Legislation:

It's time for change

"Those who are crazy enough to think they can change the world usually do." - Steve Jobs

This website finds itself in the right place at the right time. America is divided, with a major 2024 political election on the horizon. Healthcare is a major issue. Pennsylvania is a battleground state. By demonstrating the outrageous behavior that is taking place at Independence Blue Cross, the company will become a focused lightening rod about what's wrong with health care. Each candidate needs to be evaluated on the following question: "How would you protect Joe the worker from companies like Independence Blue Cross?"

Proposed Legislation

The insulin EOB law: There are legitimate reasons to deny insulin. The insurance companies will be able to maintain their right to deny. However, any time there is a denial of insulin, the health insurance provider is required to print on the EOB that insulin is available over the counter. This is a simple measure that places no significant financial burden on the insurance companies, but is capable saving life and improving the quality thereof

Revamping of Section 1519(c) of the Pennsylvania Vehicle Code: The process is "blind". That's appropriate. It protects innocent people who are seeking to protect the public from retribution. However, the same concept protects perpetrators who would weaponize the system. Under the proposed system changes, the submitter of the complaint's information would be held confidently by the state. If it's later determined that the submission was nefarious, the state can then then use the submitter information to present criminal charges to a district attorney.

Outside auditing: A big problem here is that independence Blue Cross works autonomously. They are the judge, jury, and executioner of all things within their walls. With any complaint they receive, they have full and soul ability to address or deny at their discretion without consequences. They are able to act in a god like manner. Under proposed legislation, the consumer would be able to take their complaint to a third party assigned by the government. It's clearly a no-brainer that if you call a health insurance company, and then receive a fake driver's license suspension stating the dates that you called, that the insurance company is involved. It was physically possible for information to be communicated in any other way.

Health insurance must maintain insurance also: Per Dr Richard Snyder, of Independence Blue Cross, the company does not maintain any type of errors and emissions insurance. Under the proposed law, the insurance companies will be required to maintain an insurance such that if a major incident were to occur at their causing, the patient would be able to file a claim against the health insurance's insurance.

National Medical Card (NMC): Under thid proposal, when a patient is diagnosed with a life long illness such as heart disease or diabetes, the National Medical Card will ensure the patient has access to the drugs associated with the diagnosis. The patient will be able to present themselves to any pharmacy nationwide, and have the right to purchase the drugs regardless of whether they have health insurance or not via the permanent prescription encoded in the card.

Pandemic protection: The COVID-19 Coronavirus Pandemic has taught us that we need to work together. The virus did not ask anyone who was their insurance provider before it infected them. Therefore, it's a great disparity that some persons were able to get access to coronavirus resources such as vaccines, and treatment, and others weren't. Under the proposed law, if there is a significant contagion in the community, all health insurance providers will be REQUIRED to maintain a certain minimum set of behaviors. No one will be denied access to pandemic care simply because they are a financial burden to an insurance company.

Blind Diagnosis - This concept is borrowed from the e-Commerce industry, and is capable of protecting both the patient and the insurance company. in e-Commerce, many small mom and pop type businesses would like to sell on the Internet. However, accepting credit cards over the Internet is risky and dangerous due to ongoing and ever increasing cybercrime. This issue is resolved through merchant services. When the consumer goes to complete a transaction to one of these websites, they are seamlessly bounced from the vendor's website to the merchant services vendor. The merchant services vendor handles the credit card information, and then passes back a result to the vendor website as to whether the sale was successful or not. The vendor is protected because never can the consumer claim that the vendor had their credit card information, because in fact they never do have it. Likewise, in a blind diagnosis scenario, medical providers would submit diagnosis information directly to a government agency. The government agency will then pass a message to the insurance company such as Independence Blue Cross, as to whether the claim is payable or not. The patient would not be able to claim, as I do, that the insurance company weaponized the diagnosis information, because it's impossible as they never had it.

Pandemic protection: The COVID-19 Coronavirus Pandemic has taught us that we need to work together. The virus did not ask anyone who was their insurance provider before it infected them. Therefore, it's a great disparity that some persons were able to get access to coronavirus resources such as vaccines, and treatment, and others weren't. Under the proposed law, if there is a significant contagion in the community, all health insurance providers will be REQUIRED to maintain a certain minimum set of behaviors. No one will be denied access to pandemic care simply because they are a financial burden to an insurance company.

Freedom of Choice - Each region sets the insurance carriers permitted to operate in that region as even. When a new member joins an employer, the member can choose from any of the authorized carriers. The member must agree to accept plan for a period of 1 year. The allows the insurance carrier to predict their yearly financial revenue. At the end of the one year period, if the member is not satifisfied, they may commit to the next year at another health insurance carrier. Independence Blue Cross claims to be the number one health insurance provider in the region. This is because they have became very skilled at marketing to the brokers, and providing them resources to convert group plans to Blue Cross. By not having any choice in the workplace, Independence Blue Cross can remain confident that millions of workers are trapping into paying them for their services. If we simply chance the incentive from selling to Brokers and HR Managers to selling to workers, Indenpendence Blue Cross could still be the number one provider of health insurance. However, they would have to do so organically, by attracting more members that are satisifed with Blue Cross then the competitors.