Health Care is a Privilege

November 11th, 2009

Health care is a privilege in the U.S.  The reason I say this is because not everyone has access to it. There are 10-15% of those living here that can’t afford health care.

Those who oppose covering them are effectively saying “I got mine, get your own you lazy bastard.”

The insurance companies like the current business model because it allows them to make more money by denying coverage even for people who have been paying for years. Effectively they’re saying “We got ours, get yours somewhere else you stupid bastard.”

What’s lacking from both sides is empathy. They just don’t care about anyone but themselves. There’s a psychological term for people like that – sociopath.  Sociopaths are interested only in their personal needs and desires, without concern for the effects of their behavior on others.

If an adult family member got a severe illness (like cancer) and couldn’t afford to pay the bills, wouldn’t you do everything in your power to help him/her out? You’d spend your own money to help out, wouldn’t you? You wouldn’t say “Tough luck. You’re an adult, deal with it. If it bankrupts you, too bad. If you die, that was inevitable anyway.”

Of course you wouldn’t (assuming you aren’t a sociopath).

This country is your family. Caring for them is the honorable thing to do.

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Capitalism is evil, but only for the government

October 8th, 2009

The title above is not my personal opinion, but it does seem to be the opinion of many Conservatives out there. Had I not read some of George Lakoff’s hypotheses recently I would be at a complete loss to understand why this is the case. Now I think I have some understanding.

The big debate these days is whether the federal government should be in the business of providing health insurance. Ultimately that’s what the debate is about.

Your answer to this question depends on whether you’re a Liberal or Conservative. Liberals say “yes”. Conservatives say “no”.

What’s funny (to me anyway) is that Conservatives often cite capitalist motives as the reason why the government should stay out of the health insurance business. They say that certain care will be denied because it will cost too much. (They fail to mention that private insurance companies already do this.)

But that’s what capitalist motive is, right? Cut costs to increase profit?

The other fear tactic is that the government will have to raise taxes considerably to pay for this. But that’s a capitalist motive too. Raise prices to increase profit.

The real problem for Conservatives is that they believe that any government program that shows any caring for citizens is evil. To that end they will do anything they can to prevent any social program from coming into existence. Furthermore, they will do anything they can to cut funding for existing social programs to help ensure their demise while simultaneously claiming “see, the government can’t run this properly!”

Lakoff has what appears to be an explanation for this mindset. Conservatives have a strict father model of government. Liberals have a nuturant parent model. Rather than explain those models here, please see the linked Wikipedia articles instead.

People on both sides want to live as independently as possible. It is my belief, however, that Liberals understand that society has grown to the point where we are all interdependent. Conservatives have not yet acknowledged this.

As interdependents it is our duty to support each other when necessary. Conservatives do support each other through contributions to church or charity. But since they choose the church or charity they choose specifically who they support which generally means supporting their own kind.

Liberals believe in supporting people even if they don’t necessarily agree with them.

A Liberal would gladly pay additional taxes to help provide government run health care that took care of a Conservative. The reverse is generally not true. But a Conservative would gladly contribute to a charity that helped provide health care to someone in their own community who needed that help.

I believe that slowly but surely more and more people are moving towards the Liberal view of how things should work. This scares Conservatives who are becoming the dying breed. But obsolescence is a part of capitalism to which Conservatives put all their faith in. They should be happy to see it working even if it inevitably means their demise.

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Arguments Against Atheism

August 29th, 2009

A hobby of mine is browsing the internet for arguments against atheism. As an atheist myself I like to know what theists are up to.

I came across an article by Alan Roebuck that I found particularly interesting. My interpretation of his argument is that since atheists are not willing to believe in god(s) then the existence of god(s) can never be proven to them. In other words, if you don’t already believe in god(s) then there’s no way your mind will ever be open enough for me to prove it to you.

I especially liked this quote: Just as it would be foolish for the blind man to conclude that color does not exist simply because he is unable to detect it with his senses, it is foolish for the atheist to dismiss God because he cannot detect God with his senses.

From this argument it would be just as foolish to dismiss invisible pink unicorns just because you cannot detect them with your senses either. Like God, the invisible pink unicorns are all powerful beings. This is proven by their ability to be both invisible and pink at the same time. Since we can’t detect them there is no reason not to believe that they are the ones responsible for the creation of everything.

I know of no theist who is willing to substitute “invisible pink unicorns” or “Flying Spaghetti Monster” for “God” in their arguments and continue to defend them. (I strongly suspect that Mr. Roebuck would not be willing to do so.) If there is a theist out there who meets this criteria please come forward. I would love to meet you as you are a rare breed indeed.

Morality Argument

There is another section of the article I found interesting. At this point Mr. Roebuck is discussing morality as the basis of a logical system. His argument is thus:

Naturalists, for example, generally assert that morality is made up by the group. But if morality is whatever the group says it is, then nobody has the right to say that the group is wrong, and so reformers such as those who fought against slavery are always wrong: If our ancestors said that slavery was acceptable, then it was acceptable. This sort of naturalism is thus morally contradictory, at least over time.

As someone arguing specifically for the Christian version of God, Mr. Roebuck needs to check his references. The Bible has numerous passages condoning slavery and also has details on how slaves are bought and sold and how they should be treated. Examples include: Exodus 21:7-11, Leviticus 25:44-46, Exodus 21:2-6, Exodus 21:20-21, Ephesians 6:5, 1 Timothy 6:1-2, Luke 12:47-48.

Therefore, according to the argument that morality by the group is wrong, then it would seem that today’s current group argument that slavery is wrong is the wrong side of the argument. The theological argument is that God (the Judeo-Christian version anyway) approves of slavery and expects people to partake in the buying and selling of slaves. Is this the argument Mr. Roebuck is making here? Since I can’t read his mind I don’t know for certain. However I highly doubt he would be in support of the reinstitution of slavery.

This hard-line “no one has the right to say the group is wrong” argument is an interesting one. What happens in reality is that a few people believe the group is wrong. Then they talk to others in the group to either confirm or deny if their belief makes sense. If the view is supported then over time more and more people in the group come to the conclusion that the group is wrong. At some point a tipping point is reached and the group view changes to the new “right” view.

The fact that we’re even having this debate demonstrates that, in this group at least, individuals are allowed to say “the group is wrong”. In fact, if I’m not mistaken, this country was founded on the principle that individuals have a right to say “the group is wrong” without fear of persecution (at least not government sanctioned persecution).

Theological organizations, on the other hand, have at their core a set of beliefs that are not supposed to change over time as they have been handed down from divine spirits who are infallible. They very much have a “you have no right to say the group is wrong” credo because from their point of view it’s not the group making the rules. Maybe that’s more comforting, but in light of how we’ve changed over time it’s turned into a compelling argument for atheism as the old values (e.g. slavery is acceptable) become viewed as wrong and new values (e.g. slavery is wrong) become accepted. If your doctrine can’t change because it was divinely inspired then how are these apparent contradictions handled?

Values

Mr. Roebuck does make a decent attempt at the argument of values by saying “To the strict naturalist, your life means whatever you say it does.” But then the argument is incomplete. He only gets about halfway through the argument when he reaches his conclusion.

If so, then your life can mean X, and my life can mean non-X, and both our answers are equally valid (X could be, for example, “Always putting my desires above the desires of all others.”) But this means that both our answers are also equally invalid, in which case I have no reason to believe that my life really should mean non-X. And if there is no reason why my life should mean non-X, it will be impossible for me to keep to my professed non-X ideal: if it’s all made up, why stick to it when the going gets tough? Naturalism is unlivable. [emphasis mine]

The missing part of this argument is that the naturalist view of morality is that for each individual both answers can be equally valid. If you believe in putting your desires above the desires of others and I believe that the desires of others should be put above my own, both are equally valid. However, over time, the humans that have become prolific are those who put their needs in balance with the needs of others. That’s how we formed societies. People who only put their desires first don’t work well with others. And those who work well with others will not tolerate a free-loader for very long.

Our current system of morals can be explained by our evolution as a social animal. We’re more like wolves (who are social and often put the desires of others above their own) than foxes (who live alone and are only concerned with their own desires – at least until it comes to raising young).

The conclusion I draw from this is that our morality is instinctual because of the way we evolved. It is not something that was magically implanted by a supernatural deity.

Natural and Supernatural Causes

If we were not self-aware creatures we wouldn’t be having this discussion. We would simply be acting out our instinct. However, because we are self-aware, we have started to ask questions about why we behave the way we do. In our effort to understand ourselves we have tried to look for first causes and axioms. When we reach a cause that we don’t have an explanation for we consider that an axiom. But we don’t stop digging. Eventually axioms give way and become proved by other axioms. OR they fall by the wayside as they are disproved.

At one time it was axiomatic that Apollo rode his chariot across the sky each day and that why the sun went across the sky. Now we look at that view as quaint and no longer consider it axiomatic.

One final quote from Mr. Roebuck:

Is it true that the supernatural does not exist? We can only answer this question by judging the system of axioms of which it is a part, because intuition is not a reliable guide to that which goes beyond our senses and our ordinary experience.

He follows with what to do if an atheist claims that “the supernatural does not exist” by going into arguments about the axioms of the logical system prevented.

I claim that the supernatural does not exist. Here is my argument which is a semantic one. If something exists then it’s natural. Something that is supernatural is outside of the natural. Since something that exists must be natural there is therefore nothing outside of the natural and therefore nothing that is supernatural.

This does not mean that naturalists know everything. We don’t and we don’t claim to. In fact our claim is that we don’t know everything and we probably never will. However, our goal is to learn as much as we possibly can about what exists, to try to understand what exists, to be able to explain to others our understanding, and to perform predictions based on all this information.

As part of this, if the explanation we find does not include a supernatural being, then we exclude it from the explanation. Yes, the universe sprang up from nothing as far as we know. But to postulate that some creator created it without then explaining who created the creator is preposterous. Saying “the creator created himself” (out of nothing?) is just removing the creation one step back from “the universe created itself out of nothing.”

What happens with naturalism is that as we find new things about nature they are incorporated into the natural. If ghosts, demons, angels, gods, or invisible pink unicorns are found to exist then they will no longer be “supernatural”. They’ll be part of the natural.

What Exists?

There is a very big difference between whether something could exist and whether it does exist. Could black swans exist? Certainly. Do they exist? Until just a few hundred years ago the answer was thought to be “no”. But now we know that black swans do exist. I’ve seen the black swan argument used as part of older proofs that god(s) exist. They’re weak arguments and no theist uses them any more.

A stronger parallel would be whether invisible pink unicorns exist or not. If we define these beings to have supernatural powers (like being able to be both pink and invisible at the same time) similar to those of other god definitions then the arguments for and against their existence becomes similar.

I have never seen or otherwise experienced an invisible pink unicorn. I do not believe they exist. There is no evidence for their existence. It is certainly possible that they could exist somewhere maybe. I can certainly imagine a planet full of invisible pink unicorns. But just because one can imagine something does not mean that it must exist.

Is there a most intelligent creature in the universe? Certainly. Are we humans it? Possibly or possibly not. At the moment we’re the most intelligent creatures that we know of. But is god some supernatural entity living outside of and part of the universe at the same time that has a personal interest in our lives in our tiny spec of dust in the overall universe? Do you have personal interest in the billions of bacteria living on the tips of your fingers?

Opinion

I don’t believe that god exists anymore than I believe that invisible pink unicorns, ghosts, Santa Claus, or the Tooth Fairy exist. I also know that this puts bias in my previous arguments. But so be it. If there is bias then my hope is that someone will point it out and that I can revise my arguments as a result. On the other hand, my hope is also that whoever does point out where my bias has gotten in the way of a logical argument will not assume that they don’t come into the argument with their own bias.

People believe any number of things that other people consider strange. Many people believe in ghosts, alien abductions, communication with dead people, psychic powers, astral travel, talking trees… the list goes on and on. Why are those beliefs considered normal or strange when other similar beliefs are considered just the opposite? If you believe that an invisible spirit can read your thoughts, but don’t believe that humans can be given the same power, why is that? If you believe that trees can talk but don’t believe that ghosts roam the earth, why?

As an atheist and a naturalist, I like to see demonstrable and repeatable evidence that something exists. I’ve never seen the Arctic Ocean, but I believe it exists because of photographs of its existence, maps created of it, tales from explorers whose goal was to find out if it existed or not, and other reliable authoritative sources. I also have confidence that if I wanted to go there that it would be there where it’s supposed to be.

But what is the map to a god? The only maps I’ve seen are of the “just believe and then it will be revealed” type. Well I’ve seen incorrect maps of terrain before. Even maps that I should be able to trust I treat with skepticism until they’re verified against the actual terrain. I won’t even get into the “my map is the only map to (my) god” debate here.

Well this post has gotten way too long so I think I’ll stop here. In a future post I’ll be addressing the arguments made on this site.

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Is Religion a Disease?

August 26th, 2009

I’ve been thinking and reading a lot lately about what religion is and how it affects people. Personally I’m an atheist. Some people say that atheism is my “religion”. I disagree.

Random House Dictionary defines religion as: a set of beliefs concerning the cause, nature, and purpose of the universe, esp. when considered as the creation of a superhuman agency or agencies, usually involving devotional and ritual observances, and often containing a moral code governing the conduct of human affairs. [source]

Superhuman agency? Devotional and ritual observances? Um, I don’t think atheism fits that bill.

American Heritage Dictionary defines it as:

    1. Belief in and reverence for a supernatural power or powers regarded as creator and governor of the universe.
    2. A personal or institutionalized system grounded in such belief and worship.

Wow, that’s even further off. Atheist don’t believe in supernatural powers or a creator/governor of the universe.

If we trust these sources then atheism is most certainly not a religion.

It’s interesting that both definitions of religion include reference to something superhuman or supernatural. This is one of the major attributes of pretty much all of the world’s religions from Christianity to Voodoo to believing that witches or your ancestors are watching you.

What makes people believe such things are real? There is no scientific evidence that I’m aware of that shows that a ghost or god is around and causing things to happen that would not happen if the ghost or god wasn’t there.

An anthropologist would look at this and try to determine what would cause the evolution of such behavior in humans. Is there still a use for it? Or is it like our appendix?

My amateur opinion is that religion is a disease. It’s divisive, oppresive, and often violent. It must be eradicated.

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I Support Single-Payer Healthcare

August 13th, 2009

I support a single-payer everyone-in healthcare system. I have a specific vision in mind for it which I’ll provide here as well as why I support the pieces of my vision. This is my vision and not that of any U.S. government entity that I’m aware of. Any similarity to any actual proposal current or past is completely coincidental.

Single-payer means exactly that: one payer. The problem we have now is that there are too many insurance companies with too many plans and too many ways you can or can’t be covered. This means that if you and I each visit the same doctor for the same procedure and all the same billing codes are used but we have different insurance then we pay different amounts. Not only that, but the doctor probably collects different amounts from the different insurance company.

Additionally, because of so many insurance companies not all doctors accept all insurance. This means that although there may be 20 doctors in your town that can treat you, if only 3 of them are covered by your insurance then you have a choice of 3, not 20.

Aside: I’ve run in to this personally with dental care. There are about 25 dentists in the town I live in. But only ONE of them takes the insurance I have. And since they fired me I now have ZERO dentists I can use in my town and now have to drive to a town 15 miles away for dental work.

Now instead consider if we had only one insurance company. Now doctors have a choice – to accept this insurance or not. They only have to learn how to deal with one system (instead of hundreds) which means they’ll learn how that system works and have fewer errors. It also means that all patients would pay the same when they visit the doctor (this could mean $0, but I’m not getting into minutia here). And, the doctor would get paid the same amount for a procedure every single time.

In our hypothetical town with 20 doctors chances are that most, if not all, of them would accept this insurance. So now instead of having 3 doctors to choose from you have 19 or 20. Doctors would now have to compete on service to get new business. Yes, that’s right, single payer would increase competition.

Now let’s talk about the other side of the coin: everyone-in.  In my vision (remember, this is MY vision. Don’t blame anyone else for it.) every single person who resides in the U.S. and anyone who is a U.S. citizen regardless of where they live would pay insurnace premiums into this system. It would be a tax (yes, that’s an “evil” word, but taxes are the price we pay for civilization so get over it).  This tax would be progressive where those earn a little would pay a little, and those who earn a lot would pay a lot.

As I mentioned before I’m not getting into minutia so I don’t know what those tax rates would be. But let’s assume for a moment that they were 10% of your income. Sounds high, doesn’t it? It’s not. Let me show you why.

Right now the median income in the U.S. is about $50,000 for a family of four. 10% of that is $5,000.  But the average (sorry, I couldn’t find a median) cost for health insurance for a family of four for a year is $12,700.  I imagine health insurance costs vary far less than incomes so comparing a median to an average isn’t going to significantly skew the numbers.

Another advantage of everyone-in is that everyone is paying into the system so there’s more money available to pay out when people need it. Also, your premiums don’t change if your health does. Just because you got lung cancer from smoking for 25 years doesn’t mean you’ll be charged more. You’ve been paying in for 25 years so now you get the benefit of using what you paid for.

Closer to home, you won’t lose your coverage if you lose your job and can’t afford the premiums. No income means no premiums, but it doesn’t mean no coverage. So lose your job. Or quit your job and start your own business. You’ll still have health insurance.

Since the only way an everyone-in system could be enforced is if it’s run by the government then that’s what we’d end up with. However, I would prefer if that entity was completely self-funded. Whatever money it collects it uses to fund its own operations. It has to ask permission from Congress to raise rates (taxes). And the money it does collect cannot be used for any other purpose. I would even like a restriction on loans – that no loans be allowed either.

I’ve tried to think of some objections that might come up. Here’s what I’ve got at this time:

1. Employees will take pay cuts to pay for this.
Probably not. Most large employers are already paying for a large chunk of health insurance for their employees. Mine pays about 62% of the cost. Even if the cost was exactly the same ($12,700 per year for a family of four) since it’s a percentage of income rather than a fixed dollar amount, and would be considered a tax, wages will adjust, but then so would prices that are a result of the wages. The net effect would be pretty close to zero. The major impact would be loss of jobs for the CEOs of insurance companies. The staff could go work for the single-payer system and would probably be happier since they’d be helping people instead of focusing on denying claims.

2. This will ration healthcare.
Healthcare is already rationed. As my example above illustrated I only have a choice of 3 doctors here in my town. I can’t go to any of the other 17 unless I want to pay 5 times more for a visit. That’s rationing. Single-payer will open up more options for healthcare, not reduce them. This is not about doctors working for the government. It’s about doctors working for themselves and getting payments from the single-payer insurance.

3. It’s socialism!
Yes. And so what? There are some services that belong in the public realm. I happen to believe that health insurance (not health care!) is one of those areas. Again, my vision is not about doctors working for the government. It’s about doctors working for the patient and simply getting paid by a single entity.

4. You’ll kill off an industry
Not necessarily. It will kill off the large-scale insurance companies. But those who are working for them could go to work for the government entity. The notable exceptions are the CEOs who would be crying because they wouldn’t be getting $100 million paychecks. I feel for them as much as you do.

5. The government is inefficient and would waste our money
The administrative overhead for a typical government entity is 5-10%. For the typical insurance company it’s about 30%. Who is more efficient? I suppose if your goal is to make money for stockholders then the private company is certainly more efficient at doing that. But personally I’d rather take that 20% difference and put it back into providing healthcare instead of lining the pockets of shareholders. Also, my vision has the entity as self-funded and does not have unlimited taxing power. It would take an act of Congress to increase funding rates.

6. Doctors will spend more time fighting for payment
Really? How much time do they spend now? Most doctors spend 4 hours per day filing claims and fighting to get paid. Remember, right now it’s the goal of the insurance companies NOT to pay claims. Under single-payer that’s no longer the goal. The current system also has different payouts for the same procedure depending on coverage. Single-payer means a single payout amount for a procedure. The chance of an incorrect payout is drastically reduced.

7. Fraud will increase
In every system there is a certain amount of fraud. Our current system actually encourages it because insurance companies don’t want to pay claims. So doctors will occasionally inflate claims in order to be fairly paid for their services. This happens today already. Insurance companies have people on their staff to help detect fraud and put a stop to it.  With a single-payer system there would also be a fraud detection unit. I would think that it would be easier to detect fraud since doctors can only do so many procedures a day/week/year. If a doctor claimed excessive procedures done then since everything goes through one entity it would be easier to spot. Currently a doctor can file claims with dozens of insurance companies who may not have the entire picture. Personally I think fraud would go down, not up.

8. I don’t want to be forced to do anything
To me this sounds like fear of change. But let’s take it at face value. The only thing you’d be forced to do is pay into the single-payer system. You’re most likely already paying insurance premiums. If so, then the only thing changing is who you’re paying. You’ll have a choice of more doctors. You know you’ll have coverage even if you’re out of work. You know you’ll have coverage even if you get really sick. You know you’ll have coverage if you have a child with Down’s syndrome. So what’s really being forced on you is less risk, more choice, and likely lower cost. Is that a problem?

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Prisons for Profit

August 9th, 2009

Today a friend of mine posted a link about the increase of enforcement of crimes that particularly affect poor people. There was a discussion about this on Facebook and the conversation turned towards private prisons (prisons for profit).

My opinion (and that of my friends) is that private prisons do not make sense overall. There are, of course, pros and cons to this argument. Here are the various points that I could find:

Pro Arguments

Profit motive encourages prisons to be run more efficiently. Prisons get a speific amount of money from the government to work with and have to make sure that their facility is safe and performing to government standards. They would also be safer as there are penalties for escapes. The prisoners themselves would be better treated (not quite sure how this works) and would also be healthier (also not quite sure how this works).

Against Arguments

Profit motive encourages longer sentences as prisons are generally paid per-prisoner-day i.e. they get an allowance for each prisoner they have in custody on each day. This incentive discourages rehabilitation as it’s more profitable to keep someone in custody longer so that more money can be gotten from the government (that is the tax payers which are you and me). Why send someone to drug rehab for 90 days when you can incarcerate them for 5 years instead and make a shitload more money off of them.

I found this study which is a reasonable starting point. It doesn’t claim a particular point of view. It only presents what others have learned.

Personally I think the whole prisons-for-profit idea stinks. Here’s my reasoning:

1. Prisons are expensive. It makes sense not to spend taxpayer money on them unless absolutely necessary.

2. Prisons-for-profit have a motive to increase the population of prisoners because each prisoner in custody represents a certain amount of profit each day. The more prisoners in custody the more profit they receive.

3. Point #3 directly conflicts with point #2 which is to keep total costs down. The fewer prisoners in custody the less it costs taxpayers.

4. Rehabilitation programs cost less than prison and are generally more effective. Yes, there are some people who can’t be rehabilitated and will need to be held in prison instead. But does it make sense to lock up a marajuana user who has never committed a crime other than smoking pot? Wouldn’t it make more sense to spend money on rehab instead? (as a side note: I personally believe that marajuana should be legalized, but that’s a different subject and I won’t go into it here)

The U.S. has more people in prison both per capita and overall (yes, even more than China which has about 4 times the population of the U.S.) than any country in the world. Why is this?

I believe it’s because we’ve put out our prisons for profit. If there’s money to be made doing something you can be certain that the people making money from it will be motivated to increase market share. That’s capitalism. So if there’s money to be made locking people up, why wouldn’t those people making money at it be encouraged to have more people locked up?

I ask any free market person out there to explain why prisons-for-profit is good for society and also why the corporations running the prisons would not be encouraging stricter laws and longer prison sentences in order to increase their business.

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To fight or not?

July 5th, 2009

My family was “fired” from our dentist on June 30. Our assumption is they did this because we questioned there billing practices.

On June 3 my wife and I went in for an initial visit and supposedly for a cleaning. Instead of a cleaning though they took a bunch of x-rays (18 pics each!) and just poked around our mouths. Then they told both of us that we needed a full deep cleaning across all teeth. (Periodontic scaling). When we went to the front desk to schedule follow up appointments we were told that our once-a-year deductable was $50.00 each but that our treatments would come to a total of $38.40 each. These are treatments that would normally run over $2000. While skeptical that we actually needed the deep cleaning we went ahead and scheduled for them.

A couple weeks later I went in for my first cleaning. When it was all done and I went up front to pay the person there told me it would be $254.00 for that day’s work. Needless to say I was shocked as I was expecting to pay just under $20 that day.

The person explained that they had gotten my insurance info wrong and that the estimate was quoted for PPO and not the DMO that we actually have. I did my best to be polite but ended up asking if they had “pulled the quotes out of their ass”.  At that point the person understandably got mad. She quickly decided that it would be best just to bill me. And I quickly decided that it would be best if I calmed down before addressing this further.

So about an hour later I came back with the original estimates in hand. It turned out that the person I was talking to earlier was the office manager. I apologized for the comment then calmly proceeded to make my case. It turned out that the $254 that was due for the day was the correct amount due. (I had checked with my insurance company before coming back).  It was the original estimate that was wrong. However, they also were not supposed to charge us the deductables ($50 each).

What got my goat was that the office manager then proceeded to blame ME for the mistake because I hadn’t put the insurance information on the new patient form. Never mind that they had a copy of my card and the card clearly has all the information on it. Of course that also puts them at fault for a bad estimate because if they didn’t know my insurance information then they were effectively pulling numbers out of thin air.

But somehow by the time my appointment rolled around they figured out what my insurance actually covered, so they had the correct information the whole time.

Anyway, I asked her to give me new estimates for all of our upcoming procedures. She told me she could have it for me in time for my appointment the next day. Fine.

I came in the next day about 30 minutes before my scheduled time sneezing and coughing (turned out it’s bronchitis – I still have it). She saw me walk in and we started our conversation. She gave me the new estimates as well as a new amount due of $154 due to the incorrect charging of a deductable. I paid that by check but put “to be disputed” in the memo field.

I also asked to cancel my appointment for that day because I was coughing and sneezing and felt that having them poke around in my mouth with sharp instruments probably wasn’t a good idea, plus I didn’t want to get the hygenist sick. The office manager waived the $25 cancellation fee typically charged for cancelling with less than 24 hours notice. I thanked her and told her that I appreciated that.

She also asked if I was planning on cancelling any other appointments. I told her that I wasn’t sure. She warned me that if I cancelled less than 24 hours in advance that I would be charged the $25 fee. This is fine since that’s their policy.

So today I check the mail after being laid up sick for the past 5 days. There’s a letter from the dentist dated the same day that I went in the office saying that they no longer want my business. (Interestingly though, the postmark on the envelope is 2 days after the date on the letter.)

Here’s the dilemma. We were already strongly considering changing dentists so I’m not really concerned that we’ve been fired. What I’m wondering is if I should go after the dentist for misleading billing practices.

The other concern is whether or not the deep cleaning procedure was even necessary. That’s something I hope to find out soon from whatever new dentist I end up with. If it wasn’t necessary then does that push it further along to where I should go after the dentist for performing unecessary procedures?

I’m not a vengeful person. My concern is more for others who may not stand up for what’s best for them. And if that happens then this dentist will continue to mislead their patients.

What are your thoughts?

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That’s Not Fair!

June 24th, 2009

What’s wrong with this picture?

June 16, 2009: Donte Stallworth pleads guilty to DUI manslaughter – gets 30 days in jail. (http://sports.yahoo.com/nfl/news?prov=ap&slug=ap-stallworth-pedestriankilled&type=lgns)

June 23, 2009: Lee Monroe Crider pleads no contest to stealing Lance Armstrong’s bike – gets 3 years in jail. (http://www.sacbee.com/500/story/1968401.html?mi_rss=Cycling/Hiking/Running)

No, I didn’t swap the sentences. That’s really true.

Donte Stallworth, a wide receiver for the Cleveland Browns, killed someone while driving drunk and got 30 days in jail. He also got his driver’s license suspended for life, has to perform 1000 hours of community service, is under house arrest for 2 years, and then has 8 years of probation. Donte has recently signed a $35 million contract with the Browns.

Lee Monroe Crider, on the other hand, is a nobody who made $6/hr under the table working at a laundromat. For his crime of grand theft (the bike was worth $10,000) he gets 3 years in jail.

Apparently the moral of this story is: If you’re a sports star you can pretty much get away with murder. But if you’re a poor nobody then the justice system will serve a harsh punishment for a relatively minor infraction.

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How Is This Related?

June 13th, 2009

I got a notice today that my auto insurance will be increasing by $97.60 per year. Normally I’d just blow that off to inflation or increased accidents in the state or something else. But the company told me why they raised my rates – because of recent inquiries on my credit history. If you’re thinking “what the fuck?” then your thoughts are similar to mine.

I know my credit score – it’s 804. And I know the source of the inquiry – I refinanced my mortgage. So here I am with an excellent credit score and doing my best to improve my financial situation and my auto insurance company penalizes me for it.

Now I suppose it’s entirely possible that their actuarial department has come up with some statistical measurement that says if someone has looked at their credit report in the last 12 months then they’re at a higher risk for an accident. But to increase my rates by 7% because I’m trying to fiscally responsible is ridiculous!

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Starting to Make Sense

June 10th, 2009

Economics is starting to make sense. I was drafting a post a couple days ago that started by asking “what makes the economy go – consumers or producers?” In my mind it’s both, but I couldn’t figure out how to best articulate that. Then, thanks to an article by Ravi Batra, it made sense.

Economies are balanced when supply (production) = demand (consumption). If demand goes up but supply doesn’t, then you get inflation (rising prices). If supply (productivity) goes up but demand doesn’t, you see deflation (falling prices).

But what has been happening for the last 25+ years is that productivity has gone up, but real wages (demand) has not. When that happens, the way the economy grows is by creating debt. Debt temporarily increases demand. So we’ve been under the illusion of a growing economy, but as we’ve seen it’s starting to unravel in a nasty way. That’s because eventually you have to pay the debt back.

While the debt is being paid back then demand really drops, you end up with oversupply, and prices start to fall. When prices fall, people wait to spend their money because it will be worth more tomorrow than it is today. That, of course, exacerbates the deflation problem. It’s what happened in 1929.

In a way, the Suzie Ormann’s of the world are right. Getting out of debt is the answer. It will hurt for the short run but once the economy stablizes it will help a lot for the long run.

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