NHC PREMIUMS. ALL PREMIUMS ARE BASED ON INCOME THE PERCENT IN THESE CALCULATIONS IS 14%. OVER 65 PREMIUMS. The Premium for customers over 65 years in age will be 14 % of their ADJUSTED GROSS INCOME up to $500,000 and 4% for anything over - PowerPoint PPT Presentation
NHC PREMIUMSALL PREMIUMS ARE BASED ON INCOMETHE PERCENT IN THESE CALCULATIONS IS 14%
OVER 65 PREMIUMSThe Premium for customers over 65 years in age will be 14% of their ADJUSTED GROSS INCOME up to $500,000 and 4% for anything overSocial Security will make the first premium payment from the monthly payments.If the adjusted gross income does not exceed the annual Social Security payment, then the customer will not owe any more.If the adjusted gross income is greater, then the difference between the Social Security payment and $500,000, will be paid with income taxes at 14% of the differenceIf the adjusted income is greater than $500,000, the amount in excess of $500,000 will be paid with income taxes at 4% of the additional income
UNDER 65 YEARS OF AGEThe premium for customers under 65 years of age will be 3.5% (1/4 of 14%) of their income from employers up to a cap of adjusted gross income of $500,000Any adjusted income that is not from an employerwill be at 14% of the adjusted gross income up to $500,000 and paid with the income taxesAll adjusted gross income in excess of $500,000 will be paid with income taxes at 4% of the additional income.
CO-PAYSCustomers will pay a co-pay of the listed price at the time of purchasing a service.Co-pays will not apply to:Outpatient hospitalHome healthInpatient hospitalSkilled nursingProvider administered drugsThere will be NO DEDUCTIBLES, only co-pays
CO-PAYS BASED ON ANNUAL INCOMEINCOMERANGE% OF PRICEUNDER $5,0001%$5,000TO$9,9992%$10,000TO$14,9993%$15,000TO$19,9994%$20,000TO$24,9995%$25,000TO$29,9996%$30,000TO$34,9997%$35,000TO$39,9998%$40,000TO$44,9999%ALL OVER$45,00010%
CO-PAYS-EMERGENCY ROOMBECAUSE THE COST OF GOING TO THE ER (EMERGENCY ROOM) IS THE MOST COSTLY CARE.THERE WILL BE A CO-PAY OF $250 FOR VISITING THE ER.
IF IT IS TRULY AN EMERGENCY, SUCH AS A BROKEN ARM, HEART ATTACK, AND OTHERS SIMILARLY SEVERE THERE WILL BE NO CO-PAY REQUIRED
NO ABORTIONSAbortions shall not be covered under this Plan Unless the mothers life is in jeopardyRape or IncestCarrying a child for Adoption will be FULLY covered
11PRICES FOR SERVICESALL Providers shall POST their PRICES for the SERVICES they can provide, and in addition provide a printed price list to the customer at the time of receiving service(s)These will be the prices approved by NHCThese are, also, the prices that the co-pay(s) will apply to.The provider may treat more than one problem, if there are more than one, at an appointmentMedicare currently does NOT permit this.. MORE APPOINTMENMTS
PRICES FOR SERVICESWE ARE CUSTOMERSWhen we buy a loaf of bread or a gallon of gasoline, we know the price before we make the purchaseLike wise the provider will, also, know and will make an invoice for only one price. NOT THE FUNNY PRICES THEY NOW HAVE TO USE.WHICH THEN ARE MASSAGED TO FINALLY GET TO WHAT THEY WILL RECEIVE.THIS WILL REDUCE THE COST OF BILLIN G
NHC RATESBeginning January 1, 2013 Physician rates shall be the EXISTING RATES in effect as of December, 2012 AND.PRIMARY CARE will be increased by 10% BEGINING JANUARY 1, 2013ALL OTHER PHYSICIANS will be increased by 5% BEGINNING JANUARY 1, 2013
EDUCATION FUNDThe NHC will have an EDUCATION FUND to provide for reimbursement of 50% of the cost to obtain the necessary education to practice as a Primary Care Physician, a Physicians Assistant, a Registered Nurse, or a Nurse Practitioner.
16TORT REFORMTORT REFORM IS WHAT CONGRESS,And the LOBBYISTS HAVE BEEN DANCING AROUND FOR YEARS
AND STILL HAVE NOT ADDRESSED
17TORT REFORMA tort is a Legal WrongMalpractice law suits costs Health Care in US between $100 and $178 Billion per yearLess than 2% of patients who are negligently injured file a lawsuitOf lawsuits filed, ONE OF EVERY THREE DOES NOT INVOLVE ANY MEDICAL ERRORIf a lawsuit is filed, almost 1 in 6 victims receive NO compensation1 in 10 meritless lawsuits result in a compensation award
18TORT REFORM - THIS PLANProvides for attorneys to file two types of lawsuitsOne with a cap on an award of $250,000The other has NO cap on an awardIf a court finds that there was no malpractice, the attorney filing the lawsuit shall pay the defendants: 5 times the costs of the defendants and their attorneys under the first option15 times the costs under the second option25 times the costs, if a jury determines that the lawsuit was harassment
19TORT REFORM THIS PLANThis Plan protects the right of any one injured to seek compensationAt the same time it discourages filing just to be filing for dollars
Attorneys need to make sure they have all of THEIR DUCKS IN ORDER, and then look again to make sure THEY ARE ALL DUCKS, before they file a lawsuit.
20UNNECESSARY TESTSIT HAS BEEN ESTIMATED THATUNNECESSARY TESTS COSTS THE ECONOMY$210 BILLION PER YEARTORT REFORM WILL ASSIST IN REDUCING THISTHE PLAN ALSO HAS A PROVISION FOR COORDINATORS TO TRACK THE REFERRAL OF PATIENTSIF A GROUP OF PROVIDERS SHOWS A HISTORY OF REFERING TO EACH OTHERTHEY WILL BE REFERRED TO THE STATE BOARD OF REGISTRATION OF DOCTORS
21DRUG COMPANIESDrug companies shall sell their products IN the UNITED STATES for the SAME PRICES they sell the products OUTSIDE the U.S.
Consumers may purchase drugs from OUTSIDE the U.S.
Drug Manufacturers shall not attempt to, or actually pay a generic manufacturer not to enter the market, so the Drug Manufacturers can preserve their monopolies
22GENERIC DRUGSSEVENOUT OF TENPRESCRIPTIONS WRITTENARE GENERIC
23GENERIC DRUGSAll generic drugs shall be purchased and paid for by the customerExcept for customers with incomes Of $5,000, per year or less They will pay nothing PLAN WILLAt four dollar generics, the cost to bill the Plan would probably be equal to the $4 cost of the generic
24BRAND NAME DRUGS The customer will pay a percent of the price (CO-PAY) and the Plan will pay the balance
A customer may purchase a Brand Name instead of the generic, but will pay the FULL Brand Name Price.
The plan will NOT pay for it
25PAID OUT OF POCKETThe following shall be paid out of pocket, as GENERIC DRUGS ARE:1.Contraceptives/Birth Control EXCEPT any BIRTH CONTROL methodology available shall be paid for by the PLAN, if the Mothers Life may be threatened by a PREGNANCY 2.Viagra, Cialis or other drugs or methodology of this type
LOVE IS WHAT HEALTH CARE IS ALL ABOUT