Wednesday, August 26, 2009

More on Health Care

Let’s break this health care thing down in to something real rather than pound our podiums about “communism” and “Nazis”.  Wild assertions that the President really wants “death boards” or to destroy the Constitution are whacko.  The President wants no one in America to have to suffer without health care.  That’s the goal.  Address the goal.  Is this bill going to deliver this or not? Should we deliver this as a nation or not?  These are valid questions.  But let me suggest something concrete.  I will even use myself as an example—not even a “wild” example.

I am 39 years old and by the US insurance definition, I am “uninsured.”  That is, no American based insurance system has my coverage.  That means that if anything were to go wrong with my health now, the US based health care system would deny all coverage of it.

My son is 12 and covered by my ex-wives health care in the US.  He has a chronic medical condition that will require care his whole life.  But under current regulations, most insurance companies will see what it has cost to cover him over the course of his whole life.  Once an arbitrary “lifetime maximum” value is met, they can all deny him coverage.  Even if this limit were lifted, he will be forced to work for a large corporate employer who must cover him with their plan.  He will never be able to work independently or start his own business—the cost of self-coverage would be too high *and* they can deny covering pre-existing conditions.  You see the rules are different when you are a individual that when you are a member of a corporation.

These are not fictional situations.  This is me and my life.  My choices for me and my son are work as a slave to a Corporation or die an early death bankrupt.  That’s the America we live in.  Work for a corporation, give all your income to them, or go to an early grave with nothing to pass on your children.  I can not imagine a more un-American concept.

You can not apply Capitalism to this system.  “Deregulating” health care will eliminate some red-tape which will remove some costs.  This is not insignificant.  But the flaw isn’t in the government oversight.  The flaw is that economic laws can not be applied to human life.  Again I will say that when the product being sold is Life, then the demand is infinite and the supply limited.  This means you will pay any amount to get Life to exclusion of all other goods.  The “market” will be split between those that can afford to pay and those who can not.  Failure to pay will mean early death and economic ruin for your family.  Even if we could as a culture buy in to such a system, I can not imagine we would choose it.

For decades now, Americans have believed their health care system is the best; that the whole world wants to come to America for a variety of reasons including the great health care.  This belief is false.  Many around the world are appalled at how we treat the poor and visitors to our country.  Sure some of the very rich will fly in to Boston for world-class medical care.  But 99.999% of Americans will never need that care and many that need it will never get it because it will be denied by their insurance companies.

The American system can deny any treatment that proves unprofitable.  They can drop anyone who suddenly becomes gravely ill.  They can plunge any family in to a nightmare of litigation over claims in order to "save costs."  They can pay dozens of professionals to work 24x7 to keep your petitions from being actioned.  They can do this because it makes money.  Because it is good Capitalism. 

The whole point of this health care bill today is not to establish an unchangeable medical system that will cripple America.  The point of this change is to establish that Americans have a guaranteed right to health care regardless of who they chose to work for, regardless of where they live, and regardless of their income bracket.  We can work out the financials and policies as we go.  But we have to start here.  All Americans are granted the right to Live.  The Constitution doesn't officially grant us this right.  But also true is that the Constitution says *nothing* about the right to Capitalism.  Capitalism does not equal Freedom.  Capitalism in business is fabulous.  Capitalism as the judge of human life is not.

We the People have established this Consitution of the United States.  We the People entrust the government to promote the general Welfare.  We the People should be granted Life by our government.

Tuesday, August 18, 2009

Motorcycle Tomorrow

I have been painfully counting the days until I would have scraped together enough savings to purchase a motorcycle.  Tomorrow I'll have have the last bit I will need.  I am excited about having it, but I could never do it if it also had not been practical at the same time.  I am still very much trying to cut back on expenses as much as possible

The image of me riding a Harley on beautiful NZ days is not the reality, unfortunately.  As much as I would like it, I can not see any way to afford such a luxury.  The Suzuki GN250 I bought is a simple, functional bike best suited to learning and short commutes in fair weather.  But I will be fairly committed to using it in all weather (within reason).  I wouldn't want to ride it in some of the high winds we get.  On those days I'll work from home or still take the train.

Tomorrow after work I will have made the last payment and head out to have a friend ride it back to my place with me.  I could probably get it home on my own, but I'd rather not have to deal with real traffic just yet.  Ross is an expert rider (he rides to work too) so I'm glad he can make time for it.

Nearly everyone I have mentioned the bike to has replied with "Well... be safe!"  I know folks mean well by this, but I do wonder if they just don't know me very well.  I'm not much off a speed junky and this bike isn't "sporty".  I do fully intend to practice in small neighborhoods for a good long while before really trying to be in traffic.  I'll probably limit myself to Lower Hutt for a couple of weeks before I even attempt the motorway.  When I do start using the motorway, I intend to avoid peak hours.  I know I'm not a crazy young buck with a motorbike.  I'll be happy to putter along at 50 mph.

Anyways... I can't wait until after work tomorrow!

Thursday, August 13, 2009

A reposted message about Health Care Reform

    The White House, Washington


    Dear Friend,

This is probably one of the longest emails I’ve ever sent, but it could be the most important.

Across the country we are seeing vigorous debate about health insurance reform. Unfortunately, some of the old tactics we know so well are back — even the viral emails that fly unchecked and under the radar, spreading all sorts of lies and distortions.

As President Obama said at the town hall in New Hampshire, “where we do disagree, let's disagree over things that are real, not these wild misrepresentations that bear no resemblance to anything that's actually been proposed.”

So let’s start a chain email of our own. At the end of my email, you’ll find a lot of information about health insurance reform, distilled into 8 ways reform provides security and stability to those with or without coverage, 8 common myths about reform and 8 reasons we need health insurance reform now.

Right now, someone you know probably has a question about reform that could be answered by what’s below. So what are you waiting for? Forward this email.

Thanks,
David

David Axelrod
Senior Adviser to the President

P.S. We launched www.WhiteHouse.gov/realitycheck this week to knock down the rumors and lies that are floating around the internet. You can find the information below, and much more, there. For example, we've just added a video of Nancy-Ann DeParle from our Health Reform Office tackling a viral email head on. Check it out:

Health Insurance Reform Reality Check

8 ways reform provides security and stability to those with or without coverage

   1. Ends Discrimination for Pre-Existing Conditions: Insurance companies will be prohibited from refusing you coverage because of your medical history.
   2. Ends Exorbitant Out-of-Pocket Expenses, Deductibles or Co-Pays: Insurance companies will have to abide by yearly caps on how much they can charge for out-of-pocket expenses.
   3. Ends Cost-Sharing for Preventive Care: Insurance companies must fully cover, without charge, regular checkups and tests that help you prevent illness, such as mammograms or eye and foot exams for diabetics.
   4. Ends Dropping of Coverage for Seriously Ill: Insurance companies will be prohibited from dropping or watering down insurance coverage for those who become seriously ill.
   5. Ends Gender Discrimination: Insurance companies will be prohibited from charging you more because of your gender.
   6. Ends Annual or Lifetime Caps on Coverage: Insurance companies will be prevented from placing annual or lifetime caps on the coverage you receive.
   7. Extends Coverage for Young Adults: Children would continue to be eligible for family coverage through the age of 26.
   8. Guarantees Insurance Renewal: Insurance companies will be required to renew any policy as long as the policyholder pays their premium in full. Insurance companies won't be allowed to refuse renewal because someone became sick.

Learn more and get details: http://www.WhiteHouse.gov/health-insurance-consumer-protections/

8 common myths about health insurance reform

   1. Reform will stop "rationing" - not increase it: It’s a myth that reform will mean a "government takeover" of health care or lead to "rationing." To the contrary, reform will forbid many forms of rationing that are currently being used by insurance companies.
   2. We can’t afford reform: It's the status quo we can't afford. It’s a myth that reform will bust the budget. To the contrary, the President has identified ways to pay for the vast majority of the up-front costs by cutting waste, fraud, and abuse within existing government health programs; ending big subsidies to insurance companies; and increasing efficiency with such steps as coordinating care and streamlining paperwork. In the long term, reform can help bring down costs that will otherwise lead to a fiscal crisis.
   3. Reform would encourage "euthanasia": It does not. It’s a malicious myth that reform would encourage or even require euthanasia for seniors. For seniors who want to consult with their family and physicians about end-of life decisions, reform will help to cover these voluntary, private consultations for those who want help with these personal and difficult family decisions.
   4. Vets' health care is safe and sound: It’s a myth that health insurance reform will affect veterans' access to the care they get now. To the contrary, the President's budget significantly expands coverage under the VA, extending care to 500,000 more veterans who were previously excluded. The VA Healthcare system will continue to be available for all eligible veterans.
   5. Reform will benefit small business - not burden it: It’s a myth that health insurance reform will hurt small businesses. To the contrary, reform will ease the burdens on small businesses, provide tax credits to help them pay for employee coverage and help level the playing field with big firms who pay much less to cover their employees on average.
   6. Your Medicare is safe, and stronger with reform: It’s myth that Health Insurance Reform would be financed by cutting Medicare benefits. To the contrary, reform will improve the long-term financial health of Medicare, ensure better coordination, eliminate waste and unnecessary subsidies to insurance companies, and help to close the Medicare "doughnut" hole to make prescription drugs more affordable for seniors.
   7. You can keep your own insurance: It’s myth that reform will force you out of your current insurance plan or force you to change doctors. To the contrary, reform will expand your choices, not eliminate them.
   8. No, government will not do anything with your bank account: It is an absurd myth that government will be in charge of your bank accounts.  Health insurance reform will simplify administration, making it easier and more convenient for you to pay bills in a method that you choose.  Just like paying a phone bill or a utility bill, you can pay by traditional check, or by a direct electronic payment. And forms will be standardized so they will be easier to understand. The choice is up to you – and the same rules of privacy will apply as they do for all other electronic payments that people make.

Learn more and get details:
http://www.WhiteHouse.gov/realitycheck
http://www.WhiteHouse.gov/realitycheck/faq

8 Reasons We Need Health Insurance Reform Now

   1. Coverage Denied to Millions: A recent national survey estimated that 12.6 million non-elderly adults – 36 percent of those who tried to purchase health insurance directly from an insurance company in the individual insurance market – were in fact discriminated against because of a pre-existing condition in the previous three years or dropped from coverage when they became seriously ill. Learn more: http://www.healthreform.gov/reports/denied_coverage/index.html
   2. Less Care for More Costs: With each passing year, Americans are paying more for health care coverage. Employer-sponsored health insurance premiums have nearly doubled since 2000, a rate three times faster than wages. In 2008, the average premium for a family plan purchased through an employer was $12,680, nearly the annual earnings of a full-time minimum wage job.  Americans pay more than ever for health insurance, but get less coverage. Learn more: http://www.healthreform.gov/reports/hiddencosts/index.html
   3. Roadblocks to Care for Women: Women’s reproductive health requires more regular contact with health care providers, including yearly pap smears, mammograms, and obstetric care. Women are also more likely to report fair or poor health than men (9.5% versus 9.0%). While rates of chronic conditions such as diabetes and high blood pressure are similar to men, women are twice as likely to suffer from headaches and are more likely to experience joint, back or neck pain. These chronic conditions often require regular and frequent treatment and follow-up care. Learn more: http://www.healthreform.gov/reports/women/index.html
   4. Hard Times in the Heartland: Throughout rural America, there are nearly 50 million people who face challenges in accessing health care. The past several decades have consistently shown higher rates of poverty, mortality, uninsurance, and limited access to a primary health care provider in rural areas. With the recent economic downturn, there is potential for an increase in many of the health disparities and access concerns that are already elevated in rural communities. Learn more: http://www.healthreform.gov/reports/hardtimes
   5. Small Businesses Struggle to Provide Health Coverage: Nearly one-third of the uninsured – 13 million people – are employees of firms with less than 100 workers. From 2000 to 2007, the proportion of non-elderly Americans covered by employer-based health insurance fell from 66% to 61%. Much of this decline stems from small business. The percentage of small businesses offering coverage dropped from 68% to 59%, while large firms held stable at 99%. About a third of such workers in firms with fewer than 50 employees obtain insurance through a spouse. Learn more: http://www.healthreform.gov/reports/helpbottomline
   6. The Tragedies are Personal: Half of all personal bankruptcies are at least partly the result of medical expenses. The typical elderly couple may have to save nearly $300,000 to pay for health costs not covered by Medicare alone. Learn more: http://www.healthreform.gov/reports/inaction
   7. Diminishing Access to Care: From 2000 to 2007, the proportion of non-elderly Americans covered by employer-based health insurance fell from 66% to 61%. An estimated 87 million people - one in every three Americans under the age of 65 - were uninsured at some point in 2007 and 2008. More than 80% of the uninsured are in working families. Learn more: http://www.healthreform.gov/reports/inaction/diminishing/index.html
   8. The Trends are Troubling: Without reform, health care costs will continue to skyrocket unabated, putting unbearable strain on families, businesses, and state and federal government budgets. Perhaps the most visible sign of the need for health care reform is the 46 million Americans currently without health insurance - projections suggest that this number will rise to about 72 million in 2040 in the absence of reform. Learn more: http://www.WhiteHouse.gov/assets/documents/CEA_Health_Care_Report.pdf

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Sunday, August 2, 2009

Motorcycles in Kiwi-land

So yeah, I'm looking at motorcycles.  I get so used to folks following me on instant messengers, twitter, and Facebook that I forget I don't talk to everybody all the time.

This whole thought process started one Friday night at the Wellington Main Station during yet another outage.  They are upgrading the old system with a planned completion date of June 2010.  So I predict between now and then that the failure rate will increase from 1-2 per month to at least 1 per week.  Then I saw that commuter bikes go for about $1500 NZD.  My train pass is more than $100 per month... Also when ever we have a need to be in two places at once, the single car is a bit of a hindrance.  So for nearly identical dosh, I could be riding a motorcycle.

The next boost in this process was a visit from my father-in-law, Don, who has been an avid biker for many years.  One of the more fun things we did while he was here was visit bike shops and shop around.  Apparently we have some pretty remarkable motorcycles in NZ.  A lot you wouldn't see in the US.

Thus encouraged by wisdom and thrift I set out to see what it takes to get a bike license.  Well, as it turns out, it takes a heckufalot.  I think someone with some seriously intense safety issues got a hold of the motorcycle licensing system.  In the same country that will let non-english speaking yuppy college kids go on 7-day hikes over volcanos you must go through 3 stages of motorcycle licensing and devote at least 1 year to qualifying.  You will be required to sit through expensive instructor led practical training, secure three different certificates, take three different written exams, and three different practical exams (where they ride behind you and observe).  I have now determined that while NZ may be a very dangerous place to tramp... it might be the safest place on Earth to learn to ride a motorcycle.

This last weekend, I went to take the first required handling course.  I wasn't completely clear that the class was also an official test--a test on 7 different basic skills.  Now the last time I was on a motorcycle was probably about 1994 and I only really practiced in a parking lot.  I was a bit surprised to have master 7 test techniques in one 6 hour class.  You have to complete this course *before* you get your learner's permit.  I did pass thankfully.  Next I have to go take a short written test and officially get my learner's permit for motorcycles.  I have to drive on that license for 6 months.  After this I have to get another certificate (another instructor led class), take another written test, and go through a practical test.  Then I can get a Restricted license!  Not even a Full license.  The Full license requires another course, another written test and two practical exams!

Technically, all I need is a Restricted license to be a commuter.  But dang...  If all goes well, I'll have the Learner Permit this week.  Then I can stop taking the train.  This lets me be more flexible to watch Gabe (saving daycare costs), commute for roughly the same cost, and add the utility of a second vehicle.

I need to hit 100k/h on the motorway, so I need a 250cc bike (the max a Learner/Restricted license allows).  The most economical I've seen have been the Suzuki GN250's and GZ250's.  Yamaha also has some good bikes in this price range.  Once I get one of these picked out, I'll post pictures.

Drive safely, y'all!