Podcasts about KFF

As Republicans work to advance a massive bill containing much of President Trump’s domestic agenda, one of the central flashpoints is its potential cuts to Medicaid. Geoff Bennett discussed the impact on healthcare access for millions of lower-income Americans, the elderly and people with disabilities with Jennifer Tolbert, deputy director of the Program on Medicaid and the Uninsured at KFF. PBS News is supported by - https://www.pbs.org/newshour/about/funders

The Friday Five for May 16th, 2025: Dunkin' and Starbucks Summer 2025 Menus Viral Music Charts for Content Creation Potential Heart Benefit in Shingles Vaccine Possible Hints at ACA Subsidy Direction for 2026 AHIP 2026 Certification Dates   Dunkin' and Starbucks Summer 2025 Menus: “Dunkin' Summer Menu.” Dunkindonuts.Com, Dunkin', www.dunkindonuts.com/en/summer-menu. Accessed 13 May 2025. Fink, Bailey. “Starbucks Is Bringing Back Customers' ‘Favorite Drink Ever' This Summer.” Allrecipes.Com, Allrecipes, 17 Apr. 2025, www.allrecipes.com/starbucks-summer-menu-2025-11717043. Baker, Nicolette. “Starbucks' Summer Menu Just Dropped — Including a Brand-New Iced Beverage.” Foodandwine.Com, Food & Wine, 15 Apr. 2025, www.foodandwine.com/starbucks-summer-menu-2025-11715175.   Viral Music Charts for Content Creation: “100 Top Trending Songs on TikTok.” Tokchart.Com, Tokchart, tokchart.com/. Accessed 14 May 2025. Bowe, Tucker. “Apple Quietly Gave Your Iphone a Simple yet Fun New Feature.” Gearpatrol.Com, Gear Patrol, 12 May 2025, www.gearpatrol.com/tech/apple-music-shazam-viral-chart/.   “Shazam Viral Global Chart .” Shazam.Com, Shazam, www.shazam.com/charts/viral/world. Accessed 14 May 2025. “Spotify Viral 50 - Global.” Spotify.Com, Spotify, open.spotify.com/playlist/37i9dQZEVXbLiRSasKsNU9?si=4zvmJR7bQnajf6_StIGfuw. Accessed 14 May 2025. “Viral Chart on Apple Music.” Music.Apple.Com, Apple Music, music.apple.com/us/playlist/viral-chart/pl.b127c05305ad413fb742e8585599ec84. Accessed 14 May 2025.   Potential Heart Health Benefit in Shingles Vaccine: McLendon, Russell. “Shingles Vaccine Can Reduce Risk of Stroke And Heart Attack, Study Finds.” Sciencealert.Com, ScienceAlert, 12 May 2025, www.sciencealert.com/shingles-vaccine-can-reduce-risk-of-stroke-and-heart-attack-study-finds. Rudy, Melissa. “Shingles Vaccine Has Unexpected Effect on Heart Health.” Foxnews.Com, FOX News Network, 9 May 2025, www.foxnews.com/health/shingles-vaccine-has-unexpected-effect-heart-health. “Shingles Vaccine Lowers the Risk of Heart Disease for up to Eight Years.” Escardio.Org, European Society of Cardiology, 6 May 2025, www.escardio.org/The-ESC/Press-Office/Press-releases/shingles-vaccine-lowers-the-risk-of-heart-disease-for-up-to-eight-years. Griesser, Kameryn. “Shingles Vaccine Reduces Risk of Heart Disease by 23%, Study of One Million People Finds.” Cnn.Com, Cable News Network, 12 May 2025, www.cnn.com/2025/05/09/health/shingles-heart-disease-vaccine-shots-wellness.   Possible Hints at ACA Subsidy Direction for 2026: Tong, Noah. “CMS Hints at Possible Cost-Sharing Reduction Payments for Insurers, Impacting ACA Enrollment.” Fiercehealthcare.Com, Fierce Healthcare, 7 May 2025, www.fiercehealthcare.com/payers/cms-hints-possible-cost-sharing-reduction-payments-insurers-impacting-aca-enrollment. “Explaining Health Care Reform: Questions About Health Insurance Subsidies.” Kff.Org, KFF, 25 Oct. 2024, www.kff.org/affordable-care-act/issue-brief/explaining-health-care-reform-questions-about-health-insurance-subsidies/. “Offering of Off-Exchange-Only Plans without ‘CSR Loading.'” Cms.Gov, Centers for Medicare & Medicaid Services, 2 May 2025, www.cms.gov/files/document/offering-exchange-only-plans-without-csr-loading.pdf. “Plan Year 2026 Individual Market Rate Filing Instructions.” Cms.Gov, Centers for Medicare & Medicaid Services, 2 May 2025, www.cms.gov/files/document/py-26-individual-market-rate-filing-instructions.pdf.   AHIP 2026 Certification Dates: “AHIP Medicare + Fraud, Waste, and Abuse Online Course.” Ahipmedicaretraining.Com, AHIP, www.ahipmedicaretraining.com/page/login. Accessed 13 May 2025.   Resources:   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and YouTube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency. Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.

For more than 50 years, millions of federal dollars in Title X grants have funded clinics that offer free or discounted family planning services to mostly low-income Americans. In April, the Trump administration froze more than $65 million in grants, forcing some providers to shut their doors. Brittni Frederiksen, associate director for Women's Health Policy at KFF, joins Ali Rogin to discuss. PBS News is supported by - https://www.pbs.org/newshour/about/funders

For more than 50 years, millions of federal dollars in Title X grants have funded clinics that offer free or discounted family planning services to mostly low-income Americans. In April, the Trump administration froze more than $65 million in grants, forcing some providers to shut their doors. Brittni Frederiksen, associate director for Women's Health Policy at KFF, joins Ali Rogin to discuss. PBS News is supported by - https://www.pbs.org/newshour/about/funders

Dr. Jennifer Kates, SVP and Director, Global Health and HIV Policy Program, KFF, provides a tour d'horizon of how global health and health security look at day #98 of the Trump revolution. “The DOGE factor was not on my bingo card,” as it became the battering ram decimating institutions, programs, budgets and staff, far beyond what was environed in Project 2025. It went against what many Republicans favor—just look at the recent dismantling of the Millennium Challenge Corporation. The desire to vanquish likely emanates from the White House OMB. As the budget process, including recissions, advances, the power dynamic may shift to Congress. It may become possible to think about new ways to do foreign assistance. There will be no restoration of the status quo ante. It requires fresh thinking and clear principles, and most importantly, new forms of leadership. 

Oral health care for children is required in every state under Medicaid or the Children's Health Insurance Plan. But dental coverage for adults is optional. And while nearly every state provides some level of coverage for adults, what is covered and who is covered varies widely from state to state and even within states.Our first guest on this podcast is Ian Hedges, the director of Medicaid and Medicare program policy for the American Dental Association. Hedges explained how oral health care affects overall health and why different levels of coverage for adults under Medicaid can lead to higher costs later on for health complications that arise from neglected oral health issues. One study found that untreated oral health conditions can lead to health complications that cost the U.S. about $45 billion each year in lost productivity.Our other guests are Sen. Evan Vickers, a Republican of Utah, and Sen. Malcom Augustine, a Democrat from Maryland. Senators Vickers and Augustine explained how their states have approached broadening coverage for adults covered by Medicaid, the challenge in assembling a group of providers that will accept Medicaid reimbursement and some of the particular problems in providing care to those with low incomes and those living in rural areas.ResourcesMedicaid Adult Dental Benefits Are on the Move in 2024, CareQuestVariation in Use of Dental Services by Children and Adults Enrolled in Medicaid or CHIP, KFF

Robbyn Kistler, Senior Consultant in the Social Impact Media Program at KFF, tells us about recent syphilis videos that ASTHO, KFF, and CDC created; Theresa Arriola, discusses the importance of face-to-face interactions at ASTHO's Spring Leadership Forum; ASTHO has several tools that can help your team during National Child Abuse Prevention Month; and an ASTHO webinar on Thursday focuses on how to navigate AI-Enabled Community-Inclusive Preparedness. ASTHO Web Page: Syphilis Testing and Prevention Videos ASTHO Report: Adverse Childhood Experiences Prevention Policy Tool ASTHO Web Page: Actions to Build Capacity for ACEs Prevention  ASTHO Web Page: Adverse Childhood Experiences Capacity Assessment Tool Roadmap ASTHO Webinar: INSPIRE – Readiness – Navigating AI-Enabled Community-Inclusive Preparedness  

Springer Kalmar FF mer i år? Vinner man matcher för att man springer mest och längst? Hur ser det vardagliga arbetet ut för en performance coach i KFF? Och hur ligger det till med Calle G? Det och mycket mer när vi slog oss ner med Ludde!

Jody reviews the changes to healthcare policy made by the Trump administration so far.References:1) Grossi, G. et al. Health policy in flux: Trump administration updates. AJMC. Published online March 28, 2025. https://www.ajmc.com/view/health-policy-in-flux-trump-administration-updates2) Kates, J., Michaud, J., Moss, K., & Dawson, L. Overview of President Trump's executive actions on global health. KFF. Published online January 28, 2025. https://www.kff.org/global-health-policy/fact-sheet/overview-of-president-trumps-executive-actions-on-global-health/Whitehouse.gov fact sheets:https://www.whitehouse.gov/fact-sheets/2025/02/fact-sheet-president-donald-j-trump-establishes-the-make-america-healthy-again-commission/https://www.whitehouse.gov/fact-sheets/2025/02/fact-sheet-president-donald-j-trump-announces-actions-to-make-healthcare-prices-transparent/

Rural Health News is a weekly segment of Rural Health Today, a podcast by Hillsdale Hospital. News sources for this episode: Elizabeth Williams et. al, “Putting $880 Billion in Potential Federal Medicaid Cuts in Context of State Budgets and Coverage,” March 24, 2025, https://www.kff.org/medicaid/issue-brief/putting-880-billion-in-potential-federal-medicaid-cuts-in-context-of-state-budgets-and-coverage/; KFF. Allison Orris & Elizabeth Zhang, “Congressional Republicans Can't Cut Medicaid by Hundreds of Billions Without Hurting People,” March 17, 2025, https://www.cbpp.org/research/health/congressional-republicans-cant-cut-medicaid-by-hundreds-of-billions-without-hurting#_edn2; Center on Budget and Policy Priorities. Madeline Ashley, “10 hospital closures already in 2025 – what's going on?” March 21, 2025, https://www.beckershospitalreview.com/finance/10-hospital-closures-already-in-2025-whats-going-on/?origin=BHRE&utm_source=BHRE&utm_medium=email&utm_content=newsletter&oly_enc_id=8018I7467278H7C; Becker's Hospital Review. Chartis, “2025 rural health state of the state,” February 10, 2025, https://www.chartis.com/insights/2025-rural-health-state-state. Dustin Walsh, “Rural hospitals at risk for closure as financial pressure mounts,” March 11, 2025, https://www.crainsdetroit.com/health-care/rural-hospitals-risk-closure-financial-pressure-mounts; Crain's Detroit Business. Centers for Healthcare Quality & Payment Reform, February, 2025, “Rural Hospitals At Risk of Closing,” https://chqpr.org/downloads/Rural_Hospitals_at_Risk_of_Closing.pdf. The National Resident Matching Program, “National Resident Matching Program® Releases the 2025 Main Residency Match® Results, Celebrates the Next Generation of Physicians,” March 21, 2025, https://www.nrmp.org/about/news/2025/03/national-resident-matching-program-releases-the-2025-main-residency-match-results-celebrates-the-next-generation-of-physicians/. Thank you for listening to another episode of Rural Health Today, the podcast where we connect you to what really matters in rural health. Rural Health Today is a production of Hillsdale Hospital in Hillsdale, Michigan and a member of the Health Podcast Network. Our host is JJ Hodshire, our producer is Kyrsten Newlon, and our audio engineer is Kenji Ulmer. Special thanks to our special guests for sharing their expertise on the show, and also to the Hillsdale Hospital marketing team. If you want to submit a question for us to answer on the podcast or learn more about Rural Health Today, visit ruralhealthtoday.com.

Health and Human Services Secretary Robert F. Kennedy Jr. has announced a proposed reorganization for the department — which, counting those who already have left the agency, amounts to about a 25% cut in its workforce — as well as a new “Administration for a Healthy America” that will collapse several existing HHS agencies into one. Meanwhile, the department continues to cut billions of dollars in health spending at a time when the nation is facing measles outbreaks in several states and the continuing possibility of another pandemic, such as bird flu. Alice Miranda Ollstein of Politico, Maya Goldman of Axios News, and Joanne Kenen of the Johns Hopkins Bloomberg School of Public Health and Politico Magazine join KFF Health News' Julie Rovner to discuss these stories and more. Also this week, Rovner interviews KFF senior vice president Larry Levitt about the 15th anniversary of the signing of the Affordable Care Act and the threats the health law continues to face. Plus, for “extra credit,” the panelists suggest health policy stories they read this week that they think you should read, too: Julie Rovner: CNN's “State Lawmakers Are Looking To Ban Non-Existent ‘Chemtrails.' It Could Have Real-Life Side Effects,” by Ramishah Maruf and Brandon Miller. Alice Miranda Ollstein: The New York Times Wirecutter's “23andMe Just Filed for Bankruptcy. You Should Delete Your Data Now,” by Max Eddy. Maya Goldman: KFF Health News' “‘I Am Going Through Hell': Job Loss, Mental Health, and the Fate of Federal Workers,” by Rachana Pradhan and Aneri Pattani. Joanne Kenen: The Atlantic's “America Is Done Pretending About Meat,” by Yasmin Tayag. Hosted on Acast. See acast.com/privacy for more information.

With Congress approving a plan to slash $880 billion from the federal budget, all eyes are turning to Medicaid as the most likely source of cuts. I asked Former North Carolina Health Secretary Kody Kinsley, KFF's Larry Levitt and California Health Care Foundation's Katie Heidorn to join me to discuss the likely shape and impact of proposed cuts, and take questions from UC Berkeley students. Kody called it a “self-licking ice cream cone”—cuts that destabilize the government, leading to further cuts. Larry warned of formula battles that will soon erupt. Katie laid out the devastating effects on state budgets.We've also released this episode as a full video episode on YouTube. Subscribe to The Other 80 YouTube channel for video extras, video episodes and viral healthcare policy content. Click here to watch this episode in full. Watch the full VIDEO version of this episode: https://www.youtube.com/watch?v=X110GShMTtE&t=52sRelevant LinksKFF: The Public's View on Potential Changes to MedicaidKFF: Impact of Medicaid Per Capita Cap Kody Kinsley testimony to Congress on MedicaidPre-election episode with Larry LevittKFF: Can Republicans cut $880 Billion without Slashing Medicaid?CBPP: Impact of Medicaid CutsCHCF: Defending Medi-Cal in 2025About Our GuestsKatie Heidorn is the director of state health policy at CHCF, where she leverages the foundation's data, expertise, and partnerships to help California's state government make informed decisions about health care. Katie is based in CHCF's Sacramento office.Katie has nearly two decades of experience working in health policy, government, and nonprofits and is a skilled leader, facilitator, and communicator. She comes to CHCF after more than two years as executive director for the Insure the Uninsured Project (ITUP). Before that, Katie was the government affairs advocate for Health Net and the development director and policy lead at the nonprofit California Coverage and Health Initiatives. Katie spent a decade in California state government, including as a deputy secretary for the California Health and Human Services Agency and principal consultant in the Senate Appropriations Committee. She is also an alumna of the California Senate Fellows Program.Katie received her master's degree in Public Administration from the University of Southern California and bachelor's degree in Biochemistry and Molecular Biology and Comparative Literature from the University of California, Davis.Source: https://www.chcf.org/person/katie-heidorn/Kody...

Fifteen years ago today, the Affordable Care Act was signed into law, kicking off a sweeping overhaul of U.S. healthcare and expanding Medicaid coverage to more than 30 million Americans. But with deep cuts to Medicaid being debated on Capitol Hill, could the U.S. healthcare landscape be in for a shock? WSJ health-insurance reporter Anna Wilde Mathews and Larry Levitt, executive vice president for health policy at the non-profit health policy research and polling organization KFF, discuss the kinds of changes that are on the table, from work requirements to federal contributions to states, and what they would mean for Americans' healthcare more broadly. Luke Vargas hosts. Further Reading:  Fear of Medicaid Cuts Hits Health Insurer and Hospital Stocks  GOP Split on Medicaid Imperils Trump's Tax-Cut Plans  Trump's Medicaid Comments on Friday Provide Relief for Insurers  Learn more about your ad choices. Visit megaphone.fm/adchoices

Medicaid is a program jointly funded by the federal and state governments. It provides health care coverage to nearly 80 million people, primarily those with low incomes, people who are living with disabilities or are in long-term care. On this episode we discussed the nuts and bolts of how Medicaid is financed and how states are handling some new challenges in the post-pandemic world. The pandemic affected both who Medicaid covered and the share paid by the federal and state governments.  In the first segment, NCSL's Kathryn Costanza was joined by Akeiisa Coleman from the Commonwealth Fund to break down the details of how the program is funded, including how the federal-state share is determined for each state. They also discussed the key drivers of cost in the Medicaid system. On the second segment, guests Neda Jasemi from the National Association of Medicaid Directors, and Robin Rudowitz from KFF talk about what they are hearing from Medicaid officials around the country. They discussed how the post-COVID unwinding of patients who had remained on the rolls during the pandemic had significant effects on the program. They also discussed steps states are taking to try to ensure access for Medicaid patients and how states are preparing for any changes in the program at the federal level. ResourcesCommonwealth Fund/MedicaidHealth Costs, Coverage and Delivery State Legislation Database, NCSLHow We Pay for MedicaidKFF/Medicaid“Medicaid Financing 101,” NCSL“Medicaid Toolkit,” NCSLNational Association of Medicaid Directors“Results from an Annual Medicaid Budget Survey for State Fiscal Years 2024 and 2025,” KFF“State Legislatures Address Medicaid Coverage and Payments in the 2024 Legislative Session,” NCSL“State Tax Actions: 2024,” NCSL“Top five Medicaid budget pressures for fiscal year 2025,” NAMD

  The Friday Five for March 7, 2025: Starbucks and Dunkin' Spring 2025 Menus Amazon Announces Alexa+ Changes to MA and Part D Disaster/Emergency SEP Effects of ACA Subsidy Expiration by Demographic Clarification on HHS Proposed Rule Comment Periods   Starbucks and Dunkin' Spring 2025 Menus: Beams, Sophia. “Dunkin' Brings Back Two Fan-Favorite Drinks Just in Time for Spring.” Bhg.Com, Better Homes & Gardens, 5 Mar. 2025, www.bhg.com/dunkin-spring-menu-2025-11690288. Tyko, Kelly. “Dunkin' Spring Menu Launches, Nondairy Surcharge Removed.” Axios.Com, Axios, 5 Mar. 2025, www.axios.com/2025/03/05/dunkin-spring-menu-2025-dunkalatte-pistachio-coffee. “New Iced Cherry Chai Joins Lavender Drinks on Starbucks Spring Menu.” About.Starbucks.Com, Starbucks, 3 Mar. 2025, about.starbucks.com/stories/2025/new-iced-cherry-chai-joins-lavender-drinks-on-starbucks-spring-menu/. Palan, Michael. “We Tried Starbucks' New Spring Menu Items, and These 2 Drinks Stole the Show.” Tastingtable.Com, Tasting Table, 3 Mar. 2025, www.tastingtable.com/1801587/starbucks-reserve-new-spring-menu-2025-drinks-food/.   Amazon Announces Alexa+: “50 Things to Try with Alexa+.” Aboutamazon.Comt, Amazon, 26 Feb. 2025, www.aboutamazon.com/news/devices/new-alexa-top-features. Haselton, Todd, et al. “Amazon Alexa Event Live Blog: All the News from the Keynote.” Theverge.Com, The Verge, 26 Feb. 2025, www.theverge.com/news/618261/amazon-alexa-event-live-blog-2025. Panay, Panos. “Introducing Alexa+, the next Generation of Alexa.” Aboutamazon.Com, Amazon, 26 Feb. 2025, www.aboutamazon.com/news/devices/new-alexa-generative-artificial-intelligence. Diaz, Maria. “Not All Echo Devices Will Get Alexa+ Initially - See If Yours Made the List.” Zdnet.Com, ZDNET, 28 Feb. 2025, www.zdnet.com/article/alexa-plus-will-run-on-select-echo-devices-see-if-yours-is-on-the-list/. Ellis, Cat. “Want to Try Alexa+? Here Are the Echo Devices It'll Work On.” Techradar.Com, TechRadar, 27 Feb. 2025, www.techradar.com/home/smart-speakers/want-to-try-alexa-plus-here-are-the-echo-devices-itll-work-on. Aten, Jason. “With Its AI-Powered Alexa+, Amazon Just Put Apple on Notice.” Inc.Com, Inc, 26 Feb. 2025, www.inc.com/jason-aten/with-its-ai-powered-alexa-plus-amazon-just-put-apple-on-notice/91153371. Stanley, Alyse. “You Can Get Alexa+ Early — Here's How to Sign up.” Tomsguide.Com, Tom's Guide, 1 Mar. 2025, www.tomsguide.com/ai/you-can-get-alexa-early-heres-how-to-sign-up.   Changes to MA and Part D Disaster/Emergency SEP: Crowe, Edward. “New Medicare FEMA SEP Rules.” Pfsinsurance.Com, Pinnacle Financial Services, 29 Jan. 2025, pfsinsurance.com/blog/new-medicare-fema-sep-rules-crowe-associates. “Change to Beneficiary Use of the SEP for Individuals Affected by a Government Entity-Declared Disaster or Other Emergency.” Cms.Gov, Centers for Medicare & Medicaid Services, 3 Dec. 2024, 20178637.fs1.hubspotusercontent-na1.net/hubfs/20178637/42%20ea%20-%20Product%20Profile.pdf.   Effects of ACA Subsidy Expiration by Demographic: Lambrew, Jeanne. “Enhanced ACA Marketplace Tax Credits Worked—And Shouldn't Be Eliminated.” Tcf.Org, The Century Foundation, 7 Aug. 2024, tcf.org/content/commentary/enhanced-aca-marketplace-tax-credits-worked-and-shouldnt-be-eliminated/. Richards, Carson, and Sara  R. Collins. “Enhanced Premium Tax Credits for ACA Health Plans: Who They Help, and Who Gets Hurt If They're Not Extended.” Commonwealthfund.Org, Commonwealth Fund, 18 Feb. 2025, www.commonwealthfund.org/publications/explainer/2025/feb/enhanced-premium-tax-credits-aca-health-plans. Sullivan, Jennifer. “Enhanced Tax Credits Keep ACA Marketplace Coverage Affordable for 2025.” Cbpp.Org, Center on Budget and Policy Priorities, 18 Nov. 2024, www.cbpp.org/blog/enhanced-tax-credits-keep-aca-marketplace-coverage-affordable-for-2025. “How Much More Would People Pay in Premiums If the ACA's Enhanced Subsidies Expired?” Kff.Org, KFF, 18 Dec. 2024, https://www.kff.org/interactive/how-much-more-would-people-pay-in-premiums-if-the-acas-enhanced-subsidies-expired/ Ortaliza, Jared, et al. “Inflation Reduction Act Health Insurance Subsidies: What Is Their Impact and What Would Happen If They Expire?” Kff.Org, KFF, 26 July 2024, www.kff.org/affordable-care-act/issue-brief/inflation-reduction-act-health-insurance-subsidies-what-is-their-impact-and-what-would-happen-if-they-expire/. Banthin, Jessica, et al. “Who Benefits from Enhanced Premium Tax Credits in the Marketplace?” Urban.Org, Urban Institute, June 2024, www.urban.org/sites/default/files/2024-06/Who_Benefits_from_Enhanced_Premium_Tax_Credits_in_the_Marketplace.pdf. Lo, Justin, and Cynthia Cox. “Who Might Lose Eligibility for Affordable Care Act Marketplace Subsidies If Enhanced Tax Credits Are Not Extended?” Kff.Com, KFF, 28 Feb. 2025, www.kff.org/policy-watch/who-might-lose-eligibility-for-affordable-care-act-marketplace-subsidies-if-enhanced-tax-credits-are-not-extended/.   Clarification on HHS Proposed Rule Comment Periods: “Compilation of the Social Security Laws.” Ssa.Gov, Social Security Administration, www.ssa.gov/OP_Home/ssact/title18/1871.htm. Accessed 5 Mar. 2025. “HHS Rescinds Policy Regarding Notice-and-Comment Rulemaking – Implications for Health Care Industry.” Www.Hoganlovells.Com, Hogan Lovells, 3 Mar. 2025, www.hoganlovells.com/en/publications/hhs-rescinds-policy-regarding-noticeandcomment-rulemaking-implications-for-health-care-industry. “Policy on Adhering to the Text of the Administrative Procedure Act.” Federalregister.Gov, Federal Register, 3 Mar. 2025, www.federalregister.gov/documents/2025/03/03/2025-03300/policy-on-adhering-to-the-text-of-the-administrative-procedure-act. Goldman, Maya. “RFK Jr. Move to Kill Public Comment Roils Providers.” Axios.Com, Axios, 3 Mar. 2025, www.axios.com/2025/03/03/rfk-transparency-rule-elimination-fallout. Cueto, Isabella. “RFK Jr. Moves to Eliminate Public Comment on HHS Decisions.” Statnews.Com, STAT, 28 Feb. 2025, www.statnews.com/2025/02/28/rfk-jr-eliminating-public-comment-hhs-decisions-richardson-waiver/. Muoio, Dave. “RFK Jr. Orders HHS to End ‘extra-Statutory' Notice, Public Comment Process in Rulemaking.” Fiercehealthcare.Com, Fierce Healthcare, 3 Mar. 2025, www.fiercehealthcare.com/regulatory/rfk-jr-orders-hhs-end-notice-public-comment-process-rulemaking. Howe, Amy. “Supreme Court Strikes down Chevron, Curtailing Power of Federal Agencies.” Scotusblog.Com, SCOTUSblog, 26 July 2024, www.scotusblog.com/2024/06/supreme-court-strikes-down-chevron-curtailing-power-of-federal-agencies/.   Resources: Diversify Your Insurance Portfolio & Reap Real Rewards: https://lnk.to/asg651 FAQs About Registering with Ritter Insurance Marketing: https://ritterim.com/blog/faqs-about-registering-with-ritter-insurance-marketing/   How To Better Market Yourself: https://ritterim.com/blog/how-to-better-market-yourself/   Medicare Advantage Open Enrollment Do's and Don'ts: https://lnk.to/oRft1p SNP Summit Registration is Live: https://lnk.to/asgf20250228   Follow Us on Social! 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  Ready to scale, but not sure where to start? Maximize your reach by building out your sales portfolio! We explain the benefits of a diverse insurance portfolio complete with the “how-to-do-it” framework.   Read the text version   Claim Your FREE Portfolio Review Today!   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: A Quick Guide to Cross-Selling Ancillary Insurance with Medicare Products: https://ritterim.com/selling-ancillary-with-medicare/  Are You Self-Sabotaging Your Insurance Sales Success? https://ritterim.com/blog/are-you-self-sabotaging-your-insurance-sales-success/ How Relationship Marketing Can Make the Difference in Your Agency: https://lnk.to/asg642 Interview: Boost Your Commissions with a New Hospital Indemnity Sales Strategy: https://ritterim.com/blog/interview-boost-your-commissions-with-a-new-hospital-indemnity-sales-strategy/  Interview: Relationship Marketing Strategies for Insurance Agents: https://lnk.to/9b3cTl Knight School Expand & Dominate Learning Path: https://ritterim.com/knight-school/expand-dominate/ Learn About the Ritter Certification Center: https://ritterim.com/ritter-certification-center/ Meet Your Ritter Sales Specialist: https://ritterim.com/meet-your-sales-team/  Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/ REWIND: 8 Relationship Marketing Strategies for Insurance Agents: https://lnk.to/9b3cTl Ritter Insurance Marketing Webinar and Events: https://ritterim.com/events/ The Beginner's Guide to D-SNPs: https://lnk.to/asg648 The Complete Guide on How to Sell Final Expense Insurance: https://ritterim.com/final-expense-ebook/ The Complete Guide to Selling Affordable Care Act Insurance Plans: https://ritterim.com/aca-ebook/   References: Lopes, Lunna, et al. “Americans' Challenges with Health Care Costs.” KFF.Org, KFF, 7 May 2024, www.kff.org/health-costs/issue-brief/americans-challenges-with-health-care-costs/. Moynihan, Kyle. “Fidelity Investments® Releases 2024 Retiree Health Care Cost Estimate as Americans Seek Clarity Around Medicare Selection.” Fidelity, Fidelity, 8 Aug. 2024, newsroom.fidelity.com/pressreleases/fidelity-investments--releases-2024-retiree-health-care-cost-estimate-as-americans-seek-clarity-arou/s/7322cc17-0b90-46c4-ba49-38d6e91c3961. Cottrill, Alex, et al. “Income and Assets of Medicare Beneficiaries in 2023.” KFF.Org, KFF, 9 Feb. 2024, www.kff.org/medicare/issue-brief/income-and-assets-of-medicare-beneficiaries-in-2023/. Vandenboss, Kevin. “The Average Millionaire Has 7 Sources Of Income - Here Are 3 You Can Start Building Today.” Finance.Yahoo.Com, Yahoo! Finance, 30 May 2024, finance.yahoo.com/news/average-millionaire-7-sources-income-164311915.html. Farrell, Chris. “Why Multigenerational Households Are Making a Comeback in a Big Way.” Marketplace.Org, Marketplace, 3 Apr. 2024, www.marketplace.org/2024/04/03/multigenerational-households-housing-affordability/.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Dr. Gary Null provides a commentary on "Universal  Healthcare"       Universal Healthcare is the Solution to a Broken Medical System Gary Null, PhD Progressive Radio Network, March 3, 2025 For over 50 years, there has been no concerted or successful effort to bring down medical costs in the American healthcare system. Nor are the federal health agencies making disease prevention a priority. Regardless whether the political left or right sponsors proposals for reform, such measures are repeatedly defeated by both parties in Congress. As a result, the nation's healthcare system remains one of the most expensive and least efficient in the developed world. For the past 30 years, medical bills contributing to personal debt regularly rank among the top three causes of personal bankruptcy. This is a reality that reflects not only the financial strain on ordinary Americans but the systemic failure of the healthcare system itself. The urgent question is: If President Trump and his administration are truly seeking to reduce the nation's $36 trillion deficit, why is there no serious effort to reform the most bloated and corrupt sector of the economy? A key obstacle is the widespread misinformation campaign that falsely claims universal health care would cost an additional $2 trillion annually and further balloon the national debt. However, a more honest assessment reveals the opposite. If the US adopted a universal single-payer system, the nation could actually save up to $20 trillion over the next 10 years rather than add to the deficit. Even with the most ambitious efforts by people like Elon Musk to rein in federal spending or optimize government efficiency, the estimated savings would only amount to $500 billion. This is only a fraction of what could be achieved through comprehensive healthcare reform alone. Healthcare is the largest single expenditure of the federal budget. A careful examination of where the $5 trillion spent annually on healthcare actually goes reveals massive systemic fraud and inefficiency. Aside from emergency medicine, which accounts for only 10-12 percent of total healthcare expenditures, the bulk of this spending does not deliver better health outcomes nor reduce trends in physical and mental illness. Applying Ockham's Razor, the principle that the simplest solution is often the best, the obvious conclusion is that America's astronomical healthcare costs are the direct result of price gouging on an unimaginable scale. For example, in most small businesses, profit margins range between 1.6 and 2.5 percent, such as in grocery retail. Yet the pharmaceutical industrial complex routinely operates on markup rates as high as 150,000 percent for many prescription drugs. The chart below highlights the astronomical gap between the retail price of some top-selling patented pharmaceutical medications and their generic equivalents. Drug Condition Patent Price (per unit) Generic Price Estimated Manufacture Cost Markup Source Insulin (Humalog) Diabetes $300 $30 $3 10,000% Rand (2021) EpiPen Allergic reactions $600 $30 $10 6,000% BMJ (2022) Daraprim Toxoplasmosis $750/pill $2 $0.50 150,000% JAMA (2019) Harvoni Hepatitis C $94,500 (12 weeks) $30,000 $200 47,000% WHO Report (2018) Lipitor Cholesterol $150 $10 $0.50 29,900% Health Affairs (2020) Xarelto Blood Thinner $450 $25 $1.50 30,000% NEJM (2020) Abilify Schizophrenia $800 (30 tablets) $15 $2 39,900% AJMC (2019) Revlimid Cancer $16,000/mo $450 $150 10,500% Kaiser Health News (2021) Humira Arthritis $2,984/dose $400 $50 5,868% Rand (2021) Sovaldi Hepatitis C $1,000/pill $10 $2 49,900% JAMA (2021) Xolair Asthma $2,400/dose $300 $50 4,800% NEJM (2020) Gleevec Leukemia $10,000/mo $350 $200 4,900% Harvard Public Health Review (2020) OxyContin Pain Relief $600 (30 tablets) $15 $0.50 119,900% BMJ (2022) Remdesivir Covid-19 $3,120 (5 doses) N/A $10 31,100% The Lancet (2020) The corruption extends far beyond price gouging. Many pharmaceutical companies convince federal health agencies to fund their basic research and drug development with taxpayer dollars. Yet when these companies bring successful products to market, the profits are kept entirely by the corporations or shared with the agencies or groups of government scientists. On the other hand, the public, who funded the research, receives no financial return. This amounts to a systemic betrayal of the public trust on a scale of hundreds of billions of dollars annually. Another significant contributor to rising healthcare costs is the widespread practice of defensive medicine that is driven by the constant threat of litigation. Over the past 40 years, defensive medicine has become a cottage industry. Physicians order excessive diagnostic tests and unnecessary treatments simply to protect themselves from lawsuits. Study after study has shown that these over-performed procedures not only inflate costs but lead to iatrogenesis or medical injury and death caused by the medical  system and practices itself. The solution is simple: adopting no-fault healthcare coverage for everyone where patients receive care without needing to sue and thereby freeing doctors from the burden of excessive malpractice insurance. A single-payer universal healthcare system could fundamentally transform the entire industry by capping profits at every level — from drug manufacturers to hospitals to medical equipment suppliers. The Department of Health and Human Services would have the authority to set profit margins for medical procedures. This would ensure that healthcare is determined by outcomes, not profits. Additionally, the growing influence of private equity firms and vulture capitalists buying up hospitals and medical clinics across America must be reined in. These equity firms prioritize profit extraction over improving the quality of care. They often slash staff, raise prices, and dictate medical procedures based on what will yield the highest returns. Another vital reform would be to provide free medical education for doctors and nurses in exchange for five years of service under the universal system. Medical professionals would earn a realistic salary cap to prevent them from being lured into equity partnerships or charging exorbitant rates. The biggest single expense in the current system, however, is the private health insurance industry, which consumes 33 percent of the $5 trillion healthcare budget. Health insurance CEOs consistently rank among the highest-paid executives in the country. Their companies, who are nothing more than bean counters, decide what procedures and drugs will be covered, partially covered, or denied altogether. This entire industry is designed to place profits above patients' lives. If the US dismantled its existing insurance-based system and replaced it with a fully reformed national healthcare model, the country could save $2.7 trillion annually while simultaneously improving health outcomes. Over the course of 10 years, those savings would amount to $27 trillion. This could wipe out nearly the entire national debt in a short time. This solution has been available for decades but has been systematically blocked by corporate lobbying and bipartisan corruption in Washington. The path forward is clear but only if American citizens demand a system where healthcare is valued as a public service and not a commodity. The national healthcare crisis is not just a fiscal issue. It is a crucial moral failure of the highest order. With the right reforms, the nation could simultaneously restore its financial health and deliver the kind of healthcare system its citizens have long deserved. American Healthcare: Corrupt, Broken and Lethal Richard Gale and Gary Null Progressive Radio Network, March 3, 2025 For a nation that prides itself on being the world's wealthiest, most innovative and technologically advanced, the US' healthcare system is nothing less than a disaster and disgrace. Not only are Americans the least healthy among the most developed nations, but the US' health system ranks dead last among high-income countries. Despite rising costs and our unshakeable faith in American medical exceptionalism, average life expectancy in the US has remained lower than other OECD nations for many years and continues to decline. The United Nations recognizes healthcare as a human right. In 2018, former UN Secretary General Ban Ki-moon denounced the American healthcare system as "politically and morally wrong." During the pandemic it is estimated that two to three years was lost on average life expectancy. On the other hand, before the Covid-19 pandemic, countries with universal healthcare coverage found their average life expectancy stable or slowly increasing. The fundamental problem in the U.S. is that politics have been far too beholden to the pharmaceutical, HMO and private insurance industries. Neither party has made any concerted effort to reign in the corruption of corporate campaign funding and do what is sensible, financially feasible and morally correct to improve Americans' quality of health and well-being.   The fact that our healthcare system is horribly broken is proof that moneyed interests have become so powerful to keep single-payer debate out of the media spotlight and censored. Poll after poll shows that the American public favors the expansion of public health coverage. Other incremental proposals, including Medicare and Medicaid buy-in plans, are also widely preferred to the Affordable Care Act or Obamacare mess we are currently stuck with.   It is not difficult to understand how the dismal state of American medicine is the result of a system that has been sold out to the free-market and the bottom line interests of drug makers and an inflated private insurance industry. How advanced and ethically sound can a healthcare system be if tens of millions of people have no access to medical care because it is financially out of their reach?  The figures speak for themselves. The U.S. is burdened with a $41 trillion Medicare liability. The number of uninsured has declined during the past several years but still lingers around 25 million. An additional 30-35 million are underinsured. There are currently 65 million Medicare enrollees and 89 million Medicaid recipients. This is an extremely unhealthy snapshot of the country's ability to provide affordable healthcare and it is certainly unsustainable. The system is a public economic failure, benefiting no one except the large and increasingly consolidated insurance and pharmaceutical firms at the top that supervise the racket.   Our political parties have wrestled with single-payer or universal healthcare for decades. Obama ran his first 2008 presidential campaign on a single-payer platform. Since 1985, his campaign health adviser, the late Dr. Quentin Young from the University of Illinois Medical School, was one of the nation's leading voices calling for universal health coverage.  During a private conversation with Dr. Young shortly before his passing in 2016, he conveyed his sense of betrayal at the hands of the Obama administration. Dr. Young was in his 80s when he joined the Obama campaign team to help lead the young Senator to victory on a promise that America would finally catch up with other nations. The doctor sounded defeated. He shared how he was manipulated, and that Obama held no sincere intention to make universal healthcare a part of his administration's agenda. During the closed-door negotiations, which spawned the weak and compromised Affordable Care Act, Dr. Young was neither consulted nor invited to participate. In fact, he told us that he never heard from Obama again after his White House victory.   Past efforts to even raise the issue have been viciously attacked. A huge army of private interests is determined to keep the public enslaved to private insurers and high medical costs. The failure of our healthcare is in no small measure due to it being a fully for-profit operation. Last year, private health insurance accounted for 65 percent of coverage. Consider that there are over 900 private insurance companies in the US. National Health Expenditures (NHE) grew to $4.5 trillion in 2022, which was 17.3 percent of GDP. Older corporate rank-and-file Democrats and Republicans argue that a single-payer or socialized medical program is unaffordable. However, not only is single-payer affordable, it will end bankruptcies due to unpayable medical debt. In addition, universal healthcare, structured on a preventative model, will reduce disease rates at the outset.    Corporate Democrats argue that Obama's Affordable Care Act (ACA) was a positive step inching the country towards complete public coverage. However, aside from providing coverage to the poorest of Americans, Obamacare turned into another financial anchor around the necks of millions more. According to the health policy research group KFF, the average annual health insurance premium for single coverage is $8,400 and almost $24,000 for a family. In addition, patient out-of-pocket costs continue to increase, a 6.6% increase to $471 billion in 2022. Rather than healthcare spending falling, it has exploded, and the Trump and Biden administrations made matters worse.    Clearly, a universal healthcare program will require flipping the script on the entire private insurance industry, which employed over half a million people last year.  Obviously, the most volatile debate concerning a national universal healthcare system concerns cost. Although there is already a socialized healthcare system in place -- every federal legislator, bureaucrat, government employee and veteran benefits from it -- fiscal Republican conservatives and groups such as the Koch Brothers network are single-mindedly dedicated to preventing the expansion of Medicare and Medicaid. A Koch-funded Mercatus analysis made the outrageous claim that a single-payer system would increase federal health spending by $32 trillion in ten years. However, analyses and reviews by the Congressional Budget Office in the early 1990s concluded that such a system would only increase spending at the start; enormous savings would quickly offset it as the years pass. In one analysis, "the savings in administrative costs [10 percent of health spending] would be more than enough to offset the expense of universal coverage."    Defenders of those advocating for funding a National Health Program argue this can primarily be accomplished by raising taxes to levels comparable to other developed nations. This was a platform Senator Bernie Sanders and some of the younger progressive Democrats in the House campaigned on. The strategy was to tax the highest multimillion-dollar earners 60-70 percent. Despite the outrage of its critics, including old rank-and-file multi-millionaire Democrats like Nancy Pelosi and Chuck Schumer, this is still far less than in the past. During the Korean War, the top tax rate was 91 percent; it declined to 70 percent in the late 1960s. Throughout most of the 1970s, those in the lowest income bracket were taxed at 14 percent. We are not advocating for this strategy because it ignores where the funding is going, and the corruption in the system that is contributing to exorbitant waste.    But Democratic supporters of the ACA who oppose a universal healthcare plan ignore the additional taxes Obama levied to pay for the program. These included surtaxes on investment income, Medicare taxes from those earning over $200,000, taxes on tanning services, an excise tax on medical equipment, and a 40 percent tax on health coverage for costs over the designated cap that applied to flexible savings and health savings accounts. The entire ACA was reckless, sloppy and unnecessarily complicated from the start.    The fact that Obamacare further strengthened the distinctions between two parallel systems -- federal and private -- with entirely different economic structures created a labyrinth of red tape, rules, and wasteful bureaucracy. Since the ACA went into effect, over 150 new boards, agencies and programs have had to be established to monitor its 2,700 pages of gibberish. A federal single-payer system would easily eliminate this bureaucracy and waste.    A medical New Deal to establish universal healthcare coverage is a decisive step in the correct direction. But we must look at the crisis holistically and in a systematic way. Simply shuffling private insurance into a federal Medicare-for-all or buy-in program, funded by taxing the wealthiest of citizens, would only temporarily reduce costs. It will neither curtail nor slash escalating disease rates e. Any effective healthcare reform must also tackle the underlying reasons for Americans' poor state of health. We cannot shy away from examining the social illnesses infecting our entire free-market capitalist culture and its addiction to deregulation. A viable healthcare model would have to structurally transform how the medical economy operates. Finally, a successful medical New Deal must honestly evaluate the best and most reliable scientific evidence in order to effectively redirect public health spending.    For example, Dr. Ezekiel Emanuel, a former Obama healthcare adviser, observed that AIDS-HIV measures consume the most public health spending, even though the disease "ranked 75th on the list of diseases by personal health expenditures." On the other hand, according to the American Medical Association, a large percentage of the nation's $3.4 trillion healthcare spending goes towards treating preventable diseases, notably diabetes, common forms of heart disease, and back and neck pain conditions. In 2016, these three conditions were the most costly and accounted for approximately $277 billion in spending. Last year, the CDC announced the autism rate is now 1 in 36 children compared to 1 in 44 two years ago. A retracted study by Mark Blaxill, an autism activist at the Holland Center and a friend of the authors, estimates that ASD costs will reach $589 billion annually by 2030. There are no signs that this alarming trend will reverse and decline; and yet, our entire federal health system has failed to conscientiously investigate the underlying causes of this epidemic. All explanations that might interfere with the pharmaceutical industry's unchecked growth, such as over-vaccination, are ignored and viciously discredited without any sound scientific evidence. Therefore, a proper medical New Deal will require a systemic overhaul and reform of our federal health agencies, especially the HHS, CDC and FDA. Only the Robert Kennedy Jr presidential campaign is even addressing the crisis and has an inexpensive and comprehensive plan to deal with it. For any medical revolution to succeed in advancing universal healthcare, the plan must prioritize spending in a manner that serves public health and not private interests. It will also require reshuffling private corporate interests and their lobbyists to the sidelines, away from any strategic planning, in order to break up the private interests' control over federal agencies and its revolving door policies. Aside from those who benefit from this medical corruption, the overwhelming majority of Americans would agree with this criticism. However, there is a complete lack of national trust that our legislators, including the so-called progressives, would be willing to undertake such actions.    In addition, America's healthcare system ignores the single most critical initiative to reduce costs - that is, preventative efforts and programs instead of deregulation and closing loopholes designed to protect the drug and insurance industries' bottom line. Prevention can begin with banning toxic chemicals that are proven health hazards associated with current disease epidemics, and it can begin by removing a 1,000-plus toxins already banned in Europe. This should be a no-brainer for any legislator who cares for public health. For example, Stacy Malkan, co-founder of the Campaign for Safe Cosmetics, notes that "the policy approach in the US and Europe is dramatically different" when it comes to chemical allowances in cosmetic products. Whereas the EU has banned 1,328 toxic substances from the cosmetic industry alone, the US has banned only 11. The US continues to allow carcinogenic formaldehyde, petroleum, forever chemicals, many parabens (an estrogen mimicker and endocrine hormone destroyer), the highly allergenic p-phenylenediamine or PBD, triclosan, which has been associated with the rise in antibiotic resistant bacteria, avobenzone, and many others to be used in cosmetics, sunscreens, shampoo and hair dyes.   Next, the food Americans consume can be reevaluated for its health benefits. There should be no hesitation to tax the unhealthiest foods, such as commercial junk food, sodas and candy relying on high fructose corn syrup, products that contain ingredients proven to be toxic, and meat products laden with dangerous chemicals including growth hormones and antibiotics. The scientific evidence that the average American diet is contributing to rising disease trends is indisputable. We could also implement additional taxes on the public advertising of these demonstrably unhealthy products. All such tax revenue would accrue to a national universal health program to offset medical expenditures associated with the very illnesses linked to these products. Although such tax measures would help pay for a new medical New Deal, it may be combined with programs to educate the public about healthy nutrition if it is to produce a reduction in the most common preventable diseases. In fact, comprehensive nutrition courses in medical schools should be mandatory because the average physician receives no education in this crucial subject.  In addition, preventative health education should be mandatory throughout public school systems.   Private insurers force hospitals, clinics and private physicians into financial corners, and this is contributing to prodigious waste in money and resources. Annually, healthcare spending towards medical liability insurance costs tens of billions of dollars. In particular, this economic burden has taxed small clinics and physicians. It is well past the time that physician liability insurance is replaced with no-fault options. Today's doctors are spending an inordinate amount of money to protect themselves. Legions of liability and trial lawyers seek big paydays for themselves stemming from physician error. This has created a culture of fear among doctors and hospitals, resulting in the overly cautious practice of defensive medicine, driving up costs and insurance premiums just to avoid lawsuits. Doctors are forced to order unnecessary tests and prescribe more medications and medical procedures just to cover their backsides. No-fault insurance is a common-sense plan that enables physicians to pursue their profession in a manner that will reduce iatrogenic injuries and costs. Individual cases requiring additional medical intervention and loss of income would still be compensated. This would generate huge savings.    No other nation suffers from the scourge of excessive drug price gouging like the US. After many years of haggling to lower prices and increase access to generic drugs, only a minute amount of progress has been made in recent years. A 60 Minutes feature about the Affordable Care Act reported an "orgy of lobbying and backroom deals in which just about everyone with a stake in the $3-trillion-a-year health industry came out ahead—except the taxpayers.” For example, Life Extension magazine reported that an antiviral cream (acyclovir), which had lost its patent protection, "was being sold to pharmacies for 7,500% over the active ingredient cost. The active ingredient (acyclovir) costs only 8 pennies, yet pharmacies are paying a generic maker $600 for this drug and selling it to consumers for around $700." Other examples include the antibiotic Doxycycline. The price per pill averages 7 cents to $3.36 but has a 5,300 percent markup when it reaches the consumer. The antidepressant Clomipramine is marked up 3,780 percent, and the anti-hypertensive drug Captopril's mark-up is 2,850 percent. And these are generic drugs!    Medication costs need to be dramatically cut to allow drug manufacturers a reasonable but not obscene profit margin. By capping profits approximately 100 percent above all costs, we would save our system hundreds of billions of dollars. Such a measure would also extirpate the growing corporate misdemeanors of pricing fraud, which forces patients to pay out-of-pocket in order to make up for the costs insurers are unwilling to pay.    Finally, we can acknowledge that our healthcare is fundamentally a despotic rationing system based upon high insurance costs vis-a-vis a toss of the dice to determine where a person sits on the economic ladder. For the past three decades it has contributed to inequality. The present insurance-based economic metrics cast millions of Americans out of coverage because private insurance costs are beyond their means. Uwe Reinhardt, a Princeton University political economist, has called our system "brutal" because it "rations [people] out of the system." He defined rationing as "withholding something from someone that is beneficial." Discriminatory healthcare rationing now affects upwards to 60 million people who have been either priced out of the system or under insured. They make too much to qualify for Medicare under Obamacare, yet earn far too little to afford private insurance costs and premiums. In the final analysis, the entire system is discriminatory and predatory.    However, we must be realistic. Almost every member of Congress has benefited from Big Pharma and private insurance lobbyists. The only way to begin to bring our healthcare program up to the level of a truly developed nation is to remove the drug industry's rampant and unnecessary profiteering from the equation.     How did Fauci memory-hole a cure for AIDS and get away with it?   By Helen Buyniski   Over 700,000 Americans have died of AIDS since 1981, with the disease claiming some 42.3 million victims worldwide. While an HIV diagnosis is no longer considered a certain death sentence, the disease looms large in the public imagination and in public health funding, with contemporary treatments running into thousands of dollars per patient annually.   But was there a cure for AIDS all this time - an affordable and safe treatment that was ruthlessly suppressed and attacked by the US public health bureaucracy and its agents? Could this have saved millions of lives and billions of dollars spent on AZT, ddI and failed HIV vaccine trials? What could possibly justify the decision to disappear a safe and effective approach down the memory hole?   The inventor of the cure, Gary Null, already had several decades of experience creating healing protocols for physicians to help patients not responding well to conventional treatments by the time AIDS was officially defined in 1981. Null, a registered dietitian and board-certified nutritionist with a PhD in human nutrition and public health science, was a senior research fellow and Director of Anti-Aging Medicine at the Institute of Applied Biology for 36 years and has published over 950 papers, conducting groundbreaking experiments in reversing biological aging as confirmed with DNA methylation testing. Additionally, Null is a multi-award-winning documentary filmmaker, bestselling author, and investigative journalist whose work exposing crimes against humanity over the last 50 years has highlighted abuses by Big Pharma, the military-industrial complex, the financial industry, and the permanent government stay-behind networks that have come to be known as the Deep State.   Null was contacted in 1974 by Dr. Stephen Caiazza, a physician working with a subculture of gay men in New York living the so-called “fast track” lifestyle, an extreme manifestation of the gay liberation movement that began with the Stonewall riots. Defined by rampant sexual promiscuity and copious use of illegal and prescription drugs, including heavy antibiotic use for a cornucopia of sexually-transmitted diseases, the fast-track never included more than about two percent of gay men, though these dominated many of the bathhouses and clubs that defined gay nightlife in the era. These patients had become seriously ill as a result of their indulgence, generally arriving at the clinic with multiple STDs including cytomegalovirus and several types of herpes and hepatitis, along with candida overgrowth, nutritional deficiencies, gut issues, and recurring pneumonia. Every week for the next 10 years, Null would counsel two or three of these men - a total of 800 patients - on how to detoxify their bodies and de-stress their lives, tracking their progress with Caiazza and the other providers at weekly feedback meetings that he credits with allowing the team to quickly evaluate which treatments were most effective. He observed that it only took about two years on the “fast track” for a healthy young person to begin seeing muscle loss and the recurrent, lingering opportunistic infections that would later come to be associated with AIDS - while those willing to commit to a healthier lifestyle could regain their health in about a year.    It was with this background that Null established the Tri-State Healing Center in Manhattan in 1980, staffing the facility with what would eventually run to 22 certified health professionals to offer safe, natural, and effective low- and no-cost treatments to thousands of patients with HIV and AIDS-defining conditions. Null and his staff used variations of the protocols he had perfected with Caiazza's patients, a multifactorial patient-tailored approach that included high-dose vitamin C drips, intravenous ozone therapy, juicing and nutritional improvements and supplementation, aspects of homeopathy and naturopathy with some Traditional Chinese Medicine and Ayurvedic practices. Additional services offered on-site included acupuncture and holistic dentistry, while peer support groups were also held at the facility so that patients could find community and a positive environment, healing their minds and spirits while they healed their bodies.   “Instead of trying to kill the virus with antiretroviral pharmaceuticals designed to stop viral replication before it kills patients, we focused on what benefits could be gained by building up the patients' natural immunity and restoring biochemical integrity so the body could fight for itself,” Null wrote in a 2014 article describing the philosophy behind the Center's approach, which was wholly at odds with the pharmaceutical model.1   Patients were comprehensively tested every week, with any “recovery” defined solely by the labs, which documented AIDS patient after patient - 1,200 of them - returning to good health and reversing their debilitating conditions. Null claims to have never lost an AIDS patient in the Center's care, even as the death toll for the disease - and its pharmaceutical standard of care AZT - reached an all-time high in the early 1990s. Eight patients who had opted for a more intensive course of treatment - visiting the Center six days a week rather than one - actually sero-deconverted, with repeated subsequent testing showing no trace of HIV in their bodies.   As an experienced clinical researcher himself, Null recognized that any claims made by the Center would be massively scrutinized, challenging as they did the prevailing scientific consensus that AIDS was an incurable, terminal illness. He freely gave his protocols to any medical practitioner who asked, understanding that his own work could be considered scientifically valid only if others could replicate it under the same conditions. After weeks of daily observational visits to the Center, Dr. Robert Cathcart took the protocols back to San Francisco, where he excitedly reported that patients were no longer dying in his care.    Null's own colleague at the Institute of Applied Biology, senior research fellow Elana Avram, set up IV drip rooms at the Institute and used his intensive protocols to sero-deconvert 10 patients over a two-year period. While the experiment had been conducted in secret, as the Institute had been funded by Big Pharma since its inception half a century earlier, Avram had hoped she would be able to publish a journal article to further publicize Null's protocols and potentially help AIDS patients, who were still dying at incredibly high rates thanks to Burroughs Wellcome's noxious but profitable AZT. But as she would later explain in a 2019 letter to Null, their groundbreaking research never made it into print - despite meticulous documentation of their successes - because the Institute's director and board feared their pharmaceutical benefactors would withdraw the funding on which they depended, given that Null's protocols did not involve any patentable or otherwise profitable drugs. When Avram approached them about publication, the board vetoed the idea, arguing that it would “draw negative attention because [the work] was contrary to standard drug treatments.” With no real point in continuing experiments along those lines without institutional support and no hope of obtaining funding from elsewhere, the department she had created specifically for these experiments shut down after a two-year followup with her test subjects - all of whom remained alive and healthy - was completed.2   While the Center was receiving regular visits by this time from medical professionals and, increasingly, black celebrities like Stokely Carmichael and Isaac Hayes, who would occasionally perform for the patients, the news was spreading by word of mouth alone - not a single media outlet had dared to document the clinic that was curing AIDS patients for free. Instead, they gave airtime to Anthony Fauci, director of the National Institute of Allergies and Infectious Diseases, who had for years been spreading baseless, hysteria-fueling claims about HIV and AIDS to any news outlet that would put him on. His claim that children could contract the virus from “ordinary household conduct” with an infected relative proved so outrageous he had to walk it back,3 and he never really stopped insisting the deadly plague associated with gays and drug users was about to explode like a nuclear bomb among the law-abiding heterosexual population. Fauci by this time controlled all government science funding through NIAID, and his zero-tolerance approach to dissent on the HIV/AIDS front had already seen prominent scientists like virologist Peter Duesberg stripped of the resources they needed for their work because they had dared to question his commandment: There is no cause of AIDS but HIV, and AZT is its treatment. Even the AIDS activist groups, which by then had been coopted by Big Pharma and essentially reduced to astroturfing for the toxic failed chemotherapy drug AZT backed by the institutional might of Fauci's NIAID,4 didn't seem to want to hear that there was a cure. Unconcerned with the irrationality of denouncing the man touting his free AIDS cure as an  “AIDS denier,” they warned journalists that platforming Null or anyone else rejecting the mainstream medical line would be met with organized demands for their firing.    Determined to breach the institutional iron curtain and get his message to the masses, Null and his team staged a press conference in New York, inviting scientists and doctors from around the world to share their research on alternative approaches to HIV and AIDS in 1993. To emphasize the sound scientific basis of the Center's protocols and encourage guests to adopt them into their own practices, Null printed out thousands of abstracts in support of each nutrient and treatment being used. However, despite over 7,000 invitations sent three times to major media, government figures, scientists, and activists, almost none of the intended audience members showed up. Over 100 AIDS patients and their doctors, whose charts exhaustively documented their improvements using natural and nontoxic modalities over the preceding 12 months, gave filmed testimonials, declaring that the feared disease was no longer a death sentence, but the conference had effectively been silenced. Bill Tatum, publisher of the Amsterdam News, suggested Null and his patients would find a more welcoming audience in his home neighborhood of Harlem - specifically, its iconic Apollo Theatre. For three nights, the theater was packed to capacity. Hit especially hard by the epidemic and distrustful of a medical system that had only recently stopped being openly racist (the Tuskegee syphilis experiment only ended in 1972), black Americans, at least, did not seem to care what Anthony Fauci would do if he found out they were investigating alternatives to AZT and death.    PBS journalist Tony Brown, having obtained a copy of the video of patient testimonials from the failed press conference, was among a handful of black journalists who began visiting the Center to investigate the legitimacy of Null's claims. Satisfied they had something significant to offer his audience, Brown invited eight patients - along with Null himself - onto his program over the course of several episodes to discuss the work. It was the first time these protocols had received any attention in the media, despite Null having released nearly two dozen articles and multiple documentaries on the subject by that time. A typical patient on one program, Al, a recovered IV drug user who was diagnosed with AIDS at age 32, described how he “panicked,” saw a doctor and started taking AZT despite his misgivings - only to be forced to discontinue the drug after just a few weeks due to his condition deteriorating rapidly. Researching alternatives brought him to Null, and after six months of “detoxing [his] lifestyle,” he observed his initial symptoms - swollen lymph nodes and weight loss - begin to reverse, culminating with sero-deconversion. On Bill McCreary's Channel 5 program, a married couple diagnosed with HIV described how they watched their T-cell counts increase as they cut out sugar, caffeine, smoking, and drinking and began eating a healthy diet. They also saw the virus leave their bodies.   For HIV-positive viewers surrounded by fear and negativity, watching healthy-looking, cheerful “AIDS patients” detail their recovery while Null backed up their claims with charts must have been balm for the soul. But the TV programs were also a form of outreach to the medical community, with patients' charts always on hand to convince skeptics the cure was scientifically valid. Null brought patients' charts to every program, urging them to keep an open mind: “Other physicians and public health officials should know that there's good science in the alternative perspective. It may not be a therapy that they're familiar with, because they're just not trained in it, but if the results are positive, and you can document them…” He challenged doubters to send in charts from their own sero-deconverted patients on AZT, and volunteered to debate proponents of the orthodox treatment paradigm - though the NIH and WHO both refused to participate in such a debate on Tony Brown's Journal, following Fauci's directive prohibiting engagement with forbidden ideas.    Aside from those few TV programs and Null's own films, suppression of Null's AIDS cure beyond word of mouth was total. The 2021 documentary The Cost of Denial, produced by the Society for Independent Journalists, tells the story of the Tri-State Healing Center and the medical paradigm that sought to destroy it, lamenting the loss of the lives that might have been saved in a more enlightened society. Nurse practitioner Luanne Pennesi, who treated many of the AIDS patients at the Center, speculated in the film that the refusal by the scientific establishment and AIDS activists to accept their successes was financially motivated. “It was as if they didn't want this information to get out. Understand that our healthcare system as we know it is a corporation, it's a corporate model, and it's about generating revenue. My concern was that maybe they couldn't generate enough revenue from these natural approaches.”5   Funding was certainly the main disciplinary tool Fauci's NIAID used to keep the scientific community in line. Despite the massive community interest in the work being done at the Center, no foundation or institution would defy Fauci and risk getting itself blacklisted, leaving Null to continue funding the operation out of his pocket with the profits from book sales. After 15 years, he left the Center in 1995, convinced the mainstream model had so thoroughly been institutionalized that there was no chance of overthrowing it. He has continued to counsel patients and advocate for a reappraisal of the HIV=AIDS hypothesis and its pharmaceutical treatments, highlighting the deeply flawed science underpinning the model of the disease espoused by the scientific establishment in 39 articles, six documentaries and a 700-page textbook on AIDS, but the Center's achievements have been effectively memory-holed by Fauci's multi-billion-dollar propaganda apparatus.     FRUIT OF THE POISONOUS TREE   To understand just how much of a threat Null's work was to the HIV/AIDS establishment, it is instructive to revisit the 1984 paper, published by Dr. Robert Gallo of the National Cancer Institute, that established HIV as the sole cause of AIDS. The CDC's official recognition of AIDS in 1981 had done little to quell the mounting public panic over the mysterious illness afflicting gay men in the US, as the agency had effectively admitted it had no idea what was causing them to sicken and die. As years passed with no progress determining the causative agent of the plague, activist groups like Gay Men's Health Crisis disrupted public events and threatened further mass civil disobedience as they excoriated the NIH for its sluggish allocation of government science funding to uncovering the cause of the “gay cancer.”6 When Gallo published his paper declaring that the retrovirus we now know as HIV was the sole “probable” cause of AIDS, its simple, single-factor hypothesis was the answer to the scientific establishment's prayers. This was particularly true for Fauci, as the NIAID chief was able to claim the hot new disease as his agency's own domain in what has been described as a “dramatic confrontation” with his rival Sam Broder at the National Cancer Institute. After all, Fauci pointed out, Gallo's findings - presented by Health and Human Services Secretary Margaret Heckler as if they were gospel truth before any other scientists had had a chance to inspect them, never mind conduct a full peer review - clearly classified AIDS as an infectious disease, and not a cancer like the Kaposi's sarcoma which was at the time its most visible manifestation. Money and media attention began pouring in, even as funding for the investigation of other potential causes of AIDS dried up. Having already patented a diagnostic test for “his” retrovirus before introducing it to the world, Gallo was poised for a financial windfall, while Fauci was busily leveraging the discovery into full bureaucratic empire of the US scientific apparatus.   While it would serve as the sole basis for all US government-backed AIDS research to follow - quickly turning Gallo into the most-cited scientist in the world during the 1980s,7 Gallo's “discovery” of HIV was deeply problematic. The sample that yielded the momentous discovery actually belonged to Prof. Luc Montagnier of the French Institut Pasteur, a fact Gallo finally admitted in 1991, four years after a lawsuit from the French government challenged his patent on the HIV antibody test, forcing the US government to negotiate a hasty profit-sharing agreement between Gallo's and Montagnier's labs. That lawsuit triggered a cascade of official investigations into scientific misconduct by Gallo, and evidence submitted during one of these probes, unearthed in 2008 by journalist Janine Roberts, revealed a much deeper problem with the seminal “discovery.” While Gallo's co-author, Mikulas Popovic, had concluded after numerous experiments with the French samples that the virus they contained was not the cause of AIDS, Gallo had drastically altered the paper's conclusion, scribbling his notes in the margins, and submitted it for publication to the journal Science without informing his co-author.   After Roberts shared her discovery with contacts in the scientific community, 37 scientific experts wrote to the journal demanding that Gallo's career-defining HIV paper be retracted from Science for lacking scientific integrity.8 Their call, backed by an endorsement from the 2,600-member scientific organization Rethinking AIDS, was ignored by the publication and by the rest of mainstream science despite - or perhaps because of - its profound implications.   That 2008 letter, addressed to Science editor-in-chief Bruce Alberts and copied to American Association for the Advancement of Science CEO Alan Leshner, is worth reproducing here in its entirety, as it utterly dismantles Gallo's hypothesis - and with them the entire HIV is the sole cause of AIDS dogma upon which the contemporary medical model of the disease rests:   On May 4, 1984 your journal published four papers by a group led by Dr. Robert Gallo. We are writing to express our serious concerns with regard to the integrity and veracity of the lead paper among these four of which Dr. Mikulas Popovic is the lead author.[1] The other three are also of concern because they rely upon the conclusions of the lead paper .[2][3][4]  In the early 1990s, several highly critical reports on the research underlying these papers were produced as a result of governmental inquiries working under the supervision of scientists nominated by the National Academy of Sciences and the Institute of Medicine. The Office of Research Integrity of the US Department of Health and Human Services concluded that the lead paper was “fraught with false and erroneous statements,” and that the “ORI believes that the careless and unacceptable keeping of research records...reflects irresponsible laboratory management that has permanently impaired the ability to retrace the important steps taken.”[5] Further, a Congressional Subcommittee on Oversight and Investigations led by US Representative John D. Dingell of Michigan produced a staff report on the papers which contains scathing criticisms of their integrity.[6]  Despite the publically available record of challenges to their veracity, these papers have remained uncorrected and continue to be part of the scientific record.  What prompts our communication today is the recent revelation of an astonishing number of previously unreported deletions and unjustified alterations made by Gallo to the lead paper. There are several documents originating from Gallo's laboratory that, while available for some time, have only recently been fully analyzed. These include a draft of the lead paper typewritten by Popovic which contains handwritten changes made to it by Gallo.[7] This draft was the key evidence used in the above described inquiries to establish that Gallo had concealed his laboratory's use of a cell culture sample (known as LAV) which it received from the Institut Pasteur.  These earlier inquiries verified that the typed manuscript draft was produced by Popovic who had carried out the recorded experiment while his laboratory chief, Gallo, was in Europe and that, upon his return, Gallo changed the document by hand a few days before it was submitted to Science on March 30, 1984. According to the ORI investigation, “Dr. Gallo systematically rewrote the manuscript for what would become a renowned LTCB [Gallo's laboratory at the National Cancer Institute] paper.”[5]  This document provided the important evidence that established the basis for awarding Dr. Luc Montagnier and Dr. Francoise Barré-Sinoussi the 2008 Nobel Prize in Medicine for the discovery of the AIDS virus by proving it was their samples of LAV that Popovic used in his key experiment. The draft reveals that Popovic had forthrightly admitted using the French samples of LAV renamed as Gallo's virus, HTLV-III, and that Gallo had deleted this admission, concealing their use of LAV.  However, it has not been previously reported that on page three of this same document Gallo had also deleted Popovic's unambiguous statement that, "Despite intensive research efforts, the causative agent of AIDS has not yet been identified,” replacing it in the published paper with a statement that said practically the opposite, namely, “That a retrovirus of the HTLV family might be an etiologic agent of AIDS was suggested by the findings.”  It is clear that the rest of Popovic's typed paper is entirely consistent with his statement that the cause of AIDS had not been found, despite his use of the French LAV. Popovic's final conclusion was that the culture he produced “provides the possibility” for detailed studies. He claimed to have achieved nothing more. At no point in his paper did Popovic attempt to prove that any virus caused AIDS, and it is evident that Gallo concealed these key elements in Popovic's experimental findings.  It is astonishing now to discover these unreported changes to such a seminal document. We can only assume that Gallo's alterations of Popovic's conclusions were not highlighted by earlier inquiries because the focus at the time was on establishing that the sample used by Gallo's lab came from Montagnier and was not independently collected by Gallo. In fact, the only attention paid to the deletions made by Gallo pertains to his effort to hide the identity of the sample. The questions of whether Gallo and Popovic's research proved that LAV or any other virus was the cause of AIDS were clearly not considered.  Related to these questions are other long overlooked documents that merit your attention. One of these is a letter from Dr. Matthew A. Gonda, then Head of the Electron Microscopy Laboratory at the National Cancer Institute, which is addressed to Popovic, copied to Gallo and dated just four days prior to Gallo's submission to Science.[8] In this letter, Gonda remarks on samples he had been sent for imaging because “Dr Gallo wanted these micrographs for publication because they contain HTLV.” He states, “I do not believe any of the particles photographed are of HTLV-I, II or III.” According to Gonda, one sample contained cellular debris, while another had no particles near the size of a retrovirus. Despite Gonda's clearly worded statement, Science published on May 4, 1984 papers attributed to Gallo et al with micrographs attributed to Gonda and described unequivocally as HTLV-III.  In another letter by Gallo, dated one day before he submitted his papers to Science, Gallo states, “It's extremely rare to find fresh cells [from AIDS patients] expressing the virus... cell culture seems to be necessary to induce virus,” a statement which raises the possibility he was working with a laboratory artifact. [9]  Included here are copies of these documents and links to the same. The very serious flaws they reveal in the preparation of the lead paper published in your journal in 1984 prompts our request that this paper be withdrawn. It appears that key experimental findings have been concealed. We further request that the three associated papers published on the same date also be withdrawn as they depend on the accuracy of this paper.  For the scientific record to be reliable, it is vital that papers shown to be flawed, or falsified be retracted. Because a very public record now exists showing that the Gallo papers drew unjustified conclusions, their withdrawal from Science is all the more important to maintain integrity. Future researchers must also understand they cannot rely on the 1984 Gallo papers for statements about HIV and AIDS, and all authors of papers that previously relied on this set of four papers should have the opportunity to consider whether their own conclusions are weakened by these revelations.      Gallo's handwritten revision, submitted without his colleague's knowledge despite multiple experiments that failed to support the new conclusion, was the sole foundation for the HIV=AIDS hypothesis. Had Science published the manuscript the way Popovic had typed it, there would be no AIDS “pandemic” - merely small clusters of people with AIDS. Without a viral hypothesis backing the development of expensive and deadly pharmaceuticals, would Fauci have allowed these patients to learn about the cure that existed all along?   Faced with a potential rebellion, Fauci marshaled the full resources under his control to squelch the publication of the investigations into Gallo and restrict any discussion of competing hypotheses in the scientific and mainstream press, which had been running virus-scare stories full-time since 1984. The effect was total, according to biochemist Dr. Kary Mullis, inventor of the polymerase chain reaction (PCR) procedure. In a 2009 interview, Mullis recalled his own shock when he attempted to unearth the experimental basis for the HIV=AIDS hypothesis. Despite his extensive inquiry into the literature, “there wasn't a scientific reference…[that] said ‘here's how come we know that HIV is the probable cause of AIDS.' There was nothing out there like that.”9 This yawning void at the core of HIV/AIDS “science" turned him into a strident critic of AIDS dogma - and those views made him persona non grata where the scientific press was concerned, suddenly unable to publish a single paper despite having won the Nobel Prize for his invention of the PCR test just weeks before.  10   DISSENT BECOMES “DENIAL”   While many of those who dissent from the orthodox HIV=AIDS view believe HIV plays a role in the development of AIDS, they point to lifestyle and other co-factors as being equally if not more important. Individuals who test positive for HIV can live for decades in perfect health - so long as they don't take AZT or the other toxic antivirals fast-tracked by Fauci's NIAID - but those who developed full-blown AIDS generally engaged in highly risky behaviors like extreme promiscuity and prodigious drug abuse, contracting STDs they took large quantities of antibiotics to treat, further running down their immune systems. While AIDS was largely portrayed as a “gay disease,” it was only the “fast track” gays, hooking up with dozens of partners nightly in sex marathons fueled by “poppers” (nitrate inhalants notorious for their own devastating effects on the immune system), who became sick. Kaposi's sarcoma, one of the original AIDS-defining conditions, was widespread among poppers-using gay men, but never appeared among IV drug users or hemophiliacs, the other two main risk groups during the early years of the epidemic. Even Robert Gallo himself, at a 1994 conference on poppers held by the National Institute on Drug Abuse, would admit that the previously-rare form of skin cancer surging among gay men was not primarily caused by HIV - and that it was immune stimulation, rather than suppression, that was likely responsible.11 Similarly, IV drug users are often riddled with opportunistic infections as their habit depresses the immune system and their focus on maintaining their addiction means that healthier habits - like good nutrition and even basic hygiene - fall by the wayside.    Supporting the call for revising the HIV=AIDS hypothesis to include co-factors is the fact that the mass heterosexual outbreaks long predicted by Fauci and his ilk in seemingly every country on Earth have failed to materialize, except - supposedly - in Africa, where the diagnostic standard for AIDS differs dramatically from those of the West. Given the prohibitively high cost of HIV testing for poor African nations, the WHO in 1985 crafted a diagnostic loophole that became known as the “Bangui definition,” allowing medical professionals to diagnose AIDS in the absence of a test using just clinical symptoms: high fever, persistent cough, at least 30 days of diarrhea, and the loss of 10% of one's body weight within two months. Often suffering from malnutrition and without access to clean drinking water, many of the inhabitants of sub-Saharan Africa fit the bill, especially when the WHO added tuberculosis to the list of AIDS-defining illnesses in 1993 - a move which may be responsible for as many as one half of African “AIDS” cases, according to journalist Christine Johnson. The WHO's former Chief of Global HIV Surveillance, James Chin, acknowledged their manipulation of statistics, but stressed that it was the entire AIDS industry - not just his organization - perpetrating the fraud. “There's the saying that, if you knew what sausages are made of, most people would hesitate to sort of eat them, because they wouldn't like what's in it. And if you knew how HIV/AIDS numbers are cooked, or made up, you would use them with extreme caution,” Chin told an interviewer in 2009.12   With infected numbers stubbornly remaining constant in the US despite Fauci's fearmongering projections of the looming heterosexually-transmitted plague, the CDC in 1993 broadened its definition of AIDS to include asymptomatic (that is, healthy) HIV-positive people with low T-cell counts - an absurd criteria given that an individual's T-cell count can fluctuate by hundreds within a single day. As a result, the number of “AIDS cases” in the US immediately doubled. Supervised by Fauci, the NIAID had been quietly piling on diseases into the “AIDS-related” category for years, bloating the list from just two conditions - pneumocystis carinii pneumonia and Kaposi's sarcoma - to 30 so fast it raised eyebrows among some of science's leading lights. Deeming the entire process “bizarre” and unprecedented, Kary Mullis wondered aloud why no one had called the AIDS establishment out: “There's something wrong here. And it's got to be financial.”13   Indeed, an early CDC public relations campaign was exposed by the Wall Street Journal in 1987 as having deliberately mischaracterized AIDS as a threat to the entire population so as to garner increased public and private funding for what was very much a niche issue, with the risk to average heterosexuals from a single act of sex “smaller than the risk of ever getting hit by lightning.” Ironically, the ads, which sought to humanize AIDS patients in an era when few Americans knew anyone with the disease and more than half the adult population thought infected people should be forced to carry cards warning of their status, could be seen as a reaction to the fear tactics deployed by Fauci early on.14   It's hard to tell where fraud ends and incompetence begins with Gallo's HIV antibody test. Much like Covid-19 would become a “pandemic of testing,” with murder victims and motorcycle crashes lumped into “Covid deaths” thanks to over-sensitized PCR tests that yielded as many as 90% false positives,15 HIV testing is fraught with false positives - and unlike with Covid-19, most people who hear they are HIV-positive still believe they are receiving a death sentence. Due to the difficulty of isolating HIV itself from human samples, the most common diagnostic tests, ELISA and the Western Blot, are designed to detect not the virus but antibodies to it, upending the traditional medical understanding that the presence of antibodies indicates only exposure - and often that the body has actually vanquished the pathogen. Patients are known to test positive for HIV antibodies in the absence of the virus due to at least 70 other conditions, including hepatitis, lupus, rheumatoid arthritis, syphilis, recent vaccination or even pregnancy. (https://www.chcfl.org/diseases-that-can-cause-a-false-positive-hiv-test/) Positive results are often followed up with a PCR “viral load” test, even though the inventor of the PCR technique Kary Mullis famously condemned its misuse as a tool for diagnosing infection. Packaging inserts for all three tests warn the user that they cannot be reliably used to diagnose HIV.16 The ELISA HIV antibody test explicitly states: “At present there is no recognized standard for establishing the presence and absence of HIV antibody in human blood.”17   That the public remains largely unaware of these and other massive holes in the supposedly airtight HIV=AIDS=DEATH paradigm is a testament to Fauci's multi-layered control of the press. Like the writers of the Great Barrington Declaration and other Covid-19 dissidents, scientists who question HIV/AIDS dogma have been brutally punished for their heresy, no matter how prestigious their prior standing in the field and no matter how much evidence they have for their own claims. In 1987, the year the FDA's approval of AZT made AIDS the most profitable epidemic yet (a dubious designation Covid-19 has since surpassed), Fauci made it clearer than ever that scientific inquiry and debate - the basis of the scientific method - would no longer be welcome in the American public health sector, eliminating retrovirologist Peter Duesberg, then one of the most prominent opponents of the HIV=AIDS hypothesis, from the scientific conversation with a professional disemboweling that would make a cartel hitman blush. Duesberg had just eviscerated Gallo's 1984 HIV paper with an article of his own in the journal Cancer Research, pointing out that retroviruses had never before been found to cause a single disease in humans - let alone 30 AIDS-defining diseases. Rather than allow Gallo or any of the other scientists in his camp to respond to the challenge, Fauci waged a scorched-earth campaign against Duesberg, who had until then been one of the most highly regarded researchers in his field. Every research grant he requested was denied; every media appearance was canceled or preempted. The University of California at Berkeley, unable to fully fire him due to tenure, took away his lab, his graduate students, and the rest of his funding. The few colleagues who dared speak up for him in public were also attacked, while enemies and opportunists were encouraged to slander Duesberg at the conferences he was barred from attending and in the journals that would no longer publish his replies. When Duesberg was summoned to the White House later that year by then-President Ronald Reagan to debate Fauci on the origins of AIDS, Fauci convinced the president to cancel, allegedly pulling rank on the Commander-in-Chief with an accusation that the “White House was interfering in scientific matters that belonged to the NIH and the Office of Science and Technology Assessment.” After seven years of this treatment, Duesberg was contacted by NIH official Stephen O'Brien and offered an escape from professional purgatory. He could have “everything back,” he was told, and shown a manuscript of a scientific paper - apparently commissioned by the editor of the journal Nature - “HIV Causes AIDS: Koch's Postulates Fulfilled” with his own name listed alongside O'Brien's as an author.18 His refusal to take the bribe effectively guaranteed the epithet “AIDS denier” will appear on his tombstone. The character assassination of Duesberg became a template that would be deployed to great effectiveness wherever Fauci encountered dissent - never debate, only demonize, deplatform and destroy.    Even Luc Montagnier, the real discoverer of HIV, soon found himself on the wrong side of the Fauci machine. With his 1990 declaration that “the HIV virus [by itself] is harmless and passive, a benign virus,” Montagnier began distancing himself from Gallo's fraud, effectively placing a target on his own back. In a 1995 interview, he elaborated: “four factors that have come together to account for the sudden epidemic [of AIDS]: HIV presence, immune hyper-activation, increased sexually transmitted disease incidence, sexual behavior changes and other behavioral changes” such as drug use, poor nutrition and stress - all of which he said had to occur “essentially simultaneously” for HIV to be transmitted, creating the modern epidemic. Like the professionals at the Tri-State Healing Center, Montagnier advocated for the use of antioxidants like vitamin C and N-acetyl cysteine, naming oxidative stress as a critical factor in the progression from HIV to AIDS.19 When Montagnier died in 2022, Fauci's media mouthpieces sneered that the scientist (who was awarded the Nobel Prize in 2008 for his discovery of HIV, despite his flagging faith in that discovery's significance) “started espousing views devoid of a scientific basis” in the late 2000s, leading him to be “shunned by the scientific community.”20 In a particularly egregious jab, the Washington Post's obit sings the praises of Robert Gallo, implying it was the American scientist who really should have won the Nobel for HIV, while dismissing as “

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  You might have heard some misconceptions about Dual Eligible Special Needs Plans. In this episode we're busting those myths and highlighting D-SNPs' potential!   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: Agent's Guide to Digital Marketing Resources: https://lnk.to/D18qeY Building Client Loyalty: More than Just a Plan: https://ritterim.com/blog/building-client-loyalty-more-than-just-a-plan/ Changes to Medicare in 2025 Affect Dual Eligible Special Needs Plans: https://lnk.to/tj8oG1 Diversify Your Insurance Portfolio & Reap Real Rewards: https://ritterim.com/blog/diversify-your-insurance-portfolio-and-reap-real-rewards/ Get Your Insurance Portfolio Reviewed for FREE: https://ritterim.com/portfolio/ How Relationship Marketing Can Make the Difference in Your Agency: https://lnk.to/asg642 Register with Ritter Insurance Marketing: https://app.ritterim.com/public/registration/ The Beginner's Guide to D-SNPs: https://lnk.to/asg648   References: Freed, Salama, et al. “10 Things to Know about Medicare Advantage Dual-Eligible Special Needs Plans (D-Snps).” KFF, KFF, https://www.kff.org/medicare/issue-brief/10-things-to-know-about-medicare-advantage-dual-eligible-special-needs-plans-d-snps/. Accessed 31 Jan. 2025. Pena, Maria T., et al. “A Profile of Medicare-Medicaid Enrollees (Dual Eligibles).” KFF, KFF, 17 Feb. 2023, https://www.kff.org/medicare/issue-brief/a-profile-of-medicare-medicaid-enrollees-dual-eligibles/. “Beneficiaries Dually Eligible for Medicare & Medicaid.” CMS.Gov, Centers for Medicare & Medicaid Services, https://www.cms.gov/outreach-and-education/medicare-learning-network-mln/mlnproducts/downloads/medicare_beneficiaries_dual_eligibles_at_a_glance.pdf. Accessed 31 Jan. 2025. Biniek, Jeannie Fuglesten, et al. “Medicare Advantage in 2024: Enrollment Update and Key Trends.” KFF, KFF, 8 Aug. 2024, https://www.kff.org/medicare/issue-brief/medicare-advantage-in-2024-enrollment-update-and-key-trends/. Johnston, Kenton J., et al. “Nationwide Availability of and Enrollment in Medicare and Medicaid Dual-Eligible Special Needs Plans With Exclusively Aligned Enrollment.” Jama Network, Jama Health Forum, https://jamanetwork.com/journals/jama-health-forum/fullarticle/2824902. Accessed 31 Jan. 2025. “New Special Enrollment Periods (Seps) for Dually Eligible ...” CMS.Gov, Centers for Medicare & Medicaid, https://www.cms.gov/files/document/duals-lissepsjobaid01012025.pdf. Accessed 31 Jan. 2025. “Seniors & Medicare and Medicaid Enrollees.” Medicaid.Gov, https://www.medicaid.gov/medicaid/eligibility/seniors-medicare-and-medicaid-enrollees/index.html. Accessed 31 Jan. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

  The Friday Five for February 21, 2025: Golden Birthday Cake Oreos Return Amazon Kindle Update RFK Jr. Confirmed as HHS Secretary ACA Navigator Program Funding Cut Nursing Home Demand Projections   Golden Birthday Cake Oreos Return: Fink, Bailey. “Oreo Is Releasing 2 New Flavors—and Making One Permanent.” Allrecipes.Com, Allrecipes, 18 Feb. 2025, www.allrecipes.com/oreo-new-cookies-february-2025-11680020. Bivins, Kenn. “Oreo Just Brought Back a ‘GOAT' Flavor That Has Fans ‘Beyond Excited.'” Parade.Com, Parade, 19 Feb. 2025, parade.com/food/oreo-golden-birthday-cake-returns-2025. Robledo, Anthony. “Oreo Reveals New Flavors: Double Chocolate Cakesters and Golden Birthday Cake.” USA Today, Gannett Satellite Information Network, 19 Feb. 2025, www.usatoday.com/story/money/food/2025/02/18/oreo-new-flavors/79126601007/.   Amazon Kindle Update: Liszewski, Andrew. “Amazon's Killing a Feature That Let You Download and Backup Kindle Books.” Theverge.Com, The Verge, 14 Feb. 2025, www.theverge.com/news/612898/amazon-removing-kindle-book-download-transfer-usb. “Download Your Kindle Books ASAP - before Amazon Kills This Feature next Week.” Zdnet.Com, ZDNET, 18 Feb. 2025, www.zdnet.com/article/download-your-kindle-books-asap-before-amazon-kills-this-feature-next-week/. Younker, Scott. “Hurry! Download Your Kindle eBooks before Amazon Won't Let You Anymore.” Tomsguide.Com, Tom's Guide, 19 Feb. 2025, www.tomsguide.com/tablets/e-readers/hurry-download-your-kindle-ebooks-before-amazon-wont-let-you-anymore. Heinzman, Andrew. “Kindle Is Making It Harder to Switch to Rival eReader Brands.” Howtogeek.Com, How-To Geek, 14 Feb. 2025, www.howtogeek.com/kindle-discontinues-download-transfer-via-usb/.   RFK Jr. Confirmed as HHS Secretary: Simmons-Duffin, Selena. “RFK Jr. Confirmed as Trump's Health Secretary, over Democrats' Loud Objections.” Npr.Org, NPR, 13 Feb. 2025, www.npr.org/sections/shots-health-news/2025/02/13/nx-s1-5294591/rfk-jr-trump-health-human-services-hhs-vaccines. Weber, Lauren, and Rachel Roubein. “RFK Jr. Confirmed, Elevating Anti-Vaccine Activist to Nation's Top Health Post.” Washingtonpost.Com, Washington Post, 13 Feb. 2025, www.washingtonpost.com/health/2025/02/13/robert-kennedy-hhs-secretary-confirmation-vote/. Beavins, Emma, and Dave Muoio. “RFK Jr. Sworn in as Head of HHS Following 52-48 Senate Vote.” Fiercehealthcare.Com, Fierce Healthcare, 13 Feb. 2025, www.fiercehealthcare.com/regulatory/senate-confirms-rfk-jr-head-hhs-52-48-vote. Cueto, Isabella. “Robert F. Kennedy Jr. Confirmed by Senate as U.S. Health Secretary.” Statnews.Com, STAT, 13 Feb. 2025, www.statnews.com/2025/02/13/rfk-jr-confirmed-hhs-secretary-vote-vaccine-critic-to-top-trump-health-official/.   ACA Navigator Program Funding Cut: Pestaina, Kaye. “A 90% Cut to the ACA Navigator Program.” KFF.Org, KFF, 18 Feb. 2025, www.kff.org/quick-take/a-90-cut-to-the-aca-navigator-program/. “Biden-Harris Administration Awards $100 Million to Navigators Who Will Help Millions of Americans — Especially in Underserved Communities — Sign Up for Health Coverage.” CMS.Gov, Centers for Medicare and Medicaid Services, 26 Aug. 2024, www.cms.gov/newsroom/press-releases/biden-harris-administration-awards-100-million-navigators-who-will-help-millions-americans. “CMS Announcement on Federal Navigator Program Funding.” CMS.Gov, Centers for Medicare & Medicaid Services, 14 Feb. 2025, www.cms.gov/newsroom/press-releases/cms-announcement-federal-navigator-program-funding. Tong, Noah. “CMS Slashes ACA Navigator Program Funding 90% to $10M.” Fiercehealthcare.Com, Fierce Healthcare, 14 Feb. 2025, www.fiercehealthcare.com/payers/cms-slashes-aca-navigator-program-funding-10-million.   Nursing Home Demand Projections: “CDC WONDER Database.” Wonder.Cdc.Gov, Centers for Disease Control and Prevention, https://wonder.cdc.gov/. Accessed 18 Feb. 2025. Shuman, Taylor. “How Will America's ‘Silver Tsunami' Impact Demand for Nursing Homes?” SeniorLiving.Org, SeniorLiving.org, 23 Jan. 2025, www.seniorliving.org/nursing-homes/nursing-home-demand-projections/. Berger, Chloe. “The Boomer Housing Crisis Is Pacing to Get Even Worse: ‘We've Never Had a Population Pyramid That Looks like This.'” Msn.Com, MSN, 12 Feb. 2025, www.msn.com/en-us/money/realestate/the-boomer-housing-crisis-is-pacing-to-get-even-worse-we-ve-never-had-a-population-pyramid-that-looks-like-this/ar-AA1yUKUG. “The US Population Is Aging.” Urban.Org, Urban Institute, www.urban.org/policy-centers/cross-center-initiatives/program-retirement-policy/projects/data-warehouse/what-future-holds/us-population-aging. Accessed 18 Feb. 2025. “State Health Facts: Average Number of Certified Nursing Facility Beds.” KFF.Org, KFF, 5 Dec. 2024, https://www.kff.org/other/state-indicator/average-number-of-certified-nursing-facility-beds/. “State Health Facts: Total Number of Certified Nursing Facilities.” KFF.Org, KFF, 5 Dec. 2024, https://www.kff.org/other/state-indicator/number-of-nursing-facilities/.   Resources: 5 Types of Content to Share on Social Media: https://lnk.to/asgf20250131  Best eBook & Audiobook Apps: https://lnk.to/WsIGZ5 Guidelines for Sharing Personal Beneficiary Data with Other TPMOs: https://lnk.to/asg647 MedicareCENTER FAQs: https://lnk.to/asg645 PlanEnroll FAQs: https://lnk.to/asg646  The Postseason Game Plan for Agents: https://lnk.to/asgf20250214   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://x.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Not affiliated with or endorsed by Medicare or any government agency.

  Medicare Supplement Plans offer many options to cover gaps in your client's coverage. Learn more about plans K, L, M, and N to help your client find the right one for them.   Read the text version    Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 2025 Medicare Part A and Part B Premiums and Deductibles: https://ritterim.com/blog/2025-medicare-part-a-and-part-b-premiums-and-deductibles/ Events & Webinars with Ritter: https://ritterim.com/events/ Get a FREE Portfolio Review: https://ritterim.com/portfolio/ The Value of Plan N for Medicare Shoppers ft. Ted Sims: https://lnk.to/ASGtedsims   References: “Compare Medigap Plan Benefits.” Medicare, Medicare, https://www.medicare.gov/health-drug-plans/medigap/basics/compare-plan-benefits. Accessed 29 Jan. 2025. Freed, Meredith, Nancy Ochieng, et al. “Key Facts about Medigap Enrollment and Premiums for Medicare Beneficiaries.” KFF, KFF, 18 Oct. 2024, https://www.kff.org/medicare/issue-brief/key-facts-about-medigap-enrollment-and-premiums-for-medicare-beneficiaries/. “Market Advisor.” CSG Actuarial, CSG Actuarial, https://csg-actuarial-wordpress.appspot.com/software/market-advisor/. Accessed 29 Jan. 2025.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

Trump and Republican candidates made rolling back federal protections for transgender people a big issue, spending hundreds of millions of dollars on TV ads, much of it focused on gender-affirming care for minors. Despite the attention, a new study finds that gender-affirming medications are very rarely prescribed to adolescents. John Yang speaks with KFF's Lindsey Dawson to learn more. PBS News is supported by - https://www.pbs.org/newshour/about/funders

Trump and Republican candidates made rolling back federal protections for transgender people a big issue, spending hundreds of millions of dollars on TV ads, much of it focused on gender-affirming care for minors. Despite the attention, a new study finds that gender-affirming medications are very rarely prescribed to adolescents. John Yang speaks with KFF's Lindsey Dawson to learn more. PBS News is supported by - https://www.pbs.org/newshour/about/funders

Trump and Republican candidates made rolling back federal protections for transgender people a big issue, spending hundreds of millions of dollars on TV ads, much of it focused on gender-affirming care for minors. Despite the attention, a new study finds that gender-affirming medications are very rarely prescribed to adolescents. John Yang speaks with KFF's Lindsey Dawson to learn more. PBS News is supported by - https://www.pbs.org/newshour/about/funders

From a new so-called Department of Government Efficiency to an incoming Republican Congress, deep cuts to the federal government are promised this year. Among areas to be reviewed are Medicaid and Medicare. But that spending is popular among voters — Republicans and Democrat alike, according to a new poll from the health research organization KFF. But first, California officials are launching a new effort to help people navigate the insurance maze this weekend.

From a new so-called Department of Government Efficiency to an incoming Republican Congress, deep cuts to the federal government are promised this year. Among areas to be reviewed are Medicaid and Medicare. But that spending is popular among voters — Republicans and Democrat alike, according to a new poll from the health research organization KFF. But first, California officials are launching a new effort to help people navigate the insurance maze this weekend.

  Rapid disenrollments don't have to happen to you! Learn how better communication can smooth over most Medicare plan disenrollment issues.   Read the text version   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 4 Ways PlanEnroll Will Make This Your Best AEP Yet: https://lnk.to/cdV0H1   7 Reasons Clients Switch Medicare Plans During AEP: https://lnk.to/ij9pUb   Do's and Don'ts of Medicare Compliance: https://ritterim.com/blog/dos-and-donts-of-medicare-compliance/    Fact-Finder PDF Download: https://ritterim.com/documents/ritter-fact-finder.pdf   Get Your PlanEnroll Site: https://ritterim.com/planenroll/   Helping Clients Navigate Medicare's Durable Medical Equipment Coverage: https://ritterim.com/blog/helping-clients-navigate-medicares-durable-medical-equipment-coverage/ How Much Money Can Agents Make Selling Ancillary Health Insurance? https://ritterim.com/blog/how-much-money-can-agents-make-selling-ancillary-health-insurance/ How to Follow up with Medicare Clients Compliantly: https://ritterim.com/blog/how-to-follow-up-with-medicare-clients-compliantly/     Integrity Tools for Insurance Agents: https://ritterim.com/integrity-tools/     Medicare Advantage Emergency-Related SEPs: https://ritterim.com/blog/medicare-advantage-emergency-related-seps/ Medicare Advantage Open Enrollment Do's and Don'ts: https://lnk.to/LFWWKK    Medicare Grievances & How Insurance Agents Can (Try To) Prevent Them: https://ritterim.com/blog/medicare-grievances-how-insurance-agents-can-try-to-prevent-them/    Medicare Advantage Trial Rights Explained for Agents: https://lnk.to/rQY3Hp   Start Selling 5-Star Medicare Advantage Plans All Year: https://ritterim.com/blog/start-selling-5-star-medicare-advantage-plans-all-year/    What Beneficiaries Value Most in Medicare Advantage Plans: https://ritterim.com/blog/what-beneficiaries-value-most-in-medicare-advantage-plans/    What to Know About SOAs in Medicare Health and Prescription Drug Plan Sales: https://ritterim.com/blog/what-to-know-about-soas-in-medicare-health-and-prescription-drug-plan-sales/    References: “Low Incomes, Little Savings: Many Medicare Beneficiaries Have Modest Financial Resources to Draw Upon in Retirement.” KFF.Org, KFF, 5 Feb. 2024, www.kff.org/medicare/press-release/low-incomes-little-savings-many-medicare-beneficiaries-have-modest-financial-resources-to-draw-upon-in-retirement/.   “Medicare Advantage Communication Requirements.” Code of Federal Regulations, National Archives and Records Administration, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-422/subpart-V. Accessed 6 Jan. 2025.   “Outbound Education and Verification Calls to All New Enrollees.” CMS.Gov, Centers for Medicare & Medicaid Services, www.cms.gov/Medicare/Health-Plans/ManagedCareMarketing/downloads/MMGSection70-6Rev.pdf. Accessed 6 Jan. 2025.   “Part D Communication Requirements.” Code of Federal Regulations, National Archives and Records Administration, www.ecfr.gov/current/title-42/chapter-IV/subchapter-B/part-423/subpart-V. Accessed 6 Jan. 2025.   Sparks, Grace, et al. “Public Opinion on Prescription Drugs and Their Prices.” KFF.Org, KFF, 4 Oct. 2024, www.kff.org/health-costs/poll-finding/public-opinion-on-prescription-drugs-and-their-prices/.     Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/    Not affiliated with or endorsed by Medicare or any government agency. 

Avsnitt 457 av Sveriges nyfiknaste fotbollspodd gästas av Svante Ingelsson. Sheffield W-spelaren talar om livet i engelska Championship, om fördomarna mot spelet som kom på skam, om det galna matchandet, om att få rotera på flera platser i laget, om målet att ta klubben till playoff, om förhoppningarna om Premier League och om vad som skiljer i inramning mellan engelska och tyska andraligan.Dessutom berättar Ingelsson om vägen fram till Kalmar FF:s A-lag, om Henrik Rydströms utbrott som ungdomstränare, om tacksamheten gentemot Rydström för utvecklingen, om sorgen över KFF:s nedflyttning, om skadorna som satte stopp i Serie A, om svårigheten som lånespelare, om att bli nästan utbränd i samband med pandemin och om den härliga tiden i den tyska klassikerklubben. Hosted on Acast. See acast.com/privacy for more information.

    January 10, 2025: Sarah's 2025 Goals Highlights from CES 2025 First HIPAA Update Since 2013 ACA DACA Enrollment Eligibility Update 2025 ACA Enrollment Snapshot #2   Sarah's 2025 Goals: Cement City: https://www.cementcity.org/   Highlights from CES 2025: Carlson, Jeff. “CES 2025: We're Obsessed With These 28 New Products So Far.” CNET.Com, CNET, 9 Jan. 2025, www.cnet.com/pictures/ces-2025-were-obsessed-with-these-28-new-products-so-far/. Kastrenakes, Jacob. “CES 2025: All the News, Gadgets, and Surprises.” Theverge.Com, The Verge, 4 Jan. 2025, www.theverge.com/2025/1/4/24307731/ces-2025-tvs-gaming-smart-home-wearables-news. Halliday AI Glasses: https://hallidayglobal.com/products/reservation  Ortiz, Sabrina. “Halliday Just Unveiled the AI Glasses That Meta, Google and Apple Have Been Trying to Build.” ZDNET.Com, ZDNET, 8 Jan. 2025, www.zdnet.com/article/halliday-just-unveiled-the-ai-glasses-that-meta-google-and-apple-have-been-trying-to-build/. Mirumi: https://mirumi.ux-xu.com/ Segway Navimov X3 Series: https://navimow.segway.com/uk/product/navimow-x.html Stolyar, Brenda. “The 31 Best Gadgets From CES 2025 You Can Buy Right Now.” Wired.Com, Conde Nast, 9 Jan. 2025, www.wired.com/story/the-gadgets-from-ces-2025-you-can-buy-right-now/. Weatherbed, Jess. “These Smart Glasses Have a Tiny Little Screen Hidden in the Frame.” Theverge.Com, The Verge, 6 Jan. 2025, www.theverge.com/2025/1/5/24334030/halliday-smart-glasses-ai-tiny-display-frame-availability-price-ces.   First HIPAA Update Since 2013: Olsen, Emily. “HHS Proposes HIPAA Update to Boost Healthcare Cybersecurity.” Healthcaredive.Com, Healthcare Dive, 3 Jan. 2025, www.healthcaredive.com/news/hhs-hipaa-security-rule-update-cybersecurity/736451/. Beavins, Emma. “HHS Proposes New Cybersecurity Requirements as First Major HIPAA Update in 10 Years.” Fiercehealthcare.Com, Fierce Healthcare, 7 Jan. 2025, www.fiercehealthcare.com/regulatory/hhs-proposes-cybersecurity-updates-healthcare-organizations. “HIPAA Security Rule To Strengthen the Cybersecurity of Electronic Protected Health Information.” Federalregister.Gov, Federal Register, 6 Jan. 2025, www.federalregister.gov/documents/2025/01/06/2024-30983/hipaa-security-rule-to-strengthen-the-cybersecurity-of-electronic-protected-health-information.   ACA DACA Enrollment Eligibility Update: “DACA Eligibility Update.” Khbe.Ky.Gov, Kynect Health Coverage, khbe.ky.gov/Agents-kynectors/Documents/kynector-FAQ.pdf. Accessed 9 Jan. 2025. “HHS Final Rule Clarifying the Eligibility of Deferred Action for Childhood Arrivals (DACA) Recipients and Certain Other Noncitizens.” CMS.Gov, Centers for Medicare & Medicaid Services, 3 May 2024, www.cms.gov/newsroom/fact-sheets/hhs-final-rule-clarifying-eligibility-deferred-action-childhood-arrivals-daca-recipients-and-certain. “Immigration Status to Qualify for the Marketplace.” HealthCare.Gov, Centers for Medicare & Medicaid Services, www.healthcare.gov/immigrants/immigration-status/. Accessed 9 Jan. 2025. “Kansas et al. v. United States of America et Al..” Litigationtracker.Law.Georgetown.Edu, Georgetown University, 2 Jan. 2025, litigationtracker.law.georgetown.edu/litigation/kansas-et-al-v-united-states-of-america-et-al/. Pillair, Drishti, and Samantha Artiga. “Overview and Implications of the ACA Marketplace Expansion to DACA Recipients.” KFF.Org, KFF, 6 Jan. 2025, www.kff.org/racial-equity-and-health-policy/issue-brief/overview-and-implications-of-the-aca-marketplace-expansion-to-daca-recipients/. “Recent Court Decisions Impacting the Marketplace.” HealthCare.Gov, Centers for Medicare & Medicaid Services, www.healthcare.gov/court-decisions/. Accessed 9 Jan. 2025. “State-Based Marketplaces: 2025 Open Enrollment.” CMS.Gov, Centers for Medicare & Medicaid Services, 17 Oct. 2024, www.cms.gov/files/document/state-exchange-oe-chart-py-2025.pdf. “State Health Insurance Marketplace Types, 2025.” KFF.Org, KFF, 26 Oct. 2024, www.kff.org/affordable-care-act/state-indicator/state-health-insurance-marketplace-types/. “State of Kansas, et al. Appellees v. United States of America and Centers for Medicare & Medicaid Services Appellants.” Litigationtracker.Law.Georgetown.Edu, Georgetown University, litigationtracker.law.georgetown.edu/wp-content/uploads/2024/12/Kansas_2024.12.16_ORDER.pdf. Accessed 9 Jan. 2025.   2025 ACA Enrollment Snapshot #2: “Marketplace 2024 Open Enrollment Period Report: Final National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 24 Jan. 2024, www.cms.gov/newsroom/fact-sheets/marketplace-2024-open-enrollment-period-report-final-national-snapshot. “Marketplace 2025 Open Enrollment Period Report: National Snapshot.” CMS.Gov, Centers for Medicare & Medicaid Services, 8 Jan. 2025, www.cms.gov/newsroom/fact-sheets/marketplace-2025-open-enrollment-period-report-national-snapshot-1. “Nearly 24 Million Consumers Have Selected Affordable Health Coverage in ACA Marketplace, With Time Left to Enroll.” CMS.Gov, Centers for Medicare & Medicaid Services, 8 Jan. 2025, www.cms.gov/newsroom/press-releases/nearly-24-million-consumers-have-selected-affordable-health-coverage-aca-marketplace-time-left.   Resources: 5 Tips for Finding Supplemental Coverage for ACA Plans: https://lnk.to/xDtALf Lessons Learned in 2024: https://lnk.to/asg637 Marketing Trends for 2025: https://lnk.to/asg639 Setting SMART Goals in 2025: https://lnk.to/asgf20250103 Why Gen Z is a Good Fit for Selling Insurance: https://lnk.to/asg640   Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Follow Us on Social!  Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.

    Affordable Care Act Plans offer 10 essential benefits, but your clients may want to additional coverage for dental, vision, hearing, and more. In this episode, learn 5 tips to determine if supplemental coverage is a good option for your clients.   Read the text version    Contact the Agent Survival Guide Podcast! Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail.   Resources: 2025 ACA Exchange & FFM Certification Info: https://lnk.to/ZvnhS8 4 Steps to Selling Dental, Vision, and Hearing Insurance: https://ritterim.com/blog/4-steps-to-selling-dental-vision-and-hearing-insurance/ Diversify Your Insurance Portfolio & Reap Real Rewards: https://ritterim.com/blog/diversify-your-insurance-portfolio-and-reap-real-rewards/ Everything You Need  to Know About the ACA OEP: https://ritterim.com/blog/everything-you-need-to-know-about-the-aca-oep/ Halfway Through ACA OEP ft. Danica Stover & Olivia Williams: https://lnk.to/asg635 Meet Your Ritter Sales Team: https://ritterim.com/meet-your-sales-team/ Questions to Ask Clients Shopping for an ACA Plan: https://lnk.to/ZmW0rd   References: Lunna Lopes, Alex Montero. “Americans' Challenges with Health Care Costs.” KFF, 7 May 2024, https://www.kff.org/health-costs/issue-brief/americans-challenges-with-health-care-costs/. Published: Oct 25, 2024. “Explaining Health Care Reform: Questions about Health Insurance Subsidies.” KFF, 25 Oct. 2024, https://www.kff.org/affordable-care-act/issue-brief/explaining-health-care-reform-questions-about-health-insurance-subsidies/. “Find out What Marketplace Health Insurance Plans Cover.” HealthCare.Gov, https://www.healthcare.gov/coverage/what-marketplace-plans-cover/. Accessed 12 Dec. 2024. “HHS Notice of Benefit and Payment Parameters for 2025 Final Rule.” CMS.Gov, https://www.cms.gov/newsroom/fact-sheets/hhs-notice-benefit-and-payment-parameters-2025-final-rule/. Accessed 12 Dec. 2024. “Health Plan Categories: Bronze, Silver, Gold & Platinum.” HealthCare.Gov, https://www.healthcare.gov/choose-a-plan/plans-categories/.Accessed 12 Dec. 2024. “NHE Fact Sheet.” CMS.Gov, https://www.cms.gov/data-research/statistics-trends-and-reports/national-health-expenditure-data/nhe-fact-sheet/. Accessed 12 Dec. 2024. “Out-of-Pocket Maximum/Limit - Glossary.” HealthCare.Gov, https://www.healthcare.gov/glossary/out-of-pocket-maximum-limit/. Accessed 12 Dec. 2024. Assistant Secretary for Public Affairs (ASPA). “Pre-Existing Conditions.” HHS.Gov, 17 Mar. 2022, https://www.hhs.gov/healthcare/about-the-aca/pre-existing-conditions/index.html. “Report: The Importance of Health Coverage: AHA.” American Hospital Association, https://www.aha.org/guidesreports/report-importance-health-coverage/. Accessed 12 Dec. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance     Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/

In this episode of Assembly Required with Stacey Abrams, Stacey speaks to Dr. Céline Gounder, an infectious disease specialist, epidemiologist and editor at large for public health at KFF Health News, about the threats to public health with the incoming Trump Administration. They talk through Trump's appointees for the nation's top health and science agencies like RFK Jr., how to bring scientific thinking back to policy making, and how to differentiate between public health and individual healthcare. Then Stacey explains how to make change by “power-mapping” an issue, finding out who is responsible for the problem, who has jurisdiction over it, and who is already thinking and talking about solutions. Make sure you subscribe to Assembly Required with Stacey Abrams wherever you get your podcasts and on Youtube, so you don't miss an episode.Learn & Do More:Check out KFF Health News to get health news and read about health policy research, and sign up for their newsletters at KFF.Org/Email

The Pod Save The Word team is off this week, but we're excited to bring you an episode of Assembly Required with Stacey Abrams. In this episode, Stacey speaks to Dr. Céline Gounder, an infectious disease specialist, epidemiologist and editor at large for public health at KFF Health News, about the threats to public health with the incoming Trump Administration. They talk through Trump's appointees for the nation's top health and science agencies like RFK Jr., how to bring scientific thinking back to policy making, and how to differentiate between public health and individual healthcare. Then Stacey explains how to make change by “power-mapping” an issue, finding out who is responsible for the problem, who has jurisdiction over it, and who is already thinking and talking about solutions. Make sure you subscribe to Assembly Required with Stacey Abrams wherever you get your podcasts and on Youtube, so you don't miss an episode. Learn & Do More:Check out KFF Health News to get health news and read about health policy research, and sign up for their newsletters at KFF.Org/Email

Hey smarties! We're on a break for the holidays and revisiting some of our top episodes from 2024. We can't do this show without you and we still need your support. If you can, donate today to keep independent journalism going strong into 2025 and beyond. Give now to support “Make Me Smart.” Thank you so much for your generosity, happy holidays and we'll see you in the new year. In case you haven’t heard, the Summer Olympics aren’t over! This year’s Paralympics kick off in Paris on Aug. 28. It’s the first time all 22 Paralympic events will be aired live, and total broadcast revenues are up by more than 20% from the delayed 2020 Paralympics. Chuck Aoki, an American Paralympic wheelchair rugby player, said content creators like himself are also bringing eyes to the event. On the show today, Aoki breaks down the basics of wheelchair rugby (aka “murderball”), the system that classifies para athletes based on their disability, and why this year's Paralympics are getting more buzz than ever. Then, we’ll get into how pharmaceutical companies’ new direct-to-consumer programs could impact drug prices. And, listeners tell us about the trafficless 1984 Olympics in Los Angeles, and a lesson in credit cards learned the hard, heartbreaking way. Here’s everything we talked about today: “Passion And Guts: Chuck Aoki’s World of Wheelchair Rugby” from Team USA “Paralympic Games in Paris set to reach largest audience after broadcast deals” from The Guardian “What sports are in the Paralympics and how does the classification system work?” from AP News “How to Watch the 2024 Summer Paralympics: Streaming Schedule, Free Options” from Wired “Pfizer Follows Lilly With Website Selling Directly to Patients” from Bloomberg “Eli Lilly lowering weight loss drug prices” from The Hill “Health Insurance Costs Will Rise Steeply if Premium Tax Credit Improvements Expire” from the Center on Budget and Policy Priorities “How Much and Why ACA Marketplace Premiums Are Going Up in 2025” from KFF “Pfizer launches new website for migraine, respiratory offerings” from Reuters “Panama Canal Eases Limits That Caused Global Shipping Bottleneck” from Bloomberg We want to hear your answer to the Make Me Smart question. Leave us a voicemail at 508-U-B-SMART or email us at makemesmart@marketplace.org.

Hey smarties! We're on a break for the holidays and revisiting some of our top episodes from 2024. We can't do this show without you and we still need your support. If you can, donate today to keep independent journalism going strong into 2025 and beyond. Give now to support “Make Me Smart.” Thank you so much for your generosity, happy holidays and we'll see you in the new year. In case you haven’t heard, the Summer Olympics aren’t over! This year’s Paralympics kick off in Paris on Aug. 28. It’s the first time all 22 Paralympic events will be aired live, and total broadcast revenues are up by more than 20% from the delayed 2020 Paralympics. Chuck Aoki, an American Paralympic wheelchair rugby player, said content creators like himself are also bringing eyes to the event. On the show today, Aoki breaks down the basics of wheelchair rugby (aka “murderball”), the system that classifies para athletes based on their disability, and why this year's Paralympics are getting more buzz than ever. Then, we’ll get into how pharmaceutical companies’ new direct-to-consumer programs could impact drug prices. And, listeners tell us about the trafficless 1984 Olympics in Los Angeles, and a lesson in credit cards learned the hard, heartbreaking way. Here’s everything we talked about today: “Passion And Guts: Chuck Aoki’s World of Wheelchair Rugby” from Team USA “Paralympic Games in Paris set to reach largest audience after broadcast deals” from The Guardian “What sports are in the Paralympics and how does the classification system work?” from AP News “How to Watch the 2024 Summer Paralympics: Streaming Schedule, Free Options” from Wired “Pfizer Follows Lilly With Website Selling Directly to Patients” from Bloomberg “Eli Lilly lowering weight loss drug prices” from The Hill “Health Insurance Costs Will Rise Steeply if Premium Tax Credit Improvements Expire” from the Center on Budget and Policy Priorities “How Much and Why ACA Marketplace Premiums Are Going Up in 2025” from KFF “Pfizer launches new website for migraine, respiratory offerings” from Reuters “Panama Canal Eases Limits That Caused Global Shipping Bottleneck” from Bloomberg We want to hear your answer to the Make Me Smart question. Leave us a voicemail at 508-U-B-SMART or email us at makemesmart@marketplace.org.

Hey smarties! We're on a break for the holidays and revisiting some of our top episodes from 2024. We can't do this show without you and we still need your support. If you can, donate today to keep independent journalism going strong into 2025 and beyond. Give now to support “Make Me Smart.” Thank you so much for your generosity, happy holidays and we'll see you in the new year. In case you haven’t heard, the Summer Olympics aren’t over! This year’s Paralympics kick off in Paris on Aug. 28. It’s the first time all 22 Paralympic events will be aired live, and total broadcast revenues are up by more than 20% from the delayed 2020 Paralympics. Chuck Aoki, an American Paralympic wheelchair rugby player, said content creators like himself are also bringing eyes to the event. On the show today, Aoki breaks down the basics of wheelchair rugby (aka “murderball”), the system that classifies para athletes based on their disability, and why this year's Paralympics are getting more buzz than ever. Then, we’ll get into how pharmaceutical companies’ new direct-to-consumer programs could impact drug prices. And, listeners tell us about the trafficless 1984 Olympics in Los Angeles, and a lesson in credit cards learned the hard, heartbreaking way. Here’s everything we talked about today: “Passion And Guts: Chuck Aoki’s World of Wheelchair Rugby” from Team USA “Paralympic Games in Paris set to reach largest audience after broadcast deals” from The Guardian “What sports are in the Paralympics and how does the classification system work?” from AP News “How to Watch the 2024 Summer Paralympics: Streaming Schedule, Free Options” from Wired “Pfizer Follows Lilly With Website Selling Directly to Patients” from Bloomberg “Eli Lilly lowering weight loss drug prices” from The Hill “Health Insurance Costs Will Rise Steeply if Premium Tax Credit Improvements Expire” from the Center on Budget and Policy Priorities “How Much and Why ACA Marketplace Premiums Are Going Up in 2025” from KFF “Pfizer launches new website for migraine, respiratory offerings” from Reuters “Panama Canal Eases Limits That Caused Global Shipping Bottleneck” from Bloomberg We want to hear your answer to the Make Me Smart question. Leave us a voicemail at 508-U-B-SMART or email us at makemesmart@marketplace.org.

Transforming Behavioral Health Care: The Power of Collaboration and TechDescription: Join two leading experts in behavioral health as they dive into the pressing issue of the growing demand for mental health services versus limited access to equitable care in the United States. Discover how the Collaborative Care Model serves as a powerful framework to seamlessly integrate mental health services into primary care, with a focus on expanding access in rural communities. The conversation also explores innovative digital tools that can streamline care coordination and boost patient outcomes, paving the way for a more connected and efficient approach to mental health care.Objectives: Explain the factors contributing to the growing demand for mental health services. Discuss how the Collaborative Care Model can enhance mental health outcomes in various settings while supporting the Quadruple Aim.Discuss the role of digital tools in enhancing care coordination and improving patient outcomes within behavioral health services. Guests:  Luke RaymondSarah Oliver, PhD, MSWBios: Luke RaymondLuke Raymond is an accomplished leader in behavioral health strategy, operations, and innovation, with over 20 years of experience in the field.  A therapist by training, he has spent time in various clinical, strategic, and commercial leadership roles with a strong focus on improving access to care, reducing costs, and delivering effective outcomes. Luke co-authored an article in Psychiatric Times on implementing telepsychiatry in rural settings and has spoken at numerous national conferences, including the Healthcare Information and Management Systems Society (HIMSS), the American Telemedicine Association (ATA), and American Health Insurance Plans (AHIP). Luke has both commercialized and led initiatives that resulted in a 50% reduction in emergency department visits, improved patient and clinician satisfaction and delivered effective digital and virtual care at scale. Luke is certified in trauma-focused cognitive behavioral therapy and integrated primary care therapy.  His clinical interests include ADHD, anxiety, and trauma recovery.  Luke lives with his wife and daughter in central Illinois, where he enjoys endurance running, fishing, and bourbon outside of work.  Sarah Oliver, PhDSarah has nearly 30 years of experience in the social work field as a case manager and psychotherapist. She specializes in working with individuals who have experienced trauma. She earned her PhD in Clinical Social Work with a specialization in military and veterans issues and previously earned her MSW degree in Social Work from the University of Iowa. Sarah is the Director of Counseling at St. Ambrose University in Davenport, IA, and has worked with the college-age population for the last eight years. In addition, Sarah has a private practice where she sees Veterans and first responders who have experienced combat and other forms of trauma. Sarah is no stranger to Veterans or Veterans issues, having spent 17 years as a Clinical Social Worker for the Iowa City VA Health Care System.  During this time Sarah had specialized experience providing care to Homeless and at-risk Veterans and providing psychotherapy to Veterans.  She has been in a variety of front-line social work and leadership roles coordinating with community members and other interested groups to provide the best care to Veterans.     In addition, Sarah has taught as an Adjunct professor at the University of Iowa's School of Social Work for 16 years.  References American Foundation for Suicide Prevention Suicide Statistics, 2024 https://afsp.org/suicide-statistics/World Health Organization, COVID-19 pandemic triggers 25% increase in prevalence of anxiety and depression worldwide, 2022 KFF, KFF/CNN Mental Health In America Survey, 2022 https://www.kff.org/mental-health/report/kff-cnn-mental-health-in-america-survey/American Psychiatric Association Workforce Development, 2024 https://www.psychiatry.org/psychiatrists/advocacy/federal-affairs/workforce-developmentHealth Resources & Services Administration Workforce Projections, 2021 (Source)  National Library of Medicine, Understanding the expanding role of primary care physicians (PCPs) to primary psychiatric care physicians (PPCPs): enhancing the assessment and treatment of psychiatric conditions, 2010 https://pmc.ncbi.nlm.nih.gov/articles/PMC2925161/National Library of Medicine, Rural-urban prescribing patterns by primary care and behavioral health providers in older adults with serious mental illness, 2022, CMS Medicare Learning Network Bulletin (Source) 9-AIMS Center, Evidence Base for Collaborative Care (CoCM), https://aims.uw.edu/evidence-base-for-cocm/National Library of Medicine, From Triple to Quadruple Aim: Care of the Patient Requires Care of the Provider, 2014,

  You made it halfway through the Affordable Care Act Open Enrollment! We've got market updates, sales and lead generation tips, and more with special guests Danica Stover and Olivia Williams from Ritter Insurance Marketing's Under-65 Health Team.     Get in touch with the Under-65 Health Team at u65healthsupport@ritterim.com or call 1-800-469-1847. Contact the Agent Survival Guide Podcast!   Resources: ACA Basics – Knight School Training: https://ritterim.com/knight-school/solid-foundation/aca-basics/1/ Agent Requirements for ACA Sales: https://ritterim.com/blog/agent-requirements-for-aca-sales/ ASG Content Info: Email us ASGPodcast@Ritterim.com or call 1-717-562-7211 and leave a voicemail. Consumer Authorization Form: https://ritterim.com/documents/aca-consumer-authorization-form-template.pdf Ritter Docs Site Under 65 Health: https://docs.ritterim.com/products/under-65-health/ Simplify Marketplace Enrollments with HealthSherpa: https://pod.fo/e/27a351 The Complete Guide to Selling Affordable Care Act Insurance Plans FREE eBook Download: https://ritterim.com/aca-ebook/ Under-65 Health Products: https://ritterim.com/products/under-65/ Guides to Marketing & Communications: Agent's Guide to Digital Marketing Resources: https://pod.fo/e/28ab4d   Agent's Guide to Email Communication Resources: https://pod.fo/e/28ab27   Agent's Guide to Mail Communication Resources: https://pod.fo/e/28ab0b Agent's Guide to Partner Marketing Resources: https://pod.fo/e/28ab4b Agent's Guide to Phone Communication Resources: https://pod.fo/e/28ab12 Agent's Guide to Social Media Communication Resources: https://pod.fo/e/28ab16   Agent's Guide to Text Communication Resources: https://pod.fo/e/28ab24 Agent's Guide to Traditional Marketing Resources: https://pod.fo/e/28ab4e   Agent's Guide to Video Communication Resources: https://pod.fo/e/28ab2b   References: “Home Page.” Health Reform Beyond the Basics, Center on Budget and Policy Priorities, 8 Nov. 2023, https://www.healthreformbeyondthebasics.org/. “Marketplace 2025 Open Enrollment Fact Sheet.” CMS.Gov, https://www.cms.gov/newsroom/fact-sheets/marketplace-2025-open-enrollment-fact-sheet/. Accessed 6 Dec. 2024.    “Nearly 988,000 New Consumers Selected Affordable Health Coverage in ACA Marketplace so Far.” CMS.Gov, https://www.cms.gov/newsroom/press-releases/nearly-988000-new-consumers-selected-affordable-health-coverage-aca-marketplace-so-far/. Accessed 6 Dec. 2024. “Plan Year 2025 Qualified Health Plan Choice and Premiums in HealthCare.Gov Marketplaces.” CMS, Centers for Medicare and Medicaid, https://www.cms.gov/files/document/2025-qhp-premiums-choice-report.pdf/. Accessed 6 Dec. 2024. Lo, Justin, et al. “Ten Things to Watch for 2025 ACA Open Enrollment.” KFF, 30 Oct. 2024, https://www.kff.org/policy-watch/ten-things-to-watch-for-2025-aca-open-enrollment/. “The Premium Tax Credit and Related Spending.” CBO, Congressional Budget Office, https://www.cbo.gov/system/files/2024-07/60523-2024-07-premium-tax-credit.pdf/. Accessed 6 Dec. 2024. “With ACA Subsidies Set to Expire in 2025, Millions of Americans Stand to Lose Health Insurance.” CBS News, CBS Interactive, https://www.cbsnews.com/news/trump-aca-subsidies-health-insurance-affordable-care-act-congress/. Accessed 6 Dec. 2024.   Follow Us on Social! Ritter on Facebook, https://www.facebook.com/RitterIM Instagram, https://www.instagram.com/ritter.insurance.marketing/ LinkedIn, https://www.linkedin.com/company/ritter-insurance-marketing TikTok, https://www.tiktok.com/@ritterim X (fka) Twitter, https://twitter.com/RitterIM and Youtube, https://www.youtube.com/user/RitterInsurance    Sarah on LinkedIn, https://www.linkedin.com/in/sjrueppel/ Instagram, https://www.instagram.com/thesarahjrueppel/ and Threads, https://www.threads.net/@thesarahjrueppel  Tina on LinkedIn, https://www.linkedin.com/in/tina-lamoreux-6384b7199/   Not affiliated with or endorsed by Medicare or any government agency.  

Show NotesThis episode of Talking Technology with ATLIS features Dr. Hansa Bhargava, a pediatrician and expert on youth mental health, discussing the impact of social media and cell phone usage on children. Dr. Bhargava highlights the correlation between increased screen time and mental health issues, emphasizing the importance of open communication and collaboration between parents, schools, and students. She also shares insights from the American Academy of Pediatrics' Center of Excellence on Youth Mental Health and Social Media, advocating for restricted access and digital literacy education. The episode explores practical strategies for mitigating the negative effects of technology while acknowledging the complexities of navigating today's digital world.ResourcesA Look at State Efforts to Ban Cellphones in Schools and Implications for Youth Mental Health, article from KFF, a non-profit organization following national health issuesBuilding Happier Kids: Stress-busting tools for parents, by Hansa Bhargava, MDPhysicianary, podcast on HealioAmerican Academy of Pediatrics Center of Excellence on Social Media and Youth Mental HealthEmory UniversityThe Anxious Generation, by Jonathan HaidtDr. Bhargava on LinkedIn, X, Instagram

In this final episode of the season, I have a casual and meaningful conversation with a friend: essayist and National Endowment for the Arts Fellow, Leta McCollough Seletzky. Leta joins me to discuss the impact Black women had on this election, on Vice President Kamala Harris' campaign, and we explore how the campaign affected us personally. We also discuss how the country's treatment of marginalized people, particularly Black women, is a bellwether for anti-democratic trends. This episode was made possible with a grant from the MacArthur Foundation through URL Media. In this Episode The Kneeling Man: My Father's Life as a Black Spy Who Witnessed the Assassination of Martin Luther King Jr. KFF.org Report: Loneliness and Social Support Networks: Findings from the KFF Survey of Racism, Discrimination and Health Listen to All Electorette Episodes https://www.electorette.com/podcast Support the Electorette Rate & Review on iTunes: https://apple.co/2GsfQj4 Also, if you enjoy the Electorette, please subscribe and leave a 5-star review on iTunes. And please spread the word by telling your friends, family, and colleagues about The Electorette! WANT MORE ELECTORETTE? Follow the Electorette on social media. Electorette Facebook Electorette Instagram Electorette Twitter Learn more about your ad choices. Visit megaphone.fm/adchoices

Gestur vikunnar er Íslandsmeistari í fótbolta 2024. Nik Chamberlain kemur frá Englandi, lærði í Alabama og tengdist Íslandi þar í gegnum m.a. Sigga Sör, Kára Ársæls og Hjört Hjartar! Nik kom til Íslands og spilaði á Álftanesi og ÍH áður en hann spilaði fyrir austan hjá Hugin og KFF. Hann setti mark sitt á Íslenskan fótbolta hjá kvennaliði Þróttar og var á haustmánuðum Íslandsmeistari með Breiðabliki. Við fórum yfir margt. Meðal annars það að Breiðablik á að hafa sent Big Sexy í klippingu, hræðilegan tónlistarsmekk og tígulmiðjuna góðu ásamt því sem Nik valdi bestu leikmenn í sögu þjóðar kvennamegin! Við í Turnunum þökkum okkar traustu bakhjörlum í Nettó, Netgíró, Lengjunni, Fiskversluninni Hafið, Fitness Sport og Tékkanum Budvar ásamt Visitor ferðaskrifstofu. Njótið!

It's the final days of the 2024 campaign, and Republicans are suddenly talking again about making changes to the Affordable Care Act if former President Donald Trump wins. Meanwhile, new reporting uncovers more maternal deaths under state abortion bans — and a case in which a Nevada woman was jailed after a miscarriage. Lauren Weber of The Washington Post, Shefali Luthra of The 19th, and Jessie Hellmann of CQ Roll Call join KFF Health News' Emmarie Huetteman to discuss these stories and more. Also this week, KFF Health News' Julie Rovner interviews Irving Washington, a senior vice president at KFF and the executive director of its Health Misinformation and Trust Initiative.Plus, for “extra credit,” the panelists suggest health policy stories they read this week that they think you should read, too: Emmarie Huetteman: KFF Health News' “‘Dreamers' Can Enroll in ACA Plans This Year — But a Court Challenge Could Get in the Way,” by Julie Appleby. Lauren Weber: The New York Times' “What Drugmakers Did Not Tell Volunteers in Alzheimer's Trials,” by Walt Bogdanich and Carson Kessler. Shefali Luthra: NBC News' “They're Middle Class and Insured. Childbirth Still Left Them With Crippling Debt,” by Aria Bendix. Jessie Hellmann: ProPublica's “‘Not Medically Necessary': Inside the Company Helping America's Biggest Health Insurers Deny Coverage for Care,” by T. Christian Miller, ProPublica; Patrick Rucker, The Capitol Forum; and David Armstrong, ProPublica. Also mentioned on this week's podcast: KFF Health News' “Ghosts, Ghouls, and Ghastly Drug Prices in Winning Halloween Haikus.” A transcript of this episode will be available Nov. 1. Hosted on Acast. See acast.com/privacy for more information.

With Election Day rapidly approaching, abortion is gaining traction as a voting issue, according to public opinion polls. Meanwhile, states with abortion bans are reviving the lawsuit — dismissed by the Supreme Court on a technicality this year — that could roll back the availability of the abortion pill mifepristone. Sarah Karlin-Smith of the Pink Sheet, Rachel Cohrs Zhang of Stat, and Victoria Knight of Axios join KFF Health News' Julie Rovner to discuss these stories and more. Also this week, Rovner interviews Tricia Neuman, senior vice president of KFF and executive director of its Program on Medicare Policy, about Medicare open enrollment and the changes to the federal program for 2025. Plus, for “extra credit” the panelists suggest health policy stories they read this week that they think you should read, too: Julie Rovner: NBC News' “Crisis Pregnancy Center's Forms Give Rare Insight Into Anti-Abortion Practices,” by Abigail Brooks. Sarah Karlin-Smith: Vanity Fair's “Inside the Bungled Bird Flu Response, Where Profits Collide With Public Health,” by Katherine Eban. Rachel Cohrs Zhang: The Atlantic's “The Perverse Consequences of Tuition-Free Medical School,” by Rose Horowitch. Victoria Knight: NPR's “Why Catholic Bishops Are Donating Less To Oppose Abortion Rights Measures This Year,” by Rosemary Westwood and Jack Jenkins. Hosted on Acast. See acast.com/privacy for more information.

The Basics Of How Health Misinformation SpreadsHealth misinformation can circulate quickly on social media: false claims about vaccines, ads pushing suspicious-looking supplements, politicians making claims about contraception or abortion that don't match the science.As November nears, Science Friday is spotlighting the science that's shaping the election with a short series about health misinformation.Ira is joined by Irving Washington, senior vice president and executive director of the Health Misinformation and Trust Initiative at KFF, a nonprofit health policy research, polling, and news organization to provide a primer on the basics of health misinformation; how to identify it, emerging trends and the role of artificial intelligence.We want to hear from you! Is there a piece of health information that you've seen recently that you're skeptical about? Fill out this form, email us a voice memo to scifri@sciencefriday.com, or leave us a voicemail at 1-646-767-6532.In the coming weeks we'll select a couple of topics from our listeners to investigate with the help of a subject matter expert.Benjamin Franklin And The American Experiment Collide On StageWhen you think of famous scientists of the early United States, you likely think of Benjamin Franklin, inventor of the lightning rod, bifocal glasses, and even the glass harmonica.He and his son are the subject of the play “Franklinland.” It explores their sometimes contentious relationship, Benjamin Franklin's accomplishments as a scientist, and how the scientific method can be used to understand the ongoing experiment of the United States. It's running now until November 3 at the Ensemble Studio Theater in New York City.Ira Flatow is joined by the playwright of “Franklinland,” Lloyd Suh, to learn how he joined all of these elements for the stage.Transcripts for each segment will be available after the show airs on sciencefriday.com. Subscribe to this podcast. Plus, to stay updated on all things science, sign up for Science Friday's newsletters.

The Affordable Care Act has not been a major issue in the 2024 campaign, but abortion and reproductive rights have been front and center. Those are just two of the dozens of health issues that could be profoundly affected by who is elected president and which party controls Congress in 2025. In this special live episode, Tamara Keith of NPR, Alice Miranda Ollstein of Politico, and Cynthia Cox and Ashley Kirzinger of KFF join KFF Health News chief Washington correspondent Julie Rovner to discuss how health policy has affected the campaign and how the election results might affect health policy. Plus, the panel answers questions from the live audience.Click here for a transcript of the episode. Hosted on Acast. See acast.com/privacy for more information.

As part of her presidential campaign, Vice President Kamala Harris has rolled out a plan for Medicare to provide in-home long-term care services. The proposal would fill a longtime need for families trying to simultaneously care for young children and older parents, but its enormous price tag makes it a promise unlikely to be fulfilled. Meanwhile, a growing number of Republican candidates up and down the ballot facing voter backlash over their support for abortion restrictions are trying to reinvent their positions. Shefali Luthra of The 19th, Jessie Hellmann of CQ Roll Call, and Joanne Kenen of Johns Hopkins University and Politico join KFF Health News' Julie Rovner to discuss these stories and more. Also this week, excerpts from a KFF lunch with “Shark Tank” panelist and generic drug discounter Mark Cuban, who has been consulting with the Harris campaign about health care issues. Plus, for “extra credit,” the panelists suggest health policy stories they read this week they think you should read, too: Julie Rovner: KFF Health News' “A Boy's Bicycling Death Haunts a Black Neighborhood. 35 Years Later, There's Still No Sidewalk,” by Renuka Rayasam and Fred Clasen-Kelly. Shefali Luthra: The 19th's “Arizona's Ballot Measure Could Shift the Narrative on Latinas and Abortion,” by Mel Leonor Barclay. Jessie Hellmann: The Assembly's “Helene Left Some NC Elder-Care Homes Without Power,” by Carli Brosseau. Joanne Kenen: The New York Times' “Her Face Was Unrecognizable After an Explosion. A Placenta Restored It,” by Kate Morgan. Hosted on Acast. See acast.com/privacy for more information.

In case you haven’t heard, the Summer Olympics aren’t over! This year’s Paralympics kick off in Paris on Aug. 28. It’s the first time all 22 Paralympic events will be aired live, and total broadcast revenues are up by more than 20% from the delayed 2020 Paralympics. Chuck Aoki, an American Paralympic wheelchair rugby player, said content creators like himself are also bringing eyes to the event. On the show today, Aoki breaks down the basics of wheelchair rugby (aka “murderball”), the system that classifies para athletes based on their disability, and why this year's Paralympics are getting more buzz than ever. Then, we’ll get into how pharmaceutical companies’ new direct-to-consumer programs could impact drug prices. And, listeners tell us about the trafficless 1984 Olympics in Los Angeles, and a lesson in credit cards learned the hard, heartbreaking way. Here’s everything we talked about today: “Passion And Guts: Chuck Aoki’s World of Wheelchair Rugby” from Team USA “Paralympic Games in Paris set to reach largest audience after broadcast deals” from The Guardian “What sports are in the Paralympics and how does the classification system work?” from AP News “How to Watch the 2024 Summer Paralympics: Streaming Schedule, Free Options” from Wired “Pfizer Follows Lilly With Website Selling Directly to Patients” from Bloomberg “Eli Lilly lowering weight loss drug prices” from The Hill “Health Insurance Costs Will Rise Steeply if Premium Tax Credit Improvements Expire” from the Center on Budget and Policy Priorities “How Much and Why ACA Marketplace Premiums Are Going Up in 2025” from KFF “Pfizer launches new website for migraine, respiratory offerings” from Reuters “Panama Canal Eases Limits That Caused Global Shipping Bottleneck” from Bloomberg We want to hear your answer to the Make Me Smart question. Leave us a voicemail at 508-U-B-SMART or email us at makemesmart@marketplace.org.

In case you haven’t heard, the Summer Olympics aren’t over! This year’s Paralympics kick off in Paris on Aug. 28. It’s the first time all 22 Paralympic events will be aired live, and total broadcast revenues are up by more than 20% from the delayed 2020 Paralympics. Chuck Aoki, an American Paralympic wheelchair rugby player, said content creators like himself are also bringing eyes to the event. On the show today, Aoki breaks down the basics of wheelchair rugby (aka “murderball”), the system that classifies para athletes based on their disability, and why this year's Paralympics are getting more buzz than ever. Then, we’ll get into how pharmaceutical companies’ new direct-to-consumer programs could impact drug prices. And, listeners tell us about the trafficless 1984 Olympics in Los Angeles, and a lesson in credit cards learned the hard, heartbreaking way. Here’s everything we talked about today: “Passion And Guts: Chuck Aoki’s World of Wheelchair Rugby” from Team USA “Paralympic Games in Paris set to reach largest audience after broadcast deals” from The Guardian “What sports are in the Paralympics and how does the classification system work?” from AP News “How to Watch the 2024 Summer Paralympics: Streaming Schedule, Free Options” from Wired “Pfizer Follows Lilly With Website Selling Directly to Patients” from Bloomberg “Eli Lilly lowering weight loss drug prices” from The Hill “Health Insurance Costs Will Rise Steeply if Premium Tax Credit Improvements Expire” from the Center on Budget and Policy Priorities “How Much and Why ACA Marketplace Premiums Are Going Up in 2025” from KFF “Pfizer launches new website for migraine, respiratory offerings” from Reuters “Panama Canal Eases Limits That Caused Global Shipping Bottleneck” from Bloomberg We want to hear your answer to the Make Me Smart question. Leave us a voicemail at 508-U-B-SMART or email us at makemesmart@marketplace.org.

In case you haven’t heard, the Summer Olympics aren’t over! This year’s Paralympics kick off in Paris on Aug. 28. It’s the first time all 22 Paralympic events will be aired live, and total broadcast revenues are up by more than 20% from the delayed 2020 Paralympics. Chuck Aoki, an American Paralympic wheelchair rugby player, said content creators like himself are also bringing eyes to the event. On the show today, Aoki breaks down the basics of wheelchair rugby (aka “murderball”), the system that classifies para athletes based on their disability, and why this year's Paralympics are getting more buzz than ever. Then, we’ll get into how pharmaceutical companies’ new direct-to-consumer programs could impact drug prices. And, listeners tell us about the trafficless 1984 Olympics in Los Angeles, and a lesson in credit cards learned the hard, heartbreaking way. Here’s everything we talked about today: “Passion And Guts: Chuck Aoki’s World of Wheelchair Rugby” from Team USA “Paralympic Games in Paris set to reach largest audience after broadcast deals” from The Guardian “What sports are in the Paralympics and how does the classification system work?” from AP News “How to Watch the 2024 Summer Paralympics: Streaming Schedule, Free Options” from Wired “Pfizer Follows Lilly With Website Selling Directly to Patients” from Bloomberg “Eli Lilly lowering weight loss drug prices” from The Hill “Health Insurance Costs Will Rise Steeply if Premium Tax Credit Improvements Expire” from the Center on Budget and Policy Priorities “How Much and Why ACA Marketplace Premiums Are Going Up in 2025” from KFF “Pfizer launches new website for migraine, respiratory offerings” from Reuters “Panama Canal Eases Limits That Caused Global Shipping Bottleneck” from Bloomberg We want to hear your answer to the Make Me Smart question. Leave us a voicemail at 508-U-B-SMART or email us at makemesmart@marketplace.org.

*Content Warning: anxiety, depression, mental health, mental illness, suicidal ideation, self-harm, suicide, police brutality, and racism.*Resources:Life 4 All Minority Mental Health Resources: life4all.co/minority-mental-healthLifeline Network: https://988lifeline.org/BEAM Collective: http://beam.communityFree + Confidential Resources + Safety Tips: somethingwaswrong.com/resources *Sources:“Prioritizing Minority Mental Health.” Centers for Disease Control and Prevention, Centers for Disease Control and Prevention, 27 June 2023, www.cdc.gov/healthequity/features/minority-mental-health/index.htmlNirmita Panchal, Matthew Rae. “How Does Use of Mental Health Care Vary by Demographics and Health Insurance Coverage?” KFF, 24 Mar. 2022, www.kff.org/mental-health/issue-brief/how-does-use-of-mental-health-care-vary-by-demographics-and-health-insurance-coverage/MacMillan, Amanda. “4 Reasons for the Increase in Mental Health Conditions.” Health, 21 Aug. 2023, www.health.com/condition/depression/8-million-americans-psychological-distress. Ijoma, Bassey. “5 Common Health Conditions That Affect Minorities and Ways to Reduce Risk Factors.” SummaCare, 23 Feb. 2023, www.summacare.com/blog/entries/2023/02/5-common-health-conditions-that-affect-minorities-and-ways-to-reduce-risk-factors. Brandt, L., Liu, S., Heim, C., & Heinz, A. (2022). The effects of social isolation stress and discrimination on mental health. Translational psychiatry, 12(1), 398. https://doi.org/10.1038/s41398-022-02178-4Turner, Erlanger A., et al. “Predictors of Seeking Mental Health Treatment in Black Men: Therapy Fears and Expectations about Counseling - Community Mental Health Journal.” SpringerLink, Springer US, 8 Sept. 2023, link.springer.com/article/10.1007/s10597-023-01183-1. Reingle Gonzalez, J. M., & Connell, N. M. (2014). Mental health of prisoners: Identifying barriers to mental health treatment and medication continuity. American Journal of Public Health, 104(12), 2328–2333. https://doi.org/10.2105/AJPH.2014.302043.Sheftall, Arielle H., et al. “The Tragedy of Black Youth Suicide.” AAMC, 11 Apr. 2023, www.aamc.org/news/tragedy-black-youth-suicide. Dr. Corey Emanuel: Dr. Corey Emanuel's website: http://coreyemanuel.com Dr. Corey Emanuel's Linktree: http://linktr.ee/coreyemanuel Dr. Corey Emanuel's Instagram: http://www.instagram.com/coreyemanuel Dr. Corey Emanuel's TikTok: http://www.tiktok.com/drcoreyemanuel Men Talking Shift: http://www.instagram.com/mentalkingshiftArtwork by the amazing Sara Stewart: Instagram.com/greaterthanokayFollow Something Was Wrong:Website: somethingwaswrong.com IG: instagram.com/somethingwaswrongpodcastTikTok: tiktok.com/@somethingwaswrongpodcast Follow Tiffany Reese:Website: tiffanyreese.me IG: instagram.com/lookieboo See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.