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The REAL Problems with Healthcare in America
The attempt to repeal and replace Obamacare (ACA) failed. I don’t think there is one person that can confidently say they even know what was in the last revision of the proposed American Health Care Act. Politicians were so desperate to pass the bill, changes were being made faster than it could be revised on paper. What was certain was that the bill did not meet all the Trump administration mandates: that it provided “Affordable coverage for everyone; lower deductibles and healthcare costs; better care; and zero cuts to Medicaid.” Even though the various revisions of the bill failed to meet any of these mandates, the administration supported it.
This was purely political. It failed because it was wrong. It failed because after seven years of complaining about Obamacare, the Republican congressmen STILL had no plan to replace it and threw something together last minute. It failed because enough Republican congressmen refused to be bullied (to vote for it) and pledged to vote their conscious, in favor of what was best for their constituents.
Nothing about this congressional effort focused on the good of the American people. It was never about quality healthcare. It was ALL about repealing Obamacare- destroying Barrack Obama’s legacy. That was the single goal.
Bad, Better, Worse?
In order to discuss the cost and accessibility of healthcare, here are some thing you might want to consider:
- The Affordable Care Act (ACA) and the failed bill, the American Health Care Act (AHCA) are/were both flawed. The combination of coverage, cost control and availability do not work in favor of the American people under either plan. Still, had the ACA been replaced with the AHCA, 24 million Americans would have lost coverage. A big problem with the ACA is that the model (ratio of insured) hasn’t been reached, driving premium costs up.
- Without regulation, healthcare providers are at liberty to charge uninsured patients whatever they want. Insurance companies have a stringent table of fees it will pay for services, yet it can vary from provider to provider, affecting individual premium costs.
- Healthcare insurance policies vary so greatly that it’s nearly impossible for the average American to decipher. This leads to confusion, inadequate coverage and unnecessary higher out-of-pocket costs.
- Healthcare coverage is more a subsidy than it is an insurance policy. Most Americans would not be able to afford quality care, especially in the situation of an emergency or long-term illness without some sort of assistance. Paying out-of-pocket is simply not an option.
- Half (or more) of individual American bankruptcies are attributed to debt from medical expenses.
- Public and private hospitals alike are prohibited by law from denying a patient care in an emergency. The Emergency Medical and Treatment Labor Act (EMTLA) passed by Congress in 1986 explicitly forbids the denial of care to indigent or uninsured patients based on a lack of ability to pay. (from Google)
Taking the above issues into consideration, if we are guaranteed treatment, with or without coverage– who pays? We all do. Whether through higher taxes, bankruptcies, rising premiums or out-of-pocket. We will all pay for healthcare for everyone.
As long as healthcare is for-profit in America, any efforts to make it affordable are likely to fail.
Here’s one example of a for-profit problem: Mark Bertolini, Chairman and CEO of AETNA received $27.9 million in compensation in 2015, up from 15 million in 2014. The combined compensation of four other top AETNA executives was $18.7 million, not including $17.4 million in restricted stock and stock options. In spite of a huge profit margin and exorbitant compensations for top level executives, AETNA withdrew from the ACA marketplace in eleven states this past year, to assure their financial gains. From 2015 to 2016 their net profits rose 8% to $603.9 million dollars.
We are told they can’t sustain services because Obamacare doesn’t work. In reality, it’s about greed.
Life, Death… Corporate Greed?
When the actual healthcare professionals that you and I are likely to come in contact with– such as EMTs, nurses, doctors and medical office staff– have problems affording adequate health coverage– there is a serious problem with the system.
There are really only three possible options, I can think of, to bring costs under control and make healthcare in America affordable:
- Heavy government regulation of all healthcare in America.
- Make all healthcare nonprofit.
- Establish a single payer national healthcare system.
None of these are easily fixes. What other solutions can you think of?
Washington may be willing to push this issue to the side (for now) but the problem isn’t going to go away.
Life Through My Eyes
Eyes wide open.
Staring at the world
Taking it all in
Enjoying the good things
Surviving the bad
Questioning it all.
I started this blog several years ago to share my thoughts. I think I often have an interesting perspective on life and wanted to share that with others. I have a voice and I wanted to be heard.
Everyone has a story. A tale to tell.
For whatever reason, I’ve often felt like I’m on the outside looking in. Even when I’m in the middle of it, part of me is watching from a distance.
I’ve started dozens of posts over the past year and a half– with a hundred more ideas locked in my brain. Aside from my travel posts and those about my furry children– most have gone unpublished. Unread. Silenced or self-censored.
I became completely obsessed with Presidential election, cable news and the expansive concerns that have divided America. At times, it could be so overwhelming that it was paralyzing. It seemed to invade every waking moment of my day.
The lines between broadcast news, journalism, social media, advertising and ‘fake news’ have become so blurred many people don’t know what to believe. Unfortunately, to the detriment of society, too many people will believe anything they hear. Anything they want to believe, that is.
Well, I’m over it. My silence is about to be broken. If I can help or at least entertain with my words, so be it. I may hurt or anger a few people. If I can educate or open a few people’s minds along the way, then I’ll be achieving my goal.
I may not be an expert on some topics but I also won’t post blindly. I believe that even posting an opinion requires some research and justification. We can’t help who we are or what we believe; though helping others understand the backstory can make the picture more clear. Truth? Fantasy or fiction? In today’s burgeoning mecca of information it’s often difficult to tell.
I don’t want to write about just one topic because that’s not who I am. Theatre, Film, Animal-Lover, Writer…. Nature, Politics, Travel, Equality… History, Restoration, Photography, Reading, Cooking and Gardening… the Human Experience… these are the things that contribute to my psyche and make me a whole person. In daily life, my mind can jump from topic to topic in an instant. I want to share just some of what I see and what I feel. We may not agree– but by communicating there is a place where we can connect. We all have a common ground though many are afraid to approach it.
I’m going to write about it. I’ve been guilty of posting things on Facebook that require more than a one sentence proclamation or allegation. People have become too sensitive and judgemental and often aren’t willing to accept other people’s right to self expression. They aren’t afraid to tell you, you are wrong– yet refuse to defend or debate in a respectful manner.
Some of my posts may be short and hopefully, to the point. I think this blog may be a better platform to express myself. Besides, more than likely, those people that want their Facebook feed to be nothing but ‘cute’ memes and puppy dogs won’t bother to read it anyway.
I just don’t get it. It is easier than ever to communicate with the world. So why are so few people willing to listen?
Out of the abyss there is a cry in the dark.
It starts softly, faintly
Piercing the silence.
It grows louder
It seems to come closer
Until it becomes a deafening scream.
Then it passes
Fading to a whimper
Another visit of that nightmare gone
Then just silence.
This is my memory. This is my grief. This is my mourning.
Friday morning, I stood alone in a field of flags. Crying. Remembering. I was surrounded by 2,976 American flags blowing gently in the breeze.
3051 children lost a parent that day. Their average age was 9 years old.
I walked through rows and rows of flags in a field of rain soaked grass, I began reading the markers: citizens, police officers, firefighters…. and their ages…. 34, 41, 32… 21.
21. Lukasz Milewski.
Lukasz immigrated to America from Poland in July– just two months before. His parents came one year earlier, leaving their two children behind to finish school while they prepared a new home for them in the land of opportunity. When he arrived, Lukasz immediately found a summer job working in food service for Cantor Fitzgerald at the World Trade Center. A start of a new life. America.
Only two short months. His American Dream was cut short. Stolen from him.
This is just one story. One heartbreaking story– of many– that would not reach their natural conclusion. His opportunity, his voice, his life– silenced.
The passing of fifteen years has done little to take away the great empathy and sadness I feel for the many lives lost on September 11th, 2001. My heart goes out to the families whose futures were forever changed– whose hopes and dreams were so unexpectedly taken from them.
Life goes on.
I pray that they have found peace.
I pray that they have achieved some level of happiness.
Life goes on.
We will always remember.
But life goes on.
These are the stories we must tell. We can’t be silent. We must be the storytellers. Stories of hopes and dreams. We must honor them by passing down their stories of courage. We will never forget.
No Money Blues or Ruse?
How many people are familiar with this scenario?
You step away from the catered lunch spread, company paid for ‘just because’; and you walk into your supervisor’s office, noticing his new laptop. His old one was only six months old while most of the other computers in the building are at least five years old. You ask if you can discuss the purchase of a new piece of software that will result in time and efficiency savings for your department – leading towards a substantial growth in productivity.
Your supervisor stuffs the last of the free muffin in his mouth and ponders for a moment. Closing his new laptop and leaning back in his recently purchased, leather high-back chair, he says, “I’d like to help but we’re out of money. Maybe we can consider it in the new fiscal year.” The new fiscal year, of course, is nine months away.
We’ve probably all experienced this at one time or another. Especially in corporate or government work.
It goes like this:
- There is a problem.
- There is a solution. (Usually multiple solutions.)
- No one is willing to take the time or the necessary action to solve the problem.
- The problem continues.
- The decision-makers continue to complain about the problem.
- Business as usual.
This perfectly describes the majority leadership of the Elgin City Council*.
The City of Elgin, Illinois had an estimated population of 111,117 as of 2014. This makes it the eighth largest city in Illinois, yet it has maintained the same feel of any small town in America. And that’s a good thing.
The bad thing? The center of downtown is a ghost town and has been for years. Especially after 5pm and most weekends. Aside from a few struggling restaurants and bars and three (yes, three) tattoo parlors; most nights– there is just nothing going on. I’m not counting the Centre of Elgin recreation facility (operating at a deficit every year since it opened in 2002) or the library which are both to the north end of downtown. South of downtown is the Grand Victoria Casino which has also seen a major decline in attendance and revenue in recent years.
Elgin’s 2015 Budget is $290,535,730. I repeat, nearly $300 million dollars! But according to the City Council, Elgin has no money. That is, for important things. Things that are holding the city hostage– like the lack of economic development.
We need economic development NOW.
Why is there no economic development department? No money. At least that’s what they say. Of course you don’t have to look far to see where the money could come from, if the City Council really wanted to take the steps to advance this agenda.
You know the saying. “You have to spend money to make money.” But, what happens when you spend money and you don’t make money? You make excuses. Elgin constantly defends ineffective actions of poor financial decisions with phrases like, “Oh, they (or that) are (is) invaluable.” Or, “Some things just can’t be measured.” Really? Did you even try?
Throwing Money at the Wind Two non-profit organizations that could be considered responsible for economic development are the Downtown Neighborhood Association (DNA) and the Elgin Area Convention and Visitor’s Bureau (EACVB). Both are mostly ineffective. Neither, despite continued funding, show any accountability. Neither are even able to effectively use their websites or social media towards successful progress.
I feel I need to repeat that these are nonprofit organizations. They are not Elgin governmental departments. The money they receive for the city is basically theirs to spend how they see fit, without regulation. The DNA started as a volunteer organization and now has a paid staff (as does the EACVB) . The city gives them this money without any expectation of measurable return.
The DNA was supposed to be financially independent of the City as of 2015, and the City had not budgeted to continue funding their efforts in the current budget. Yet, on June 24th, 2015, the City Council voted to continue to give them money, through a Purchase of Service Agreement for an unbudgeted amount of $135,000. And, not for just one more year, they amended it for two more years. In spite of a few Councilmen raising their concerns, the Council still voted 9-0 in favor of this continued expenditure.
But, wait! There’s no money! So where is this unbudgeted $135,000 coming from? And why isn’t it being spent to hire a director of economic development instead?
Now, the DNA may try to claim success with the recent opening of three new downtown businesses. Okay, that’s nice– but what about the seven that closed in the past year? That’s right, seven businesses have closed. While it’s not the responsibility of the DNA or City to make businesses successful, they should still be providing support and resources to give them every possible chance.
There was an article in the Daily Herald recently about the Elgin Area Convention and Visitor’s Bureau; questioning its expenditures (71% staff and travel) and suggesting there should be proof of its effectiveness. Nearly $200,000 of their budget comes from about half of Elgin’s hotel/motel tax revenue.
LOOK! I found money! If the City of Elgin took the money they gave these two nonprofits ($335,000), they could easily hire and create a small department of economic development. That’s still only a pathetic 0.1% of the City’s annual budget.
The Elgin City Council believes that throwing money at something–even after years of no measurable results, is better than nothing. Which is exactly what they are getting in return. Then they can continue to shrug their shoulders and point fingers of blame at others, claiming they (the Council) tried. If I’m wrong— show me the numbers.
The Elgin City Council needs to learn how to cut its losses. They need to learn how to say ‘no‘ and ‘enough is enough‘. Continuing to fund ineffective organizations and projects with no accountability, is irresponsible and being poor stewards of our community’s money. This has gone on for years and it’s time that it stops.
The City of Elgin needs some sound financial planning and should be focusing on developing and reinvigorating our community. Not, continuing to toss money at organizations that are not effective, in order shift the blame.
So back to my original scenario… there are always people that have the ability to make change- to make decisions (sometimes difficult) that are better choices when looking at the big picture. Unfortunately, people often make decisions that are selfish, self-serving, or just downright easier.
There always seems to be money for the wrong things… Ideas that aren’t fully developed, things that are personally or politically beneficial; and it’s always easier to ‘do the same old thing’ than to commit to bringing about change. People are so afraid of change! Why is that?
Elgin City Council, you were elected as the leaders of our community to manage, protect and improve the city and its finances. It’s time you step up to the plate, make some tough decisions and do the job you were elected to do. Stop singing the ‘No Money Blues’ and fix the problem. The time to act is now.
*NOTE: When I refer to the Elgin City Council, I am referring to them as a whole. This includes the City Manager (non-voting member) who, as the senior ranking staff member on the City’s payroll; oversees and is responsible for bringing the majority of the financial and policy decisions to the Council for approval and implementation. There are only few individual Councilmen that are frequently vocal– seeking change and not always voting with the majority. Unfortunately, as members of the Council, for purposes here, they are lumped into the whole– guilty by association.
Exploring the Fox River Trail
Whether you live in a rural or urban setting, and whether you know it or not; there are some amazing walking and biking trails near you. I found sights, sounds and smells that can dazzle to extremes, just a short distance from my home. I can experience the city, farm and fields, beautiful river and forest views; all in a relatively short distance. The sounds of traffic, babbling brooks, chirping birds… even silence. Stale city smells, pungent livestock, fresh forest air… are all there waiting for you to explore.
Last week, I took my longest ride so far, traveling south from Elgin down to the heart of St. Charles. There and back, my ride clocked in at just over 22 miles, round trip. To date, I’ve covered about 16 miles of the Fox River Trail (FRT) between St. Charles and East Dundee.
In total, the trail is approximately 43 miles long from Montgomery to the south, to Algonquin on the north end. The trail links in multiple locations with other Illinois trails branching out in other directions.
Here are some highlights, as well as some tips to help you avoid getting lost and to work around some trail closures. I’m sharing some photos I’ve taken along the path over the past few weeks.
Detours. I was naive enough to believe once you were on the trail, you’d stay on a clearly marked trail. It’s not the case. There are some closures and detours you’ll want to be aware of along the trail.
Traveling north from Elgin on the Fox River Trail. There are really only two minor considerations you’ll want to know about traveling north of downtown Elgin. The first, is a pretty simple jog that takes you a few blocks east of the river, around the Gail Borden Library, to allow you to cross near the Kimball street bridge. There are green bike signs that help get you across this busy street. You then have the option of taking the sidewalk around either side of the library until it reconnects with the trail. This is a permanent part of the path. I should note that once you cross Kimball, you should take the side walk south of the library back down to the river or you’ll miss a beautifully maintained section and the Veteran’s Memorial. Otherwise, you just continue straight ahead, passed the library and a large (currently) vacant piece of land, back to the actual trail going north.
The second spot is at I-90 about a quarter mile passed Trout Park. The path is not closed there. I saw one post online stating it was closed. You are crossing through a construction zone– and there are signs requesting you walk your bike through the short stretch, although most cyclists I’ve encountered, ignore the signs. The bridge that crosses the river at I-90 (taking you off trail) is closed and under construction.
Traveling south from Elgin on the Fox River Trail. A couple miles south of Elgin the FRT is closed. If you’re not paying attention, you’ll suddenly find yourself traveling along the Illinois Prairie path, and not know how you got there, or how to get back on the FRT. Forking off to the west is a closed path that appears to dead end at a train trestle. There is actually supposed to be a bridge
going under the trestle that connects the trail. This spot tripped me up my first ride. It is not marked as part of the FRT and there are no signs anywhere that instruct how you can detour back to the trail.
The best work-around I found, is to take the Illinois Prairie Path to Middle Street and go west, into South Elgin, go north one block on South Gilbert Street to State Street and then taking the State Street Bridge west, putting you are back on the trail again.
On my return trip, I did investigate the ‘skipped’ portion of the FRT and it is walkable but not easy to ride– up to where the bridge is out. That portion of the path is in extreme disrepair, lots of steep and bumpy, twisting spots that need to be redeveloped– if and when the bridge is replaced.
Seba Park on the west side of the Fox River is currently under construction but you can follow the path through, staying on the trail. From there, the trail is quite beautiful and unobstructed. Following the shoreline of the Fox River, along side a railroad track for some distance, is a nice peaceful ride.
There is one long, fairly steep incline that I find too difficult to ride and walked it instead, when heading south. It’s fun riding north though— but you need to use your breaks.
As you get close to St. Charles, there are a few spots where you have to ride main roads and residential streets between gaps in actual dedicated paths— so you’ll need to use extreme caution if walking or cycling. Some spots aren’t marked, you just continue straight ahead and the trail will become clear when it picks up again. I used the TrailLink app and GPS just to be sure.
I stopped when I reached downtown St. Charles because I was confused where to go. The map shows the trail forking and following both sides of the river through downtown. You cannot ride your bike on the sidewalks in downtown St. Charles though. The narrow roads and traffic congestion make riding in the streets a little daunting as well. Signs are posted requiring cyclists to walk bikes on sidewalks. Since I was out for a ride, not a walk; I decided to turn back towards Elgin at this point. I found out later, there is an actual riding path on the west side of the Fox River, which after some distance, must cross back over the river to the east side, before heading south towards Aurora.
On my way back, a work crew on the path forced me on a bit of a detour through a small portion of Tekakwitha Woods. I was rewarded with a stunning bridge view I would have otherwise missed.
I’m looking forward to more exploring this summer. My next goal is to ride from Elgin to the northern trailhead in Algonquin. A friend of mine just told me yesterday that north of East Dundee, is a beautiful scenic ride.
There are thousands of miles of trails across the United States and some are bound to be near you. Some you never knew existed. Get out there and explore!
- Trail Link- Fox River Trail
- Kane County Forest Preserve- Fox River Trail
- Fox River Bike Trail
- City of Elgin- Biking & Walking