Looking Both Ways

One of the earliest lessons we learn as we make our way into the world is to “look both ways before we cross the street.” We heard it as children and have said it to our own. From a business perspective,– looking both ways translates more broadly to knowing that before you head out in a new direction, you must pay attention to the world around you.

j0402780[1]Understanding Environment

“Looking both ways” reminds us of the importance of taking a look at our environment. As we prepare to cross our first street, we are leaving the comfort of what we know with a goal of moving to a new location – the other side of the street.

As business people and businesses – to be successful and achieve our goal safely – we need to know:

Where we are…

Where our customers are…

Where our competition is…

Where our competition is going…

Where WE are going…

What resources we need to get there…

&

Where do we get them?

Why say we need to know where we are? It’s obvious, right?

Not always. Often we are so busy trying to achieve the next objective or goal that we forget to step back and assess where we are today. If we do not take the time to really look at where we are today, we may miss those important “little things” that can have a major impact on to where we want to go.

As we look at where we are, there are some important questions to ask. Some are based on what the organization looks like inside while others are external, how others see you. Both are critically important.

So take the time to look both ways, it can make all the difference in your journey.

Thanks for stopping by.  Stay Tuned…

Joan Koerber-Walker

 

The Difference Between Knowing and Doing

One of the great secrets to getting better results in your business is the difference between knowing something and doing something.

j0398745[1]Very often when you read a business book, blog or article, you may say to yourself, “I know that already.” And, you probably do.

The question is not if you know it – but rather, are you doing it? Are you using the knowledge?

As we build our strategy for better business results we must USE all we know and apply it to where our business is and where we want to take it to.

Next time you read about a business strategy or process improvement and recognize it as conventional wisdom, take the next step and try to list the ways that you and your company are actually demonstrating it.  You might be surprised what you find.

Ask Yourself…

Are we doing this?

Are we consistent?

How can we do this better?

The key here is the “WE”. Very often we assume that since we know what to do, others in our organization also know – and it is not always true. The key is to share what you know with your team and to act on it – together.

  Thanks for stopping by.  Stay Tuned.

Joan Koerber-Walker

Want more business – Get a Map!

The Impact of Services Mapping on Employee and Customer Enthusiasm

In today’s challenging business environment, creating and maintaining customer enthusiasm can make the difference between business success and business extinction.

j0402776[1]Customers have more choices than ever before and expect higher and higher service levels relative to

· product and service information 

· choice between service offerings

· tailored or custom services

· quality of delivery

· the quality of the buying experience

Across industries, companies are discovering that of these 5 customer demands, the greatest is that of the buying experience.

While a customer will forgive a service failure that is corrected promptly by a company’s enthusiastic employee ambassador, customers will migrate quickly from companies whose employees feel disenfranchised, even if the service is performed as promised.

But what is an employee ambassador, and where do you find one?

The answer is simple, employee ambassadors are all around you. They are each member of your organization who touches a customer – directly or indirectly. To create enthusiastic employee ambassadors, organizations must provide a support system to foster enthusiasm that includes:

· A consistent culture that reaffirms that each employee is key to the company’s success

· A commitment to process, structure and continuous improvement that allows the employee to make promises to customers and gives the employee faith that their promises will be kept.

As companies aggressively pursue the development and growth of services offerings and services revenue, it has become increasingly important, in fact, imperative for these firms to provide a consistent level of process, support and flexibility to support employees in their quest of keeping promises to customers resulting in the growth of high levels of customer and employee enthusiasm and the resultant customer loyalty and profitability.

All of us want our employees and customers to be enthusiastic about the products and services we provide. Employees can not be enthusiastic if they feel that they can not deliver what is promised, and customers will loose enthusiasm and go elsewhere if promises are not kept. The question is how do we create that enthusiasm and keep it? One tool, created at Arizona State University, is the process of Services Mapping.

Customer Enthusiasm SCC

Cross functional teams across the spectrum of a product or service delivery create a “map” of the product and service delivery systems. The map is broken down into five levels:

Customer View & Evidence:  What does the customer see in the way of marketing materials, articles, and information about the product or service that brings them to your door?

Customer Contact: What does the customer experience when they first make contact with your Organization?

On Stage Employee: What are the tools, attitudes, and systems in place to support a positive employee/customer interaction and the employees confidence in making promises to customers?

Back Stage Employees:  What are the tools, attitudes, and systems in place to support a positive interaction between the front line employee and those they must rely on behind the scenes.

Resources:  What are the physical, financial, and technology resources on stage and back stage employees need to keep promises to each other and ultimately to customers.

The Services Mapping process:

· Provides an Overview so employees know “What to Do” when things go right and when they don’t.

· Identifies weak links in the chain, so promises are kept more often!

· Defines the Lines of Customer Interaction between customers and employees so the employee recognizes where they can have the most impact to the customer experience and the company’s goals.

· Defines Lines of Internal Interaction defined between departments

· Provides a basis for identifying and assessing cost, revenue, and capital invested

· Creates a baseline for use in customer satisfaction and quality improvement efforts

When service delivery processes work, promises are kept, employee enthusiasm increases and it spreads to customers. The result is greater profits as customers stay, and more importantly, through their enthusiasm, bring more customers via the strongest marketing tool in the arsenal, customer referrals!

Thanks for stopping by.  Stay tuned…

Joan Koerber-Walker

Turning Things Around in 2009

What was your New Year’s resolution?  Mine was to talk to at least two different people every day about what’s happening in our economy and to explore opportunities. 

It had gotten to the point where I was afraid to turn on the radio, TV, or open the paper.  The news was just too depressing.  So I resolved to reach out into my community and observe things first hand.

Since January 1st,  I have met with and spoken to a lot of people in Arizona, across the US, and even abroad.  And what I am hearing is encouraging.  Yes, times are tough, but people are moving forward, innovations are happening, businesses are making changes to speed their recoveries, and investors are looking to invest in solid business plans.  As I meet with friends and business colleagues, they in turn have introduced me to their friends…and I have returned the favor.

Here are just a few of the wonderful things I have uncovered in my search for opportunities…

  • One of my friends was working with a company with a great new product and service concept.  They were getting ready to reach out to investors and showed me their developing plan.  I even got to make some suggestions.  Hopefully, they will help this company raise their next round of funding.  They have a great concept. 
  • I spent time with two executives in Detroit.  One from GM and one from Ford.  Some of the stories they shared were sad, but there were glimmers of hope as they talked about new developments and what those companies were doing to turn things around.
  • A biotech researcher in San Diego was bubbling over with excitement when she shared news about a new development in the lab that could improve an long-standing medical process and ultimately save thousands of lives when it is brought to market.  I told anther friend about it and he introduced me to the person I needed to meet to move the process along.
  • A manufacturer in Arizona has created a new system to help restaurants be more competitive, improve processes, and save energy.  Their business is growing by leaps and bounds.
  • An architectural  glass distributor in Michigan has taken their business global and not only grown substantially but has won high honors and awards along the way.
  • Over the last weeks I have met with people looking to buy businesses and re-capitalize them, not just saving jobs, but with future growth… creating them.  Oh, and they are finding the money for it too!
  • Meetings have brought me in contact with incredibly talented CEO’s and executives who are looking for their next big project.  They were not sitting at home or hitting the links.  They were out there just like me, sharing their expertise, serving on boards of directors, mentoring others, and helping to get things moving forward again.

With all of these encouraging stories bolstering my courage, I was brave enough to open the newspaper again. And what did I find?  Well yes, there was news of layoffs and filings for Chapter 11 BUT there were also NINE full pages dedicated to positive stories just like mine.  Stories of business owners and individuals sharing how they too are staying ahead of the downturn. 

I’ve made it though seven months of keeping my New Year’s resolution.  I think I’ll stick with it.  Wouldn’t you?

Thanks for stopping by.  Stay  Tuned.

Joan Koerber-Walker

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Want to Grow your Small Business? Be Bankable.

Just as plants need water to grow – growing companies need cash.   Why do you think they call it liquidity.

j0434131[1]So many times small business owners have trouble raising the cash they need to grow – not because it is not available but because they did not follow some basic steps to make their company bankable.

We know that as individuals, we need to develop a credit history, pay our bills on time, and start small with our personal credit and build it up as we go.  Why do we expect our business to be any different.

Here are some tips you might want to consider if you want to improve your bankability:

1.  Your tax advisor may be saving you money on taxes and destroying you future ability to get a loan.  Banks look at historical documents like your P&L, Balance Sheet and TAX RETURNS as part of the data they use to decide if you are credit worthy.  They need to have confidence that you will be able to repay what you borrowed.  Year after year of tax returns showing little to no profits is NOT a way to inspire confidence in your banker.

2. Get a personal business banker.  It’s free!  Of all my professional services providers – accountants, auditors, lawyers, etc.  Only my personal banker spends the time to counsel me without handing me a bill for his services at the end.  Plus – the more they know about my business, the more likely they are to introduce me to other businesses that might help my business grow or go to bat for me when I need it.  When we grow – they grow as more money goes into my accounts and their bank.  Its a win-win situation.

3.  Start small and work your way up.  Open a line of credit for a reasonable amount to begin.  Use it – pay it off.  Use it – Pay it off.  Show the bank that you know who to manage your credit relationship wisely and they will often reward you with higher lines of credit.

4.  Understand the different types of credit and diversify your portfolio.  Many banks have great resources on line to help you calculate  the type of credit that is right for you.  A good example is Comerica Bank – one of the top small business lenders in the country.   Go to www.ComericaBank.com  and click the Small Business or Corporate tabs based on your company size.  It is full of great information PLUS calculators to help you determine the right type of credit for what you might need.

5. Monitor your progress.  Talk to your personal business banker.  Know what your Dunn and Bradstreet profile says about you.  Create a credit portfolio and manage it like you do your stocks and other investments. 

So you might want to work on your business credit – you never know when you might need it!

Thanks for stopping by.  Stay Tuned…

Joan Koerber-Walker

A Time for Growth – the era of the entrepreneur

Recently, I had an opportunity to share ideas with a group of legislators, educators, and business leaders on the role of the entrepreneur – now and in the future. Any time you get a group together, getting agreement can be a real challenge. But on one area we had unanimous agreement – Entrepreneurs and entrepreneurial activity in both the private and public sectors will be a significant driver out of our current situation and for long term economic growth in the years to come.

 More and more Americans are starting or running their own businesses –

j0439328[1]There are a number of factors driving a change in how many of us view work today. In the last five years, during both the up cycle and our current down cycle, many workers left traditional jobs in corporations and explored new alternatives.

In some cases, what they found was more rewarding than their former jobs and they will not be going back to the corporate world again. They have opened consulting practices, restaurants, retail establishments and on-line businesses to name a few. 

Others will return to more tradition employment as the current job cycle corrects itself.

Additionally, population demographics are changing. In 2010, over one half of the world population will be over 50 years old and the average life expectance in the U.S. will be approaching 100! People will be healthier, more active, and less likely to retire, but will want the flexibility of non traditional jobs. A new entrepreneurial or self employed life style is very attractive to many of the people embarking on their ‘second 50 years’. In many cases, ”Boomers” have or have access to the resources and key factors for starting or growing a business – education, talent, experience, and the drive to create something new and different. .

Are you a “-preneur”?

An entrepreneur is someone who organizes, operates, and assumes the risk for turning an idea into a business venture while an intrapreneur is a person who does the same thing within a large corporation. In both cases, you take direct responsibility for turning an idea into a profitable organization or finished product through assertive risk-taking and innovation. The prefix before the “-preneur” simply shows where you are in the organization when you are driving change and growth. When at the helm of my own company – I am an entrepreneur. When working with clients – they have the ultimate responsibility and my job is to help them as the entrepreneur or intrapreneur. I like to think that as a “-preneur” you can make things happen – no matter what the structure of the organization you are in.

Is being entrepreneurial enough?

Not if you want your business prosper over time! The purpose and values of an organization are the next KEY to growth.

Defining the core purpose of an organization is actually the process of centering in on what you really care about – what you are really good at – and in the area where these activities come together – what you can do that creates a degree of value that people will pay you for. This is your core purpose or the primary reason that you are in business. If all of your strategy, goals and activities are focused only on what satisfies each of these three criteria, there is a much higher probability for success. Conversely, activities that do not fall in these areas are opportunities for outsourcing or partnerships.

The basic premise is to do what you do best and for the rest – partner with whoever is best at it. This defines WHAT you do as a company. The next key factor is HOW you will accomplish it. This is where values come into play. An organization’s values define how they do things. We always talk about how a company does something but the reality is that it’s the people inside that make things happen.

People’s values determine how they do things. How they act. How hard they work. How creative they will be. If you can match the values of your organization to the values of the people who are in it (or come into it), you’ve got a winner. When people share the same values, they don’t have to be motivated. They already are motivated. They find new ways of doing things. They focus on the customers. They make things happen because they believe in what they are doing.

Are you ready to grow…

j0439318[1]Be sure that growth fits in with your core purpose and values. Very often we see an opportunity to grow and we jump into it before we take the time to fully evaluate what it means to our business in the long term. Growth for growth’s sake can be very dangerous. Companies that grow too fast can lose their focus, confuse their employees or adversely affect the quality their customers have come to expect. In the most extreme cases they can even run out of cash and without cash everything stops. Here are a couple of questions every company should ask themselves as they move towards growth:

  1. Does the new product, location or service fit into what we have defined as our core purpose?
  2. Do we have the operational and financial resources to support the levels of quality and service our customers have come to expect from us?
  3. What should we be measuring each step of the way through the growth process to ensure we are continuing to move in the right direction?
  4. Who are the partners we work with who can help us with this growth and how can they help us? What are they best at?

The best advice…

Find something you can get really excited about. Starting any new business – or growing an existing one – is hard work and few pay off right away. You need to really care about what you are doing. It keeps you energized and enthusiastic when things get tough.

Once your business is established, use your passion, your purpose, and your values as a guide. Find employees and partners that share your passions and values. Together you can’t help but grow!

Thanks for stopping by…

Joan Koerber-Walker

 

Heading Back to School

It seems like only yesterday that we were celebrating high school graduations, ramping up for fun in the sun, and celebrating not having to make an early morning run to the bank or Safeway at the crack of dawn for the weekly lunch money! But before too long, it will be time to head back to school.

back to schoolWhether you are sending your first grader off to his first big adventure, sending out a senior with dreams of diplomas dancing in her head, or making the journey yourself, the first day of school is a big deal. Heading back to school brings changes – new experiences and friends, new challenges and successes. How you achieve success is up to you – a little planning can make all the difference. Are you ready?

So as you prepare for the 2009/2010 school year, here are 7 tips to help you through whether you are a parent coaching a first grader, a seasoned veteran of the homework wars, or a returning life long learner:

1. Set a goal

Ask yourself or your student – “What do you want to get out of school this year?” This gives you a ruler you can use to measure your success. A friend of mine likes to say that “What gets measured gets done.” Good grades of course are a common goal, but that is not all you might shoot for. Get creative with your goals – something like – “learn something new every day” – keep it in a journal so you can look back at it at the end of the year. Another goal might be to get involved in a club, a sport, or a study group so that you add a little spice to your regular learning diet. .

2. Create a system

The next step in making the most of your back to school adventure is to create a system to help you achieve your goals. It would be nice if all we had to do was dream it and it was so, but usually it takes a little more than that. Even Itzhak Perlman, one of the greatest violinists of our time still has to practice – carefully – everyday. Being great takes more than just luck or talent, it takes planning and hard work. Ask yourself…

3. “Who do I want to be at the end of this journey and who can help me get there?

Will you be a scholar – embracing knowledge for the love of it – or perhaps, you wish to be a teacher or tutor, sharing your knowledge with other students.- or maybe your goal is just to get through – gaining enough knowledge to meet the requirements for moving on to the next level while you focus your energies in other areas. It could be all of the above, or none of the above, the choice is up to you. The trick is – make it part of your goal and your plan to choose.

4. “What tools can I use to achieve my goals?”

There are many tools you can use to help you achieve your learning goals. Some are simple – a notebook, a pencil, a compass, or perhaps an eraser. (Nobody’s perfect.) Perhaps your phone can be a tool. Use a smart phone like the Motorola Q® or a Blackberry or PDA to manage your schedule of assignments or even use your camera phone to capture a blackboard full of notes. Phones today have everything from the cameras to calendars, and calculators to the Internet.

Fill a backpack with the tools you need, from snacks to keep up your energy, to reference books, or a planner if you choose a lower tech solution to keep things organized. But beware the bottomless back pack. It’s the nemesis of every helpful parent and erstwhile student. Bottomless backpacks eat notes and assignments. Backpacks are useful for carrying things, but if it all goes in – to never again see the light of day – they can be more hindrance than help! Use your tools wisely along your journey.

5. “Where will I go to focus?”

Get the lay of the land. Find your learning place. When I went back to get my MBA after 20 years, I knew that my study skills and lifestyle had changed. Now I had so many distractions – work, family, dumb things I needed to do. I needed a place where I could focus without any distractions. I tried setting up a place at home, but that did not work and even if I went into the office early – the day to day distractions followed me there. Finally I found a Burger King® around the corner from my office. They opened at 5 AM and were more than happy to let me study at a corner table. I had my breakfast and did my school work until 7AM before packing up and heading to work. The staff all thought it was funny and even became part of the plan – bringing me refills as I worked through my text books and even flowers when I finally graduated! Where will your learning place be? Find a quiet corner in your home, at the library, or anyplace where you can set yourself up, stay quiet and focus on what you need to do to learn. If you are a parent working with a young student – help them set aside their special place. Let them know that it is their little corner of the world. You are just around the corner if they need you, but it is their place!

6. “How will I focus in on achieving my goals?”

How we get in focus works differently for everyone. Some of us may use music to tune out the rest of the world’s distractions, others may need perfect quiet. If you are a fan of The Secret set up a Vision Board to help keep the positive thoughts around your learning goals in focus. A vision board is a simple tool. It can be a framed collage of the positive things you want to achieve – a picture of a report card will high marks, a diploma, or the college you want to go… Perhaps on your vision board you also have a picture of what you will do after school is through – a dream job or a get away location. If your learning place is outside of your home, use the front of your notebook or binder to make a portable Vision Board you can carry with you. Look at your Vision Board every day – see yourself achieving your goals, then buckle down and do what you need to do to get there.

7. “Whose job is my success?”

The answer is you. Each student must accept responsibility for achieving their goals. It is not the teacher’s job or a parent’s role force study or get necessary assignments in on time. YOU must make the commitment to your learning and to your goals. If you are coaching your children through the learning process, help them understand why what they are doing is important for them – not for you. “Do it because I said so” is not a learning motivator. Help them understand how what they are learning will help them get what THEY want. The job of a parent as learning coach then gets 100 times easier! Never nag a child about homework – it turns learning into a chore and defeats the purpose. You get frustrated, they get frustrated and you head into the homework death spiral. Instead – create a No Nag Contract with your student (or yourself). Come to an agreement where if “A”, “B” and “C” get done correctly and on time – then NO Nagging! This gives your student a chance to control their destiny and makes your home life a whole lot more pleasant!

Celebrate Success

Last but not least – as you are learning and achieving you goals – take time out to celebrate your little successes along the way. What is the point if you are not having some fun as part of the process? Reward yourself or your student with a movie, a walk in the mountains, or even a hot fudge sundae (my personal favorite!) Interim goals and the small successes that you celebrate generate the energy you need to succeed in making your long term learning goals a reality. So take a minute – chill out – look at your vision board – or just imagine what it will be like next May – when summer vacation rolls around again.

Thanks for stopping by.  Stay Tuned…

Joan Koerber-Walker

Making Cents of Your Health Insurance Dollar

As President Obama continues to lobby the American people and Congress on Healthcare Reform, talk of change and what it means to average Americans travels from the board rooms of global corporations to the kitchen tables of homes across the country.

In quite a number of discussions, this quote sums up the feelings of many people I have talked to.  “Spare me the details – I just want to know what Healthcare Reform will mean to me.”  If this is how you feel, than this short video from CNN Money might help answer the question.  CNN Money video

One of the major components of the President’s plan is to require almost everyone to have some form of health insurance – tackling the current social and economic  burden of a population of approximately 47 million Americans who are uninsured.  This will add approximately 47 million Americans into the existing insurance pools of either government provided insurance, employer provided insurance or private insurance.  You can find the current breakdown by coverage class in my related post earlier this week.

That being they case, I thought it might be helpful to look at where our insurance dollars go.  To do  that, I referenced the bi- annual report on that information from the same industry report that was referenced by the Senate.  In January of 2008, Price Waterhouse Coopers published research on health insurance costs as commissioned by America’s Health Insurance Plans.  This link takes you to the full report. The Factors Fueling Rising Healthcare Costs 2008

The graphic above shows the break out of the pool of dollars that make up the  employer and private health insurance spend. Looking at the graphic, 13cents of each dollar goes to corporate profits, administration and sales and marketing support.  The other 87 cents goes towards the basics of helping us stay healthy, diagnosing illness or other medical conditions, and treatment.

So if we are going to lower healthcare cost, realistically, the focus will fall predominately in the area shaded in aqua – that 87%.  It is in these areas where we have the greatest opportunity to use American innovation to improve the healthcare process.  Information technology enhancements in the area of medical records management can help us reduce duplicate tests and better manage patient care.  New biotech diagnostics currently in development will allow us to detect and diagnose diseases earlier – thus greatly reducing the total cost of treatment by addressing small problems before they become big ones.   But technology and process improvement alone will never be the answer. 

We, the people, will also need to make some changes in our behaviors if we are ever to really get things under control.  Here are a few things each of us can do to put the health back into healthcare:

  1. Get a check up.  85% of Americans, who have health insurance, do not get an annual check up.  Yet studies by Medicare and Medicaid have shown that if we detect and diagnose chronic disease early we can avoid as much as 90% of the costs of treatment. And, chronic disease represents almost 70 percent of the medical services spend. 
  2. Take a walk.  It is estimated that approximately 31% of Americans are either clinically overweight or obese.  This condition has been directly correlated to a wide range of chronic conditions including Diabetes, Heart Disease, Stroke, Hypertension, some types of Cancer, Sleep Apnea, Osteoarthritis, and Gallbladder Disease.
  3. Ask questions and talk to your doctor.  Whether in your annual exam or during treatment, take an active part in the healthcare discussion.  Ask your doctor what you can do to be proactive about managing your health and your healthcare spend.  Very often a few extra minutes can leave you with good information, ideas, and in the case of treatment sometimes more cost effective alternatives.
  4. Understand what your healthcare plan has to offer.  If you have a bad health habit you want to break, many plans offer free services to help you.  Pull out that booklet they send you once a year and look.  You might be surprised at the resources you are paying for that you have never used.

President Obama may or may not get everything he wants out of Congress this year in the way of health care reform.  And even if he does, the some of the changes will take years.  But we can each start our own healthcare recovery plan today – if we choose to.

Thanks for stopping by. Stay Tuned…

Joan Koerber-Walker

Healthcare: A Perfect Problem with No Perfect Solution

In the United States, we have two “perfect problems”: our Healthcare system and our Taxation system. What makes these problems perfect is their absolute complexity and an almost universal agreement that a problem exists.

The focus of this article is on healthcare.  I’ll leave taxation for another day – even though eventually our country will not be able to truly address one without the other.

[youtube=http://www.youtube.com/watch?v=HKOfXlB_3Wo]

Up until December of 2006, I did not think a lot about healthcare.  It was something I had, something I paid for, and with the exception of annual check ups for my family, something that I rarely had to use.  I knew it was a problem, but it was not necessarily mine. That changed December 21, 2006 when I became the CEO of the Arizona Small Business Association, and had to answer to and speak on behalf of our 3,000 business members and through them over 200,000 employees. 

The more I researched, surveyed, and listened; the bigger the problem became.  And I was just looking at one state, and within that, only one subset of the population, small business owners and their employees.  Yet both in our state and on a nationwide basis estimates from both the Federal government and independent agencies estimated that of the 45 million people plus who lacked health insurance, approximately 60% of them either owned or worked in a small business.   The constantly rising cost of health care was a burden these businesses were struggling to battle.  Others were starting to give up hope that anything could be done.

LOOKING AT THE NUMBERS:  HEALTH INSURANCE COVERAGE IN THE UNITED STATES

Source: Income, Poverty, and Health Insurance Coverage in the United States: 2007, p.69

hc-numbers-chtThe chart at right shows the estimated U.S. population (as of 2007) and the breakdown of the insured/uninsured and where the insurance comes from.

But as we all know, there have been some pretty significant economic factors since 2007 that probably shift these numbers upward in the areas of both government provided program and the uninsured due to the significant change in the unemployment rate (4.7% in June of 2007 vs. 9.7% in June 2009) and the continuing economic pressures on businesses of every size.

With a problem this large, it’s hard to have any impact.  Especially when it’s also highly complex and politically charged.  At the state level we had various mandates, imposed and proposed, that were continually driving the costs up.  A state provided program for small business had serious limitations and flaws not to to mention a serious deficit that threatened its sustainability.  The whole thing was a mess. 

I had learned a long time ago that it is almost impossible to tackle a really big complex problem – but that if you break it into little ones and tackle them one at a time, you can make headway.  So that is what we did.

First we framed the problem with a set of goals.  Our conditions for success were the following:

  1. It had to be available to any business of any size (even groups of 1) without limitation.
  2. It had to cover the entire state AND provide coverage for employees out of state.
  3. It had to provide the same level of quality care and service that was available to employees in a Fortune 500 company.
  4. Coverage had to be guaranteed issue with no pre-existing conditions limitations as long as there had been prior qualified coverage and pricing and eligibility would NOT be determined by health status of the employees.
  5. It had to be reasonably affordable and competitive.

The next step was to look at what resources we had to work with and to identify potential partners.  We reached out to corporate partners, legislators, the Governor’s office, and national organizations to see what was available, what we could work with or what we could change.  Through a combination of negotiations, partnerships, and collaborations, we were able to design a plan that met all five of our defined goals and launched it 10 months after we started the process.  To see the full details of the program, visit the ASBA website

Now, this program did not solve the national problem, but it did provide a solution/option for the community we served across the state of Arizona. AND, it did so without a single taxpayer dollar.  Best of all,  from 2007 to 2009 the gross increase in premium was a total of THREE percent while at the same time the program benefits were enhanced – not reduced.

So my question is this.  Perhaps, while they battle in Washington tackle the perfect problem of Healthcare Reform – and fight over every sacred cow.  Maybe, just maybe, individuals like you and me, in our little corners of the country can build viable solutions by breaking the problem down to smaller more manageable chunks and tackling them one at a time.  That way WE can solve the problem and THEY can keep on talking.

Thanks for stopping by.  Stay Tuned…

Joan Koerber-Walker

P.S. While I no longer serve as the CEO of the Arizona Small Business Association, my time there taught me something very important.  There is very little that can not be accomplished by American small business with a little hard work. collaboration, and ingenuity.  If we focus on the challenge, frame it properly and get down to work the results can be pretty incredible.