Heroes in Business - Eliances Heroes Show Interview Health Insurance Issues

Episode Date: March 7, 2022

Dr Sarah Sun Liew for congress, US senator candidate California is interviewed by David Cogan at Eliances Heroes Show talking about health insurance issues.  

Alliances where entrepreneurs align. Alliances where entrepreneurs align. Alliances where entrepreneurs align. Alliances where entrepreneurs align. Alliances where entrepreneurs align. Welcome to Alliances, the Only Place to Entrepreneurialize. All right, so welcome back to the show. Again, we've got so much going on, and I can't thank you enough for when I interviewed the co-founder of Zillow.

So make sure that you go to Eliance's.com. That's E-L-I-A-N-C-E-S.com. It is the only place where entrepreneurs align. All right. So we're going to welcome Dr. Sarah Sun Liu to the show. She is U.S. Republican Senatorial candidate. And you can reach her at DrSaraluforcongress.com. And of course, we have it at the bottom here of the website. Dr. Lu, you're running for U.S. Republican Senatorial Candidate. And we're so excited to welcome you back to the show. There is a lot of things that people want to know so that they know who to vote for.

Will you please discuss medical insurance and the insurance system in the United States, please? Thank you for inviting me here. Nice to meet you. Thank you for your support for entrepreneurs. So today's America, medical is so a problem there because we pay a higher medical expense, but we don't get enough insurance benefits. That's the number one I want to talk about. As well as the system is not available for each individual medical, like one doctor, another doctor. For example, if we go to the medical, like one doctor, we doctor. For example, if we go to the medical one doctor, we already tested the blood test. But if we go to another doctor, they don't really access those records.

So we have to have another examination because those systems needed to convert each other, but our today's medical system is not converting each location. And the third problem is we don't need to really disclose. We do not disclose those medical costs. Because I have experience. I went to Texas. I have catch a cold.

I go to the local general hospital, and then I ask the doctor, what is my cost? What is my cost to pay for your treatment? And doctor said to me that, don't worry, we treat you, and we will send you bills. So once I come back to travel i i got the bill is 199 because of those fees i can go to sparmish and get a simple treatment but i pay 199 so after that i think about we should do a disclosure to every patient to get before they treat, we should get those treatment costs we have to have.

So we have another problem is medical is privatized because those medical insurance, medical system is we are income plus health conditions. You know, that's why we have 15% of Americans, they don't have insurance. So that is another problem. Another problem is Obamacare. So because those medical health privatizers bring many problems because many people, they don't want to end their insurance. That's why 15% no insurance in the American people. That's caused to make more deaths, people death early because they cannot go to the hospital.

They cannot pay those expenses. So those problems try to solve solve with ObamaCare. But the Obamacare problem is they don't give to private decision. Every person has to be endorsed. There is no personal decision. As well as we get, if we are not endorsed, we have a big penalty. And then as well as the Obamacare problem is government debit is 176 trillion debits because of those subsidized to pay for the curve of those Obama insurance. We have so many, as well as those all the transaction fees, cost is a lot to take care of those medical insurance. So we have to really think about those problems.

You know, I have my policy was medical policies. I wanted to have a national health insurance program, which is every person's automatically enrolled in the program, and then implied natural designation systems, which is no AD, no incomes, no health conditions. Just everyone's national health insurance program, which is Korean, they had already successful number one best insurance, best healthcare in Korea. So, you know, I have experience. In 2011, I went to Korea. And then, you know, I was very surprised because I only paid like $20.

I got all the examination, all the things because I have to pay $250. In America, I only pay $20. So this is a Korean national health insurance program. They only pay by incomes. You know, whatever the incomes, those percentages, they pay as well as equal coverage. So in America, they pay more, they have more coverage, and less pay is, coverage. So, you know, in America, they pay more, they have more coverage and less pay, less coverage. That's why many people, they don't have enough coverage because they only, only endorse whatever they do.

But in Korea, the health system is a national health insurance program that is no age, just only by the incomes. Everyone, every health condition, whatever they have, cancer, whatever, what kind of any health condition, they have equal treatment. I think that is the best way to we can solve our America's high insurance fee, less service. high insurance fee, less service. And also, there is systems. We have really national DOJ systems able to each patient levels. Like example, homeless.

We have some sample in the Houston Homeless Service DOJ program, which is the homeless coming, and they're coming to emergency, and they can know about this homeless social workers, this homeless, where they treated, what kind of treatment they need right now, what they don't need. So those are like one successful example we have. We can use those systems to individual people, their medical record, even go to the A, B, C, D, different hospitals they go.

They need to know. Like they went to like yesterday is A hospital. They take a blood test and they go to the B hospital and they need to know already they have all record access to a hospital one and they can they don't need to duplicate service but now it's America duplicates the service. If I go to sanitary, are we going to

work harder to do the system build it then we can save a lot of insurance cost, we can save a lot of medical cost able to as well as the second, my policy is implementable policy needed because now Obama cares and that medical privatized

those America plan is not employer every person, only richest person, only big corporations, only person who has. So my policy is we need a fixed corporation, like Obamacare. Every corporation has to have minimum insurance. If they don't get the minimum insurance for their employees, they have lots and lots of penalties. So those corporation costs are higher and then need a higher medical expense, a higher transaction cost. This is really not employable to people to follow those Obamacare, those medical privatizers. That's why it's 15

percentage America no insurance today. So I'm going to fix those problems that we have to have a policy, collect policy that can able to imply people. And then also target service. If we pay the higher medical service or higher insurance fee, so we are not really get the benefit because we don't have a target, you know, service plans. We have to have a target service plan, which we need the level of conditions, level of age, level of income. We need to really verify those, you know, feasible plans, target service. If someone, you know, even they pay insurance 10 years, they don't need to go to the hospital,

they're wasting all of those insurance fees, that is, we did not target service. Maybe those people, we just charge small insurance fee. Also, elder, you know, who are cancers, they have their target service is more like, need a feasible for those cancer treatment, but our insurance really, you know, not really target service. So if I go to sanitary, I'm going to make those target service available.

And then we have to really follow those one sample, examine successful sample we need to follow, sample, examine successful sample we need to follow, like Korea. Korea national health insurance problem is really, really, they are successful because every person, they have, it doesn't matter age, it doesn't matter, just only by incomes, they pay, but they got all health condition is really cost transactions. No debt for government. Our government had 1.76 billion deaths, you know, because since 2013 to 2023, 10 years, during those 10 years, we have 176 trillion deaths.

So corporations' burden, now COVID-19, still those low is a price. Corporation cost is too much. We have to reduct those corporation burden because of medical system. So we have to really helping business to learn less cost, but those medical insurance subsidize is, you know, we have make burden to government as well as, you know, business owners is burden, yeah. What about as far as with the small businesses in regards to healthcare and that. So you mentioned about large businesses and that. How can entrepreneurs, solopreneurs, and small businesses, what's your plan for them regarding health insurance?

Okay, so many America right now depend on the only corporations, and the only individuals, you know, and the only individuals, you know, personalized or Obamacare or Medicare. So, but really, the government is so dependent on the, you know, business, developed economic group, but the whole burden is the corporation's cost. So we have to really, those corporations had all those choices to have insurance

that imply policy because we did not do individual level corporation's insurance plans. So most all corporations, there is big tax, there is, you know, all corporations, there is a big tax, there is small business, there is

even only personal persons running those businesses. But there, all the medical policy, medical plan is not really different. So we have to have those, like one person, self-employer

insurance, and small 20 more people's corporations insurance cost and plan. And also big tech, you know, cost is, you have to be little bit like a little bit different, but there is not that much difference as plan. So we have to really nationalize, you know, health insurance program, not only personalize, corporations and individuals that need to support by government, more government subsidize that needed to support those, you know, the corporations to save those costs.

Then, you know, most nine hours subsidized we are spending for the Obamacare and the Medicare, but we are not really those subsidized using for supporting corporations. We have to really, that's why the more poor people get those all the subsidized which is like Medicare, Medicare, and then Obama. Those we are targeting only for those who are not able to get those insurances. But those corporations are next level because those corporations have money.

They are running business. They cover those insurances for employees. They are running business. They cover those insurance for employee. That's why it's, you know, that's the different story that we have to have really employment of a policy for the corporation separately. And then, you know, more burden to the business owner. We have to really cut the price of insurance. And we have the target service to those corporations feasible to

a level of service. So we have to really inform those corporations who are big tech and small corporations and personal on the business. We have to really separate plans we have to do. I find it very interesting again where you mentioned about Korea and taking the parts and things that work within the Korea health system and bringing it to the United States. I don't think anybody's ever done that before or even knowledgeable of it like you are. And again, we're talking with Dr. Sarah Liu, U.S. Republican senatorial candidate. You could reach her at

drsarahluforcongress.com. And of course, too, as you'll see at the bottom of the link. So talk to us about the aspect now of bringing what you mentioned about the parts of what works in Korea to the United States, because you've seen it, you know it works there. And talk about just the aspect of being able to implement it within the United States. And talk about just the aspect of being able to implement it within the United States. Okay, so United States, we have those differentiations. United States is insurance and medical system all personalized,

which is very personalized, means it depends on their age, depends on their incomes, depends on their health condition, depends on their incomes, depends on their health condition, from very small amount of insurance to all the way higher. So, you know, my example is my one of friend, he paid like $3,000 a year insurance, 10 years, but he never go to the hospital, wasting all the money because he thought that he needed to plan. But in Korea, those money is wasting because he never go to the 10 years hospital. Even he paid because also, you know, let's surprise those people who are Obamacare. They have to even, they don't go to the hospital. They have to pay in order to avoid the penalty, no, you know, personal decisions. And then also government pay all those subsidized

cover those Obama and 1.76 trillion deaths between 2013 and 2023. But Korea is a different story. Korea is not a medical property. You know, they care of income, but whatever their income, like whatever has $1,000 income, they pay percentage of those incomes. They pay, and if you have $10,000 income, they pay pay whatever those incomes they have, like example, 1%. And then once they have cancer, like they have liver cancer, in America, they have to have another plan join. And then if they don't have a cancer insurance plan, what happens? They have to have another large, large cost that they have to pay. But in Korea, it's automatically they are enrolled in all the cancer programs. You know, employment, the nature designation systems that are able to

every person who are already enrolled automatically in their system, once they have cancer, they go to the hospital, you know, they already covered every cancer, they already everything. So they don't have to pay any money for extra money, that only little bit money only they pay that they can just treat the same richest person or same poor person, same hospital they go, same doctors they go, they pay same price. But in America, we have cancer. We have to have our own doctors.

But those own doctors have to be approved, those other doctors who have cancer treatment, doctors have to be approved, those, another doctors who are cancer treatment, those transaction fees are high cost as well as that is all the insurance burden. The government is paying those transactions, they're very, you know, complex, you know, and then another, another cancer, another place, another place, many multiple,' organizations have to treat those cancers, as well as they have to pay a lot of money to treat cancer, but in Korea it's different. In Korea, they don't have to pay that much because already the National Health Insurance Program already once they, that is all American, all the

people, all American are already enrolled, already once they that is all medically all the people's automatic already in the end order so they don't have worry about i did not have cancer insurance oh my god i have to i have to join right now and then once we had did not have a cancer insurance in america they have to pay those original all the costs higher cost twenty thousand20,000, $30,000. Surgery in Korea is different. They already automatically enrolled. They don't worry about those cancer treatment norms of money, $20,000, $30,000. They just already take care of those government subsidized money.

And as well as they have a personal insurance company. They care all those people's insurance. And as well, they have a personal insurance company. They care all those people's insurance. Once they have cancer, not the government subsidize only. Those personal insurance working need those government. They pay for almost up to 50%, 80% cancer fees they pay for those personal insurance agents working need those government already because those insurance companies and national health insurance programs

implied together already when they have cancer. This is really good news if we can bring those systems in America. America has the richest country, but we still have like after Obama cares, we have so disadvantage those try to Obama, you know, those insurance we have all people's had a doctor's problem is all people do not have really less medical treatment. But in Korea, those systems, we have to focus on that, not just like what Obama cares, take care of those.

All doctors have it. But we have all doctors, but problem is we have to pay more money, transaction fees, you know, more money to those Obama, you know, cares had, you know, those good things to poor people has insurance, but still they don't have no personal decision need penalty. We have a lot of penalty, 2%, you know, penalty, you know, who does not endure Obama. As well as the penalty, corporations had a penalty

because of medical insurance is too high. But in Korea, automatically by their no age, just income, by income, they already take care of once they

have those medical treatment needed. So we need to really reform those system. Our problem in high insurance be less service. System is not really connection each other and no disclosure medical, you know, before treatment. And also we have to reform Obama's care too. We have to have our own personal

decision as well as no penalty. But we have no personal decision and also we have so many penalties. People, they don't have 15% no insurance to die early because they cannot go to the surgery, you know, $20,000.

They cannot pay. Their family is like weeping. Their family is burdened because they cannot send their family member to go to the hospital. But in Korea, it's different. They have already had systems. They have already everything is done. So I'm really working hard to bring those good models.

I'm Korean-American. I already had two, three times Korean benefits. When I went to Korea, my mom is two months in the hospital because he had a surgery. But because of optional surgery, she does not pay that much. I'm a member of a family. We don't pay that much. I'm a member of family. We don't pay that much money. But in America, we have surgery, real surgery, like my mom did. Our family is burdened, and we really have a lot of pay to insurance.

After surgery, we have to pay 20 years. We are burdened because we have to pay. So this is America, the insurance problem. So, yeah. Unbelievable. And again, it's just amazing of what you can do and why people need to vote for you. And I'm looking forward to the next interview where we're going to be talking about many other issues, women's right to choose and right to bear arms and all that. So make sure that you stay tuned. Thank you

again to Dr. Sarah Liu, U.S. Republican senatorial candidate. Make sure that you go to our website, drsarahliuforcongress.com, drsarahliuforcongress.com. Dr. Sarah Liu for Congress.com. This has been David Kogan with the Alliance's Hero Show. Thank you again, Dr. Sarah. Thank you for inviting me. Thank you for supporting. We'll be you next time.