The 50% Split of Profits At Kaiser Permanente
http://businesspractices.kaiserpapers.info/50.html

The origin of the Term Health Maintenance Organization  according to Kaiser
http://businesspractices.kaiserpapers.info/origin.html


KaiserGate - From the very beginning it was all based on fraud

KAISERGATE is how the HMO's actually got off the ground.  This transcript from President Nixon's
tapes states that they  never were for your own good. From the very beginning it was nothing more
than a way for a bunch of companies that had a way to get richer while not holding up their end of
the contract with the people.  We believe that the American public has been mislead. Please follow
the above link to learn more about what took place between President Nixon, John Erlichman and
how Edgar Kaiser played a role in the creation of the HMO.  The entire thing is rather unpleasant.

Kaiser and Erlichman said about the Permanente Physicians - "the less care they give them, the
more money they make"

http://businesspractices.kaiserpapers.info/nixononkaiser.html

Please also review two documents located at: http://selfincrimination.kaiserpapers.info/
Both indicate that the Permanente Physician, both vested and the Pool docs are contracturally
obligated to act against the well being of the public.  Under no circumstances may a physician of the
Permanente involved in any government program, whether serving a voluntary position or in a position
of regulatory influence find wrong doing with Kaiser.  

To assist the average citizen in understanding why small fines are given to Kaiser -  further
 insulting the people that have been victimized by Kaiser proven criminal actions please read:
Twenty Things You Should Know About Corporate Crime
21 Corporate Crime Reporter 25, June 12, 2007
from Corporate Crime Reporter in Washington D.C.
http://corporatecrimereporter.com/twenty061207.htm

Kaiser has come out best for heart attacks by talking people out of intensive care before
they go upstairs from the emergency room.  Their later deaths are then judged by the state to
be equivalent to "dead at the scene" [See Mount Diablo Hospital letter.}  The following letter from
Mt. Diablo Hospital clearly explains that the formula used to determine how well the hospitals are
doing was flawed.  Consequently Kaiser's serlf promotion of how great they are doing is not as
accurate as you would it expect it to be.  Mt. Diablo Letter of March 25, 2001
http://businesspractices.kaiserpapers.info/mtdiablo.html

Southern California Permanente Medical Group Retirement Program (SCMG) with Declaration
of Rose Dodge, Retirement Plans Coordinator.

This page may be slow loading page as it consists of over 80 scanned documents in gif form  and
a Declaration from Rose Dodge  of the Permanente Retirement Committee for Southern California
Permanente Medical Group Retirement Plan.
http://businesspractices.kaiserpapers.info/scpmgretire.html

2005 Form 990 IRS Tax filing for
PERMANANTE MEDICAL GROUP LIFE INS & MEDICAL BEN PLAN & TR FOR RET PHYS
http://businesspractices.kaiserpapers.info/pdfs/permanente990.pdf

Limited synopsis of the for profit tax free retirement program below from Kaiser's own
promotional literature to solitict physicians for employement:
Retirement Plans  Permanente Physicians Retirement Plan The Permanente Physicians
Retirement Plan (PPRP) is a defined benefit plan. The base retirement benefit provides a
monthly income for life beginning at age 65, based on years of credited service and the
annual average of the highest three years of compensation in the last 10 years. 
The formula is 2.25% x years of credited service up to 20 years x 8/9 of the average annual
compensation, plus 1.125% x years of credited service over 20 years x 8/9 of the average
annual compensation. The IRS limits dollar amounts that can be paid annually from a defined
benefit plan. Benefits in excess of legal limits for qualified retirement plans are currently paid
under the non-qualified Supplemental Employee Retirement Plan.
One hundred percent vesting occurs upon completion of five years of service. An annual
contribution is made by HPMG to the Permanente Physicians Retirement Plan. 

 Supplemental Employee Retirement Plan 

 If a physician's salary exceeds the IRS limits recognized by a defined benefit plan, the benefit
under the PPRP may be limited. The benefit under the Supplemental Employee Retirement Plan
(SERP) is calculated as the difference between the benefit under the PPRP with IRS limits and
the PPRP benefit without such limitations. 

Savings Plans 

 Profit Sharing and Money Purchase Pension Plans
  These plans provide a means for participants to accumulate retirement benefits through tax-
deferred contributions. The funds are professionally managed in a variety of stocks, bonds,
T-bills, and money market funds, determined by the physician's election. The physician may
elect to make a salary-deferral contribution to the Profit Sharing Plan upon date of hire. Upon
completion of two years of service, the physician is eligible for employer contributions to the
Profit Sharing and Money Purchase Pension Plans. The physician may borrow up to 50% of
his or her account funds to a maximum of $50,000.
Synopsis per Kaiser self promoting literature -
http://physiciancareers.kp.org/hi/benefits/retirement.htm

A Kaiser Permanente Medical Service Agreement
http://businesspractices.kaiserpapers.info/kpmedicalserviceagreement.html

Kaiser Permanente MEDICAL SERVICE AGREEMENT Received from The District Court of
Johnson County, Kansas
Civil court Department
Case No. '02CV01311
Court No. 8
K.S.A. Chapter 60
IN RE: Receivership of Permanente Medical Group of Mid-America, P.A.,
Dr. Herbert J. Waxman, Petitioner
Article K for the Permanente Physician:

• Article K is a document that both Kaiser and Permanente go out of their way to hide from 
• the public.  They intentionally try to omit this document from all legal proceedings.  It was 
• obtained as part of the Medical Service Agreement legal papers from Johnson County, 
• Kansas Civil court Department.

The document that best proves the ongoing 50:50 profit split is the KP contract that spilled into
the Kansas City court papers in Johnson County as Kansas City Kaiser failed.  This year's profit
split may net the Permaente docs close to $1 billion!!!  This is above salaries of $22,000 a month
average per partner, forgiven home loans, and 25% benefit package.This money accumulates
under the plan - immune from all outsiders even bankruptcy trustees - until the Kaiser doc proves
himself or herself by vesting to 20 years, keeping silent forever, and never turning against the
Permanente Culture.  Once you are in, don't try to get out - til death do us part.

http://businesspractices.kaiserpapers.info/articlek.html

An Explanation and replication for historical purposes of the Permanente Map which is a graphic
depiction of the flow of money from the patient, government payor to the Kaiser Health Plan and
finally to the various Permanente schemes.


PAYMENTS TO PHYSICIANS IN THE PERMANENTE MEDICAL GROUP
http://businesspractices.kaiserpapers.info/kaiserpayoff.html
A report created by Kaiser Permanente Executives to present information on how they historically
have received their funding.  We believe that this document while revealing is not completely accurate.


KaiserGate - From the very beginning it was all based on fraud
http://businesspractices.kaiserpapers.info/nixononkaiser.html

KAISERGATE is how the HMO's actually got off the ground.  This transcript from President Nixon's
tapes states that they  never were for your own good. From the very beginning it was nothing more
than a way for a bunch of companies that had a way to get richer while not holding up their end of
the contract with the people.  We believe that the American public has been mislead. Please follow
the above link to learn more about what took place between President Nixon, John Erlichman and
how Edgar Kaiser played a role in the creation of the HMO.  The entire thing is rather unpleasant.

Kaiser and Erlichman said about the Permanente Physicians - "the less care they give them, the
more money they make"

Kaiser Permanente is the most profitable non profit known to exist!
How a non profit can sell stock is news to me. See link below to view Kaiser stock information. 
http://www.harp.org/manip/stucco.htm

Kaiser Permanente's Duty to Die Ethic
http://businesspractices.kaiserpapers.info/dutytodie.html

When a patient is denied a pap smear test because of cancerous symptoms within a year of already
having this routine test, when a patient with a high fever and chills is denied treatment, or admission
into the ER and later dies from West Nile or Meningitis they are being presented with the Kaiser
Duty to Die business practice.
When a senior citizen is denied medical care they are being told they are worthless eaters, that 
they are not worth spending the money on even though that senior and Medicare are paying to 
have medical treatment.
When you are strongly encouraged or brow beaten into signing an advance directive, or more 
commonly referred to as a living will, which you have not participated in writing by your insurance
company or hospital or doctor, be aware that some of these are not looking out for your best
interests.  Be aware that sometimes they will determine that even though you have a long term
chronic medical condition and could live for many more days, weeks, months or years that if a
crisis occurs, either naturally or with a little unethical medical assistance you may not be revived
for pure financial reasons.  The Kaiser HMO profits more by having you die rather than having
you live in these type of cases unless they have a Federally Funded, or Pharmaceutically Funded
 testing program in place for which they are paid large sums of money to experiment on you with.

How can Kaiser Permanente represent itself to be non-profit when, in fact, it made $1.8 billion
in profit in 2004 and will pass $2 billion in profit in 2005?
http://drphillips.kaiserpapers.info/billion.html

Only the PLAN is non-profit since it passes this huge profit on 50% to the physicians for
golden retirements and 50% on to the hospitals.  The latter goes for bonuses moving on up to
the Hospital Board (same people as the Plan Board) end up with discretionary money.  
Read More

The Tahoe Accord

The 50-50 split of profits was worked out over 50 years ago and is still emphasized in the
Permanente Journal as being intact  and operative.  Monies not spent in various pools goes
back to the shareholders (The Doctors)  and forms a yearly bonus of  sizable proportion. 
This is the biggest motivator for each physician and pharmacist to accept the role of being
a business entity.
Normally physicians get paid 20% of the medical dollar;  the other 80% as patient services. 
In Kaiser the physician can get  1 1/2 x as much money if that Permanante physician only
orders about half as much medical services per patient as the rest of the world.


Quick Important Facts about Kaiser
http://businesspractices.kaiserpapers.info/quick.html

A short list of useful information.  Some quick clips that you can quote.  All of the information if
relevant to a corporation that is cutting costs because they promise one thing but know that they
cannot keep their commitment.
A web page with a catch all of Kaiser and Permanente facts that have not yet been categorized.


Northeast Permanente Newletter bragging about the shareholder status of physicians after one
year, etc.
http://businesspractices.kaiserpapers.info/northeastnewsletter.html


Non-Profit Status is not Enough–Kaiser’s Questionable Privilege
http://kaiserpapershawaii.org/kaiserwatch.htm



Kaiser Permanente
Con Perspective by Stacy Ellyson  and  Jacquelyn Nesbitt
Prepared for  Dr. Han Vo ECON 693 Winthrop University

Abstract      Kaiser Permanente is one of the largest integrated delivery systems in America as well as
the nation's largest HMO.  The quick growth the organization experienced was potentially
harmful to its customers.  The question we examined, is being the largest always the best.  We
look at Kaiser Permanente from a con perspective and point out how this organization is not
beneficial to the consumer of healthcare.  It also inhibits the physician-patient relationship.
Kaiser has had cost problems that have affected its profits but in turn the patient care and
satisfaction have been affected.  The organization places too much emphasis on reducing costs
than it has on patient satisfaction.  The conclusion drawn is for improvement Kaiser needs to
develop better treatment guidelines with it doctors and patients and allow more freedom of
choice among the patients and providers.

Should not-for-profit tax status be only for strictly charitable groups?
http://businesspractices.kaiserpapers.info/kaiserquestion.html


Kaiser Financial and Real Estate Public Information
http://businesspractices.kaiserpapers.info/money.html


Kaiser overbills Medicare
http://oig.hhs.gov/oas/reports/region5/50100094.pdf


Should the Kaiser Patient Really only Trust a machine to perform a breast exam or should the
patient insist on a physician examination and a mammogram if the doctor orders it?
http://businesspractices.kaiserpapers.info/mammogramcutback.html



The Rise and Fall of  a Kaiser Permanente Expansion Region
http://businesspractices.kaiserpapers.info/scarlinakp.html



Should not-for-profit tax status be only for strictly charitable groups?What the members of these commissions do (at least some of them) is funnel money and gifts to elected
officials from the people who want city business.
http://businesspractices.kaiserpapers.info/kaiserquestion.html



SIX COMPANIES - A PROVABLE PATTERN SHOWING DECADES OF ABHORRANT TREATMENT OF
PATIENTS AND EMPLOYEES
http://businesspractices.kaiserpapers.info/6companies.html

Section 805 of California Business and Professions Code
http://businesspractices.kaiserpapers.info/section805.html
Why Section 805: willful

(c) The chief of staff of a medical or professional staff or other
chief executive officer, medical director, or administrator of any
peer review body and the chief executive officer or administrator of
any licensed health care facility or clinic shall file an 805 report
with the relevant agency within 15 days after any of the following
occur after notice of either an impending investigation or the denial
or rejection of the application for a medical disciplinary cause or
reason:

http://govinfo.library.unt.edu/whccamp/meetings/transcript _9_8_00_s3_4_5.html
 "Targeting the insurance companies of the nation is important to identify the idea that
upstream intervention is going to save the insurance dollar. There is cost savings and
the business department  of Kaiser has data to support that.

"As long as the outcomes are behaviorally based, we can measure the outcomes in terms
of reduced medical visits and reduced medical visits translates to dollars, savings. "
mirrored at:
http://behavioral.kaiserpapers.info/cam1.html

In only six minutes according to Kaiser Permanente they
can diagnosis your psychiatric condition.  Amazing!
http://behavioral.kaiserpapers.info/povs.html

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