Because health care (chiefly what hospitals, doctors, laboratories, pharmaceutical companies and drug stores provide us with) is so expensive, most people find it difficult if not impossible to pay for out of pocket. Well duh! Yes, I know, it is so obvious–but I mention this only as a preface to serve as a distinguishing feature to the the health insurance issue. Insurance, in the general sense, is a pooling of risk by individuals who contract with an insurer who promises to reimburse them if stipulated risks or events occur. One can buy insurance against almost any form of risk. You buy whole life insurance and “win” the bet with the insurer if you die earlier than the time by which your premiums exceed the policy payout. You buy term life insurance and pay a lot less during your 40s or 50s because the insurance is for a fixed period during which it is not so likely you will die. Property and casualty insurance covers your house, your car, your boat, or you as an individual against loss due to covered perils or liability to others for harms caused on your property or by your negligence. There are many other forms of insurance, including health insurance. But health insurance has some peculiarties, which partially explains the difficulties of making sense of health care reform.
Like other forms of insurance, the insurance companies ostensibly base their premiums on the risk that they will have to pay out on the health insurance policies. But they earn their income not simply on the difference between the payout and the premiums but on the revenue earned on the investment of the capital in the form of premiums. So when the stock market goes south, they, like other institutional investors take heavy hits. Then again, in the case of health insurance, many major companies are not-for-profit rather than stock holder owned. Accordingly, they don’t have to win on the investments–except they do if they want to price their products correctly. Also, unlike the case of homeowner insurance–payouts for which may ebb and flow with hurricanes, earthquakes and other disasters, but otherwise is relatively less risky for the insurer–medical insurance can reliably expect to pay out substantial sums every year for many people. More on this in the next post.
Tags: health care, insurance
I didn’t really want to do it, but I need a topic that lends itself both to some amount of continuity and also fits the notion that this blog is about expressing what really is happening–reaching beyond ignorance and illusion. So as arrogant of me as it may be, I will latch onto this topic and like Clarissa, try to explain it all. First, some bold statements without citations of authority (because it’s my blog and besides, if you don’t believe me you probably won’t check the references anyway): The United States does not have the best health care system in the world. (If you doubt that, check infant mortality, life span, incidence of diseases and disabilities with other industrialized or “first world” nations). There are more (on a percentage basis and an actual number) uninsured and underinsured people here in the U.S. than in several other nations. We get less “bang for the buck” here than many other countries–in other words, we pay more for inferior care. Oh yes, there are countless high tech tools and innovative processes available to American patients, but they are also available elsewhere and they may not be most effectively utilized. OK, that is it for starters, we will do more on this every few days.
Tags: health, insurance, medical care, mortality
I really was going to get back to this blog sooner. Oh well. I could scarcely resist on this day. As the first snow of the season falls on the Northern Virginia area, other flakes fall as well. I refer to those exceptional narcissists named Salahi. Day after day, a new detail of their flaky self-aggrandizing efforts hits the news. While they may be a cut above (in refinement at least) the underwearless Paris Hilton or Lindsey Lohan, they more than make up for the shortfall in physical embarrassment by the scope of their scamming and scheming to get unwarranted attention.
Not today, mind you, but soon. Not a sabbatical, but I have been out of the blogging loop. Reference back to my “Scrooged” post. The physical went fine, the spiritual went fine, but there was another dimension I didn’t expect. But I am now ready to roll again. More coming soon and regularly again.
OK, we are getting older. Still, objectively I think, the volume was louder. We went to see Angels and Demons yesterday in a local multiplex. The movie itself was fairly loud, while the previews were louder still. I found myself putting bits of tissue in my ears to muffle the sound. I used to go to rock concerts years ago; they were louder, of course. But movies were never this loud. I think there is an age gap here. After years of ear buds blasting MP3 tunes, car sound systems rattling windows and car frames or whatever else the youth of today use to stoke the music receptors, it seems that theaters must ramp up the amps. I am 62 now, still without hearing aids. Not to be too much of an old fogy, I will boldly predict hearing aids a great long term investment. I suspect they will be big sellers in 15 years or perhaps even less. Get in now on the ground floor and profit from the coming auditory impairments of young to middle-aged Americans.
Tags: age gap, hearing loss, movies
A two-fer: a physical tuneup and more importantly, a spiritual tuneup. On April 29th I started having pains in my upper right abdomen. Because I knew I could get test results quicker at the emergency room, I went there the next day when the pain increased. I expected it might be something like gallstones, since I had already had the appendix out many years ago. Blood tests, ultrasound and a CT scan showed no gallstones or gall bladder irritation. Instead, I had something I never heard of–an omental infarction. The omentum is this fatty layer that hangs down like an apron over the intestines. The guy at the emergency room consulted an on-call surgeon, who said I should be admitted to the hospital. I came into the emergency room at 9:30 in the morning; 12 hours later I was on my way to the hospital, 20 minutes away. Not until the next morning did I find out what this was all about. The surgeon said this corner (?) of the omentum may have experienced some kind of twisting. Tissue death–and pain, followed. He put me on IV antibiotics and periodically pushed on the area to be sure where the pain was. Four days later, with the pain going away and no uptick in the white count, I went home. Still, I had concerns. A puffy arm from where the IV fluids had leaked. Worries over what this all meant. Nonetheless, I took it as a message from the universe that now was the time to finally begin that diet and exercise program that would achieve my weight loss/fitness goals. How would I survive to enjoy my retirement years in that New Mexico dream home otherwise? So I began walking, cut back on the food and have lost 16 pounds already. The spiritual tuneup was another matter.
Awaiting a rescan on May 17th, I daily freaked out. Going to the Gohonzon with daimoku I thought the worst as my stomach turned somersaults. The mind/body connection is amazing; more later. I reread SGI President Daisaku Ikeda’s lecture on “The Heritage of the Ultimate Law of Life.” I reread portions of The Buddha in Your Mirror. I reread portions of Mike Lisagor’s book, Romancing the Buddha. Most importantly, I had a long-time SGI friend come and chant daimoku with me. On the 16th, while chanting, I prayed for some word or concept that would refresh and reassure me. Soon thereafter I recalled the postcard I received from my sponsor on the occasion of receiving my Gohonzon almost 32 years ago. On it was a quote from Nichiren’s writing, “Letter to Niike.” It reads: “The journey from Kamakura to Kyoto takes 12 days. If you journey for 11 but stop on the 12th, how can you view the moon over the capital?” That did the trick. It takes as long as it takes. I got the scan on Sunday, confident that my prayers of complete recovery would be confirmed–and confident that I would use this experience to encourage others to remain steadfast in their faith. The surgeon confirmed on Monday that the omentum was healing nicely and no further follow-up or action on his part would be necessary. On Tuesday, the stomach that had been turning somersaults was now calm; a convincing demonstration of how the mind affects the body.
I must add that I have been somewhat lazy about completing my goals of reading the Gosho (the collected writings of Nichiren Daishonin) and the Human Revolution (Daisaku Ikeda’s history of the movement of the Buddhist lay organization in widely propagating Buddhism) cover to cover. Moreover, I have relaxing a bit much from encouraging fellow members. So I am now back on the front lines, assuming the responsibility of a district leader having resigned from a chapter leader position almost 7 years ago. I feel reborn, refreshed, revitalized. If this were Christmas day and the Cratchits lived nearby, I certainly would buy them a goose.
Tags: diet, exercise, human revolution, overcoming fear, spiritual, victory
A long time ago, I learned that one should not begin a letter–and I suppose now an email, blog, tweet, etc., with an excuse. Nonetheless, I will mention this now and expand on it in a subsequent post; there have been a lot of issues going on, not the least of which is being ill and in the hospital a few days. This is my excuse for an irregular and infrequent posting schedule for some time now. Anyway, on to the topic of the day. The former vice-president continues to extol the virtues of the Bush administration policies post 9/11, crediting them with preventing another terror attack. Most recently he reaffirmed this on Face the Nation last Sunday. Never one to let the facts get in the way of strongly held personal beliefs (like his “boss?” George W. Bush), Cheney offered an exemplary example of post hoc ergo propter hoc (after this, therefore because of this), a common logical fallacy. Admittedly a little less silly than the joke about the guy snapping his fingers to keep the tigers away (“but there aren’t any tigers around here,” says the onlooker who asks why he is doing this. “Ah you see how well it works then, eh?” the snapper replies). Read the rest of this entry »
I voted for him. I support him on most things. But Obama is so wrong to avoid prosecuting those who tortured suspected terrorists. The US has been actively involved in prosecuting people throughout the world for the same kinds of deeds done for purposes allegedly fair but more often admittedly foul. The fact that others could honestly say they were following orders or had the authorization of superiors did not inoculate them from prosecution. Oh, but we are the good guys. We were aggrieved. We were just trying to protect ourselves. No! It is not a legitimate defense; it is pure sophistry. Yes, it is certainly arguable (and I would be one to so argue) that those most deserving of punishment are those that wrote the specious legal opinions and offered the guidance that the torture was OK. Their crimes are more reprehensible than those of the interrogaters whose hands poured the water over cloth covered faces or slammed people into walls using plastic collar grips. There is an especially hot (or perhaps icy cold, to match his heart) hell awaiting Dick Cheney; but I don’t hold my breath that he will suffer any legal harm in this lifetime. While the laws of society may fail, the law of cause and effect never does. For the sake of our society, those who tortured should be punished. Those who authorized it will be–sooner or later.
The Vermont House joined the state’s senate in overriding the governor’s bill making gay marriage legal in Vermont. The Iowa supreme court recently made gay marriage legal there. Numerous states allow the use of medical marijuana and some have decriminalized the possession or use of small quantities of the recreational drug. An African-American man now occupies the White House. Change, like that stinky stuff we flush, happens–whether we like it or not. For many people, most any kind of change is unwelcome. Change is unsettling; a stressful event. But even when the change is one we strongly oppose, it still presents an opportunity to exercise the brain and to challenge the assumptions underlying the “truths” we hold dear. The stock market goes up; the stock market goes down. The political power shifts left; the political power shifts right. Does it make a difference? Sure it does, but how much difference it makes depends on what we make of it.
The worst fears of dittoheads were confirmed today, when Rush Limbaugh confirmed rumors that he and Bill O’Reilly have been secret lovers for several years. Birds of a feather do indeed “flock together,” as it were. Whether this will forestall planned participation on next season’s “Dancing with the Stars,” is yet to be determined.
Tags: April Fools, dittoheads, GOP