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The Healthcare Debates – Problems – Solutions

Debate 1:        Is access to quality healthcare a right or a privilege

Debate 2:        Should health insurance be a purchase mandate for all citizens

Debate 3:        Should pre-existing conditions be covered under new insurance coverage

Debate 4:        Should insurance companies have death panels that may deny coverage for expensive catastrophic procedures


Insurance companies do not provide healthcare.  They are middle-men that drive-up healthcare cost due to mandated reserve funds, salaries for employees, executives, as well as profit seeking investors.  Their main profit protection is the screening of customers and limiting high risk patients access to insurance coverage.

An additional problem is the denial of a single payer system, where the Government collects premiums or taxes and pays healthcare providers directly (cutting out the middle-man) is a socialist ideology that arguably increases bureaucracy and inefficiency.

A single payer system will increase the unemployment rate due to the cutting of millions of insurance workers.  Yet, a system that does not screen and eliminate preexisting illnesses, require less insurance professionals.

Can healthcare providers have the right to deny various levels of care to patients due to their inability to pay or access insurance?

Healthcare cost are skyrocketing due to technological advances and research and development that often extend the life of citizens that are not productive taxpayers (elderly, infirmed medi-care recipients).  Additionally, as American diets worsen, the demand for healthcare creates upward pressure on healthcare cost.



COVERAGE LAYERS – Healthcare should be divided into 3 different layers of coverage.

WHITE LAYER: Preventative maintenance- Annual health screening, On-line vitals tracking (BMI, PB, LDL cholesterol levels) and nutritionist/dietitian/physical therapist & trainer consultations. Emergency services Urgent care services.

All of these services should be free to the public regardless of any coverage or contribution. These services shall be paid for by the government with tax dollars collected from all citizens.

BLUE LAYER: Acute care provisions of ongoing medical infirmities with a limit on medical treatment requirements and expenses.

RED LAYER: More expensive catastrophic and long term care.



White Layer: provided to all citizens regardless of income, contribution or socio/economic status. Tax dollars covers these procedures.

Blue Layer: A health tax will be added to all consumable food items per their nutritional value.  Healthy foods with lower sugars, sodium and trans-fatty acid concentration are tax burdened less than processed foods, cigarettes, alcohol and other consumables that are known health risk enhancers or carcinogenic consumables.

These tax collected dollars shall be referenced as the “General Health Fund.” These funds are funneled to insurance companies to fund their operations as they focus on efficient dissemination of healthcare to the public.

Red Layer coverage is strictly privatized as insurance companies may offer the public these elective insurance policies.  If patients do not elect to purchase this coverage, hospitals shall then have the opportunity to deny care to those with RED LAYER chronic and long term illnesses if coverage is not in-force.  Insurer’s denial for preexisting conditions are prohibited.  Yet insurance companies may enact a waiting period, which delays coverage for medical treatment. For example, waiting periods may range from 3 months to 2 years. Where patience may have to have coverage in-place for a stated amount of time prior to the insurance companies will pay for any medical expenses.


Healthcare providers and Insurance companies shall merge or become joint partners.  The insurer will act as the accounting and finance departments of the medical facilities (like current structures of Kaiser Permanente & Molina Healthcare).  Each entity will work internally to create increasingly efficient healthcare delivery.


Citizens will have the opportunity to enroll (or switch annually) to any healthcare provider in their area.  Each provider will have a list of enrollees referenced as a “Healthcare Group.”

Healthcare providers will receive a portion of the General Health Fund” according to the size of their Healthcare Group.  This quarterly payment to healthcare providers will be according to the number of enrollees at the beginning of each year, referenced as the quarterly “Static Fund.”

In order to increase the percentage of the General Health Fund  received by a particular Healthcare Group, they must encourage their enrollees to use as much White Layer funds as possible.  This billing will be tracked by the insurance company even though the payments are reimbursed by the government and not paid by the General Health Fund.  The higher the percentage of the groups White Layer spending relative to Blue Layer spending, the more “Healthcare Bonus Funds” received by the Healthcare Group at the end of the year.  Thus, rewarding Groups for positive health outcomes.


The above should decrease the demand for healthcare due to built-in preventative measures.  Couple this plan with my Pay it Forward, Free college plan, especially in the medical field, we’d increase the number of healthcare professionals with the passion for service.  The laws of supply and demand will drive down the cost of healthcare to a manageable level as Americans live healthier lives.



An individual has not started living until he can rise above the narrow confines of his individualistic concerns to the broader concerns of all humanity.

Martin Luther King


Individualistic people on Team Capitalism

We’ve discussed the individualism of the U.S. culture. Yet the dissidence to that notion is that American Capitalism is a team sport. So how can a bunch of individualist form strong and competitive teams?  This is an example of the Chess rules they inject into our game of checkers.  Many of us don’t quite understand how to play this capitalist game, and we end up at the bottom rung.

As we fill out an employment application or hand over our resume it is a question that we ask, “May I join your team?” Yet the gatekeepers have a particular type of person they are looking for in each available position.  If they are looking for a running back and you are slow… If they are looking for a Center and you are short…  If they are looking for a person with a bubbly people person personality, and you are a introverted tech person…

Each team has a gatekeeper.  The gatekeeper’s job is to screen people from entering or exiting their team.  For example, a human resources manager is a gatekeeper for the corporate team.  They have a list of all the qualifications for each position, they manage the corporate culture and personality traits that are required for entry.  Another example of a gatekeeper is a high school math teacher.   The grade that she assesses you earned in her class is gatekeeper responsibility that determines if you move up, get to graduate or if you gain access to college.

Life is filled with gatekeepers, and many people don’t realize this fact until it is too late. They have failed in the eyes of many gatekeepers and find themselves underqualified to join teams that grant the reward that we desire.

It is easy to get the impression that American culture is individualistic and lose the idea of the team effort. The first and most important team that anyone will be a part of is family.  If one is born into, or creates a strong family team environment, they have an advantage.  Yet, often times parents team building skills are contingent upon the family team they were raised in. It is to the advantage of each young adult to objectively assess their childhood to accentuate the positive and admonish the negative to ensure an expanding legacy.


The second team a person enters into is one that is designed by the government. Thus through this team government has the right, option and power to influence all citizens’ outcomes.  Schools are funded and managed by government employees.  Their focus is education of the 3 r’s (Reading, Writing and Arithmetic).  So there is a delineation of responsibility between the first team and the second teams impact on the lives of our youth.  The family team is responsible for prepping students for academic success.  The second school team is to create the academic success. Read moreRead more


Identity – A book by Jermaine Harris

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Power Couple international, founded by Jermaine & Brandy Harris

Hey everybody, as you may know, with the support of my loving wife I’ve been running my non-profit “Black Family United”Click the image to visit our website for a number of years. I’m now able to pay her back with support of her new family therapy firm.  As a subsidiary of Black Family United, we have build a team of 4 expert Power Couples who will lead the charge of positively impacting the lives of couples who may be struggling to hold it together, or just want to make their good relationship GREAT.  Check us out and join our first event on March 26, 2016.  Power Couple serves a social network of couples who are willing to think outside of the box to get extraordinary results within their relationships.



Racism in America: A psychological approach

Racism is arguably a very significant problem in America, yet some people deny its existence or impact.

The study of the existence of racism is a sociological conversation. Yet the answer to racism in America does not exist within the field of sociology. The discussion may lie with political pundits, yet the answer is not within political science. Economics is the leading cause of racism, yet correcting economics will not end racism. This is why a person’s economic status does not resolve his exposure to racist activities.

Sociology studies what is happening and why.  Political science is the game of power grabbing. Economics is the study of how society accumulates and distributes its scarce resources, and in America there is a positive correlation between being Black and being poor. Yet knowing Black history will not change the future of racism. The real answer to racism is within the field of psychology.  The Psychology of the 310 million American minds is where the answers are.

So what is the psychology of racism?  It is the psychological possession of an inferiority or a superiority complex. Read moreRead more


Squash it! Male Academy PSA


Dayz in the Lyfe


Do Black lives matter?

I can't breathe1619 to 1865 The African slave had no rights as humans or citizens.

1867 to 1965 The slave system was replaced by Jim Crow laws which limited Negro’s opportunities to grow financially by way of institutional lock-out of prerequisite assets and knowledge.

Prior to slavery, African tribal warfare and intertribal indifference was exploited as Africans captured other Africans and offered them to European slave traders at the coast of Africa.  On these slave ships were hundreds of Africans who were not Africans by “Nationality.” To the contrary, they were a variety of country/tribal persons with vast differences in cultures and beliefs.  They may have united given their common servitude, or they may have been mortal enemies throughout their lifetimes regardless of their captivity. Read moreRead more