Florida Health Insurance Rate Hikes and Quotes

Florida Health Insurance Rate Hike

Florida Health insurance premiums have touched new heights! Every Floridian has the common knowledge that most annual health insurance contracts will endure a rate increase at the end of the year. This trend is not new and should be expected. Every time this issue pops up it seems as though the blame game starts. Floridians blame Health insurance companies; Health insurance companies blame Hospitals, Doctors and other medical care providers, Medical care providers blame inflation and politicians, well, we really don’t know what they do to help the issue… No one seems to be interested in finding the real cause of the health insurance premium rate increase. Most individuals, self employed, and small business owners have taken Florida Health Insurance Rate Hikes as the inevitable evil.

Hard Facts

What are various reports telling us? Why do Health insurance premium have annual rate increases?

Rate of inflation and heath insurance premium rate increase.

America’s health expenditure in the year 2004 has increased dramatically, it has increased more than three time the inflation rate. In this year the inflation rate was around 2.5% while the national health expenses were around 7.9%. The employer health insurance or group health insurance premium had increased approximately 7.8% in the year 2006, which is almost double the rate of inflation. In short, last year in 2006, the annual premiums of group health plan sponsored by an employer was around $4,250 for a single premium plan, while the average family premium was around $ 11,250 per year. This indicates that in the year 2006 the employer sponsored health insurance premium increased 7.7 percent. Taking the biggest hit were small businesses that had 0-24 employees. There health insurance premiums increased by nearly 10.4%

Employees are also not spared, in the year 2006 the employee also had to pay around $ 3,000 more in their contribution to employer’s sponsored health insurance plan in comparison to the previous year, 2005. Rate hikes have been in existence since the “Florida Health Insurance” plan started. In covering an entire family of four, a person will experience an increase in premium rate at every annual renewal. If they would have kept the record of their health insurance premium payments they will find that they are now paying around $ 1,100 more than they paid in the year 2000 for the same coverage and with the same company. The same item was found by the Health Research Educational Trust and the Kaiser Family Foundation in their survey report of the year 2000. They found out that the premiums of health insurance that is sponsored by the employer increases by around 4 times than the employee’s salary. This report also stated that since 2000 the contribution of employees in group health insurance sponsored by employer was increased by more than 143 percent.

One business man predicts that if nothing is done and the Health insurance premiums keep increasing that in the year 2008, the amount of health premium contribution to employer will surpass their profit. Professionals within and outside the field of Florida health insurance, think that the reason for increase in Florida health insurance premium rates are due to many factors, such as high administration expenditure, inflation, poor or bad management, increase in the cost of medical care, waste etc.

Florida health insurance rate hikes affect whom?

Rising rates of Florida health insurance generally affects most of the Floridians who live in our beautiful state. The highest affected individudals are the minimum wage and low wage workers. Recent drops in the renewal of health insurance are mostly from this low income group. They just can’t afford the high premiums of Florida health insurance. They are in the situation where they can not afford the medical care and they can not afford the medical insurance premiums that are assosiated with adequate coverage. Almost half of all Americans are of the opinion that they are more worried about the high health insurance rate and high cost of health care, over any other bill they have on a monthly basis. A survey also finds that around 42% of Americans can not afford the high cost of health care services. There is one very interesting study conducted by Harvard University researchers. They found out that 68% of people who filed bankruptcy covered themselves and their family by health insurance. Average out-of-pocket deductibles for people filed bankruptcy were around $ 12,000 per year. They also found some co-relation between medical expenditure and bankruptcy. A national survey also reports that main reason for people not to take health insurance is the high premium rate of health insurance.

How to reduce Florida’s high health insurance cost? Nobody knows for sure. There are different opinions and experts are not agreeing with each other. Health professionals believe that if we can raise the number of healthy people by improving the lifestyle and regular exercise, good diets etc. than naturally they will need less medical care services which decreases the demands of health care and hence the cost.( This year in Florida the smoking rate has increased by 21.7 percent) One Floridian sarcastically suggested that there are ‘highs’ and ‘lows’ in health care that are needed to reversed. That the state of Florida is to ‘high’ in cost of medical care compare to other States and ‘low’ in the quality of health care.

Florida Health insurance rate hike has attracted many frauds. These frauds float many bogus insurance companies and offer cheap health insurance rate which attract many people to them. These companies usually through assosiations that are based in other states.

Meanwhile reputable Florida health insurance companies provide different types of health insurance like employer sponsored group health insurance, small business health insurance, individual health insurance etc. to vast number of employees and their families. Still there are many people in Florida that lack any health coverage. Today the employer also has found it challenging to decide how to offer employer sponsored group health insurance to their employees, so that both of them arrive at some point of agreement.

For Floridians it is very important to shop around for a quality health insurance program that doesn’t break the bank.

Sexual Health of Men

The sexual health of men is not as complicated as that of women. Show a man a certain type of image and if his brain and nervous system are working properly to produce nitric oxide, then a response will usually occur. That’s not to discount any mental, emotional, and spiritual components but it is the physical component that has the greatest impact on man’s sexual health. This article will focus on what men can do to improve the physical component of their sexual health. The side benefit is that these suggestions can also positively impact your overall wellness and how you age.

In all the information I gathered to prepare for this article, two overriding issues kept surfacing. These two health issues were consistently present. The first is hormone levels. The second is cardiovascular health. Most men would understand how hormone levels could apply but few ever consider cardiovascular health.

Cardiovascular Health!

Your cardiovascular health is as important to your sexual health as it is to your overall health. The reason why centers on the health of the endothelial cells that line the blood vessels of your body. The creation of nitric oxide occurs in these endothelial cells. Nitric oxide researchers believe that nitric oxide can correct up to 90% of all penile dysfunction. When the endothelial cells are damaged by high blood pressure, high sugar levels, cholesterol, and smoking this decreases nitric oxide production. Endothelial cells and their ability to produce nitric oxide are critical to the sexual health of men.

Hormone Levels!

At its simplest level, sex is just a hormone driven function designed to perpetuate the species. With that said, the sexual health of American men is in trouble. Testosterone levels have been decreasing over the last 20 years. Testosterone is the primary male sex hormone. It plays an important role in maintaining bone and muscle mass. Low levels of testosterone have been linked to lowered libido and diabetes. Diabetes can affect the endothelial cells of the blood vessels compounding the problem of lower testosterone levels.

Over the past two decades, the level of testosterone in American males has decreased by 16 percent. Researchers don’t know why. But there are some clues. The recent Nurses’ Health Study revealed some important truths as they apply to women. Some of those truths also apply to the sexual health of men because they affect both hormonal levels and cardiovascular health.

Additionally, as testosterone levels have decreased this has resulted in reduced muscle mass and tone, reduced metabolism and energy and an increase in body fat. Not a sexy combination! You can accept it and do nothing about it. Or, you can begin to live life by making healthier eating and exercise choices. Choices that will help your body actually be younger physically than your chronological age.

You Have Control Over the Process!

Every day you replace approximately 1% of your cells. That means that 1% of your body is new today, 1% is new tomorrow, and 1% is new each and every day of your life. You choose whether those new cells will be nourished properly or poorly. You choose whether you will have healthy and vibrant cells that act young. Or, sickly and sedentary cells that act old.

The sexual health of your body will be affected by the choices you make. I call it “The 1% Solution!” and it will positively affect the cardiovascular and sexual health of your body.

Choices Affecting Sexual Health!

The Nurses’ Health Study highlighted five critical lifestyle and diet behaviors. They are:

o Carbohydrates – Slow verses Fast!

o Fats – Natural verses Artificial!

o Protein – Animal or Plant!

o Body Weight – Your BMI!

o Exercise – Is It Important?

If you look at this list, three critical components emerge: Diet, Weight, and Exercise! Now you might think that this only applies to women. It doesn’t! Each of these factors will affect your cardiovascular health and hormonal balance. Each of these factors also affects the health of your endothelial cells and their ability to produce nitric oxide. Nitric oxide production is the most important component to the sexual health of men. Let’s look at how all of these factors impact your sexual health.

The Diet Component!

You are what you eat and drink. The sexual health of your body and the cardiovascular health of your circulatory system will be greatly determined by your food and drink choices. These choices will also impact the potential for disease and how you age.

Your first choice is in the area of carbohydrates. Are you choosing foods and drinks that are high in fast carbs (simple sugars)? If you are, then you need to understand that:

o Fast carbs disrupt hormone levels.

o Fast carbs create the potential for high blood sugar that can lead to diabetes.

o High blood sugar can damage the endothelial cells of your blood vessels reducing the production of nitric oxide which is critical for good sexual and cardiovascular health.

Learn to consume foods that are high in slow carbs (complex carbohydrates). Slow carbs will help to keep your blood sugar levels normal and your hormonal levels balanced. Drink water instead of sugary drinks and diet sodas. Drinking water hydrates your system, helps you balance your hormone levels, and aids in weight management.

Your second choice is in the area of fats. Eliminate all trans fats from your diet and replace them with natural, heart-health fats. The Nurses’ Health Study clearly showed how disruptive trans fats are to fertility in women. As little as four grams of trans fat (the equivalent of two tablespoons of stick margarine, one medium order of French fries or one doughnut) began to disrupt their hormonal balance.

How much of your diet consists of trans fats from fast food restaurants? How many orders of French fries and doughnuts have you consumed at work? Although I can’t give you any hard research on men, it makes sense that we can be as affected by trans fats as women are. It’s time that you incorporate foods that are rich in omega-3 fatty acids (such as wild, cold-water fish, walnuts, and flax seeds) since essential fats help to balance hormone levels and promote healthy cell function.

Your third choice is in the area of protein. According to the Nurses’ Health Study, women who got their protein from plant sources rather then from animals took a big step toward improved fertility. Animal protein can adversely affect your sexual health. It also has a direct influence on cancer!

If you’re not willing to give up your beef, pork or chicken, then invest the time, energy and extra cost to make sure that these sources of protein are hormone free. This also applies to your dairy products. Much of the industry still relies on hormonal injections into their livestock to help increase food production. Eating meat from these animals and their byproducts will affect your hormonal levels. If you’re not willing to switch to plant-based protein sources, then make sure your meat and dairy sources are hormone free.

The Weight Component!

Like it or not weight impacts the sexual health of your body. Why? Because fat interferes with your hormonal balance! Fat also stresses your cardiovascular system. This additional stress on your cardiovascular system will compromise the sexual health of your body. Currently, 66% of Americans are overweight with at least a third being obese. Diets are not the answer. America has been dieting for the last 50 years. It has had no real impact on slowing down overweight and obesity rates.

You need a paradigm shift from “dieting” to “healthy eating”. Make food choices based on how it will improve your health and wellness, not on how it will impact your weight. Most people who do this see their weight stabilize or decrease.

The Exercise Component!

Exercise is important for both sexual and cardiovascular health. Inactivity saps the body of its ability to respond to insulin and makes you less efficient in absorbing blood sugar. A study from the Electronic Journal of Human Sexuality highlighted that people who exercised on a regular basis:

o Feel better about themselves.

o Think they are more sexually desirable.

o Experience greater levels of satisfaction.

It’s always important to check with your physician or health care provider before you start an exercise program. Once you have their OK, than strive to get at least 30 minutes of exercise per day. Aerobic exercises like walking, jogging, biking, and swimming are important and seem to increase circulation to the pelvis and the reproductive organs. But don’t forget about strength training exercises. Strength training exercises will help you maintain bone health and density. Additionally, strength training exercises will increase your spatial awareness. This is a very positive feeling that improves your overall well being.

The Nitric Oxide Component!

You cannot live without nitric oxide. Your cardiovascular system could not function properly without nitric oxide. The sexual health of your body revolves around the production of nitric oxide. Nitric oxide production is dependent upon the health of the endothelial cells of your blood vessels, and adequate supplies of the essential amino acid L-arginine.

High blood pressure, high sugar levels, high cholesterol levels and smoking all affect your endothelial cells in a negative way. Damage to these endothelial cells will reduce nitric oxide production. This can compromise the blood flow to the sexual organ resulting in reduced sensitivity and/or erectile dysfunction.

Since nitric oxide is synthesized from the essential amino acid L-arginine, your diet needs to include protein sources and/or supplements that contain this amino acid. It needs to be emphasized that L-arginine is not a hormone and it is not testosterone. However, when properly brought into the body it can cross the blood-brain barrier to signal the hypothalamus to naturally trigger the pituitary gland to produce growth hormone. This is the key to eliminating any negative side effects typically associated with hormone supplements like DHEA and HGH.

Please note that L-arginine has a dark side and can cause some serious side effects. Read my article, “L-arginine, Nitric Oxide and Sexual Health!” for more information on this essential amino acid.

Conclusion!

If you continue a life of inactively, animal protein intake, sugary drinks, foods made from refined grains, increased body fat, and inadequate nitric oxide production, then you will become part of the new reality for America. This new reality includes epidemic increases in diabetes, continued high levels of cardiovascular disease and stroke, continued high levels of cancer, and poor sexual health especially for those over the age of 40. As Aristotle said, “We Are What We Repeatedly Do!”

By taking the necessary steps to improve your diet, manage your weight, exercise properly and increase your body’s ability to produce nitric oxide you will experience positive changes in the sexual health of your body. If you repeatedly take these positive steps you will also improve your wellness and slow down your aging.

One Final Thought!

Although the hormonal balance between men and women are different, the process of change is the same. Many of the steps that improve the sexual health of men will also help improve the sexual health of women. Encourage your spouse or partner to implement these changes with you. If you both take the steps to improve your health, then you will both be reward in the bedroom, and in living your life to its fullest.

The Perfect Storm

Today, health care fraud is all over the news. There undoubtedly is fraud in health care. The same is true for every business or endeavor touched by human hands, e.g. banking, credit, insurance, politics, etc. There is no question that health care providers who abuse their position and our trust to steal are a problem. So are those from other professions who do the same.

Why does health care fraud appear to get the ‘lions-share’ of attention? Could it be that it is the perfect vehicle to drive agendas for divergent groups where taxpayers, health care consumers and health care providers are dupes in a health care fraud shell-game operated with ‘sleight-of-hand’ precision?

Take a closer look and one finds this is no game-of-chance. Taxpayers, consumers and providers always lose because the problem with health care fraud is not just the fraud, but it is that our government and insurers use the fraud problem to further agendas while at the same time fail to be accountable and take responsibility for a fraud problem they facilitate and allow to flourish.

1. Astronomical Cost Estimates

What better way to report on fraud then to tout fraud cost estimates, e.g.

– “Fraud perpetrated against both public and private health plans costs between $72 and $220 billion annually, increasing the cost of medical care and health insurance and undermining public trust in our health care system… It is no longer a secret that fraud represents one of the fastest growing and most costly forms of crime in America today… We pay these costs as taxpayers and through higher health insurance premiums… We must be proactive in combating health care fraud and abuse… We must also ensure that law enforcement has the tools that it needs to deter, detect, and punish health care fraud.” [Senator Ted Kaufman (D-DE), 10/28/09 press release]

– The General Accounting Office (GAO) estimates that fraud in healthcare ranges from $60 billion to $600 billion per year – or anywhere between 3% and 10% of the $2 trillion health care budget. [Health Care Finance News reports, 10/2/09] The GAO is the investigative arm of Congress.

– The National Health Care Anti-Fraud Association (NHCAA) reports over $54 billion is stolen every year in scams designed to stick us and our insurance companies with fraudulent and illegal medical charges. [NHCAA, web-site] NHCAA was created and is funded by health insurance companies.

Unfortunately, the reliability of the purported estimates is dubious at best. Insurers, state and federal agencies, and others may gather fraud data related to their own missions, where the kind, quality and volume of data compiled varies widely. David Hyman, professor of Law, University of Maryland, tells us that the widely-disseminated estimates of the incidence of health care fraud and abuse (assumed to be 10% of total spending) lacks any empirical foundation at all, the little we do know about health care fraud and abuse is dwarfed by what we don’t know and what we know that is not so. [The Cato Journal, 3/22/02]

2. Health Care Standards

The laws & rules governing health care – vary from state to state and from payor to payor – are extensive and very confusing for providers and others to understand as they are written in legalese and not plain speak.

Providers use specific codes to report conditions treated (ICD-9) and services rendered (CPT-4 and HCPCS). These codes are used when seeking compensation from payors for services rendered to patients. Although created to universally apply to facilitate accurate reporting to reflect providers’ services, many insurers instruct providers to report codes based on what the insurer’s computer editing programs recognize – not on what the provider rendered. Further, practice building consultants instruct providers on what codes to report to get paid – in some cases codes that do not accurately reflect the provider’s service.

Consumers know what services they receive from their doctor or other provider but may not have a clue as to what those billing codes or service descriptors mean on explanation of benefits received from insurers. This lack of understanding may result in consumers moving on without gaining clarification of what the codes mean, or may result in some believing they were improperly billed. The multitude of insurance plans available today, with varying levels of coverage, ad a wild card to the equation when services are denied for non-coverage – especially if it is Medicare that denotes non-covered services as not medically necessary.

3. Proactively addressing the health care fraud problem

The government and insurers do very little to proactively address the problem with tangible activities that will result in detecting inappropriate claims before they are paid. Indeed, payors of health care claims proclaim to operate a payment system based on trust that providers bill accurately for services rendered, as they can not review every claim before payment is made because the reimbursement system would shut down.

They claim to use sophisticated computer programs to look for errors and patterns in claims, have increased pre- and post-payment audits of selected providers to detect fraud, and have created consortiums and task forces consisting of law enforcers and insurance investigators to study the problem and share fraud information. However, this activity, for the most part, is dealing with activity after the claim is paid and has little bearing on the proactive detection of fraud.

4. Exorcise health care fraud with the creation of new laws

The government’s reports on the fraud problem are published in earnest in conjunction with efforts to reform our health care system, and our experience shows us that it ultimately results in the government introducing and enacting new laws – presuming new laws will result in more fraud detected, investigated and prosecuted – without establishing how new laws will accomplish this more effectively than existing laws that were not used to their full potential.

With such efforts in 1996, we got the Health Insurance Portability and Accountability Act (HIPAA). It was enacted by Congress to address insurance portability and accountability for patient privacy and health care fraud and abuse. HIPAA purportedly was to equip federal law enforcers and prosecutors with the tools to attack fraud, and resulted in the creation of a number of new health care fraud statutes, including: Health Care Fraud, Theft or Embezzlement in Health Care, Obstructing Criminal Investigation of Health Care, and False Statements Relating to Health Care Fraud Matters.

In 2009, the Health Care Fraud Enforcement Act appeared on the scene. This act has recently been introduced by Congress with promises that it will build on fraud prevention efforts and strengthen the governments’ capacity to investigate and prosecute waste, fraud and abuse in both government and private health insurance by sentencing increases; redefining health care fraud offense; improving whistleblower claims; creating common-sense mental state requirement for health care fraud offenses; and increasing funding in federal antifraud spending.

Undoubtedly, law enforcers and prosecutors MUST have the tools to effectively do their jobs. However, these actions alone, without inclusion of some tangible and significant before-the-claim-is-paid actions, will have little impact on reducing the occurrence of the problem.

What’s one person’s fraud (insurer alleging medically unnecessary services) is another person’s savior (provider administering tests to defend against potential lawsuits from legal sharks). Is tort reform a possibility from those pushing for health care reform? Unfortunately, it is not! Support for legislation placing new and onerous requirements on providers in the name of fighting fraud, however, does not appear to be a problem.

If Congress really wants to use its legislative powers to make a difference on the fraud problem they must think outside-the-box of what has already been done in some form or fashion. Focus on some front-end activity that deals with addressing the fraud before it happens. The following are illustrative of steps that could be taken in an effort to stem-the-tide on fraud and abuse:

– DEMAND all payors and providers, suppliers and others only use approved coding systems, where the codes are clearly defined for ALL to know and understand what the specific code means. Prohibit anyone from deviating from the defined meaning when reporting services rendered (providers, suppliers) and adjudicating claims for payment (payors and others). Make violations a strict liability issue.

– REQUIRE that all submitted claims to public and private insurers be signed or annotated in some fashion by the patient (or appropriate representative) affirming they received the reported and billed services. If such affirmation is not present claim isn’t paid. If the claim is later determined to be problematic investigators have the ability to talk with both the provider and the patient…

– REQUIRE that all claims-handlers (especially if they have authority to pay claims), consultants retained by insurers to assist on adjudicating claims, and fraud investigators be certified by a national accrediting company under the purview of the government to exhibit that they have the requisite understanding for recognizing health care fraud, and the knowledge to detect and investigate the fraud in health care claims. If such accreditation is not obtained, then neither the employee nor the consultant would be permitted to touch a health care claim or investigate suspected health care fraud.

– PROHIBIT public and private payors from asserting fraud on claims previously paid where it is established that the payor knew or should have known the claim was improper and should not have been paid. And, in those cases where fraud is established in paid claims any monies collected from providers and suppliers for overpayments be deposited into a national account to fund various fraud and abuse education programs for consumers, insurers, law enforcers, prosecutors, legislators and others; fund front-line investigators for state health care regulatory boards to investigate fraud in their respective jurisdictions; as well as funding other health care related activity.

– PROHIBIT insurers from raising premiums of policyholders based on estimates of the occurrence of fraud. Require insurers to establish a factual basis for purported losses attributed to fraud coupled with showing tangible proof of their efforts to detect and investigate fraud, as well as not paying fraudulent claims.

5. Insurers are victims of health care fraud

Insurers, as a regular course of business, offer reports on fraud to present themselves as victims of fraud by deviant providers and suppliers.

It is disingenuous for insurers to proclaim victim-status when they have the ability to review claims before they are paid, but choose not to because it would impact the flow of the reimbursement system that is under-staffed. Further, for years, insurers have operated within a culture where fraudulent claims were just a part of the cost of doing business. Then, because they were victims of the putative fraud, they pass these losses on to policyholders in the form of higher premiums (despite the duty and ability to review claims before they are paid). Do your premiums continue to rise?

Insurers make a ton of money, and under the cloak of fraud-fighting, are now keeping more of it by alleging fraud in claims to avoid paying legitimate claims, as well as going after monies paid on claims for services performed many years prior from providers too petrified to fight-back. Additionally, many insurers, believing a lack of responsiveness by law enforcers, file civil suits against providers and entities alleging fraud.

6. Increased investigations and prosecutions of health care fraud

Purportedly, the government (and insurers) have assigned more people to investigate fraud, are conducting more investigations, and are prosecuting more fraud offenders.

With the increase in the numbers of investigators, it is not uncommon for law enforcers assigned to work fraud cases to lack the knowledge and understanding for working these types of cases. It is also not uncommon that law enforcers from multiple agencies expend their investigative efforts and numerous man-hours by working on the same fraud case.

Law enforcers, especially at the federal level, may not actively investigate fraud cases unless they have the tacit approval of a prosecutor. Some law enforcers who do not want to work a case, no matter how good it may be, seek out a prosecutor for a declination on cases presented in the most negative light.

Health Care Regulatory Boards are often not seen as a viable member of the investigative team. Boards regularly investigate complaints of inappropriate conduct by licensees under their purview. The major consistency of these boards are licensed providers, typically in active practice, that have the pulse of what is going on in their state.

Insurers, at the insistence of state insurance regulators, created special investigative units to address suspicious claims to facilitate the payment of legitimate claims. Many insurers have recruited ex-law enforcers who have little or no experience on health care matters and/or nurses with no investigative experience to comprise these units.

Reliance is critical for establishing fraud, and often a major hindrance for law enforcers and prosecutors on moving fraud cases forward. Reliance refers to payors relying on information received from providers to be an accurate representation of what was provided in their determination to pay claims. Fraud issues arise when providers misrepresent material facts in submitted claims, e.g. services not rendered, misrepresenting the service provider, etc.

Increased fraud prosecutions and financial recoveries? In the various (federal) prosecutorial jurisdictions in the United States, there are differing loss- thresholds that must be exceeded before the (illegal) activity will be considered for prosecution, e.g. $200,000.00, $1 million. What does this tell fraudsters – steal up to a certain amount, stop and change jurisdictions?

In the end, the health care fraud shell-game is perfect for fringe care-givers and deviant providers and suppliers who jockey for unfettered-access to health care dollars from a payment system incapable or unwilling to employ necessary mechanisms to appropriately address fraud – on the front-end before the claims are paid! These deviant providers and suppliers know that every claim is not looked at before it is paid, and operate knowing that it is then impossible to detect, investigate and prosecute everyone who is committing fraud!

5 Expert Insider Steps to Begin Transforming Your Health & Body Today

While yes, our team is born in a world of intense high athletic goals such as bodybuilding, it is not our goal to support people to become bodybuilders – FAR FROM IT!;-) So you can relax now!! But it IS our goal to share with you why the lessons from our experience of mastering human health & the body, & how developing a bodybuilder “mentality” for your own life can literally skyrocket you into a level of personal health you never thought possible, while showing you the shortcuts in how to get there! Sound good? Heck, it sounds GREAT to us, because we already know how it can CHANGE YOUR LIFE.

If you are serious about stepping into your greatness of feeling & looking great, take 3 minutes & glean our insight, because this is the single-most MISSING LINK that we see people repeatedly leaving out of their game plan to great health & why they continue to fail at achieving quality health for their lives.

When you have had an experience of taking your mental, emotional & physical self to the level that bodybuilding competition requires, as a coach for others it then allows you to see potential for your clients that they could never envision for themselves without you by their side AND TAKE THEM THERE, and that is the beauty of the gift that we REJOICE in offering others in order to achieve optimal health, energy, & joy for their lives. But to get there…to create a successful transformation of your health & body, you HAVE to begin INSIDE with our 5 MUST-HAVE Steps! Yes, that’s right – the focus begins in the MIND. Time & again we see this process work, and it’s our UNIQUE coaching psychology method that sets us apart, & why we are capable of producing jaw-dropping results with the level of motivational mentality we provide. You can have all the knowledge in the world, but if you fail to develop the DESIRE & MINDSET to IMPLEMENT it, you will never succeed.

Want the insider view to our winning approach to learn how to transform your own health & body? We’re here to offer you the scoop because it’s our desire to support you fully to achieve authentic, preventative health from the inside, out in your lifetime. So where do we begin? There is a prolific spiritual author named John Maxwell, maybe you’ve heard of him, maybe you haven’t – but he writes of numerous spiritual topics & speaks on how we create TRUE transformation for our lives. Below we adapt his words for our article today because it’s a brilliant synopsis of just why & how we work with clients to coach them through mastering their personal health, as there are so many levels to the process.

When we discuss transformation of the physical body, to be successful we cannot deny that mind, body & spirit are woven tightly together in our being & therefore EACH needs to be considered – not just one. Often people when wanting to conquer health or healing goals immediately BEGIN at the physical, they think weight loss, nutrition, exercise…but that is their first step to failure because they’re joining the race before they’ve even laced their shoes!! When we fail to address mind & spirit in the health process we eventually lose the vision of why we’re addressing the physical in the first place & sadly fall off course when interest wanes, times get tough, or we lose our way because the how-to’s become unclear or appear out of reach. But if we start INSIDE & work OUTWARDS friends, GAME ON!!

Our 5 Expert Insider Steps to Transforming Your Health & Body

So these 5 KEY STEPS must be addressed in order to achieve a complete & SUCCESSFUL health & body transformation, and they must also be achieved in order as follows…

1. When you change your (health & body) thinking, you change your (health & body) beliefs.

If you think what you’ve been taught is healthy by the mainstream media is where your learning stops, then don’t expect to achieve great illness-free, authentic preventative health because they don’t teach proactive health approach, they teach reactive wait til you get sick & then act health approach. Begin to change your thinking to change your belief system about your body and health potential.

2. When you change your (health & body) beliefs, you change your (health & body) expectations.

Once you begin to expand your thinking, start to also seek out experts in areas of health & body who have shown & continue to show PROVEN ABILITY TO CREATE TRANSFORMATION RESULTS in their own health & body that you would like to emulate. Begin to sponge knowledge from them vs. what mainstream media claims leads to great health results, & you’ll in turn raise the bar on what you expect from your own health. You’ll see your new mentor/s are just ordinary people too like you, who decided to blaze their own health path about the quality of health they wanted to achieve for their life by taking the road less followed for their own health in life, and YOU CAN TOO – if you follow in their footprints.

3. When you change your (health & body) expectations, you change your (health & body) attitude.

Once your mind becomes opened by experts to your new health possibilities, you’ll have a renewed attitude & confidence about your abilities & empowerment around your personal health & begin to realize that anything you put your MIND to, your BODY can achieve -with the right tools in your toolbox. And THAT is exciting!

4. When you change your (health & body) attitude, you change your (health & body) behavior.

Now that you come to the table with a revitalized health attitude of possibilities & an arsenal from your health mentor, your entire being & behavior begins to shift because your mentor connects you with your own personal ability to achieve great results for your health, and as that continues to happen over and over, your self-efficacy GROWS & GROWS around your capabilities to manage your own personal health, as you transition into your own personal mini-health-expert!

5. When you change your (health & body) behavior, YOU CHANGE YOUR LIFE.

Now that you’ve achieved health & body mastery, you will begin to see an entire energetic, mental & emotional shift in your life that FAR EXCEEDS the physical. Yes, you will look & feel great, but the ways optimal health radiate outwards to all facets of your life will be astounding, as you attain a personal joy in life through health that you’ve never experienced before. No pills, no roller coaster of energy, no food cravings, no more blah approach to life, no more hiding from life within your own body,…you emerge a renewed person, ready to take on your full potential in this life.

This list is the perfect example of why health coaching with experienced experts not only WORKS, but offers you AMAZING, permanent results you could never envision or achieve on your own. With the support of your coaches seasoned & proven mentality of success in health & body transformation, you develop a similar mindset, outlook & body of knowledge in order to reach external goals of physical health & body success!

Health Care Reform is Not Healthy

HEALTH CARE REFORM IS NOT HEALTHY!

LET’S CALL IT WHAT IT Is – HEALTH INSURANCE MONEY ALLOCATION AND RE-DISTRICTING

Health insurance premiums are driven by the success or failure of actual health recovery maintenance and the costs required to deliver of service. Harris L. Coulter, Ph.D., of Washington, DC, and editor of the 8th edition of the HPUS,is an internationally renowned medical historian and author of over 30 books and essays, which include: THE DIVIDED LEGACY, a four volume epochal history of medicine, which covers its origins to present day.

“Society today is paying a heavy price in disease and death for the monopoly granted the medical profession in the 1920’s. In fact, the situation peculiarly resembles that of the 1830s when physicians relied on bloodletting, mercurial medicines, and quinine, even though knowing them to be intrinsically harmful. And precisely the same arguments were made in defense of these medicines as are employed today, namely, that the benefits outweigh the risks. In truth, the benefits accrue to the physician, while the patient runs the risks.”-Harris Coulter, Ph.D., (Divided Legacy Vol 3)

There is no question we need reform in the areas of disease elimination improvements in Health, better delivery of health care when it is needed and health insurance parity. Personally, am all for reform, but let those reforms ring with the clarity of Truth and illuminate our way through the fog obfuscation.

Overall chemo-therapy and radiation are documented to be an absolute failure in the so-called war against cancer. The long-term survival rate of cancer patients using orthodox therapies remains abysmal and the statistical reportage is obfuscated.

Refer to: New England Journal of Medicine, “Progress Against Cancer,” May 8, 1986 by John C. Bailar, III and Elaine M. Smith, and a ten-year follow-up “The War on Cancer” which appeared in Lancet, May 18th, 1996, by Michael B. Spoorn. Therein is published in leading medical journals, but they remain as the only therapies and pharmaceutical companies enjoy federal mandate.
Stated simply you cannot poison a sick person well.

HEALTH CARE REFORM is a meme used to numb the mind and sway political process but has little or nothing to do with health and certainly is neither, reform in the ways the public perceives, nor what they dearly need.

Merely by changing who and how much they profit for health services is only a small fraction of the underlying problem and ultimately it’s you who pay. Current Congressional debates will not offer true reform of our systemic disease CARE, but strengthen insurance profits and control.

The fruit of the healthcare tree, while certainly abundant, is altogether rotten, because the roots are corrupted by disease. If the Food and Drug Administration which regulates both FOOD and drugs while having far reaching powers that are beyond the Constitution of the United States of America, is powerless to effectuate the genuine change required to modify the so-called health industry.

Nor can the FDA provide the reforms by its far reaching power and control, then how can we expect it to come from mandates from an under educated over lobbied congress?

Give credit where due, the FDA has been effective in causing millions of tones of ground meat and spinach. A little too late perhaps as the FDA has done nothing to stop chemical companies from pouring oceans of deadly toxic, and known carcinogens on our crops.

“Water and air, the two essential fluids on which all life depends, have become global garbage cans” ~ Jacques Cousteau

HOW CAN YOU HAVE HEALTH IF WE DON’T HAVE CLEAN WATER AND AIR?

We must stop poisoning our earth with unnecessary toxic chemicals, which leaches out the elements and minerals building blocks of the cells of our bodies, and support and teach the farmers on bio-dynamic farming.

Why is there no respect for and replication of how the Hunzas and several other tribes on earth, wholive to be well over 120, and disease free.

These tribes drink the water which comes off of the slow grinding of the glacier across mountain terrain and gives minute quantities of every element and every mineral. Their cells have
access to all the natural building blocks of life and therefore remain impervious to invasion and disease.

Health and Old Age Places with High Longevity: Hunza Pakistan the area of Hunza in Pakistan which has a high level of longevity. A Guide to Shangri-La: The Leading Longevity Sites on Earth

For Americans and the world at large where the crop land is awash in chemicals the minerals and elements are leached out of the soil and the roots of our food crops are have no way to chelate them so that we can digest them into our bodies.

What follows is a well known symptom called pica, and we are constantly looking for something to eat to satisfy the hunger of the cells and this leads to obesity and disease on a national scale.

There are solutions, but the FOOD administration, has done nothing to listen to, study, implement, nor promote the use of Bio-Dynamic Farming, which is proven to produce greater volumes of crops far healthier and do not poison our water aquifers.

One fairly recent proactive move; the FDA and the FTC have enforced the little known Federal Law under USC Title 21 Part 56, INFORMED CONSENT. This activity is evidenced by the too frequent drug commercials and advertisements. To name one example the anti depressant drug, ABILIFY, is known to cause death and suicide.

To our detriment and demise, the FDA has a tunnel vision partisan perspective and always reactive, rarely proactive when a patient actually dies from using an FDA approved drug, they routinely avoid any blame and state “there is no conclusive evidence to prove it was because of the drug.” No drug company is ever charged with a crime and no executives, nor doctors, are criminally charged for manufacturing, nor for prescribing the drugs.

WHY? Because the drugs are FDA approved so it would mean they are culpable.

However, when a substance derived and used by another Healing Art, i.e. Homeopathy, is found to be highly effective in combating and eliminating a disease such as cancer, or reversing the side effects of AIDS, a stroke, or Cystic Fibrosis, to name a few, the FDA routinely states there is no scientific evidence to support the claims moves swiftly to prosecute to the fullest extent of the law.

We must continue to strengthen the education of the public on sound fundamentals of health maintenance.

We must allow for access and coverage to all branches of the Healing Arts. This is known as the ECLECTIC. The allopathic cartel are not the arbiters of truth, nor have they proven to be honorable stewards, nor have they provided viable solutions where other forms of healing arts have been successful, in some cases thousands of years.

THE PROBLEM

The problem is that over the past 67 years, a Federal Agency, the Food and Drug Administration, created in 1938 as an agency to ensure that Food, Drugs and Cosmetics moving in interstate commerce, were pure, unadulterated, contained what was stated on the label and safe for human consumption.

Over the years the FDA has undergone a metamorphosis and has become a threat to the civil liberties and public health of Americans, as well as added incredibly to the cost of the products it regulates.

The FDA has a long history of using the resources of the agency to conduct Gestapo type raids on medical clinics, terrorizing patients, staff and practitioners, seizing quantities of vitamins, manuals and harmless natural products, issues completely inaccurate, indeed, deliberately mendacious publicity releases slandering practitioners, nutritional products and innovative drugs and has so far departed from the purposes for which it was created as to become a menace to both the public’s health and their civil liberties.

Under 80 or more years of Allopathic domination, the standardized American health care system is unable to:

(1)Control the resurgence of Tuberculosis in the country;
(2)Control the rising rate of Cancer deaths;
(3)Control the rising rate of coronary artery deaths;
(4)Lower the infant mortality rate;
(5)Find an effective cure for AIDS.

There are available answers to all these deficiencies, but none of them are embraced in Allopathic Doctrine.

The question presented is, if there is any legal control over this vast agency and any way citizens can take legal action to cause the agency to be brought under control and be forced to comport itself in accordance with the intent of Congress in creating it, and the additional question of whether or not citizens who have been harassed by its Ultra Vires activities may sue for damages or other relief.

If such legal action is possible, is such legal action the best, or the sole means which can or should be employed to bring the agency under control.

A further question may be what or who is responsible for the agency getting out of control and what, if anything, can be done to ensure that the agency does not get out of control in the future and once again become a menace to society.

ANALYSIS

The agency in question, the Food and Drug Administration, is an out of control bureaucracy, undertaking to perform some proper regulatory functions but devoting many of its resources to illicit functions not contained in its enabling legislation and not permissible under the constitution.

The agency [which was] directed by Commissioner David Kessler, M.D, JD, who assumed the position after the enforced resignation of Joe Young, PhD, has done little to change its behavior except put on a fresh face from time to time.

An investigation revealed widespread corruption with many officials, taking large bribes, not to mention every member of Congress who are heavily lobbied by industries it was supposed to regulate, and the entire agency was demoralized and ineffective.

The agency has openly and notoriously formed “partnership” with private trade associations and special interest groups for the purpose of aiding and abetting non-price predation in the health care market.

The agency has lawful jurisdiction over some Foods, Drugs and medical devices which are in interstate commerce and has no jurisdiction over the practice of medicine or other healing professions.

Despite this rather clear distinction, the agency repeatedly attempts to interfere with health care practitioners by means of its enforcement powers and by liaison with state regulatory agencies, and by conducting Gestapo type raids on the offices and clinics of health care practitioners who practice in Schools of Practice other than the Allopathic School and by attempting to suppress the use of techniques of healing and of products for use in health care which are not within its regulatory jurisdiction.

THE BUREAUCRATIC ANTI-COMPETITIVE CAMPAIGN
WHICH POSSIBLY INADVERTENTLY or INTENTIONALLY CREATES GENOCIDE

This claim is born of deliberate suppression of health technologies which are non-toxic, effective and inexpensive; to name only a few in critical areas, these include:

I. CARDIOVASCULAR DISEASES
EDTA Chelation – Adrenal Cortical Extract

II. STROKE PREVENTION AND REHABILITATION
Oxidative Therapies / Hyperbaric Chamber / Ozone
EDTA Chelation
Human Growth Hormone

III. CANCER AND AIDS
IAT, Laetrile, L-Arginine, Black & Yellow Salves, Gerson Therapy, 714-X, Homeotherapeutics, Krebiozen, Essiac, Immunostim, anti-neoplastin, Hoxey, Glixoxide, Revicci Therapies and many others, too numerous to mention here.

THE STATE AND FEDERAL AGENCIES INVOLVED IN ANTICOMPETITIVE ACTIVITY

California (most active)

Department of Consumer Affairs
State Board of Medicine
State Board of Dental examiners
State Board of Osteopathic Examiners
State Board of Chiropractic Examiners
Acupuncture Committee
Food and Drug Branch
Attorney General’s Office
San Diego City Attorney’s Office

Other States (Generic)
State Board of Medical Examiners
State Board of Dental Examiners
Attorney General’s Office

Private Organizations Involved
Pharmaceutical Advertising Council
National Council Against Health Fraud (and affiliated organizations)
National Federation of State Boards of Medical Examiners

Administrative Agencies
NCI – National Cancer Institute
CDC – Centers for Disease Control
FDA – Food and Drug Administration
NIH – National Institutes of Health

Private Organizations
American Heart Association
American Cancer Society
Memorial Sloan Kettering Institute
Mayo Clinic
American College of Allergy
Roswell, et al

In HEALTH UNITED STATES, an annual publication by the federal government, our national death rate from cancer is approximately 2,500,000 people per year and the rate is rising. Assuming a cost of $80,000 to $160,000 per person over the last 20 years, that figure represents $200,000,000 to $370,000,000 per year and 50,000,000 lives, or $4 TRILLION to $7.5 TRILLION dollars funneled from our collective economy into the hands of the medical pharmaceutical cartel. Is it any wonder, then, why we cannot find a cure?

In addition One of the first targeted, the FDA, or “Big Medicine,” since the early 1900’s, in this country was Dr. Royal Raymond Rife. His powerful evolutionary microscope, capable of shattering cancer cells and viruses with radio frequency vibrations, was destroyed and his books burned by federal authorities and he was imprisoned.

Some other embattled pioneers include, but are certainly not limited to: The healing arts of Ethno botany, Naturopathy Chiropractic and Acupuncture and Chelation, which all met intense resistance and violent opposition by federally protected orthodoxy.

Dietmar Schildwaechter, Ph.D., MD, was invaded in his home office in a militant style by state and federal authorities in the late 1980’s for introducing a cure for squamous cell cancer, which was proven in a 20-year study in Germany.

Andrew Ivy, MD, a pillar of the A.M.A., who came back from Germany after participating as a panelist in the Nuremberg war crime trials with a cure for cancer called Krebiozen, had his career shattered.

Bruce Halstead, MD;
Warren Levin, MD;
Vincent Speckhart, MD;
Royal Raymond Rife, MD
Wilhelm Reich, MD;
Jossef Issels, MD; and Max Gerson, MD;
Joseph Gold, MD,
Emmanuel Revici, MD;
Stanislaw Burzynski, MD;
James Privitera, MD;
Ed McCabe, author of Oxygen Therapies, jailed for 547 days; a best selling author.
Hulda Clark, ND;

There too many more which are not listed here. These gifted pioneers brought relief to a suffering humanity and were ruthlessly attacked by medical authorities and scientific dogma. Each paid a high price but distinguished themselves by their courage and resolves to stand up for their convictions, even in the face of overwhelming opposition, loss of license and jail. For a closer look at the inner workings, read: THE CANCER INDUSTRY: the Classic Expose ‘on the Cancer Establishment, by Ralph W. Moss, Ph.D.

The FDA regularly approves dangerous, often lethal pharmaceuticals. The side effects of these potentially deadly, or harm causing pharmaceutical drugs can only be fully discovered by wide-spread use. This is despite the average $250-500,000,000 and 15 years to bring these drugs to market, including phase trial tests, trying to prove the elusive “efficacy” requirement of the F.D. &C. Act.

Typically, after one of their highly publicized “wonder” drugs fails, causes death or serious side effects, no FDA official nor PAC member company president, research assistant, corporate official, company doctor, nor testing lab will be subjected to raid, investigation, indictment or jail term.

To the trauma and suffering to the patients and their families and the productive work force, it comes with a hefty price tag.

Both Gaston Naessens and Dietmar Schildwaechter, Ph.D., MD, spent the last 40 years perfecting independent blood tests, which are able to pre diagnose any type of cancer and immune disorders up to two years prior to their onset, with a 1% margin of error. The industrial average false/negative ratio remains extremely high by comparison, yet these new tests are ignored or met with resistance.

THE RELEVANT SERVICE MARKET AND SUBSTITUTABLE ECONOMIC COMPETITORS

The Eclectic Practice of Medicine*

In 1906, Dr. Rolla Thomas completely revised the 1866 teaching manual by John Milton Scudder, and revised it yet again in 1907. This was the culmination of a thirty-year frenzy of published creativity at the Eclectic Medical Institute in Cincinnati, Ohio, and was the main teaching text at that school until the1930s…the college closed in 1939.

“…it were better for the doctor if he can forget that his patient has typhoid fever, pneumonia, dysentery, or whatever he may have, and study the conditions that are present. This may be wrongs of the circulation, of the nervous system, of the secretions, of digestion, of assimilation, or wrongs of the blood, but whatever the basal lesion, it must be overcome if the patient is to be benefited by medication.”

THE MONOPOLIZATION OF MEDICINE

The health care industry during the Progressive Era is well documented in academic studies and can reasonably be accepted as a given here without describing in great detail how or why it occurred. However, it was funded largely by the Rockefeller and Carnegie fortunes and was done to guarantee a dominant place in health care for the products of the petrochemical industry.

The Allopathic School of Medical Practice was picked to become the dominant survivor of the monopolization because it was:

(1) Numerically the largest,

(2) Had no well established system of doctrines which made it antagonistic to the use of a system of therapeutics based on petrochemical therapeutics,

(3) Was represented by a fairly well organized and active Trade Association which was receptive to a take over by the funders,

(4) Urgently needed a large infusion of cash and political influence to stop the growing public acceptance of its economic rivals and competitors,

(5) Had little to offer its members without such an infusion of cash and political influence,

(6) Were headed by a staff which welcomed any help – motivated by absolutely no idealism and almost entirely by avarice, the staff of the AMA was easy to enlist in the monopolization and proved extremely efficient – particularly Morris Fishbein, whose role was pivotal and whose service spanned several decades of the monopolization.

One of the chief monopolization strategies was through take over of medical education and the schools or universities which offered this. There were several hundred which offered a two year course in Allopathic Medicine and granted the M.D. degree, which was the sole credential necessary for practice at that time.

Competitive medical universities operated by Homeopathic and Eclectic interests were fewer, but at least 75 existed – some well established and endowed.

The monopolist could have selected any of these; they were all easy targets, but the Allopathic School of Practice had a void in its therapeutic system which made it ideal for the monopolist and the Homeopathic and Eclectic Schools had therapeutic systems which offered little room for the
incorporation of petrochemical technology.

Many Americans, at least those who could afford to do so, went abroad for their medical education, initially to England or Scotland but eventually to Germany where State supported Universities had better facilities and foreign students who could and would pay tuition to augment the salaries of the faculty were welcomed to the extent that lectures were offered in English as well as German to facilitate and accommodate these foreign scholars.

To a man, the initial faculty of John’s Hopkins, the first of the Medical Universities to be established and funded by the monopolists were graduates of German Universities and brought to the University both the medical and the political orientations gained as students at German universities, which they passed on to the students of John’s Hopkins, most of whom went out to become the faculties of other American medical colleges and further incorporate both the medical and the political orientations of German universities into the graduates of American Medical Universities funded by the monopolists. Those orientations remain a part of Allopathic medicine in the United States today.

This is primarily important in considering the role of the Allopathic School in genocidal activity, which the German medical profession entered into without protest between 1934 and 1945 under the National Socialist Regime in Germany.

Federal control started in earnest around 1938 with the Pure Food, Drug and Cosmetic Act and this became what it is today in 1962 with the Kefauffer Amendments to that Act, which amendments included for the first time, an efficacy requirement which gave the FDA far more power to control both drugs and information about drugs.

The Federal Act was not intended to give the agency any control over the practice of medicine or other health care professions and both its language and many decisions of Federal Courts make that clear. Nevertheless, the agency has made and continues to make increasing excursions into attempts to control the practice of medicine.

Since 1910, a combination of some practitioners and some manufacturers of goods involved in this market has attempted to attain a monopoly in the market to the exclusion of substitutable economic competitors.

Some of the goods in this market, particularly those consisting of synthetic petrochemical pharmaceuticals, are preferentially used by the practitioners involved in the monopolization to the virtual exclusion of other goods.

However, a large amount of the goods involved may be purchased and used by consumers without the recommendation or authorization of health care practitioners and the consumer is free to consult such practitioners or not as he or she sees fit, in most circumstances.

Licensure of health care practitioners is a function of State governments, all of which have a system of examination and licensure of some health care practitioners. There is some variation from state to state in which practitioners are licensed and which are not licensed.

There is universal licensure of physicians and surgeons, osteopathic physicians and surgeons, dentists, chiropractic physicians and there is considerable variation as to the licensure of naturopathic physicians and Oriental medical practitioners (acupuncturists) on a state by state basis.

Despite the state by state variation, all of these practitioners practice in a virtually uniform fashion all have trade associations and specialty societies which are national in scope and all receive fairly standardized training.

Licensure for physicians and surgeons was initially begun around 1890 on a state by state basis at the instigation of the American Medical Association, which is the trade association for the Allopathic School of Medical Practice.

When the process was begun, State Legislatures typically created three separate State Boards of Medical examiners, to examine and license medical practitioners of the Allopathic, Homeopathic and Eclectic Schools of Medical Practice; in many states the Osteopathic School was also given a Board of Examiners.

Initially, the licenses granted to these practitioners was to treat any human disease, disorder or condition by drugs, surgery or any other means and all persons not so licensed were forbidden to undertake such activities for compensation.

Shortly thereafter, other health care practitioners were also given licenses which carried out certain exceptions to the universal licensure of physicians, such as Dentists, Podiatrists, Pharmacists, Nurses, Midwives, Physiotherapists and eventually, Acupuncturists.

The campaign for licensure carried out by the AMA was for the purpose of attaining for its members an exclusive license to practice health care for compensation and to exclude all substitutable economic competitors from the market.

This was not accomplished as State Legislators usually saw fit to license their economic competitors as well in order to maintain competition in the Relevant Service Market.

The campaign to attain exclusive licensure not having succeeded, the AMA next attempted to bring about a merger between the competitive schools of medical practice; that campaign is ongoing and has succeeded in some states to a degree, although all states continue to license health care practitioners who are substitutable economic competitors to allopathic physicians and have clearly articulated policies encouraging competition between different sorts of health care providers, set forth in state legislation.

The AMA and its component state medical societies, nevertheless, continued with unrelenting efforts to monopolize health care and have been convicted of Antitrust violations repeatedly.

The Federal Trade Commission brought an enforcement action against the AMA and its component societies resulting in information concerning anticompetitive misconduct and subsequently a private enforcement action by 4 chiropractors resulted in further permanent injunctions against anticompetitive misconduct.

The later action, Wilk, et al. v. AMA was based upon a campaign conducted by the AMA through its Department of Investigation and Council Against Quackery “to first contain then eliminate Chiropractic”.

During the litigation, the Department of Investigation and the Council Against Quackery were hurriedly disbanded by the AMA and files of these organizations were handed over to a private organization which, funded by the Pharmaceutical Advertising Council, continues the anticompetitive campaigns as an ostensible private organization, which is actually an AMA front organization. Its anticompetitive activities have intensified since the injunctions against the AMA were issued and affirmed.

A large part of the plan of monopolization has been and continues to be the suppression of information about health care providers and modalities which are competitive with those of AMA members.

The AMA initially formed a sub rosa organization, the “Health Information Control Council” which had members from several bureaucratic regulatory agencies as members. This was also broken up during the Wilk litigation.

As a part of the Wilk litigation, the Court held that calling a licensed competitor a Quack would constitute an antitrust offense; since that time the AMA front organization has substituted the word “fraud” for “quack” in its anticompetitive campaigns which increasingly are undertaken with State and Federal bureaucrats into whose “hidden agendas” the achievement of monopoly by the AMA and standardization of therapeutics fit extremely well.

During the past 25 years, most of the monopoly activity of this AMA front organization has been with bureaucrats and third party payees, such as Blue Cross and Blue Shield, which are both private insurers and pay agents for governmental programs such as Medicare.

In these situations, these “insurance companies” do not function in their traditional roles as casualty insurers, but rather as cost-plus contract pay agents and, in this role, their activities neatly interface with both the AMA’s monopolization efforts and the “hidden bureaucratic agendas” of regulatory agencies.

It is this combination of the AMA, acting through a front organization, the “insurance” companies who are not insuring but acting as cost-plus contract pay agents and the regulatory agencies involved in a “hidden agenda” which in combination, are bringing about and attempting to bring about the monopoly in health care which the AMA has been engaged in creating since 1890.

This combination has already succeeded in dangerously decreasing the quality of goods and services and astronomically increasing their price in the Relevant Service and Goods Market.

This has been accomplished by bureaucratic activity which is directly violative of the clearly articulated policies of the States and has as its purpose both increasing such costs and decreasing the quality of goods and services, and although it is state action, it is not such state action as is protected from Antitrust scrutiny by the State Action Exemption to the Antitrust Laws.