The Uncertainty Tax

Insurance rates are going up next year.  Why?  Uncertainty.  It turns out that this is the next excuse for double digit rate increases.  Wouldn’t you like to have a double digit raises EVERY YEAR?  Just tell your boss you don’t know what your expenses will be and you need this guarantee.  The excuses are irrelevant.  The NY Times articles cites both Obamacare as the cause well as stating the “insurers are being quite explicit about citing the Trump administration’s hostile policy messages as a substantial reason for the higher prices.”  No hedging there.  I guess they were uncertain. All of it is bogus.  See my past posts.  The insurers are raking in profits. You can see their shares on Wall St. continue to climb.  Don’t believe any of their BS.  That being said, I just thought it would be fun to point out this new buzz term.

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Douglas Farrago MD

Douglas Farrago MD is a full-time practicing family doc in Forest, Va. He started Forest Direct Primary Care where he takes no insurance and bills patients a monthly fee. He is board certified in the specialty of Family Practice. He is the inventor of a product called the Knee Saver which is currently in the Baseball Hall of Fame. The Knee Saver and its knock-offs are worn by many major league baseball catchers. He is also the inventor of the CryoHelmet used by athletes for head injuries as well as migraine sufferers. Dr. Farrago is the author of four books, two of which are the top two most popular DPC books. From 2001 – 2011, Dr. Farrago was the editor and creator of the Placebo Journal which ran for 10 full years. Described as the Mad Magazine for doctors, he and the Placebo Journal were featured in the Washington Post, US News and World Report, the AP, and the NY Times. Dr. Farrago is also the editor of the blog Authentic Medicine which was born out of concern about where the direction of healthcare is heading and the belief that the wrong people are in charge. This blog has been going daily for more than 15 years Article about Dr. Farrago in Doximity Email Dr. Farrago – [email protected] 

  7 comments for “The Uncertainty Tax

  1. Bill Ameen MD
    August 14, 2017 at 12:20 pm

    It’s like paying the Mafia not to break your store windows. My wife, with controlled HTN, hyperlipidemia, and HRT, has to pay BC/BS $1,100/month for 15 more months until she hits Medicare eligibility (my Blue Medicare D is $64.40/month). She sees her doctor(s) once a year each and hasn’t been hospitalized in other 20 years. But I worry that if we dropped her coverage before November 2018 something would happen to her medically and we could be wiped out. Only when insurance companies all start losing money will this nation advance toward a single-payer plan, for better or worse. (Probably worse, since we’re such a nation of babies and whiners.)

  2. Perry
    August 14, 2017 at 9:53 am

    Insurance is also contributing to the downfall of private practice. Last week my wife got a letter from our insurance company telling her it was time for her “check up”, despite the fact that she has seen our primary care doc twice in the last 3 months for medication adjustments, and the insurance denied payment to the doc on the second visit.
    The letter goes on to say that the insurance company will be happy to schedule your check up at a local retail clinic, AND give you a $100 gift card for making that appointment.
    So, they refuse to pay for follow up care, encourage visits with retail providers instead of a dedicated primary care doc, and they give you an extra $100.

    • RSW
      August 14, 2017 at 12:31 pm


      And the AAFP tells us that these insurers want to work with us and recognize our value and pay us fairly for what we do.

      Who is the insurer?

      • Perry
        August 14, 2017 at 2:02 pm

        Anthem Blue Cross.
        We’re going to fax a copy to our doc, so she can see how she’s getting f***ed.

    • Doug Farrago
      August 14, 2017 at 2:22 pm

      can you email me a scan of that letter?

      • Perry
        August 14, 2017 at 8:01 pm

        Happy to. How do I get it to you?

        • Perry
          August 14, 2017 at 8:07 pm

          Nevermind, sent .


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