Archive for the ‘logic’ Tag

Medical Insurance Is NOT Medical Care   1 comment

I know that flies right past the ears of many people, but take a pause and consider the implications of that statement.

Medical care is when you interact with medical providers and receive a diagnosis, surgery, therapy, a prescription and so on.

Medical insurance is how you pay for medical care.

Politicians use the terms interchangeably, but they are NOT the same thing. Whenever I hear someone use terms that mean different things as if they are the same thing, I become suspicious of their motives for conflating the two.

Of course, there are other types of insurance that we don’t do this with. Nobody confuses car insurance with vehicle maintenance, for example. I keep my own car clean and I pay out of pocket for repairs. If my car is damaged in an accident, my insurance covers the repairs, less the deductible, but I don’t call my insurance agent if I need an oil change or to replace my starter.

Homeowners insurance is similar. I don’t call my insurance company to finance painting the house. I call them when a tree falls on the roof.

Medical insurance ought to work the same way that car and home insurance do, but right now it doesn’t. Routine procedures, drug prescriptions for chronic disease, and a variety of other predictable and non-urgent procedures are all handled through insurance companies.

Now, take a pause and realize that one of the key differences between medical insurance and car or homeowners insurance is that medical insurance is a state-run and -regulated program with limited competition while care insurance has plenty of competition.

March is the month we renegotiate our car and home insurance and I received dozens of circulars in the mail offering me insurance plans that will meet my needs at a price I’m willing to pay. None of them offer to reimburse me for minor damage because they wouldn’t stay in business for long doing that.

Continuing this theme, repair shops, tire manufacturers, and other car-care providers all compete on price to get the largest possible share of the millions of car owners in the market for their products and services.

Meanwhile, the medical care market we currently know is provided by a mixture of public and private payers, and it funds a significant share of the vast majority of procedures. Providers don’t compete on price even for services that millions need on a regular basis.

When it comes to medical insurance, most people expect their coverage to give them more than they pay in. That makes no economic sense. If one person’s treatment costs $120,000 a year and they pay a monthly premium of $1,000, the company needs nine people to pay $1,000 a month, but those eight other people cannot consume any medical care services in order for the company to even break even.

The primary role of insurance should not be to pay bills. Insurance is customer peace of mind—a guarantee that a catastrophic event will not bankrupt us.

If medical insurance worked as it should, we would only use it for catastrophic medical needs. For more minor medical care services, we would be looking for the best-value care in the market because those costs would be coming out of our pockets. Yet the high levels of medical debt show that our current insurance system has strayed far from this model as the prices for minor procedures and treatments have gone through the roof.

Increased coverage sounds nice, but as our recent experiment in increased coverage shows, we’d still struggle with unaffordable copays and deductibles and staggering levels of medical debt. The first step toward obtaining an affordable medical insurance system that works for the maximum number of people is to let insurance be what it was meant to be: peace of mind against catastrophe.

Arguing with the Indoctrinated (Gun Control)   1 comment

This is not a political issue. It is a common sense issue! The indoctrinated fail to recognize that there are practical considerations in this debate.

“Nobody needs guns.”

“Call the cops if someone is menacing you.”

“Guns shoot people.”

“Guns increase crime.”

“If there were no guns there would be no terrorist attacks, murders, armed robberies …. ”

“People are more likely to shoot themselves or an innocent bystander than a bad guy.”

“Your gun is more likely to be grabbed by the bad guy and used against you than it is to be used by you to protect yourself.”

“Society has a right to protect itself against gun-toting lunatics and control does that.”

All of these are statements made by the indoctrinated. Yes. If you’ve ever made any of those statements, you might be one of the indoctrinated.

How can I make that rude statement? Because I’ve looked at the evidence and applied common sense to it and realized you can’t rightfully believe any of those statements without being indoctrinated.

If my use of the world “indoctrinated” angers you, it might be because you haven’t applied the same tests to your beliefs.

Let’s look at some of those statements.

Our Founders in the United States did not recognize the authority of the British Crown to control guns. It’s what prompted the “shot heard around the world.” It doesn’t surprise me at all that they put that belief into action in the government they created. The 2nd Amendment was a foregone conclusion coming for men who had the following to say about an armed society. The American Founders did not want society controlling much of anything for the individual. That’s why they prevented Congress from making laws that infringed on the liberty of individuals.

Someone is just going to take the gun away from you. Really? When I’m concealed carry, only I and maybe my husband, knows that I’m carrying. That’s the point. Nobody knows that I’m carrying, so if I need to pull for my own protection or the protection of others, it comes as a surprise to everyone. While armed guards are often the first people to be shot by mass shooters because they are recognized as a threat, the small woman taking cover with everyone else doesn’t look like a threat until she pulls a gun and unloads a clip into the back of the guy doing the shooting. I hope to never have to do that, but taking away my ability to do so is just playing into the bad guys’ plans.

People are more likely to shoot themselves or a fellow victim than the bad guy. Wow, how stupid! I’ve been handling a big hand gun (Mom’s 357) since I was 12. I have never shot myself. I’ve never had an accidental discharge of my weapon. When I participated in a rogue’s gallery shooting range, I had zero victim hits. Only people who have no knowledge of gun culture actually believe that meme. Those of us who choose to carry practice to carry. I’ve never pulled my gun on a human, but I did once have to pull on a stampeding moose. I chose to put the first bullet above her head and planned to put the second bullet between her eyes, except she veered, so I didn’t have to fire a second time. Do you think I am more likely to be rattled by gun fire or a stampeding moose? Your mistaken belief is not a good excuse for people who know what they’re doing to listen to you.

If there were no legal guns, there’d be no murders and no terrorism. Sigh! Remember 911. No shots were fired … more’s the pity. If the pilots had had guns, things might have been different. France is a national gun-free zone. Charlie Hebdo and the Paris terrorist attacks are proof that gun control that removes guns from use by ordinary citizens doesn’t keep people safe. People will simple find other ways to kill mass numbers of people. All gun control does is remove a tool of self-protection and create free killing zones.

Guns increase crime. Not true. Actually, as the percentage of gun ownership and concealed carry has increased, crime has gone down. The 1.2 million crimes in 2012 is a substantial reduction of crime from 1996, when it was estimated that guns were used 2.5 million times for self-protection.

Guns shoot people. Well, no, guns are inanimate objects. If my gun remains in the cabinet I keep it in, it cannot shoot anyone. Inanimate objects require an animate actor to do anything other than rust and rot.

Call the cops if someone is menacing you. A truism that cops are minutes away when seconds count. The average response time from 911 call to police on the scene is 22 minutes. That’s a nation wide statistics. In case you weren’t paying attention in recent mass shooting incidents — the cops pull up outside and don’t attempt to enter the shooting area. This leaves the shooters free to continue their killing. A woman in Dayton Ohio shot and killed an intruder in September. She waited over an hour for the police to show up AFTER she shot the intruder. She would have been long dead if she had waited.

Nobody needs guns is clearly ridiculous to anyone who has been in a situation where they needed a gun. When I was in junior high my mom scared three rapists away from our home. They went down the road and raped another girl. I thank my mother for having a gun. She protected my quality of life, but she couldn’t have done that without a gun, as the father of my classmate discovered when the rapists pushed themselves into his home.

I can understand if you’re afraid of guns. They are scary. I have a great respect for the force I hold in my hands. But my guns are no threat to you so long as you’re not menacing me. And, here’s the thing … I am not surrendering to your fear. I will continue to do what I know to be right for myself and my family, as is my natural right. If you are still afraid … well, it’s probably a good thing you can’t tell when I’m concealed carry.

 

Posted December 15, 2015 by aurorawatcherak in Gun control, Uncategorized

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A Beautiful Painting   Leave a comment

Define materialistic evolution however you want, it is an outgrowth and shield for modern humanist and secular thought in our society. It can be simply stated as the belief that all things we see in the world around us have developed by chance over enormous period of time. The unstated presupposition of this philosophy is also its hoped-for takeaway – there is no God who created the universe, no first cause that brought about the extraordinary diversity of the natural world. Disorder just somehow developed into order, chance somehow gave rise to the immense complexity and interdependence of life, searingly hot gas and rocks somehow spawned living things, inanimate life gave rise to thinking life, thinking life gave rise to sentient beings.

That’s a stretch akin to asking me to believe that 2+2=5 not just once, but thousands of times in the history of the universe. That just seems like an irrational leap of logic (or perhaps a Kierkkegaardian leap of faith).

“The heavens declare the glory of God; this skies proclaim the work of his hands.” (Psalm 19:1)

When we look at a beautiful painting, we ask “Who painted that?” and we praise the creator. Why shouldn’t we do the same with the universe?

Christianity declares that order, diversity, the intricate web of interdependence and beauty of the natural world were created by the living God who the Bible reveals to us. Order, diversity and beauty are products of God’s creative activity, not chance processes of natural selection. Scripture sees this truth as self-evident – it is common sense to look at the world and realize it is the product of a Creator.

 “Since the creation of the world God’s invisible qualities – his eternal power and divine nature – have been clearly seen,  being understood from what has been made, so that men are without excuse.” Romans 1:20

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