A Plea For Help

Dear Reader,

I need your help. It has come to my attention that I may be the beneficiary of a mistake by my health insurance company. This mistake will result in me maybe being able to keep my current health insurance, which Shakespeare might describe as a “consummation devoutly to be wished.” The problem lies in the fact that my insurance company insists that my current plan is “grandfathered”, even though I can think of three things that have occurred since March 23, 2010 that should have “un-grandfathered” it. What to do?

My wife suggested that I call my insurance company, describe these three events to them hypothetically (without giving them my name), and ask them if my hypothetical policy is still grandfathered. This seems like a reasonable approach. Except, I don’t want to run the risk of blowing up this incredibly sweet deal I have stumbled upon! “Let sleeping dogs lie” is the way my mother used to describe situations like this.

On the other hand, my last two blogs about the follies of Obamacare have been widely read. In them I took several perhaps gratuitous shots at the Affordable Care Act. Maybe there’s some welfare state loving, progressive, yes-we-can true believer at the NSA snooping around this blog who would love nothing more than to place a “head’s up” call to Anthem suggesting that they pay extra attention to one Douglas Dunnevant’s case file.

So, dear reader, if you have been reading this blog for very long, you have at least some idea of what kind of person I am. I would appreciate any suggestions you might have as to how I should proceed. What’s the right thing to do here? Blow the whistle on the illegitimate grandfathering of my policy, and take my Obamacare medicine, or accept this magnificent bureaucratic windfall and wiggle off the hook?

I suppose if I escape Obamacare, the higher premiums I would have paid won’t be available to provide the subsidy for someone else’s insurance. Does that make me a bad person? On the other hand the 600 and some odd dollars I will be saving every month can be spent buying steaks, bread and Yankee candles, which will benefit the butcher, the baker and the candle stick maker. Yes, this is a fine mess I find myself in. This is the mother of all conundrums.

Please respond either in the comment section below, or on Facebook. I eagerly await your wise and discerning suggestions.

Sincerely,

Doug

Sticker Shock

Yesterday’s post about my personal introduction to Obamacare lacked only one thing. Since I have been unable to penetrate the gauntlet of fire breathing dragons that protect Healthcare.gov, I have only been able to fret over what the cost might be. I said yesterday that my “trick knee” was telling me that I was about to be paying a lot more for my health insurance. Now, the truth can be revealed. Always trust your trick knee.

A friend of mine and colleague, Blair, happens to be a broker with Anthem, and as such has what amounts to a back stage pass to the troubled web site.(How come it’s always the beautiful blondes that wind up with back stage passes?) Anyhow, she was kind enough to print out all of my Obamacare options for me. Eight pages long, and 22 different options thick, I was greeted with a dizzying array of precious metal choices, bronze, silver and gold. I can only assume that the platinum and titanium levels are restricted to politicians and their families.

Ok, my present coverage with Anthem carries with it a $3500 deductable and a $5000 family out of pocket per year, which means that I have to rack up over 5 grand in medical expenses every year before my policy will pay anything. For this catastrophic coverage I pay $610 per month. So, the first thing I did when presented with my eight page printout was to find which plan was the closest to what I already have. It turned out to be something called the “Anthem HealthKeepers Preferred Direct Access HMO GOLD plan. Only, this plan carries a $7000 family out of pocket. Wait, I thought that one of the objectives of Obamacare was to give people better, more comprehensive protection. But, the richest plan offered to me will require me to pay MORE out of pocket, not less. Hmmm. Now for the fun part. What will my premium be for this inferior policy? Instead of $610 per month, it will be my new privilege to fork over $1384.15 per month, a 127% increase. The good news, I’ll have “wellness care.”

No reason to panic, I thought. After all, that was the Cadillac gold plan. Suppose I buy the bare bones bronze plan? Turns out that going back to the Bronze Age would force me to accept a $12,700 yearly out of pocket expense, and my premium would still be higher than I currently pay, $770.77 per month compared to $610.

So, it would seem that under Obamacare I will have to accept much higher out of pocket expenses and ridiculously higher premiums, a twofer!

When I consider the fact that this bill was conceived and designed by politicians, I am reminded of that old line about the camel and the racehorse. “A camel is a racehorse designed by a committee of politicians.”

Obamacare Hits Home

Back in March of 2008, I had to make a decision about my health insurance. The coverage I had back then was getting very expensive. My insurance company offered me some less expensive options. In order to lower my premiums, I would have to be willing to accept much higher deductibles and copayments. As I began doing the math, it occurred to me that the money I was saving on premiums could be set aside in a Health Savings Account, and by the end of the year would add up to more than the amount of the higher out of pocket expenses I might incur. In fact, if my family had a good health year, and didn’t use it much, I might even turn a profit on the deal.

I’ve been doing this for the past five years now, and I must confess, haven’t turned much of a profit, but I’ve been happy with the results nonetheless. My premiums have gone up since I started with the Health Savings Account, but modestly. Overall, I have been happy with this arrangement. It was my choice. For me, in my financial situation, it is a perfect system. I buy health insurance to protect me and my family not from the cost of doctor’s visits, checkups, and prescription drugs. I buy health insurance to protect us from the possibility of a $250,000 heart operation, in other words, catastrophic coverage. If I can comfortably write a check for it, I don’t need to insure it.

Well now. Along comes the Affordable Care Act, and I discover that my current plan isn’t good enough for me. Someone in Washington has decided to save me from the consequences of my foolish decision to self-insure the small stuff. Not only are my deductibles and copayments much too high, my current plan doesn’t cover oral and vision care, not to mention the all important “wellness services,” whatever the hell they are. What was I thinking?

Yes, but no problem since my plan is “grandfathered,” right? I bought it prior to March of 2010, so my plan is grandfathered…only not really. When Nancy Pelosi told us that we needed to pass Obamacare first so we could find out what was in it, she wasn’t kidding. On page 34560 of the regulations(I am NOT kidding about that page number, you can look it up), we discover that if your deductable goes up by more than $5, then your plan can no longer be grandfathered. Hmmm, let’s see now, two years ago my insurance company raised my deductable by $500 dollars. I’m screwed.

But Doug, but Doug, your new plan will have much better coverage with lower deductibles and lower out of pocket costs, and you will have oral and vision care and the highly coveted “wellness services”. Yes. But how much will this new coverage cost me? Ah, there’s the rub. I’ve been trying to find the answer to that question through Healthcare.guv for weeks now with no luck, but my trick knee tells me that I’m in for a sizable premium increase. That’s usually what happens when you purchase more of something. But what if I don’t WANT more? Suppose I’m perfectly happy with my current plan? My President assured me on a thousand occasions that if I liked my plan, I could keep my plan. Actually, his exact words were:

“That means that no matter how we reform health care, we will keep this promise to the American people: If you like your doctor, you will be able to keep your doctor, period. If you like your health care plan, you’ll be able to keep your health care plan, period. No one will take it away, no matter what.”

What he meant to say was, “if WE like your health care plan, you’ll be able to keep your health care plan.”

So, a voluntary arrangement I entered into as a free citizen of my country is about to be nullified by people in Washington who think they know better what kind of health insurance I should have than I do. These are the same people responsible for a $650 million dollar website that doesn’t work, a 17 trillion dollar national debt, a National Security Administration that monitors my phone calls, and an IRS that targets the government’s political enemies.

What could possibly go wrong?

Texting With My Son

Just because my son lives in Princeton, New Jersey doesn’t mean that we don’t get to watch the World Series together, thanks to Steve Jobs and his handy smart phone. For the past couple of nights, I have been firmly ensconced in my movie room, snacks at the ready, watching the games on my 52 inch HDTV. I watch them by myself since neither Pam nor Kaitlin are huge baseball fans, and I think maybe I scare them a little this time of year what with my loud, unpredictable outbursts.

So, there I was last night, watching the game and having a running text dialogue with my Son. I will now share some of the highlights. First off, a critique of Harry Connick Jr.’s National Anthem performance:

Me: Harry nailed the anthem accapella.

Patrick: For once, an anthem that isn’t a riffing contest!

Then he proceeds to chastise me for my take on the NSA spying scandal from my earlier blog called “Spy vs. Spy”.

Patrick: I’m not sure “self interest” justifies spying on 70 million private phone conversations.

Lovable kid, my son. Idealistically naïve, but lovable.

Then the game gets into the 8^th inning and Red Sox manager John Ferrell decides to bring in closer Koji Uehara with two outs and the Sox up by two runs.

Me: Don’t like this move. Lester hasn’t thrown that many pitches!!

Patrick: UEHARA=SAYONARA?

Me: He better be.

Patrick: Let’s cross our fingersara.

Me: hahahahah

Patrick: “hahahahara”

Me: Hope this isn’t a kamakazi mission.

 Uehara proceeds to strike out the first batter he faces on three pitches.

Me: Wow

Patrick: Koji pitch any better??

It’s a very proud moment as a father when your son gets the better of you in a pun slinging contest.

Then it’s time to rag on the commercials.

Patrick: So tired of this iPhone commercial.

Me: Good Lord! I’m tired of the Taco Bell PS2 one too.

Patrick: Yeah. Still doesn’t make me want to eat Taco Bell. In all likelihood I would buy it to see if I won, then when I didn’t, give the food to someone else.

Me: Oh, and the Budweiser one with the fireworks at the end?

Patrick: I kinda like the Budweiser “Do you know who brewed your beer?” one. Although that quip about them being the “biggest local brewery” made me want to vomit in my mouth.

So, thank Steve Jobs for creating something that allows me to enjoy watching baseball with my boy from 290 miles away.

By the way, Uehara WAS sayonara.

Spy vs Spy

The salons of Europe are atwitter with indignation at allegations of American spying. Thanks to Mr. Snowden’s revelations, it would appear that our NSA has been quite busy intercepting millions of phone calls on that continent, most troubling to European sensibilities, even those from Prime Minister Merkel’s cell phone. This is apparently a bridge too far for the Euros. Howls of protest are being heard from Brussels to Berlin, from France to Finland. Merkel dialed up Obama herself, (presumably on a secure satellite phone), to scold him in no uncertain terms that “friends do not spy on one another.”

Excuse me. I will continue to write this blog after I take a few minutes to roll on the floor laughing.

“Friends do not spy on one another?” What universe has Frau Merkel been living in for the past sixty years? Friends spy on each other every minute of every day and have been doing so for 4,000 years of recorded history. We spied on the Brits during World War II, and the Brits spied on us. It’s called “self interest”. All of this feigned outrage coming from Europe isn’t over the shocking news that the NSA has managed to hack their calls. The outrage comes from the embarrassment attending such a one sided revelation. If Mr. Snowden had access to all of Germany’s intelligence comings and goings, it would be the United States who would be feigning outrage.

Listen, every American ambassador understands when he first walks into his new embassy home, whether it’s in Berlin, Paris, or Moscow, that job number one is to  remove every listening device he can find, knowing full well that the possibility of a private conversation is virtually impossible, same thing in Washington. Why? Well, human nature being what it is, we have a hard time trusting each other. Individuals as well as nations are constantly looking out for their own self interests in ways large and small, and while we may have tons in common strategically and culturally with Great Britain, they would sell us down the river in a New York minute if the opportunity presented itself. The instinct for self preservation is powerful and has no scruples.

I’m no fan of the NSA when it comes to its increasing domestic snooping what with the no scruples thing, but when I hear that they managed to tap Merkel’s cell phone, I gotta say…impressed. It’s called doing your job.

Game Three. Holy Cow!

The following instant analysis of game 3 of the 2013 World Series may not be not be rebroadcast, retransmitted, or in any way rewritten without the express, written consent of Doug Dunnevant….unless a sizable check changes hands between you and me.

 

Top of the first: The guy on the mound pitching for the Cardinals, the one who looks like an accountant, is throwing 98 mph cheese with movement. Might be a long night for the Sox.

Bottom of the first: Peavy looking a little shaky. When he goes to his mouth with that chaw in there, is the tobacco in his spit considered a foreign substance? 2-0 already. Red Sox nation ready to “trade da bum!!”

Top of the second: Carpenter makes an amazing play robbing Nava of a hit. Without Napoli in this lineup, there isn’t much to scare you. Without the DH, St. Louis is a better team.

Bottom of the second: First Erin Andrews sighting, always a good thing. Peavy settling down. Also saw the Clydesdales. Instantly wanted a beer.

Made it through 2 full innings without seeing an erectile dysfunction commercial.

Top of the third: Stephen Drew looks like an out. Poor kid doesn’t have a clue at the moment, but plays a mean short stop. 4 for 43 in the post season ain’t gonna cut it. The kid is one error away from death threats in Bean Town.

Ahh yes, Cialis commercial. Suggestion for their marketing people...nothing happening with separate bathtubs. Just saying.

Bottom of the third: Can’t decide which was more little-leagueish, Ellsbury’s drop or Hollidays’ horrible base running. Bad call on the strikeout of Adams. Ball was low. Peavy looking better.

Top of the fourth: Ellsbury gets first Sox hit. Victorino looks terrible at the plate. Love watching Pedroia swing the bat. He’s the toughest player on the field. Need Big Papi to hit one out here. Smart strategy by St. Louis. No way I’m letting Papi beat me. Make Nava be the hero. Yep, coulda used Napoli in that spot.

Verizon commercial about the family who goes trick or treating while obsessively looking into their smart phones is one of the things wrong with America. Leave the phones at home Mom and Dad!!

Bottom of the fourth: How come every time I see Yadiar Molina play I think he’s the best player on the field? Maybe because he is. Best defensive catcher I’ve ever seen. Bases loaded, nobody out. Strike out, pop up, pop up. Great job by Peavy!!

Top of the fifth: Leadoff triple by Boegarts. Yeah baby. Momentum shifting. Walk. Very large Cardinal pitching coach to the mound. Cardinal relief pitchers begin in-game Yoga, or synchronized stretching. Either way, creepy. Poor Drew. Carp pinch hitting for Peavy, looks like an out waiting to happen, and grounds out but scores the run. 2-1. Umpire suddenly blind to outside corner. Great at bat for Ellsbury…but strikes out. Time for some snacks.

Triscuits and Colby jack cheese with a Jonathan apple.

Bottom of the fifth: Two out double brings Molina to the plate. Nervous. Walk him? Yes! Make Freese beat you. At some point in this game a ball is going to be hit to Ortiz at first, I just hope it’s not now. Doubrant has just made two great pitches that were both called balls, but overcomes by getting Freese on a flyout. Now for the 16^th commercial  trying to sell me a pickup truck.

Top of the sixth: Who looks worse at the plate right now? Drew or Victorino? V  gets a walk, so I guess it’s still Drew. Pedroia lines out. New pitcher for the Cardinals. But first a word from Geico. I was tired of the green lizard two years ago. Oh, and the 865^th airing of the Taco Bell PlayStation 4 commercial. Ortiz is soooo clutch. 1^st and 3^rd, one out. Somebody besides Big Papi is going to have to get a big hit. Whose it gonna be? Daniel Nava!! Base hit scores the run 2-2.

Bottom of the sixth: Doubront looks hittable, but isn’t. Cardinal crowd is stone cold quiet. Don’t think a silent crowd is part of the “Cardinal way.”

Top of the seventh: Battle of the bullpens. Fourth of the night for St. Louis is on the mound throwing 98. Drew put out of his misery, pinch hit for. Three up, three down. Navy man just belted God Bless America out of the park. Wow. Stretch time.

Bottom of the seventh: Third Sox pitcher, Breslow. Check swing base hit. Now Beltran. Nervous. Ball grazes him. Two on, no out. Bye Bye Breslow. Tazawa coming in, Japanese pitcher number one. High cheese, then ripped down the line to left, 4-2 Cardinals. Big hit by Holliday. Tazawa looks uncomfortable.

Top of the eighth: Sox have six outs left. Better get cracking. Lead off single by Ellsbury will help! Victorino looks terrible, then gets hit. Huge gift! Come on Pedroia! Ferrell starts the runners so Peedy’s ground out advances the runners. Now they load em up by walking Ortiz. Good strategy, make Nava beat you. Rosenthall coming in. This guy is unbelievable. 100 and nasty. What a great game! Nava scores a run on a groundout. 4-3. Now it’s the kid’s turn. He comes through!! Tie game baby. Where the heck is Erin Andrews?

Bottom of the eighth: Bench player for Cardinals leads off with a hit. Isn’t that always the way it is with baseball? Pop up. Two outs. Beltran. Nervous again. Always nervous with Beltran. The rookie steals second. Single scores the go ahead run. Now they walk Beltran to pitch to Holliday, a guy who has already knocked in 3. Hmmm…. Glad I’m not a big league manager. GOT HIM!!! Let’s go to the ninth tied at 4. Why yes, I think I will!

Top of the ninth: One, two, three. Heck of a time to ask a relief pitcher to have his first career at bat!? “At least he didn’t get hurt,” the announcer says. Haha!!

Bottom of the ninth: Let’s see if we can get Molina out. Nope. Japanese pitcher number two coming in. Hopefully Uehara will equal sayonara. Craig rips a double to left. Runners on second and third with one out. Fly ball wins the game. Why are we pitching to Jay?? WHAT?????? Thrown out at the plate, then a wild throw past third then another throw out at the plate but interference is called. The game ends on an obstruction call? Great play by Pedroia. Wow! Amazing game ends with the most obscure call in the rulebook. Holy Cow.

 

And that, ladies and gentlemen, is why I love baseball.

It's Nobody's Fault

Anyone who reads this Blog with any regularity surely knows how much I love baseball in general and the World Series in particular. The fact that the Red Sox are playing this year makes it all the more awesome. But, I have noticed something lately about sports and sports fans that fascinates me, that is this strange notion that if one’s preferred team loses, it is always the result of either incompetence, or treachery.

Last night, for example, the Red Sox lost game two. They had a 2-1 lead going into the 7^th inning. Manager John Ferrell removed his starting pitcher with one out and two runners on base. He replaced him with a left handed relief pitcher who had pitched brilliantly throughout the post season. This time however, the Cardinals pulled off an audacious double steal, then scored a run to tie the game on a sacrifice fly and the another on two errors on the ensuing play. By the time Ferrell removed his left hander, St. Louis was up 4-2, which is how the game ended.

This morning, a friend of mine on Facebook made the observation that the Sox had “blown it.”  Others have blamed the loss on Ferrell’s quick hook of starter John Lackey. No Red Sox fan I can find has thought to credit the Cardinals for daring to attempt a double steal, down by a run. No one has lauded sore-ribbed Carlos Beltran’s clutch single that scored the insurance run.

Listen, I’m a Red Sox fan, but I’m sorry, they didn’t “blow” the game. They got beat. This is baseball. Stuff happens. Teams don’t always “lose” games, sometimes they just get beat. It’s no one’s fault. Give the Cardinals credit for a gutsy comeback.

Read your newsfeed the day after a big Virginia Tech game or a Redskins game. If either of them lost, you will be treated to a laundry list of reasons why they got hosed by the officials, or how stupid a coach’s decision was, or how horrible so and so is because of a fumble or an interception. The other team’s performance never has anything to do with the outcome of a game.

I suppose it’s a natural reaction of fans, short for “fanatic.” And yes, sometimes my teams do lose because of ill-conceived strategy, or dumb blind bad luck. But more often than not, it’s just…..baseball. Last night’s game was every bit as fun to watch as game one for me. It’s October, and I’m watching great baseball. I have a sneaking suspicion that whoever wins this World Series will deserve it.