Sunday, November 16, 2008
Double barreled refrigerated proctoscope sign
(Increased rectal tone that occurs suddenly if you are about to have a rectal exam with al doube barreled refrigerated proctoscope or if you get both your latest managed care contract quotes on the same day your get the quotes for you and your employees health insurance). Our health insurance plan for our employees is coming up for renewal. To keep the plan the same, with a $35 deductable for office visits, $2500/5000 individual/family max out of pocket and 80/20 coverage we will have to pay an increase of 27%. If you look at our utilization, no one in our practice has even used up to their max out of pocket. The only way we can keep it the same $562/month per employee is to have the employees pay the difference and then we go up to $5000/$9000 max out of pocket and no script card. We can try for HSAs but up till now non have wanted it.
On top of this, all our managed care carriers are quoting us on the average of 20 to 30% less on their fee scales. Most are take it or leave it. It is hard to negotiate with them because Pete Stark made it illegal for us to talk to other physicans and groups to come to some solidarity. At least CMS (Medicare) threw us a bone. A 2% increase if we E-precribe. This is like adding the discount KY for the double barreled proctoscope.