On Thanksgiving people often voice thanks for the many benefits of life. But whom do they thank? God? Should we really thank God for the good things in life, or should we condemn him for the horrors and terrors of life?
The primary reason for the existence of religion is to relieve people of fear. Marx called religion the “Opiate of the Masses.” This was a perfect explanation of the religious impulse. We live in a world filled with pain, sorrow, depression, and horror, but the religions tell us that there is a God out there who loves us and loves the world. This God will take care of us and, after death, will provide us with a paradise of joy and happiness.
I was speaking to someone and I proposed that if there really was a God, we should not worship or love or adore him, but rather, we should hate him. The person responded that we should worship him because “life is beautiful.” I replied that although life has moments of beauty and happiness, there is far too much sorrow and unhappiness to say that life is beautiful.
Consider the following: The great majority of people in the world live in abject poverty. Most of those people suffer from hunger, disease, famine, tsunamis, cyclones, hurricanes, earthquakes, volcanoes, tornadoes, floods, droughts, plagues, infestations, and war. When one looks at the continents of Africa, Asia, and South America, one wonders how there could be a loving God looking over those people. Hundreds of millions of the people on those continents are subjected to widespread diseases such as cholera, malaria, sleeping sickness, AIDS, Dengue Fever, and Yellow Fever. They have insufficient clothing, shelter ,and medical care. They are ruled-over by tyrants and dictators.
Millions of women throughout the world are treated as chattels without civil rights. They are beaten, raped, stoned, and subject to genital castration designed to eradicate their sexual pleasure. It is hard to imagine that such people are happy.
Hundreds of thousands of women, young girls, and boys are abducted each year by sex-crazed men who imprison and often torture them, using them as sexual toys for repeated rape. Many thousands of them are sold into sexual slavery, often to be bought by so-called upstanding members of the community.
What about the lucky people in America and the more affluent countries of Europe? One would think that they have many reasons to thank God. But we need to ask, are the lives of Americans so blessed and happy? Let’s start with health. Practically everybody in America has somebody in their family suffering from some serious illness. Millions of Americans have children with serious congenital diseases and infirmities such as autism, blindness, deafness, physical deformity, Down Syndrome, mental retardation, mental illnesses, muscular dystrophy, diabetes, epilepsy, cystic fibrosis, heart disease, cancer, and hundreds of other less common syndromes and disorders. The parents of such children often live lives of great sorrow.
Millions of adult Americans also suffer from terrible diseases. Heart disease, cancer, kidney disease, liver disease, Emphysema, Parkinson’s disease, Multiple Sclerosis, Lou Gehrig’s Disease (ALS), AIDS, Crohn’s Disease, chronic pain, and hundreds of other conditions beset the happiness of their lives. Millions of Americans suffer from mental problems, depression, anxiety, fatigue, lonliness, phobias, panic attacks, disabling shyness, and stress throughout their lives. Millions of Americans suffer from the effects of terrible automobile accidents and other injuries. They go through life as cripples with disabled or missing limbs, internal organs, and other essential parts of their bodies, or suffering from terrible pain.
As people get older, they greet a host of problems afflicting older Americans such as strokes, heart disease, arthritis, diabetes, hearing and seeing defects, prostate problems, osteoporosis, erectile dysfunction, sleep disorders, Alzheimer’s and memory loss, and hundreds of other medical and psychological problems that impair their happiness. As people age their bodies breaks-down, their skin wrinkles, their hair disappears or turns white, their energy fails, and they lose their sexual ability and attraction.
Millions of Americans are addicted to alcohol, pain medication, and illegal drugs. Almost all of them are living in terrible misery, unable to shake the imprisonment of their addictions. There are millions of homeless people living on the streets, in tents, under bridges, and in shelters. Millions of other Americans are addicted to behavior patterns such as gambling addiction, fetishism, sexual addiction, frigidity, obsessive-compulsive behavior, dependency, and other forms of addiction. There are millions of people with sexual deviations including the need to molest children or rape women. Millions of people engage in abusive behavior, physically beating or verbally berating their spouses, companions, and children. Millions of spouses, companions, and children are victims of such abuse. Such people cannot possibly be happy.
Millions of Americans live in poverty surrounded by a land of plenty. They eke-out a living in slums, tenements, housing projects, trailer parks, and rural shacks. They often go hungry in this land of plenty. Many go without decent clothing, shelter, ordinary medical care, and live in places without heat, cooling, electricity, telephone service, computers, sanitation, or even running water.
Millions of Americans are the victims of discrimination. People of all minorities suffer from bigotry. Millions of homosexuals, transvestites, transsexuals, and other trans-gender people are the objects of prejudice and condemnation by millions of other people.
Every day one reads in the paper about people who commit crimes. There are thousands of kinds of crimes committed every day by millions of people. It is difficult to guess what percent of the populace is dishonest, violent, dangerous, fraudulent, and deceitful, but judging from the constant news of crimes, schemes, scams, and corruptions, the number must run well into the tens of millions. There are millions of people engaged in serious and not-so-serious crime, including robbery, larceny, drug offenses, burglary, mugging, assault and battery, murder, and thousands of other kinds of crime. One constantly hears about violent massacres by crazed gunmen in schools, theaters, and public places. In addition to the victims of such killings, the families, friends, and communities of the victims are also victims. Millions of Americans are incarcerated in prisons and jails. There are millions of wives, children, parents, and other close relatives of prison inmates. These people must suffer having their loved ones in jail. There are millions of victims of crimes whose lives have been ruined by the crimes of others.
Throughout the world there are fanatic terrorists driven by religious hatred who make it their business to kill others who do not share their beliefs. I cannot imagine how many people are killed each year by these zealots but it must be in the thousands. It seems that every day one reads about a bomb going off in the Middle East or some other place, killing innocent people. If we consider the minds of the terrorists, they must be angry, tormented, unhappy people who have a lust for blood.
Millions of Americans are in unhappy marriages or relationships. Millions of Americans are suffering from the breakdown of their marriages or the breakup of relationships in which they were very much in love. Half of all marriages end in divorce. A majority of those who do not get divorced go on living in unhappy marriages. Millions of people are engaged in illicit sexual entanglements that cause them emotional pain and guilt. Millions of people are almost suicidal because of the infidelity of a spouse or loved one. Millions of people suffer from feelings of inferiority or lack of self-worth. Millions of people suffer from the feeling that they are too fat, too thin, or unattractive.
Millions of Americans hate their jobs or suffer under cruel, tyrannical, or sadistic bosses. There are millions of people with sour, nasty, cruel, vicious, malicious, and evil personalities who make it their business in life to damage, spoil, and injure the lives of other people. Millions of people live lives consumed with envy, jealousy, and hatred of others whom they perceive to be more fortunate than they.
Millions of families have children with serious behavior problems. Many of these children may grow up in middle class homes with respectable parents, yet such children are constantly in trouble with school, neighbors, the police, and others. Thousands of such children run away every year only to wind-up on the streets caught-up in drug addiction, prostitution, and crime.
For every Bernard Madoff carrying-out a giant stock swindle, there are thousands of businessmen, brokers, hedge fund managers, and others engaged in insider trading and other blatant violations of the rules of business law and ethics. Millions of Americans cheat others in smaller ways for smaller amounts of money. If one were able to calculate the amount of money embezzled from businesses, organizations, and charities each year it would probably be up in the billions if not trillions. I have known several embezzlers in my lifetime. I’m sure everybody has.
Although one would expect great probity from the wealthiest and most successful people, it is simply not there. Doctors routinely over-bill for services. Andy Rooney told a story about a doctor who came into his room while he was in the hospital for treatment. The doctor said hello and mentioned that he liked Rooney’s work. He then departed without examining or treating Rooney, and later billed Medicare for $240. I have heard many such stories. I have had personal experience with dishonest doctors. One doctor who came in and handed my wife a card while our son was being treated for a broken bone at the hospital, later billed for services even though he did not examine or treat my son at all. Doctors frequently bill for services never rendered. Medicare and Medicaid pay tens of billions for fraudulent claims by physicians who are wealthy by any standard.
Eventually, we die. Death is not a simple leaf dropping off a tree. Death is usually painful. Often, it is horrible. It is usually accompanied by the grief of loved ones.
Yes, life does have its moments of happiness and beauty. There are some wonderful things in life, and some people do live very happy, prosperous, safe, healthy lives. Those people can be thankful for all they have, but they probably represent a small fraction of the people on earth. If you stop and consider all of the unhappiness, pain, disease, grief, and guilt suffered by the vast majority of people in the world, it can hardly be said that life is beautiful.
While many people suffering from the terrible things listed here may not think life is bad, that is because of the human ability to cope with the things that make us unhappy. It is a wonderful thing that people going through the most extreme torments will often try to look on the bright side of life. But if we stop and look at all of the problems faced by humans and listed here, we can hardly say that life is beautiful. We can hardly find reason to thank that mythical being called God.
Surely, if there was a God, and he was a good and loving God like the one worshipped by most religions, life would not be filled with such misery. There would not be millions of starving, diseased, oppressed people in Africa and other parts of the world. There would not be so much tragedy, horror, injury, illness, poverty, hunger, anger, war, and death. We would not have to wait for some mythical afterlife to experience a better life. Life on earth would really be beautiful for everyone.
Friday, November 25, 2011
Friday, November 11, 2011
Republican War Against Healthcare for Seniors
I suspect that most senior citizens who call themselves Republicans are unaware of the plans that the Republican candidates for President and the Republicans in Congress have for Medicare and health care. I suggest that they find out now so that when the time comes to vote they will know who wants to abolish their right to health care in old age.
The Republicans in both houses of Congress are now on record as having voted for a budget prepared Rep. Paul Ryan (R-Wis.), Chairman of the House Budget Committee, which would abolish Medicare as we know it. Ryan’s plan would save the government billions of dollars by shifting the burden of paying for medical care from the government to the senior citizens who would otherwise be covered by the current program.
The way Medicare works today, the government pays for all approved medical care of senior citizens. Let’s say that you need to have heart-bypass surgery. The surgeon will bill Medicare for the cost of the surgery, which might be in the tens of thousands. Medicare will approve a percentage of that bill and pay the surgeon. Most surgeons will accept as full payment the amount paid by Medicare, but if there is a deductable or amount in excess of the Medicare amount, most seniors are able to pay it by taking-out Medicare-Plus insurance.
Under the Republican plan put forth by Representative Ryan, the government would no longer make Medicare payments for people who are 55 years old and under at the time of the legislation. When those people become eligible for Medicare, there would be no Medicare for them. They would have to purchase private health insurance. Under the Ryan plan the government would assist people earning less than $80 thousand per year by giving them a voucher to help pay for health insurance. For people earning over $80 thousand, the voucher would be half the amount, and even less for people earning over $200 thousand per year. The voucher amount would be pegged to the cost of living.
The basic problem with the Ryan plan is that the cost of health insurance is rising at a rate far higher than the cost of living. The leading economists have asserted that in ten years, when the 55-year-old generation reaches eligibility for Medicare, the cost of health insurance will be more than double the amount provided for in the Ryan budget. That means that those seniors would have to pay an amount equal to, if not more than, the amount they would have to pay for health insurance today if there were no Medicare. Sure, this would save the government billions of dollars, but it would deprive millions of seniors of health care during that period of their lives when they are most in need.
Senior Citizens should also realize that the Republicans want to repeal the healthcare reform law, more properly known as the Patient Protection and Affordable Care Act of 2010 (PPACA). The Republicans in the House of Representatives have already voted overwhelmingly to repeal PPACA (which they derisively call “Obamacare”). Fortunately, that effort could not succeed because of Democratic control of the Senate. But who knows? Perhaps at some later date Republicans will gain the strength to carry out their plan to totally repeal all of the provisions of the law. What would happen then?
Senior citizens who are beneficiaries of the Medicare Part D drug program should be aware that the PPACA provides for the eventual elimination of the “doughnut hole” and has already begun to close it. The “doughnut hole” is the period during which seniors have had to pay the full cost of their prescriptions after they amassed $2,700 in drug costs. After $2,700, Medicare did not resume paying for drug expenses until seniors reached $4,350 in out-of-pocket payments, a figure most seniors never reach in one year. The PPACA has already cut the doughnut hole by $500 and has instituted a 50 percent discount in brand-name drugs. For many seniors who simply cannot afford to buy their essential medications during the doughnut hole, that will be life saving. If the law is repealed, the doughnut hole will remain. Of course, many Republican leaders want also to repeal the whole Medicare Part D drug program and make seniors pay the full cost of all medications.
The PPACA also provides many provisions that will benefit seniors as well as everybody else. Included are provisions that forbid insurance companies from denying coverage on account of preexisting conditions, from placing lifetime or annual caps on coverage, and from rescinding coverage after a patient files a claim. The law creates a long-term-care insurance program, financed by voluntary payroll deductions, to provide benefits to adults who become functionally disable. It eliminates co-payments for preventative services and exempts preventative services from deductibles under the Medicare program. There are many other provisions, too numerous to set forth here, benefiting seniors.
Seniors should be aware of the position of the current Republican candidates on health care. All of the candidates have shown support for the Ryan budget plan that abolishes Medicare. All of the Republican candidates, including Mitt Romney, would repeal PPACA. For example, Michele Bachman, who has called for repealing PPACA, has also called for the phasing-out of Social Security and Medicare. Governor Rick Perry has plainly stated that he considers Medicare and Social Security to be unconstitutional. He calls Social Security a “Ponzi scheme.” Ron Paul has long held that Medicare and Social Security are unconstitutional. Herman Cain wants to totally eliminate Medicare and Social Security. Newt Gingrich has argued that Medicare, Social Security, and other entitlement programs are fiscally unsustainable. He would replace Medicare and Social Security with private accounts so that seniors could save their money and pay for private health insurance. For low income seniors, he would offer vouchers similar to those offered in the Ryan budget plan.
If you are a senior citizen, or somebody who is on the brink of qualifying for Medicare, you have to ask yourself: Do you want to have Medicare abolished as the Republicans have already tried to do? Do you want to go on paying the full cost of medications after reaching the doughnut hole? Do you want the Medicare Part D program abolished? Do you want to restore the practices by insurance companies of denying coverage on account of pre-existing conditions, lifetime or annual caps, and other factors?
I would think that regardless of whether you are a Republican or a Democrat, you would strongly oppose the Republican efforts to eliminate your health benefits. You should remember this when the time comes to vote for the next president and U.S. Congress.
The Republicans in both houses of Congress are now on record as having voted for a budget prepared Rep. Paul Ryan (R-Wis.), Chairman of the House Budget Committee, which would abolish Medicare as we know it. Ryan’s plan would save the government billions of dollars by shifting the burden of paying for medical care from the government to the senior citizens who would otherwise be covered by the current program.
The way Medicare works today, the government pays for all approved medical care of senior citizens. Let’s say that you need to have heart-bypass surgery. The surgeon will bill Medicare for the cost of the surgery, which might be in the tens of thousands. Medicare will approve a percentage of that bill and pay the surgeon. Most surgeons will accept as full payment the amount paid by Medicare, but if there is a deductable or amount in excess of the Medicare amount, most seniors are able to pay it by taking-out Medicare-Plus insurance.
Under the Republican plan put forth by Representative Ryan, the government would no longer make Medicare payments for people who are 55 years old and under at the time of the legislation. When those people become eligible for Medicare, there would be no Medicare for them. They would have to purchase private health insurance. Under the Ryan plan the government would assist people earning less than $80 thousand per year by giving them a voucher to help pay for health insurance. For people earning over $80 thousand, the voucher would be half the amount, and even less for people earning over $200 thousand per year. The voucher amount would be pegged to the cost of living.
The basic problem with the Ryan plan is that the cost of health insurance is rising at a rate far higher than the cost of living. The leading economists have asserted that in ten years, when the 55-year-old generation reaches eligibility for Medicare, the cost of health insurance will be more than double the amount provided for in the Ryan budget. That means that those seniors would have to pay an amount equal to, if not more than, the amount they would have to pay for health insurance today if there were no Medicare. Sure, this would save the government billions of dollars, but it would deprive millions of seniors of health care during that period of their lives when they are most in need.
Senior Citizens should also realize that the Republicans want to repeal the healthcare reform law, more properly known as the Patient Protection and Affordable Care Act of 2010 (PPACA). The Republicans in the House of Representatives have already voted overwhelmingly to repeal PPACA (which they derisively call “Obamacare”). Fortunately, that effort could not succeed because of Democratic control of the Senate. But who knows? Perhaps at some later date Republicans will gain the strength to carry out their plan to totally repeal all of the provisions of the law. What would happen then?
Senior citizens who are beneficiaries of the Medicare Part D drug program should be aware that the PPACA provides for the eventual elimination of the “doughnut hole” and has already begun to close it. The “doughnut hole” is the period during which seniors have had to pay the full cost of their prescriptions after they amassed $2,700 in drug costs. After $2,700, Medicare did not resume paying for drug expenses until seniors reached $4,350 in out-of-pocket payments, a figure most seniors never reach in one year. The PPACA has already cut the doughnut hole by $500 and has instituted a 50 percent discount in brand-name drugs. For many seniors who simply cannot afford to buy their essential medications during the doughnut hole, that will be life saving. If the law is repealed, the doughnut hole will remain. Of course, many Republican leaders want also to repeal the whole Medicare Part D drug program and make seniors pay the full cost of all medications.
The PPACA also provides many provisions that will benefit seniors as well as everybody else. Included are provisions that forbid insurance companies from denying coverage on account of preexisting conditions, from placing lifetime or annual caps on coverage, and from rescinding coverage after a patient files a claim. The law creates a long-term-care insurance program, financed by voluntary payroll deductions, to provide benefits to adults who become functionally disable. It eliminates co-payments for preventative services and exempts preventative services from deductibles under the Medicare program. There are many other provisions, too numerous to set forth here, benefiting seniors.
Seniors should be aware of the position of the current Republican candidates on health care. All of the candidates have shown support for the Ryan budget plan that abolishes Medicare. All of the Republican candidates, including Mitt Romney, would repeal PPACA. For example, Michele Bachman, who has called for repealing PPACA, has also called for the phasing-out of Social Security and Medicare. Governor Rick Perry has plainly stated that he considers Medicare and Social Security to be unconstitutional. He calls Social Security a “Ponzi scheme.” Ron Paul has long held that Medicare and Social Security are unconstitutional. Herman Cain wants to totally eliminate Medicare and Social Security. Newt Gingrich has argued that Medicare, Social Security, and other entitlement programs are fiscally unsustainable. He would replace Medicare and Social Security with private accounts so that seniors could save their money and pay for private health insurance. For low income seniors, he would offer vouchers similar to those offered in the Ryan budget plan.
If you are a senior citizen, or somebody who is on the brink of qualifying for Medicare, you have to ask yourself: Do you want to have Medicare abolished as the Republicans have already tried to do? Do you want to go on paying the full cost of medications after reaching the doughnut hole? Do you want the Medicare Part D program abolished? Do you want to restore the practices by insurance companies of denying coverage on account of pre-existing conditions, lifetime or annual caps, and other factors?
I would think that regardless of whether you are a Republican or a Democrat, you would strongly oppose the Republican efforts to eliminate your health benefits. You should remember this when the time comes to vote for the next president and U.S. Congress.
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