The Health Insurance Pages

   Health Insurance - The Problem - A  Solution   <-- You are Here - Page 3

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Health Insurance -- 

Resolving a Major Money Problem

A New Way to Fund Health Care

Page Content

    Problems in the Health Insurance Industry

    Setting the Context --  Where Are We Now ?

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    Solutions in the Health Insurance Industry

    Solution One -- Partners

    Solution Two -- Solo

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    Where Will You Take Your Business?

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Distinctions

This Page Is About Money and 

    It's About Paying for Health Care.  

It's NOT about health care, itself.   

      It's NOT about the health care service providers.

The Basic Fundamental Issue Is Money.

Our monetary system is broken.  As a result, the public is being ripped off, in this case by the insurance companies.   The public is having their health services, reduced, denied, stopped, or otherwise interfered with so that the insurance companies can make a bigger profit.   We'll show you how to stop that.

We'll start by defining the five, major, financial problems in the health insurance industry and then we'll show you two simple, yet incredibly-effective ^**msc3  ways to solve all five of them.

Problems in the Health Insurance Industry

1     Profits First:   The corporate executives in the health insurance industry are focused on profit at the expense of everyone and everything else.   Providing health services is secondary to making a profit.   

2     Money:   Lack of money is a serious problem.   Billions of dollars are pulled out of the system every year to pay stockholders, to pay high-priced,  insurance company, corporate executives, and for lobbying, advertising and the like.   

The insurance industry is one of the most profitable businesses in the nation.   It's also responsible for one of the world's greatest financial rip-offs.   When one examines were the customer's money goes, we hear numbers like one quarter to one third of all that money is taken out of the system as profits.   Even the openly advertised gambling casinos in Las Vegas only take out only twenty present.  The Grocery chains operate on less than five percent.

New sources of money are desperately needed.   Is there a way to stop the loss of all this money?   Is there a way to re-direct most of that money into providing health care services.   The answer is "yes."

3     Regulations:   We have government regulations about thousands of things and regulatory agencies all over the place, but regulations are, all too often, grossly ineffective.   Here are the two main reasons why regulations don't work:   1)   The agencies that are supposed to protect the people are soon dominated by the corporations that they are supposed to regulate.   

2)   Via campaign contributions, corporate executives own the votes of many senators and congressmen.   As a result the laws that pass are designed to look like they are doing something, but they are almost always full of loopholes and exceptions so that the industry executives can follow the letter of the law and at the same time, grossly violate its intent ^**msc1      

4     Losing Health Care Coverage:   Many insurance policies are tied to the employment of the person insured, or they are tied to some other weasel clause. ^**msc2   

Under the present system, when someone loses their job, their health insurance is often in serious jeopardy.   If at the time of job-loss, the person or his/her family member is receiving health care services, the insurance companies make every effort to cancel the person's insurance policy and stop paying for the sick person's health care.   His or her life is sacrificed for the sake of making a profit.  Thousands of people die each year because of this insurance company practice.

5     Lobbying, Advertising  and PR (Public Relations):   The insurance industry spends hundreds of millions of dollars each year on lobbying, on advertising, and on media scare tactics, designed to get the public to demand what the insurance companies want to sell them.   

They also spend millions more each year making campaign contributions.   The insurance industry spends millions of dollars each year on getting politician elected or defeated -- to defeat those who propose national health care,   single-payer health system, and/or public options --  and to elect politician who will vote against these three choices.  

The solutions we are about to show you are not a fix-alls, or a magic potions, or  silver bullets.   Both, however focus on and make a major transformations at the root of the problem, at the core issue.   That core issue is the huge conflict of interest between  providing a service  and  making a profit.   Our solution eliminates this conflict of interest and redirects billions of future dollars from the profit ledgers of the health insurance companies to the service sector of the health-service providers.

Let us introduce you to the solution, but first, we need to set the context.   

Setting the Context  --  Where Are We Now?

   Beneath the Confrontations:   The anger expressed in the insurance-related town hall meetings is about far more than just health insurance.   

The people have been lied to, cheated, ripped off for decades. ^**es5   Millions of people have had their financial well being destroyed.   The governments do not represent the people.   Senators, congressmen, and representatives ignore the people who elected them and serve the special interests.   

Millions or people are in serious, financial jeopardy.   Millions are out of work.   They cannot take care of their families.   Their children's health and education is in serious jeopardy.   Millions have lost their homes to a greedy banking system.   Millions more are fearful because, unless something drastic changes, they are about to lose their homes, too.    Runaway Global Warming **rgw1  is being ignored by many corporate and government leaders in favor of making more money.

    Runaway Global Warming:   Runaway Global Warming is a serious threat to everybody's well being and is in urgent need of attention NOW!   Unfortunately it is still being ignored by most of our so-called leaders.   Those who have taken the time to objectively examined the evidence are alarmed. ²  Those who believe in "The Rapture" **rs1  and those who simply parrot what the special interest's spin doctors tell them are unconcerned.

    The Grandfather Generation:      There are powerful, special-interest people whose minds are dominated by the mentality (the basic belief system)  of  The Grandfather Generation.   These man can't or won't make changes.   Their lives and the policies and practices that they push onto the rest of us are based on a set of obsolete fundamental, unprovable beliefs  --  beliefs such as usury is a good business practice,  ^**es6  /// exploitation for profit,   ///   separation from God, from nature and from fellow humans,   ///  lies of omission are not lies,  /// The Rapture is a true story,   ///  anything is OK, including destroying the environment, as long as it produces a short-term profit. 

Reference --  The Grandfather Generation:

http://www.ThePeacefulRevolution.com/grandfather-generation.html#57

   Major Changes:   If humanity is to survive in any semblance of social order, major belief and behavior changes are required.   Our research team has developed  a comprehensive plan for resolving several major financial problems.  But, please don't believe us.   Examine the evidence for yourself.   Here's just one example:

http://www.Learn-From-History.com/
public-service-banking-system.html#53  

Here's one of our major tools:

Let us now introduce you to a simple and effective solution to the major financial problems in the health insurance crisis:

Solutions in the Health Insurance Industry

There are two, similar yet significantly different ways to resolve the five problems listed above.   Both resolutions involve bringing non-profit foundations into the matrix.   Solution One is a redesign.    Solution Two is a replacement.   We'll describe both solutions, and suggest that energy be directed at both solutions.    Both solutions solve all five problems and provide several other benefits as well.   

In order to understand the underlying concept, readers are directed to these pages on our the TLC-Life-Center websites:    

    The Benefits of Foundations:

    An Example -- Using  NPO's to Solve the Home Foreclosure crisis:

    For a detailed explanation of the concept:

An "A to Z" description of the project (in an interview format)  can be found on TLC-Life-Center's website:  

Solution One -- Re-design

Solution One 

Non-profit Foundations and 

Profit-Oriented Corporations as Partners

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Problem  # 1     Profits First:   The corporate executives in the health insurance industry are presently focused on profit at the expense of everyone and everything else.   Providing health services is a distant second to making a profit.   

    Solution:   Re-structure the management aspect of the health insurance companies using  The New Corporate World Foundation's Win-Win Business Format.   This will shift the corporate focus from profits only to a five-point focus  --  giving equal priority to employees,  management, customers,  the environment,  and the remaining stockholders.   It's incredibly simple to do and yet the implication are far-reaching and profound.   How to set up this structure is described in detail at:  http://www.New-Corporate-World.info#39 ²

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Problem  # 2     Money:   Lack of money is a serious problem.   New sources of money are desperately needed.   

    Solution:   Look for the money where it is and not where it isn't. ^**es5    Billions of dollars are pulled out of the present system every year to pay stockholders and billions more go to into the pockets of high priced insurance executives.   Using   The New Corporate World Foundation's Win-Win Business Format,  most of this money can be redirected into the NPO.   One of the cash cows  of the super-wealthy will be shut down.  Fortunately for the super-wealthy and unlike past, major, economic transformations, ^**es9  they will get to keep all  their present wealth.   

By re-structuring the management aspect of the health insurance companies using  The New Corporate World Foundation's Win-Win Business Format, billions of dollars that now go into the vaults of the super-wealthy will be recycled back into the foundation and then distributed by the foundation to its five beneficiaries --  employees,  management, customers,  the environment,  and the remaining stockholders.     

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Problem  # 3     Regulations:   The bottom line is that government regulations are supposed to protect the public.    Unfortunately, they don't.   Money which is supposed to serve the public ends up in someone's pocket or, by way of  profits to the company, it ends up in the vaults of the super-wealthy.   

    Solution:   When the management aspect of an insurance company follows  The New Corporate World Foundation's Win-Win Business Format,  the entire system is internally controlled and self directed.   Because the foundation owns controlling interest in the profit-making corporation, there are no outside financial interest to get in the way of paying for any and all appropriate and needed health care.   There are no outside financial interests siphoning off profits.  There are no money interests saying, we can show a higher profit in the next quarterly report if we get rid of this or that customer.

Also, in this new business format, the employees receive three shares of stock every six months and the customers each receive one share of stock every six months.   Thus all around, it's a self-owned, self-directed, self-managed company.   Technically, the employees and the customers don't own the foundation, however, all the money goes to the foundation (except moderate operating expenses)  is redirected back to its five beneficiaries -- employees,  management, customers,  the environment,  and the remaining stockholders.     The foundation's bylaws will cover this aspect in detail to insure proper use of its funds.   You can see an example of this at:    http://www.Medical-Marijuana-Foundation.com/mmt-foundation-bylaws.html#gr  

Under this new business format, there is little or no need for outside regulation.   

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 4     Losing Health Care Coverage:      Many insurance policies are tied to the employment of the person insured, or they are tied to some other weasel clause. ^**msc2   When someone loses their job, their health insurance and their families health insurance is often in serious jeopardy.  

    Solution:   When the management aspect of an insurance company follows  The New Corporate World Foundation's Win-Win Business Format,  the insurance company's payment-for-service agreement is not tied to anybody's employment.  Providing the premium payments are made, (at the same rate the company paid) insurance coverage will continue after employment termination for as long as the insured desires to have it continue, regardless of the person or family member's health.   Whatever arrangements were in effect while employed, will remain in effect after employment termination.   The only difference is that the person, him/herself becomes responsible for making the insurance premium payments.   

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 5     Lobbying, Advertising  and PR (Public Relations):   The insurance industry spends hundreds of millions of dollars each year on lobbying, on advertising, and on media scare tactics, designed to get the public to demand what the insurance companies want to sell them.   

    Solution:   When an insurance company is managed using the   The New Corporate World Foundation's Win-Win Business Format,  there is no need to manipulate public opinion in order to increase profits.   The hundreds of millions of dollars that are now spent manipulating the public and to buying off politicians can be better used providing health services to their customers.   

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Now that we've examined the corporate management re-design option, lets look at the replacement option. 

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Solution Two -- Replacement

Solution Two 

Non-profit Foundations

Functioning Independently

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All five of the solutions listed above in the re-design  version are also part of  the replacement  version so we don't need to repeat the benefits.   We simply need to explain the distinction between the two solutions.   

The re-design  version  is a process of transforming the management structure of an existing corporation.   This requires that the present corporate officers to see the value of the new system, make the decision to change, make the changes, and then apply them to their existing business.   Knowing human nature and knowing people's incredible resistance to change and knowing that corporate structures designed to be cash cows  for the super-wealthy are not about to change without major incentives, the re-design  version  is will take some time to implement.    

The replacement  version  involves setting up independent non-profit foundations focused on providing health care services.   The N.P.O. creates its own profit-oriented corporation to provide the financial services similar to what existing health insurance companies were supposed to do.   There are, however, some major differences.   

For ease of explaining this concept, we'll refer to the profit-making corporation as  
H. S. I. P Inc. (Health Service Insurance Providers, Incorporated)   The non-profit corporation we'll be  referred to as  I.N.P.O.  (Independent Non-Profit Organization)

Here are the Distinctions:   In H. S. I.  P Inc., there are no outside stockholders.   There are no government bureaucrats.   There are no outside money lenders controlling or demanding anything.***   

***  Because the insurance industry has caused the passage of laws designed to stifle and/or eliminate competition, the initial implementation of  this system may be initially hampered by numerous and sometimes  ridiculous laws.   Here's just one example:   Saint Louis is a major American city divide in half by the Mississippi River.   If you are a corporation that sells health insurance in Saint Louis, Missouri, you cannot sell insurance to someone who lives across the river in East Saint Louis because East Saint Louis is in Illinois.   This is because the Insurance industry caused a law to be passed saying that a company cannot sell insurance across a state line.  

We encourage the Obama Administration to repeal this law and several others that have nice-sounding titles and declare wonderful benefits, but are really designed to stifle or eliminate completion.

The I.N.P.O.  holds at least fifty one percent of the stock in H. S. I.  P Inc.  A portion of the other forty-nine percent of the stocks, when necessary, but only when necessary, can be sold and the money used for purposes such as to provide the initial money to set up both  H. S. I.  P Inc. and the I.N.P.O. -- to  pay for the first year's operating expenses.   

Most of the I.N.P.O.'s will function as members of a mutually-supporting ^**msc3  association of insurance-related foundations.   Once several I.N.P.O.'s  are created and the association is functioning, the existing I.N.P.O.'s  can be the source of loan monies for the start up of additional I.N.P.O.'s   Also, when the association has several affiliates, it will have collective buying power and can negotiate with the pharmaceutical companies (and other companies) for lower prices on whatever association members chose to purchase.  

You might also note that by using  I.N.P.O.'s, this shifts significant financial power away form the big-money interests and back to the people.  

In this new business format, the employees receive three shares of stock every six months and the customers each receive one share of stock every six months.   Thus all around, it's a self-owned, self-directed, self-managed company.   Technically, the employees and the customers don't own the foundation, however, all the money that goes to the foundation (except moderate operating expenses)  is redirected back to its five beneficiaries -- employees,  management, customers,  the environment,  and the remaining stockholders.   The foundation's bylaws will cover this aspect in detail to insure proper use of its funds.   You can see an example of this at:   

http://www.Medical-Marijuana-Foundation.com/mmt-foundation-bylaws.html#gr

Under this new business format, there is little or no need for outside regulation.   

To avoid concentrations of power, a network of man  I.N.P.O.'s  would be appropriate.   The best results will come from a multitude of mutually-supporting  I.N.P.O.'s, each independent and autonomous, each assisting the other association members.   

Please see the example of this in our proposal for ending the home foreclosure crisis:

http://www.EconomicSanity101.com/
bo-3-how-to-end-home-forelcosure-crisis.html#NewLendingStructure 

Another advantage to this process is that anybody or any group of people can set up this system for providing health care services, and the same or a similar system can be set up for any other purpose that its creators choose to pursue.   For an example of this, please see our Medical-Marijuana, Access-Assistance Foundation website at:   http://www.Medical-Marijuana-Foundation.com#gr 

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The Bottom Line

Both the re-design and the replacement proposals are 21-Century Versions of the Free Market System:   

They are both free market solutions --   without the exploitation of anything or anyone -- without the greed  --  without the environmental destruction  --  without ripping off customers  --  without endangering the health and the lives of customers or employees  --  without government bureaucrats --  without overpaid corporate executive putting billions of dollars in their own pockets  --  and without billions of dollars being siphoned off by high-paid  executives to pay health insurance industry's corporate stockholders. 

Money- wise, Here's the Bottom Line:   

The  super-wealthy will lose one of their several  cash cows.  ^**es5   Billions of dollars that now go into the vaults of the super-wealthy will be redirected into the pockets of the working class.

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How to Jumpstart the Financial Solution

The very fasted way to end the financial rip-offs is to find a small, already-functioning insurance company that is or very quickly can provide health insurance payment services and convince the company executives to convert the management of their company to  The New Corporate World Foundation's Win-Win Business Format.  Then promote this company as an example.   

If those who want health insurance reform publicize and promote this company as an example of an alternative to the existing insurance companies,  the public will fly to this company like bees fly to a flower's honey. ***   

***  Unless this companies management policy is promoted and endorsed, it will be very slow in becoming a functional  alternative.

As this management system becomes fully functional, the already-existing companies will see what's happening, and they will have to make a choice.   They can try to continue selling a significantly-inferior ^**msc3 product at a high price and lose so many customers that they'll be forced out of business or convert to the   The New Corporate World Foundation's Win-Win Business Format.  

Any existing health insurance  company that decided to convert to  The New Corporate World Foundation's Win-Win Business Format  could begin marketing itself in this  new service format almost immediately.   

Once the process is underway,it would be only a matter of time before the major health insurance companies that are now ripping off their customers will be left with very few customers.     

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Where Will You Take Your Business?

By the proposals above on this page, we are simply offering  alternatives to the existing system.    This is the free market economy in action --  a free market in the truest sense of the word.   There needn't be any government bureaucrats involved.    

Customers are free to go wherever they choose.   Isn't that what the peddlers of the present so-called free market **uc1  are telling us.   So, where will the customers go?   Where will you take your business?   It doesn't take Einstein or Sherlock Holmes to figure out that the customers will go  to the companies managed by   The New Corporate World Foundation's Win-Win Business Format.

The Health Insurance Pages

   Health Insurance - The Problem - A  Solution     <-- You are Here -- Page Three

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Notes and References

^**msc1   **msc1    The Loophole Problem:   The auto insurance industry has one of  the world's best example of the loophole problem.   In California, a state law was passed prohibiting auto insurance companies from charging discriminatory  insurance rates based upon where the insured person lived.   

Legislators design the laws so that those being regulated could follow the letter of the law and at the same time, completely ignore it's intent.   The letter of the law prohibits insurance companies from charging higher fees because of where a driver lives, so the insurance companies now base their fees on "the zip code where the car is garaged."    They function in perfect adherence to the letter of the law while assassinating its purpose and its intention. 

From a purely legal perspective, this problem is actually quite easily solvable.  But from a practical perspective, the solution will not be applied as long a the money interests control the legislators.  Here's an example of how to solve The Loophole Problem:  

This law shall contain two equally powerful parts  --  the letter of the law and its stated intention.    A violation of the law's stated intention shall be equal to a violation of the letter of the law.   

For the full text and the context of this concept, readers are directed to The Green Earth Computers website:  

http://www.Green-Earth-Computers.com/
foundation-bylaws.html#MergingLetterIntent 

^**es5   **es5     How The Working Class Is Being Milked for Money:    There are nine major ways that the working class  people are being financially ripped off and dozens of lesser ones.

http://www.EconomicSanity101.com/
how-working-class-is-milked-for-money.html#83 ²

^**es9    **es9    Fortunately for the super-wealthy and unlike in past, major economic transformations, they will get to keep all  their present wealth. 

**uc1       **uc1   The Illusion Called Free Capitalism:   Most people believe that the world's economy functions under a system called "Free Market Capitalism."   This is another grand illusion peddled by the super-wealthy to cover up centuries of manipulation, control, fraud, and outright criminal activity.   

^**msc2   **msc2    A Weasel Clause:    A weasel clause is a statement included in a law or a contract (or an omission in the law or contract) ( or a very vague statement) which allows a person or a corporation to avoid having to follow or honor the law or contract.   It offers a loophole, and escape route, an exemption.   An example of this can be found in the above reference:   The Loophole Problem  ^**msc1     

As another example, in the 1970's there was much public complaining about banks and credit card companies charging excessively high interest rates on loans.   Congress was pressured to pass a law limiting interest rates.   So in 19_ _ , they passed a law to solve this problem by  prohibiting anyone from charging an interest rate on a loan over ten percent.   During the final hours before the bill was passed, they inserted an amendment exempting, the financial industry from having to obey this law.   

The main result was the appearance of doing something while doing nothing, and the real result was that you and I can be arrested and put in jail for charging over ten percent interest on a loan, while the professional lenders can charge any amount that they want. ^**es6   The law had ZERO effect on the real problem.  

^**msc3   **msc3    We are well aware that using technically correct grammar would require us to use adverbs ending in "ly" such as "mutually"  in  "mutually supporting" without a hyphen connecting the adverb to the verb or adjective  it's describing.   We have chosen to ignore protocol in favor of ease of understanding on the part of the less sophisticated readers:

Mutually-supporting  --  Surprisingly-sweet  --  Incredibly-clever

**rgw1    **rgw1   Overpopulation and human activity have turned on Runaway Global Warming and set in motion dozens of highly-destructive Global Climate Changes.   Unless we begin making major changes immediately, these changes will kill most of humanity and cause the extinction of about half of the life forms on the planet well before the end of this century.

http://www.TruthSpeaker.net/urgency-for-action.html#34 ²

**rs1   **rs1     The Rapture:    "The Rapture" is a conservative Christian belief that the world is about to  end any day now,  and when it does all born-again (saved) Christians (but nobody else) will be ushered directly into heaven above the clouds  to be with Jesus and the superhuman being called God.   They believe that because everyone is about to die very soon, taking care of the environment and making provisions for future generations is a waste of time.  

The belief that  the world is about to end when Jesus returns  has been a standard Christian belief for almost 2000 years.   "The Rapture" is simply an amplification of the return-of-Jesus  story with an added, new twist to the story-line designed to modernize it and enhance its production value.   It's being heavily promoted today because a 19th century con artist proved its value as a highly effective method of manipulating the behavior of gullible Christians and as a very successful fund raising tool.   Check the evidence and draw your own conclusions.   Here's a place to begin your research.

15 Jun 09