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; this 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

“Things Not Seen” Do You Have Wisdom To See?

A few weeks ago I went on the March for Life in D.C. Then, yesterday, we protested Planned Parent Hood’s abortion practice. Joyful was the sleepless three-day trip for the March for Life and by incredible contrast, how overwhelmingly sad was yesterday standing up for life at the Planned Parenthood clinic.

A Bit Exhausted

The quote below was the Church reading the morning we returned to school at 4 AM. After three nights without sleep, a bit exhausted, I found myself listening for God’s grace and peace while reading the daily readings and taking the time to meet Him in his word.

“Faith is the realization of what is hoped for and evidence of things not seen.” Heb 11:1; Daily Reading January 28th, 2017

The March for Life is a Pro-Life rally in D.C. each January that commemorates the 1974 Supreme Court decision making abortion legal; the famous case of Roe v Wade. The Rally helps me see hope in our future through the eyes of our youth; I have been seven times. I’m honored to listen to the hearts and minds of the forty-seven High School students who intuitively know there is something good about giving a voice to the unborn. But, I watch as they struggle with what the PC world tells them they should believe. Continue reading ““Things Not Seen” Do You Have Wisdom To See?”

President Trump ACA Order

What does undoing ACA look like with this Order? Here’s the first stab at it from President Trumps first days Executive Order. In a word, he loosened the expenses tied to ACA. He then encourages Federal regulators to provide flexibility to the States plus encouraging interstate commerce.

I’m not alone in my view, but many of us have been saying ACA is too broad to be undone with the stroke of a single pen. What President Trump has done is given instruction for the regulators to make the changes needed. He’s given them a very broad framework to work within, but it’s not a roll-back because that’s not possible. Continue reading “President Trump ACA Order”

Zenefits, Short the Stock

Interviewing insurance executives at Zenefits in 2015 the problems of Zenefits were obvious. Just like the problems still are now, January 2017.

In midsummer 2015 I knew the meteoric rise of Zenefits was but a flash in the pan. Running an agency of their size relying on so few insurance staff is two mistakes. First, licensing that has exposed no respect for State protections for citizens and second, and worse than the first, is  squandering the opportunity to disrupt an industry stuck on its own existence.  

There is so much opportunity to bring fundamental change to more than brokers it would be a tragedy if Zenefits new leader doesn’t get this right. 

It sounds like Conrad’s (former CEO) resignation has made room for good culture changes but if Sacks hangs on to the simple minded insurance thinking short the stock. 

“The company culture of pressuring and bullying employees to cut corners and do the wrong thing is over,” says Sacks.

https://www.bloomberg.com/features/2016-zenefits/

Real value for change is much larger than the broker cash grab. That actually doesn’t change or disrupt the industry. 

Consider just two items:

  • Technology forces benefitting 401k fiduciary protections
  • Changing the Healthcare cost escalations for smaller businesses

Wondering Why Trump Was Elected?

I’ve been silent since the Donald Trump election because I’ve been shocked at how many people haven’t a clue about why Donald Trump was elected by people like me. My apologies to anyone who might be upset, please provide your comments here so I can learn about you. My hope is to offer, in This Linkedin repost, one explanation long before election day why I voted for Trump.

I’d love to stir up a discussion so I might learn if my post is new information if I’m miss informed or if this is not relevant and why. Continue reading “Wondering Why Trump Was Elected?”

Our Closed System

Screen Shot 2015-08-10 at 11.23.28 AM

Take a look at the complexity of our healthcare system, and this is just the relationship between the owners and the insurance company! It is no wonder that it is hard to identify what the main problems are in our system. Allow us to help you navigate the jungle of healthcare. We are the owner’s advocate, not the insurance company’s advocate.

We don’t get input from other countries or methods. We don’t allow “new” to permeate the way we do things. As proof, consider the venture capital “Blue Print Health” spent $2.3mm and only 17% was spent on anything “new” to help health in the last year or two.

It’s all new ways of financing medicine, the $2.3mm is not introducing innovative solutions to improve the health of individuals. We look to hospitals and pharma to solve the problem and they provide only solutions they can sell.

Get an upclose look at the chart by watching the video playlist where Don explains our current system.

Here’s the YouTube link: https://youtu.be/En7mjBQzsXw?list=PLEjdoULJEcEO_6hN4DILqvq1-e65bHW1P

UHC and Obamacare; More of Your Money

My Answer to a customer who asked,

“This caught my eye over the weekend. Does this change our decision matrix at all?”

This customer is in the middle of making decisions today for their employees. I wrote the  email that follows to help them understand what this article is really about. The customer can move ahead as planned but should know more changes are coming for Obamacare. More importantly I explain how this article is an example of how the government and insurers do not care about your health.

If that’s important to you read on.


 

Screen Shot 2015-11-23 at 9.17.05 AM

The article includes this CEO quote,

“We cannot sustain these losses,” Chief Executive Officer Stephen Hemsley told analysts on a conference call. “We can’t really subsidize a marketplace that doesn’t appear at the moment to be sustaining itself.”

Source: http://www.bloomberg.com/news/articles/2015-11-19/unitedhealth-may-pull-out-of-obamacare-marketplace-stock-slides


 

My email to my business customer asking about how this UHC article may affect their present decisions for their employees.

Short answer to your question about UHC:

No, what they’re deciding makes no difference for your decision today. Your decision today will only be good until they make more changes and they do that everyday. What you decide today could change tomorrow, that’s not a joke, that’s real.

Long answer to your question about UHC:

Still, the answer is no, this won’t affect you in the short term and you can’t plan long term.

I’ve been using the words, “shifting sands” for 5 years now. The Obamacare law is 5 years old, March 23rd, 2010. Shifting sands means continuous course corrections by all system stake holders that affects more than $2-3 Trillion of the American economy. This means, today UHC is saying they’re out. But, what it actually means is they’re lobbying for more money. What we have going on here is “lobbying for position.” In the halls of congress, the industry exerts leverage in order to get more money from the government. Welcome to modern politics.

Our elected officials didn’t read the law; they had no idea what they approved and now it’s obvious. People like me have been calling attention to the cost problem for 5 years or more (my blog: https://www.donwatza.com/category/benstaff-inc/white-paper-research/) but the American public won’t listen to someone like me over articles like this. The evidence and problem is documented in my white paper posts.

Sad, but true, I can confidently say, I’ve never seen a bigger mess. Before Obamacare, Healthcare needed a fix because the insurance industry wouldn’t police itself. But, this isn’t a fix and national healthcare won’t fix it any better either (watch my video on, “US healthcare system in crisis”).

My guess about UHC? UHC and the feds will make up; the feds will give UHC more money (this will drag on over the next few months) and in order to give them money they have to make the fix look like they didn’t. In the end, just more rules, overhead, confusion and frustration; and cost.

Summary: The government is making massive changes everyday while the plane is flying. Thoughtless unread regulations created this mess and their fix is a daily stream of thousands of new patches, regulations, paperwork and confusion. I’ve been living in the trenches for 5 years trying to help employers understand and navigate. The reality and size of this law is starting to impact small employers like you.

 There has been NO improvement in health or cost because your health doesn’t matter to them (any of them). What are we going to get if we keep doing what we’ve been doing? Do you expect a different result?

My frustration is clear, we’re in an awful mess and no one cares. There’s a different voice that’s needed; here’s my hope (https://www.donwatza.com/about-2/owners-health-initiative/).

Peace,

Don

Read Don’s Huffington Post Article for Owners

PS

P.S. I will add below related articles;

“Insurers say Obamacare changes needed soon to protect companies from losses” USA Today, 11-24-2015.

“New research out this week from Commonwealth Fund shows far fewer people think their insurance premiums and deductibles — from employer-provided or exchange plans — are affordable than the government does when it defines affordability. About 40% of 2,700 people surveyed said they delay care and prescription refills when they were sick because of high deductibles, Commonwealth found.”

http://www6.lexisnexis.com/publisher/EndUser?Action=UserDisplayFullDocument&orgId=2778&topicId=100025082&docId=l:2487319212