I don’t happen to think it is an important part of “health care reform” but it’s a matter of honesty; not so much in the initial premise as in the nature of the response to the kerfuffle.
“If you like the insurance policy you have, you will be able to keep it,” Obama promised, specifically and repeatedly, a statement which rather slaps him in the face when millions of Americans receive letters canceling their policies because those policies do not meet standards set by “health care reform” legislation.
His response is to attack the policies, calling them “junk policies,” which is at best tone deaf. He often insults his supporters in that fashion, in this case telling them that they were pretty stupid to be liking those trashy, worthless “junk policies.” They only thought that they liked them, and if they read them or had half a brain, they would not have liked them at all because they are “junk.” They are so much better off now that he has denied them the ability to keep the garbage they liked having and can now “buy better policies at an affordable price.” He does not define “affordable.”
Democrats in general have taken up the refrain. One of them was on Piers Morgan last night screaming over the top of anyone else’s attempt to say anything that “These are junk policies that nobody wants to buy.” A variant on that was “They stopped selling them because they are garbage policies that nobody would buy,” which doesn’t quite square with the fact that it has been the insurance companies doing the canceling, not the policy holders.
One “progressive” described such a policy as being garbage because it didn’t pay for routine office visits. “If she goes to the doctor once a week, she gets to pay $648/yr in premiums and another $6525/year to the doctor,” as if going to the doctor once per week is a realistic expectation. In fact, the policy holder was quite happy with the “catastrophic coverage,” because she is a healthy young person and is covered in the event of a disaster. She doesn’t want to buy car insurance that pays for oil changes, either.
I would not necessarily agree with that point of view, but it’s not my call. Who am I to tell her what she should want? “If you like the policy you have,” Obama said. If he had gone on and added, “If you are stupid enough to like a junk policy then we are going to save you from your stupidity and require you to buy a better policy at a higher price,” then I suspect that “health care reform” would have been significantly less popular.
Thursday, October 31, 2013
Tuesday, October 29, 2013
Inconsistencies and Contradictions
The people who say this “health care reform” legislation will not work do not know what they are talking about. The people who say that it will work also do not know what they are talking about. The problem is twofold. First, the legislation is so convoluted and complex that no one can know everything that it actually does. Second, even in it’s most basic form it is an experiment. The policy prices emerging from the smoke and the hall of mirrors are guesses, and only time will tell if they will prove workable.
This “reform” was doomed from the start, because while everyone wanted it, no one was willing to pay anything or sacrifice anything to get it. The government was unwilling to increase its budget to accomplish it. People who already had insurance were unwilling to give that up. People on Medicare were not willing to see changes made to that program. Voters were unwilling to be taxed to pay for it. People who wanted insurance didn’t want to have to pay to get it. We all know the stake that medical providers, drug companies and health insurance companies had in this issue.
And so we have a “health care reform” which is filled with inconsistencies and contradictions. Government is by nature coercive, but this mess is gratuitously so. It forces businesses to sell a product to one group of persons on which it will lose money, and balances that by forcing another group of persons to buy a product which they neither want or need to buy. The claim is that one will balance the other, but no one has the slightest idea whether that is actually so or not. It may be nothing more than an urban myth.
When forcing an individual to buy a product which he cannot afford, the government pays a large portion of the premium, but it does so by "savings in Medicare," which means less medical care for old people, and by a tax on medical devices, which means higher prices for those devices and higher costs for medical care. So we're reducing care and increasing costs for one group who needs medical care to pay the premiums for another group who is being forced to buy coverage they don't need.
The claim is that reductions in Medicare will be borne by the providers and not by elderly people, which means that providers being paid by Medicare will provide the same or more care for the elderly while charging billions of dollars less. And pigs will fly, but not on this planet.
And the supposition is that a tax on medical devices will “reduce expenditures for” medical care. It may indeed mean that we will use fewer devices, because the cost of those devices will increase as a result of imposing a tax on them, but that is a far different proposition than “reducing the cost of” medical care. If the stated goal of the reform had been to reduce the amount spent on health care by reducing the amount of health care delivered, the “health care reform” movement would have been one hell of a lot less popular than it is.
Instead we get the claim that the “reform” is going to raise standards for insurance and deliver better health care for lower insurance premiums, which defies logic. Millions of people are having their “bare bones” policies cancelled as we speak because those policies do not meet the new standards, and are being told that they can sign up for new policies that do meet those standards at much higher premiums, so we know already that insurance companies are not going to deliver more benefits with lower premiums. Why is anyone surprised?
At every turn it looks like we are providing more care one place by providing less care somewhere else and pretending to lower costs here by raising costs somewhere else. And given that there was no willingness to pay or sacrifice anything to achieve reform, how could it be anything other than that sort of trade off?
This “reform” was doomed from the start, because while everyone wanted it, no one was willing to pay anything or sacrifice anything to get it. The government was unwilling to increase its budget to accomplish it. People who already had insurance were unwilling to give that up. People on Medicare were not willing to see changes made to that program. Voters were unwilling to be taxed to pay for it. People who wanted insurance didn’t want to have to pay to get it. We all know the stake that medical providers, drug companies and health insurance companies had in this issue.
And so we have a “health care reform” which is filled with inconsistencies and contradictions. Government is by nature coercive, but this mess is gratuitously so. It forces businesses to sell a product to one group of persons on which it will lose money, and balances that by forcing another group of persons to buy a product which they neither want or need to buy. The claim is that one will balance the other, but no one has the slightest idea whether that is actually so or not. It may be nothing more than an urban myth.
When forcing an individual to buy a product which he cannot afford, the government pays a large portion of the premium, but it does so by "savings in Medicare," which means less medical care for old people, and by a tax on medical devices, which means higher prices for those devices and higher costs for medical care. So we're reducing care and increasing costs for one group who needs medical care to pay the premiums for another group who is being forced to buy coverage they don't need.
The claim is that reductions in Medicare will be borne by the providers and not by elderly people, which means that providers being paid by Medicare will provide the same or more care for the elderly while charging billions of dollars less. And pigs will fly, but not on this planet.
And the supposition is that a tax on medical devices will “reduce expenditures for” medical care. It may indeed mean that we will use fewer devices, because the cost of those devices will increase as a result of imposing a tax on them, but that is a far different proposition than “reducing the cost of” medical care. If the stated goal of the reform had been to reduce the amount spent on health care by reducing the amount of health care delivered, the “health care reform” movement would have been one hell of a lot less popular than it is.
Instead we get the claim that the “reform” is going to raise standards for insurance and deliver better health care for lower insurance premiums, which defies logic. Millions of people are having their “bare bones” policies cancelled as we speak because those policies do not meet the new standards, and are being told that they can sign up for new policies that do meet those standards at much higher premiums, so we know already that insurance companies are not going to deliver more benefits with lower premiums. Why is anyone surprised?
At every turn it looks like we are providing more care one place by providing less care somewhere else and pretending to lower costs here by raising costs somewhere else. And given that there was no willingness to pay or sacrifice anything to achieve reform, how could it be anything other than that sort of trade off?
Monday, October 28, 2013
Great Football Moment
For those of you who missed it, the Detroit Lions, trailing the Dallas Cowboys by six and needing a touchdown to win, receive the ball at their own ten-yard line with one minute remaining in the game and no timeouts left. Matthew Stafford throws a forty yard completion to the sideline, which stops the clock. He then throws a twenty yard completion to the middle of the field, and with thirty seconds left thirty yarder which is caught and downed inside the one yard line. The crowd is freaking out, because this is a Detroit home game.
Matthew Stafford races down the field, frantically gesturing at his team to hurry up and pointing at the ground with his right arm, indicating that he is going to spike the ball to stop the clock. The teams are lined up, the ball is snapped, and Stafford does not spike the ball. He jumps up and thrusts the ball over the linemen and into the end zone. Touchdown.
There is a brief moment of silence as everyone tries to figure out what just happened. Everyone, that is, except Matthew Stafford and the side judge who is signaling with both arms straight up in the air that a touchdown has been scored. Then everyone notices the side judge and pandemonium erupts. They still have to kick the extra point for the win, but…
I’m pretty sure that the only one who knew that Matthew Stafford was going to do that was Matthew Stafford. The Cowboys certainly did not know, because when the ball was snapped not one Dallas player moved. The Lions linemen didn’t know, because when the ball was snapped not one of them moved either, and when their quarterback scored they were, “What?”
And the best part is, the Dallas Cowboys got humiliated.
Matthew Stafford races down the field, frantically gesturing at his team to hurry up and pointing at the ground with his right arm, indicating that he is going to spike the ball to stop the clock. The teams are lined up, the ball is snapped, and Stafford does not spike the ball. He jumps up and thrusts the ball over the linemen and into the end zone. Touchdown.
There is a brief moment of silence as everyone tries to figure out what just happened. Everyone, that is, except Matthew Stafford and the side judge who is signaling with both arms straight up in the air that a touchdown has been scored. Then everyone notices the side judge and pandemonium erupts. They still have to kick the extra point for the win, but…
I’m pretty sure that the only one who knew that Matthew Stafford was going to do that was Matthew Stafford. The Cowboys certainly did not know, because when the ball was snapped not one Dallas player moved. The Lions linemen didn’t know, because when the ball was snapped not one of them moved either, and when their quarterback scored they were, “What?”
And the best part is, the Dallas Cowboys got humiliated.
Saturday, October 26, 2013
The Last Thing We Need
Some guy wrote at length that the solution for mass shootings was to have everyone armed, so that if a shooter started waving a gun around then he could be stopped by the people he had chosen as victims because, being armed themselves, they would not be victims. They could whip out their trusty pistols and kill him instead and the problem would be solved.
There are a couple of problems that I see with this, the first being that in all probability instead of shooting the bad guy they would shoot each other and the casualty count would be increased. The last thing you need in an enclosed space is bullets flying everywhere.
The bigger problem is the handicap that it places on law enforcement. One of the cardinal rules for shooting scenes is that non-uniformed officers never enter the building, because uniformed officers who do enter will promptly take down anyone they see who is wielding a gun and is not in uniform, assuming he is a bad guy. If all of the good guys are armed as well as the bad guys, how do the officers know who to take down?
Idiots who advocate a universally armed citizenry as an antidote to violence are woefully ignorant of history. The wild west at one time consisted of a universally armed citizenry, and the death rate became so high that Wyatt Earp banned handguns in Dodge City.
There are a couple of problems that I see with this, the first being that in all probability instead of shooting the bad guy they would shoot each other and the casualty count would be increased. The last thing you need in an enclosed space is bullets flying everywhere.
The bigger problem is the handicap that it places on law enforcement. One of the cardinal rules for shooting scenes is that non-uniformed officers never enter the building, because uniformed officers who do enter will promptly take down anyone they see who is wielding a gun and is not in uniform, assuming he is a bad guy. If all of the good guys are armed as well as the bad guys, how do the officers know who to take down?
Idiots who advocate a universally armed citizenry as an antidote to violence are woefully ignorant of history. The wild west at one time consisted of a universally armed citizenry, and the death rate became so high that Wyatt Earp banned handguns in Dodge City.
Friday, October 25, 2013
Bye Week
I have been basing Sunday dinner on who the Chargers play each week; cheese steak sandwiches when we play the Eagles, for instance. The Chargers have a bye this week so we're not having Sunday dinner. Seems logical to me, but my wife is not going along with that plan. She can be a little bit unreasonable sometimes.
Thursday, October 24, 2013
Good Debt, Bad Debt
A writer in a liberal discussion group (they call themselves “progressives” now) wrote of “two kinds of debt,” one of which is “…going into the hole while building a military you don't need, fighting stupid wars, pouring Treasury money into bonuses for the bankers who already pocketed billions while gambling away your inheritance, etc.”
The other type is “…borrowing in order to put people to work building high-speed transcontinental rail, providing the whole country with broadband access, building a green energy network, setting up a true national health system, and similar things that will result in improving people's lives and healing the planet.”
Note that the first is “going into the hole” while the second is “borrowing.”
He then goes on to say that, “Conservatives always favor the former kind of debt, and progressives, the latter kind,” and that conservatives use the former kind to prevent progressives from creating the latter kind.
He cannot, of course, name one progressive politician who has proposed any one of the things he claims progressives favor, because no one has proposed actually doing any of those things. Some high speed rail was included in the laughably named “stimulus bill” of 2009, but not enough to complete any one intercity project, and certainly there was no pretense of even beginning a transcontinental one.
On the other hand, the Democratic Congress of 2007-2011 not only continued military spending unabated, it funded increased spending for the “surge” in Iraq and it passed TARP to bail out the banks. I can’t support the claim of Treasury money going into the bonuses for bankers, because Congress did specify that TARP money could not be used for that purpose.
I also cannot support the writer’s rather odd claim that conservatives use the bad kind of debt to prevent progressives from creating the good kind of debt, whatever that means. They don’t have to do that because in all the years I have been following politics I have never seen a politician suggest doing any one of the things he suggests that good debt would do.
You don’t have to stop someone from doing what they aren’t trying to do.
The other type is “…borrowing in order to put people to work building high-speed transcontinental rail, providing the whole country with broadband access, building a green energy network, setting up a true national health system, and similar things that will result in improving people's lives and healing the planet.”
Note that the first is “going into the hole” while the second is “borrowing.”
He then goes on to say that, “Conservatives always favor the former kind of debt, and progressives, the latter kind,” and that conservatives use the former kind to prevent progressives from creating the latter kind.
He cannot, of course, name one progressive politician who has proposed any one of the things he claims progressives favor, because no one has proposed actually doing any of those things. Some high speed rail was included in the laughably named “stimulus bill” of 2009, but not enough to complete any one intercity project, and certainly there was no pretense of even beginning a transcontinental one.
On the other hand, the Democratic Congress of 2007-2011 not only continued military spending unabated, it funded increased spending for the “surge” in Iraq and it passed TARP to bail out the banks. I can’t support the claim of Treasury money going into the bonuses for bankers, because Congress did specify that TARP money could not be used for that purpose.
I also cannot support the writer’s rather odd claim that conservatives use the bad kind of debt to prevent progressives from creating the good kind of debt, whatever that means. They don’t have to do that because in all the years I have been following politics I have never seen a politician suggest doing any one of the things he suggests that good debt would do.
You don’t have to stop someone from doing what they aren’t trying to do.
Wednesday, October 23, 2013
Observations
Piers Morgan spent his entire hour last night in conversation with three generations of Buffett; Warren, son and grandson. It proved beyond any remaining question that the Buffetts are the most utterly boring family in this nation. The hilarity over total trivia was astonishing. The second generation Buffett spoke of buying a car when he graduated from high school and had Piers Morgan in hysterics. "I paid $7300," he said, "which was a lot of money back then," and Piers almost fell out of his chair laughing. Wierd.
Kieth Olbermann's show featured Kieth Olbermann for, I believe, four weeks and then was turned over to Larry King because having worked for a whole month Keith needed some time off. Since then it has been hosted by Colin Cowherd, who is not bad, actually, certainly better than Larry King, but why is it called the "Keith Olbermann Show" wheh he has hosted it for only four out of the ten weeks it has been on the air?
Why am I watching either one of these idiots? Good question. Nine in the evening is when I clean up the kitchen while my wife is getting ready for bed. It takes her much longer to do that than it does me. Not being critical, it's a gender thing. I get it. Women are wonderful people and the world would be much poorer without them. My life would be much poorer without my wife. It's all good; life, not television.
It's called "On My Mind," and what's on my mind is frequently fairly trivial.
Kieth Olbermann's show featured Kieth Olbermann for, I believe, four weeks and then was turned over to Larry King because having worked for a whole month Keith needed some time off. Since then it has been hosted by Colin Cowherd, who is not bad, actually, certainly better than Larry King, but why is it called the "Keith Olbermann Show" wheh he has hosted it for only four out of the ten weeks it has been on the air?
Why am I watching either one of these idiots? Good question. Nine in the evening is when I clean up the kitchen while my wife is getting ready for bed. It takes her much longer to do that than it does me. Not being critical, it's a gender thing. I get it. Women are wonderful people and the world would be much poorer without them. My life would be much poorer without my wife. It's all good; life, not television.
It's called "On My Mind," and what's on my mind is frequently fairly trivial.
Tuesday, October 22, 2013
Decisions, Decisions
Much of the excitement about Obamacare boils down to the reality that we have found another way to hide the cost of health care. The nice low premiums that we will have to pay on the “exchanges” do not include the amount that the government pays in subsidy and do not reveal the deductibles or copays. In point of fact, the cost of one’s health care is not covered by the amount stated.
“I will pay only $74.75 per month for health care,” a writer gleefully crows. Actually, the writer will pay that for health insurance, without ever receiving one drop of actual health care. The government will pay a good deal more than that to complete the payment for health insurance, and still no health care has been delivered. When actual health care is required, the writer will incur additional expense for the deductible, and even after the deductible is met, the insurance will cover only a percentage of the health care cost.
We rant about how expensive health care is and about “bending the curve” of that cost, but we are actually happy if we can merely hide the cost and/or let someone else pay it.
One correspondent was rejoicing over obtaining a policy on the exchange at a lower premium than he had been paying. When questioned further, it turned out that the old policy had a $1000 deductible and the new one had a $5000 deductible. He was saving $2200 per year to obtain a policy with a $4000 higher deductible, and so while he would pay $2200 less in premiums he would pay $4000 more in out-of-pocket cost, so the only way he saves money is if he doesn’t get sick. He was basing his health insurance decision on the assumption that he would not incur health care costs, and getting all excited about health insurance while assuming that he didn’t actually need it.
Our decision making ability in this country is badly impaired.
“I will pay only $74.75 per month for health care,” a writer gleefully crows. Actually, the writer will pay that for health insurance, without ever receiving one drop of actual health care. The government will pay a good deal more than that to complete the payment for health insurance, and still no health care has been delivered. When actual health care is required, the writer will incur additional expense for the deductible, and even after the deductible is met, the insurance will cover only a percentage of the health care cost.
We rant about how expensive health care is and about “bending the curve” of that cost, but we are actually happy if we can merely hide the cost and/or let someone else pay it.
One correspondent was rejoicing over obtaining a policy on the exchange at a lower premium than he had been paying. When questioned further, it turned out that the old policy had a $1000 deductible and the new one had a $5000 deductible. He was saving $2200 per year to obtain a policy with a $4000 higher deductible, and so while he would pay $2200 less in premiums he would pay $4000 more in out-of-pocket cost, so the only way he saves money is if he doesn’t get sick. He was basing his health insurance decision on the assumption that he would not incur health care costs, and getting all excited about health insurance while assuming that he didn’t actually need it.
Our decision making ability in this country is badly impaired.
Monday, October 21, 2013
Halloween Party Idea's
It's Halloween party time!! Here are a few helpful ideas to help you plan a fun Halloween party!
Games
Bean Bag Toss
Party Snacks
You can see how to make these cute little pumpkins at
Pumpkin Soda at Paper Jewels
Marci Coombs Mummy Apples
Ogre Eye Hot Chocolate @ Taste Of Home
Party Favors and prizes
Monster Pencil Party Favors at the 36th Avenue
Monster Glitter Slime at the 36th Avenue
Crafts
Hand print pumpkins @ babies, toddlers, and preschoolers, oh my!
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