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Speaker 1: When you're ready to ride Metro, we want you to

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Speaker 1: know we're ready for you. Here are just a few

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Speaker 1: of the people at Metro to tell you how we're

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Speaker 1: doing our part to keep writers safe. Cleaning before half

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Speaker 1: the Great Queen you have found halfs out of suns

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Speaker 1: of statist no mask, no Metro need one. We have

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Speaker 1: a few extras at Metro. We're doing our part to

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Speaker 1: keep the DC area moving. Find out more at well

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Speaker 1: mata dot com slash doing our part story. Before we

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Speaker 1: get into some healthcare talk, had an appointment yesterday with

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Speaker 1: my son's doctor, who was a one of the best

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Speaker 1: in the world at what he does. I mean, he's

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Speaker 1: at a very very high level, which factors into this story. Okay,

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Speaker 1: so my son needs this particular treatment and for whatever reason,

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Speaker 1: the doctor told me that it's not covered by insurance.

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Speaker 1: Likely he will write a letter. Now he's he's the

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Speaker 1: best in the world at this right, but he will

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Speaker 1: write a letter. He said he usually gets turned down

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Speaker 1: by insurance companies even though he's the best doctor in

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Speaker 1: the world to who's recommending this And it's probably gonna

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Speaker 1: cost me between thirty and sixty thousand dollars cash for

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Speaker 1: this treatment for my son, which it's either he has

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Speaker 1: a crappy life forever or I get this treatment. So

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Speaker 1: it's not an option whether to do it or not.

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Speaker 1: It's serious brain thing. But thirty to sixty dollars cash,

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Speaker 1: even though the best doctor in the world says that

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Speaker 1: it is necessary. And you know, that's just where we

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Speaker 1: are with insurance and stuff. That would just be ruinous

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Speaker 1: to a lot of American families. Most of you can

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Speaker 1: take out a home equity loan, I guess, or you

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Speaker 1: would go fund me and have a you know, like

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Speaker 1: people do you have a barbecue picnic and pupe people

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Speaker 1: show you know whatever. But it's incredible what's covered and

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Speaker 1: what's not the best in the world says, oh, yes,

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Speaker 1: this is absolutely valid. This, this treatment is what is needed.

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Speaker 1: But the insurance company says, we'd like to that We're

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Speaker 1: going to look at it for a couple of mornings.

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Speaker 1: It's interesting. Yeah. Yeah. Craig got Walls is an attorney

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Speaker 1: at law benefit consultant. He is Craig the healthcare Guru.

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Speaker 1: In a private text to me, he suggested, how about

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Speaker 1: Craig the healthcare gangster. I thought that was not a

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Speaker 1: great idea, um, but he sure knows what he's talking about.

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Speaker 1: And and Craig, first of all, welcome, always good to

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Speaker 1: talk my friend. Thank you sir. Sorry to hear that story, Jack,

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Speaker 1: that's not a good one. That's just interesting. But you

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Speaker 1: know what occurred to me as I was thinking about

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Speaker 1: chatting with you today that healthcare is the number one

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Speaker 1: issue in politics these days other than I love Trump,

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Speaker 1: I hate Trump, um And I heard a commentator say

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Speaker 1: that mostly it's shouting slogans at each other and putting

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Speaker 1: bumper stickers on our car either the health care is

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Speaker 1: a right or no socialism. Then the minute you get

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Speaker 1: into details of any plan, your plan gets less and

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Speaker 1: less popular. Um and and and yet it's something every

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Speaker 1: single human being listening or participating in the show or

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Speaker 1: whatever deals with on probably a monthly basis. It's not more.

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Speaker 1: And so we're completely at sea at this about this

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Speaker 1: issue that we all deal with all the time. It's

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Speaker 1: kind of ironic. But anyway, and the older and the

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Speaker 1: older you get, the more you deal with it, and

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Speaker 1: the more powerful of a voting block you are too. Yeah,

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Speaker 1: that's a good point. So you send us some notes

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Speaker 1: on what you wanted to talk about today and it's

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Speaker 1: a great topic. Health insurers are collecting astonishing levels of

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Speaker 1: detail on your life and it's costing you. What what's

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Speaker 1: going on? So you guys had you guys had a

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Speaker 1: segment on your show recently that I heard a snip of,

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Speaker 1: and it was about employer wellness programs and how people

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Speaker 1: are voluntarily giving up a lot of their personal information

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Speaker 1: by wearing these wearable devices that tell you how often

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Speaker 1: they walk, how often they exercise, how well they sweep, etcetera.

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Speaker 1: And they're they're often doing that with their employer for

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Speaker 1: something like two to three hundred dollars off of their

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Speaker 1: insurance costs hundred a month something you wear a fitbit

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Speaker 1: all the time and the your your boss, your company

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Speaker 1: has access to all the info. Yes, and the reporting

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Speaker 1: on that story was what was well done and it

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Speaker 1: was accurate it but what what it what reminded me

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Speaker 1: was that you guys are not aware of what's going on.

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Speaker 1: So that's the stuff that people are consenting to write.

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Speaker 1: But you guys, we have never talked on your show

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Speaker 1: about what's going on behind the scenes. How much information

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Speaker 1: these entities are gaining on your life without your knowledge.

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Speaker 1: So little history just really quick on this insurance, the

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Speaker 1: theory of insurances that you're guarding against known or excuse me,

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Speaker 1: unknown risks. Right if you if you already have cancer,

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Speaker 1: you can't go buy insurance, or at least that was

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Speaker 1: the way things worked before Obamacare. Right, So once Obamacare

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Speaker 1: came along, Obamacare said, okay, now you can no longer

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Speaker 1: underwrite an individual based upon his or her health status.

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Speaker 1: In other words, you can't ask them whether or not

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Speaker 1: they have cancer. You just have to give them insurance. Well,

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Speaker 1: as Jack has pointed out hundreds of times on your show,

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Speaker 1: that's untenable. You can't do that. You can't just say, hey,

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Speaker 1: we'll provide insurance for anybody who shows up. Wait till

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Speaker 1: you break your arms, then show up. So what hell?

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Speaker 1: Insurance companies have been doing for the last decade and

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Speaker 1: really for the last twenty years. But but Obamacare launched,

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Speaker 1: it was, oh shoot, and here's a four trillion dollar

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Speaker 1: industry and we have to be able to keep it going.

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Speaker 1: And if we cannot underwrite based upon your health status,

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Speaker 1: we must be able to underwrite, in other words, but

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Speaker 1: through toicate the risk based upon other things. So what

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Speaker 1: Obamacare did not make illegal was looking at things like

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Speaker 1: your age, your zip code, how often you watch TV,

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Speaker 1: what magazines you get, whether or not you own a gun,

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Speaker 1: what ethnicity you are, et cetera. How do they know? Well,

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Speaker 1: the spawn of Obamacare really coincides quite nicely with the

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Speaker 1: launch of gigantic corporate data collection like Facebook and Twitter,

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Speaker 1: all social media, all every every imaginable record you can

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Speaker 1: think of, your divorce records, your marriage records, when you

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Speaker 1: buy a home, when you refinance, your AT card scores,

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Speaker 1: your Google searches. There are multi billion dollar corporations gathering

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Speaker 1: that and creating a docier on each and every single

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Speaker 1: one of us. And the insurance companies are buying that info.

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Speaker 1: They are they're renting it there. What an insurance company

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Speaker 1: does and this is really inside baseball stuff, but what

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Speaker 1: they do is they'll take a census. They'll take a

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Speaker 1: demographic profile of say your company with your thousand employees,

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Speaker 1: and they will send that over to one of these

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Speaker 1: data brokers like IBM, Watson or Millerman or Lexis, Nexis

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Speaker 1: or optim and they'll run that census something just making

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Speaker 1: I can say those names because they're published um and

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Speaker 1: they'll say they'll say, tell me, tell me how many

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Speaker 1: HIV s you've got in this group, Tell me how

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Speaker 1: far along they are, what drugs they take? Yeah, So

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Speaker 1: that and then all of your insurance costs are then

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Speaker 1: being adjudicated back up and built into your premiums based

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Speaker 1: upon this data that may or may not even be accurate.

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Speaker 1: And so one thing that's interesting to me about this

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Speaker 1: is I've always wondered all this data that's being harvested

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Speaker 1: from me, either legally or illegally, by all these companies.

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Speaker 1: I've always wondered, what's somebody gonna do with it? And

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Speaker 1: so now I know one thing that's being done with it.

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Speaker 1: Let me toss a bunch of examples out. Then we'll

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Speaker 1: take a quick break, and I want to ask you

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Speaker 1: the key question. Um, but I love these examples. Are

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Speaker 1: you a woman who recently changed your name. You could

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Speaker 1: be newly married and have a pricey pregnancy pending, or

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Speaker 1: maybe you're stressed and anxious from a recent divorce, so

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Speaker 1: the computer models say, expense expense. Are you a woman

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Speaker 1: who's purchased plus sized clothing, you're considered at risk for depression,

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Speaker 1: mental health care expensive, among other things. Wow, So well

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Speaker 1: that is interesting. Are they Are they doing it well?

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Speaker 1: I understand you want to get as much data as

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Speaker 1: you can to understand how much you ought to be charging. Um,

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Speaker 1: I mean, if you're if you're ensuring a bit ausness

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Speaker 1: that only hires four pounders, it probably be handy to

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Speaker 1: know that is an insurance company. Well, how about people

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Speaker 1: that watch an extraordinary amount of television I don't exercise

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Speaker 1: right right, that's built in there. That's built in there.

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Speaker 1: By the way, you're your smart TVs are reporting that back,

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Speaker 1: that's in your agreement. Is there any sales into these

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Speaker 1: get on for my cat when I'm not at home exactly,

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Speaker 1: see that. That's unfortunate, John, you're paying for that? So

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Speaker 1: is anything the farious being done to individuals or is

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Speaker 1: it just a price estimation tool. The companies that are

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Speaker 1: engaged in this activity become very uh shady and quiet

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Speaker 1: and and and they obviously escape the facts when you

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Speaker 1: start asking about individuals. But I have information that it

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Speaker 1: is being used at the individual level. I know specifically,

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Speaker 1: and I'm involved with a group of attorneys and other

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Speaker 1: experts looking into the legality of this, because I'll just

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Speaker 1: say this, what insurance companies do now. We used to

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Speaker 1: be able to generate a quote for a for a

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Speaker 1: client with just a centis just said, you know, employee

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Speaker 1: want as a male. At this age, we never gave

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Speaker 1: any individual identifiers. Now insurance companies are requiring names when

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Speaker 1: we when we so I'm submitting a quote for a

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Speaker 1: three person company, they want all three hundred names with

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Speaker 1: zip codes because they want to run it through this database.

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Speaker 1: So I know, darn well they're using it at the

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Speaker 1: individual level. Wow. Well, and if they can they will,

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Speaker 1: So exactly right. And it's interesting you mentioned there at

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Speaker 1: some point um the information might not even be accurate.

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Speaker 1: So I mean, it's it's it's troubling on a bunch

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Speaker 1: of levels, but the impult they have on me might

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Speaker 1: not be accurate. They gotten a wrong, wrong stuff at

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Speaker 1: some point. That's exactly right. And remember I think you

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Speaker 1: guys have talked about on your show as well. Sixty

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Speaker 1: minutes did that piece on privacy in Europe. This is

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Speaker 1: illegal in Europe because you own your own data. What

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Speaker 1: needs to look you guys know, I am not an

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Speaker 1: advocate for more federal law, but what we need is

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Speaker 1: we do need a law saying we own our own

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Speaker 1: absolutely otherwise you have so so one author that approached

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Speaker 1: this right, who's the biggest thing I keep interrupting you,

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Speaker 1: but who's the biggest lobbyist in the entire country? Freaking Google.

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Speaker 1: There's a reason why we don't have that law in

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Speaker 1: Europe does well Google, And health care is up there

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Speaker 1: in the top five too, So you've got a really

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Speaker 1: unholy A lot are going on right now. Yeah, health

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Speaker 1: care is arguably the number one industry in the country.

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Speaker 1: It's it's a fifth of our economy. So you've got

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Speaker 1: seriously powerful players here working to to do this behind

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Speaker 1: the scenes, and people just don't know this is going on. Yeah. Wow, okay,

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Speaker 1: so a great great stuff interesting, uh you know, unknown

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Speaker 1: and and and important part of people's health care. And

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Speaker 1: we'll we'll have you joined us again before too long,

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Speaker 1: Craig to talk about the you know, whatever is next.

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Speaker 1: That's the most interesting thing you've ever told us. I mean,

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Speaker 1: that's some of the brask there. See if there was more.

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Speaker 1: I'll be thinking about this well before, probably for the

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Speaker 1: rest of my life. But that is really really interesting,

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Speaker 1: not surprising and interesting. One author that looked at this

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Speaker 1: did a request from Lexis Nexis. Because you are allowed

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Speaker 1: to request a limited set of the data they have

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Speaker 1: his report came back, going back more than ten years,

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Speaker 1: a hundred and eighty two pages of information on him,

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Speaker 1: just one one company, one person, and eighty two pages.

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Speaker 1: Other companies have boasted that they're collecting one thousand, five

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Speaker 1: hundred facts about each individual, going all the way back

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Speaker 1: to the early nineties. Prophecy. Well, and yeah, now now

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Speaker 1: this next generation who have had all their info out

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Speaker 1: there since you know, birth, Really, jeez, what a dossier

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Speaker 1: they'll have on on all those people when they're grown up.

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Speaker 1: Exactly which they started, and then they started in the

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Speaker 1: ninth before social media, they started doing this on all

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Speaker 1: of the public records, right, you're arrest record, your marriage record,

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Speaker 1: your property records, your credit records, anything, make it get

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Speaker 1: Then once social media kicked in, this has gone into

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Speaker 1: hyper drive. Steroids Bill because that coincided with Obamacare of

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Speaker 1: that said, now you can't even ask what you're bidding

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Speaker 1: on when you quote for medical insurance anyway. So the

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Speaker 1: health industry said, whoa wha red flag. We've got to

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Speaker 1: have a way. We've got to have a way to

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Speaker 1: understand what the health risk is out there. So now

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Speaker 1: instead of reporting your actual health risk that would be

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Speaker 1: accurate you're getting. You're getting your premiums based upon these

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Speaker 1: these markers for health that may or may not correlate

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Speaker 1: very well with your health, like how much TV you

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Speaker 1: watched and whether you want a gun, and whether you

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Speaker 1: like to ski? Yeah, maybe I spend all day watching

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Speaker 1: those working out on the beach shows used to be

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Speaker 1: so popular. What you used to call that soft core

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Speaker 1: Hawaii bikini aerobics, spreading on the beach. Yeah, um uh wow,

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Speaker 1: what do you like to ski? So that that'd be

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Speaker 1: a tick up? And what you're gonna cost because you

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Speaker 1: might break your leg or whatever. So this is a

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Speaker 1: great example of unintended consequences. I mean, the Obamacare was

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Speaker 1: hoping to do away with any of that, and now

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Speaker 1: we've got, you know, just like you said on steroids,

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Speaker 1: version of what we used, right, and listen to strike

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Speaker 1: a liberty loving note. Uh, it's obvious as privacy dies

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Speaker 1: that if we were to give up our liberties or

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Speaker 1: give more power to government, their ability to do evil

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Speaker 1: with it would be so big, I mean, be so

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Speaker 1: good because they know everything about everyone, every phase of

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Speaker 1: their life. I mean, lies Jack, when not the current generation. Yeah,

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Speaker 1: I see, when you're nine years old, you you hurt

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Speaker 1: your leg and in the youth soccer, I mean, come on,

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Speaker 1: so yeah that yeah, I think you know, let's renew

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Speaker 1: our dedication of the idea of not giving the government

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Speaker 1: too much power the many weapons that they can make

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Speaker 1: a movie about this and if that's really interesting, Craig

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Speaker 1: got Wallace Craig, the healthcare guru does benefits and healthcare

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Speaker 1: and law and that sort of thing for his clients,

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Speaker 1: and he's really really good at it. What's the best

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Speaker 1: way to get ahold of you, Craig, um benefit dash

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Speaker 1: revolution dot com is my blog, my blog blog and

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Speaker 1: one other thing there, Joe. If your large company wants

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Speaker 1: to avoid giving this information, contact the healthcare guru. I

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Speaker 1: know a way around this, all right, Craig got Well,

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Speaker 1: thanks a million, Craig, great to talk at as always.

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Speaker 1: How fascinating and troubling is that I always wondered where

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Speaker 1: all that data was going. But hundredreds of pages all

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Speaker 1: these companies, Who are you know they're selling your data?

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Speaker 1: I always thought, who are they selling to? Who wants it?

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Speaker 1: What they're doing with? Well, this is this would be

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Speaker 1: the only one that they that needs to exist with

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Speaker 1: some of money at stake. Right. We have to decide

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Speaker 1: who owns your data clearly. I do own my own data,

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Speaker 1: not clearly according to the lobbyists. When you're ready to

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Speaker 1: ride Metro, we want you to know we're ready for you.

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Speaker 1: Here are just a few of the people at Metro

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Speaker 1: to tell you how we're doing our part to keep

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Speaker 1: writers safe. Cleaning before you've found halfs out of sounds

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Speaker 1: of stakes. All my with a Metro, no mask, no

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Speaker 1: Metro need one. We have a few extras at Metro.

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Speaker 1: We're doing our part to keep the DC area moving.

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Speaker 1: Find out more at will mata dot com, slash doing

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Speaker 1: our part