Tag Archives: Finances

A Voice of Colorado No. 366 Version 5.0:

The recent announcement that President Donald J. Trump signed an executive order regarding health care in the United States of America was met with praise and criticism, condemnation and acclaim.

In his order he called for a plan that would allow employers to work together to offer coverage across state lines. An action that might work where the United States Congress failed regarding the skyrocketing costs of healthcare in America.

Despite the decision to circumvent Congress the President noted that he still holds expectations that the Congress can take action to repeal the healthcare law.

In the executive order there are requests to provide alternative to expensive ObamaCare plans to encourage competition, which should bring down costs.

Supporters of the executive order include Kentucky Senator Rand Paul who described the action as the biggest reform of healthcare in a generation. But his praise came with a caveat: If it works, it will allow millions to purchase health insurance across state lines at a lower cost.

The use of the word “If” provides cause for pause, and based on the failure of elected officials to resolve this matter the use of the word does not implied nor encourage support.

An examination of the specifics provided also gives reason for concern: Association Health Plans, which would allow employers to form groups across state lines to purchase plans and offer coverage, do not discuss the cost of the individual healthcare plan.

Additionally, it is unlikely this executive order will reverse the trend of health insurance companies leaving state markets because they claim that they cannot make a profit in many markets. In 2018 roughly half of all the counties in the United States of America will have only one (Un)Affordable Healthcare insurer.

Critics of the executive order, which include medical associations, consumer groups, and some health insurance companies, have charged that the executive order could result in higher costs for the sick and could result in coverage gaps for healthy people who would purchase lower-premium coverage plans.

Additional criticism regards what is interpreted as regulation: Who would provide oversight for consumer protection. The proposal as written through the executive order, charge critics, could result in consumers having little or no recourse.

The response from The White House to the criticism is that the executive order was necessary to confront the unacceptable increases in the cost of healthcare under the (Un)Affordable Health Care Act, and noted that the executive order is not an end-all solution, implying that additional action on health care will be required in coming months.

Regardless, the cost of health care in the United States of America remains a concern that is affecting many other sectors of the overall economy. Until such time that elected officials and private sector executive realize this truth and fact executive orders and proposed legislation by politics mean nothing.


A Voice of Colorado No. 364 Version 5.0:

The predicament the Colorado Public Employees’ Retirement Association (P.E.R.A.) finds itself in financially is troubling, but what is more troubling is the effect it is having across the State of Colorado, owing to the failed financial management practices and policies of the John Hickenlooper administration and his predecessor, Bill Owens, which supported actions on the part of state lawmakers seven years ago – sweeping austerity measures to return P.E.R.A. to solid financial footing. It was a decision that failed to achieve the desired result.

In order to return P.E.R.A. to solvency many things may be required – including higher taxes wherever they can be inflicted.

Of course, much of the news media in Colorado has failed to report this likely reality.

A Voice of Colorado No. 360 Version 5.0:

In Grand Junction, CO. there is a proposal that may solve the health care insurance problem: The direct primary care practices.

Appleton Clinics, for example, offers primary care for a monthly fee which allows patients unlimited visits and does not require insurance.

The idea for a such facility is not new, having originated in the 1990s. Nor is it limited to Grand Junction. There are more than six hundred primary care practices in the United States of America, serving more than 250,000 people. In Grand Junction, CO., in addition to the Appleton Clinics, there is also the Trailhead Clinics.

Dr. Craig Gustafson established Appleton Clinics about three years ago after deciding that he was spending too much time filling out paperwork for insurance companies and not enough time on actual medicine. The business model seems to be working. He has hired more primary care doctors – there are currently five – as more patients have enrolled, and he sees upwards of fourteen patients in a given day.

Depending on the patient the monthly fee ranges from $69 to $89 a month, and has attracted a large variety of patients: Individuals who work for small employers, self-employed patients, and lower-income citizens.

Despite the modest monthly fee patients to the clinics many clients have what are known as “health shares”, provided by the Christian Health Ministries, which covers the cost of a hospital visit or other needs that may be considered outside the definition of primary care.

More than one patient at the clinic has expressed their pleasure with the clinic. A test that would have cost more than $1,700 through health insurance is available through Appleton Clinics for just $250.

With more than 700 facilities in 48 states the model continues to find success as the (Un)Affordable Health Care Act is becoming more problematic.

Despite its appeal and success some question its ability to grow and endure because there are not enough doctors at participating clinics and facilities to serve everyone in a given community.

Given the failure that the (Un)Affordable Health Care Act has become it seems this might be the next best thing for affordable health care.

A Voice of Colorado No. 356 Version 5.0:

It is a basic fact of finances: Introduce a new tax or increase an existing taxes and revenues, more often than not, will decrease. For example, paid parking at the Cherry Creek Shopping Center, in Denver, CO., which went into effect mid-January 2017. From January to July of 2017 Denver experienced a drop in sales tax dollars of $678,096. A decrease which can be attributed to paid parking at the upscale shopping center.

A Voice of Colorado No. 352 Version 5.0:

The Loveland, CO. City Council recently passed its 2018 budget. Included in the budget is an increase for residents of Loveland, who will pay approximately $3.09 per month more for about 700 kilowatt-hours to help fund an increase in health insurance for city employees.

Once more the (Un)Affordable Health Care Act affects matters economical and financial, contrary to lies perpetuate by politicians and members of the news media alike.

A Voice of Colorado No. 350 Version 5.0:

With the closure of U.S. Highway 34 between Loveland, CO. and Estes Park, CO. to allow for completion of road work required following the flood in 2013 it is appropriate to promote local businesses as part of an ongoing project originated here called “Coloradans for Colorado”.

It is appropriate to suggest that if a Coloradan went to a Colorado business and showed their Colorado Driver’s License the business owner would show their appreciation for the patronage by offering a discount of anywhere from five percent to twenty-five percent.

Such a decision should be made at the sole discretion of the business. Regardless, supporting Colorado businesses is good business.

Take time to visit Loveland, CO. and travel to west to where U.S. Highway 34 is closed presently. Find there The Dam Store, which has been family owned and operated since 1969. It offers a variety of items for visitors and locals alike, including gifts, jewelry, and t-shirts.

For more information:

10103 U.S. 34
Loveland, CO.

A Voice of Colorado No. 344 Version 5.0:

A new statewide system that manages Medicaid reimbursement, an example of the (Un)Affordable Health Care Act, is affecting Western Slope health care providers in a way no one should have to tolerate: Hundreds of thousands, if not millions, of dollars in claims have been denied since a defective system was established in March 2017.

At Grand Junction’s Community Hospital, for example, more than five million dollars in Medicaid claims have gone unpaid because of the failed system. The hospital is large enough to offset the shortfall incurred, but problems are resulting as the debt remains: Payroll cannot be met, reducing the number of staff available for patients. Those who are working are experience a dramatic increase in their workloads. The same is true for smaller facilities in the area who are also spending a growing number of hours on the telephone trying to get claims accepted instead of denied.

According to system administrators causes for the ensuing problems include providers having to re-enroll in the Medicaid system and a change in codes that contributed to rejections of claims submitted. In Montrose, CO. more than half of the patients at the Pediatric Associates LLC are on Medicaid and the practice has more than one hundred thousand dollars in denied claims. An expense that does not nothing to make their services viable.

According to several politicians the system will eventually work. For now, the (Un)Affordable Health Care remains what it is: A mess; a shining example of why government should not be involved in health care.