Showing posts with label Obamacare. Show all posts
Showing posts with label Obamacare. Show all posts
Friday, June 26, 2015
Free Stuff?
I wasn't working full time last year — at least through the first half of the year — so I didn't enroll in the state–mandated health insurance. I couldn't afford it. (Well, I guess I could have — if I had stopped doing things like, you know, paying rent or eating.)
I am working full time now — and I didn't like being treated like a criminal because I didn't sign up for health insurance — so I signed up before the deadline this year, and now I am in compliance with the law. (Well, that is what I have been told ...)
I had my annual checkup earlier this month. It was the first time I had ever met my doctor. He was assigned to me by the state because the doctor I have been seeing for years isn't on the state–approved list. That meant I had to go through my medical history with a stranger rather than see a doctor who is already familiar with my medical history. I wasn't too thrilled about that.
Nor am I pleased with the fact that this insurance doesn't cover my monthly prescriptions. In fact, it doesn't kick in on anything at all until I pony up six grand.
I pay nearly $375 a month for this policy. I'll be damned if I can see any benefit to it.
Oh, excuse me. There is one benefit. I am entitled to one no–charge visit with my state–assigned doctor per year. I gather it's a no–frills thing. When I met my new doctor, one of the first questions he asked me was how extensive I wanted the appointment to be. I replied that it was my understanding that my policy entitled me to one visit per year.
His response? "Oh. You want the free stuff."
Now, I'm a journalist. I studied journalism in college. I have worked as a reporter, an editor, a journalism instructor. The study of language is a given in my line of work, and I know — probably better than most — how easily language can be manipulated and misused to achieve whatever the user wishes to achieve. Successful politicians know it, too. For that matter, I suppose, most people today have a smattering of a familiarity with how it works.
Anyway, as I just said, I'm shelling out nearly $375 a month for this policy, and the only thing I really get in return — unless I get hit by a bus or something like that (and then it will cost me $6,000 up front) — is one visit with my health care provider per year. What the hell is affordable about that?
It certainly is not free. It costs me nearly $4,500 a year — and it isn't nearly as thorough as the annual checkups for which I paid $300 before the state compelled me to carry this policy.
Oh, sure, I understand why the doctor calls it free stuff. As far as he is concerned, I suppose, it is free.
But not really. The doctor is paid for that annual visit by the health insurer, not the patient (and I use that term loosely). It's a very cursory, bare–bones examination. Whatever the insurer pays for it, he/she is being overcharged.
Actually, we're all being overcharged so a small group of people can have their policies at discounted rates. That's what the Supreme Court upheld this week — the state's practice of using money from the working class to subsidize health insurance policies for others.
The policy doesn't cover prescriptions, but it does cover contraceptives. I mentioned to a friend that I was having to pay for someone else's contraceptives. This friend, whom I have known since before my high school days, is as devout a supporter of Barack Obama and Obamacare as you will find, and he tried to tell me that subsidizing contraceptives was a social obligation — the same way that we all (symbolically, at least) pitch in for the upkeep of roads and schools.
I really can't follow that logic — although God knows I've tried. Actually, I suppose I can follow it — up to a point. I agree that everyone is entitled to drive on good, well–maintained roads and send their children to good schools.
But contraceptives are different. Subsidizing contraceptives suggests that sex — like good roads and good schools — is a right. I disagree. If sex was a right, people would be entitled to grab anyone off the street and have sex with that person. Never mind if the other person didn't give his/her consent.
The law doesn't permit people to have sex with anyone, consent be damned. In fact, the law has a specific word for the act of sex with others without their consent. It's called rape — or sexual assault in the namby–pamby jurisdictions that won't call things what they are.
Sex is not a right. Sex is a privilege.
Even if you're one–half of a married couple. I have known many men who believed they were entitled to sex with their wives whenever they wanted it (and some even thought they were entitled to sex with their children). It was a wife's duty, they said — and then the courts began to rule that there was such a thing as spousal rape.
Clearly, unless you're talking about masturbation, sex is not a right.
(Now that the courts are handing down rulings that re–define marriage, I expect that sometime in the not–so–distant future there will be similar rulings establishing boundaries for sexual behavior in same–sex marriages. Seems like the next logical step to me. But I digress.
(I don't really care about that, though. I don't really have an opinion on same–sex marriage. I do have an opinion about the health care law.)
But it's that "free stuff" part that really bothers me. People believe it. Clearly, at least one doctor does.
I am an adjunct journalism professor at one of the community colleges here in Dallas, and I was there during the 2012 presidential campaign. I couldn't begin to tell you how many students told me they were voting for Obama "because he's going to give me free health insurance."
From the start, it reminded me of something I have heard all my life: There is no such thing as a free lunch. As a youngster, I thought that was absurd. Of course there were free lunches.
But as I have gotten older I have realized that the statement was true. Even if something appears to be free, you'll wind up paying for it in the end.
Labels:
doctor,
health insurance,
Obamacare,
Supreme Court
Saturday, April 5, 2014
Looking Out for Number One
"Honesty is the best policy — when there is money in it."
Mark Twain
I'll be the first one to tell you that I was never very strong in certain subjects in school.
I knew a few people who got terrific grades in just about everything — there was one in particular who made it look stupefyingly easy, but she was such a sweet person that no one held it against her when she messed up the curve for the rest of us — but I'm sure they would tell you there were subjects at which they had to really work to keep that grade–point average up.
There may be some people in this world who do have a natural aptitude for just about every scholastic subject, but I have yet to meet one — just people who have successfully cultivated the appearance of brilliance.
And that is probably almost as good as if they really are brilliant. What people believe to be true tends to trump whatever is true.
That's what makes the art of spin so important in the world of politics. Even if they don't know much else, politicians do know a lot about the image–reality dynamic. When it is working in their favor, they ride the wave. But when the tide goes against them, they need the professional spinmeisters to turn things around.
In my experience, most politicians weren't the brightest bulbs in the box when they were in school. In fact, many might have been the polar opposite of that girl I mentioned earlier.
But the successful ones always seem to have known when it was time to trust their futures to the professional spinmeisters — who could, as I used to hear the adults in my world say from time to time, make chicken salad out of chicken s**t. In some circles — and depending upon what was being said — I guess that was/is called bluffing.
Sometimes, though, even spin won't work. That's when the strategy seems to be simply to change the subject.
And this year, with the party primaries in the midterm election campaigns now in full swing, a news event seems to have been made to order for changing the subject — the disappearance of Malaysia Airlines Flight 370. It is a story that has been going on for nearly a month, much of it spent watching search parties fly over the Indian Ocean.
As I write this, the searchers apparently are no closer to learning the flight's fate than they have been in the last four weeks — but they continue to chase every lead, no matter how unlikely it may be. And news networks are lampooned for labeling a 4–week–old story breaking news.
But for politicians, particularly Democrats and most especially those in federal office, it means attention is taken away from the facts about Obamacare and the economy. For them, that is almost certainly a good thing.
Now, economics was one of those subjects I took in college because I was required to do so, not because I had any special understanding of the material. It was like a foreign language to me, and I never had much success learning a second language, either.
I have friends who were and still are fluent in economics. I have always freely admitted that I am not. I sure did try to be when I was in that class. I spent hours reading and re–reading the chapters of my ECON textbooks, hoping some of it would stick, but I regret to report that little, if any, of it did.
(Well, as Will Rogers used to say, we're all ignorant. We're just ignorant about different things.)
And today, most of my understanding of economics is based on my understanding of logic. That normally helps me in unfamiliar territory — but economics really is another matter. It has a logic all its own.
I don't understand the whimsical nature of the stock market or the prices of gold and silver — or, to be honest, monetary policy in general.
But I do have a basic understanding of natural law. See, I took physics in high school. I didn't do very well at it, but I understood enough about motion and similar principles from my own observations of the world that I wasn't completely lost in that class.
I knew that every action has an equal and opposite reaction — from something as simple as playing baseball. To hit a ball a great distance, it was necessary to swing with as much force as possible. You don't hit the ball out of the park by squaring up to bunt.
And I knew from basic math that if you have a certain quantity of something and you give up a portion of it — through commerce or consumption or whatever — you are left with less to consume or trade for other things.
It isn't rocket science. And, for me, that is definitely a good thing.
Back when Barack Obama ran for president the first time, I freely acknowledge seeing logic in some of his objectives, but the recession and the economic implosion left what I thought was an unavoidable conclusion. The jobs crisis had to be met first — before any of the other objectives could be met.
Yes, I said, the health care system needs to be reformed. But not trashed — and certainly not while this nation is on its economic knees. Put America back to work so there is a solid economic foundation upon which to rebuild health care.
If we didn't do that, I warned, we would see premiums and deductibles go up, policies canceled, existing full–time jobs downgraded to part–time ones, and existing part–time jobs eliminated.
Yes, I said, the minimum wage should be higher. But we shouldn't forget that it was really only intended as a minimum entry–level wage. Over time, as the individual gains experience and knowledge, that individual will receive raises, bonuses, all sorts of additional incentives.
And I was also uncomfortable with the idea of raising the minimum wage by nearly 40%. It was unrealistic to think that businesses could give their current workers that kind of raise and be able to increase their workers' hours, much less create new jobs.
The economy is not one big faceless entity in spite of what we hear about a handful of massive corporations that monopolize everything. Yes, there are huge corporations that do control an ever–growing segment of the U.S. economy, but much of America's economic activity is still in the hands of small business owners. There may not be as many mom–and–pop shops as there once were, but they still drive the American economy.
Except for the newcomers, I guess nearly all small business owners have been in business for awhile. They're bound to have a pretty good idea what kind of annual profits they can expect from their businesses, and they budget accordingly. When their incomes don't meet their needs because of added financial demands, they have to make adjustments. Maybe minor adjustments in the prices being charged or the products/services being offered will bring things back into balance. Sometimes they have to cut employee hours. They may have to cut some jobs.
If you own your business and the math isn't balancing, you look for ways to make it balance. If you are required to meet new guidelines that take money from your budget, you have to compensate for that. If you are required to pay your employees more, you have to compensate for that as well.
You do what you have to do. Same in your personal life. If you are spending more than you're taking in, you have to find ways to economize. You have to function within your means.
It's physics. It's the law of survival — looking out for number one. And you can't blame anyone for that, can you?
If someone tries to sell me on the idea, the image that America can do things that I know in my heart are at odds with natural law, I resist. Because reality tells me otherwise, and I have to ask:
Why should the United States be immune to natural law?
That is the great unasked question in America today. But I get the feeling that more and more Americans are asking it in their hearts and minds.
The latest Associated Press-GfK poll indicates more movement away from the Democrats. That is bad news in the midterm election year.
I believe it is due, in part, to the fact that more people are realizing that, without a sound foundation, no lasting achievements are possible.
Labels:
Democrats,
economy,
image,
jobs,
Malaysia Airlines,
Mark Twain,
media,
midterms,
missing jet,
Obama,
Obamacare,
politics,
presidency,
public policy,
reality,
spin,
Will Rogers
Wednesday, March 12, 2014
On Voting
"Men do not differ much about what things they will call evils; they differ enormously about what evils they will call excusable."
G.K. Chesterton
I read with interest an article by Peter Grier in the Christian Science Monitor that sought to clarify what recent poll numbers indicate.
For example,the Associated Press found that, while the majority believe the president is a nice guy, two–thirds rate his presidency as average at best — and nearly half rate his presidency below average. Clearly, liking the president and liking his agenda are two separate things.
I guess one of the most intriguing quotes I read said, in effect, Barack Obama seems like a nice guy, someone I might like to hang out with, but I like a lot of people and most of them aren't qualified to be president.
That's the part of public opinion polling that I have never fully comprehended, I guess. I get that people want to feel good about the people for whom they vote, but, please, try to understand. I was a child during the Nixon years. No one seemed to like him, not even people who voted for him, yet he was elected president twice. The second time he was elected, he got a higher share of the popular vote than anyone in American history except Lyndon Johnson.
The lesson I took from that was somewhat Machiavellian, I guess — a leader does not have to be loved or even liked. (Yet, the questions that are put to modern voters about their political choices — Which candidate do you like best? Which candidate would you rather have a beer with? — suggest that likability is the only thing voters consider.)
But a leader does need to lead.
Being liked simply isn't a requirement of the job. It's a plus, but it isn't necessary. And my assessment, after the special election in Florida, is that Democrats relied too much on the impression that Obama is generally well liked — and gave too little credibility to voter opposition to the policy.
I know that voters want to like the people for whom they vote, but I have voted in many elections, and I know it isn't always possible to like the candidates for whom you choose to vote.
When you're casting your vote, my experience is that you are more likely to encounter a race in which you really don't like either of the candidates as you are to encounter a race in which you do like them. (Most of the time, there will probably be one candidate you like better than the other.)
In every election, though, you really have two options. You can skip voting in that race entirely (you certainly aren't required to vote in every race on your ballot, and I generally do skip at least one such race every election), or, if you have no clear preference in the likability department, you can choose a candidate based on other (usually more important) factors, such as the candidates' relevant experience and records of achievement.
That, too, can be exaggerated, but the truthfulness of what a candidate says about himself or herself can be easily verified by enterprising reporters. So, too, can the success or failure of the policies and programs with which a candidate and/or the candidate's party are linked in the public mind.
Which brings me to the special election in Florida.
It's hard, in the aftermath of yesterday's special election in Florida's 13th congressional district, to avoid wondering just how much of an influence the low popularity of Barack Obama and the implementation of his signature achievement, the passage of Obamacare, had on the outcome — and, by extension, how much it will affect other races across the country in November.
Predictably, Democrats are downplaying the Obamacare part of it. Instead, they are pointing out that Republicans narrowly held on to a seat they have won comfortably for decades. Party cheerleader Debbie Wasserman Schultz was spinning so fast today that the loss amazingly became a positive.
Just as predictably, the Republicans are calling this an early indication of a national rejection of Obamacare. They dismiss the fact that the Republican winner was held under 50% in the three–candidate race. House Speaker John Boehner called it a "big win," which is a considerable stretch.
But here's the bottom line: The special election in Florida's 13th was a "must–win" for Democrats, in the words of political analyst Stuart Rothenberg.
For years, Democrats have been anticipating a takeover when the seat was open. After all, Democratic presidential nominees have carried the district in five of the last six national elections. But the takeover did not happen.
After the votes were counted, Rothenberg wrote this: "The Republican special election win doesn't guarantee anything for November. But it is likely to put Democrats even more on the defensive, undermining grassroots morale and possibly adding fuel to the argument that Democratic dollars should go toward saving the Senate than fighting for the House."
That's about the size of it.
Sunday, October 6, 2013
A Plague on Both Your Houses
When I was a small boy, my mother told me that a few things were true about the United States and the people who live here and those things always would be true, no matter which political party was in control of things.
And I still believe what she told me even though it is more difficult with each passing day.
Americans, she said to me, always tolerate more than one opinion. Americans are respectful of each other, she said, even when they disagree.
And Americans are fair.
She told me these things when there was a lot of polarization in America. Americans were polarized by race, by gender, by religion, by age. There were riots in the streets of every major city. America in 2013 is a day at the beach compared to that.
Mom was a Democrat. Until recently, I considered myself a Democrat, too, but I have come to realize that, if Democrats ever really were what Mom believed they were, they ain't that anymore.
I've never been an advocate of federal government shutdowns as a tactic, and I've seen quite a few in my life. They have occurred during Republican administrations and Democrat administrations alike. They have been engineered by both parties in Congress. Neither side is guiltless.
And, as far as I can tell, all that shutdowns do is impose unnecessary pain and suffering on average Americans while politicians in both parties use them as pawns.
In a way, shutdowns are like filibusters — desperate measures that are doomed to fail. A shutdown is more of a strongarm measure than a filibuster, though. It has more of a thuggish feeling to it whereas a filibuster is often idealized as a lone man — or woman — taking a stand against an unbeatable foe.
In Hollywood — "Mr. Smith Goes to Washington," for instance — filibusters can alter outcomes. In real life, they seldom do.
I suppose the same is true of shutdowns. I don't recall any movies about shutdowns — unless you want to count something like the general strike in "Gandhi," which, in reality, was a "day of prayer and fasting" during which no work was done and really only represents a few paragraphs, not even a whole chapter, in his life's story.
Perhaps someday — maybe even someday soon — there will be a "Mr. Smith Goes to Washington" kind of movie that idealizes — even romanticizes — a shutdown and its objectives. Perhaps it will be presented as a noble, selfless, last–ditch effort to right a terrible wrong.
But I digress.
I'm not a supporter of Obamacare for many reasons, but, at this point, I'm just about resigned to the fact that it will be implemented regardless of how I feel. I've decided not to enroll, to just go ahead and pay the fine and see how it works out for others in the first year. I have a pretty good idea what is going to happen, but I'm not going to tell anyone else whether or not to enroll.
I wrote here the other day that I thought Ted Cruz's filibuster was a lost cause — and I did think that and I still do — but I admire him for taking that stand, anyway, ostensibly on behalf of those who have no voice in Washington — even though most of it probably was political posturing.
(Everyone claims to know what a politician will do, but, in my experience, that is seldom true. Some thought Hillary Clinton would run for president in 2008, and she did. Others thought Sarah Palin would run in 2012, and she did not. Likewise, there are those who think Cruz is setting himself up for a presidential run. I don't know if he is or not. Time will tell.)
Anyway, in the last few days, I have been contributing my thoughts to a thread posted on Facebook by a local minister with whom I am acquainted. I guess that was a mistake.
I found out pretty quickly that the contributors to the thread — Democrats all, apparently — had no interest in hearing dissenting opinions on Obamacare. They would only tolerate those who agreed with them, and when they found out that I didn't, they turned on me like a pack of savage, snarling dogs.
I was accused of racism (even though I never mentioned race until it was used against me) and I was actually accused of denying health care to millions of Americans.
(For the record, that is something else I never said.)
Imagine that! I haven't been giving myself nearly enough credit for the influence I wield.
I thought I was an underpaid adjunct professor in the local community college system — but apparently, my belief that a one–year extension should be available to anyone who wants it is enough to bring the whole Obamacare house of cards tumbling down.
It didn't matter to them that their accusations were false. When I pointed out what I really said and, at times, tried to explain myself more clearly, not only did no one apologize for making the original false accusation, they repeated it over and over.
As Hitler said, if you repeat a lie often enough, it will be accepted as the truth. The more outrageous the lie, the more people will believe it. Hey, I have a bachelor's and a master's in journalism. I know about propaganda techniques.
Democrats wanted people to believe they had learned from their many years in the legislative wilderness when they recaptured control of Congress in 2006. But all they really learned from the Republicans was how to slander those with whom they disagree.
Yes, I know about propaganda. I also know my Shakespeare.
There are no good guys or bad guys in this impasse. There is no compassion or tolerance on either side.
In Shakespeare's words, a plague on both your houses.
Labels:
Democrats,
filibuster,
government shutdown,
Obama,
Obamacare,
Republicans,
Ted Cruz
Wednesday, September 25, 2013
Tilting at Windmills
"There's not the least thing can be said or done, but people will talk and find fault."
Miguel de Cervantes
Don Quixote de la Mancha
I'm not privy to the conversations that take place in the halls of power in Washington so I have no idea what motivated Sen. Ted Cruz of Texas to launch his filibuster against funding Obamacare.
I've heard a lot of smug and snide comments today about Cruz's use of Dr. Seuss and Star Wars in his filibuster. And I'll admit that I don't know everything that he said in his speech. I've seen video clips, and I've read articles about it, but I didn't sit and watch the whole thing — which ended after about 21 hours.
But, as long as he was quoting things, he should have quoted Miguel de Cervantes' "Don Quixote de la Mancha," which is, of course, about a retired nobleman who set out on a quest to revive chivalry.
Then, as now, I guess that's a lost cause, and I couldn't help thinking, as I watched him speak — for I did watch some parts of it as it was happening — that he must have known this was a lost cause, too. Even those who supported him seemed to know it. How could he not know it?
And that, in turn, made me think of something Jimmy Stewart said in "Mr. Smith Goes to Washington" when he was delivering his own filibuster. It was about lost causes and how they were the only causes worth fighting for, worth dying for.
When a person is motivated by principle, everything else is secondary.
Don Quixote was known for tilting at windmills — admittedly a futile gesture. In his own way, I guess Cruz was tilting against a system he didn't like — and perhaps serving notice that this fight isn't finished yet — but he acknowledged defeat in this particular battle, voting for cloture when it was clear no one in the Senate would side with him.
Predictably, the New York Times said Cruz was an "embarrassment." GQ called him a "Wacko Bird." He was greeted with scorn and derision from others in the media who, just a few months ago, were praising the filibuster of another Texan, Wendy Davis, in the state legislature.
(To the credit of the Times, I must point out that what it published was clearly labeled opinion. And GQ doesn't pretend to be a legitimate deliverer of news. But, like The Daily Show and the Colbert Report, GQ and other publications that are not news deliverers are mistaken for such by the uninformed.)
The difference between the two filibusters was the fact that the media liked Davis' politics and didn't like Cruz's — and because news writing these days means opinion to too many writers and does not mean objective reporting to enough.
A free press means a free nation — but a press that panders to power is no longer free, and neither is the nation it pretends to serve.
When I was starting out as a reporter, I remember conducting an interview with a local political candidate who made some statements that sounded pretty farfetched to me. Upon returning to the newsroom, I asked the managing editor about those statements. How should I write about them? I asked.
"I think they speak for themselves," he replied. "You should be like a fly on the wall. The reader shouldn't even know you're there."
That has been my yardstick as a writer throughout my professional life.
I understand the roles that opinion and news writing play in journalism, and it distresses me that far too many journalists — and I see this in my journalism students, too — cannot or will not differentiate between the two.
When I write my blogs, they are largely my opinion. I don't pretend to be writing news stories. Mostly, I comment on the news.
But there is an obvious bias in far too much of what is labeled news these days. It is evident in the media's different responses to the two filibusters.
I don't know. Maybe, like Cruz, I am tilting at windmills when I seek change in the news culture. Maybe it is a lost cause.
Like the implementation of Obamacare. Whether one thinks it will be a great thing or a disaster, it was passed by Congress and signed into law. One may have issues with how it was passed and signed. One may have issues with whether the money charged for non–compliance is really a tax or a fine. One may or may not believe the law will deliver what was promised.
Most of those who oppose it now seem resigned to waiting and seeing what happens. But a few are not content to do that.
A few insist on fighting for the lost cause.
On tilting at windmills.
Labels:
Don Quixote,
filibuster,
journalism,
media,
Miguel de Cervantes,
Obamacare,
Ted Cruz,
writing
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