Free the Doctor. Heal the System.
Your doctor spends twice as much time on insurance forms as looking at you. This bill ends that—permanently—without costing you a penny.
Your Doctor Is Drowning in Paperwork
For every hour your doctor spends with you, they spend nearly two hours filling out insurance forms. Nurses lose 25–40% of their shift to documentation. Physical therapists spend more time justifying treatments than delivering them. The system is crushing the people who are supposed to be healing you.
Doctors spend almost twice as many hours on admin and EHR as on direct patient care. That's backwards.
Administrative complexity eats $265.6 billion annually—15% of all healthcare spending. That money should fund care, not clipboards.
Medicare payments to doctors have dropped by a third after inflation. Your doctor is doing more paperwork for less money.
Physicians, nurses, therapists—all reporting record burnout, emotional exhaustion, and leaving medicine entirely. Who heals the healer?
The Zero Insurance Paperwork Mandate
This is the heart of the bill: no doctor, nurse, therapist, or any healthcare provider will ever fill out another insurance form. Not a claim. Not a prior auth. Not an appeal. Not a credentialing packet. Nothing. All of it is handled by trained professionals from the Healthcare Claims Processing Corps—at zero cost to the provider.
❌ Gone Forever
Claims form preparation, coding, and submission
Prior authorization requests and appeals
Utilization review documentation
Step therapy and formulary exceptions
Insurance credentialing paperwork
All insurance company correspondence
✅ What Doctors Still Do
Write clinical notes for patient care continuity
Record diagnosis and procedure codes at point of service
Sign off on medical necessity with their clinical judgment
Everything else? Spend it on the patient.
The Healthcare Claims Processing Corps
If doctors don't do the paperwork, who does? A new corps of certified, trained, independent contractors embedded in every hospital, clinic, and private practice in America. They work for the government—not the insurance company. Their job is to fight for every dollar the doctor earned.
Deployed Everywhere
One contractor per 50 hospital beds. One per 5 clinic providers. One per 3 doctors in private practice. Rural areas get 1.5x the standard. Therapy centers: one per 8 therapists.
Certified Professionals
Every contractor holds CPC or CCS coding certification, HIPAA training, and passes a federal background check. These aren't temps. They're specialists.
Independent & Neutral
No financial ties to insurance companies. No bonuses for denials. No pressure to alter clinical decisions. They work for the provider, not the payer.
Advocacy Duty
Their legal mandate: maximize legitimate reimbursement, appeal every improper denial, ensure timely and accurate payment. They fight for you.
Pay Doctors What They're Worth
Medicare has cut real physician pay by a third since 2001. Independent practices are disappearing as private equity firms swallow them whole. This bill reverses both trends with real money and real protections.
25% Medicare Raise for Primary Care
Every family doctor, internist, pediatrician, and geriatrician gets a 25% increase on evaluation and management services. Adjusted for inflation every year. Retroactive to the erosion that's been ignored for two decades.
+25% E/M codesIndependent Practice Bonus
Doctor-owned practices get an extra 5% on top of Medicare E/M rates. Because physician-owned clinics deliver better care, more choice, and more autonomy—and they deserve to survive.
+5% indie bonusContinuity of Care Bonus
Doctors who keep long-term relationships with patients—annual wellness visits for 70%+ of their panel, 3+ year relationships, proactive chronic care—earn a 10% bonus. Loyalty rewarded.
+10% continuityTherapy Services Raise
Physical therapists, occupational therapists, and speech-language pathologists get a 15% Medicare increase. They're drowning in the same paperwork ocean and deserve the same rescue.
+15% PT/OT/SLP🏥 Independent Practice Preservation Fund
Low-interest loans, $100K grants for rural practices, tech assistance, and emergency stabilization loans for practices under corporate acquisition pressure.
🚫 Anti-Competitive Protections
Bans hospital system exclusive referral mandates, eliminates non-compete clauses within 25 miles, and prohibits predatory pricing designed to kill indie competition.
No More Permission Slips to Treat Your Patient
Prior authorization is the insurance industry's favorite weapon: make the doctor beg for permission before treating you. This bill guts it. If your doctor already treated you for the same thing last year? No auth needed. Generic drugs on formulary? No auth. Preventive care? No auth. And if the insurance company doesn't respond in time, it's automatically approved.
🚫 No Prior Auth Required For:
Any service already approved for the same patient in the past 12 months. Any generic drug on formulary. Standard lab tests. All USPSTF Grade A/B preventive services. Chronic condition medications stable 6+ months. Any service category with a 90%+ historical approval rate.
⏱️ When Auth Is Still Needed:
The Claims Processing Corps handles it—not the doctor. Urgent: 24-hour response or auto-approved. Non-urgent: 72 hours or auto-approved. All approvals last 12 months minimum. And the "Gold Card": any doctor with a 90%+ approval rate is permanently exempt for that service category.
Rural Doctors Get the Heroes' Deal
If you're willing to practice where nobody else will—in the places that desperately need you—this bill rolls out the red carpet. Faster loan forgiveness, telehealth credentials, bonus pay, and 50% more paperwork support than urban areas.
5-Year Full Loan Forgiveness
Primary care doctors, nurses, PTs, OTs, and SLPs who serve in Rural Shortage Areas get 100% student loan forgiveness after just 5 years. All other underserved areas: 7 years. Everyone else in primary care: 50% at 10 years.
Tele-Specialist Credentials
New federal certification for telehealth specialists serving rural patients. 15% Medicare bonus, accelerated loan forgiveness, expedited multi-state licensing. 100+ hours of rural telehealth per year qualifies you.
Full-Ride Scholarships
The Primary Care Provider Scholarship: full tuition for med students, nursing students, PT/OT/SLP students who commit to 5 years of rural practice after training. We pay for your school. You heal the town.
Healthcare Is a Calling, Not a Corporate Job
Every major faith tradition and every secular ethical system agrees: healing the sick is among the highest forms of human service. This bill recognizes that. And it measures success not just by cost savings, but by whether providers are actually flourishing—with purpose, autonomy, and the time to practice the vocation they were called to.
Provider Flourishing Metrics
This bill measures success by whether doctors are actually healthy, free, and fulfilled.
Mental Health
Burnout rates, exhaustion, personal accomplishment
Autonomy
Clinical freedom, practice ownership, independence
Meaningful Work
Vocational satisfaction, sense of purpose
Time Affluence
Hours on patients vs. hours on paperwork
Financial Stability
Practice viability, fair pay, debt burden
Indie Practice Rates
Are doctor-owned practices surviving?
The Industry That Built the Problem Pays to Fix It
Insurance companies created the paperwork nightmare. Drug companies profit from the administrative maze. Device makers benefit from the billing complexity. This bill makes them fund the cleanup. Your tax dollars never enter the equation.
Administrative Responsibility Assessments
Patient Protections
What This Bill Promises
Free the Doctor. Heal the System.
Doctors became doctors to heal people. Nurses became nurses to care for people. This bill gives them back the one thing the system stole: time with you.