Kaiser Making Big Profits | Apple Turns 50 This Week

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Welcome to the Boys and Girls podcast.

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You're listening to Bill Handel,

on demand from KFI AM640.

Change my chain.

KFI AM640 Handel, you know, good morning.

It is a Monday morning at March 30th

as we begin the non-handel on the news part of the show

where it's after Handel on the news.

And I'll get the times correct.

Just let me go in it.

Thank you.

This is what I do.

You know, this is why I get paid.

And people are astounded that I get paid to do this.

I mean, stunned.

The people actually pay you.

And I go, yeah, they really do.

And you know, shake my head too.

Okay, the No Kings Rally, which happened on Saturday.

And it was a, you know, a rally against the president.

Drawing estimated eight million people.

Now, you don't get eight million people in one place.

There were over 3300 locations.

And it was not just a anti-Trump per se rally.

It was also a pro-democracy.

Other policy issues.

Iran, Epstein, there was, I just went on and on.

So you can't literally look at one issue.

Remember the, well, you don't remember,

but the anti-Vietnam rallies that happened in the late 60s and early 70s.

That was real simple.

It was, let's get out of the war.

That was one message.

These are basically we don't like Trump.

Yeah, they are.

They are.

But there's no King's stuff.

It's, yeah, there's a way they call them.

I love himself.

I get it.

But he's, no one is going to, he's not going to be king.

Well, he's got a concern.

Well, it depends.

It depends on how you define King.

It depends on how you define King.

As I have said,

Oral sex is sex.

Yeah, but that's not a king.

I love King's stuff.

Depending on how good Monica Lewinsky actually was, that's very kinglike.

The point I'm making is,

Donald Trump has, it just literally is stretching the bounds of presidential power

to where you say, this is the power of a king.

For example, arbitrarily committing this country to war just on his own accord,

even though the Constitution doesn't let him do that.

That is very kinglike.

And I think that's the argument.

So he's the only one that has ever taken us into a situation that is warlike

that didn't go through Congress.

Come on.

Well, certainly Congress agreed with it when, when a, this now after the fact

Congress came down and said, it's okay.

There were, there was involvement of Congress.

This one is pretty arbitrary.

We haven't been to war since the 40s officially.

Well, that's official, but that doesn't have anything.

That's Congress's, that's Congress's, that's Congress's fault,

allowing the president to do that.

And they, it's more and more and more and more.

Now, this time around with a majority, it's, it's a given that it,

I don't even know why they, why the president would even go to Congress,

because anything, any vote would give him the power to do it anyway.

In any case, do you know that every single congressional district had a,

had a demonstration?

My favorite one, West Palm Beach, a march down president, Donald Trump Boulevard

towards Mar-a-Lago, and he was there too.

Now, the White House, and this is typical of what's going on.

This is just the National Republican Congressional Committee.

So it's not even the White House.

It's just the National Republicans.

The spokesman Mike Maronella said this is all about Trump derangement therapy sessions.

That's all this is.

And of interest only to reporters who are paid to cover them.

The rest of the country didn't even pay attention to a million people.

It's just, well, I don't know.

Now, the organizers crowd count, and this is not verified,

but they put the total at 8 million people,

topping the 7 million estimated to the previous No Kings Day,

and that was in October, and that's the one I went to actually holding up a sign.

And my thing was free press.

I was the only one there that argued for a free press.

And so there were mixed messages, certainly.

And the only larger, and this one kind,

this was kind of a stunner of a stat.

The only larger, single day protest ever held in the United States was in 1970.

And that was the first Earth Day.

And the number of people who participated,

20 million people were at locations and environmental rallies and teachings.

I mean, when you talk about those numbers,

they're absolutely astronomical.

Is it going to do anything?

No, but I'll tell you what this is doing.

And that is, this is a harbinger of things to come.

If it goes this way, and I was talking to Lindsay about this yesterday,

what is going to happen, I think, is towards the midterms.

And if it's going the way it's going,

because President Trump's his popularity is diving.

I mean, it's going downhill pretty quickly.

You are going to see Republicans who, here to four,

said, this is the greatest president who ever lived.

I will back him up no matter what.

This, he is the country.

He is the constitution, just ask him.

And there has never been a president.

Well, you're going to see them pulling back.

Well, I don't agree with everything he said.

Even though I like a lot of what President Trump has done,

I, there are certain things I don't agree with.

You're going to hear a lot of that.

And you may see Republicans just turning right around

in these really close races.

You, you may see them just go the other way.

And so I think that, and this says more,

in terms of a specific rally, it means more big term.

There were some crazy stuff in peach him.

Come on, give me a break, you know, put him in jail.

Stop it.

Now, you just look stupid when you do that.

You really do.

All right, we're done with that.

I wonder how many minorities were out at these things.

It seems like a lot of white people.

Yeah, I think so.

I mean, I don't know how many minorities were out there.

It's a very good point.

We should look at that.

Okay, a story about Kaiser that I want to share with you.

And this was kind of a shocker because I'm a big fan of Kaiser.

I joke about Kaiser killing you half the time.

They don't.

And as a matter of fact, there are a few things about Kaiser

that are extraordinary.

One is their cardio, certainly their cardio operating system,

cardio vascular department.

It's one of the best in the country.

Also neurosurgery is one of the best in the country.

Matter of fact, when I had to replace my valve 15 years ago,

and man, I was looking around.

This is my heart we're talking about.

So I was prepared to go to any place.

And I looked and looked and virtually all roads led back to Kaiser.

It's pretty good.

It's considered the best HMO in the country as a model for HMOs.

Well, guess what?

In February, Kaiser paid $556 million to settle allegations

that it was pushing physicians to have new,

add new false diagnosis to their medical record.

Because Kaiser gets a lot of money from the government too.

A month later, it paid $30 million to settle.

Another case brought by federal investigators.

This one involving claims that it did not provide

and for years, patients with adequate access

to mental health care.

And Kaiser settled that case without admitted wrongdoing.

Bottom line, when any organization,

entity, person, company, settles the case for big dollars

without admitting liability.

Guess what, yeah, and there's without admitting fault.

Yeah, and that's a problem.

Now, do people settle when they are not at fault?

Yeah, they do.

There's companies will look at it, the cost of litigation

and simply say, it's a lot cheaper just to write a check

than go into court and go in front of a jury

and take a chance and spend a $1,000,000 on defense.

But $556,000,000 pays for a lot of defense.

I mean, a lot.

So you wonder, what's going on with that?

Now the numbers and the numbers are absolutely stunning

to say the least.

It's last year Kaiser took in more than $127 billion

in revenue, earning a quote profit of $9.3 billion.

It doesn't earn a profit because it is a charity.

It is a non-profit.

Most of the money was from investments.

It has so much money.

It invests its money and they make most of their income

from those investments.

A smaller share is made from its operations

as well as the insurance premiums.

And of course, premiums have absolutely exploded.

So to give you an idea, and this is, I love this,

this goes right into political speak and PR speak.

First of all, back to numbers.

Kaiser ensures almost one out of every four Californians.

It's both an insurer and a provider of care in a closed system.

So I'm a member of Kaiser.

I have to go to a Kaiser doctor.

I have to go to a Kaiser hospital.

Otherwise, I don't have insurance.

If I'm out of network, I mean, it's not a question

of the insurance company paying less

as the insurance company, which is Kaiser paying none.

So you're stuck with Kaiser.

Now, the bottom line is Kaiser has superb doctors.

Because of the way medicine is practiced,

doctors line up to go to Kaiser.

I mean, tremendous number of doctors

like the way Kaiser works,

but that doesn't mean that you can go anyplace else.

But Kaiser has a lot of centers.

I mean, around where I live in South Orange County,

I've got Kaiser, I've got four Kaiser clinics

around me, one hospital at trauma center,

as well as a bunch of clinics.

So here we go.

Kaiser is accused of all of this wrongdoing

and does not do what it's supposed to do.

And it's a charitable enterprise

which is there to help the public.

And certainly it's members.

So Kaiser wasn't available to comment for this story,

but issued a statement.

I love this.

And tell me a PR hack didn't write this.

Our charitable purpose guides every decision we make.

Driven by our mission,

we offer better care and coverage to our members,

invest billions of dollars in our communities every year,

work to advance high quality,

affordable, equitable evidence-based care

in communities across the country.

And our hospitals are among the best staffed in California

and staffing levels always meet or exceed state requirements.

In the meantime, last month,

the 30,000 nurses and other Kaiser professionals

who walked out in a four week strike

because there weren't enough nurses at the Kaiser hospitals

and there was too much work put on two few people,

which is across the board.

And one of the things about Kaiser is

there really isn't much of a copay.

You don't get billions of dollars in bills.

You really don't.

I remember when I went in for surgery just before I went in

for my first surgery.

I enjoy, I go to Kaiser for surgeries just for fun.

Because I love the food at the hospital.

It's absolutely delicious.

They have gourmet chefs there.

I mean, it's just tremendous food.

And frankly, you're better off eating in a prison.

They are eating at a Kaiser facility,

but this is experience talking.

But the point is, I've done a lot of surgeries at Kaiser

and they did a hell of a job.

They really did.

I'm a big fan of them.

They're just seven, five years old.

And the copay, well, let me put it this way.

Today, going into the hospital is 300 bucks a day.

It used to be free years ago when I started

and then it went to a hundred dollars.

And my plan is I pay five bucks or $10 now.

I pay $10 per visit and I pay $10 per test.

Now, obviously I have one of the best Kaiser plans out there

if you're going to do that low.

But bottom line is it is a big organization.

And it's the partnership too.

You know, doctors are partners in Kaiser.

But you didn't know that.

Now, here is a story I want to share with you.

And this is a tough one.

And that is describing the United States as a country

as wealthy it is, is it is still has people who are hungry.

Now, we don't have starvation, but food insecurity,

that's common.

47 million Americans give or take,

including this is story in the Orden County Register

and about Orange County, but it's national and scope

and also LA County, et cetera.

40, 400,000 people in Orange County,

don't always know where their next meal is coming from.

Or they don't have the money to pay for three meals a day.

I mean, that is crazy.

Now, malnutrition does happen, but, you know,

not often the big year was 2022.

And that was, of course, the pandemic,

over 20,000 Americans died of malnutrition,

straight out starvation.

But most were over 85, or older,

had the underlying health problems,

that's according to the national institute of health,

by the way, that's the real figure.

Now, we have to understand food insecurity

and malnutrition are not the same as starvation.

And we have operated lawmakers, all of us,

under the belief, and it's some accuracy,

not much, that American hunger is more an issue

of nutrition and access.

And dignity is supposed to life and death.

But that's going to be tested.

Come April 1, and we're talking what?

Two more days, there's some big issues.

There's two primary sources of free food in the US.

One, SNAP, the federal supplemental nutrition

assistant program, SNAP program.

And the other one is the network of charitable

food banks and pantries,

which we do more than any place in the world.

And both are going to be changing big time.

First of all, under the one big, beautiful bill act,

there are millions of people that are going to be out of SNAP.

California, we have our own called CalFresh.

And a whole lot of people get fed and eat

with the help of the federal government.

And on the charity side, and Neil, you'll appreciate this.

What is affecting people from eating?

Having food, people who are insecure is AI.

Now, how is AI hurting people that need the food?

And he's Neil is nodding.

It's efficiency.

Yes, because it's going to make things more efficient.

That's exactly correct.

Restaurants, groceries, farmers, people that process lots of food.

That give it to charity, all extra food,

that go to food banks,

well, AI helps them trim food waste.

And so efficiency threatens and does

choke down this pipeline.

And that's the charities that,

well, they rely on big foods edible waste

because we have so much of it.

Now, nobody is predicting instant doom.

Government is not abandoning free food,

but what it is is restricting free food.

And there are new dynamics at play here.

And experts don't really see a solution yet.

Because the world of free food

is according to the chief executive, a bound food care.

And a link industrial food supplier,

the food banks, pantries, says,

the world of free food has been a victim of its own success.

Hunger works in cycles.

It rises and falls with the economy.

And when it becomes particularly acute,

charities pretty much always step in.

The problem is chariaders are getting far less food.

More people need the food.

We have more people that are moving towards unemployment.

It is very, very tough.

And under the federal government,

SNAP recipients are going to be much more restricted.

We're going to see some big changes.

And it's not in the right way.

And certainly not in terms of people eating.

And I'm going to end it with the same statement I made

when I started this segment.

And that is in a country as wealthy as ours

to have people who are hungry.

It's a shame on many, many different levels.

And if you go around the world,

you go to the Scandinavian countries,

people who are hungry just get food from the government.

That's it, it's that simple.

If you can't eat the government jumps in.

Oh my God, well, they're not working.

Well, you know what?

Too bad.

You know, people that aren't working,

I mean, they're going to get food.

They should get fed.

And then they worry about living accommodations,

which is another topic.

And medical care, which is another topic,

but at least food.

And we just don't do it.

Okay.

Do I have a story for you?

First of all, Apple is 50 years old.

And it started as a garage startup,

Steve Wozniak.

And of course, you have Steve Jobs.

And it's celebrating, it's 50th starting in 1976.

Now the second most powerful and biggest company

in the world, 2.5 billion devices out there.

And it is, well, it's become a cult company.

And we know it.

Now, how did this get started?

What was the idea for Apple?

When I interviewed Steve Wozniak many years ago,

I asked him, you know, how did it start

before you and Steve Jobs get together

to decide how to build an Apple?

He goes, well, Steve Jobs didn't have much to do with it

in terms of initially.

It was me.

I go, explain why.

Goes, well, I was an engineer, a junior engineer

at HP, Hewlett Packard.

And in those days, you'd have to stand in line

to use the computer, the mainframe,

those big, huge mainframes.

And they started to use those to figure out problems,

how to figure out how to just create answers

for whatever problem you had.

Well, as a junior engineer, he was always at the back

of the line.

And senior engineers could always cut in front of him.

And he said, there has to be a better way.

I'm just sick and tired of this.

And so he basically came up with the personal computer.

And he went to HP eight times and said,

hey, I've got an idea, a personal computer.

And in those days, the idea of a personal computer

owned by people didn't even exist.

It was only big mainframes, the big IBMs, the 360s.

I mean, it was the first one out there,

took up a whole room.

So it was so foreign to HP and other folks

to have a personal computer.

It wasn't even in the thinking.

Well, Lawsniac and Steve Jobs went in the other direction.

And so Lawsniac was this sort of computer,

early computer genius who sat down and created

the first Apple computer.

He and his best friend, Steve Jobs,

out of Steve Jobs garage sat down

and created, first of all, a motherboard prototype

and then started manufacturing out of the garage,

the first Apple computers.

And then of course, history tells us that the company

was one of the fastest growing companies in the world.

Steve Jobs was all about the design

and the fanaticism to excellence.

And you put those two together in my God,

what a company you have.

And of course, you know all about how it started.

Today Apple 166,000 employees.

And there's a journalist who's written about this

and he says, every company claims to strive for excellence.

That's a trope.

You go inside Apple and talk to these people

and it's a mania.

It's intense to work at Apple

and you are asked for complete excellence.

So how did I get to interview Steve Wozniak?

That's a fun story.

I don't know if you heard of the yes festival.

It was one of the early massive festivals

that was backed up 100% by Wozniak.

He wrote the check.

It cost him $10 million to put this on.

That was the yes or the us?

It was yes, as in yes.

He cost him $10 million and he lost $10 million.

Because tickets basically stopped being sold

and what people did outside of the venue,

there was a big fence outside of the venue.

They crashed through the gate, flattened it

and people came in by the tens, hundreds of thousands of dollars.

So no one bought any tickets.

He lost 10 million bucks on it.

And I was interviewing him and I said,

you lost $10 million.

Doesn't that bother you?

He goes, no, I had fun.

That was it.

That was his answer.

I had fun.

You know, when you have $10 million and you lose it

and you simply write it off as fun,

you know you've got more money than you could ever imagine.

But it was a fun story.

Steve Wozniak telling me specifically

how this whole thing started.

That was one of the best interviews I've ever done

just in terms of interesting people.

Okay, coming up Las Vegas.

Las Vegas is either in a lot of trouble or it's not.

It's either doing horribly or it's not.

Okay, I'll explain that coming up.

This is KFI AM640.

You've been listening to the Bill Handler Show,

catch my show Monday through Friday 6 AM to 9 AM

and anytime on demand on the I Heart Radio app.

Hey, it's Cole Swendell.

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Podcasts, or wherever you get your podcasts.

I'm Lori Siegel, a longtime tech journalist.

And consider my new podcast, Mostly Human,

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Anyone can now be an entrepreneur.

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Each week, I'll speak to the people building that future.

And we're going to break down what all of this innovation

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What I come to realize is that when people think

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If you're trying to keep up with everything happening

on and off the court, we've got you covered

on the podcast, flagrant, and funny.

You look at the top four number one seeds.

What do you think UCLA is going to do?

Break down that for me, my friend.

Obviously, Yukon is the overwhelming favorite in this tournament,

but I'd be honest.

I think people are kind of sleeping on Texas.

Experts are suggesting that UCLA is the number one challenger

to Yukon and that right after that would be Texas.

S&C is so deep and so thick and just about everything.

It really is annoying.

So it's UCLA, Texas, South Carolina, LSU,

only ones that could possibly upset Yukon.

On flagrant and funny, we're giving our unfiltered takes

on the biggest moments of the conversations everyone's having.

So whether your bracket is busted,

or you just want the latest on the tournament, we got you.

Listen to flagrant and funny with Kerry Champion

and Jamel Hill on the I Heart Radio app,

Apple Podcasts, or wherever you get your podcasts.

Presented by Capital One, founding partner

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It's the new me and it's the old them.

Hey, everybody's on edge.

And Yoljani's different to this.

This woman's history month, the podcast,

if you knew better with Amber Grimes,

Spotlight's women who turned missteps into momentum

and lessons into power.

I think coming out of where I came from, I'm from the Bronx,

I think I grew up really poor.

I didn't know that then because I very much used

my creativity to romanticize life.

And I'm like, my mom did a really good job of like,

you step back and you're like, whoa, we,

I don't know how we made it.

So a lot of my life was like built out of like survival

to get to the next place.

Like my drive, my like tunnel vision of like,

I gotta be better, I gotta achieve this,

was off the strings of like,

I wanna make a better life for us.

If you knew better, brings real talk

from women who've lived it, unpacking career pivots,

relationship lessons, and the mindset shifts

that changed everything.

Listen to if you knew better with Amber Grimes

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In 2023, former bachelor star Clayton Eckerd

found himself at the center of a paternity scandal.

The family court hearings that followed

revealed glaring inconsistencies in her story.

This began a years-long court battle to prove the truth.

You doctored this particular test twice and so incorrect?

I doctored the test once.

It took an army of internet detectives to crack the case.

I wanted people to be able to see

what their tax dollars were being used for.

Some likes the greatest disinfectant.

They would uncover a disturbing pattern.

Two more men who'd been through the same thing.

Greg, a lesbian, Michael Manchini.

My mind was blown.

I'm Stephanie Young.

This is Love Trap.

Laura, Scottsdale Police.

As the season continues,

Laura Owens finally faces consequences.

Ladies and gentlemen, breaking news

out of Maricopa County as Laura Owens

has been indicted on fraud charges.

This isn't over until Justice has served in Arizona.

Listen to Love Trap podcast on the I Heart Radio app,

Apple Podcasts, or wherever you get your podcasts.

If you're trying to keep up with everything happening

on and off the court,

we've got you covered on the podcast,

flagrant and funny.

You look at the top four number one seeds.

What do you think UCLA is gonna do?

Break down that for me, my friend.

Obviously, you kind of see overwhelmed the favorite

in this tournament, but I'd be honest.

I think people are kind of sleeping on Texas.

Experts are suggesting that UCLA is the number one

challenger to Yukon and that right after that would be Texas.

S&C is so deep and so thick and just about everything.

It really is annoying.

So it's UCLA, Texas, South Carolina, LSU.

Only ones that could possibly upset Yukon.

On flagrant and funny, we're giving our unfiltered takes

on the biggest moments of the conversations everyone's having.

So whether your bracket is busted,

or you just want the latest on the tournament, we got you.

Listen to flagrant and funny with Gary Champion

and Jamel Hill on the I Heart Radio App, Apple Podcast,

or wherever you get your podcasts.

Presented by Capital One, founding partner

of I Heart Women's Sports.

I'm Lori Siegel, a long time tech journalist,

and consider my new podcast, mostly human,

your bridge to the future.

Anyone can now be an entrepreneur,

anyone can build an app, and it's very empowering.

Each week, I'll speak to the people building that future,

and we're going to break down

what all of this innovation actually means for you.

What I come to realize is that when people think

that they're dating these AI companion,

they're actually dating the companies that create this.

We're experiencing one of the greatest tech accelerations

in human history.

And let's be honest, that can be messy.

There's no playbook for what to do

when an AI model hallucinates a story about you.

But it's my belief that we should all benefit from this moment.

Mostly human will show you how.

My goal is to give you the playbook, so you can benefit.

The reason I say agencies, because if we can give power back

to people, then I think that's probably the best thing

we can do for your mental health.

Listen to mostly human on the I Heart Radio App,

Apple Podcast, or wherever you listen to your favorite shows.

It's the new me, and it's the old them.

Hey, everybody's on edge, and the old Jenny's different to this.

This woman's history month, the podcast,

if you knew better with Amber Grimes,

Spotlight's women who turned missteps into momentum

and lessons into power.

I think coming out of where I came from, I'm from the Bronx,

I think I grew up really poor.

I didn't know that then, because I very much

used my creativity to romanticize life.

And I'm like, my mom did a really good job of like,

you step back and you're like, whoa, we,

I don't know how we made it.

So a lot of my life was like built out of like survival

to get to the next place.

Like my drive, my like tunnel vision of like,

I gotta be better, I gotta achieve this,

was off the strings of like, I wanna make a better life for us.

If you knew better, brings real talk

from women who've lived it, unpacking career pivots,

relationship lessons, and the mindset shifts

that changed everything.

Listen to if you knew better with Amber Grimes

on the I Heart Radio App, Apple Podcast,

or wherever you get your podcast.

Tyler Reddick here from 2311 Racing.

Victory Lane?

Yeah, it's even better with Chamba by my side.

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Then she says, have you seen a photo of my son?

And I'm like, who is this person?

Welcome to the Boys and Girls podcast.

A ranged marriage is basically a reality show

and you're auditioning for your soulmate.

And who's judging?

Only your entire family.

I sacrificed myself to this ancient tradition,

hoping to find love the right way.

And instead, I found chaos, comedy, and a lot of cringe.

Listen to Boys and Girls on the I Heart Radio App,

Apple Podcast, or wherever you get your podcast.

This woman's history month, the podcast,

Ketit Paz's sweetie, celebrates the power

of women choosing healing, purpose, and faith,

even when life gets messy.

Love is not a destination.

You have to work on it every day.

Ketit Paz's sweetie creates space

for honest conversations on self-worth, love, growth,

and navigating life with grace and grit,

led by women who have lived, inspired,

and tell the truth out loud.

I have several conversations with God,

and I know why it took the 20 years.

To hear this in more, listen to Ketit Paz's sweetie

on the I Heart Radio App, Apple Podcast,

or wherever you get your podcast.

It's the new me and it's the old them.

This woman's history month, the podcast,

if you knew better with Amber Grimes,

spotlights women who turn missteps into momentum

and lessons into power.

My tunnel vision of like, I gotta achieve this,

was off the strings of like,

I wanna make a better life for us.

If you knew better, brings real talk

from women who've lived it, unpacking career pivots,

relationship lessons, and the mindset shifts

that changed everything.

Listen to if you knew better with Amber Grimes

on the I Heart Radio App, Apple Podcast,

or wherever you get your podcast.

I'm Miles Turnne.

And I'm Brianna Stewart.

And our podcast, Game Recognized Game,

has never been done before.

Two active players giving you a real look at our lives

and what we actually think on and off the court.

Nothing's off limits.

We talk tanking.

I might get in trouble for this answer,

but I think it's like, definitely happening in the WWE.

We talk about our mistakes too.

They pulled me to the side and was like,

hey man, we got a call last night, man.

You can't be rolling around the city like this

tonight before games.

Check out Game Recognized Game with Stuy and Miles

on the I Heart Radio App,

Apple Podcast, or wherever you get your podcast.