Talking Trash and Health Care Reform

There is an uproar in Gwinnett County, Georgia. We, as county residents, were informed by letter that there would be changes in how our trash is picked up from our homes. Where previously we could choose our trash hauler, we are now being assigned a trash hauler—based on the zone in which we live. Furthermore, instead of paying the new garbage hauling company directly, the costs of our trash pickup will be added to our property tax statements. “Ouch!” I just received the Notice of Taxes from the Gwinnett County Tax Commissioner.

I, along with most county residents, received the notice of the impending change early last month. A few days later my new rolling trash can was delivered to my driveway. After sitting several weeks on the side of my shed awaiting the predetermined date when my new hauler would begin servicing our family and our neighbors, it has now been placed into service and has functioned in its purpose a couple of times.

The mandated change determining who would be hauling our trash has not been embraced by all county residents. Instead, some have responded with a fervor not seen around Atlanta since Michael Vick’s dog fighting activity was exposed. Why the tumult? Is it because so many of us don’t like the new plan? Or, is it more about the difficulty we often have with change? Answering these questions not only exposes the driving force behind much of the outrage in the county, but it also exposes the reasons why some Americans cannot fathom embracing any significant health care reform.

Who is Defining What it Means to Be Pro-life?

What does it mean to be pro-life in the current health care debate? From my observation, most pro-lifers get the answer to this question wrong. We get it wrong because we are letting the wrong people tell us what it means to be pro-life.

For many, interjecting a pro-life stance into the American health care debate means refusing funding for abortions. Therefore, it is this one issue that propels many pro-lifers to reject any health care reform proposal. Yet, are these same pro-lifers taking the time to consider how health care reform intersects with fundamental tenets of what it means to be pro-life?

T. R. Reid, in his book, “The Healing of America,” shares a disturbing fact: “The American health care system ranks dead last [out of 23 countries in 2006 Commonwealth Fund study] when it comes to keeping newborns alive. Our rate of infant mortality is more than twice as high as

Same Carrier, Two Brokers, Differing Quotes

You may wonder how two brokers can go to the same insurance carrier and return with two different quotes for the same health insurance product. This is not uncommon.  You may assume that carriers are choosing to provide a better deal for one broker over another. Rather, this is a typical result when brokers provide the carrier with differing or incomplete information. 

The insurance carriers will provide quotes based on the information they receive. Sometimes the information provided by one broker may be more complete or accurate than the information provided by another broker.  Once all information and

Why Are Medical Insurance Rates Higher for Churches? (Answer #3)

In a previous blog I shared the first two answers for why medical insurance rates are often higher for churches, ministries and non-profit organizations. This blog shares a third answer: 

Answer #3: Stress Leads to Poor Health 

Research has shown that stress can have a dramatic negative effect on our health. Stress affects our immune system, reducing our ability to ward off infection. Stress can lead to fatigue and cognitive dysfunction.  In the Learn 2 Live Stress Free Blog we find these statements: “Every day, science backs up the claims that over exposure to stressful environments and triggers lead to a rise in cardiovascular diseases, obesity, gastrointestinal illness, sleep disturbances, and other autoimmune ailments.  There have been even more studies revealing the mental and emotional by products of stress which include sadness,

Why Are Medical Insurance Rates Higher for Churches? (Answers #1 & #2)

“Why are insurance rates higher for churches?” This was the question I asked shortly after joining BIS Benefits, (BIS), as Operations Manager. I was had just made a career change from full-time Christian Ministry to working with a firm specializing in Employee Benefits.  Over 25% of our business at BIS is serving churches, ministries and non-profit organizations.  As I began to get my feet wet in the benefits arena, I discovered churches often have higher rates, (premiums), than many other industries or business classifications. This intrigued me. Why would churches have higher rates?

As I continued to grow in my understanding of employee benefits I learned that the rates set by the insurance carriers are determined by what is known as utilization. The insurance carriers are not the devil trying to wreak havoc on ministries—there are real reasons for inflated rates for Christian organizations. Insurers calculate group medical rates using factors that involve