I was always raised with the concept that you had to go to school, you had to get decent grades and you were expected to work. And then, when you were in the “real world”, you obviously had to have a job, and whatever you brought home was what you had to live with. This, of course, was before credit cards were popular, before 110% mortgages were fashionable and before auto leasing was an option. And life seemed quite “real”.

Then the boundaries continually moved and became reset. Anything goes. If you see it, and you want it, you’re on it. Then, welfare became fashionable and mom and dad both worked, so the $99 question became, “What does it really cost me to go to work, versus to stay home.” and the trend to live beyond one’s means flourished.

So, as you watch this video, I hope you understand the concept of health care reform. What this means is, without any regard, do as you please. If you want prime rib, order prime rib. The cost is the same. What incentive has this created for making healthier choices. It appears to me, after 35 years in the business, that we are focusing strictly on dollars.

As this progresses forward, what I see happening is comprable to how medicare originally started in the 1960s. There is an “essential benefit platform”. That’s what we all get. If you want the A-team that has spent 8-18 years of education, time and dollars, plus their experience, you probably won’t get them for dime-store prices.

I feel, going forward, in an effort to be able to access the QUALITY of health care professionals, that we want, we will probably be buying insurance on top of what the government provides.