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

Happiness and Faith

We All Seek Happiness

Did you know the dispensing of mental health prescriptions are at an all time high in the US? What does this mean, what does it say about the citizens of the US? Medication abuse, drug use and addictions of all kinds are on the rise. If mental health prescriptions are intended to cure the rise of the diagnosis of depression, and if we assume depression is a certain amount of unhappy, then we can say, citizens in the US are increasingly unhappy. I would make the stretch that addictions to alcohol and drugs are frequently explained as an escape from an individuals present circumstance the they must not be happy in their present circumstance. Would you agree with how I’ve connected these dots? I’ve made a generalization of course and haven’t considered physical ailments of the mind and body that would be an exception; for now let’s stick with the generalization.

Did you know the percent of people who volunteer their time to local community organizations has dropped from a high of 60% 40 years ago to an all time low of 25%? What does a decrease in serving others mean? Do you volunteer your time for the good of others? Is this decrease in volunteer time somehow related to an increase in “unhappiness?”

How Much Do You Pay For This In Your Healthcare Premium?

Is there a connection between our state of unhappiness and serving others? Is the attitude of one who serves others opposite the attitude of someone with an addiction or on depressive drugs? Are these two attitudes on the opposite ends of the happiness continuum? Only as an economic indicator, as something we can measure, can we say those serving others (not preoccupied with themselves) is opposite addiction and depression? What’s the cost to families, communities and companies in healthcare premium for our unhappiness, addictions prescription solutions? $210 billion per year is one answer; “Growing Economic Burden…” I’ve not vetted this report or double checked against other sources; this number seems to me to be quite low. Is there an alternative to our current method of treatment?

Where do we look for happiness? Is happiness found in things of “this world” like entertainment, wealth and work, honor, power, personal physical pleasure; food, sex, alcohol, drugs gambling excess in all kinds of other things? Do you seek your “fifteen minutes of fame” selfies, indulging in idol chatter?

What makes you happy and at peace? If you were depressed or if your loved one were depressed how would you solve that problem? Is depression on the rise because hoping in the empty promise of seeking happiness in the things we see advertised, things our friends have, or momentary physical pleasures or other worldly things? What’s your “addiction” what’s your worldly addiction that when you get it, it makes you happy? For how long does it make you happy?

VeggieTales Madame Blueberry Trailer

A great line from Veggie Tales, “Madame Blueberry” who is the purveyor of “Stuff” as she buys more and more to satisfy her need for “Stuff”. She is seeking happy at the Stuff Mart Store; she sees a boy with nothing who is happy with what he has. Madam Blueberry asks the Stuff Mart store manager, “I want what that boy has, I want to be happy, where do I buy that?”

As Madam Blue-berry finds out, happiness can’t be bought. We all know people, if not ourselves, who have everything and are still depressed, sad, or just not happy. That’s because things of this world feed the flesh and mind but do nothing for our soul. Our soul doesn’t need stuff it needs God.

Fr. Robert Barron, now Bishop says, “the great task of the church is to teach teh human race how to find themselves precisely in relation to God.” Word on Fire Video on YouTube called, “Atheism and Assisted Suicide”

Consider faith as the answer to pills, pleasure, wealth, honor and power because faith is heaven sent and is a free gift from God; he alone feeds our soul. Give him your heart, mind and soul first. Then, find happiness in everything he’s already given you.

Psalm 23:1-6

1 The LORD is my shepherd, I shall not want;
2 he makes me lie down in green pastures. He leads me beside still waters;
3 he restores my soul. He leads me in paths of righteousness for his name’s sake.
4 Even though I walk through the valley of the shadow of death, I fear no evil;  for you are with me;  your rod and your staff, they comfort me.
5 You prepare a table before me in the presence of my enemies;  you anoint my head with oil, my cup overflows.
6 Surely goodness and mercy shall follow me all the days of my life;  and I shall dwell in the house of the LORD for ever.

Just a thought.

Our Modern World Can Learn From Old World Truths

I hear the words “modern world” and wonder, for all our advancements, why hasn’t human behavior changed? Think about the 5th century church writer who comments upon todays reading, Luke 9:7-9.

“John aroused Herod by his moral admonitions, not by any formal accusation. He wanted to correct, not to suppress. Herod, however, preferred to suppress rather than be reconciled. To those who are held captive, the freedom of the one innocent of wrongdoing becomes hateful. Virtue is undesirable to those who are immoral; holiness is abhorrent to those who are impious; chastity is an enemy to those who are impure; integrity is a hardship for those who are corrupt; frugality runs counter to those who are self-indulgent; mercy is intolerable to those who are cruel, as is loving-kindness to those who are pitiless and justice to those who are unjust. The Evangelist indicates this when he says, “John said to him, ‘It is not lawful for you to have the wife of your brother Philip.'” This is where John runs into trouble. He who admonishes those who are evil gives offense. He who repudiates wrongdoers runs into trouble. John was saying what was proper of the law, what was proper of justice, what was proper of salvation and what was proper certainly not of hatred but of love. And look at the reward he received from the ungodly for his loving concern!”

Integrity is a hardship for the morally corrupt, by Peter Chrysologus (400-450 AD)

[Peter Chrysologus, 400-450 AD, was a renowned preacher and bishop of Ravena in the 5th century]

excerpt taken from copyright (c) 2015 Servants of the Word, source: www.dailyscripture.net, author Don Schwager

As a student of people and how they spend money on healthcare, I find the phrase from 1500 years ago very applicable today, “frugality runs counter to those who are self-indulgent.” It’s interesting that as we consider ourselves more and more enlightened or modern that we shun the realities of humanity as though what’s been taught by Judaism and Christianity for many centuries is irrelevant.

Our economic system today depends upon individual borrowing, banks and many financial institutions provide easy access to a culture that loves self-indulgence. The 2008 economic depression was largely the result of Fannie Mae and Freddie Mac lending practice (Federal Reserve Report, 2015) permitting, and even promoting, individuals to over extend by borrowing much more than they could repay. This isn’t unlike how our Cities like Detroit (Bankruptcy approved-WSJ 2014) have borrowed upon our future and obviously, how our Country has borrowed $116,000 from each working persons future.

The fact is our age, our modern age, borrows to be self-indulgent and as a result our children aren’t learning the lessons taught more than 1500 years ago. Maybe we should give our youth a better example. Embracing the truths of centuries old might help our youth, simple truths about human behavior when ignored, promote our repeating the mistakes the old days arned a long time ago.

Joy is to hear his word.

Virtues in Athletics and Life

Screen Shot 2015-11-19 at 7.50.22 AMVirtues teach us to raise above ourselves and answer God’s call to holiness. The virtuous act is a response to God’s goodness, the prompting of the holy spirit and a love of God and others.

The following document is the continued effort to shape a message about virtues, and their application to everyday life by witnessing to the way virtue can be used in coaching athletics, and then generally in life.

The goal is to prepare the message to be an invitation, understandable by anyone who encounters it, consistent with the teaching of the magisterium but not theologically difficult.

Go to Athletics & Virtue power point talk.

 

If you gain access to this document, do two things; share its link with others and give credit if you use any of this material for your own. It would be appreciated to receive your insights and feedback so this material evolves.

Let us do all things for Christ Our Lord, and God the Father in union with the Holy Spirit.

Don Watza

 

Grateful for Mom

A Birthday Card

A few years ago, the family gathered for Mom’s birthday. I read aloud the following letter. She still thanks me for the copy I gave her.

When I reread the letter, it occured to me others might appreciate it because it’s a message to all parents and children. I removed specific family names so you can insert your own family members.

Enjoy,

A Tribute to My Mom

Moms are unique, but not unique like different, or cool, or hip, but rather, unique because our experience of our own Mom is unique to each of us. Among my siblings, the experience of my Mom is unique to the experiences we had with Mom. My relationship with Mom is different from your relationship with Mom. Continue reading “Grateful for Mom”