#medicare explained

[moviesnote]

The 5 Best Medicare Advantage Plans For 2024

5 Best Medicare Advantage Plans: Medicare Advantage plans, also known as Medicare Part C, are popular options for individuals looking for comprehensive coverage beyond what Original Medicare provides. These plans are offered by private insurance companies approved by Medicare and often include additional benefits such as prescription drug coverage, and dental, vision, and hearing services. 5…

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#best medicare advantage plans #medicare #medicare advantage #medicare advantage cons #medicare advantage plan #medicare advantage plans #medicare advantage plans 2023 #medicare advantage plans explained #medicare advantage plans pros and cons #medicare advantage vs medicare supplement #medicare advantage vs medigap #medicare explained #medicare plans #medicare supplement #medicare supplement plans #medigap vs medicare advantage #what is medicare advantage

[lifeandinsurances]

5 Best Medicare Part D Insurance Companies

#medicare part d #medicare supplement #medicare supplemental insurance #medicare #medicare advantage #medicare part c #medicare part d plans #medicare insurance #medicare drug plan #medicare part d donut hole #medicare drug coverage #medicare part d enrollment #medicare advantage plans #medicare supplement plan #medicare supplement insurance #medicare part d explained #medicare drug plans #medicare part a #medicare part b #medicare explained

[regenexx]

Medicare Patient? Watch This Why You Will Owe Money Back If Medicare Pays For "Stem Cell" Injections

Welcome to the "Regenexx". Are you a Medicare Patient? Then watch this video. Throughout this video, you will know about why you will owe money back if medicare pays for amniotic or umbilical cord "Stem Cell" injections.

Hey, it's Dr. Centeno and we have a lot of clinics out there advertising that they can get medicare to pay for the amniotic and umbilical cord and quote stem cell injections, and this is a video about why if you go that route you're going to end up owing a lot of money back.

So some clinics again are claiming that they can get medicare and other insurance companies to cover these in quote stem cell procedures. Now if you've watched other videos I have you know that multiple labs have tested these products and found no stem cells. But the bigger question here is whether or not you're going to end up owing a bunch of money if you go down this road. So number one - Is this true that medicare will actually cover these things? and the answer is "No". We've looked at all the different medicare guidelines for all the different medicare regions and there is no coverage for orthopedic or pain injections for these tissues. Now medicare may pay some of these claims in error.

So what's going to happen when a medicare RAC contractor reimbursement contractor discovers this error the doctor is going to get a nasty gram letter from medicare.

In that certified letter, it's going to say something like this:

"We reviewed your charts, we found that Medicare overpaid you by hundreds of / thousands of dollars, and you owe that money back to us. You can appeal but if you lose by the way you're going to end up in federal prison. So we will expect that check in the next 90 days thank you very much and have a nice day.

So where does this money come from the doctors got to come up with a lot of money very very quickly? The answer is "You". Because you will have signed a contract with the doctor that if medicare another insurance company doesn't cover something you're responsible for it.

How much money are we talking about here? Well, the doctor gets paid about four thousand dollars per joint for the reimbursement of the tissue. So that means if you had four areas injected you owe the doctor sixteen thousand dollars.

So again just a big warning here "Please don't set yourself up for a huge future bill". Medicare doesn't really cover these tissues for use in orthopedic and pain injections. They are expensive and medicare will want this money back from the doctor. So that money at the end of the day is coming from you.

We offer a unique approach to treating orthopedic injuries non-surgically based on over fifteen years of research and experience.

Regenexx is a provider network doing procedural-based care. We pioneered the use of orthopedic bone marrow concentrate to treat common orthopedic conditions to help people avoid surgery using cells from their own bodies.

Our Address: 6151 Thornton Avenue, Suite 400, Des Moines, IA 50321

#stem cells #medicare #stem cell treatments #amniotic #umbilical cord #umbilical cord stem cells #regenerative medicine #medicare patient #stem cell injections #medicine #stem cell #stem cells explained #do stem cells work #medicare explained #understanding medicare #what does medicare cover #medicare insurance #how does medicare work #medicare application #explain medicare #stem cell treatment #health care #orthopedics #treatment #owe money back #Youtube

[girlfriendsofthegalaxy]

helping

#turbotax bungled my return so badly i had to find and upload everything to H&R Block so #a real person could do it for a second opinion #my unemployment per week got increased which is good but i still have not been paid :) #phil #i also have to shop for health insurance today bc i cannot #figure out Medicare/medicaid in Texas #which is complicated by the fact i do not have unemployment in texas just ma #i also need to open a local bank acct and get that shit figured out bc i have a money order in tk #desk for the wrong amt when i originally rented this place #and that could help pay rent this month #but that requires going to a bank and explaining in person i don’t have any idea what im doing #having a really terrible mental health time on top #of that #also my phone is acting up #many tribulations and woes and maladies #yeehawing; gunshots

[bunabi]

keep me in your thoughts as I search for a dentist outside my network today and prepare to spend my meager savings on these cavity fillings 🥲

#idk why republicans complain about medicare because it covers literally nothing and no reputable doc accepts it ??? #the place i visited yesterday was insane....ive never had a doctor not introduce themselves and not explain the procedures they were doing #also she had some kinda strong alcohol on her gloves and it burned my upper lip and when I 'complained' she brushed it off

[lunod]

Why did they discontinue your drug plan? Are you still on Medicare?

Turning this into a Medicare Explanation Thing since a lot of people don't know, feel free to save this if you/someone you know is waiting on SSI/SSDI case or thinking about it. Medicare comes in 5 separate parts because why not make disabled people jump through a bunch of complex unnecessary stuff.

Part A is hospital, covering specifically hospital bills not regular outpatient appointments. Part B is medical insurance which is your primary Dr and everything outpatient. When you get on disability they will give you Part A and/or Part B. If you have both they call it Original Medicare. Original Medicare also only covers 80% of the cost of everything, you have to pay 20% out of pocket and they don't have a limit meaning there's not a point where you stop paying the 20%. Oh and Original Medicare doesn't cover vision, dental, or hearing.

Part D is prescription drug coverage. They usually do not immediately put you on this because it costs extra, but also if you fail to sign up for it and then sign up several months after getting Medicare you will be penalized with an extra cost for the rest of the time that you have Medicare (yay!). Part D is not directly through the govt, it's private insurances like United Healthcare that are contracted with the govt. If you only have Original Medicare, none of your meds are covered and you have to pay full price.

Part C is also called Medicare Advantage, it is optional where you get Part A, B, and D all bundled together but you do this through private insurers like UHC and BCBS. Some of them do not charge a premium but some of them do, which is important because you would be paying for Original Medicare and then also potentially paying another premium for Part C. There is also the downside that Medicare is accepted by a LOT of places, but if you do Medicare Advantage you have to go through drs that that insurer covers. That may/may not be an issue depending on where you live. Upside is it may cost less (because they often have limits on how much you pay before they cover 100%) or cover more things than Medicare.

Last one is Medigap which is a separate plan (that you also pay for and get penalized if you don't sign up in time) that helps pay for your deductible. The Original Medicare deductible is $200-something for 2023 meaning you have to pay that amount before Medicare even bothers covering 80%.

So for my specific circumstance, I still have Original Medicare and there's no issue with my govt disability payments either. I was auto-enrolled for Part D because I qualified for Extra Help (basically I am Extra Poor), but for some reason UHC gave me drug insurance for a state I don't live in. I called to correct it and they told me it was fine and they would just switch me to the correct state, except the contractor actually just cancelled the plan entirely without telling me that's what they were doing and also without signing me up for a new plan. Which I found out when I went to pick up from the pharmacy. If I did not qualify for Extra Help, which has Special Enrollment Periods, I would have had to go 4 months without drug insurance until Open Enrollment in October...I just lucked out so instead of waiting til Oct I only have to wait til next month.

#disability pride month #cripple punk #cripplepunk #medicare #disability #this is the bare bones of it too...not even talking about dual wielding Medicare/Medicaid #they send you basically a D&D player's handbook sized 'pamphlet' explaining it all #ask #anonymous

[6ebe]

Not Biden trying to allow Medicare to negotiate the amount it pays for drugs (they’re the largest drug purchaser in the world) and then Johnson & Johnson suing the us gov over it 😭😭

#and no one is surprised #it’s the way that Medicare can’t negotiTe prices is actually ANTI capitalistic like . LOL #it’s not even capitalism ruining big pharma it’s whatever this nonsense is #sorry this is so badly explained my dad works in the industry I know far too much abt all this #anyway this is like a HUGE deal that the gov are even trying to do that bc WHEW #the pillar of the whole global healthcare market there kinda

[orcelito]

Puttin a lil check mark in my back problem like Dealt With ✅

Now I just have my shoulder pains (which I've had for like 7 years now lol), the rib pains (which I've had for like 2 and a half years, give or take), and the possible fibromyalgia

Lmfao

One win is still progress

#speculation nation #like it's not 100% gone but it no longer hurts for general range of motion #and i can manage general upkeep on my own from now on #i realized that my shoulders problem could probably be solved with physical therapy. or at least made better #in which case i'd want to go back to this place. theyve been very nice to me #but i think my ribs thing is a bit more pressing lol. i used up all my old meds for it in the past few months to manage it #so for a time it wasnt as bad. but ive run out of the meds and it's definitely flaring again #doesnt hurt for general existence (most of the time) but basically my whole sternum hurts to touch lol #& the rib popping is always disconcerting. even if it makes my ribs feel better in the moment. #this at least is smth that should be solvable with inflammation drugs. much lower effort. #i just need to set up the appointment. #and also apply for medicare... im aging out of my dad's insurance next year (not this year as i'd previously feared lol) #so we'll see for the shoulders. ribs should be easier. i just need to set up the appointment. #should be easiest to go thru the school's medical stuff. much less wait time. #i just need to call lol bc the online portal Uhhh doesnt actually have an option for this lol #siiiince this is apparently an uncommon issue. gotta love it. #the possible fibro is probably later on my list just bc . idk it's just not a priority. #it's speculation to explain the general fatigue sensitivity to temperature and frequent aches #+ this rib problem is apparently common within fibro lol #also the fact that my mom has it and it's definitely hereditary 🤔🤔🤔🤔 #lmao hope u guys love hearing about my medical problems bc i sure am sharing #honestly as someone who was essentially on mental illness tumblr in my teens it's kinda wild that the physical is much more of a problem #spent so long trying to deal with the hellhole of my mind. and ive healed i guess #so NOW it's dealing with the bullshit of the body. which is certainly not fun to deal with either lmao #definitely glad to have graduated pt for my back tho. AND i got out early enough i can go home and eat #very glad.... i wasnt looking forward to 6 hours of work without eating after pt........

[thoughtportal]

Opinion Here’s how to get free Paxlovid as many times as you need it

When the public health emergency around covid-19 ended, vaccines and treatments became commercial products, meaning companies could charge for them as they do other pharmaceuticals. Paxlovid, the highly effective antiviral pill that can prevent covid from becoming severe, now has a list price of nearly $1,400 for a five-day treatment course.

Thanks to an innovative agreement between the Biden administration and the drug’s manufacturer, Pfizer, Americans can still access the medication free or at very low cost through a program called Paxcess. The problem is that too few people — including pharmacists — are aware of it.

I learned of Paxcess only after readers wrote that pharmacies were charging them hundreds of dollars — or even the full list price — to fill their Paxlovid prescription. This shouldn’t be happening. A representative from Pfizer, which runs the program, explained to me that patients on Medicare and Medicaid or who are uninsured should get free Paxlovid. They need to sign up by going to paxlovid.iassist.com or by calling 877-219-7225. “We wanted to make enrollment as easy and as quick as possible,” the representative said.

Indeed, the process is straightforward. I clicked through the web form myself, and there are only three sets of information required. Patients first enter their name, date of birth and address. They then input their prescriber’s name and address and select their insurance type.

All this should take less than five minutes and can be done at home or at the pharmacy. A physician or pharmacist can fill it out on behalf of the patient, too. Importantly, this form does not ask for medical history, proof of a positive coronavirus test, income verification, citizenship status or other potentially sensitive and time-consuming information.

But there is one key requirement people need to be aware of: Patients must have a prescription for Paxlovid to start the enrollment process. It is not possible to pre-enroll. (Though, in a sense, people on Medicare or Medicaid are already pre-enrolled.)

Once the questionnaire is complete, the website generates a voucher within seconds. People can print it or email it themselves, and then they can exchange it for a free course of Paxlovid at most pharmacies.

Pfizer’s representative tells me that more than 57,000 pharmacies are contracted to participate in this program, including major chain drugstores such as CVS and Walgreens and large retail chains such as Walmart, Kroger and Costco. For those unable to go in person, a mail-order option is available, too.

The program works a little differently for patients with commercial insurance. Some insurance plans already cover Paxlovid without a co-pay. Anyone who is told there will be a charge should sign up for Paxcess, which would further bring down their co-pay and might even cover the entire cost.

Several readers have attested that Paxcess’s process was fast and seamless. I was also glad to learn that there is basically no limit to the number of times someone could use it. A person who contracts the coronavirus three times in a year could access Paxlovid free or at low cost each time.

Unfortunately, readers informed me of one major glitch: Though the Paxcess voucher is honored when presented, some pharmacies are not offering the program proactively. As a result, many patients are still being charged high co-pays even if they could have gotten the medication at no cost.

This is incredibly frustrating. However, after interviewing multiple people involved in the process, including representatives of major pharmacy chains and Biden administration officials, I believe everyone is sincere in trying to make things right. As we saw in the early days of the coronavirus vaccine rollout, it’s hard to get a new program off the ground. Policies that look good on paper run into multiple barriers during implementation.

Those involved are actively identifying and addressing these problems. For instance, a Walgreens representative explained to me that in addition to educating pharmacists and pharmacy techs about the program, the company learned it also had to make system changes to account for a different workflow. Normally, when pharmacists process a prescription, they inform patients of the co-pay and dispense the medication. But with Paxlovid, the system needs to stop them if there is a co-pay, so they can prompt patients to sign up for Paxcess.

Here is where patients and consumers must take a proactive role. That might not feel fair; after all, if someone is ill, people expect that the system will work to help them. But that’s not our reality. While pharmacies work to fix their system glitches, patients need to be their own best advocates. That means signing up for Paxcess as soon as they receive a Paxlovid prescription and helping spread the word so that others can get the antiviral at little or no cost, too.

{source}

#article #washington post #Paxlovid #covid #pandemic #health

[oceanxveiined]

On one hand, there is stuff i might possibly have to retcon in her genshin verse. considering a voiceline.

On the other, I can still make it Work possibly-

#;mun has spoken #//Bc apparently Alhaitham has a line about how medicare And apparently food are free in Sumeru #//causes a couple probs in her backstory; but then again #//With her mom being the way she was; it could simply be a case of unreliable narration there #//With her growing up believing the things her mom said about others to keep her complacent; it can check out #//Though there are apparently also some npcs that still did have problems acquiring proper meals even with this; so... #//Idk; will leave as is #//Still works plenty as is; esp since we have one of said npc; who worked to get fame and secure their state of living #//She could do the same; and hold a lingering grudge over why no one ever told her anything/not knowing #(Not that she ever gave anyone the chance to explain; but she won't willingly admit own fault in that) #//So she'd resent her mother for that; father for leaving her in such a situation witht that woman #//Then later on grudge on the way the Akademiya's run things; and overall just live off Spite #//And trying to accumulate as much strength/knowledge as she can to ensure her own and her brother's wellbeing #//Bc ultimately; he biggest motivations trace back to him #//And her wants to Make Problems bc she finds it funny and lets her act on her resentment over her life in a Fun way for her #//Alhaitham's thoughts on the Sumeru situation could also him not realizing the state of living of some people tho... #//Esp since he's living it up on top in the Akademiya #//Idk; will see jfjfj #//A lot of her situation could have been avoided with so many little alternate choices she could have made #//Not that she would recognize that; part of her anger is that she Didn't and so takes the feeling out on those she's envious of #//Absolute dick move; but she doesn't care tp much about that #//It makes her feel better and that's what matters #//Idk; just having Thinkings

[rosielindy]

Call it out every single day!!! Find nice succinct ways of slapping people in the head to wake up and understand the real meaning of words. So many do not understand the consequences until it’s too late. Seems they’d rather participate in the hate, which comes so easily but leaves them empty and unable to reason.

Getting this type of message through to the masses is an important step to getting people to think more critically. We must get their attention and show them facts they cannot deflect before some part of their defense kicks in. Their subconscious will remember. They can’t unsee it, can’t unhear it.

#socialism #not what you think #liveyourtruth #no both ways #social security #medicare #us government #democracy #bottom up #middle out #raise water all boats will rise #wearethemajority #explain it to them #break the spell #wakeupfromthisnightmare #government services are not socialism #can we talk #truthbomb #speak now or forever hold your peace #fight for democracy

[robertreich]

Trump's Chaos Agenda 

Donald Trump wants you to be disgusted. He wants you to be cynical. And he definitely doesn’t want you to watch this video. Why? Because that’s how he wins in 2024. Let me explain.

The Republicans’ election strategy is built on chaos. The more chaos they create, the more pessimistic Americans feel about the capacities of our democracy to govern the nation. So we give up on democracy and turn to a so-called strongman.

Trump has been pushing his party to deny the 2020 election result, shut down the government, pardon insurrectionists, impeach President Biden, investigate Hunter Biden, stop funding Ukraine, and obstruct the criminal prosecutions Trump is facing. He’s stoking hatred, using fascist language by labeling his opponents “vermin” and claiming immigration is destroying the nation.  

Trump wants voters to believe America is ungovernable, and that the only solution is an authoritarian like him taking over.

And he wants those who don’t support him to be so disgusted that they tune out — and not even bother to vote.

Trump’s chaos agenda is also drowning out news about how well we’re actually being governed under President Biden.

Rarely do we hear about how the economy continues to generate a record number of new jobs. 

Not to mention billions of dollars being invested to fix the nation’s infrastructure and combat climate change. Medicare on the way to lowering the cost of prescription drugs. Billions in student debt canceled, in spite of rulings from the right-wing Supreme Court. Corporate monopolies attacked. Workers’ rights to organize, defended.

Trump and his allies don’t want you to know about any of this. And sadly the media plays along by focusing mostly on chaos and dysfunction, with an inclination to blame both sides in the name of “balanced coverage.”

Folks, the political struggle of our time is no longer Left versus Right, Democrats versus Republicans. It’s now democracy versus fascism.

Be warned. And help spread the word about Trump’s chaos agenda by sharing this video.

#youtube #politics #election #Donald Trump #Joe Biden #video #videos #chaos

[lifeandinsurances]

Your Medicare Coverage Guide for 2023

#medicare #medicare advantage #medicare coverage #medicare part d #medicare drug coverage #medicare supplement #medicare supplement plans #medicare explained #medicare basics #medicare supplemental insurance #medicare part a #medicare part b #medicare part c #medicare coverage guidelines #what does medicare cover #medicare dental coverage #medicare advantage plan #medicare advantage plans #medicare insurance #medicare made clear #medicare and employer coverage

[chrliekclly]

if you ever want to talk about your thoughts on joyce .. Peeks over the corner of your blog. i love talking and hearing ppls thoughts on joyce sooo much even if they're different from my own!! and your analysis and stuff is always so well thought out

i hope u dont mind if i answer this publicly to take advantage of th request nd get my ideas out ther (also tyvm im happy u like my insane takes on these idiots, iv ben thinking abt them for almost 10 years)

i said a lot here so gnna 'read more' it

iv ben building trans charlie n my head fr, like i said, nearly 10 years. i used to view him as cis bcuz i always try to take as much frm th source material as i can wen i craft my HCs nd i had v personal (stupid) hangups insofar as him explicitly referring to his junk multiple times nd bottom surgery simply not being on my radar as a naive littl trans idiot deep in th sauce tht transmen oftn fall into w phallo being viewed so so poorly

evn still i leaned towards transmasc charlie nd always lovd moments tht let me imagine, for a moment, it being true, like his discomfort w taking off his shirt [hundred dollar baby, charlie kelly: king of the rats, the gang exploits the mortgage crisis, young charlie and mac deleted scenes, etc etc etc], or bonnie yelling abt ppl stealing her "charlie-girl" [the waitress is getting married] which i lovd to see as her accidentally misgendering him while drunk off her ass.

having grown out of my phallo issues (nd if ur reading this and u still view phallo super poorly, please do some research and grow too), ive in recent years fully subscribed to transmasc/nb charlie, and view his timeline something like this:

baby -> elementary: charlie refers to himself as a boy, doesnt "come out," simply has no idea he's afab. bonnie lets him dress however he wants and refers to him as asked. when charlie gets confused about his genitals, bonnie says his dick will grow in later lol, makes charlie wear a dress in public restrooms and tells him its just a game

middle: puberty hits and charlie gets confused and scared. bonnie puts him on blockers w.o explaining them ("my mom used to vaccinate me like every month" [the gang gets quarantined]) charlie goes on content and oblivious. STP acquired because hes "a late bloomer" and his dicks still not growing in?? weird. confides this in mac once, but he doesn't understand.

high: charlie finally registers that he's trans after forgetting theres a health class 1 day and not being able to skip it. throws him for a loop a bit but he becomes actively invested in his goals. he gets to start T and wants to have surgeries. "what guy hasnt done some extensive research on his own genitalia?" [mac is a serial killer]

college (aged): able to surgically transition (ty medicare) and continues on with life as we kno him now

joyce, imo, fits neatly into these views.

as a transmasc nb who came out young nd prefers to be seen as just A Guy by strangers, i grew up v vehemently against anything girly that might get me misgendered, but th more i began to 'pass,' th more @ home n my body i felt, th more and more comfortable i am w femininity, th more i wdnt mind putting on a dress, as long as th general public wd see me as "a man in women's clothes." n my mind, i prescribe something not exactly th same but v similar to charlie.

i see charlie "i dont really identify" kelly as afab and nb. i see joyce as a "character" he originally created to distance himself from the dysphoria of putting on a dress as a young trans boy, but that became part of him as the hard lines he drew in the sand as a child became blurry with age and self acceptance. charlie's comfort with himself allows joyce to evolve into a more solid persona, one he enjoys embodying and allowing to become a permanent facet of who he is. he's ok with being referred to as either. they're both him.

so maybe joyce comes out a bit more outside of the bathroom now.

#ask #pariskim #charlie kelly #joyce kelly #ramblings #i hav lots of thoughts nd feelings nd smday ill draw out charlie's whole timeline th way iv ben meaning to #th same way charlie holds th gang togethr charlie holds my whole viewpoint of iasip togethr #i gave myself a headache writing this post i spent more time xplaining my years of tboy charlie thinking than joyce im sry lmao #but i do lov her

[starry-genome]

If you have ever wondered why health insurance in the US is so messed up, I highly recommend checking out Dr. Glaucomflecken’s 30 days of Healthcare series. Click here for the YouTube playlist or click here for the TikTok playlist.

Each video is about 1-3 minutes and goes through different aspects of the healthcare industry explaining how it works and especially how corrupt it is.

I spent 5 years working hospital finance watching the way health insurance directly affected my patients, and oftentimes seeing the ways lack of access to affordable healthcare resulted in chronic and emergent conditions, and even death. I cannot stress enough that I literally saw people die because their insurance denied them treatment. And on the billing side, the things people would complain about to me as something the doctors or hospital were doing wrong were usually a direct result of the way health insurance runs everything. It’s disgusting.

At the end of the series, he has a call to action - ways we (as regular people) can help work to improve healthcare (other than pushing for universal healthcare/Medicare for all). A lot of people talk about how ridiculous US Healthcare is but rarely do I see anyone talking about what we can do to change it. I think this is the most important video of all, so I’m including it here.

This video series is probably the most comprehensive, easiest to understand breakdown of the way healthcare fucks everyone over - patients, doctors, and hospitals alike. Please check it out!

#healthcare #health insurance #medical insurance #us health insurance #us health system #us healthcare #american healthcare #unitedhealthcare #anthem #Cigna #blue cross blue shield #aetna #optum health #medicare #medicaid #doctors #hospitals #medical corruption #healthcare corruption #legislation #healthcare reform #health #prior authorization #health and wellness #healthcare industry #private healthcare #private insurance #what else can I tag this as #signal boost #starrygenome.txt

[beardedmrbean]

Sen. Elizabeth Warren, D-Mass., "is at long last acknowledging that ObamaCare has increased healthcare prices" and created other unintentional consequences, the Wall Street Journal editorial board wrote Friday.

Warren, who has long supported the Affordable Care Act, the official name for ObamaCare, has recently come to an "epiphany" about "industry consolidation and price increases caused by the healthcare law," per The Journal.

A letter to the Health and Human Services Department inspector general was aimed at determining if "vertically-integrated health care companies are hiking prescription drug costs" and are "evading federal regulations."

In a bipartisan letter, she and Sen. Mike Braun, R-Ind., complained "that the nation’s largest health insurers are dodging ObamaCare’s medical loss ratio (MLR)," according to The Journal. 

As Warren describes in the letter, health insurers have exploited the situation, making for "sky-high prescription drug costs and excessive corporate profits."

"In functioning markets, generic drugs cost 80 to 85 percent less than their name-brand equivalents, giving patients much-needed relief from high drug costs and saving taxpayer dollars," Warren wrote. "But patients – including patients in public health care programs like Medicare and Medicaid – who either use or are compelled to use vertically integrated specialty pharmacies are not seeing this relief."

The senators continued: "By owning every link in the chain, a conglomerate like UnitedHealth Group – which includes an insurer, a PBM, a pharmacy, and physician practices – can send inflated medical payments to its pharmacy. Then, by realizing those payments on the pharmacy side – the side that charges for care – rather than the insurance side, the insurance line of business appears to be in compliance with MLR requirements, while keeping more money for itself." 

The Journal explained that despite Democrats arguing that the MLR would help patients, "the rule has spurred insurers to merge with or acquire pharmacy benefit managers (PBMs), retail and specialty pharmacies, and healthcare providers." 

"This has made healthcare spending less transparent since insurers can shift profits to their affiliates by increasing reimbursements," the board wrote. 

Warren has voted against ObamaCare repeal efforts over the years but also pushed for a "Medicare for All" proposal when she ran for president in 2020.

Warren's office and HHS did not immediately respond to a request for comment from Fox News Digital. 

#nunyas news #corporatism ruins so much