 percent, while there was no significant change at larger employers.

Click to access cb21.pdf

Independent physicians and care organizations in one telehealth app at Motherhealth

All health care providers, individuals with sole practice or those working in a care organization/group practice/hospitals/other institutions can now be found in the health concierge mobile application at Motherhealth , powered by mindbodyonline. This mobile app will be launched this August 1,2017 to start in the bay area cities first.

Email motherhealth@gmail.com your contact info , location, email, specialty, skype ID and availability including pricing ($100 per 15min consult, etc) for 15 min consult (in person, online, or via a video like skype).

This direct to health consumer business model aims to target all healthy and unhealthy population to help reduce chronic care costs. Those without health insurance are also served.

Both health consumers and health care professionals should have a gmail email account. For health care professionals, it is best to have a separate unique cell phone and number for your clients.

You can now meet and talk to a doctor for $100 for 15 minutes even without a health insurance. And get whole blood panel tests and other diagnostics from Life Extension to prevent any chronic health issues in the future.

Bay area health consumers needing caregivers for their homebound seniors can now use the app to call for a caregiver from Motherhealth to receive a response within 24 hours. Independent bayarea caregivers and caregiver home care agencies are welcome to join as independent contractors of Motherhealth with 10% profit sharing and only takes 10% of your earnings.

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