About the Leadership and Management for Stewardship and Donor Relations Professionals Series

In the spring of 2009, I was a new manager working for Southern Methodist University, trying my best to look like I knew what I was doing. I did not know what I was doing, but the good news is that I still managed to do pretty well. The better news is that I wasn’t alone in the adventure. I had Jennifer.

Jennifer sat just across the cube farm from me, and while I’d had some wonderful mentors in my time, Jennifer had an amazing mentor – Shelby.

Shelby doesn’t know this, but her going-away gift to Jennifer when Jenn left to take her first management position at SMU helped shape me as a manager in those first years, at least as much as it shaped Jenn. It was simple and sweet, a small decorative box filled with Shelby’s best management and leadership advice.

When things got intense as they sometimes did, Jenn and I would huddle in her cube and reach into Shelby’s box of advice – using it like a magic-8 ball of management wisdom.

“Dex is propping up cold, half-eaten microwavable meals against his mouse and disappearing for hours on end again, Shelby. What should I do? “

Those tiny, fortune-sized bits of wisdom were such a comfort to me. So, with that in mind, I offer this series to you. The very best lessons I’ve lived first-hand, in story form for your entertainment and comfort.

I hope you enjoy!

 

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    The to start with just one is that health and fitness treatment reform only affects uninsured persons.
    The next one particular is that Medicare advantages and the Medicare
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    Well being Treatment Reform Only Affects Uninsured

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    Effectively, the truth is that overall health treatment reform is basically likely to influence all people.
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    People today that at present have health insurance policies
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    Health and fitness Treatment Reform Outcome On People today With Grandfathered Wellbeing
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    Individuals that have grandfathered wellbeing insurance ideas are not heading to
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    Overall health Care Reform Outcome On Folks With Team Wellbeing Insurance coverage

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    It really is not just uninsured that are going to be afflicted
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    Health Treatment Reform Will Not Have an affect on Medicare

    The next fantasy was that health care reform would not influence Medicare.
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    Due to the fact of how substantial Medicare is and how rapid
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    Medicare is going to be impacted, and in simple fact the original
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    Medicare Benefit Cuts And The Effects

    Of that $716 billion slice, the Medicare Edge method receives slice the most, and will see the bulk of the effects.
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    Enhanced Medicare Gain Expenses

    Correct now, numerous people pick out Medicare Edge plans because they have zero top quality.
    When presented a preference on Medicare plans,
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    Decreased Medicare Gain Gains

    In buy to limit the premium improves, what quite a few Medicare Advantage options
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    Much less Medicare Medical professionals

    And then if that wasn’t terrible sufficient, as Medicare doctors start receiving lessen and lower reimbursements for Medicare Advantage men and women, they are likely to cease having new Medicare Gain recipients.
    We are heading to see the pool of medical doctors to assistance men and women in Medicare starting up to shrink as perfectly,
    until variations are created over the class of the following 5 many years.
    So Medicare is going to be afflicted, and it is likely to be influenced radically
    by health treatment reform. Everybody’s sort of on pins and needles, waiting to see what is
    likely to happen there.

    Overall health Treatment Reform Will Decrease Healthcare
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    The final a single, and likely the largest myth about health treatment reform, is most people wondering
    that ObamaCare will minimize health care expenses.
    Which is completely hogwash. Early on in the method, when they had been striving to appear up
    with the principles and restrictions, the emphasis and 1 of the plans for reform was to reduce health care fees.

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    At the time they designed that changeover, they pushed price
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    Health and fitness Care Reform Subsidies: Will They Make
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    A good deal of individuals hope, “The subsidies are likely to make wellbeing insurance plan programs extra cost-effective, won’t they?” Sure,
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    prices seem like for these options.

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    There is certainly a large amount of misunderstanding about what is heading on with ObamaCare, and
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    Well being Care Reform Only Affects Uninsured

    Let’s glance at the 1st myth about health treatment reform only impacting uninsured persons.
    In a ton of the conversations I have with shoppers, there are
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    Properly, the reality is that health treatment reform is really
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    Wellness Care Reform’s Result On People today With Overall health Insurance policies

    Individuals that at this time have overall health insurance
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    So the insured will be immediately afflicted by this since
    the well being ideas they have currently are going absent, and they will be mapped into a new ObamaCare approach in 2014.

    Health Treatment Reform Outcome On The Uninsured

    The uninsured have an more situation in that if they never
    get well being coverage in 2014, they experience a mandate penalty.
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    But both way, they will be right impacted by wellness care reform.

    By the mandate it has an effect on the insured as nicely as the uninsured.

    Health and fitness Care Reform Effect On People With Grandfathered Well
    being Options

    People that have grandfathered health insurance coverage programs are not heading to be specifically impacted
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    Therefore, folks in grandfathered health designs will also be impacted
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    Health and fitness Care Reform Impact On Folks With Team Wellbeing Insurance policy

    The final a single, the smaller team market, is likely to be the
    most notably impacted by well being care reform. Even however the overall health
    treatment reform laws predominantly influence substantial and medium-sized firms, and firms that have fifty or far
    more workers, more compact organizations will also be impacted, even although they are exempt
    from ObamaCare itself.

    What many surveys and polls are beginning to exhibit
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    2014 and 2016. That will have a very massive impact on all individuals who have team wellbeing coverage, specifically if they’re
    in a single of those smaller firms that fall well being coverage protection.

    It truly is not just uninsured that are likely to be influenced by health treatment reform,
    most people is heading to be impacted.

    Health and fitness Care Reform Will Not Affect Medicare

    The next fantasy was that health and fitness
    treatment reform would not have an affect on Medicare. This 1 is type of amusing because appropriate
    from the quite get-go, the most notable cuts had been precisely focusing on the Medicare
    application. When you glance at Medicare’s part
    of the general federal, you can see that in 1970,
    Medicare was four% of the U.S. federal funds,
    and by 2011, it experienced grown to 16% of the federal
    spending plan.

    If we glance at it about the final 10 several years, from 2002 to 2012, Medicare is the fastest growing aspect of the
    important entitlement applications in the federal authorities, and it is
    developed by practically 70% throughout that period
    of time of time.

    Since of how big Medicare is and how quickly it’s growing, it’s a person of the vital systems that ObamaCare is seeking to get a handle on,
    so it isn’t going to bankrupts the U.S. Medicare is likely to be impacted, and
    in point the original cuts to Medicare have now been set at about $716 billion.

    Medicare Advantage Cuts And The Effects

    Of that $716 billion slice, the Medicare Edge software will get cut the
    most, and will see the bulk of the effects.
    What which is heading to do is enhance the rates persons
    fork out for their Medicare Gain designs, and
    lessen the advantages of all those ideas.

    Improved Medicare Edge Costs

    Ideal now, quite a few persons decide on Medicare Advantage plans since they have zero high quality.
    When provided a alternative on Medicare options, they see it as an simple preference mainly because it is really
    a free of charge software for them, “Positive, I get Medicare added benefits, I don’t shell out nearly anything for it why not.” Now they
    are going to see Medicare premiums start to climb,
    and go from zero to $70, $eighty, $ninety, $a hundred.
    We have by now witnessed that with some of the Blue Cross Medicare Advantage options this
    year. It really is heading to get worse as we
    go forward in the long term.

    Minimized Medicare Advantage Rewards

    In purchase to limit the quality boosts, what quite a few Medicare
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    deductibles, and transform the co-insurance policies prices.
    In purchase to continue to keep the premiums down, they’ll just thrust additional
    of the fees onto the Medicare Advantage recipients. Enhanced rates and diminished added benefits
    are what we are heading to see coming in Medicare Advantage prepare.

    Fewer Medicare Doctors

    And then if that was not negative more than enough, as Medicare doctors begin getting lower and decrease reimbursements
    for Medicare Gain people, they’re heading to halt having new Medicare Edge
    recipients. We’re likely to see the pool of health professionals to assistance people today in Medicare setting up to shrink
    as effectively, until alterations are built more than the program of the next 5 decades.
    So Medicare is going to be affected, and it’s going to be afflicted considerably by health and fitness care reform.
    Everybody’s form of on pins and needles, ready to see what’s likely to occur there.

    Health Treatment Reform Will Cut down Health care Prices

    The last one particular, and almost certainly the largest
    myth about overall health treatment reform, is everyone considering that ObamaCare will lessen health
    care expenditures. Which is wholly hogwash. Early on in the
    approach, when they were striving to come up with the procedures and polices, the emphasis and a single of the ambitions for reform was to cut down health
    care fees.

    But someplace along the line, the aim in fact shifted from
    cost reduction to regulation of the health insurance policies industry.
    After they designed that transition, they pushed cost reductions to the again burner.
    There are some little value reduction factors in ObamaCare,
    but the true emphasis is on regulating overall health insurance coverage.
    The new options, for illustration, have substantially richer added benefits than numerous
    designs right now: richer gains implies richer charges.

    Wellness Treatment Reform Subsidies: Will They Make Ideas Very
    affordable?

    A ton of people today hope, “The subsidies are heading to make wellness insurance coverage strategies more reasonably priced, will never they?” Sure, in some scenarios the subsidies will enable to
    make the options economical for people today. But if you make $1 too a great deal, the
    inexpensive options are quickly likely to turn out to be incredibly high-priced and
    can value countless numbers of pounds much more in excess of the class of a calendar year.
    Will a subsidy make it inexpensive or not cost-effective is seriously matter to discussion at this stage in time.
    We are likely to have to actually see what the fees look like for these programs.

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  61. In the last couple months we’ve seen a large amount of Health
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    launched by the Health and Human Services Section. Every time that takes
    place, the media gets keep of it and all varieties of articles or blog posts are
    prepared in the Wall Road Journal, the New York Situations,
    and the Television set network information programs communicate about it.
    All the analysts begin chatting about the
    pros and drawbacks, and what it implies to firms and folks.

    The trouble with this is, quite a few periods a person author looked at the
    regulation, and wrote a piece about it. Then other writers begin employing items from that initial post and rewriting parts to fit their write-up.
    By the time the information receives greatly distributed, the genuine regulations and regulations get twisted and distorted, and what actually
    exhibits up in the media sometimes just does not definitely characterize the actuality of what the laws say.

    There is certainly a large amount of misunderstanding about what is heading on with ObamaCare, and
    one particular of the factors that I’ve found in discussions with
    clientele, is that there’s an fundamental set of myths that
    folks have picked up about health treatment reform that just are
    not true. But because of all they’ve read in the media, men and
    women think these myths are in fact real.

    Today we’re going to converse about 3 myths I listen to most typically.

    Not all people believes these myths, but enough do, and many others are uncertain what
    to consider, so it warrants dispelling these myths now.

    The initially 1 is that health and fitness care reform only impacts uninsured men and women. The next a person is that Medicare rewards and the
    Medicare program is just not likely to be influenced by wellbeing care
    reform. And then the past just one is that wellness treatment reform is likely to lessen the fees of health care.

    Wellness Care Reform Only Influences Uninsured

    Let’s appear at the to start with myth about health and fitness treatment reform only impacting uninsured folks.

    In a good deal of the discussions I have with shoppers, there are a number of
    expressions they use: “I currently have coverage, so I won’t be impacted by ObamaCare,” or “I will just continue to keep my grandfathered overall health insurance plan program,” and the past 1 – and this 1 I can give them a minimal bit of leeway, for the reason that component of what they’re saying is
    legitimate — is “I have group overall health insurance coverage, so I is not going to be impacted by health and fitness treatment reform.”

    Properly, the truth is that health and fitness treatment reform is
    actually going to have an effect on all people. Beginning in 2014, we are heading to
    have a complete new set of overall health designs,
    and those people options have really prosperous positive aspects with heaps of
    extra features that the present ideas now will not supply. So these new plans are likely to be bigger price.

    Health and fitness Treatment Reform’s Effect On Men and women With Wellbeing Insurance coverage

    Persons that currently have health and fitness insurance policy are heading to be transitioned into these new options someday in 2014.
    So the insured will be directly influenced by this simply because the health and fitness plans they have today are likely away,
    and they will be mapped into a new ObamaCare prepare in 2014.

    Wellness Treatment Reform Influence On The Uninsured

    The uninsured have an added situation in that if they don’t get wellbeing insurance policy in 2014, they experience a mandate penalty.
    Some of the balanced uninsured are likely to
    look at that penalty and say, “Properly, the penalty is one% of my modified gross money I make $50,000, so I am going to pay out a $500 penalty or $one,000 for wellbeing insurance policy. In that case I will just consider the penalty.” But both way, they
    will be right afflicted by wellbeing treatment reform.
    Via the mandate it affects the insured as effectively as the uninsured.

    Wellness Treatment Reform Impact On Individuals With Grandfathered Wellbeing Options

    Men and women that have grandfathered wellness insurance
    policies programs are not going to be specifically influenced by overall health care reform.
    But simply because of the life cycle of their grandfathered
    well being prepare, it can be going to make these options extra high priced as they find out
    that there are designs available now that they can quickly transfer to that have a richer set
    of added benefits that would be additional beneficial for any serious health problems they could have.

    For people today who remain in those people grandfathered strategies, the pool of subscribers in the
    system are going to get started to shrink, and as that happens,
    the value of those people grandfathered overall health insurance coverage
    programs will improve even quicker than they are now.
    For that reason, men and women in grandfathered health and fitness options
    will also be impacted by ObamaCare.

    Wellness Care Reform Impact On Men and women With Group
    Wellness Coverage

    The past 1, the compact group market, is going to be the most notably affected by well being care reform.
    Even although the wellbeing treatment reform regulations
    predominantly impact substantial and medium-sized firms, and businesses that have
    50 or additional workforce, scaled-down companies will also be influenced, even though they are exempt from ObamaCare
    alone.

    What quite a few surveys and polls are commencing to demonstrate
    is that some of the firms that have ten or much less employees are heading to search very seriously at their
    choice to drop health and fitness coverage coverage entirely, and no lengthier have it as an price of the firm.
    Rather, they will have their staff members get well being coverage via the wellbeing insurance policies exchanges.

    In truth, some of the carriers are now expressing they foresee that up to fifty% of small groups with 10 or fewer workforce
    are going to fall their well being insurance coverage
    prepare sometime amongst 2014 and 2016. That will have a pretty large result
    on all persons who have team wellness coverage, particularly if they’re in a
    person of these compact companies that drop health and fitness
    coverage coverage.

    It’s not just uninsured that are going to be afflicted by health treatment reform,
    all people is going to be impacted.

    Wellness Treatment Reform Will Not Impact Medicare

    The next fantasy was that wellbeing treatment reform would not affect Medicare.
    This 1 is kind of amusing simply because suitable from the pretty get-go, the most noteworthy cuts were particularly targeting the Medicare
    application. When you glance at Medicare’s part
    of the all round federal, you can see that in 1970, Medicare
    was 4% of the U.S. federal finances, and by 2011, it had developed
    to sixteen% of the federal spending budget.

    If we appear at it about the last ten several years, from 2002 to 2012, Medicare is the quickest
    expanding portion of the main entitlement packages in the federal governing administration, and it is developed by almost 70% in the course of that interval of time.

    Simply because of how massive Medicare is and how speedy it’s rising, it’s one of the vital courses that ObamaCare is attempting to get a deal with on,
    so it won’t bankrupts the U.S. Medicare is heading to be impacted,
    and in actuality the first cuts to Medicare
    have previously been set at about $716 billion.

    Medicare Edge Cuts And The Results

    Of that $716 billion minimize, the Medicare Advantage software gets slash the most, and will see the bulk of
    the consequences. What that is heading to do is increase the premiums persons pay for
    their Medicare Edge designs, and lessen the added benefits of people plans.

    Elevated Medicare Edge Prices

    Right now, quite a few men and women pick Medicare Gain ideas since they have zero premium.
    When provided a choice on Medicare strategies, they look at
    it as an straightforward selection for the reason that it truly is
    a totally free program for them, “Certain, I get Medicare added benefits, I don’t shell out just about anything for it why not.” Now they’re likely to see Medicare
    premiums start out to climb, and go from zero
    to $70, $80, $ninety, $a hundred. We have currently found that with some of the Blue Cross Medicare Edge ideas this calendar year.
    It can be likely to get worse as we go ahead in the potential.

    Diminished Medicare Gain Rewards

    In purchase to limit the premium raises, what several Medicare Edge options will do is improve the copayments,
    increase the deductibles, and alter the co-insurance plan costs.
    In order to keep the premiums down, they are going to just force far more of the
    expenditures on to the Medicare Gain recipients.
    Improved premiums and lowered gains are what we are going to see coming in Medicare Advantage system.

    Fewer Medicare Physicians

    And then if that was not bad more than enough, as Medicare health professionals start
    off acquiring lessen and lower reimbursements for Medicare Edge people today, they are likely to cease taking new Medicare Gain recipients.
    We’re going to see the pool of doctors to guidance persons
    in Medicare starting up to shrink as very well, except if variations are manufactured above
    the class of the subsequent 5 yrs. So Medicare is heading to be afflicted, and
    it can be heading to be influenced radically by well being treatment reform.
    Everybody’s kind of on pins and needles, ready to see what is actually going to materialize there.

    Wellness Care Reform Will Decrease Health care
    Charges

    The previous a single, and almost certainly the major fantasy about
    wellness treatment reform, is everyone contemplating that ObamaCare will minimize health
    care expenses. Which is completely hogwash.
    Early on in the approach, when they have been trying to
    arrive up with the procedures and polices, the emphasis and just one of the goals for reform was to minimize healthcare costs.

    But someplace along the line, the goal basically shifted from charge reduction to regulation of the well being insurance policies marketplace.
    At the time they created that transition, they pushed expense reductions
    to the back again burner. There are some smaller price tag reduction components in ObamaCare,
    but the actual emphasis is on regulating health and fitness insurance coverage.
    The new programs, for instance, have considerably richer gains than numerous programs these days:
    richer gains means richer rates.

    Overall health Treatment Reform Subsidies: Will They Make
    Options Very affordable?

    A lot of individuals hope, “The subsidies are heading to make health and fitness insurance policies ideas much more very affordable, is not going to they?” Certainly, in some situations the subsidies will assistance to
    make the programs affordable for individuals. But if you make $1 as well a lot, the economical plans are all of a sudden going
    to turn into incredibly expensive and can value countless
    numbers of pounds more above the class of a yr. Will a subsidy make
    it affordable or not very affordable is actually subject to debate at this place in time.
    We’re going to have to truly see what the prices glance like for these ideas.

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