United Healthcare Bails on Obamacare

Nancy Pelosi, call holding on line 3.  There are other healthcare providers that are likely to bow out of Obamacare in 2017.

UnitedHealth pulls back on ObamaCare exchanges amid huge losses

FNC: The nation’s largest health insurer, fearing massive financial losses, announced Tuesday that it plans to pull back from ObamaCare in a big way and cut its participation in the program’s insurance exchanges to just a handful of states next year – in the latest sign of instability in the marketplace under the law.

UnitedHealth CEO Stephen Hemsley said the company expects losses from its exchange business to total more than $1 billion for this year and last.

Despite the company expanding to nearly three dozen state exchanges for this year, Hemsley said the company cannot continue to broadly serve the market created by the Affordable Care Act’s coverage expansion due partly to the higher risk that comes with its customers.

UnitedHealth Group Inc. said it now expects to lose $650 million this year on its exchange business, up from its previous projection for $525 million. The insurer lost $475 million in 2015, a spokesman said.

UnitedHealth has already decided to pull out of Arkansas, Georgia and Michigan in 2017, and Hemsley told analysts during a Tuesday morning conference call that his company will not carry financial exposure from the exchanges into 2017.

“We continue to remain an advocate for more stable and sustainable approaches to serving this market,” he said.

The state-based exchanges are a key element behind the Affordable Care Act’s push to expand insurance coverage. But insurers have struggled with higher-than-expected claims from that business.

A recent study by the Blue Cross Blue Shield Association detailed how many new customers nationwide under ObamaCare are higher-risk. It found new enrollees in individual health plans in 2014 and 2015 had higher rates of hypertension, diabetes, depression, coronary artery disease, HIV and Hepatitis C than those enrolled before ObamaCare.

On the heels of Tuesday’s announcement, Sen. Ben Sasse, R-Neb., said in a statement it’s a sign of “the President’s broken promise that families would have more choices under ObamaCare.”

The Kaiser Family Foundation, in an analysis on the prospect of United’s exit, said “the effect on insurer competition could be significant in some markets – particularly in rural areas and southern states” if it is not replaced.

In the most extreme scenario, “If United were to leave the exchange market overall, 1.8 million Marketplace enrollees would be left with two insurers, and another 1.1 million would be left with one insurer as a result of the withdrawal,” the analysis said.

UnitedHealth had moved slowly into the newly created market by participating in only four exchanges in their first year, 2014. But the company then expanded to two dozen exchanges last year and said in October it would add to that total. It currently participates in exchanges in 34 states and covers 795,000 people

A month after announcing its latest exchange expansion, UnitedHealth started voicing second thoughts. The insurer said in November that it would decide by the first half of this year whether to even participate in the market for 2017.

Insurers say they have struggled, in particular, with customers who have signed up for coverage outside regular enrollment windows and then dumped expensive claims on their books, a problem the government has said it would address.

A dozen nonprofit health insurance cooperatives created by the ACA to sell coverage on the exchanges have already folded, and the survivors all lost millions last year.

Other publicly traded insurers like Aetna have said that they have lost money on this business as well. But some companies, like Molina Healthcare, have said they have managed to turn a profit from the exchanges.

Analysts expect other insurers to also trim their exchange participation in 2017, especially if they continue to struggle with high costs.

A Time for Choosing

When Barack Obama came on the political scene, very few did their work to learn about him. It was not until he became the Democrat nominee that the fingers started working in open source to find the clues and evidence of Barack Obama and what his soon to be fully hidden history included.

Where are these people now and why do they refuse to understand the ‘Donald’? To know a man is to examine his history. It is out there ladies and gentlemen and yet you are being obstinate and stubborn due to being fashionable, being on the Trump train. Shame on you.

Flexible and softening? Trump was a huge exploiter of H1B visas…..Mar-a Lago come to mind?

Words matter, actions matter, deeds matter, history matters. Is your lack of action laziness, a false appearance of virtue and patriotism or just being star-struck?

The Fox debate hosted on March 3, 2016, Trump said the military will listen and obey me, when asked the question about waterboarding. This was in response to several military leaders and CIA personnel pushing back on some EIT’s. Waterboarding is now illegal. Frankly and personally I am for it, but there are other effective techniques for gaining intelligence with regard to interrogations.

Trump’s response echoes that of a fascist. In case you may think this is hyperbole, this interview is a must listen, you know as part of YOUR research for the sake of the future of our country.

Exactly, how much work are you willing to do for the future of your children and generations to come?

(note the date of the Vanity Fair interview)

Donald Trump’s ex-wife once said Trump kept a book of Hitler’s speeches by his bed

BusinessInsider: According to a 1990 Vanity Fair interview, Ivana Trump once told her lawyer Michael Kennedy that her husband, real-estate mogul Donald Trump, now a leading Republican presidential candidate, kept a book of Hitler’s speeches near his bed.

“Last April, perhaps in a surge of Czech nationalism, Ivana Trump told her lawyer Michael Kennedy that from time to time her husband reads a book of Hitler’s collected speeches, My New Order, which he keeps in a cabinet by his bed … Hitler’s speeches, from his earliest days up through the Phony War of 1939, reveal his extraordinary ability as a master propagandist,” Marie Brenner wrote.

Hitler was one of history’s most prolific orators, building a genocidal Nazi regime with speeches that bewitched audiences.

“He learned how to become a charismatic speaker, and people, for whatever reason, became enamored with him,” Professor Bruce Loebs, who has taught a class called the Rhetoric of Hitler and Churchill for the past 46 years at Idaho State University, told Business Insider earlier this year.

“People were most willing to follow him, because he seemed to have the right answers in a time of enormous economic upheaval.”

When Brenner asked Trump about how he came to possess Hitler’s speeches, “Trump hesitated” and then said, “Who told you that?”

“I don’t remember,” Brenner reportedly replied.

Trump then recalled, “Actually, it was my friend Marty Davis from Paramount who gave me a copy of ‘Mein Kampf,’ and he’s a Jew.”

Brenner added that Davis did acknowledge that he gave Trump a book about Hitler.

“But it was ‘My New Order,’ Hitler’s speeches, not ‘Mein Kampf,'” Davis reportedly said. “I thought he would find it interesting. I am his friend, but I’m not Jewish.”

After Trump and Brenner changed topics, Trump returned to the subject and reportedly said, “If, I had these speeches, and I am not saying that I do, I would never read them.”

In the Vanity Fair article, Ivana Trump told a friend that her husband’s cousin, John Walter “clicks his heels and says, ‘Heil Hitler,” when visiting Trump’s office.

****

We have come to know Alinsky tactics and the effectiveness……so can you be honest and list the number of times Trump applied Alinsky tactics in the debates? I lost count.

Obama Greased the System for Big Lobby/Money

Government Drags Us Back in Time – Because Cronies and Ideology Tell It To

Motley/RS: Government by ideological fantasy – at the expense of actual facts – is a terrible idea. So too is government of, by and for the donors. Far too often government regulators and bureaucrats ignore Reality – to tilt at ideological windmills. And WAY too often government becomes one giant stenographer for contributors – writing laws and regulations to accommodate their check-cutters’ every whim and wildest dream.

Thus does equal protection before the law – become special treatment for Friends of Government (FOG, if you will). Donors and dumb ideas are favored – at inordinate expense to the rest of us.

To wit: “green” “energy” (wind, solar, hydro, geothermal, ethanol) is neither green nor energy. It’s far worse for the environment than traditional energy sources – that actually produce, you know, affordable energy. Governments here and all around the world have spent hundreds of billions of dollars on this phony energy. It’s been a titanic failure – for decades.

Why has government continued to throw this copious coin out the window – to keep us locked into an uber-failed yesterday? Because their ideological fantasies trump Reality. Why else? Because donors get government money at dollars-on-the-pennies they donated. To wit: President Barack Obama and his Democrats threw $80 billion more at the fake “green energy” industry in the 2009 “Stimulus.” 80% of that money – went to Obama donors.

The more government gets involved – the less the private sector can advance. The more rapidly a sector is advancing – the bigger an impediment government is. Likely no sector is advancing more quickly than the Tech sector. Enter government.

The Obama Administration’s Federal Communications Commission (FCC) has already done egregious damage there. To appease their ridiculous fantasies – and huge donors. About a year ago the Commission’s three unelected Democrat bureaucrats decided to go all the way back in time to1934 landline telephone law – and unilaterally impose it on the Internet. Behold Internet Reclassification – so as to impose the ridiculous Network Neutrality.

The Obama Administration did it – because donors asked for it. Donors like Google. No one did more to get President Obama elected and reelected – than Google. Just about no company swapped staff with the Obama Administration at such prodigious numbers – than did Google.

And after Google greased the skids for Obama – Obama greased the skids for Google. Google spent nearly the entirety of the 2000s trying and failing to get Net Neutrality passed in Congress. Because it is government forcing Internet Service Providers (ISPs) to give uber-bandwidth-hogs like Google – unlimited free bandwidth. We the People didn’t want it – Congress couldn’t pass it. So Obama just issued a fiat – and gave it to them.

But the problem with buying support – is that the “supporters” rarely stay bought. Google is now channeling West Wing President Josiah Bartlet – “What’s next?” And most unfortunately, President Obama’s government stenographers have many, many responses to that request.

Here’s one: FCC Chairman Tom Wheeler has penned a defense of the next backwards-looking power grab – huge new backdoor mandates via television set-top-boxes. Which they have attempted to obfuscate – as a deregulation of set-top-boxes.

Set-top-boxes are the devices we lease from cable companies – to watch their television packages. Which we are doing to a lesser and lesser degree – as the marketplace has already created myriad ways for us to “cut the cord.” Meaning give up cable television – and the set-top-boxes – altogether.

The future (and increasingly the present) of television – isn’t boxes. It’s apps (and alternate hardware like Apple TV and Amazon Firestick). Netflix, Amazon Prime, Roku, Hulu and a host of other companies deliver you (via their apps) unlimited streaming TV and movie content – using only an Internet connection. No cable TV subscription required. And unlike programmed TV, you can watch whenever you want, wherever you want. So more and more people are cutting their cords.

Meanwhile, the government is yet again stuck in the past. The FCC is dubiously invoking a twenty-year-old law (and seriously, how unbelievably different was how we watched TV twenty-years ago?) – to “open” to competitors the collapsing set-top-box market. This is a terrible idea for a number of reasons.

It is just stupid from an evolutionary standpoint. This is like the government issuing mandates to “open” the horse-buggy industry – as Model T Fords are rolling with ever increasing frequency into our driveways and hearts. If you’re “helping” prop up yesterday’s technology – you aren’t helping.

This mandate forces cable companies to spend a LOT of money totally reconfiguring their networks – to accommodate the new boxes. A new configuration for each new box, most likely – because each box will most likely connect uniquely to each network. And cable companies have a LOT of proprietary information and content to protect – so they will have to spend EVEN MORE time and money reconfiguring so as to ensure its protection. For which we will inexorably pay in higher fees – on TV, and the other services cable companies provide (like Internet). All to make room for more devices – of which people want less.

And you will be trading the box lease – for the box purchase. Which requires more coin upfront. And unlike with the lease, when the next upgraded model comes out – you won’t get it for free. You will pay all over again. And given the rapid technological advancement – how often will that purchase have to happen again, and again, and…?

Think how quick is the smart phone tech turnover (which is a MUCH more intensive product). Where you just purchased the “latest” Google Android – only to almost immediately watch Google roll out the next Android. Does Google give you that next version for free? Of course not. Google won’t give you their latest set-top-box either.

Wait – Google wants to get into the going-out-of-business set-top-box business? You bet they do. So the Obama Administration is prepping to issue yet another fiat – to make Google’s wishes come true. Again.

Crony-infested and ideologically-blinded is no way to go through life, Son. It is also absolutely no way to run a government.

Wounded Warriors Project Investigation, Just Wow

I knew this three years ago but never knew the depths of the malfeasance. Imagine how much good the charity good deliver if egos and spending were guided and managed. The salaries at the top have always been outrageous.

Wounded Warrior Project Survey Video included in link

Action News Jax Investigates: Wounded Warrior Project under fire, accused of lavish spending on parties and salaries

JACKSONVILLE, Fla. —

On Tuesday, a CBS News investigation revealed lavish spending by a nationally recognized charity based in Jacksonville.

Wounded Warrior Project is under fire by former employees who say the group wastes millions in donor dollars on five-star hotels and booze.

“I’ll be damned if I let them drink away the hard earned spending of Americans,” Erick Millette told CBS News.

Action News Jax’s Catherine Varnum spoke with that whistleblower and he showed pictures of some of that lavish spending.

That evidence includes a video of a man identified as the CEO of Wounded Warrior Project, rappelling down the side of a five-star hotel during a conference paid for by the charity.

The whistle blower, who is a decorated veteran, told Action News Jax there were bar tabs of $2,500 dollars all paid for using money meant to help wounded veterans.

The television ads are well known: Veterans, heroes speaking on behalf of locally based Wounded Warrior Project, telling stories of wounded vets needing help.

“I was in a bad place. I was drinking myself to death. I was literally putting a gun in my mouth,” Millette said.

Millette served 2 tours in Iraq, earning a bronze star and Purple Heart. But the Army veteran also came home with a brain injury and PTSD. He turned to the Wounded Warrior Project for help.

“I thought it was the greatest thing. I really did,” Millette said.

After going on a retreat, he got a job as a spokesperson for Wounded Warrior Project, talking up the organization, even getting recognition from the president. But after two years, Millette quit.

“I started to notice just how the donor money was being spent and I became more uncomfortable,” Millette said.

He showed us pictures of a Mexican mariachi band brought in for a party. In one video, Millette said CEO Steven Nardizzi can be seen rappelling down side of the Broadmore hotel in Colorado during an all-expenses paid conference for employees.

Millette said despite living just miles away, he attended mandatory training at One Ocean in Atlantic Beach four separate times.

Catherine Varnum: “You live in Jacksonville?”

Millette: “I live in Jacksonville”

Varnum: “And they made you stay?”

Millette: “I was required to stay in a hotel on site,” Millette said.

Varnum: “Do you have any idea how much money is being spent on what you called the glitz and glamour versus going to warriors?

Millette: “No I don’t.”

“I think it’s an organization that’s saying one thing and doing another. I think they’re preying off the brave men and women who served this country,” Millette said.

Millette said he’s not speaking out as a disgruntled former employee but as a voice for so many others afraid to speak up about out of control spending.

“There’s a saying at Wounded Warrior Project, warriors call us, we don’t call warriors,” Millette said.

According to tax records obtained by CBS News, spending on conferences and meetings went from $1.7 million in 2010 to $26 million in 2014. That’s about the same amount of money the group spends on its combat stress recovery program.

Records on the organization’s own website show salaries for the top 12 employees totaled more than $2.7 million.

The group also posted on its Facebook page, saying in part, “Our salaries are consistent with industry standards and, rather than being excessive, have often fallen at the lower end of compensation paid at comparable organizations.”

According to Charity Navigator, which tracks charitable giving, Wounded Warrior Project spent 60 percent of its donations on veterans. Other veteran organizations average 90 percent. On Facebook, the group responded to several people who commented on their page, saying that number is false.

We reached out to Wounded Warrior Project and received the following statement:

“The CBS News piece had numerous factual errors and misrepresented the good work Wounded Warrior Project does on behalf of this nation’s injured veterans.

“Wounded Warrior Project leads the industry in transparency and reporting publicly our independently audited financial documents. Separate from our financials, we also make public all of our program information and impact metrics. These are readily available on our website for anyone to view.

“Based on our most recently independently audited financial statements, 80.6 percent of total expenditures went to provide 20 services and programs for Wounded Warriors and their families.

“Wounded Warrior Project is a Gold Standard Better Business Bureau accredited charity.

“We provide programs and services to more than 83,000 wounded veterans. Wounded Warrior Project works every day to ensure our programs meet the needs of our wounded veterans. We just launched our Warrior Care Network to help provide world-class mental health care for wounded veterans. Warrior Care Network represents a $100 million investment to ensure warriors struggling with the hidden wounds of war get the help they need. We will commit $500 million to our Independence Program and Long-Term Support Trust – two programs that directly help the most severely injured veterans.”

 

United Way was a Great Charity, Right?

Yes, but everything is subject to power and money. When it comes to your child, take extreme caution, ask questions, research and don’t trust anyone. That includes Bill Gates and Common Core. You are the real watchdog for your children, regardless of age, take comfort however, there are people doing great work on your behalf. Use these tools.

   <<— Big and scary

Parents: Don’t Listen to the United Way. Don’t Sign Away Your Child’s Data and Give Up a Constitutional Right to Privacy.

The Family Education Rights Privacy Act (FERPA) has been a stumbling block in accessing data in education reformer plans for many years.  According to the ed reform talking points, it is imperative that personally identifiable information be available so that all federal agencies, state educational agencies and third party researchers have access to this information ostensibly to ‘help your child’.   The request for information and the need for this information has been requested repeatedly by education reformers needing that data for company/agency existence.  The Departments of Education and Health and Human Services need that information as well in order to ‘help your child and your family’ reach the goals the government (not the parents) has indicated is success.

From a previous 2013 article on escholar, a company wanting to use data to track students:

 

*************************

Common Core and the revision of FERPA by the US Department of Education allows intensive data mining and sharing of student information to various federal agencies and private firms selected the the USDOEd.  The company eScholar is one education reform company eager and ready to data mine information on students.  From wsj.com and Education Data Companies Chosen, 08.13.2012:

 

New York state education officials Monday said they selected four companies to build a broad education database that will host students’ test scores, curriculum materials and education apps, paid for by up to $50 million in federal Race to the Top funds.

The state Education Department said that by fall 2013, school districts will be able to use one of the data systems created by either ConnectEDU, eScholar or Pearson PLC and its subsidiary Schoolnet.
The systems are supposed to store student test scores, student demographic information, curriculum materials, lesson plans and other items that teachers or parents can access. Companies will get paid, in part, based on how many school districts select their data system.

It’s financially lucrative for data mining companies to compile student data and advantageous for them to have start up funding provided by taxpayer money. eScholar has produced a video about “Bobby”, a hypothetical student the company is tracking.  From the eScholar website:

 

“Have you met Bobby yet?”

(access video here)

Meet Bobby, the newest member of the eScholar myTrack team. We think that educators have a lot of students like Bobby, students who have things that they want to do, but aren’t always sure how to get there. Check out the video to see how Bobby and his team of supporters use myTrack to help him reach his goals. What do you think? Do you have any students like Bobby?  

eScholar is a company that received federal stimulus dollars to track your child without your knowledge or permission.  Could such behavior and practice be considered not just data mining but stalking?

Should the tracking of student academic and non-academic information and sharing it with federal agencies and private organizations without parental/student knowledge/permission be allowed?  How is the difference in the dissemination of personal information about “Bobby” to others and monitoring “Bobby’s” computer usage via the relaxation of FERPA any different than the definition of how stalkers operate?

Here’s an example of what eScholar will gather on “Bobby” and why:

Enabling P-20 Data Warehousing

Today, a consensus has emerged amongst educators at all levels that there is a need to create an LDS that provides a comprehensive view of education from early childhood through postsecondary and beyond (P-20). This capability is essential to maximizing the effectiveness of our efforts to encourage every student to achieve his or her greatest potential. A key element of this LDS is a comprehensive data warehouse that supports the data requirements of the P-20 world. With the introduction of CDW-PS, which integrates with our eScholar Uniq-ID® products supporting unique identification and ID management of individuals from early childhood through postsecondary, eScholar now has a complete solution for a P-20 data warehouse. Thedata model for the CDW-PS product is specifically designed to integrate with the eScholar Complete Data Warehouse® for PK-12 product to create a comprehensive LDS of over 3,000 data elements encompassing student and teacher academic history from pre-K through higher education. This powerful combination enables SEAs to answer key P-20 questions through one software product solution. 

Should the tracking of student academic and non-academic information and sharing it with federal agencies and private organizations without parental/student knowledge/permission be allowed?  How is the difference in the dissemination of personal information about “Bobby” to others and monitoring “Bobby’s” computer usage via the relaxation of FERPA any different than the definition of how stalkers operate?

************************************

The United Way Salt Lake City (a private NGO) is making a pitch to parents to sign away their children’s right to privacy by agreeing to waive their FERPA protections so that the organization can ‘help’ their child and agencies can then determine the ‘right’ services for their children.  Apparently the Salt Lake City United Way just can’t do its job without parents giving their human capital information to federal agencies, NGOs like The United Way and third party researchers.   Unlike escholar, United Way is making a pitch directly to parents to give away a right that has been constitutionally provided.  The United Way is asking parents to provide active permission to data mine students.  It doesn’t give information on exactly where that information is directed and other than promises that it will make United Way’s partners jobs easier, there is no indication on who has access to this data.

From Emily Talmage in United Way to Parents: Give Us Your Gold:

To get around this law, United Way of Salt Lake City, which has recently partnered with an organization called “StriveTogether” – a subsidiary of KnowledgeWorks Foundation that has received millions from the Gates Foundation – is now encouraging parents to sign a form waiving their FERPA rights.

They’ve even put together a video to convince parents just how important it is that they give up their children’s personal information to just about any organization in the city that wants it – including the Salt Lake City Chamber of Commerce.

 

Here is The United Way’s video cajoling parents into giving their child’s data away.  It’s the same argument made by escholar, it’s because we want the best for your child.  Don’t fall for it.  It’s to have access to the dossier on your human capital.  Do a search on ‘United Way and FERPA’. The United Way is supportive of this administration’s educational reforms and ESSA and many United Way agencies are requesting parents give away their child’s constitutional right to privacy.