Latest / Wayne Allyn Root’s WAR Zone Audio Hours / Wayne Allyn Root WAR RAW 12/30/24 Hour 2
Transcript
- 0:10Speaker 1: Warning the Root, The Root, the Roots on fire.
- 0:14Speaker 2: You're about to experience the most high octane pedal to
- 0:16Speaker 2: the metal controversial show of your life. Please buckle up
- 0:20Speaker 2: and hold on tightly. This station is not responsible for injuries.
- 0:24Speaker 2: This is Wayne Alan Root, Raw and unfiltered with America's
- 0:27Speaker 2: favorite conservative rock star, direct from the entertainment capital of
- 0:31Speaker 2: the world, Las Vegas. What time is it?
- 0:34Speaker 3: It's time war war.
- 0:38Speaker 1: Here's your host.
- 0:39Speaker 2: One hundred percent raw Truth, one hundred percent American made
- 0:43Speaker 2: the Warrior, Wayne Alan Roots.
- 0:57Speaker 3: Hi, Here we go.
- 1:00Speaker 1: Ks and gentlemen, Welcome, Welcome, Welcome to our number two
- 1:04Speaker 1: on the talk media network. My name is Lee Elsie.
- 1:07Speaker 1: They call me the Voice of Freedom. You can check
- 1:10Speaker 1: me out online at leels dot com. You can email
- 1:13Speaker 1: me Lee Elsiradio gmail dot com. I know it's hard
- 1:16Speaker 1: to spell, so I'll do it for you. L E
- 1:18Speaker 1: E E l CI. Throw a radio on the end
- 1:22Speaker 1: of that, and you can email me from wherever you
- 1:25Speaker 1: are across the entire country. Our pals are up there
- 1:28Speaker 1: in Minnesota pushing the buttons making this go. No Lindell
- 1:30Speaker 1: TV Man. I put on my fancy three thousand dollars
- 1:35Speaker 1: three piece suit to try to look even close to
- 1:39Speaker 1: as good as Wayne looks, although that's not even possible.
- 1:42Speaker 1: But still no frankspeech dot com. Hopefully next time we
- 1:45Speaker 1: are alive, which will be Thursday after tonight, we'll be
- 1:49Speaker 1: able to bring frankspeech dot com up and online. They
- 1:52Speaker 1: switch their studios, not that you need all that information,
- 1:55Speaker 1: but they did. That's why we're not there. But hopefully
- 1:58Speaker 1: when we are filling in on third day, we will
- 2:01Speaker 1: be back up live and in running in perfect order.
- 2:05Speaker 1: So again, thank you again. Our number DOSO the broadcast
- 2:09Speaker 1: coming up at the bottom of the hour, We're going
- 2:10Speaker 1: to check in with our good friend doctor Mary Powell
- 2:12Speaker 1: Saint Louis. We'll talk a little bit about healthcare. She
- 2:15Speaker 1: wants to get into a number of different things in
- 2:18Speaker 1: the world of healthcare and coverage and all of that
- 2:20Speaker 1: good stuff, so stick around for that for sure.
- 2:22Speaker 4: I do.
- 2:24Speaker 1: I want to get into a couple of things Biden.
- 2:26Speaker 1: I guess apparently Biden has regrets about his presidency. I
- 2:31Speaker 1: too have regrets about Biden's presidency. But apparently he's having
- 2:36Speaker 1: a couple of reflective moments here at the end the
- 2:38Speaker 1: tail end of his four year disaster, which leads me
- 2:42Speaker 1: to a topic that I would like to talk about,
- 2:44Speaker 1: something that I think we have been missing since Biden
- 2:48Speaker 1: became the president, and that's the virtues of nationalism. So
- 2:57Speaker 1: when you say nationalism, people run are afraid of that because, well,
- 3:03Speaker 1: some people equated nationalism you mean white nationalism. Now, that's
- 3:09Speaker 1: not what I mean. Nationalism is a principled commitment to
- 3:17Speaker 1: prioritizing the interests, the culture, the sovereignty, the welfare of
- 3:23Speaker 1: one nation over the external influences or the global ideals.
- 3:30Speaker 1: That is what nationalism is. It is country first. Again,
- 3:35Speaker 1: is often misrepres misrepresented, and it's always injected with a
- 3:42Speaker 1: sense of racism or isolationism. But nationalism transcends race and
- 3:49Speaker 1: embraces the unity of a shared national identity. And we
- 3:55Speaker 1: have been missing that because the old man in Washington,
- 4:02Speaker 1: d C. Doesn't have it and he doesn't have a
- 4:06Speaker 1: way to give it to us. That's the truth. That
- 4:12Speaker 1: is the truth. Nationalism champions patriotism, self reliance, and the
- 4:18Speaker 1: protection of a nation's cultural heritage. We have been lacking that.
- 4:28Speaker 1: The key virtues of nationalism sovereignty, self determination, protecting a
- 4:34Speaker 1: country's right to be governed itself without undue influence from
- 4:40Speaker 1: foreign powers. See, we are living in this chaotic progressive
- 4:46Speaker 1: soup for better lack of a better term, and we
- 4:52Speaker 1: have been spending four years. The truth is the last
- 4:57Speaker 1: four years has to be studied by scholars. That's how
- 5:02Speaker 1: crazy it's been, That's how insane it's been. Think about it.
- 5:09Speaker 1: Think about the people that Biden put into places of power.
- 5:13Speaker 1: These crazy lunatics in the highest levels of office, running
- 5:18Speaker 1: around with makeup and address on. These are guys stealing luggage,
- 5:23Speaker 1: all kinds of nonsense happening just to try to I
- 5:29Speaker 1: guess play cake is insanity of diversity, equity and inclusion.
- 5:37Speaker 1: And what did we get for? Well, we've got a
- 5:39Speaker 1: borderless society, a lawless society, a rudderless society, a lack
- 5:45Speaker 1: of patriotism, society, no identity, no economic independence. The nationalism
- 5:56Speaker 1: the approach prioritizes self reliance and a self reliant economy,
- 6:05Speaker 1: not one where you're spoon fed by the federal government.
- 6:11Speaker 1: And don't forget there's a cultural heritage in this country.
- 6:16Speaker 1: When you say you want to hold on to your culture,
- 6:18Speaker 1: that's not a bad thing. It doesn't mean that we
- 6:23Speaker 1: don't want influences from other cultures things that are good.
- 6:28Speaker 1: That's fine, and we've been that way for two hundred
- 6:31Speaker 1: and fifty years. But we can't lose our own identity.
- 6:37Speaker 1: That is, that's the part of the equation that seems
- 6:41Speaker 1: to be always missing, right, the fact that somehow if
- 6:44Speaker 1: you say I want to hold onto my culture because
- 6:47Speaker 1: it's important, you know where I came from, how this
- 6:50Speaker 1: country got to be where it is, and somehow you
- 6:52Speaker 1: want to push that away as if it doesn't matter.
- 6:55Speaker 1: It doesn't matter. Nationalism is a out all those things,
- 7:01Speaker 1: a defense of your cultural heritage. It's about national security,
- 7:07Speaker 1: it's a it's about not having wide open borders. It's
- 7:12Speaker 1: about prioritizing the safety and security of the citizens again
- 7:17Speaker 1: by enforcing strong borders and having a robust military. It
- 7:23Speaker 1: again rejects the policies of globalism. I always try to
- 7:28Speaker 1: make this point, not always, but I make this point
- 7:30Speaker 1: from time to time that you know, in the in
- 7:33Speaker 1: the world of Star Trek, if those of you who
- 7:35Speaker 1: watched Star Trek, right, they had this United Federation of Planets, right,
- 7:40Speaker 1: so everybody was on this. We're not We're not there,
- 7:42Speaker 1: We're not going to get there, right, We're two tribal
- 7:48Speaker 1: as of as of this point in history, and when
- 7:51Speaker 1: you try to breach those those tribes, you end up
- 7:57Speaker 1: with utter, sheer chaos. And I blame in this case,
- 8:02Speaker 1: I still go back and blame this administration for leading
- 8:05Speaker 1: us down this road to ruin because we don't have liberty.
- 8:09Speaker 1: We don't stress liberty in this country, at least not
- 8:14Speaker 1: this particular administration. We need to defend individual freedoms, constitutional rights,
- 8:22Speaker 1: do that against the overreach of global institutions. And again
- 8:28Speaker 1: I keep going back to the same term accountability for people.
- 8:32Speaker 1: You have to be accountable for your actions. Can't rely
- 8:35Speaker 1: on somebody else to be accountable for you. And by
- 8:39Speaker 1: the way, another side to this too, charity. Right, we
- 8:42Speaker 1: always talk about all, well, you know, we've got to
- 8:43Speaker 1: do better, got to do better for other nations. Let's
- 8:45Speaker 1: give money to these people, Let's give money to these people.
- 8:47Speaker 1: What about giving money to folks that need here first?
- 8:51Speaker 1: How about that nationalism recognizes the moral responsibility of a
- 8:58Speaker 1: nation to address the needs of its own citizens before
- 9:02Speaker 1: extending aid abroad. How dare you allow somebody who's an
- 9:07Speaker 1: American citizen to sleep under a bridge and be hungry
- 9:10Speaker 1: at night? Yet you give billions of dollars to other
- 9:16Speaker 1: nations billions, and we have really no oversight on where
- 9:19Speaker 1: that money goes. That is shameful when you think about it.
- 9:25Speaker 1: So remember nationalism is not I repeat, not racism. It
- 9:32Speaker 1: is not isolationism. It comes down to nationalism versus globalism.
- 9:40Speaker 1: Globalism wants the borderless world, undermining national sovereignty traditions, undermining
- 9:49Speaker 1: the local economy, while nationalism defends the principles that the
- 9:54Speaker 1: nation should maintain, principles that you want, principles that I want.
- 10:00Speaker 1: Actually is noble. It's a unifying force that promotes sovereignty, unity,
- 10:09Speaker 1: economic strength, cultural preservation, and it offers the framework for
- 10:18Speaker 1: nations to thrive independently while fostering pride and loyalty among
- 10:24Speaker 1: their citizens. Up until November fifth, most of us didn't
- 10:30Speaker 1: feel pride. Right Biden was our president. You have to
- 10:34Speaker 1: recognize him as such, even though the twenty twenty election
- 10:37Speaker 1: clearly there was something diabolically wrong with it. But we
- 10:42Speaker 1: recognize him as the president. But my heart was never
- 10:45Speaker 1: filled with pride while he was the fearless leader at
- 10:49Speaker 1: the top. Never not once. So remember, don't be afraid
- 10:56Speaker 1: to puff your chest down and say you know, damn it.
- 10:58Speaker 1: I'm an Amllican, I'm red, white and blue, and I
- 11:02Speaker 1: feel like that is something that the nation now has
- 11:08Speaker 1: sort of reset and we're ready to jump back on
- 11:11Speaker 1: that giant white stallion with the red, white and blue
- 11:14Speaker 1: flag and ride into battle against the rest of the
- 11:18Speaker 1: world in a good way. In a good way. My
- 11:21Speaker 1: name is Lee Elsie. Always appreciate you guys hanging out
- 11:24Speaker 1: with me. I can know Lindell TV today hopefully back
- 11:27Speaker 1: on Thursday. We got you from one coast to another.
- 11:30Speaker 1: We appreciate each and every one of you. If you're
- 11:32Speaker 1: sticking around with us, sky a lout to get to
- 11:34Speaker 1: in the next forty five minutes. Stick around. You are
- 11:36Speaker 1: listening to the Talk Media Network and the show is.
- 11:39Speaker 3: Or Wayne Ellen Root here Ory Trump one and we
- 11:54Speaker 3: know it.
- 11:54Speaker 5: But I'm still feeling something very bad and frightening in
- 11:57Speaker 5: the pit of my stomach. I don't believe for a
- 11:59Speaker 5: second the leftists running our government will accept Trump's victory
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- 14:55Speaker 1: Mad. This is the uh talk media network. My name
- 14:58Speaker 1: is Lee Elsie. And then for Wayne Allen Root Waynes,
- 15:01Speaker 1: got a couple more days off? Welcome back, and again
- 15:03Speaker 1: the bottom of the arrow will be joined by doctor
- 15:07Speaker 1: Mary Powell Saint Louis. All right, Yeah, I gotta talk
- 15:12Speaker 1: about this because I can't let today go without it.
- 15:15Speaker 1: So Hamas spent seven years collecting intel on security cameras, guards,
- 15:23Speaker 1: and even a kindergarten in Israeli communities that were massacred
- 15:28Speaker 1: on October seventh, so documentcies from Hamas operatives showed that
- 15:34Speaker 1: the spying went on for at least seven years before
- 15:38Speaker 1: the attack, revealing a complex operation by sophisticated enemy that,
- 15:43Speaker 1: according to a local report, among the intel that Hamas
- 15:47Speaker 1: obtained with details about a kindergarten and a health clinic,
- 15:51Speaker 1: IP addresses, etc. And they hacked.
- 15:54Speaker 6: In to these accounts and watched these people on security cameras,
- 16:00Speaker 6: figuring out where they would be, how they would move,
- 16:03Speaker 6: what they would do.
- 16:04Speaker 1: All of that, Hamsten murdered twelve hundred people, mostly civilians,
- 16:09Speaker 1: women and children, raped and brutalized them. It's one of
- 16:15Speaker 1: the most horrific stories of my lifetime for sure. And
- 16:20Speaker 1: still still after all of the information we continue to
- 16:26Speaker 1: learn what we continue to glean from these monsters, Still
- 16:30Speaker 1: there are people in this country who make excuses for
- 16:35Speaker 1: what they did and want to defend what they did
- 16:38Speaker 1: and want to protect the terror network that they represent.
- 16:47Speaker 1: This is just a true fact. I talk about this
- 16:50Speaker 1: constantly on my show here in Connecticut. Even today, we
- 16:54Speaker 1: got a number of calls about this very topic where
- 16:58Speaker 1: people are condemned Israeli military for continuing to bombard Gaza.
- 17:04Speaker 1: They should bombard Gaza until there are no Hamas left.
- 17:07Speaker 1: That's it. And it's unfortunate that these cowards hide behind
- 17:14Speaker 1: women and children, in hospitals, in schools, all of it.
- 17:20Speaker 1: This is where they hide, They set up shop. They
- 17:22Speaker 1: used countless, just hundreds of billions of dollars worth of
- 17:27Speaker 1: aid to build an infrastructure to commit atrocities. So why
- 17:31Speaker 1: am I feeling sorry for these folks? I'm not. I
- 17:34Speaker 1: feel bad for the women and children who are in
- 17:35Speaker 1: harm's way, without question. But again, as I've said this
- 17:39Speaker 1: over and over again, Israel had no choice. They had
- 17:43Speaker 1: enough was enough. They were fed up after October seventh,
- 17:48Speaker 1: and they did not want to put their citizens and
- 17:51Speaker 1: harms way anymore. So I think they made a conscious
- 17:53Speaker 1: decision to eliminate every single person who is associated with Hamas.
- 18:00Speaker 1: Let me ask you something else, too, well. I know
- 18:01Speaker 1: we always want to make the women and children and
- 18:04Speaker 1: the quote unquote innocent civilians who are caught in the crossfire,
- 18:09Speaker 1: always want to make them out to be the most altruistic,
- 18:13Speaker 1: obviously benign folks. But if they know, if they're in
- 18:18Speaker 1: an area where Hamas is set up camp, and they know,
- 18:22Speaker 1: how can they not know that they're there, but below
- 18:25Speaker 1: them in the tunnels. And Israel always warns folks when
- 18:30Speaker 1: bombs are coming. Always, yet either they stay because they're
- 18:33Speaker 1: being forced to stay by these monsters who say you
- 18:37Speaker 1: can't leave, you have to be our shield. And yet
- 18:40Speaker 1: somehow I'm supposed to feel sorry for them. I feel
- 18:43Speaker 1: sorry for the women and children who are on the way,
- 18:45Speaker 1: and I feel sorry that they're sucked into this, this
- 18:47Speaker 1: vacuum of death. But there is no excuse for what
- 18:57Speaker 1: Hamas has done to Israel, and the only response thing
- 19:00Speaker 1: that they understand is just absolute brutal figures forced by
- 19:05Speaker 1: the way. One other news story, Treachery says it was
- 19:08Speaker 1: excuse me, the Treasury was hacked by the Chinese operatives.
- 19:12Speaker 1: This is a major incident. You may not have seen
- 19:15Speaker 1: this yet, but the US Treasury Treasury Department is reporting
- 19:18Speaker 1: that it was hacked by Chinese operatives in what it
- 19:23Speaker 1: describes as a major incident. The Department of Publics publicly
- 19:28Speaker 1: acknowledged the security breach on Monday. So the Chinese got
- 19:33Speaker 1: into our US Treasury department. So it's on what will
- 19:37Speaker 1: Trump do when he gets into office. Do you think
- 19:39Speaker 1: Trump will be able to settle these stormy seas. Do
- 19:46Speaker 1: you think he'll be able to figure out a way
- 19:49Speaker 1: to put an end to what's going on in Ukraine?
- 19:52Speaker 1: Do you think he'll figure out a way to sit
- 19:54Speaker 1: down and actually get Hamas to release our after our hostages.
- 20:02Speaker 1: By the way, you know, the hostages that are still
- 20:05Speaker 1: under the thumb of Hamas have been there for four
- 20:07Speaker 1: hundred and forty four days. That's longer than the hostages
- 20:11Speaker 1: when Jimmy Carter was president. You realize that. All right,
- 20:14Speaker 1: Oh yeah, take a break. We'll roll through the bottom
- 20:16Speaker 1: of the hour.
- 20:16Speaker 7: When we come back, we'll have doctor Mary Powell Saint
- 20:19Speaker 7: Louis aboard, certified and licensed physician here in the state
- 20:23Speaker 7: of Connecticut. We'll talk about health insurance costs, claims, denials,
- 20:27Speaker 7: all of that stuff coming up after the bottom of
- 20:29Speaker 7: the hour.
- 20:30Speaker 2: Keep it right here.
- 20:31Speaker 1: You're listening to the Talk Media Network. The show is war.
- 20:41Speaker 3: Hi, this is Wayne Allen Route.
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- 21:50Speaker 1: All right, there we go, ladies and gentlemen, Welcome back.
- 21:53Speaker 1: This is the talkmedia Network. I am filling in for
- 21:56Speaker 1: Wayne Allen Rude. Who am I? Well, my name is
- 21:58Speaker 1: Lee and I appreciate you hanging out with me that
- 22:02Speaker 1: they give me this opportunity. Each and every time Wayne
- 22:04Speaker 1: has been out for the last I think six or
- 22:06Speaker 1: seven years, I have been the official fill in for
- 22:08Speaker 1: Wayne Allen Root when he's gone. I'm the guy that
- 22:11Speaker 1: gets in here. And then of course on Fridays, I
- 22:13Speaker 1: get the first hour on Friday's broadcast, as Wayne has
- 22:17Speaker 1: so many different things going on. So I always feel
- 22:19Speaker 1: humbled and lucky to be on with you. And I'll
- 22:22Speaker 1: tell you this is one of our favorite guests here
- 22:24Speaker 1: that we get a chance to bring on on my
- 22:26Speaker 1: morning show here in Connecticut. She is a board certified
- 22:29Speaker 1: and licensed physician in the state of Connecticut for over
- 22:31Speaker 1: twenty five years. She practiced clinically for many years and
- 22:34Speaker 1: currently works in the industry. She has additional degrees in
- 22:37Speaker 1: public health from Yale and a business administration from Babson.
- 22:42Speaker 1: Her name is doctor Mary Powell Saint Louis. Good morning,
- 22:44Speaker 1: Good morning, Good out to noon talk. How are you high?
- 22:48Speaker 8: Lee, So happy to be with you this evening.
- 22:50Speaker 1: Well, thank you. I'm so glad you're on because I
- 22:52Speaker 1: want to talk to you about a couple of things
- 22:53Speaker 1: that have been coming up not only on my show
- 22:56Speaker 1: but across the country. To health insurance costs, claimsy aisles.
- 23:02Speaker 1: What is the variation of denial rates on claims from
- 23:06Speaker 1: health insurance companies.
- 23:10Speaker 8: Lee, I think, you know, before we jump into that,
- 23:13Speaker 8: I want to just say that health insurance and health
- 23:17Speaker 8: insurers are on everyone's mind. Let's let's talk about the
- 23:26Speaker 8: first reason, and that would be because most of us
- 23:28Speaker 8: have just recently finished our open enrollment for deciding upon
- 23:33Speaker 8: our health insurer for next year. And sadly, another reason
- 23:40Speaker 8: that health insurance and health insurers are on our minds
- 23:43Speaker 8: is because of this inexcusable tragic assassination of the United
- 23:48Speaker 8: Healthcare CEO Brian Brian Thompson within the last month and
- 23:55Speaker 8: health health insurers has really been brought to the attent
- 24:00Speaker 8: of Americans and all the systemic issues associated with US healthcare,
- 24:07Speaker 8: the US healthcare sector, especially for young Americans. And you know,
- 24:12Speaker 8: it would be an injustice for me not to mention
- 24:18Speaker 8: this tragedy, you know, before we dive into some additional detail.
- 24:23Speaker 1: Of course, and I thank you for doing that. I
- 24:25Speaker 1: do appreciate that. And you know, we've gone round to
- 24:27Speaker 1: round about this very topic on the air a couple
- 24:29Speaker 1: of different times. I feel people's frustration and I feel
- 24:33Speaker 1: like the internet, you know, really went out of their
- 24:36Speaker 1: way to say some horrible things, but I think it's
- 24:39Speaker 1: only you know, it's born out of the fact that
- 24:41Speaker 1: people have gone through their ringer when it comes to healthcare.
- 24:44Speaker 1: They just don't know what to do anymore. Doc.
- 24:47Speaker 8: Yeah, no question, no question about that, Lee. And you know,
- 24:51Speaker 8: I hope, I hope, uh, you know, with our short
- 24:54Speaker 8: segments this evening, maybe we can bring them a little
- 24:57Speaker 8: bit more light, you know, to this to this issue.
- 25:02Speaker 8: You know. Again, before before we dive into denials, I
- 25:06Speaker 8: want to talk about cost. Okay, So my own personal insurance,
- 25:11Speaker 8: my health insurance is provided by my employer, and the
- 25:16Speaker 8: cost for my health insurance going into next year has
- 25:20Speaker 8: increased by twelve percent. Average rate increases for most Americans
- 25:25Speaker 8: this year is at seven percent, and forty two states
- 25:30Speaker 8: in the United States have seen increases again from from
- 25:37Speaker 8: you know, minor increases of one to two percent to
- 25:39Speaker 8: the largest increase in the state of Vermont at twenty
- 25:43Speaker 8: seven percent. So we've seen four consecutive years of broad
- 25:48Speaker 8: increases across the board in the United States. It's obscene.
- 25:54Speaker 1: What is the cost what I mean, what's the driving
- 25:57Speaker 1: root cause of that? Then?
- 26:00Speaker 8: Yeah, I mean, no one factor I would say you
- 26:04Speaker 8: mentioned actually on your radio show within Connecticut. You know
- 26:09Speaker 8: within the last week from a Wall Street Journal article
- 26:13Speaker 8: that our life expectancy in the US has gone up
- 26:16Speaker 8: by about a year. So we're now have an increased
- 26:20Speaker 8: life expectancy of seventy eight point four years. So we're
- 26:23Speaker 8: getting older, right, We're living longer, and as we get older,
- 26:27Speaker 8: the burden to the healthcare system certainly increases, higher chance
- 26:31Speaker 8: of becoming thick as you get older, and you know,
- 26:35Speaker 8: the sicker you are, the older you are, the higher
- 26:38Speaker 8: the costs are. You know again globally hospital level, outpatient services,
- 26:43Speaker 8: et cetera. So we're getting older, we have a rise
- 26:49Speaker 8: in chronic conditions. Why do we have a rise in
- 26:53Speaker 8: chronic conditions. You have socioeconomic factors that contribute to that.
- 26:58Speaker 8: You have lifestyle choices again, all of these processed foods
- 27:03Speaker 8: that you know, perhaps we're going to be attacked by
- 27:09Speaker 8: r FK r f K, thank you. You know what
- 27:13Speaker 8: else leads to the escalating costs, higher prices, higher prices
- 27:17Speaker 8: where well, hospitals, hospitals are consolidating, hospitals are coming together.
- 27:23Speaker 8: Do you think that that reduces prices, No, it doesn't.
- 27:26Speaker 8: It increases the prices because there's less competition among the hospitals.
- 27:30Speaker 8: You have higher turnover of staff in hospitals. People working
- 27:35Speaker 8: in the hospitals expect higher salaries, so you have higher
- 27:39Speaker 8: prices really diffusely in the in the hospital and then
- 27:42Speaker 8: that outpatient outpatient care setting. And we have of course
- 27:46Speaker 8: advances in medical technology. We're hearing about AI being introduced
- 27:53Speaker 8: in medical setting. That again multiple levels, whether that's the
- 27:56Speaker 8: transcription and dictation systems that that hospitals use or doctors use,
- 28:02Speaker 8: you know, taking care of their patients in the outpatient setting.
- 28:05Speaker 8: AI does not does not just you know, happen just
- 28:09Speaker 8: because coding is available. You have to pay for that expertise.
- 28:13Speaker 8: And then of course let's not forget that health insurance
- 28:16Speaker 8: coverage has expanded with you know, ACA and with you know,
- 28:22Speaker 8: coverage of people in this country that you know don't
- 28:27Speaker 8: have access to health insurance.
- 28:30Speaker 1: Coverage, meaning that we're paying for people who don't have insurance. Correct, coat,
- 28:34Speaker 1: that's what you mean. Okay, I just wanted to make
- 28:36Speaker 1: sure well and.
- 28:37Speaker 8: And also just you know, undocumented immigrants that are here,
- 28:40Speaker 8: so you know, they anyone that walks into an emergency
- 28:44Speaker 8: room in any state in the United States will receive
- 28:48Speaker 8: treatment regardless of whether or not you have health insurance
- 28:51Speaker 8: or not. I mean, that's that's a law. So we
- 28:54Speaker 8: have to we have to take care of patients in
- 28:55Speaker 8: the emergency in the emergency setting. But emergency room care
- 28:59Speaker 8: compared to outpatient care, of course is you know, there's
- 29:03Speaker 8: outrageous costs associated with that.
- 29:05Speaker 1: And of course these people know this. And I say
- 29:06Speaker 1: these people, I mean uninsured. That doesn't mean just the illegals,
- 29:09Speaker 1: but everybody's uninsured. They feel like they're sick, they have
- 29:13Speaker 1: an issue, they go to the emergency room, and then
- 29:15Speaker 1: they get the care. It's that they figured the system out, right.
- 29:19Speaker 1: Well sure, yeah, Well I'm just saying that's right.
- 29:21Speaker 8: I mean, if you don't if you don't have a
- 29:22Speaker 8: doctor in the in the private care setting, and something
- 29:25Speaker 8: you know, happens and you need care, where are you're
- 29:27Speaker 8: going to go? You're going to go to your nearest
- 29:29Speaker 8: emergency room, right. So uh And of course you know,
- 29:33Speaker 8: of course the debt that comes out of that is
- 29:35Speaker 8: a whole nother story. But we won't we won't go
- 29:36Speaker 8: into that this evening.
- 29:37Speaker 1: Well, I want to ask you real quick. You had
- 29:39Speaker 1: mentioned just really quick turnover. You said turnover from doctors
- 29:42Speaker 1: and nurses and hospital staff. Do they do they leave
- 29:45Speaker 1: the profession completely or do they just go to greener pastures,
- 29:49Speaker 1: like a different hospital, different doctor, they just leave the
- 29:53Speaker 1: whole industry.
- 29:54Speaker 8: Yeah, I think it's probably more that doctors, uh, and
- 29:59Speaker 8: nurses are leaving due to burn out. They're leaving due
- 30:04Speaker 8: to excessive stress, even just from patient load or from
- 30:13Speaker 8: the electronic health record system, which you know, most hospitals
- 30:17Speaker 8: now are using something called EPIC, right, and it's not
- 30:21Speaker 8: an easy system to use. You're spending more time on
- 30:24Speaker 8: the computer documenting your interaction with the patient rather than
- 30:28Speaker 8: actually spending time interacting with the patient face to face, right,
- 30:32Speaker 8: you know.
- 30:33Speaker 1: All right, so it costs more. We've figured that out.
- 30:36Speaker 1: It costs me more, it costs you more, It costs
- 30:38Speaker 1: everybody more. Why is there are more people getting denied now? Still?
- 30:44Speaker 1: I want to get back to the denials before we
- 30:46Speaker 1: run out of time in this segment, because I want
- 30:47Speaker 1: to find out, you know, what's what's the driving force
- 30:49Speaker 1: behind me getting denied for something?
- 30:52Speaker 8: Yeah? So certainly so. The only data that we have
- 30:57Speaker 8: in terms of denial rates that published and not survey data,
- 31:02Speaker 8: is from those health insurance plans that are sold on
- 31:07Speaker 8: the marketplace, So the Affordable Care Act marketplace plans. About
- 31:12Speaker 8: twenty states in the US have their own marketplace plans.
- 31:15Speaker 8: If your state doesn't have an ACA plan, then you
- 31:19Speaker 8: buy it through healthcare dot gov, which is run through
- 31:22Speaker 8: our federal government. So when we look at an average
- 31:26Speaker 8: number of in network health insurance claims that are denied
- 31:31Speaker 8: from twenty twenty three data, it's nineteen percent. If you
- 31:37Speaker 8: look at the denial rate specific to insurers, the low
- 31:42Speaker 8: man is Kaiser Permanente, which has really the stronghold in California,
- 31:47Speaker 8: an HMO model where physicians are employed by Kaiser Permanente.
- 31:52Speaker 8: Six percent denial rate. You're high. If you might guesslee
- 31:58Speaker 8: would be United Healthcare with thirty three percent of claims
- 32:02Speaker 8: in network being denied out thedoor, wow, thirty three percent
- 32:08Speaker 8: somewhere no go ahead, please.
- 32:10Speaker 1: No, nour said thirty three percent, and then people then have
- 32:12Speaker 1: to begin the fight at that point in time. Doesn't
- 32:14Speaker 1: necessarily mean thirty three percent don't get it, but thirty
- 32:17Speaker 1: three percent initially don't get it. Correct, correct, Okay.
- 32:21Speaker 8: I'm sorry, And you know the reason for those denials.
- 32:26Speaker 8: You know we don't have. We don't have a great
- 32:28Speaker 8: breakdown in terms of the percentages and causes of those denials.
- 32:33Speaker 8: But it could be that there's a coding error, it
- 32:36Speaker 8: could be that it's just not on your policy, and
- 32:41Speaker 8: the reason really varied.
- 32:42Speaker 2: Doc.
- 32:42Speaker 1: Can you hang on for the next segment?
- 32:45Speaker 8: Absolutely?
- 32:45Speaker 1: Yeah. The music is playing, which means I got to
- 32:47Speaker 1: get to a break, so we'll come back, Doctor Mary Powell,
- 32:50Speaker 1: Saint Louis. We're covering denial rates claims from healthcare care
- 32:54Speaker 1: insurance companies, and we'll come back. We'll talk a little
- 32:57Speaker 1: bit more about that. We'll finish up with that and
- 32:59Speaker 1: talk about this access rates on appealing a denied claim.
- 33:03Speaker 1: So it's interesting stuff again with doctor Mary Powell, Saint Louis.
- 33:07Speaker 1: My name is Lee Elsie. You want to email me,
- 33:09Speaker 1: you can Lee Elsradio at gmail dot com. Whatever station
- 33:12Speaker 1: you're listening to from one coast to another, I'd be
- 33:15Speaker 1: happy to go back and forth. If you have a
- 33:17Speaker 1: question for the doc, I'll try to sneak it in
- 33:18Speaker 1: before we run out of time. We'll come right back.
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- 36:38Speaker 1: Yes, we're are the left in line. Ladies and gentlemen.
- 36:40Speaker 1: This is the last break tonight and my very special guest,
- 36:44Speaker 1: doctor Mary Powell Saint Louis again a board certified and
- 36:47Speaker 1: licensed physician in the state of Connecticut for over twenty
- 36:50Speaker 1: five years, and she's answering some questions that we have
- 36:53Speaker 1: about health insurance, the costs, the claims, the denials. So
- 36:58Speaker 1: you really kind of got into the denial, the rate, etc.
- 37:02Speaker 1: Is there anything we left on the table as far
- 37:04Speaker 1: as that goes, Doc, did you want to circle back
- 37:06Speaker 1: to that or did you want to go to how
- 37:07Speaker 1: you can successfully appeal these claims, these deny claims.
- 37:12Speaker 8: No, I think we can move on Lee to appealing
- 37:15Speaker 8: denied claim.
- 37:16Speaker 1: All right, So let's say I needed a procedure done,
- 37:20Speaker 1: I got denied. What do I do?
- 37:23Speaker 8: So when you have a procedure or some other maybe
- 37:29Speaker 8: medical technology denied might be an MRI for a certain conditions,
- 37:33Speaker 8: You're usually going to get a four to six page
- 37:36Speaker 8: letter from your insurers sent via the post office to
- 37:40Speaker 8: your home and good luck understanding that letter, Lee. It's
- 37:47Speaker 8: probably written. The letters probably written by a computer or AI.
- 37:52Speaker 8: And the reason most people don't want to appeal is
- 37:58Speaker 8: it's a complicated process. They don't understand the initial letter
- 38:02Speaker 8: that come it takes a heck of a lot of
- 38:04Speaker 8: time and just overall it's a huge hassle. The other
- 38:09Speaker 8: reasons that people don't want to appeal is they actually
- 38:12Speaker 8: don't actually know that they can. So when you think
- 38:16Speaker 8: about how many claims are denied, right, so, we heard
- 38:20Speaker 8: that the largest insurer in the United States, United Healthcare,
- 38:24Speaker 8: has a thirty three percent denial rate. Overall, for all
- 38:29Speaker 8: insurers in the United States, less than one percent of
- 38:34Speaker 8: denied claims are appealed. Can you imagine less than one percent?
- 38:41Speaker 8: But if you decide to appeal, if you decide to
- 38:44Speaker 8: take on that challenge, you have about a fifty percent
- 38:47Speaker 8: chance of winning the appeals process. But again, is it
- 38:51Speaker 8: worth your time? Is it worth your hassle? You need
- 38:54Speaker 8: to write letters? The insurer may claim that they never
- 38:59Speaker 8: received or appeal letter. I myself have gone through an
- 39:04Speaker 8: appeal process with an insurer number of years ago. I
- 39:10Speaker 8: always made a decision to send my letter return receipt
- 39:13Speaker 8: requested at my cost. Right. Uh, But again, how many
- 39:19Speaker 8: people are gonna are going to go to to you know,
- 39:24Speaker 8: the extremes that it takes to to to process this
- 39:29Speaker 8: paperwork with the insurer when you only have a one
- 39:32Speaker 8: and two chance of of having the not the denied
- 39:35Speaker 8: claim appealed.
- 39:36Speaker 1: If you win the appeal, does that information go to
- 39:39Speaker 1: your doctor or is that something you have to go
- 39:42Speaker 1: and tell your doctor. Hey, I got a letter they said,
- 39:45Speaker 1: I'm good to go. Now.
- 39:48Speaker 8: Well, in the case of let's say a specific treatment,
- 39:52Speaker 8: so let's say a medical test. Uh, let's say you
- 39:56Speaker 8: had a medical test done already, and then they say
- 40:00Speaker 8: to you, well, we're not going to pay for this,
- 40:04Speaker 8: and then you appeal it and you receive a letter
- 40:09Speaker 8: back from the insurer that says, Okay, we accept your appeal.
- 40:13Speaker 8: The insurance company will basically then just process the payment
- 40:17Speaker 8: to the respective whether it's an outpatient's facility or the
- 40:20Speaker 8: hospital or a medical provider for that matter.
- 40:25Speaker 1: Okay, so yeah, but yes, oh go ahead you please? Please?
- 40:30Speaker 8: No, no, no, please go ahead. No.
- 40:31Speaker 1: I just said, so the doctor is not notified prior
- 40:33Speaker 1: to the patient. I guess the reason why I say
- 40:35Speaker 1: that is maybe the patient then it gets it and
- 40:38Speaker 1: then it is apathetic. Do I really need this treatment?
- 40:41Speaker 1: Blah blah blah. You know what I'm saying. You would
- 40:43Speaker 1: hope it would go to the doctor first, so that
- 40:45Speaker 1: the doctor would say, hey, listen, we just got to
- 40:47Speaker 1: prove from something we want to approve. Let's move forward. Blah.
- 40:49Speaker 1: You know, I don't know, maybe I'm missing something with that.
- 40:51Speaker 8: Yeah, I think. You know, in most cases, if a
- 40:54Speaker 8: physician is looking for a procedure to be done for
- 41:00Speaker 8: a patient, and I'm going to stick with, say an MRI,
- 41:03Speaker 8: which you know is very commonly done for different muscular
- 41:07Speaker 8: skeletal injuries or patients that may have sciatica type symptoms,
- 41:13Speaker 8: you know, shooting pain down their leg and they've had
- 41:16Speaker 8: it for months and they haven't responded to conservative care
- 41:19Speaker 8: such as physical therapy, and now the physician feels that
- 41:24Speaker 8: they need to have additional testing and maybe referral to
- 41:28Speaker 8: a specialist for further treatment. That provider is typically going
- 41:34Speaker 8: to get a pre authorization done before that patient is
- 41:38Speaker 8: going to go for that particular you know imaging imaging tests, right.
- 41:46Speaker 8: But but you know that the patient never knows really
- 41:49Speaker 8: what's covered by their policy, right, There are other nuanced
- 41:54Speaker 8: you know technologies right for you know, for any one
- 42:00Speaker 8: where your doctor says you need this, this is really
- 42:04Speaker 8: important to your care, and you say, okay, I'm going
- 42:08Speaker 8: to get it done, and you just get it done,
- 42:10Speaker 8: and then you find out, well, your policy said this
- 42:13Speaker 8: is this is not part of coverage, so you're out
- 42:15Speaker 8: of luck.
- 42:16Speaker 3: Doc.
- 42:17Speaker 1: In twenty seconds, can you give us just one piece
- 42:20Speaker 1: of you know, leave us with one piece of advice
- 42:22Speaker 1: from you to everybody out there listening when you're dealing
- 42:25Speaker 1: with insurance companies.
- 42:27Speaker 8: Oh, I think you know. Maybe I'll give two pieces
- 42:30Speaker 8: of advice. The first thing would be ask questions from
- 42:37Speaker 8: your human resource person and review the details of your
- 42:41Speaker 8: policy in full. Not the four page summary, but the
- 42:44Speaker 8: one hundred page document. You need to know every piece
- 42:47Speaker 8: of information that's in there, otherwise you're not in the note.
- 42:50Speaker 8: And I would say the second thing is is that
- 42:54Speaker 8: you really need to be an advocate for yourself for
- 42:58Speaker 8: others and get involved with adverts groups to help others.
- 43:02Speaker 1: We gotta go home. Sorry, we're on a side.
- 43:04Speaker 2: Great job.
- 43:04Speaker 1: I appreciate you very much. We'll get you back on again.
- 43:07Speaker 1: Enjoy the rest of the night. See you guys.
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