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Speak Out 8/25/09

Tuesday, August 25, 2009

Insurance polls

THERE is no way that the polls that show that the people are satisfied with their health insurance can be right. Everyone complains about what they have to pay and how much they end up having to pay out of their pocket when they have to make a claim.

In the dark

EVERYONE should be absolutely silent on the administration's proposed health care reforms until they've read the proposals. Oh, but President Obama and his minions are keeping the proposals from being released, demanding that our elected representatives trust what they are saying and vote the reforms into law. Why doesn't Obama want the proposals to be out on the table for anyone to read in their entirety? I think any reasonable person, even a child, knows the answer.

Follow the rules

CELL phone policies for schools are great, but there is no follow-through. School districts cower down when parents get angry because cell phones are taken away. There needs to be a strict rule with adherence to the punishment. Parents should go along with the school rules instead of complaining about them.

Civil debate

I heard a pundit say recently that yelling at our elected officials accomplishes nothing, making reference to the lively town hall meetings of late. Since the politicians tend to ignore the voters outside of election years, I think that vehemently expressing one's opinion is often the only way to get their attention. No voter is going to change the mind of a politician at a town-hall meeting. The best we voters can do is remind them that they serve an angry mob at our pleasure, not theirs.

Expensive diseases

I have grown tired of people complaining about health care being so expensive. I realize that some conditions are unexpected and hard to budget for. But if you look at the top four causes of death in the U.S., you will find that they all are mostly preventable diseases: heart disease, cancer, stroke and respiratory disease. By watching what you eat, getting moderate exercise and not smoking, we could pull those diseases way down off the list. These four diseases are expensive to all of us.

Reluctant stoplight

SINCE the storm a few weeks ago, the stoplight at Broadway and Sprigg has been messed up. If you're going east on Broadway the light doesn't change until a car comes from another direction. Cars are backed up to Pacific at times at all hours of the day.

Strategy backfires

DEMOCRATS outwitted themselves in the last election by thinking they could fill conservative districts formerly held by Republicans with an over-the-top conservative Democrats and run up their numbers for a supermajority. Their plan was to be able to demand that conservative Democrats betray their constituents and vote with the liberal socialists. Now their takeover plan is collapsing due to their misunderestimating of the power of the people in these conservative districts.

Being thankful

EACH day I wake up thankful for term limits, thankful that the people like Barney Frank, Nancy Pelosi and Harry Reid represent other states, thankful that this "hope and change" mess will someday end. While I'm thankful for much, I'm also saddened at the thought of my children and their children paying for this failed experiment in wealth redistribution and liberal version of socialism.

National divide

IT'S not President Obama who has united this nation. He has bent over backward to create bipartisanship. Those primarily responsible for dividing this nation have been Fox TV, Rush Limbaugh, Sean Hannity and Speak Out.

Important issues

I voted for President Obama and still support him. I do, however, see one area where he messed up. It was and continues to be an honest mistake. The president has come out too strongly with health care reform. This reform is needed. The issue needs to be addressed. However, there are other issues of vital importance that need to be addressed first. The economic and foreign relations decimation brought by Bush/Cheney, for example. I wish our president the best and remain confident that he will continue his honest efforts to improve and repair the damage he inherited.

Careless driving

I'M in Jackson waiting at the bus stop for my son. A woman in a red truck, looking down and eating a bag of chips, drove by the bus with the stop sign sticking out. Kids could have been run over. That's pathetic. Something needs to be done about it.

Teaching reading

AMEN to the comment about balanced literacy. Our MAP scores aren't improving with balanced literacy. We have taken the books, workbooks and all the resources that teachers need, especially new teachers, away from them, making them reinvent lessons that a good basic reading series would have in it. Now teachers are scrambling to find resources. They are experimenting on the kids, and it's a shame that school districts in both Cape Girardeau and Jackson are using this approach. We need to get back to the basics of reading. Another quick fix to MAP scores would be to limit class sizes.

Come together

I believe everyone should be covered for pre-existing health conditions. President Obama needs to do something about health care. I hope those who are politically charged will realize we've got to come together for the common good of the people. Health care needs to be dealt with in a good way.

Great job

I would like to thank the workers for great job of blacktopping on Clark Street. Also, thanks to the two men who were so polite and explained what they would be doing and when we all needed to be prepared for the street to be closed. Thanks, guys, for a great job. It is appreciated.

Better choice

WHICH can do a better job: a government-sponsored program or a free-market program? Take the example of moving one person from the Cape Girardeau Regional Airport to the St. Louis airport. The government solution: a $2,000-per-passenger subsidy plus the fare paid by the passenger. The free-market solution: BART shuttle transportation for $65. Pretty clear choice, huh?

High deductibles

WHAT about those of us who have HEALTH insurance but our deductibles are so high we have to choose whether we pay our hospital bills or buy food? There has to be some kind of plan to get rid of deductibles so families can afford to go to the hospital or doctor and still be able to pay their normal bills without fear of going bankrupt.

Humpty Dumpty

PRESIDENT Obama is like a little child who can't have his way. He'll do anything to get his way, no matter who it hurts. It reminds of that little nursery rhyme: Humpty Dumpty sat on the wall. Humpty Dumpty had a great fall. And all his senators and congressmen couldn't put Humpty together again.

Waiting at the light

I recently was in a line of cars waiting for the malfunctioning traffic signal at Broadway and Sprigg Street to change. After several minutes I was able to back up and use the alley. In line ahead of me was a police patrol car. Why don't police report these problems? And why does it take so long for repairs to be made? Sounds like common sense.

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Waiting at the light

Common sense? Really? Call the public works department, not Speak Out.

-- Posted by lurker on Tue, Aug 25, 2009, at 6:56 AM

Amen on the Fox, Limbaugh and Hannity, all nut cases.

-- Posted by Dexterite1 on Tue, Aug 25, 2009, at 7:08 AM

Insurance polls - Way! Given there are truly only about 14 million Americans who cannot get or afford health insurance, that leaves roughly 290 million who either are insured through their employer, wealthy enough to pay for their own, or healthy enough to choose not to. Yeah, miserable people complain; but what the gov'ment is finding out is that far, far more people prefer the freedom of managing their own health care with their own doctor than having the gov'ment taking over their health decisions. Here us now, stay out of our lives. Set us free.

-- Posted by blogbudsman on Tue, Aug 25, 2009, at 7:28 AM

Why don't all of you Obama haters and critics wait until a final version of this health bill is presented and then voice your opinion. Heck, I might even join you. I don'y want gov't intrusion in my life anymore than you do. My spouse just had surgery which was pre-approved by the insurance carrier. Now, they want to balk on paying. What would be your comments on that? Please express your thoughts so I know where you stand if that would happen to you. Have a nice day.

-- Posted by howdydoody on Tue, Aug 25, 2009, at 8:00 AM

Amen Dexterite, but you forgot Ariana Huffington, Bill Maher, Alan Combs, Katie Couric, Dan Rather, John Dailey, CBS, ABC, NBC, CNN, MSNBC, MoveON, the editorial boards of the Washington Post, NY Times, LA Times, and the St.Louis Post Dispatch, just to name a few.

-- Posted by FreedomFadingFast on Tue, Aug 25, 2009, at 8:08 AM

The final version of the health bill will not be presented to the people until after the gov't signs it into law.

-- Posted by FreedomFadingFast on Tue, Aug 25, 2009, at 8:10 AM

Note to DTower: This means something. This is important.

-- Posted by Observer1 on Tue, Aug 25, 2009, at 8:21 AM

DTower: What is your opinion on my spouse's surgery being denied payment after they approved it prior to surgery. We have their approval in writing. Wouldn't this make the average person p****d at the current system?

-- Posted by howdydoody on Tue, Aug 25, 2009, at 8:26 AM


I would say that the insurance carrier screwed you. I'd fight it through the proper channels.

-- Posted by FreedomFadingFast on Tue, Aug 25, 2009, at 8:44 AM

DTower: Why should a person have to fight with them when they already approved the surgery. This is a good example of why there needs to be reform. If it takes the gov't to intervene to correct these problems, then so be it. THe thing they want to hear is for you to say "I'll get a lawyer". They have a bastion of lawyers. They would love for you to fight them.

-- Posted by howdydoody on Tue, Aug 25, 2009, at 8:51 AM

howdydoody - not knowing the details of your case, I'm at a little disadvantage. We often have to go to bat for employees that have experienced 'misunderstandings' with their/our insurance coverage. Most of them involve coding or communication issues between the medical provider or insurer and can be resolved properly. Obviously the same challenges would be present in dealing with government bureaucracy. Based on bountiful existing evidence, those issues would be exponentially difficult to resolve. It's the elderly I'd be particularly conserned about. Not to mention the American-way-of-life destroying cost. Lord help us all.

-- Posted by blogbudsman on Tue, Aug 25, 2009, at 8:59 AM

Good morning! ☻

I'm tired of insurance talk....

Follow the rules...I agree. ☻

Reluctant stoplight...I'd run it. ☻

Careless driving...happens all the time. You can file a complaint yourself. ☻

Come together...ah yes, but it will never happen.

High deductibles...it's terrible.

Humpty Dumpty...nursery rhymes, eh?? lol

Waiting at the light...again, I'd run it. The one by the mall turning into St. Francis is terrible, as well. ☻

-- Posted by Turnip on Tue, Aug 25, 2009, at 9:07 AM

good luck fighting those big insurance companies...don't ya know they are never wrong?

-- Posted by ..Rick on Tue, Aug 25, 2009, at 9:11 AM

good luck fighting big government...don't ya know they are never wrong?

-- Posted by FreedomFadingFast on Tue, Aug 25, 2009, at 9:16 AM

Poor old Glen Beck just lost a lot of advertisers, maybe he'll slow down now. I doubt it, he's a jerk.

-- Posted by Dexterite1 on Tue, Aug 25, 2009, at 9:26 AM

DTower: What is your opinion on my spouse's surgery being denied payment after they approved it prior to surgery. We have their approval in writing. Wouldn't this make the average person p****d at the current system?

-- Posted by howdydoody on Tue, Aug 25, 2009, at 8:26 AM

My sympathies to your misfortune in this instance, but if you have a pre-authorization for the surgery or procedure, I'd say a phone call to their claims supervisor would work wonders for you. I've had similar things happen with my wife, when I called to complain they blamed (correctly or not) it on a coding error. You have 1,000 times more power against a private insurance company than a federal government. In your situation you can always sue (under a contingency agreement) if they don't correct the error. You WILL NOT be able to sue Obama, Pelosi, Reied, McCaskill and company. And, you will have given them the authority to deny you treatment all together if they deem you are not worth the expenditure. Open your eyes and ears, and try remembering what they have said before us "radicals" took to the streets, and what they are denying they said now. We are on your side. We are just like you. They are just using your emotional situation to get you to back their false promises and believe their lies, and hope when you do get to see the final bill (after it becomes law) that by some miracle they'll make an exception in your case. They will own you and control you and all of us, no matter if you voted for them or not. Resist now while you still can.

-- Posted by ResistBHO on Tue, Aug 25, 2009, at 10:05 AM

Oddly enough, the list of advertisers 'leaving' Beck have never advertised on Beck although there are a few others merely shifting to different Fox programs. I know a lot of people from Dexter, and they don't seem to be that easy to fool. I guess there's 1.

-- Posted by blogbudsman on Tue, Aug 25, 2009, at 10:43 AM

Turnip -- you intrigue me. "Follow the rules -- I'd run it." I guess the rules have to be convenient. "I'm tired of insurance talk..." When you disagree. Or when the truth hurts. "Come together..." Sounds good, warm and fuzzy. Unfortunately in human society, about the only true coming together is under a commune system directed by a single decision maker - usually a central government. What ever happen to diversity? Freedom? Liberty? And the pursuit of happiness? Buyer Beware!

-- Posted by blogbudsman on Tue, Aug 25, 2009, at 10:50 AM

Howdydoody: What is the reason that the insurance company has given you?

-- Posted by nObama on Tue, Aug 25, 2009, at 11:17 AM

Important Issues ... Actually a good and thoughtful comment. The rush on health care has not been very logical ... When even Time magazine prints "The reformers' speed belies their words. If health care is so important, why not take the time to do it right?," it's fairly obvious that there are indeed some serious questions to be asked.

Insurance Polls ... Oh, thank you, blogbudsman! Was feeling pretty lonely in trying to point out how relatively few are without any kind of health coverage. Many supporters of UHC (for lack of a better title) seem to be those who do have insurance but think that with government care, their premiums will be much lower. Not sure of course (just thinking back a little through govt. programs), but if it happens, they might be in for a disappointment ... if not at first, then surely at some point in time.

Keep remembering a twist on an old saying, "The government giveth and the government taketh away."

howdydoody ... We had that happen (before retirement). We did fight it, and we did win, in pretty short order ... contact your state representative for some advice/help. Didn't even consider or threaten getting a lawyer. John Adams has a good point ... in who it might be easier to 'fight' with over health care.

Are you sure that's today's headline, James? ~laughing~

-- Posted by gurusmom on Tue, Aug 25, 2009, at 11:20 AM

Poor old Glen Beck just lost a lot of advertisers, maybe he'll slow down now. I doubt it, he's a jerk.

-- Posted by Dexterite1 on Tue, Aug 25, 2009, at 9:26 AM

Yet he must be speaking the truth or there wouldn't be such a war to shut him up! Can you tell me who wrote the stimulus bill and then stood to gain millions from it....can you tell me the background on our "green czar"....Glenn can.

-- Posted by nObama on Tue, Aug 25, 2009, at 11:20 AM

..maybe the UHC bill , or SB3200 , should be voted on by the general public instead of Congress ??

-- Posted by ..Rick on Tue, Aug 25, 2009, at 11:23 AM

Well, yes, Rick ... However, the way I understand it ... 'Our' votes are made by our representatives in Congress, we having elected them to do our bidding. Unfortunately, it's up to them to vote the way their constituents want them to ... and that isn't always necessarily the way it happens.

-- Posted by gurusmom on Tue, Aug 25, 2009, at 12:35 PM

gurusmom..maybe something this important tho

-- Posted by ..Rick on Tue, Aug 25, 2009, at 12:38 PM

"maybe the UHC bill , or SB3200 , should be voted on by the general public instead of Congress ??"

-- Posted by *Rick* on Tue, Aug 25, 2009, at 11:23 AM

Great idea! I just called McCaskill's office to suggest it.

-- Posted by Grandpa_Sassy on Tue, Aug 25, 2009, at 12:53 PM

James ,

i don't like the odds ..

-- Posted by ..Rick on Tue, Aug 25, 2009, at 1:43 PM

Gosh, budsman...when you put it that way, I intrique me. lol. I also like this one: do as I say not as I do. ☻

-- Posted by Turnip on Tue, Aug 25, 2009, at 1:50 PM

I just can't bear to respond to any of the political/insurance comments, so I won't.

Follow The Rules-I agree. What I don't understand is why every kid over the age of 4 suddenly HAS to have a cell phone. Why does a 5 year-old, or a 10 year-old, or a 14 year-old for that matter, need a cell phone? Especially at school?

Careless driving- You should've chased 'em down!

Teaching Reading-I'm with you on smaller class sizes. When I was in school, there were no more than 20 people in any of my classes. When we did MAP testing, even the students with the poorest grades didn't really do poorly, and everyone with average or above grades did quite well.

And okay, I'll respond to one political comment.

Humpty Dumpty- That doesn't make any sense what-so-ever. Really.

-- Posted by MusicMaker on Tue, Aug 25, 2009, at 4:59 PM

James Nall wrote, "Headline: The White House and Congress are Predicting Record Deficits."

What!!! How the hell did that happen? Next thing they will be telling us that the recession really isn't over and that there aren't any WMD's in Iraq!

What the hell can I believe in if I can't believe my government?

-- Posted by Lumpy on Tue, Aug 25, 2009, at 6:59 PM

My spouse just had surgery which was pre-approved by the insurance carrier. Now, they want to balk on paying. -- Posted by howdydoody on Tue, Aug 25, 2009, at 8:00 AM

What kind of surgery? You have been on here heavy the last three weeks and it just happened today? If they preapproved it the hospital would have dealt with it.

-- Posted by Wiff on Tue, Aug 25, 2009, at 7:40 PM

Re: Come Together

Would you expect an auto insurance policy purchased today to cover damages relating to a wreck you had last week? Then why should a person be able to spend their healthy years saving money by not carrying health insurance, and then expect an illness to be covered by a new policy they didn't buy until AFTER they got sick? If you want to be covered, get the insurance BEFORE you need it. If you wait until you need it before you buy it, you are essentially demanding others pay your bill for you. It's YOUR health, and it's YOUR life. Why should I care? If I don't care about your health or your quality of life, why should I be forced to contribute my hard-earned money to pay for your health care?

Re: High Deductibles

You have a CHOICE when you buy a policy. You can pay now (higher premiums) to avoid paying later (low deductibles, low co-pays, etc). You can also choose to save money now (lower premiums) by agreeing to pay more later (high deductibles). If you choose to save money on your monthly premium by CHOOSING a high deductible plan, don't cry about having a high deductible to pay if/when you get sick or injured. If you want the low deductibles and low out-of-pocket expenses at the doctor's office, then be willing to fork over the cash necessary each month to buy such a policy.

I am a healthy individual. I CHOOSE to have a high-deductible, low-premium plan so that I am covered in case something major DOES happen. I'm not pleased with the calls being made to prohibit me from keeping the policy I CHOSE to buy! If it isn't the type of plan you want for yourself, DON'T BUY IT! Shop around and find one that works for YOU!

This is the biggest problem I see with a "single payer" system being pushed through Congress. There is no such thing as "one-size-fits-all" and yet that is exactly what a single-payer system will attempt to provide. When all is said and done, their "one-size-fits-all" plan won't fit ANYONE properly. Once it is implemented, you won't have anywhere else to turn to buy the coverage you WANT....so you will be stuck with whatever health care the government decides to allow you to have.

I thought this was America...home of the brave, land of the FREE! Explain to me how giving up my RIGHT to chose my own insurance options increases my freedom? Show me where in the Constitution we the people yielded the power to control our medical choices and health care options to the federal government?

-- Posted by dixietrucker on Tue, Aug 25, 2009, at 8:21 PM


I have a very high deductible but I saved the deductible several times over. If there is not a high deductible people will milk their policy for all they can get. Hence I get cheaper rates.

Someone was talking about cobra being so high. Bro in law that is a orthopedic surgeon told me when people get on cobra they rape it for all they can get since it is short term.

What do you think is going to happen when UHC starts? Do you think there will be a $2000 deductible? I doubt it. They don't have that in the plan.

Probably for me and you there will be a deductible (since we work) but the looters will clog the doc's office for free service because little Johny sneezed last night or someone had a hangnail. You will have to take off two days just to get your DOT physical.

-- Posted by Wiff on Tue, Aug 25, 2009, at 9:37 PM

Mr Wiffle,

You said, "If there is not a high deductible people will milk their policy for all they can get."

Sorry to dissappoint you but I have a 250 dollar a year deductable and I have only met it two or three times in the last 10 years. I do not "milk my policy" or "rape it for all it's worth". There are some of us out there that don't run to the ER for sniffles.

And just keeping you honest again. :)

-- Posted by Pups on Tue, Aug 25, 2009, at 10:02 PM

...so you have a $250 deductible that you never meet. What are your monthly premiums? How does your out-of-pocket expenses break down on that low deductible plan?

When I first took out my policy, I was only paying $65/month...which got bumped up to $84/month this year despite my never having any medical problems. I wasn't happy about the increase, but it is still cheaper than my cell phone...cheaper than my auto insurance...cheaper than my electric bill. Basically, all I had to do was cut 1 night out on the town per month to save enough in my budget to pay the premium increase.

I have a $1750 deductible. Once I meet that, expenses are 80% covered up to $4750 max out of my pocket per year. Once I hit $4750, I'm 100% covered. Figure at most, in the worst case scenario, it averages out to $395/month plus my monthly premium....or roughly $480 per month. However, if I never need medical treatment, I only paid $1008 to the insurance company per year for my premiums.

-- Posted by dixietrucker on Tue, Aug 25, 2009, at 10:31 PM


I pay 689.00 a year for my insurance. Granted, my employer offers insurance and has a large 'member policy'. I am unsure of my yearly out of pocket cost limit since I don't ever come close to it. But I can try to find it out if you want. After meeting my 250 dollar deductable, 80% covered. I also have a 15 dollar per script, but actually cheaper to get scripts at walmart if I get generic.

I was just saying those of us with low deductables do not always over use our insurance.

-- Posted by Pups on Tue, Aug 25, 2009, at 10:45 PM

Hadn't thought of people abusing COBRA coverage, Wiffle. Pops and I paid some pretty steep premiums for 6 months after he retired ... and never used it once. Have to sort of agree with you, though, about the abuse that may happen if UHC has no deductibles, co-pays, etc. Heck, that's obvious from the way many on Medicaid handle things ...

It all depends, don't you think, on the person ... how responsible and ethical they are?

Still ... I doubt anything the government finally passes is NOT going to be as 'free' as many seem to think it will be. Anyway, guess I hope not ... because we're going deeper into a financial hole with every passing month.

-- Posted by gurusmom on Tue, Aug 25, 2009, at 11:27 PM

Think about this health coverage thing. Those of us who work and pay our taxes will be paying for those who don't work and don't pay taxes. And here is the real kicker...our senators and congressmen don't want this insurance for themselves because it's not good enough for them...I hope this makes you stand back and think...

-- Posted by JELLYBEAN on Wed, Aug 26, 2009, at 3:14 PM

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