Betting the Farm

David Dias, Founder and Chairman of Insurance Thought posted the following article to his site this afternoon:

The author, John Connell, is the President of the Western Region of EPIC Insurance Brokers and Consultants, and is responsible for Employee Benefits. Mr. Connell’s article brings to light something I have thought of when trying to explain implementing medical tourism into workers’ comp.

Imagine visiting a farm, and after being shown around the parts where the animals are kept, the farmer shows you his silos. There are two of them; one very big, and one very small.

Curious, you ask the farmer what is in the first silo, and he replies that that is where he stores his grain. Then you ask, what is in the second silo, and he replies, that that is where he stores his other grain.

Totally confused, you ask another dumb question of the farmer. “Why do you have two silos if you are just storing grain? What is different about the grain in the second silo that requires a separate silo?”, you ask.

He shakes his head, laughing at the city slicker, and replies that the grain in the first silo is from that field over there, and he points to a large wheat field. Then he tells you that the grain in the second silo is in a field in another direction, and informs you that there are certain rules, regulations and laws that apply to not only growing the wheat that is stored in that silo, but also how it is stored in the silo as well.

At this point, you are dazed and confused, because it’s just wheat, no matter how you slice it in the end, but you are so incredulous that you shake your head in disbelief.

That is the point Mr. Connell is making, that it makes no sense to have two silos for the same thing, namely the medical care that is covered by group health plans and by workers’ compensation. And as he points out so well, there are companies that are combining the two, much like our farmer should with his wheat, and never mind the rules, regulations, laws and statutes about how to grow or store the grain from that second field. It is these rules and regulations, etc., that hinder improvements in how workers receive benefits from on the job injuries.

And somewhere in the new silos these companies are creating, there should be room to include medical travel as an option for injured workers to receive better care, and for their employers to realize lower cost for surgeries common to workers’ comp. I’d call that betting the farm on real change that will save money and provide workers with the best care possible.


I am willing to work with any broker, carrier, or employer who is sick and tired of being bled by the Wall Street vulture capitalists and the entire medico-legal system known as workers’ comp, to save money, and to provide the best care for their injured workers or their client’s employees, while at the same time, helping to break the monopoly of the American health care cartel.

Call me for more information, next steps, or connection strategies at (561) 738-0458 or (561) 603-1685, cell. Email me at: Ask me any questions you may have on how to save money on expensive surgeries under workers’ comp. Connect with me on LinkedIn and follow my blog at: Share this article, or leave a comment below.

This entry was posted in Bundling, Group Health Plans, Health Insurance, Integration, MEDICAL COSTS, Medical Tourism, Medical Travel, Workers' Comp, Workers' Compensation and tagged , , , , , , , on by .

About Transforming Workers' Comp

Have worked in the Insurance and Risk Management industry for more than thirty years in New York, Florida and Texas in the Claims and Risk Management spheres, primarily in Workers’ Compensation Claims, Auto No-Fault and Property & Casualty Claims Administration and Claims Management. Have experience in Risk and Insurance Business Analysis, Risk Management Information Systems, and Insurance Data Processing and Data Management. Received my Master’s in Health Administration (MHA) degree from Florida Atlantic University in Boca Raton, Florida in December 2011. Received my Master of Arts (MA) degree in American History from New York University, and received my Bachelor of Arts (BA) degree in Liberal Arts (Political Science/History/Social Sciences) from SUNY Brockport. I have studied World History, Global Politics, and have a strong interest in the future of human civilization in all aspects; economic, political and social. I am looking for new opportunities that will utilize my previous experience and MHA degree. I am available for speaking engagements and am willing to travel. LinkedIn Profile: Resume:

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