What are Accountable Care Organizations and why should Americans care?

Macrobius

Megaphoron
If you are like me, you have never heard what an ACO is. I was comparing various healthcare plans since November is not only a month for not fapping, but in America, it is also when we have 'open enrollment' in healthcare plans for the next year. In the heat of research, I got passed this Reddit link[1] with a comment about 'Bridgespan'... some Utah health insurance company which was the low bidder for three I was comparing (against Blue Cross 'Primera' and Blue Shield 'Regence' -- two top of the line companies, though a bit old school):

I think BridgeSpan is an arms length company that Regence BCBS set up for ACO plans, to avoid paying claims and tarnishing their own reputation. BCBS MN did the same with BluePlus, and overseas reps.

Interdasting... but what is an ACO? [2]

[1]:

[2]: Next Stop: https://www.ncoa.org/article/acos-what-you-need-to-know

OK -- so it's a way to Jew doctors into charging less, shylocking shylock as it were, and the insurance companies like this but the doctors don't (so it is probably less accepted as 'networks' go). That part is easy -- but what exactly is the scam?

Well, a bit of research shows it has to do with Medicare.

tl;dr The FedGov has some sort of ESG sort of thing going that amount to do-gooding mixed with cost savings (a Yankee fave) ... and they kick back part of the 'savings' (in other words, they bribe institutions) for the Social Virtue participation to 'ACOs' that play ball with the social virtue programme and screwing the elderly. The elderly are complicit though because the WORKING ELDERLY (a thing in your 60s and 70s here) *love* lower insurance costs too.

Deep dive: by cooperating on the provider end with 'cost containment for medicare', there's a kick back from FedGov that can be shared by the provider and insurance company. But of course not every Jew doctor wants to play ball and get less monies, so likely they say 'fuck no' to insurance companies... thus the split-brain approach Regeance and likely other tony insurance companies use... they set up *another* choice that will have fewer 'in network' providers, treat the elderly a bit worse, collect a luscious bribe, but not 'tarnish' the name brand.

What is your local ACH/ACO up to? Well they have annual reports describing how socially virtuous they are:


Look hard to see where they describe they work with FedGov to contain Medicaid/Medicare costs and piss doctors off, in return for a bit of brand-name tarnishing, less acceptability, and a healthy kickback from FedGov.

What do I think you should do? If you are under 65 you probably don't care. You have better ways to save money than buying a plan that lowers your cost by containing Medicare expenses at the facilities -- and if you don't, you likely don't care. It will come down to whether the healthcare providers you want will take the cheaper plan.

If you *are* of Medicare age, your choices are likely driven by what you can afford. Older people should likely buy all the healthcare benefits they can, because they are likely to need them. Consequently, you want to avoid an ACO plan if you can afford it, but will get what ever you can get if it is all you can afford.

Wizard. Now you know too.
 
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