Purchasing Stop-loss Insurance for your Self-funded Plan Requires An Expert

Consider the following questions:

Do you have an employee benefit plan that you self-fund?

Are you responsible for purchasing stop-loss coverage to protect your employer interests?

Is your broker experienced with hundreds of cases that provide you comfort they know what they’re doing?

Are you a broker who is trusted by a client but need an expert to help you keep that trust?

Is the person purchasing stop-loss for your business relying upon an inexperienced agent, broker, or consultant to make the right recommendation? Continue reading “Purchasing Stop-loss Insurance for your Self-funded Plan Requires An Expert”

Healthcare: Ask Better Questions

EMAIL to President@whitehouse.gov

President Trump,

You are being led down the same path as Obama for healthcare solutions by the same consultants and lobbyists. Stop looking at their answers that have kept us stuck for 40+ years. The financial angle is not the solution for healthcare. Your industry consultants (like AEI) do not want the questions I’m asking to be asked, guess why?

I believe you want something different to make America Great and that’s why you were elected. The American public is stuck with a very broken system that is too self-serving; my kind of change is what you’ve targeted in your talks. I hope you will see the problem.

You need to ask different questions, I’ve written the questions that lead to better answers; find more than 50 blog posts that ask better questions here “Healthcare White Paper.” As a small business owner of 18 years, I’ve worked at insurance companies, with hospitals, doctors, individuals, the indigent, failing government organizations, large business and small.

Why not try something no one else is talking about; if you don’t go in a different direction the only fix will be a Government one. My posts point to a different solution.

May God Bless your work,

Don

*Don Watza, CEBS*
248-881-3310 | DjWatza@gmail.com
Health Economics: www.DonWatza.com
Share My CV: https://www.visualcv.com/donwatza

It’s morbid to compare: GM 124; Hospitals 400,000

Outraged over auto deaths?

Mary Barra in front of congress.
Mary Barra in front of congress.

All human life matters and to my way of thinking it’s good the autos and government have a way to track responsibility. I live in Detroit so that makes me a car guy. I feel attached to the auto industry. It’s good the cars we drive are safe.

Outrage over car deaths, of course, makes sense. And, the autos have taken responsibility because the government has a good method to enforce the autos to be accountable to the public.

General Motors will pay $900 million to settle criminal charges related to its flawed ignition switch that has been tied to at least 124 deaths.

CNNMoney (New York) September 17, 2015: 2:46 PM ET;  “GM CEO: ‘People died in our cars’ ” Poppy Harlow

http://money.cnn.com/2015/09/17/news/companies/gm-recall-ignition-switch/

Let’s compare; outrage over 124 auto related deaths compared to more than 400,000 preventable deaths at hospitals? Where’s the outrage? Where’s accountability?

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Healthcare IT news aritcle,

 

In this article, congress talks about possible solutions but isn’t demanding accountability from our medical system.

“The tragedy that we’re talking about here (is) deaths taking place that should not be taking place,” said subcommittee Chair Sen. Bernie Sanders, I-Vt., in his opening remarks.

Healthcare IT News, Erin McCann “Deaths by medical mistakes hit records, the way IT is designed remains part of the problem.” WASHINGTON | July 18, 2014

http://www.healthcareitnews.com/news/deaths-by-medical-mistakes-hit-records

When I talk about our medical system is broken, it’s clear that if the auto tracking method were applied to hospitals we’d have accountability.

Here’s a quote from the same article;

In the hearing’s closing questions, when Sanders inquired as to why this crisis was not constantly splashed across front page news, he was met with this: “When people go to the hospital, they are sick. It is very easy to confuse the fact that somebody might have died because of a fatal consequence of their disease, versus they died from a complication from a medical error,” Jha said. “It has taken a lot to prove to all of us that many of these deaths are not a natural consequence of the underlying disease. They are purely failures of the system.”

In our premiums and in our government run healthcare we pay for these services.

But, our system requires more fixes than just this. The white paper is breaking apart many pieces of the medical system apparatus in order to demonstrate the areas where the system is broken. Follow the white paper for what’s wrong, then we’ll be publishing the fixes in 1qtr 2016.

Let Us Be Your Claim Negotiator

Have you received a large unexpected hospital, physician, or pharmacy bill? Give us your latest Explanation of Benefit (EOB) and we’ll provide you with a negotiation point! We search and compare the cost of services and will find the lowest and most common cost.

In the ever changing environment of the ACA, deductibles and copays are much higher than ever before. Did you know doctors and hospitals will negotiate? As your advocate, we find information that will help lower how much you pay.

If you are interested in this service, head on over to benstaff.com to learn more about it, and like BenStaff on Facebook to let us know you are interested!

Physicians form group to advocate for Obamcare change

Physicians need a way out, we call them locked doc’s. These are doctors, especially primary care physicians who are being crowded out of doing their work. This sounds particularly harsh but have you asked your physician about staying in business?

This is a good article describing a physician PAC built to bring change.

“All these things are churning and it’s imperative that the subject of the ACA come up (in Congress),” Singer said. “The ACA is not sustainable. We want to play a role in influencing the agenda to make sure patients are first.”

Read more at http://www.sunshinestatenews.com/story/democratic-obamacare-supporters-doctors-are-watching

Contact us to talk more about a small course correction that would have a big impact.

Integrated Health isn’t new

Our healthcare “system” isn’t a system at all. It’s a bunch of pieces cobbled together. Payors, government, hospitals, pharma and others participate in an unorganized delivery of medical care. This is an article pointing us in the right direction.

“Some of the insurance companies are slowly, gradually coming around,” said Jeff Spicher, the center’s Primary Care Clinic director. “Part of the issue, in my opinion, is that in this country we typically have set up a system that is a disease-based system, not a health-promotion system.”

Read more at http://gazette.com/insurance-coverage-gaps-create-health-care-challenges/article/1543737#XklC1EQHupUzP6BT.99

Physicians should lead the effort toward integrated health and not government, payors or others.

Gruber Gaff raises healthcare premium

Rationing is being downplayed just as the “Gruber” economics was previously.

Gruber Gaff, his economics doesn’t get to the real economics

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Gruber Gaff Economics

Gruber disguised the true Obamacare objectives and misled the public; at least that’s what I read and hear.

If we keep focused on the Washington yelling match and taking sides the true problem and its’ solutions will continue to be disguised. The “Gruber Gaff” only serves to confuse the many problems in healthcare. No model from Gruber actually gets at the real problems of healthcare economics and that’s why the financial architect of Obamacare was never going to solve “rising Healthcare” prices.

Fighting over right or left politics may make politicians winners but the American public will pay more for their healthcare premium. Gruber is the architect;

“His real contribution, according to most former congressional staffers who actually drafted the legislation, was to provide the economic models to figure out what the impact of different choices would be—like what different levels of subsidies would cost, and especially what would happen to the mix of healthy and sick people if there was no individual mandate.”

Here’s the article; Medical Economist – Will Jonathan Gruber Top…her – POLITICO Magazine copy

Only One Alternative for the Future; “death panels”

“Medicare advisory board that the party has assailed as a death panel.”

The only solution that is possible given the lack of focus by legislators on both sides of the aisle is rationing. It’s a sad day when we consider that rationing healthcare as mentioned in, “The Hill,” article. The democrats have downplayed the death panel discussion since Obamacare’s beginning but the reality that any language is included points to the reality that Gruber, and other architects knew. Healthcare without policy reform had only one option. That was, and is, to limit costs by not allowing some services.

Americans don’t see it coming but it’s clear as a bright full moon, without our politicians joining forces against the forces pushing up healthcare costs, Americans will most certainly have healthcare rationed. American business owners, employees and individuals must begin a conversation that’s all-together different than all of what has gone before. Here’s the Politico article:  BenStaff history: GOP pins hopes of dismantling ObamaCare on the courts _ TheHill