Author Archives: Steve

Healthcare Website: Not Ready for Prime Time


They goofed big-time with the sign-up process at I went through the registration process twice last night, yet still couldn’t log in. I tried both accounts this morning, and still no luck. Says my username or password are wrong, and I KNOW they aren’t. So I created a third account this morning…same thing. I’m rapidly approaching the definition of insanity.

These are not fatal flaws–just technical glitches that can be fixed. But it’s a PR fiasco in getting Obamacare started. I’m sure millions of users are frustrated. And the wait times are unacceptable. Makes me seriously wonder, considering the virulence of the opposition, if some high-tech sabotage is occurring.

My interest is only curiosity. The exchanges are for the minority of people who either don’t have insurance or who buy insurance on their own. Most of us get insurance through our work, and it’s generally better insurance than the exchanges offer. But I did want to compare costs, out of curiosity, and so far I’ve not been able to get that far.

Fortunately, there’s plenty of time. Obamacare coverage doesn’t start until January 1, and people can sign up through March. Hopefully they’ll fix the site to allow for the traffic, which should have been expected and is totally capable of being handled.

Having said that–I’ve been using the website for several weeks to do research. It’s well designed, very user friendly, easy to navigate, and clearly written. The sign-up screens are very user-friendly. I’m quite impressed overall. I experienced no problems until October 1, when the sign-up began. They just have some major functionality and bandwidth issues with the enrollment process.

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Washington Weakness


Several days ago on Morning Joe, Jim VandeHei of Politico made an interesting observation which has stayed with me. He mentioned two dynamics which contribute to our problems in Washington.

First, all of our leaders are weak.

  • President Obama is weak.
  • John Boehner is terribly weak as Speaker, always looking over his shoulder.
  • Nancy Pelosi was a fairly strong Speaker, but now has little influence.
  • In the Senate, Harry Reid radiates wimpishness,.
  • Minority leader Mitch McConnell is running scared of being primaried.

So there are no strong leaders, only weak persons in positions of leadership.

Second, all of these persons dislike each other.

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Slow-down Amidst the Shutdown

The anti-Obamacare folks are having a party pointing out problems with the website. And they have a point. Never in the history of the internet has excessive traffic caused a brand new website, on its first day, to slow down or crash.

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Let’s Get It Over With


From the stuck records file…. Every couple months, it seems, some financial deadline arises and we’re faced with a possible government shutdown, with accompanying apocalyptic handwringing. A bunch of Congressman on both sides of the aisle seem interested in doing this, and are fearless of the consequences.

You have some hardline conservatives who kinda campaigned on doing something like this, and would relish going back to their constituents with proven bravado. And you have Democrats who are 95% sure a shutdown would hurt Republicans, and are happy to unspool more rope. So while everyone says they don’t want a shutdown, I suspect a good number of Congressman secretly hope for one.

I think we ought to just do it. Shut the government down, and get it out of their systems.

As a side benefit, it’ll give the pundits endless hours of fun arguing about who “won” the shutdown. “It’s certainly not the American people,” they will all agree, while blaming whichever side they are not.

Then, after having finally played with this toy in their sandbox, maybe our leaders will say, “Okay, that was fun, but once is enough. Now let’s figure out how to responsibly govern this country.”

Although, that’s probably a bridge too far.

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Where Have All the Heroes Gone?


We lost the Sopranos, in which the protagonists were mobsters.

We’ve lost Weeds, in which our hero is a marijuana dealer–a mother just trying to support her family.

We’ve lost Dexter, whose main character is a serial killer.

And now we’ve lost Breaking Bad, about a meth dealer.

What will fill the void to provide new role models for our children?

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Free Speech, Facebook, and Your Boss

Six employees of a sheriff’s office in Virginia lost their jobs for liking and commenting on the Facebook page of their boss’s opponent. The US Circuit Court of Appeals ruled in their favor, saying a “Like” on Facebook is protected free speech. A lower court judge had differentiated between hitting the “Like” button and posting a full comment.

What if I “Like” a page of some organization whose values don’t agree with those of the denomination I work for? What if some of my constituents made a stink about it?

I once interviewed Paul Rees, an evangelical leader, who mentioned that he subscribed to a liberal Protestant publication. When I raised my eyebrows at the mention of that publication, he told me, “I don’t agree with them, but I want to know what they’re saying.” Could he have been blackballed because of that subscription?

I’ve read books by atheists, to better understand how they view my faith. Could I be labeled as guilty by association? The political punditocracy certainly majors on this, drawing obscure connections and decreeing, “Guilty!”

Suppose I “Liked” an LGBT Facebook page. My intent might be innocent enough–just trying to keep abreast of what they are saying. But suppose I also posted on that LGBT page positive comments about LGBT lifestyles. Okay, that could get me in big trouble with my church constituency. Could it get me fired? Possibly.

Could I win a court challenge, claiming free speech? Possibly…but I would hope not. A Christian organization should be able to enforce its beliefs.

Just some musings from the intersection of technology and free speech.

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A Clue to National Priorities


Guess who the highest-paid public employee is in most states? This map is a little sad, considering what it says about our priorities. All I can say is–hooray for the blue states.

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When Slang and Quotation Marks Meet

Today, class, let’s “chat” about slang.

People like to use quotation marks around slangish words.

– Teens think it’s “cool” to smoke.
– The hoodlums demanded “protection” money from the store owner.
– The movie used too many “f-bombs.”
– My “bucket list” still has three items on it.
– He “barfed” all over the back seat.
– I thought he was going to “blow a fuse.”
– The driver was “smashed.”

Are the quotes necessary? No. People know what those words mean, and nobody is being quoted. Lose the quotes.

I see this all the time–people surrounding slang and colloquialisms with quotation marks. It’s like they think they’re doing something naughty, something educated folks don’t do. “I know this isn’t a real or proper word, so please forgive me.” As an editor, I typically remove the quotes.

There is a place for using quotes. For instance, in a few words I’ll properly surround “smashed” with quotes, because I’m calling attention to the word. Other contexts arise in which quotes seem appropriate, or at least a legitimate judgment call.

But in ordinary writing, be courageous. Use slang without apology. Own the word.

And that, class, is a wrap.

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Commas for the One and the Many

Today, a very brief lesson to correct a common punctuation mistake.

Since I only have one wife:

Right: I went to a movie with my wife, Pam.
Wrong: I went to a movie with my wife Pam.

However, I have multiple brothers. Therefore:

Right: I went to a movie with my brother Rick.
Wrong: I went to a movie with my brother, Rick.

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Understanding Obamacare (without the Apocalyptic Naysayers)

You can demonize the Affordable Care Act (Obamacare) all you want. But it’s now the law of the land, so we might as well try to understand it. That was the attitude in a recent article published in the AARP magazine, which outlined the benefits (at least to seniors) of Obamacare.

Your insurance may cost a little more under the Affordable Care Act, but it will also be much better and more extensive coverage than what you have now.

I decided to do additional research on the benefits of Obamacare. Most questions can be answered at, but there’s a gob of other helpful stuff out on the internet. Here’s what I found.

Starting in 2014, all insurance plans must cover these “essential services”:

  • Emergency services.
  • Hospitalization.
  • Maternity and newborn care.
  • Ambulatory services.
  • Prescription drugs.
  • Lab services.
  • Rehabilitative services and devices.
  • Mental health and substance use disorder services.
  • Preventive and wellness services.
  • Chronic disease management.
  • Pediatric oral and vision care.

The law places much attention on prevention and primary care to help people stay healthy and to manage chronic medical conditions before they become more complex and costly. Too many people, lacking insurance or money, put off getting medical help until things get really bad–and by then, it’s far more costly and difficult to treat. Prevention could drastically reduce the nation’s medical costs.

All plans must cover a range of 50 preventative services, with no co-pay, coinsurance, or deductibles required:

  • Various immunizations.
  • Prostate exams.
  • Free annual physicals for seniors.
  • Screenings for blood pressure, cholesterol, colorectal cancer, diabetes, autism, breast and cervical cancer, and a number of other conditions.
  • Prenatal care is classified as a preventive service.

In addition, here are other aspects of Obamacare I found.

  • You have no annual or lifetime limits on how much insurers will pay. This will benefit people who require constant or expensive medical care because of an ongoing health condition (like children with congenital heart defects). This starts in 2014. No longer will people be forced into debt or bankruptcy because their coverage runs out.
  • You can’t be denied coverage because of pre-existing conditions.
  • You can’t be dropped from your plan if you get sick. This already applies to children, and will apply to all adults starting in January 2014.
  • Your insurance company can no longer use an unintentional mistake or minor omission on an application to cancel your coverage. In the past, insurance companies have used such errors as excuses to cancel your coverage, declare your policy invalid from the day it started, and even make you pay back any money they spent for your medical care. However, insurance companies can still cancel your coverage if you deliberately provide false or incomplete information on your application, or if you don’t pay your premiums on time.
  • Health plans must spend at least 80 cents of every dollar on health care rather than on administrative costs (like outlandish bonuses and salaries to CEOs). If they spend too much on overhead, they must issue rebates to consumers each summer.
  • Health plans must let young adults remain as dependents on their parent’s policy until they turn 26, regardless of whether they live at home, attend school, or are married.
  • Starting September 23, 2012, all health plans must use a standardized form to summarize benefits and coverage, including information on co-payments, deductibles, and out-of-pocket limits.
  • Plans in the new Marketplace will be offered by private companies. All must offer a core set of essential health benefits. You’ll be able to compare various plans to your work plan. However, if you choose a Marketplace plan, your employer doesn’t need to make contributions to your premiums. Enrollment begins in October 2013, and Marketplace coverage starts as soon as January 2, 2014.
  • Childbirth and newborn infant care are covered (they are excluded in two-thirds of individual plans).
  • Children under age 19 can get their teeth cleaned twice a year, and receive fillings and medically necessary orthodontia.
  • Children can get an eye exam and one pair of glases or contact lenses every year.
  • There is a cap on annual out-of-pocket medical and drug expenses up to an estimated $6,400 for individuals and $12,800 for families.
  • Emergency room visits don’t require preauthorization. You can’t be charged extra for visiting an ER out of your network.
  • The plan must cover hospitalization, though you may have to pay 20% of the bill if you haven’t reached your out-of-pocket limit.
  • Small businesses with fewer than 50 fulltime employees are not required to offer health insurance and face no penalties.
  • Small businesses with 50 or fewer fulltimers can get insurance through health benefit exchanges — and some of the smallest ones may be eligible for tax credits. Small businesses with low-wage employees may decide against providing health insurance, and instead encourage workers to buy coverage on the exchanges.
  • If your business doesn’t offer insurance, you can go online to to find a health plan that works for you and your family. All plans will be listed, with comparisons, in one place.
  • If your workplace insurance plan is very expensive, you can check the online exchanges to see if you can get a more affordable plan.
  • $350 million is being invested to fight medical fraud.
  • No longer will women be charged more for insurance than men (because of reproductive services).
  • Because of the shortage of primary care doctors (the “family physician”), and because the ACA will require more of them, the health law has begun to fund training for more primary care doctors and has increased support for community health centers.
  • As of January 1, 2014, Americans who can afford coverage will be required to purchase health insurance or pay a tax penalty.

Since 2003, the average premium for family coverage rose 80 percent — from $9,068 to $16,351. Without healthcare reform, costs would continue to skyrocket. As a result, fewer and fewer companies would offer health insurance, and an increasing number of low-income people would go without insurance. Whether the ACA is the answer–who knows? But something had to give. Obamacare certainly shows a lot of promise.

A report from the Rand Corp., released in August 2013, showed that fears about people having to pay a lot more under Obamacare are unfounded. The report says that firms employing fewer than 100 workers will pay almost 6 percent less in premiums in 2016. Nationally, the report said, average premiums for equal plans would cost $5,837 with Obamacare and $6,192 without it.

Medicare’s Board of Trustees says the Affordable Care Act will extend their solvency by 12 years, to 2029.

Each year about 40,000 people die prematurely because they lack health coverage. Many hundreds of thousands of people delay needed care and just try to get by. The ACA will put an end to that. Initially, because so many new people will gain coverage, there will probably be an extra large number of doctor visits, surgeries, etc., from people who have put it off. This, I understand, typically happens when a country begins national health care.

This year, medical costs will help bankrupt 650,000 American households — including many who thought they had decent insurance until diagnosed with a serious illness. Such bankruptcies will end (except, I imagine, in states which refuse to participate).

So that’s what I learned.

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