Unaffordability Ebola is Spreading Throughout US Healthcare | healthcare

Driven by “The Number One Concern of Adults and Businesses in the US,” an insatiable, immutable ‘Unaffordability Ebola is attacking another compliant US host: The US Healthcare System.According to experts at Harvard, Johns Hopkins and Mercer, the US System is sick; its prognosis, poor.”We’re reaching the outer limits of affordability,” said Arnold Milstein, MD, Medical Director of PBGH and Chief Physician at Mercer. Milstein was addressing an international conference of providers, educators, brokers and facilitators on Global Health when he said, “We’re seeing an upward spread of The ‘Unaffordability Ebola.”WHAT HAPPENS IN VEGAS…
At the first, International Medical Tourism Conference in Las Vegas in April, Milstein was one of the prominent canaries singing an early warning of a virus attacking the seemingly immune US Healthcare System – “The Best System in the World.” The Canaries were singing at all venues in ‘Vegas but what happened there WON’T stay there. The Ebola is spreading faster than many people will admit…500,000 U.S. PATIENTS ABROADThe National Coalition of Healthcare estimates 500,000 people left the US for treatments last year; 500,000 international patients will visit India this year infusing $2.2Billion into its economy; 200,000 patients visited Singapore in ’05; 100,000 visited Malaysia that same year. It’s a $60 Billion Global Business that’s growing 20% a year.A presentation titled: “Leveling the Global Healthcare Playing Field,” Harvard Medical International President Dr. Robert Crone argued:1.) Regional Health Systems have achieved quality services at lower cost than US systems;2.) Global Standards and Benchmarks of quality are emerging;3.) Medical Tourism is growing, and global insurers will participate. Privately, he said, “they’re going to eat our lunch.”BARK, AND A BITE!Dr. Crone knows what’s he’s talking about. He has the credentials one would expect of a guy who’s at the top of the food chain at Harvard Medical. He’s lectured and implemented health education and delivery system programs in more countries than the average American could spell – or find on a map! A Top Dog in global healthcare, Dr. Crone has the bedside manner of a Junk Yard Dog: both his bark – and bite – hurt!”In the Flat Medicine World,” he said, “US facilities may be seriously disadvantaged, and adversely impacted in the global marketplace. Oh well,” he said smugly, “we had our Century.”Crone rattled off the maladies running rampant throughout the US system today, then piled on several scary scenarios ahead. It was a foreboding message for anyone planning to access US Healthcare today, or tomorrow. (Meaning, probably, every single American: rich, poor, healthy, sick!)Like other industries, healthcare has globalized and the new, uber competitive marketplace is introducing unimagined (some say impossible) features and benefits to consumers: Cheap, Comparable Outcomes and Outstanding Customer Service…What’s not to like?Let’s say you are uninsured and need a new knee? (What if you needed something less invasive like, say, your annual physical?) What if you wanted a face lift; a breast reduction; tummy tuck or a sex change? Since you’re responsible for the FULL price, you’re probably going to shop around a bit (after you self-diagnosed yourself, of course).As you’re shopping, you’re probably trying to find other important things to study and measure besides reputation and credentials alone. Unfortunately, there is very little accessible, comparable consumer information on cost, quality and care in the US. As a result, even the most unsophisticated buyer of healthcare is drawn to the international healthcare bizarre on the internet – and a sale can be made half way ’round the earth in the dead of night. That’s the new world of medicine.JOE SIXPACKLet’s say you’re a self insured employer – responsible for the first $50,000 or so on each employee. Would you consider recommending old Joe from Sales consider an awake, beating heart coronary artery bypass grafting at a superspeciality hospital in India – instead of the local provider? Would you ask/beg Joe (and his wife) to go halfway around the world for three weeks of treatment for the financial health of the company? Would you rewrite your Plan Document to take advantage of global pricing? Would you consider Singapore as your new Preferred Provider Network?And what about a good deal for taxpayers? Should the US Government send Medicaid patients packing? What about Medicare? Should taxpayers shell out $65,000 for grandma’s new hip when she can get hip resurfacing for $13,500 in India (including air fare and a week on the beach)?And how about all those new, high deductible health plans being sold in the US – where your best interest (maybe your only interest) is buying the most cost-effective care you can find?Would you fly 10,000 miles for a couple new crowns – plus a week on the beach – if you’d save $1,000? A TIME Magazine poll in May ’06 found that 45% of uninsured people said they would; 19% of insured people said they would, too.When asked if they could save $5000, 61% of the uninsured and 40% of insureds said they would travel 10,000 miles for an elective procedure.HOLD THE MAYOImagine your Executive Physical at a Mayo vs Maya? (Come on, guys, wouldn’t you be more inclined to actually have an annual physical – even with a colonoscopy – if it included a week on the beach with a martini and a massage for less than you’d spend for three days in Rochester, Minnesota?)Medical Tourism is Hot. (Some call it: “Medical Value Travel;” to others, it’s Consumer Driven Healthcare at its most driven level.) Whatever YOU call it, it’s economics applied to healthcare for the first time in more than 50 years.Medical Value Travel has been going on in the world for a long time, but most tourism has been inbound to the Mayos and the Cleveland Clinics of the world. Since 911, however, inbound Medical Travel has all but dried up in the US while outbound tourism is growing by leaps and bounds. Instead of Cleveland, it’s Chennai; Mumbai instead of Mayo. The Brave New World of Healthcare.Nicolet Bank Business Pulse© is a quarterly economic study of CEOs, O&Os and GMs in 10 Northeastern Wisconsin counties. (Businesses from all sectors and all sizes are represented in the sample.)In January, Nicolet Bank posed several questions about Medical Tourism: 52% of the CEOs, O&Os and GMs never heard of Medical Tourism; 23% heard of it, but didn’t know much about it; 17% were somewhat familiar; 9% very familiar.The Nicolet Bank Business Pulse© also asked: How interested would you be in traveling to another country for a routine procedure (e.g. your Executive Physical) if you knew the cost would be considerably less – and the care would be equally good?”Nearly a third said they’d be interested,” said Dr. David Wegge, president of IntellectualMarketing, LLC – the firm that conducts the studies for Nicolet Bank of Green Bay. “I don’t know how this compares to national CEO data; I suspect we’re the first ones to ask.”Wegge was surprised that a third of the CEOs would be interested, “especially among CEOs who probably have health insurance and fewer financial worries.” 30% were definitely not interested; 23% were probably not interested; 19% said, “It depends on the country.” (Of the countries listed, Canada was the overall preferred provider; Russia was dead last – definitely an OUT of network provider!)Nicolet Bank also asked CEOs 1.) “Would you be more interested if a medical trip were combined with a business opportunity and; 2.) Would you be more interested if it included a vacation with spouse/partner. “The levels changed substantially,” Wegge said.**Contact Wegge for detailed analysis: 920.217.7738

How to Invest Like a Professional Investor | investing

Investing is a scary subject for many. Most amateur investors think investing is risky and are scared of losing money. Investing is not risky if you know what you are doing. The secret to controlling risk when it comes to investing is by investing first in your financial education before investing with your money. You have to invest like a professional investor.This may sound like a common sense advice, but in reality most people feel investing is rocket science or feel they do not have the time to study to become a professional investor. Consequently. most people hand over their hard earned money to strangers they hope are experts, or invest based on advise they cannot validate because of their own lack of financial education.When it comes to driving, we attend a driving school and obtain a driver’s license before we hit the road. A doctor goes to medical school, does internship etc before he practices. In virtually field of endeavor, we prepare first before we dive in. But when it comes to investing, most people dive in first without taking time to understand what they are doing. Investing without knowing what you are doing is very risky.How do you invest like a professional investor?By first of all investing in your financial education to enable you:Analyze investments
Understand markets and trends
Tell between a bad advice and good advice
Tell between a good adviser and bad adviser
Tell between a good investment and bad investment
Tell if an investment fits your investment plans and financial goalsA professional investor takes his own decisions and does not swallow every financial or investment advice hook, line and sinker.A professional investor can tell between a sales pitch and an investment advice. Without financial education, you are at the mercy of your financial adviser. Most financial advisers are employees working for fees or commissions. To earn their fees, they have to tailor their advice towards their products to earn their commissions.A stock broker will advise you invest in stocks and mutual funds
A banker will advise you invest in a money market instrument
An insurance broker will advise you invest in an insurance product
A commodities trader will advise you invest in commodities
A real estate broker will advise you invest in real estateAdvisers look out for themselves while dispensing financial advice, hence the advice you get is based on who you talk to. Without financial education, you will not have your own answers, and will have to run with whatever limited advice you are given.The most common question on the lips of an amateur investor is what to invest in, while a professional investor does his due diligence to determine an investment that will yield his required returns. The professional investor invests for both cash flow and capital gain while the amateur pins all his hopes on capital gain which is outside his control. Hence a professional investor has control over the investment while the amateur has no control and only hopes for the market to go up. The professional wins in up and down markets while the amateur only wins in a market boom and is scared to death of a market crash.To invest like a professional, your first and most important step is to invest in your financial education and become your own expert. Rather than hand over your money to strangers and hope they know what they are doing, take control of your financial future by making decisions in your best interest. Nobody cares about your money more than you do. Become an investor before you invest. Invest in becoming a professional investor.


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