Phone: 615-384-2728

​  Sabi@SabiKumar.com

                     Tennessee House of Representatives - District 66 -  ROBERTSON COUNTY

 


Legislative Health Care Initiatives

Proposed & Sponsored by

Rep Sabi 'Doc' Kumar

2015-16​

   1. Direct Primary Care

   2. Volunteer Health Care

​   3. 3-Star Healthy Project Task Force

   4. Continuity of Care

   5. Balance Billing Solutions

   6. Epi Allergy Shot Availability in Public Places

​   7. Sobriety Monitors





                                                      Sabi 'Doc' Kumar






   In my 36 years of sharing patients with Dr. Kumar,

                he has always cared for them

            professionally and with compassion.

              His leadership skills are excellent.

                    I support Sabi Kumar

          to be our State Representative"

                                  

                                             Tommy Crunk MD

                                             Springfield






































   HEALTH​ CARE


"What does a Patient Want? 

​Make Me Better, Don't Hurt Me and Don't Cost Me Too Much"

                                                          Scott Raynes, former CEO

                                                                         NorthCrest Medical Center


"American health care is of the highest quality in the world.

We need to make it available to Americans at a reasonable cost.

This was the promise of the Affordable Care Act (Obamacare) but

the results are quite different.

    As your State Representative, I work toward changes that help people."

                                                              Rep Sabi 'Doc' Kumar MD                                               

With over 40 years in Health Care, Dr. Kumar understands the needs of the patient, the doctor, the hospital and the insurance industry.

This is a crucial issue of our time.

Dr. Kumar's knowledge and input are of great value in the

Tennessee House of Representatives. 


The Problems of Affordable Care Act (Obamacare)


I also published an Opinion Editorial in the Tennessean May 29, 2016

about the ten problems of Obamacare


It is the largest federal law affecting Health Care since the passage of Medicare in 1965, almost a half century ago. The law is 2,700 pages long.This means that no one person completely understands the law including the leaders who voted for it.

The promise was that it will provide health insurance to about 30-40 million Americans

who are not covered and,

as promised by the President, allow

"those who have health insurance and are happy with their plan, they can keep it. Period."

Both promises failed.

​The law mandated certain requirements that resulted in many existing policies being cancelled.

And the President who talked about "income inequality", split the people so that those living below the federal poverty level (with yearly income below $11,490 for a single person) will not be covered by this law. The poorest members of our society were left to seek coverage from their state Medicaid programs.

If they did not meet qualifications for their State Medicaid plan (which is called TennCare in Tennessee), the Law did not do what it promised.

Out of the 30-40 million people without health insurance in the country, about 9 million signed up for insurance under Obamacare. Some of these may be the people who lost their insurance. Still others may not be covered depending upon their ability to pay the premiums despite federal subsidies.

Those who do receive insurance coverage under this law, but are in the lower income groups, are faced with deductibles of $5,000 or more. The subsidy towards the deductibles is not available for the least expensive (Bronze) plans.

For common illnesses that cost less than $5,000, these folks do not really have insurance.

Poorer citizens who do not fully understand the law are being deceived.


                                                                                                       Rep Sabi 'Doc' Kumar MD

The Economic Consequences of The Affordable Care Act (Obamacare)

Modified From "Fresh Medicine" by

Phil Bredesen

(Former Tennessee Governor, DEMOCRAT) 


For an enterpreneur wanting a lean employee-oriented company, it's a natural position to take: 

"We don't provide company housing, we don't provide company cars, we don't provide company insurance".

Our approach is to put your compensation in your paycheck and let you decide how to spend it."


Let's do a thought experiment.

We'll use my own state of Tennessee and our state employees for data.

The year is 2014 and the Affordable Care Act is now in full operation.

We are a large employer with 40.000 direct employees who participate in our Health Plan.

In our thought experiment, let us consider that Tennessee stops providing Health Insurance and

State employees use the Obamacare exchange to purchase their own health insurance.


First of all, we need to make our employees financially whole.

  • With our current plan, they contribute 20% of the total cost of their health insurance and that   contribution is $86 million.
  •   If they now buy their insurance through an exchange, their cost will increase by $38 million.
  •   We will increase our employee's salary to cover this cost.

Taking into account the taxes on that increase, the change in eligibility for subsidies, and allowing for inefficiency in how we distribute this increase, we'll pay them three times the amount of increase in their cost of buying insurance through the federal exchange: $114 million.


  • Now that we've protected our employees, we'll also have to pay a federal penalty of $2,000 for each employee because we no longer offer health insurance; that's another $86 million.


So the total cost toTennessee will be about $200 million.

But if we keep our existng insurance plan, our cost is $346 million.


So we can reduce our annual costs by over $146 million using the mechanics of health reform

to transfer our costs to the federal government.

​This will obviously encourage employers to stop offering health benefits.