Dr. Emily's Blog

Hi.  My name is Emily Dalton. I am a local pediatrician and  I have had the misfortune of dealing with the health insurance system from 3 different perspectives:   that of a patient who uses an insurance plan, that of a small business owner who purchases insurance for a group of employees, and that of a physician who contracts with and gets paid by various insurance companies.  Our system is profoundly dysfunctional, and we need to completely rethink how we deliver healthcare to the nation’s population.  Previously I spoke about my experiences as a patient and an employer.  Today I will share my opinion as a physician.   I have had no end of problems dealing with the 9 different insurance companies with which our office contracts.  After one of our doctors has seen a patient, we submit a claim to that patient’s insurance plan requesting payment.  Three full time employees work to make sure the claims we submit get paid correctly....

Hi.  my name is Emily Dalton, and I am a local pediatrician.  I have had the misfortune of dealing with the health insurance system from 3 different perspectives:  that of a patient who uses an insurance plan, that of a small business owner who purchases insurance for a group of employees, and that of a physician who contracts and gets paid by various insurance companies.  I am here to tell you that the system is broken, and that what is going on today in medicine is so dysfunctional that we need to completely rethink health care in our country.   Previously I spoke about some of my experiences as a patient, struggling to get medical expenses covered by my insurer.   Today I am going to talk about what I deal with as a small business owner who provides insurance for the 30-odd employees of my medical practice.   Over the past decade, our medical office dreads the arrival of each new year because the insurance plans offered previously are c...

Hi.  my name is Emily Dalton, and I am a local pediatrician.  I have had the unfortunate experience of dealing with the health insurance system from 3 different perspectives:   that of a patient who uses an insurance plan, that of a small business owner who purchases insurance for a group of employees, and that of a physician who contracts and gets paid by various insurance companies.  I am here to tell you that the system is broken.  What is going on today in medicine is so ineffective that we need to reinvent our nation’s healthcare system from the ground up. As a patient, I am tricked by the insurance plan I bought.  Even though the plan is called “HSA 2000”, the deductible for my family is actually $4000.  When we bought the plan we were told the insurance would cover 80% of the charges after the deductible, but after signing up that percentage was changed to 70%.   Despite the deception, I am stuck with this costly plan for t...

GODZILLA HAS RISEN:   THE INSURANCE INDUSTRY UNDER THE AFFORDABLE CARE ACT When inquired if Godzilla was "good or bad", producer Shogo Tomiyama likened it to a Shinto "God of Destruction" which lacks moral agency and cannot be held to human standards of good and evil. "He totally destroys everything and then there is a rebirth. Something new and fresh can begin.”  (Godzilla, Wikipedia)   Despite all the hopes many of us had for the Affordable Care Act, the current system of medical insurance is a twisted and dysfunctional nightmare.   I should know, because I am in the unique position of experiencing it from three perspectives simultaneously:  that of a patient who uses an insurance plan, that of a small business owner who purchases insurance for a group of employees, and that of a physician who contracts with and gets paid by insurance.   As a patient, I am tricked by the insurance plan I bought.  Even though the card says “HSA 2000”,...

PRESERVE POLIO SOCIETY Whenever one of my patients refuses vaccines for their child, I cringe.  Why turn down one of the best medical protections available?  Vaccines have prevented massive numbers of deaths and uncountable lives of anguish.  Refusing them makes as much sense as refusing clean water or sanitation systems.  For those of us with basic medical and scientific knowledge, this decision is incomprehensible.     However, for the average parent, vaccines may seem incomprehensible.  Medical science has advanced to the point where many people can’t understand how vaccines work, and don’t appreciate the benefits they have brought about.  Most parents don’t have a scientific education, so in decision-making they rely on the loudest voices that jive with their inner sense of values.  The collective memory of children in iron lungs or infants coughing themselves to death from pertussis is gone, so fear of disease has been remove...

WHAT TO DO WITH THE VACCINE REFUSERS? This month at our office we have been bandying about the thought of taking a stronger stance against parents who refuse to vaccinate their children.  In a recent article in the Daily Beast entitled “Pediatrician:  Vaccinate Your Kids-Or Get Out of My Office” Dr. Russell Sanders takes the hard line 1 .  He points out the tremendous health benefits that vaccines have engendered, the overwhelming evidence to support their safety, and the irrationality of declining one of the most beneficial medical treatments available.  He focuses on the issue of trust:  ..“for immunizations to be as malign as their detractors claim, my colleagues and I would have to be staggeringly incompetent, negligent or malicious to keep administering them” ...“as a parent myself I wouldn’t trust my children’s care to someone I secretly thought was a fool or a monster”.  He concludes by emphasizing that if parents can’t trust his medical advice o...

Premiere Access Every year in January we make new year’s resolutions.  We take a fresh look at what we are doing, and make a decision to do something better the next time round.  The Affordable Care Act (ACA) is our national resolution to improve health care, and this is the last year before it goes into effect. In this historic year, the way we  prepare for this change will affect its success and shape the future of medicine. While most of  the changes included in the ACA will dramatically improve our medical care system, a few of its aspects feel like the same old slide downhill.  Our medical office has been receiving letters from various insurance plans asking if we intend to participate in the products they will offer on the insurance exchange, the new “marketplace” for buying and selling insurance plans.  One company sent us an invitation to contract differently for each of their tiered products:  gold, silver and bronze.  Their plan was ...