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Speaker 1: So we got a couple of things we want to

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Speaker 1: talk with our healthcare expert, Craig. We've been having on

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Speaker 1: for many, many years, including we're going to get to

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Speaker 1: I actually had a discussion with him as he's a lawyer,

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Speaker 1: like what things should you tell your doctor or shouldn't

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Speaker 1: tell your doctor?

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Speaker 2: Which is an you just.

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Speaker 3: Gotta tell him everything. Jack, You certainly you would think.

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Speaker 1: That that's a good idea and probably is the best

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Speaker 1: idea for your health. It is not the best idea

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Speaker 1: for the next time you apply for life insurance or

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Speaker 1: maybe something with the DMV or a.

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Speaker 2: Variety of things, which is not a good system.

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Speaker 1: We don't want a system where you're not being honest

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Speaker 1: with your doctor because you're not going to get good results.

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Speaker 1: But let's live in reality and we'll talk to Craig

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Speaker 1: about that coming up in a few minutes.

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Speaker 3: You're probably thinking, what about HIPPA the privacy stuff. Yeah,

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Speaker 3: exactly what we're going to talk about. So Craig Gottwaals,

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Speaker 3: Craig the healthcare guru, joins us. He's an attorney, a

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Speaker 3: law and benefit consultant with Benefit Revolution, and a good

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Speaker 3: friend as well.

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Speaker 2: Craig, how are you I am well finded, sir as,

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Speaker 2: how are we are? Kick ass? Thank you?

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Speaker 3: So we wanted to have you on for a couple

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Speaker 3: of things. Number one the thing we just mentioned. But

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Speaker 3: first we just thought it was time to have you

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Speaker 3: on again to re explain to help people new listeners

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Speaker 3: perhaps understand what a scam government healthcare and the accounting

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Speaker 3: and legislation behind it is, how dishonest it all is.

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Speaker 2: Are you up for that?

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Speaker 4: Oh? Absolutely, I'm always up for that one, Joe, all right,

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Speaker 4: So talk to us. We passed Medicare and Medicaid in

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Speaker 4: nineteen sixty five in this country. Medicare covers the oldsters.

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Speaker 4: Medicaid covers our lowest income amongst us. So the first

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Speaker 4: point with respect to these programs is how mission creep

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Speaker 4: is so fantastic within government programs. When Medicaid again low

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Speaker 4: income in California, we happen to call it medi coal,

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Speaker 4: which is kind of a complicated, weird way of you know,

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Speaker 4: it makes it weird, But it was designed to cover

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Speaker 4: the lowest two percent of wage earners in the country.

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Speaker 4: Today it covers forty percent of all babies born in

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Speaker 4: about one third of all people in the country, and

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Speaker 4: at least in blue states a little bit less than

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Speaker 4: that in red state.

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Speaker 1: God, and that is so classic from that book of

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Speaker 1: the high cost of good intentions. I mean, because you

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Speaker 1: can convince voters that the bottom two percent of let's

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Speaker 1: help them out. I mean, come on, it could happen

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Speaker 1: to anybody. Blah blah blah blah. Next thing you know,

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Speaker 1: damn near half of babies are covered by it.

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Speaker 4: That's right. And if you guys read the hippo article

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Speaker 4: that I had published this week, and the high cost

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Speaker 4: of good intentions is another way of what one of

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Speaker 4: my law professors used to ironically say, is no good

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Speaker 4: deed goes unpunishing. Right now, medicare, interestingly, and so both

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Speaker 4: of these programs systematically underpaid doctors. I mean, when you

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Speaker 4: when you add this many bodies to a program that

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Speaker 4: was only designed to cover two percent of the population

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Speaker 4: and now it covers. In the case of Medicaid, you

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Speaker 4: you have to cut costs somewhere, right, And we know

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Speaker 4: the one place government doesn't cut cost is on administration.

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Speaker 4: In fact, we know it's highly highly ineffective in that matter,

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Speaker 4: fun stack for you there, hospital administ So we've basically

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Speaker 4: doubled the number of doctors in our country since nineteen seventy.

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Speaker 4: But if you look at medical administration, primarily hospital administration,

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Speaker 4: that's up three thousand percent.

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Speaker 1: Wow, oh my god, just like schools and everything else.

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Speaker 4: Just like schools, that's right. And in that if you

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Speaker 4: look at just look at inflation in the economy since

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Speaker 4: two thousand, from two thousand to now, hospital services are

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Speaker 4: up the most at two hundred and forty percent. People

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Speaker 4: always ask me, well, what's college tuition, Well that's only

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Speaker 4: one hundred and seventy percent.

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Speaker 2: Yeah.

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Speaker 3: Yeah, Well, I don't mean to derail you in case

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Speaker 3: you have a carefully laid out plan for how we're

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Speaker 3: going to get there. But you mentioned that the doctors

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Speaker 3: are like ridiculously underpaid by Medicare. How does that even out?

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Speaker 3: How do doctors and hospital stay in business?

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Speaker 4: Yeah, So this has been going on since roughly the

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Speaker 4: mid nineties. This has been a big problem where the

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Speaker 4: amount that Medicare pays each year and Medicaid for the

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Speaker 4: most part, the amount that they pay more each year

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Speaker 4: only goes up by about one percent. And right around

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Speaker 4: the mid nineties that became a problem where you know,

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Speaker 4: some of the higher cost facilities, some of your more

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Speaker 4: premium hospitals, for example, they it wasn't even necessarily covering

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Speaker 4: their costs. So what has to happen then in the

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Speaker 4: system is these hospitals when they go into the big

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Speaker 4: negotiations with the big four or five national medical carriers,

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Speaker 4: they have to negotiate higher reimbursements for these same procedures

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Speaker 4: just in order to keep their doors open, because Medicare

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Speaker 4: and Medicaid increasingly don't pay what the actual costs are.

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Speaker 4: So we've ended up with a system where nationally, if

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Speaker 4: you were to have an elective surgery, it would cost

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Speaker 4: you X at your you know, within your Medicare or

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Speaker 4: we call it Medicare system, it would cost you X.

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Speaker 4: That has to be about two hundred and fifty percent

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Speaker 4: of X through your private insurer, just so that hospitals

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Speaker 4: can stay afloat. So, in other words, all of us

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Speaker 4: that have private healthcare insurance are paying a tax roughly

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Speaker 4: two and a half times the cost of what Medicare

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Speaker 4: and Medicaid pay, just in order to keep.

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Speaker 2: The facilities afloat.

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Speaker 4: And in the industry we know this is a hidden

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Speaker 4: tax or a hidden cost shift associated with the fact

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Speaker 4: that Medicare systematically and Medicaid systematically underpay facilities.

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Speaker 3: So it is quite directly a tax. It's a transfer

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Speaker 3: of wealth. So I think people need a hidden tax, need.

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Speaker 2: To understand that.

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Speaker 3: And then the utter dishonesty of Congress and their budgeting

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Speaker 3: for it. That fascinated me the first time you brought

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Speaker 3: that up.

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Speaker 4: Yeah, Joe, you're so good. You remember these things ten

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Speaker 4: years ago. So like when you pass something like Obamacare

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Speaker 4: had this in it. For example, it's they always Congress

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Speaker 4: in order to when they were pricing Obamacare, it was

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Speaker 4: coming in one in a quarter one and a half

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Speaker 4: trillion dollars overall ballpark. When the CBO was scoring it

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Speaker 4: and the congressional bodies people that wanted to pass Obamacare,

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Speaker 4: they knew that it's going to be very hard for

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Speaker 4: us to pass this if, in fact, it's more than

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Speaker 4: a trillion dollars. So we got to get the scorecard

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Speaker 4: on Obamacare down under a trillion. Well, one of the

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Speaker 4: ways they do that systematically is they write into Obamacare,

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Speaker 4: and they did. They wrote in that. You know, one

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Speaker 4: of the ways we're going to save money with this

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Speaker 4: law is starting in twenty fourteen, four years out, we're

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Speaker 4: going to start reducing what Medicare pays doctors by one

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Speaker 4: percent per year until such point that you get the

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Speaker 4: overall price tag of Obamacare to look like it's going

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Speaker 4: to be less than a trillion dollars, which is exactly

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Speaker 4: what they did. They passed Obamacare, and then, of course

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Speaker 4: when twenty four team rolled around four years later, they

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Speaker 4: repealed the provision that said they were going to reduce

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Speaker 4: what's paid in Medicare and Medicaid, because of course if

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Speaker 4: you try to actually cut that, no oldsters or low

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Speaker 4: income folks would get any healthcare whatsoever. And then the

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Speaker 4: price tag of Obamacare shoots up to two trillion dollars.

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Speaker 4: It doubles, and they it's not just done in Obamacare.

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Speaker 4: This has been done in a handful of major legislation

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Speaker 4: related to healthcare over the past twenty years.

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Speaker 3: So they claim will be cutting costs in the future,

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Speaker 3: but when the future comes they always put it off.

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Speaker 3: That's right, utterly dishonest. Craig Gotwall's the healthcare guru is

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Speaker 3: on the line.

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Speaker 2: Go ahead.

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Speaker 4: Oh, and then so when the CBO scores it, of

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Speaker 4: course they just have to score. They're just you know,

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Speaker 4: they're just actuaries and accountants. They simply have to score

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Speaker 4: what's written in the bill, and the bill was written

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Speaker 4: that Medicare and Medicaid were going to get cut even further.

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Speaker 4: So of course, you know, they scored it as under

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Speaker 4: a trillion, and then quickly it doubled.

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Speaker 3: Right, And then the final point is that as this

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Speaker 3: you know, accounting trickery and terribly low payments to medical

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Speaker 3: facilities continues, are fewer and fewer doctors who are willing

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Speaker 3: to see these patients.

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Speaker 4: Yeah, that's right. In fact in Blue states because because

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Speaker 4: Blue states have expanded Medicaid the low income fortion as

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Speaker 4: far as they lawfully can, you're in a situation now

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Speaker 4: where roughly half of doctors won't even take a Medicaid patient.

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Speaker 4: And it's something like ten to twenty percent of doctors

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Speaker 4: won't take a new Medicare patient again because of the

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Speaker 4: fact that it systematically pays you much less than the

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Speaker 4: private corporate plans. And the bigger problem that we've mentioned

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Speaker 4: on this show before is if you're in California, for example,

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Speaker 4: and this is true across all Blue states, seventy one

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Speaker 4: percent of all healthcare expenses are paid by the taxpayer.

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Speaker 4: Now in Blue.

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Speaker 1: States, so damn near three quarters yep as already government

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Speaker 1: healthcare tax start scare.

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Speaker 2: Yeah. Yeah.

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Speaker 1: So it's weird that we even have this argument over

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Speaker 1: whether or not we're going to go down the road

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Speaker 1: of socialized healthcare because three quarters of the way there,

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Speaker 1: at least in Galabi.

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Speaker 3: That's one of the main reasons, sorry to interrupt this,

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Speaker 3: one of the main reasons the country is going into

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Speaker 3: such incredible debt is paying for this dishonest budgeting trickery anyway.

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Speaker 4: Well, and I would even argue at this point, Jack,

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Speaker 4: we have a socialized system because I've been full time

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Speaker 4: doing nothing but this and negotiating with these massive carriers

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Speaker 4: for twenty two years. And let me just share this

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Speaker 4: statistic with you two thousand and nine before Obamacare passed.

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Speaker 4: Since from two thousand and nine to today, the S

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Speaker 4: and P five hundred is up four hundred and twenty

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Speaker 4: two percent. The stock prices on the five largest medical

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Speaker 4: insurers is up one nine and twenty one percent.

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Speaker 5: Wow.

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Speaker 4: And so, in other words, they're all in it together, folks.

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Speaker 4: Healthcare is the number one employer in the United States,

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Speaker 4: number one private employer, and it's the number one lobby

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Speaker 4: in the United States, spending seven hundred million annually. The

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Speaker 4: government and the large insurers are all in bed together

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Speaker 4: on this thing.

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Speaker 1: It doesn't seem like that would please anybody, though lefties

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Speaker 1: like Bernie Sanders crowd or the Rand Paul crowd, it

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Speaker 1: doesn't seem like anybody would be happy with that.

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Speaker 4: Well, Jack, you just committed a huge sin that you

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Speaker 4: guys rail against all the time. You assume that Bernie

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Speaker 4: represents the Democratic Party and that Rand represents the Republican Party,

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Speaker 4: and you know darn well they are the outliers on

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Speaker 4: both ends.

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Speaker 2: Yeah, that's truels, dirty rebels.

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Speaker 4: Eight percent in the middle of the republic cracks love

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Speaker 4: this because they are lining their pockets with this.

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Speaker 1: So I had a conversation with Craig over the last

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Speaker 1: couple of weeks about what you should or should not

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Speaker 1: tell your doctor, And it seems like on the face

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Speaker 1: of it, you'd want to be honest with your doctor,

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Speaker 1: but there's some stuff that can end up in your

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Speaker 1: permanent record, just like when you're in second grade, it's

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Speaker 1: going to go on your permanent record.

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Speaker 2: Talking to Craig got palls the healthcare guru. So the

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Speaker 2: topic is what.

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Speaker 1: You should or shouldn't tell your doctor so I would

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Speaker 1: say this, and I certainly don't want to get you

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Speaker 1: in trouble, Craig, but I don't want to have anybody

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Speaker 1: out there not being honest with the doctor and ends

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Speaker 1: up killing them or making them sick or something like that.

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Speaker 1: So I'll look at it this way, because I've had

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Speaker 1: this experience. You should be aware that some things you

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Speaker 1: tell your doctor will get out to say insurance companies

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Speaker 1: can happen with DMVs that could come back to haunt you,

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Speaker 1: and you might think, well, how would that information get

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Speaker 1: out with the hippo violations of our boss had a

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Speaker 1: major health thing happened in his life and nobody knew

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Speaker 1: it around here. So somebody you work with on a

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Speaker 1: regular basis, you can't reach out to them and say hey, okay,

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Speaker 1: or hey anything I can do to help because they

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Speaker 1: aren't allowed to tell you because a HIPPA. But something

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Speaker 1: you tell your doctor in the privacy of that office

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Speaker 1: could leak out and have an effect on your life

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Speaker 1: insurance or the DMV in the future. Craig, explain how

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Speaker 1: that could happen.

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Speaker 4: Oh, Jack, you just you threw me two different topics

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Speaker 4: here that are related but so complicated. Okay, so let's

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Speaker 4: just take the doctor's office visit. I'm just going to

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Speaker 4: tell you what the law is. I will not get

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Speaker 4: into discussing what people should and shouldn't tell their doctors, because,

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Speaker 4: as you said, people should always be help honest with

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Speaker 4: their healthcare provider and get the help they need.

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Speaker 2: I'm not and I won't be there, but you should.

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Speaker 4: So when you go into a doctor's office, and if

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Speaker 4: you are to tell your doctor things that could make

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Speaker 4: it such that you could be a danger on the road.

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Speaker 4: For example, you're having some kind of mental impairment, maybe

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Speaker 4: you've blacked out, maybe you've you've had seizures, et cetera.

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Speaker 2: If there's my uncontrollable rage.

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Speaker 4: Yeah right, it's like it's trets, like cussing and rage.

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Speaker 4: If you disclose these things to a medical professional. In

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Speaker 4: twelve of our fifty states, California and Nevada being two

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Speaker 4: of those twelve as an example, the healthcare provider is

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Speaker 4: required to report that information over to the Department of

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Speaker 4: Motor Vehicles. And if they don't report that information and

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Speaker 4: you kill somebody on the road and the investigation reveals

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Speaker 4: their last healthcare visit with you, and that information is

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Speaker 4: in the medical file that healthcare provider is liable.

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Speaker 1: Now, to make it clear, I don't want somebody who's

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Speaker 1: having regular seizures driving either. But if you had kind

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Speaker 1: of like an iffy situation, you're not sure what it was,

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Speaker 1: and it was a one off because of some weird circumstances,

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Speaker 1: you know why your driver's license taken away?

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Speaker 4: No, no, you don't. And this is where you know

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Speaker 4: I have I have good friends and colleagues who are

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Speaker 4: doctors and administrators of hospitals, and so what I can

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Speaker 4: tell you on this topic is a good doctor, especially

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Speaker 4: a doctor with whom you have a relationship, they really

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Speaker 4: don't want to have to make this report because this

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Speaker 4: is a lot of paperwork. It is a very time consuming.

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Speaker 4: You get sucked into the bureaucratic a mass of these

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Speaker 4: of these entities working together. And then of course, this

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Speaker 4: particular doctor I spoke with said and Craig, I don't

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Speaker 4: want to do it because I don't want this person

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Speaker 4: coming back with a gun and shooting out my workplace,

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Speaker 4: because hey, I get it, if we have to report this,

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Speaker 4: we could very well be ruining their life.

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Speaker 2: See.

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Speaker 1: I don't want to phrase this wrong way because I'm

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Speaker 1: not trying to encourage people not to be honest with

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Speaker 1: their doctors.

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Speaker 3: Remember I almost went to law school, Jack, May I

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Speaker 3: take a shot at it?

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Speaker 2: Sure?

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Speaker 1: Well, I'm thinking about the morality of it versus the

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Speaker 1: legality of it. But you're do you think about the

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Speaker 1: legality of it?

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Speaker 5: Well?

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Speaker 3: No, you almost became a theologian, So I'll let you

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Speaker 3: head it. I will tell you that Craig Gotwols is

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Speaker 3: our guest. Craig's the healthcare guru, attorney of law, benefit consultant.

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Speaker 3: Benefit revolution could follow on Twitter, et cetera, et cetera,

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Speaker 3: and a good guy to talk to if you need

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Speaker 3: benefits for your company.

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Speaker 1: I guess the way to state it is don't think

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Speaker 1: what you tell your doctors just between you and your doctor.

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Speaker 2: It absolutely is not.

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Speaker 1: Now I have had that experience and I don't want to,

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Speaker 1: for a variety of reasons explain what it was. But

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Speaker 1: it was just like a one off comment to an

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Speaker 1: urgent care doctor one time. Then this is many years ago.

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Speaker 1: Then when I went to get life insurance, that showed up.

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Speaker 1: Couldn't get life insurance? What what that was?

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Speaker 2: A nothing? Are you kidding? And that happens a lot

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Speaker 2: so Craig, How does.

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Speaker 1: This information with all the HIPPO laws end up getting

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Speaker 1: out there and is there anything we can do about it?

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Speaker 4: I want to be careful on that. So again, if

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Speaker 4: you have if you say something that could be an

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Speaker 4: exception to HIPPA, which would be a safety health and

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Speaker 4: safety of them passing out at the wheel, drunk driving,

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Speaker 4: that kind of thing, that very well can leak to

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Speaker 4: the DMB, which then makes it a public record effectively,

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Speaker 4: and that's going to be out there in your medical

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Speaker 4: file when insurance looks at it in the future. But

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Speaker 4: what I honestly think the bigger problem is is that

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Speaker 4: when your employer goes to get health insurance, all of

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Speaker 4: the carriers bidding on the health insurance are not bound

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Speaker 4: by HIPPA at that time in the same way that

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Speaker 4: your carrier is bound by HIPPA. So what they've learned

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Speaker 4: to do over the last ten years is rely on

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Speaker 4: consumer data brokers and these health adsators that go out

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Speaker 4: onto the Internet and scour every single imaginable grain of

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Speaker 4: sand about each and every one of us with respect

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Speaker 4: to health. Again, remember, healthcare is the number one employer

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Speaker 4: and the number one lobby in the United States. So

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Speaker 4: there's tons of money in this, and they really want

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Speaker 4: to know, for example, if you have an employee with

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Speaker 4: hemothelia or HIV or any other very expensive disease. So

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Speaker 4: what these health aggregators are doing is they're relying upon

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Speaker 4: social media, they're relying upon hacks, leaks, public records like divorces, lawsuits,

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Speaker 4: earth records, police reports, and they're pulling in all of

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Speaker 4: this data and they have a file on each and

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Speaker 4: every one of us. And then when when the bidding

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Speaker 4: carrier comes to quote on your employer's business, they take

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Speaker 4: the census of names and all your dependents because they

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Speaker 4: won't quote without your name and your dependence name now,

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Speaker 4: and they run that list of names through these health

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Speaker 4: broker databases and they get back very specific information like, Okay,

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Speaker 4: in this group of five hundred people, you're likely to

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Speaker 4: have seven hivs, three hemothliacs, and two part yeah exactly.

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Speaker 4: So this information's out there. It's leaked because of basically

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Speaker 4: a loophole built within HIPPA that doesn't protect you on

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Speaker 4: this line, because again they're getting it from public, public places.

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Speaker 4: And where it gets really insidious is again an old

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Speaker 4: Armstrong and getty adage. Remember if you're using a free service,

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Speaker 4: it's because you are the product. So where do many

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Speaker 4: of us communicate online other than social media? Maybe with

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Speaker 4: a free email service. So I spent a couple hours

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Speaker 4: last night actually reading the two most popular email services

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Speaker 4: privacy statements.

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Speaker 2: Well you've got to be a lawyer to want to

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Speaker 2: do that.

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Speaker 4: Well I didn't really want to do it, but I

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Speaker 4: forced myself to do it. And let me just tell

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Speaker 4: you it's a PhD level course and how to circumvent

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Speaker 4: how to write something that sounds like it's private but

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Speaker 4: is really just wide open out there, folks. I mean,

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Speaker 4: they are littered with things that say things like we

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Speaker 4: reserve the right to share your information with trusted partners

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Speaker 4: or affiliates.

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Speaker 2: And you're talking about Yahoo, Male and Gmail.

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Speaker 4: I'm not naming anybody, but yeah, talking about these free

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Speaker 4: email services. Yeah, those are the two.

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Speaker 1: I read frankly, and so like that, actually, content of

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Speaker 1: your emails is not private.

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Speaker 4: Well I would just say I would encourage people to

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Speaker 4: go read those documents and then and decide for themselves

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Speaker 4: whether they think it's private. I think there are so

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Speaker 4: many loopholes in there that I think I think a

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Speaker 4: lot of it's not private. Frankly, wow, let's say you

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Speaker 4: click on an ad within what let's there's just so

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Speaker 4: many examples in those in those statements that make it

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Speaker 4: pretty clear that, like, for example, here's one example that's

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Speaker 4: easy to follow. They'll say clearly they have to share

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Speaker 4: your information with all of their subsidiaries and affiliates that

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Speaker 4: help them store, analyze, and transmit your information. So now

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Speaker 4: let's say you're sending private health information to a doctor

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Speaker 4: via your email. Well, even if they weren't going to

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Speaker 4: quote sell that information out of your email directly, any

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Speaker 4: one of their supply chain, any one of the data

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Speaker 4: centers or transmission facilities they're using to send that email.

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Speaker 4: If there's a leak or if one of those entities

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Speaker 4: unscrupulously wants to sell your data, it's out there.

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Speaker 2: It's gone.

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Speaker 3: I'm telling you, privacy is dead and gone, buried, mourned.

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Speaker 3: Its great grandchild is in its sixties. I mean, it's

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Speaker 3: just over. Yeah right, Gottwaals Craig, the healthcare guru, is

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Speaker 3: on the line. I don't I just don't know what

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Speaker 3: to do anymore. Our former producer Vince would say, there's

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Speaker 3: no privacy anymore.

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Speaker 2: Get over it.

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Speaker 4: I think Vince is right. Really, I hate to tell

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Speaker 4: you that, folks, but I think Vince is right. It's

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Speaker 4: one of the paragraphs in one of these statements said

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Speaker 4: went through a long lift of trusted partners with whom

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Speaker 4: they may share your data for various legitimate reasons in

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Speaker 4: their mind. And then they said, and by the way,

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Speaker 4: these reports may include aggregate or pseudoname information. Well that

402
00:20:09,960 --> 00:20:12,440
Speaker 4: was a that was a PhD level course and spin

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Speaker 4: because it said we may include aggregate or pseudonym information.

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Speaker 4: But nowhere in the document did it say it won't

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Speaker 4: include personalized information. You see how they they throw in

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Speaker 4: these other terms to make you conclude that it's probably

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Speaker 4: going to be scrubbed free of identifiers, But nowhere does

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Speaker 4: it specifically say we must scrub them free of identifiers.

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Speaker 4: So I do believe this information is leaking out, maybe

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Speaker 4: through subsidiaries, maybe directly. I spoke with an IT expert

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Speaker 4: last night, a very very high level person, who said, look,

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Speaker 4: your IP address at your home is they know who

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Speaker 4: lives there? Right, So you're unless you're running a VPN,

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Speaker 4: your clicks are very likely being either stolen or sold

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Speaker 4: on the open Internet. So let's say you have a

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Speaker 4: house guest who looks up hemophilia drugs that you're at

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Speaker 4: your home, there very well could be a record put

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Speaker 4: out to one of these unscrupulous data brokers that says, hey,

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Speaker 4: this address might have a concern with hemophilia. And I

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Speaker 4: keep using that expect term guys, because the drugs to

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Speaker 4: treat hemophilia are often a million dollars a year just

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Speaker 4: on that alone.

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Speaker 1: So business would have a great reason to want to

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Speaker 1: know they're hiring somebody that would cost them them.

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Speaker 4: So the largest government complex in our country, the government

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Speaker 4: healthcare complex, which I believe really Trump's, the government industrial,

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Speaker 4: weaponized military complex, has a massive interest in knowing who

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Speaker 4: has what malady and how much they can charge for that.

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Speaker 2: Wow, that's crazy.

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Speaker 1: That is really crazy, and it could be you can

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Speaker 1: think about this in terms of you. You could also

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Speaker 1: think that about this in terms of your kid's health

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Speaker 1: and stuff that is out there and on their permanent

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Speaker 1: record as they go out into the world.

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Speaker 4: Kids are worse because kids are on social media. I mean,

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Speaker 4: see one of the ways that's easy to get your

437
00:21:53,200 --> 00:21:54,800
Speaker 4: head around, is it like, let's say you join a

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Speaker 4: Facebook group on how to live with diabetes, or how

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Speaker 4: to live with heart disease. That's public done, that's gone.

440
00:22:00,320 --> 00:22:03,120
Speaker 4: You doubt you're now tagged with that in the data

441
00:22:03,119 --> 00:22:05,080
Speaker 4: brokers for the rest of your life. The toothpaste is

442
00:22:05,080 --> 00:22:05,800
Speaker 4: out of the tube.

443
00:22:07,320 --> 00:22:09,600
Speaker 1: Or depression is I actually had a doctor give me

444
00:22:09,600 --> 00:22:12,320
Speaker 1: the example the other day of a client who got

445
00:22:12,320 --> 00:22:14,960
Speaker 1: turned down for their health insurance because they had once

446
00:22:15,000 --> 00:22:17,760
Speaker 1: told their doctor they were depressed, and when into somebody

447
00:22:17,760 --> 00:22:19,800
Speaker 1: put it in their record and there showed up and

448
00:22:19,800 --> 00:22:21,479
Speaker 1: Life insureds like, well, we're not going to ensure you,

449
00:22:21,560 --> 00:22:23,240
Speaker 1: certainly not at this rate if you're depressed.

450
00:22:23,280 --> 00:22:25,719
Speaker 2: Not like what I guess I kind of remember that

451
00:22:25,760 --> 00:22:28,120
Speaker 2: from five years ago. But so that's that's the way

452
00:22:28,119 --> 00:22:28,800
Speaker 2: it can affect you.

453
00:22:29,960 --> 00:22:31,720
Speaker 4: Well, I would, I would honestly have to think a

454
00:22:31,720 --> 00:22:34,800
Speaker 4: little bit about that. I'm not entirely Life Insurance. I

455
00:22:34,840 --> 00:22:36,840
Speaker 4: see how that gets out. But what I would be

456
00:22:36,840 --> 00:22:40,520
Speaker 4: more concerned about is probably this person somewhere online put

457
00:22:40,560 --> 00:22:44,840
Speaker 4: out that they're depressed and really got wow, really sang.

458
00:22:44,720 --> 00:22:46,119
Speaker 2: I don't no kidding.

459
00:22:46,840 --> 00:22:49,600
Speaker 4: Yes, the protections that you have with your medical providers

460
00:22:49,680 --> 00:22:53,000
Speaker 4: are are much greater than those than these outside data

461
00:22:53,000 --> 00:22:55,439
Speaker 4: brokers who are just scraping the internet. So if I

462
00:22:55,480 --> 00:22:57,040
Speaker 4: were to just look at that on its face, I

463
00:22:57,040 --> 00:22:59,560
Speaker 4: would say I would be much more confident that information

464
00:22:59,680 --> 00:23:02,320
Speaker 4: got out through it. An it lea.

465
00:23:02,760 --> 00:23:05,919
Speaker 1: So you're saying my Facebook group, which is those of

466
00:23:05,960 --> 00:23:08,400
Speaker 1: us who on the weekends like to get drunk and

467
00:23:08,520 --> 00:23:11,560
Speaker 1: balance on wood chippers, I could have an effect on

468
00:23:11,600 --> 00:23:12,160
Speaker 1: my life.

469
00:23:12,000 --> 00:23:16,800
Speaker 4: Insurance, absolutely, Jack, no questions as.

470
00:23:16,560 --> 00:23:17,800
Speaker 2: Nobody's business but mine.

471
00:23:17,840 --> 00:23:24,000
Speaker 3: And I find the worrying to be relaxing, and I

472
00:23:24,200 --> 00:23:28,240
Speaker 3: just chipping wood relaxes man. So Craig, I just you

473
00:23:28,280 --> 00:23:32,320
Speaker 3: know your your IP address VPN thing sparked a couple

474
00:23:32,320 --> 00:23:34,639
Speaker 3: of thoughts in my head. I mean, if I have

475
00:23:35,359 --> 00:23:40,440
Speaker 3: some like, uh, golf buddy to visit and and he

476
00:23:40,600 --> 00:23:44,440
Speaker 3: uses either my laptop or just our our our system,

477
00:23:44,440 --> 00:23:49,200
Speaker 3: our network, he's like really into I don't know, some

478
00:23:49,600 --> 00:23:54,679
Speaker 3: bizarre sort of pornography farm farm yard porn or something

479
00:23:54,720 --> 00:23:59,040
Speaker 3: like that. Get better friends, well, right exactly. I choose

480
00:23:59,080 --> 00:24:00,000
Speaker 3: my guests more careful.

481
00:24:00,600 --> 00:24:06,880
Speaker 2: But I just would that is that no seeking.

482
00:24:06,680 --> 00:24:10,760
Speaker 4: Out, that's leaking out. You cannot assume you have privacy

483
00:24:10,760 --> 00:24:12,800
Speaker 4: on that. Again, I spoke with I can't. I can't

484
00:24:12,800 --> 00:24:14,680
Speaker 4: even name this person. They're so high level, they're a

485
00:24:14,760 --> 00:24:18,520
Speaker 4: federal contractor in this field, and he told me, you

486
00:24:18,760 --> 00:24:22,439
Speaker 4: absolutely must assume all of those clicks are associated with

487
00:24:22,480 --> 00:24:26,080
Speaker 4: your address. Absolutely, There's there's no way you can assume

488
00:24:26,119 --> 00:24:28,400
Speaker 4: that's safe, even if you're running Now, if you're running

489
00:24:28,400 --> 00:24:31,480
Speaker 4: a VPN, you have much more protection. But even if

490
00:24:31,520 --> 00:24:34,920
Speaker 4: you're running a VPN, depending on which VPN that even

491
00:24:34,960 --> 00:24:36,720
Speaker 4: that may not be entirely secure.

492
00:24:39,560 --> 00:24:40,479
Speaker 2: So I'll be damned.

493
00:24:40,760 --> 00:24:43,200
Speaker 1: There's no such thing as privacy anymore, is there. There's

494
00:24:43,200 --> 00:24:44,520
Speaker 1: just no such thing as privacy.

495
00:24:44,880 --> 00:24:46,640
Speaker 4: Well, think about this, what do I do for a living.

496
00:24:46,720 --> 00:24:50,600
Speaker 4: I'm constantly googling high priced drugs and treatments and therapies

497
00:24:50,600 --> 00:24:53,120
Speaker 4: because I'm managing that for my clients, and of course

498
00:24:53,160 --> 00:24:56,080
Speaker 4: I work at home a lot. So I I shuddered

499
00:24:56,080 --> 00:24:57,800
Speaker 4: to think at what these data brokers have on me

500
00:24:57,960 --> 00:25:00,840
Speaker 4: out there. Right, My address is probably a with every

501
00:25:00,920 --> 00:25:02,120
Speaker 4: known malady you can have.

502
00:25:02,520 --> 00:25:05,119
Speaker 1: Yeah, you're a you're a hemophiliac with stage four pancreatic

503
00:25:05,200 --> 00:25:06,760
Speaker 1: cancer as far as they know HIV.

504
00:25:07,480 --> 00:25:15,240
Speaker 3: Yeah, right, Well drink Craig Craig Gottwals Craig the healthcare guru. Craig,

505
00:25:15,280 --> 00:25:17,880
Speaker 3: It's always so thought provoking. Thanks for the time.

506
00:25:17,880 --> 00:25:19,280
Speaker 2: Today. Huh.

507
00:25:19,320 --> 00:25:21,720
Speaker 4: You're welcome, sir. And I know you guys will have

508
00:25:21,760 --> 00:25:23,679
Speaker 4: my article up so readers can can look at this

509
00:25:23,720 --> 00:25:26,359
Speaker 4: hip of stuff. It's unbelievable, but you got to like

510
00:25:26,520 --> 00:25:31,200
Speaker 4: register to read it once again, pre registration.

511
00:25:31,640 --> 00:25:36,360
Speaker 3: But yeah, okay, use your use your dummy email address everybody,

512
00:25:36,400 --> 00:25:37,280
Speaker 3: It'll be fine.

513
00:25:37,680 --> 00:25:39,679
Speaker 2: Yeah, no worries, right, thanks, great, you have all your

514
00:25:39,760 --> 00:25:41,160
Speaker 2: data anyway, Yeah, exactly.

515
00:25:41,240 --> 00:25:43,200
Speaker 3: Yeah, we'll have it at armstrong and getty dot com

516
00:25:43,240 --> 00:25:46,280
Speaker 3: under hot mics. Thanks again, get well soon.

517
00:25:50,400 --> 00:25:52,920
Speaker 2: Yeah, I don't I don't know how this is coming off.

518
00:25:53,000 --> 00:25:55,760
Speaker 1: Like I we got an email from one of our

519
00:25:56,840 --> 00:25:59,640
Speaker 1: cop listeners who doesn't like the idea of encouraging people

520
00:25:59,680 --> 00:26:02,200
Speaker 1: who are seizures behind the wheel to hide that from

521
00:26:02,200 --> 00:26:02,679
Speaker 1: their doctor.

522
00:26:02,920 --> 00:26:03,360
Speaker 4: Oh no.

523
00:26:03,520 --> 00:26:05,840
Speaker 1: Also, we also had an email from a truck driver

524
00:26:06,200 --> 00:26:08,919
Speaker 1: who had an experience who one time he had something

525
00:26:08,960 --> 00:26:10,439
Speaker 1: he doesn't know it was as a seizure or what.

526
00:26:10,800 --> 00:26:13,280
Speaker 1: It was, a one off like not enough sleep, too

527
00:26:13,359 --> 00:26:16,320
Speaker 1: much coffee, whatever, who caused it, caused one thing to

528
00:26:16,359 --> 00:26:18,960
Speaker 1: happen one time in his life years ago, years ago,

529
00:26:19,119 --> 00:26:22,520
Speaker 1: told his doctor about it, and and uh, and became

530
00:26:22,560 --> 00:26:25,200
Speaker 1: a big deal with the commercial driver license.

531
00:26:25,240 --> 00:26:27,760
Speaker 2: So yeah, I don't know.

532
00:26:29,280 --> 00:26:33,520
Speaker 5: Yeah, we should have a say, and I can understand

533
00:26:33,640 --> 00:26:37,120
Speaker 5: the motivation, like all, like so many things that get

534
00:26:37,160 --> 00:26:41,240
Speaker 5: out of hand, safety and liability being the motivation.

535
00:26:41,800 --> 00:26:43,480
Speaker 1: But god, we got to have an ability to be

536
00:26:43,560 --> 00:26:46,440
Speaker 1: like super honest with your doctor about stuff. Hey, doc,

537
00:26:46,560 --> 00:26:47,280
Speaker 1: is this something.

538
00:26:47,080 --> 00:26:47,800
Speaker 2: To be worried about?

539
00:26:47,840 --> 00:26:50,960
Speaker 3: This happened or I thought this or whatever without a turning.

540
00:26:51,080 --> 00:26:53,480
Speaker 3: This is a minor problem. I want to nip it

541
00:26:53,480 --> 00:26:55,280
Speaker 3: in the bud before it becomes something major.

542
00:26:55,480 --> 00:26:55,840
Speaker 4: Uh huh.

543
00:26:55,880 --> 00:26:58,760
Speaker 3: You know, for instance, Well, there's an aspect of all

544
00:26:58,800 --> 00:27:02,640
Speaker 3: of this that we haven't even mentioned. I will give

545
00:27:02,680 --> 00:27:06,920
Speaker 3: you one hint. He looks like Winnie the Pooh.

546
00:27:07,720 --> 00:27:09,600
Speaker 2: Okay, hmm.

547
00:27:09,920 --> 00:27:16,399
Speaker 3: How does the malevolent Global actors their access to everything

548
00:27:16,560 --> 00:27:17,080
Speaker 3: about you?

549
00:27:18,840 --> 00:27:20,479
Speaker 2: Apparently you're going to tell us about that coming up?

550
00:27:20,520 --> 00:27:23,640
Speaker 2: Is that what I tell us about that coming up?

551
00:27:24,440 --> 00:27:30,440
Speaker 3: You can assume that safe thing that's next