Why Don’t Republicans Seem to Care About Opinion Polls?

As of June 28, the American public’s opinion of the GOP Senators’ health care plans is starkly negative. In three separate polls, only 12-17% approve of the plan and 53-58% disapprove or think the ACA should be left alone or tweaked.

With such a strong condemnation of the process and plan, you might think that Republican lawmakers will listen to the electorate and work on a health care plan that the voters want. There are a few Republican senators who are openly calling for the bipartisan approach, but they are very much in the minority.

So why are so many Republican senators ignoring the wishes of the voters and trying to push through a Republican-only health care plan which gives $700 billion in tax breaks primarily to the wealthy while kicking about 15 million people out of Medicaid? Oddly enough, they are listening to the voters – they’re listening to their primary voters and the big money on the far right.

Just ask Senator Dean Heller of Nevada. The day after the release of the Senate GOP bill, the Better Care Reconciliation Act or BCRA, he stated that he would not support the proposed legislation in its current form. Mr. Heller explained that the BCRA would not protect the most vulnerable in Nevada – the elderly, those with mental health and substance abuse issues, and people with disabilities. He noted that half of the Medicaid expansion money goes to pay for mental health and opioid addiction treatment.

The response from the right to Mr. Heller’s reasoned arguments was swift. The political action committee (PAC) America First Policies – which was founded and is run by top Trump campaign officials – launched a TV, radio and social media campaign attacking the Senator. The TV ads claimed that now that there is “a chance to repeal and replace Obamacare with patient-centered care that protects American families, Sen. Dean Heller is saying ‘No.’”

The radio and social media ads went further accusing Mr. Heller of saying  “‘No’ to tax cuts to help small business, ‘No’ to ending Obamacare penalties, and ‘No’ to families who can’t afford to see the doctor of their choice.” Per Political, “over the weekend, America First Policies launched an aggressive digital campaign deriding the senator as a liar, labeling his behavior ‘unacceptable,’ and even likening him to House Minority Leader Nancy Pelosi, a reviled figure in conservative circles.”

The reported $1.3 million campaign by the PAC against the senator was cut short by outrage and complaints from the vast majority of Republican senators. The program stopped after senators complained to White House officials over the weekend and to the president on Tuesday, but the message was clear to Sen. Heller. The attack reminded him of The Godfather movies, and in that spirit he reportedly told the Senate Majority Leader, “It’s going to be very difficult to get me to a yes …have to make us an offer we can’t refuse, me and the governor.”

So even though 3 to 5 times as many people disapprove of the Republican health care plans than approve, most GOP lawmakers are not worried. The threat from the right in a primary election is much more of a concern than a large disapproval rate in the general election. Due to gerrymandering, only a small percentage of districts in the House of Representatives are competitive. For more than 90% of the candidates in safe Republican districts, they will be re-elected as long as they survive the primary.

Senate elections are statewide, but most states are predictable in whether their senators are Republican or Democrat. For those in purple states – those who sometimes elect Republican senators and sometimes go for Democrats – the senators need to be more moderate. Nevada is one of those states and Mr. Heller must be more centrist to retain his seat in next year’s election. A far right candidate is less likely to win the primary election because that candidate would be less likely to win in the statewide general election. As a result, Sen. Heller can weather the attack from America First Priorities and make a Godfather reference about it.

The majority of Republican senators, however, fear a primary challenge from the right and will not concern themselves with that 56% disapproval rate with respect to the BCRA.

It’s politics, not doing the best for the American people.

It’s politics, not making sure there is enough money for nursing home care for the elderly.

It’s politics, not protecting rural hospitals from an onslaught of uninsured patients who have no other options than the emergency room.

It’s politics, not worsening the national debt by giving $700 billion in tax breaks – more than two-thirds to those making more than $220,000/year and nearly 45% to those making more than $500,000/year.

It’s just politics, and the risk of not keeping the campaign promise to repeal and replace Obamacare is a much more insidious threat to Republican lawmakers than having the majority of the nation disapprove of your actions. And that is why opinion polls don’t matter to our elected officials.

It seems like a good time to have a viable, centrist third party in the United States.

Posted in Economics, Healthcare, U.S. Politics, Uncategorized | Leave a comment

GOP Health Plans – Part II

Quick one – the numbers speak for themselves. Per the Congressional Budget Office (CBO) analysis, versus the current law (the Affordable Care Act or Obamacare), the Senate Republicans’ Better Care Reconciliation Act of 2017, would:

  • leave 22 million fewer people with medical insurance in 10 years,
  • cut about $700 billion in taxes (with nearly 45% of the tax cuts go to the top 1% of income, that is making more than $875,000 per year), and
  • reduce the cumulative federal deficit by a total of $321 billion over the next ten years,
  • premiums would drop because insurance plans would be skimpier and 50-64 year-olds will drop out of the market,
  • even with lower premiums, most people would pay more for insurance coverage because there would be less financial help and their deductibles will be higher.

Yes, that’s right. Reduce the growth in federal debt by $321 billion while giving more than twice that in tax cuts, primarily to the wealthy.

How? By cutting health care to the majority of Americans (less Medicaid which mostly goes to seniors and the disabled and less help paying premiums).

This makes no sense. The Republicans seem to be saying that only the wealthy people in this country matter.

A ray of hope today though. Susan Collins, the least conservative Republican in the senate, tweeted: “I want to work w/ my GOP & Dem colleagues to fix the flaws in ACA. CBO analysis shows Senate bill won’t do it. I will vote no on mtp.”

That’s what should have been the plan all along – a bipartisan approach to do the best thing for the most Americans. Thank you, Susan Collins.

Posted in Economics, Healthcare, U.S. Politics, Uncategorized | Leave a comment

GOP Health Plans: “Die, You Gravy Sucking Senior”

… or person with special needs, or pre-existing condition, or lady parts.

I can’t understand what’s going on in Congress these days. The House and Senate Republicans’ healthcare bills send a clear message that unless you have a lot of money, you are not worthy. You’re not worthy of support, you’re not worthy of preventative healthcare, you’re not worthy of living longer. The healthcare bills cut taxes on the rich and gut Medicaid and their supporters are attempting to sell it as a good thing.

And it may be working.

The Republicans have a long track record of framing issues in such a way that people who are harmed by a policy support it anyway. They have been sold on the idea that they will benefit from the policy.

A good example is “tax relief.” That phrase has been used for decades as a way to cut taxes which greatly benefit the wealthy and harm the middle class and poor. For the middle class, they see a few hundred or thousand extra dollars in their net pay over a year and think they are winners, but then they complain about bad roads, poor schools and incompetent staff at the VA. They don’t seem to make the connection that the vast majority of the tax cuts went to the rich and for them, a car repair from bad roads won’t break the bank, there are many good private schools to send the kids, and they don’t really need VA benefits, even for the few who are entitled.

So how are the Republicans framing their healthcare bills?

Health and Human Services Secretary Tom Price: “Nobody will fall through the cracks, nobody will have the rug pulled from under them. We believe we’ll get more individuals covered than are covered now.”

Sen. John Thune (SD): “We’ve got to be able to make Medicaid sustainable, which it’s not today, and give states flexibility to design plans that work better for their populations but that don’t pull the rug out from people who really, really need help.”

Sen. Ron Johnson (WI): “We are mortgaging our children’s future. A compassionate society doesn’t impoverish future generations for benefits in the here and now.” (Sen. Johnson is not in support of the bill as proposed, but wants to include additional cuts in federal healthcare spending.)

In brief, the Republicans frame the message as (1) Obamacare is failing, (2) We spend too much on healthcare, (3) States know better than the federal government, and (4) “Trust us – nobody will fall through the cracks.”

The Democratic response is (1) It hasn’t been Obamacare since Trump was elected and told insurers he would cut support, (2) Then why does the bill give a $765 billion tax break to the wealthy (mostly), (3) Really? States will be able to care for many more people with much less money?, and (4) Are you kidding me?

See how much better Republicans are at framing the message?

Because the Republican healthcare bills provide hundreds of billions of dollars in tax breaks primarily to the wealthy (40% to the top 1%) and cut Medicaid by billions of dollars, they are a hardship for tens of millions, but they are a death sentence for those in nursing homes and other long-term care facilities. Only 6% of Medicaid enrollees use these services, but they account for 42% of all Medicaid spending.

If you were coldhearted, the decision is easy – get rid of those who use expensive services. Kill off the elderly poor, the disabled poor, the poor with cancer, diabetes or kidney disease. You don’t have to get your own hands dirty. If you’re a member of Congress, all you have to do is pass these healthcare bills. That will cut the funds that keep these people alive, and in the process, you’ll improve the social security trust fund’s health because there will be fewer payees. It seems that these healthcare bills are a win-win for Republicans in Congress.

And they can pass the blame. It’s the states’ fault for not using the money better. It’s the patients’ fault for not living a better quality of life which may have kept them from getting cancer, diabetes or old. It’s the Democrats fault. The Republicans don’t really need to justify why it’s the Democrats fault – it’s just what they say these days – “Democrats are obstructionists toward this legislation” (in which we didn’t even want them involved, but don’t say that part out loud.) Strange times indeed.

Since Donald Trump’s election, my wife has wondered on several occasions whether we should consider moving to another country because most actions planned by Congress and the president will harm the country in the long term. For six months I have answered that while income and wealth inequality is bad for the country as a whole, we are on the better side of the divide. I have even suggested early retirement in Sedona, AZ, where we would go hiking and play golf every day as a better alternative to moving to another country.

But these Republican healthcare bills are changing my mind. They are an attack on old people and I hope to be old one day. If the U.S. has a healthcare policy engineered to kill you off once you reach a certain age and have less than a certain level of assets, that is scary. Not just a policy – the Republicans are intent on getting this written into federal law. Canada is looking pretty good right about now. I should start learning French.

Posted in Economics, Healthcare, U.S. Politics, Uncategorized | Leave a comment

Is a Healthcare Crisis and Recession on the Way?

The Republicans have a well defined strategy. President Trump and House and Senate leaders do not want to craft legislation that requires a single Democratic vote. All executive orders from Mr. Trump move the country in a direction contrary to Democratic Party values, and Congressional leaders have made no attempt to involve Democratic members in lawmaking.

Even though President Trump received only 45.9% of the vote in November and the voters reduced their majority in both chambers of Congress, Republican leaders are operating as an oligarchy. They are using strong arm measures to ensure that the policies of the leaders are the only ones that see the light of day. The closest the Democrats have been to the legislative process in the 115th Congress was when the President blamed them for the failure of the first attempt to pass the American Health Care Act (AHCA), even though no effort had been made to secure their votes.

This Republican game plan causes a great deal of distress for centrists and left leaning professionals. Their values have no voice in two branches of the federal government, or at least no voice that has any power. Actions already taken by this president and Congress permit more pollution and fewer consumer protections. There is real fear that health care may become unaffordable. Other proposals such as Trump’s tax plan seem geared solely for the benefit of the wealthy with an unrealistic growth projection to make it palatable to the electorate.

Doctors are chief among those professionals feeling under attack, and they are smart enough to recognize the smoke and mirrors proposals coming out of the Trump Administration and Republican leadership.

Most doctors are concerned about the proposed plans to repeal and replace the Affordable Care Act (ACA). In a January poll, just 15% of primary care physicians wanted the ACA repealed; even in doctors who voted for Trump, only 38% want the law repealed. The AHCA passed by the House of Representatives on May 4, is highly unpopular among both the general population and physicians. In recent polls, the public considered the AHCA to be a bad idea (48% “bad” vs. 23% “good” in NBC News/Wall Street Journal poll conducted May 11-13) while doctors had an unfavorable opinion of the legislation (66% negative vs. 28% positive in a Merritt Hawkins poll released May 11).

Many physicians are also concerned with the Senate plan. No details have been released other than it is being written in secret by a 13-member panel (all male) and that the Senate will use budget reconciliation procedures so they do not have to cooperate with Democratic senators and can even lose two Republican ones. This cloak and dagger process is highly stressful to many doctors.

And those doctors are already stressed. A study at the Mayo Clinic found that more than half of American physicians are physically and emotionally exhausted and losing their sense of purpose. And that is where the Republican policy of pushing through legislation that benefits only wealthy and conservative constituents without regard for the rest of the country may lead to a healthcare crisis and recession.

It’s painful to have your expertise ignored and your beliefs continually under attack. A change may be in order for many physicians and with a little help from 1960s counterculture icon Timothy Leary, perhaps it’s time to “turn on, tune in, drop out.”

As explained in his 1983 book Flashbacks, for Leary, “’Turn on’ meant to go within to activate your neural and genetic equipment. Become sensitive to the many and various levels of consciousness and the specific triggers that engage them. ‘Tune in’ meant interact harmoniously with the world around you – externalize, materialize, express your new internal perspectives. ‘Drop out’ suggested an elective, selective, graceful process of detachment from involuntary or unconscious commitments. ‘Drop Out’ meant self-reliance, a discovery of one’s singularity, a commitment to mobility, choice, and change.”

For many overworked doctors, that description may seem pretty good right about now.

Not all doctors have this opportunity to drop out, but many do. Doctors who have put away enough retirement money, are 50+ years old, don’t have small children at home, have saved enough for their kids’ college education, and probably have no mortgage and certainly no student loans can consider it. Desperate times sometimes call for desperate measures.

How appealing for many doctors in this stage of life to give their 6 month notice, sell their house and buy a modest one in Napa, Sedona or Boulder. They would be able to hike or ski every day, do some writing or painting, or learn to play the guitar. Annual passes for golf or skiing are a good value when you have the opportunity to use them.

But doctors are lifelong high achievers, and that is not likely to change in retirement. These professionals will likely lead the next wave of innovation in medicine and they can always pick up some money with locum tenens work, if needed.

There should be plenty of locums work available if this move to early retirement occurs because it will produce a doctor shortage. That is where the healthcare crisis and economic slowdown will begin. The Republican plan to pass legislation that only benefits the wealthy and leaves tens of millions without medical insurance will drive some physicians out of the workforce. In retirement, these doctors will cut their spending and that will be a drag on the economy.

Spending on medical care has been a main driver in the U.S. economy for years and that will likely change under whatever plan the Republicans pass. In post-ACA America, emergency room visits will increase – a substantial portion of the cost not collectible – and people will likely be less healthy. Rural hospitals will probably close as a result of that economic blow and rural Americans will become even sicker. Unhealthy people are less productive so there will be a further drag on the economy. 

When physicians with the means to choose early retirement weigh the options, retirement may look pretty good. They may feel uncomfortable leaving a work environment in which they are highly respected for the uncertainty of early retirement, but when you feel you are under attack for simply doing your job or having the beliefs you have, the decision gets easier. And many will find that while they are highly respected in their field, it may have been a long time since they were truly happy.

And in that way they can probably relate to Abd-ar-Rahman III, a 10th century ruler in what is now Spain:

“I have now reigned above fifty years in victory or peace; beloved by my subjects, dreaded by my enemies, and respected by my allies. Riches and honors, power and pleasure, have waited on my call, nor does any earthly blessing appear to have been wanting to my felicity. In this situation, I have diligently numbered the days of pure and genuine happiness which have fallen to my lot: they amount to Fourteen: – O man! place not thy confidence in this present world!”

For physicians, this may be interpreted as “O doctor! Place not thy confidence in this present job!” Choose early retirement and you may find true happiness.

Posted in Economics, Healthcare, Make America Great Series, U.S. Politics, Uncategorized | Leave a comment

Republican “Death Pools”

During the debate leading up to the passage of the Patient Protection and Affordable Care Act (commonly known as the “ACA” or “ObamaCare”), one idea to help reduce medical costs did not make it into the final version. This was to allow a small amount of federal money to be used for end of life planning and it was modeled after a popular program in La Crosse, Wisconsin. In this town of 50,000 inhabitants, 96% of those who die have signed an “advanced directive” stating how they would like to die and what end of life care they wish to have. As you may guess from such a high participation rate, La Crosse has the lowest per capita health care costs in the country.

Allowing medical providers to get paid with federal dollars for end of life consultations did not make it into the ACA thanks to Sarah Palin’s August 7, 2009, Facebook post in which she characterized this proposal as “death panels.” That claim was later voted to be the Lie of the Year by PolitiFact’s 5,000+ website readers with more than 61% of the vote, but the damage was done. “Death panels” kept the end of life consultations out of the ACA, unless of course, medical providers wanted to work for free. Many of them chose to do just that in La Crosse.

More than half of all health care spending in the United States goes to pay for the medical “needs” of just 5% of the sickest Americans, and most of those costs are incurred in the last year of life, largely in hospital-based treatment programs. What they discovered in La Crosse, however, is that family members are more likely to pursue extraordinary medical options to extend their loved ones’ lives unless the patient specified ahead of time what he or she wishes. It may be guilt or concern that someone may criticize them for not doing enough or another strong emotion, but whatever the reason, it is expensive and generally not what the patient would have wanted. Most people choose a more dignified way to die if asked ahead of time and would not like to live an extra month or two if it means being stuck in a hospital bed with all the indignities that come with it.

The House Republican health care bill contains something much more deadly than Sarah Palin’s Death Panels – “high-risk pools.” That language in the American Health Care Act or AHCA and the likelihood that some states will apply for waivers which allow insurance companies to enact annual and lifetime limits and refuse coverage for pre-existing conditions will leave many people without coverage.

About half of nonelderly Americans have one or more pre-existing condition. Imagine the burden on those of limited financial resources. Do they pay for an expensive high-risk pool insurance policy or pay the rent? Do they skip the insurance coverage for a year and try to limit their health care costs by stretching their 30 day supply of medicine to 45 days? The AHCA also eliminates the 0.9% Additional Medicare Tax on individuals earning more than $200,000 per year and couples earning more than $250,000 per year which would make Medicare insolvent in eight years. This tax break for the wealthy likely means poorer older Americans will not receive the care they need because there won’t be money to pay for it.

And that’s serious. Nearly 30% of all Medicare spending occurs in the last 6 months of a person’s life. What will poorer retirees do without Medicare? It’s not a good answer, and that’s exactly why President Lyndon B. Johnson signed the bill that created Medicare and Medicaid into law on July 30, 1965. People were dying.

Wealthy older Americans have many more options. There will be supplemental insurance plans they can purchase, or because they are reliable Republican voters, the GOP will likely carve out special benefits for them from the limited health care resources.

The AHCA does not offer the same promises of protection to poorer Americans, regardless of age. Over the years, high-risk pools have been attempted in various states or regions with unimpressive results. Since medical cost inflation is much higher than general inflation, it’s likely today’s new high-risk pool experiment will face bigger obstacles than previous attempts. As with Medicare, the wealthier people in the high-risk pools will be able to pay for coverage, but the poorer people will not. They will probably have to postpone care, use emergency rooms when something can’t be ignored, and face bankruptcy as a result of medical bills they can never pay off.

The good news is that the AHCA is very unlikely to become law in its current iteration, but the bad news is that it has gotten this far. What other attacks are coming from this House of Representatives on the American value of protecting those in need? Without a doubt, the AHCA will mean that many fewer Americans receive health care and that high-risk pools, accelerated Medicare insolvency and allowing insurance companies to choose profits over coverage will kill people. The AHCA is a plan of death pools.

Posted in Economics, Healthcare, Trump Democrats Update, U.S. Politics, Uncategorized | Leave a comment

What if Syria Declares War on the U.S.?

Syria has the right to declare war on the United States after the Shayrat air base was attacked Thursday with 59 Tomahawk cruise missiles. The U.S. declared war on Japan the day after Pearl Harbor was attacked on December 7, 1941, and there were very few people who felt that declaration of war was not justified.

You might say the United States of 1941 and Syria today cannot be compared on equal terms. Bashar al-Assad is brutalizing his people in horrendous ways, unlike the United States seventy-five years ago. Assad is using chemical weapons and barrel bombs on those who oppose his rule and anyone else in the vicinity. The pre-World War II U.S., on the other hand, was terrorizing and lynching people based solely on the color of their skin. There is a valid comparison although Japan’s attack on Pearl Harbor was not in response to the maltreatment of African Americans.

When Donald Trump ordered the cruise missile attack Thursday, it was the eve of the 100th anniversary of the United States entering World War I. That war began with an assassination which led to a declaration of war between a large powerful empire and a small weak nation.

Both countries had military alliances aimed at preventing war because a small skirmish could quickly turn into a large conflict if all parties honored their promises. Russia and France were on Serbia’s side and Germany supported the Austro-Hungarians. Great Britain didn’t have an agreement with any of the primary combatants, but was drawn in when the German Army marched through Belgium to get to France.

But it would be crazy for Syria to declare war on the United States, right? Actually, there are good reasons to do it.

  1. Assad is a pariah with many in the Arab world because he has brutalized his own people to retain control. A declaration of war reminds the region of its imperialistic past and will potentially improve Assad’s image – everyone likes an underdog.
  2. Syria has a couple powerful allies, Russia and Iran. While neither is a match for the United States in firepower, there is no way the U.S. would want to engage either country militarily. Such a conflict would be costly and highly unpopular, and Russia has enough nuclear missiles to destrogen the world many times over.
  3. For all its bravado, Russia is unpredictable and perhaps at a tipping point. Years of economic sanctions plus low oil prices have caused real damage to the Russian economy. High alcohol consumption during these bleak times is pushing life expectancy down and the birth rate doesn’t keep up with the rate of death. Many Russians might want a reset. Their last period of greatness on the world stage followed near total destruction at the hands of the Nazis. Russia has never been conquered and that history suggests the U.S. would fail too in a military conflict, especially if it included an invasion.
  4. Russian leaders are likely disheartened by Trump’s recent actions. They invested much to sway the presidential election his way and hoped to reap rewards. A declaration of war by Syria would give the Russians the upper hand because they are too scary to attack and can claim the moral high ground because, unlike the U.S., they did not attack a sovereign nation without authorization, although Ukrainian leaders would disagree.
  5. The Russian government could call for sanctions against the United States because of the attack and potentially get sanctions lifted against Russia in the process.
  6. The Trump Administration is unprepared for a declaration of war by Syria. Many senior positions in the Defense and State Departments remain unfilled, and it is highly unlikely Congress would declare war on Syria with Russia standing in their corner. The U.S. will probably look foolish and may have to negotiate a settlement in which the U.S. has to pay Syria for the cost of planes and structures destroyed in Thursday’s attack. That would embarrass President Trump and elevate Assad’s image, and Mr. Trump does not have a history of backing down.

Many people on Friday’s news programs were happy to weigh in on the air base attack. Most said they were pleased that Mr. Trump took this decisive action, although a few talked about legal implications. Very few expressed concern with the potential consequences, and no one considered that Syria may declare war on the United States. There’s a parallel with World War I here. Almost nobody thought a major war could happen again because the countries’ economies were so dependent on international trade. Since war is costly in so many ways, why would countries decide to fight when they could enrich themselves with trade instead?

Sounds rational, doesn’t it? But World War I did happen and World War II followed a generation later. I believe there is reason for concern. World War III is one possible result of Thursday’s attack.

I certainly hope it doesn’t come to that, but if the only way to avoid it is for Mr. Trump to admit he made a mistake and apologize, it may be time to build that fallout shelter in the backyard.

Posted in U.S. Politics, Uncategorized | Leave a comment

The EJTM Health Insurance Company

As the efforts to repeal and replace the Affordable Care Act move through Congress, we at EJTM Health Insurance Company, LLC, wish to assure our current and future clients that we are working hard to meet your best interests. Our new health insurance products will help you fulfill God’s mission in this world and reap the ultimate reward in the next.

All EJTM plans include

  • No one with pre-existing conditions can be turned away,
  • Children are eligible to remain on their parents’ plans through age 26 (although the bible tells us that God intended people to become independent at an earlier age),
  • Spiritual counseling and estate-planning services to help our clients “see the light” in the spirit of John 1:5,
  • Full coverage for acute conditions such as broken bones and other injuries if procedures are performed in EJTM Health Services outpatient facilities.

Additional benefits with our health insurance plans include:

The John 1:5 Health Insurance Plan – “The light shines in the darkness, and the darkness did not overcome it.”

  • Only a 50% deductible for out-of-network care of acute conditions,
  • Full coverage for biblically-based treatments and modern pain management programs of chronic conditions (90% deductable for aggressive treatments such as chemotherapy, organ transplant or radiation oncology),
  • Funeral planning assistance,
  • Family members benefit from EJTM Ministries’ Dare to Go On Network which provides support services once the client is welcomed into God’s Kingdom (not available to “same-sex spouses”).

The Luke 6:20 Health Insurance Plan – “Blessed are you who are poor, for yours is the kingdom of God.”

  • A low monthly premium option with high deductibles for those who cannot afford a more inclusive plan,
  • Bankruptcy advice available through EJTM Legal Services should medical bills become unmanageable (fees apply),
  • The “You Can’t Take It With You” video series (loaner computers available) to help clients plan for end-of-life situations,
  • Reverse mortgage options from EJTM Financial Services for those clients who own their own homes.

The Matthew 17:20 Health Insurance Plan – ‘… For truly I tell you, if you have faith the size of a mustard seed, you will say to this mountain, ‘Move from here to there,’ and it will move; and nothing will be impossible for you.”’

  • Unlimited support from EJTM Ministries’ online motivational services to harness the power of faith in combating health issues,
  • Membership in EJTM Ministries’ Prayer Chain so people around the world will pray for your recovery around the clock,
  • Access to telephone prayer groups in which our clients and others dealing with the same medical conditions can share their experiences and prayers with one another in the intimate setting of telephone or video chat sessions.

The Exodus 1:19 Health Insurance Plan – ‘The midwives said to Pharaoh, “Because the Hebrew women are not like the Egyptian women; for they are vigorous and give birth before the midwife comes to them.”’

  • Unlimited services for midwives on the day of delivery (home delivery only – slight charge for extended labor),
  • Advice offered by EJTM Health Insurance professionals regarding pre- and post natal care (available during business hours via toll-free phone service – text, data and per minute rates apply),
  • Assistance from EJTM Health Insurance Company in finding free community health services for pre-natal and infant care.

The Psalm 34:18 Health Insurance Plan – “The Lord is near to the brokenhearted, and saves the crushed in spirit.”

  • Unlimited phone counseling services (available during business hours via toll-free phone service – text, data and per minute rates apply),
  • Membership in EJTM Ministries’ Prayer Chain so people around the world will pray for your mental health recovery around the clock,
  • Family members benefit from EJTM Ministries’ Dare to Go On Network which provides support services once the client is welcomed into God’s Kingdom (not available to “same-sex spouses”).

The Leviticus 18:22 Health Insurance Plan – “You shall not lie with a male as with a woman; it is an abomination.”

  • Unlimited phone counseling services (available 24 hours a day, 7 days per week via toll-free phone service – the client will be reimbursed for text, data and per minute charges),
  • Mandatory attendance at EJTM Ministries’ Pray It Out Camp gatherings for intensive spiritual and counseling therapy,
  • Free membership in EJTM Connections’ responsible online dating service so you will be able to fulfill God’s mission by finding love with a member of the opposite sex.

These are just a few of the health insurance options we plan to make available following the repeal and replacement of the Affordable Care Act. These plans not only help keep you in good physical shape, but also make you right with God, so you are in the best spiritual shape. EJTM Health Insurance Company will keep you informed as these offerings become available.

EJTM Health Insurance Company, LLC, EJTM Health Services, EJTM Ministries, EJTM Legal Services, EJTM Connections, and EJTM Financial Services are wholly owned subsidiaries of The Ends Justifies the Means Programs, LLC, Kalamazoo, Michigan. EJTM Health Insurance Company, LLC, is a strong supporter of tithing and 10% of net income will be donated to EJTM Ministries.
Posted in Healthcare, Religion, Uncategorized | Leave a comment

The Next Great Migration?

Many people believe that refugees & immigrants work harder than native born Americans. There’s anecdotal evidence in the form of stories about immigrant doctors who work two menial labor jobs to support their families and reports that immigrants do the difficult jobs that Americans don’t want.

The theory goes that once you have lost everything in your old life and have a chance to start over (refugees), you throw everything you have into it so your children will have the best chance to succeed in America. Or, once you have gotten the opportunity to live and work in the United States (immigrants, documented or undocumented), you exploit that opportunity to the fullest in order to give your family – home and abroad – the money they need to get ahead. And it works. The children of immigrants learn more at school and make a much better transition to college and adulthood than native born Americans.

Refugees and immigrants have two different motivations. Refugees had a stable life and lost it, then were offered the chance to start over in another country. Immigrants saw the beacon of the United States as the Promised Land – a place full of riches available for those willing to work for them. While the motivations are different, the effect is the same – hard workers willing to do the jobs that we native born Americans don’t want to touch.

History gives us a domestic parallel. The Great Migration describes the movement of more than six million African-Americans from the South to the North and West between 1915 and 1970. In her introduction of author Isabel Wilkerson, Terry gross of NPR’s “Fresh Air” put it this way:

“The decision was to stay in the South’s segregated caste system or make the pilgrimage North or West in the hope of escaping racism and having more access to jobs, housing and other opportunities.”

Ms. Wilkerson wrote about the Great Migration in The Warmth of Other Suns.

A class of people who had been promised certain rights but been denied again and again was tempted to pick up and move in order to improve their lives. More than six million did so, and it changed everything. As Ms. Wilkerson puts it, “The suburbanization and the ghettos that were created as a result of the limits of where [African-Americans] could live in the North [still exist today.] And … the South was forced to change, in part because they were losing such a large part of their workforce through the Great Migration.”

The next domestic migration may begin soon and it will be prompted by Republican policies to grant more power to the states and limit federal oversight of many programs. This is hardly a secret. President Trump, his advisors and his cabinet all express this desire as do the vast majority of Republicans in Congress. They want to put the states in charge of deciding what to teach students, how many people to insure through Medicaid, how to implement environment policies, how to allow businesses to operate (wages, worker safety, waste disposal, etc.). And the Republicans want the states to decide how to treat women.

In many conservative states, there seems to be a bias against women who do not conform to widely held beliefs of appropriate behavior. If Roe v. Wade is overturned by an increasingly conservative Supreme Court – once thought impossible, but now probable in the next 5-10 years – most of those states would outlaw abortion. Even though they would force a single mother to have a child she is unable to support on her own, those states would also likely increase the burden of being a single mother by cutting or limiting assistance to social support programs.

And then there is the animosity directed toward women in some of these states. A physically abused woman seeking a restraining order to protect herself is arrested in the courthouse in El Paso, Texas and deported. There are only 18 domestic violence shelters in the 46 counties of South Carolina, the state with the highest murder rate of women by men. The map below shows the per capita murder rate of women for 2013. A darker color represents a higher murder rate (no data available for Florida and Washington, D.C.). Many conservative states seem to have a high murder rate of women, and most of these murders are at the hands of the woman’s husband or partner.

Finally, let’s not forget that prior to the Affordable Care Act (ACA), Viagra was covered under most health insurance plans, but birth control was not. The Republican replacement plan is likely to strip out the ACA’s ten essential benefits requirement which mandates that insurance plans cover, among other things, birth control, pregnancy, maternity and newborn care. More women-centered services will be lost with the Republicans’ repeal and replacement than men’s services.

Remember that this is a states’ rights push. Some states will strip these coverages, and others will keep them as a requirement. Some will have a rigorous curriculum for their students and others will ‘dumb down’ graduation requirements to push students through the system. Some states will have strong support for special needs students and others will do as Texas does now – limit the number of special needs students allowed to receive benefits by picking an arbitrary maximum percentage regardless of need.

And some states will adopt a ‘good old boy’ attitude toward domestic violence and discrimination and other states will have strong protections for women in the workplace and in the home.

So will women make up the next Great Migration? If the states in which they live become hostile, the answer could certainly be yes. We very well could find a movement from the South and rural West to the more populated centers in the country which generally provide better support for women’s issues. Some may move from rural areas to cities within the same state because they may find more support there, but if the state takes legislative action to restrict local governmental control, that may not be far enough. (Not exactly a ‘women’s issue,’ but when Flagstaff was considering a ban on plastic bags, the Arizona state government passed a law stripping such control from local government.)

Remember that just as with refugees, women will have lost rights and privileges they once had, and just like immigrants, women will see the Promised Land – in this case it’s the places in the country which offer better support for their needs. That is what drives people to move, and once it begins in tentative steps, it will likely grow quickly.

Companies will have a dilemma on their hands. While conservative states are more likely to allow companies to pay low wages, pollute the air and water, have unsafe work conditions, and other ‘business friendly’ situations, the potential migration of the women (and the men who will follow them because that’s where the women are), plus a potentially inadequate education system may make expanding operations in these states a poor business decision. This is especially true in a growing economy with fewer desperate job applicants.

Businesses are perhaps better off expanding where the workers are going to be, and that is likely where the local economies have been doing well since 2012 or so – midsize and large cities along the west and east coasts of the country. There are pockets of strength in many cities throughout the country, but few in rural areas which are so dependent on government assistance. Under Republican plans, those rural areas are likely to suffer more, especially if many of the women migrate to places in which they feel better supported and protected.

Posted in Economics, Healthcare, U.S. Politics, Uncategorized | Leave a comment

An Update for Trump Democrats – Wall Street vs. Main Street

These short posts are part of a series to take stock of changes that may be coming during a Trump Administration.

Wall Street and Main Street

  1. The 2007-2009 Great Recession was caused by banks gambling with money they did not have because the potential profits were so high. We regular Americans share some of the blame because we did not use our ‘free money’ from the banks very well during the housing bubble and when the bubble burst, we discovered the money wasn’t free after all.
  2. Banks and major companies were bailed out under the Bush and Obama administrations because both believed that a collapse of the banking sector would lead to a second Great Depression.
  3. Regulations (Dodd-Frank) were passed to ensure that the big banks would keep more money in reserve so they would be better able to survive another shock to the system and no bank would be considered too big to fail.
  4. The President has promised to roll back the post-recession banking regulations and has stacked his cabinet with Wall Street insiders, some of whom reaped huge profits from the foreclosure crisis.
Posted in Economics, Trump Democrats Update, U.S. Politics, Uncategorized | Leave a comment

An Update for Trump Democrats – Education

These short posts are part of a series to take stock of changes that may be coming during a Trump Administration.

Education

  1. Betsy DeVos has no experience in public education as a student, teacher, administrator or parent of a student, but has been a huge proponent of school choice and voucher programs, and has campaigned against holding charter schools accountable based on poor results.
  2. While the majority of public education decisions are made on the state and local level, the Department of Education can set standards which help guide those state and local education decisions.
  3. DeVos may be able to direct federal funds in such a way that states which embrace voucher programs are rewarded with additional money.
  4. Voucher programs take money away from public schools and give it to religious and private schools as long as the students’ parents arrange transportation to and from classes. This will benefit children from wealthier families who have the means to make such arrangements, and disadvantage poorer families and their students who do not.
  5. The push toward states rights may mean that the Department of Education will no longer set minimum standards and each state will be allowed to decide their own criteria for graduation. Manufacturers are concerned the high skilled workforce is too small with our current education system and it seems unlikely that will improve with fifty different sets of graduation standards.
Posted in Education, Trump Democrats Update, U.S. Politics, Uncategorized | Leave a comment