All posts by Wintery Knight

https://winteryknight.com/
News

Massachusetts firms canceling health coverage due to rising costs

Leave a comment

From the Boston Globe. (H/T ECM)

Excerpt:

The relentlessly rising cost of health insurance is prompting some small Massachusetts companies to drop coverage for their workers and encourage them to sign up for state-subsidized care instead, a trend that, some analysts say, could eventually weigh heavily on the state’s already-stressed budget.

Since April 1, the date many insurance contracts are renewed for small businesses, the owners of about 90 small companies terminated their insurance plans with Braintree-based broker Jeff Rich and indicated in a follow-up survey that they were relying on publicly-funded insurance for their employees.

In Sandwich, business consultant Bill Fields said he has been hired by small businesses to enroll about 400 workers in state-subsidized care since April, because the company owners said they could no longer afford to provide coverage. Fields said that is by far the largest number he has handled in such a short time.

“They are giving up out of frustration,’’ Fields said of the employers. “Most of them are very compassionate but they simply can’t afford health insurance any more.’’

[…]The Massachusetts Division of Health Care Finance and Policy annually surveys employers and found no significant drop in coverage as of the end of 2009, when more than three-quarters of companies offered health insurance.

But insurance brokers say the pace of terminations has picked up considerably since then among small companies, of which there are thousands in Massachusetts. Many of these companies — restaurants, day-care centers, hair salons, and retail shops — typically pay such low wages that their workers qualify for state-subsidized health insurance when their employers drop their plans.

“Those employers are trying to keep their doors open, and to the extent they can cut expenses, they will cut health insurance because they know their people can go to Commonwealth Care,’’ said Mark Gaunya, president of the Massachusetts Association of Health Underwriters, a trade group representing more than 1,000 brokers and other insurance professionals.

Remember, Obamacare is patterned after these state-run health care plans from Massachusetts and Tennessee. These plans try to cover more people, which increases demand. But supply is the same. What results is a shortage. Prices rise. And when prices price, employers can no longer afford to pay for health care coverage for their employees. You can’t keep your health care plan when the state takes over health care. They are going to have to cut costs and you are going to have your coverage limited.

Here’s what the ultra-left-wing New York Times has to say about the move by companies to reduce health care choices and cut costs.

Excerpt:

As the Obama administration begins to enact the new national health care law, the country’s biggest insurers are promoting affordable plans with reduced premiums that require participants to use a narrower selection of doctors or hospitals.

The plans, being tested in places like San Diego, New York and Chicago, are likely to appeal especially to small businesses that already provide insurance to their employees, but are concerned about the ever-spiraling cost of coverage.

But large employers, as well, are starting to show some interest, and insurers and consultants expect that, over time, businesses of all sizes will gravitate toward these plans in an effort to cut costs.

The tradeoff, they say, is that more Americans will be asked to pay higher prices for the privilege of choosing or keeping their own doctors if they are outside the new networks. That could come as a surprise to many who remember the repeated assurances from President Obama and other officials that consumers would retain a variety of health-care choices.

[…]But choice — or at least choice that will not cost you — is likely to be increasingly scarce as health insurers and employers scramble to find ways of keep premiums from becoming unaffordable. Aetna, Cigna, the UnitedHealth Group and WellPoint are all trying out plans with limited networks.

The size of these networks is typically much smaller than traditional plans. In New York, for example, Aetna offers a narrow-network plan that has about half the doctors and two-thirds of the hospitals the insurer typically offers. People enrolled in this plan are covered only if they go to a doctor or hospital within the network, but insurers are also experimenting with plans that allow a patient to see someone outside the network but pay much more than they would in a traditional plan offering out-of-network benefits.

It’s happening, folks. The only choice that liberals want you to have is the choice to kill unborn babies and to marry anyone or anything you want. They don’t want you to have a choice to keep the money you earn, or to spend the money you earn on whatever you want. You can’t buy health care products and services unless they allow you to buy health care products and services. They believe that the economy works better when you spread the wealth around.

Polemics

MUST-READ: Is Wes Widner right to oppose short-term mission trips?

13 Comments

Here’s a challenging post about short-term missions (1-3 weeks) from Wes Widner. Read and see what you think.

Excerpt:

One of the biggest elephants in the evangelical, missiological, soul-winning room is the lingering question of just how much good short-term mission trips are and whether or not they merely amount to sanctified vacations taken at the expense of others.

Now, to be fair, I’m not claiming that either the missionaries or those who fund them are intentionally nefarious. On the contrary; I believe that for the most part, those who go on short term mission trips and those who support them financially have honest evangelistic intentions. I am simply wondering whether we’ve fostered this “super spiritual” mindset around something we call “the mission field” and, as a result, neglect to ask the burdensome and unpopular questions of stewardship and effectiveness.

He explains how people misunderstand the great commission by thinking that it requires people to go to foreign lands, and then he writes this:

Because of this misunderstanding of the great commission and what it truly means to make disciples of those around us, we tend to overlook questions of stewardship and logistics. In fact, since we think the imperative is to go we tend to start to think that any cost is acceptable and questions of logistics are a mere nuisance.

How much does a round-trip plane ticket usually cost to travel overseas? $1,000, $2,000? More? Once you count the cost of food, lodging, transportation, etc. you can often approach figures well over $3,000 just to send a single person overseas. Is this really the best way to reach the lost?

I agree with him completely that it is not a good use of money to send laypeople as missionaries to foreign countries. However, I do think that it is worth it to send scholars with doctorates to foreign universities and other centers of influence to lecture and debate. So basically we agree on the stewardship question, except if the missionary is a scholar headed to a center of cultural influence. What laypeople can do instead of going themselves is to work hard in school, get good jobs, and to financially support Christian scholars in their studies and public events at home or abroad – e.g. – William Lane Craig debating Muslims in Turkish universities or debating atheists in Chinese universities, etc.

I also agree with Wes that the right way for laypeople to disciple non-Christians is to deal with the people who are around you in your workplace, etc. The thing is, it is much more difficult to build a relationship with non-Christians on the same social rung as you are who you have to work with day in and day out. That’s much harder because you have to live as a public Christian where you are, and let it affect your life more personally. This isn’t flying off somewhere to deal with poor strangers who you will never see again. It’s much easier to fly off somewhere and not to have to deal with people over the long-term. Flyig off to “do good” gives a person the feelings of “being good” and “doing something” but without any of the hard work and persecution of having peers equal to you in social standing seeing you every day bearing with suffering and striving for holiness. Instead of trying to squeeze feelings of goodness out of temporary experiences “helping the poor”, we should be dealing with the smartest and most challenging people in our own lives – family, friends and co-workers. It’s not as emotionally fulfilling and spectacular, but it’s where God has placed us. It’s harder, too.

Secretly sponsoring the PhD studies of an aspiring Christian philosopher, lawyer or scientist would be an excellent use of your money, although it is not as flashy or emotional as helping the poor in Africa. You can’t really tell people back home about your spiritual experiences signing a check to bring in William Lane Craig to debate. You can’t really show impressive pictures of yourself working overtime to keep your job so you have money to support influential Christians like Michele Bachmann or Jennifer Roback Morse. But we have to ask ourselves which is more effective – not which caters to our emotional needs to get attention to force spiritual experiences and to feel good about ourselves.

More Wes:

Why do we go? Why do we really go? If our real aim is to make disciples as we are commanded to, then we will gladly step back and examine the questions raised above (and many will come to the conclusion that short-term, long-distance mission trips are simply not a good idea) but I believe the main reason most Christians go is to satisfy a desire for an emotional experience which they equate with “being close to God”. And therein lies the heart of our dilemma.

In the end, what’s the difference?

When we take vacations, we are expecting experiential reward. We don’t expect to leave a lasting impact on the lands we travel to, and we expect to receive a euphoric high from our experiences. Sadly, most testimonies I hear from short-term missionaries are wholly self-centered (though they are couched in a plethora of “Jesus speak”) with the focus being on the person as opposed to the message and often with little thought as to the lasting impact and cost vs. benefit to the congregation that helped send them.

We have a responsibility to God to think about what we are doing and produce results for him. We need to stop having pictures taken of ourselves hugging children in foreign countries, and to instead think about working hard in school, studying hard things that matter, and saving our money, so we can actually move the ball forward. I know lots of Hollywood celebrities who make a big deal out of supporting animal rights and global warming, but they want nothing to do with chastity, fidelity, marriage, parenting, etc. Christians should not be thinking of Christianity as a fashionable cause that allows them to feel good and be recognized by others. We’re not Hollywood celebrities. We’re supposed to be concerned with truth, not feelings.

News

ADF defends professor who was fired by U of I for being Catholic

1 Comment
Dr. Ken Howell
Dr. Ken Howell

First, the story from Human Events:

Excerpt:

Leftists also have only one sacrament: sex. The orgasm is the source and summit of all bodily pleasure, and to suggest that sexual activity between consenting persons might have a moral content is nothing short of bigotry.

And so it is that a Catholic professor at the University of Illinois has recently had his employment terminated. What for? The university hired him to teach two courses, Introduction to Catholicism and Modern Catholic Thought, during the course of which he had the effrontery to educate his students in the natural law philosophy which informs the Catholic Church’s teaching that homosexual acts are sinful. That’s philosophy, not theology.

Check out the damning email, and one sees that nowhere did this professor, Dr. Kenneth J. Howell, refer to the Christian Scriptures, the writings of the Church Fathers, or the pronouncements of the Catholic magisterium:

“Natural Moral Theory says that if we are to have healthy sexual lives, we must return to a connection between procreation and sex. Why? Because that is what is REAL. It is based on human sexual anatomy and physiology. Human sexuality is inherently unitive and procreative. If we encourage sexual relations that violate this basic meaning, we will end up denying something essential about our humanity, about our feminine and masculine nature.…

“As a final note, a perceptive reader will have noticed that none of what I have said here or in class depends upon religion. Catholics don’t arrive at their moral conclusions based on their religion. They do so based on a thorough understanding of natural reality.”

One student found this offensive:

“I am in no way a gay rights activist, but allowing this hate speech at a public university is entirely unacceptable.… Teaching a student about the tenets of a religion is one thing. Declaring that homosexual acts violate the natural laws of man is another. The courses at this institution should be geared to contribute to the public discourse and promote independent thought; not limit one’s worldview and ostracize people of a certain sexual orientation.”

How you can help, from Fox News.

Excerpt:

But Howell refused to leave without a fight, and now he has over 3,100 supporters fighting with him — via a Facebook group called “Save Dr. Ken.”

“It’s turning into a whole movement for freedom of speech in the classroom,” said senior Tim Fox, a member of the group and former resident at the university’s Catholic student Newman Center.

The “Save Dr. Ken” Facebook group includes alumni, current students and outside supporters who are familiar with Howell through his books or his appearances on EWTN, a Catholic television network. Howell is actively involved in the group and has written personal responses to some of his Facebook supporters.

“Save Dr. Ken” is actively working to take its protest beyond Facebook. Its home page offers detailed instructions on how to protest Howell’s dismissal, separately tailored to students, alumni and outside supporters. For example, the group asks alumni to cease donating to the university until Howell is reinstated. It also encourages members to donate to the Alliance Defense Fund, the legal alliance defending Howell’s case.

Members of the Facebook group are planning a prayer vigil on the university’s quad. Students are also organizing a mass boycott of all university religion courses unless Howell is reinstated by the fall, Melissa Silverberg, editor-in-chief of the university’s student newspaper, the Daily Illini, confirmed.

Howell is a popular professor; his students voted for him to receive an “Excellence in Teaching” award last fall, and now they are rallying for him.

Because Howell helped direct programs at the Newman Center, it has become a major player in the conflict. Monsignor Gregory Ketcham, the center’s director, wrote in an e-mail to Newman residents that “We will seek to lobby for [Howell] to continue to teach Catholic courses on campus for University credit and for the Catholic cause on campus.”

Students at the center are not the only ones protesting. The campus secularist group, Atheists, Agnostics & Freethinkers, has taken up Howell’s cause. Howell had worked with the group in the past, helping organize a public debate between an atheist and a Catholic on “Does the Christian God Exist?” last February. Its president wrote a letter to the university chancellor, Robert Easter, saying, “[Howell] has shown a commitment to the questioning of all ideas. His loss is a profound blow to the University of Illinois and its purpose… Who will next be silenced?”

“Even people who disagree with what [Howell] taught think that his firing was wrong,” said Silverberg.

And what the Alliance Defense Fund is doing, from CNS News.

Excerpt:

The Alliance Defense Fund, a Christian legal group, has given the University of Illinois at Urbana-Champaign until the end of Friday to re-instate a professor who was relieved of his teaching duties following complaints he engaged in “hate speech” by teaching students about Catholic teaching on homosexuality in a course about Catholicism.

In a letter to University officials, ADF attorneys say that Dr. Kenneth Howell lost his position simply for teaching the facts about a Catholic moral teaching, and that University officials have until July 16 to respond to demands that the university immediately reinstate Howell to his teaching position, or face court action.

Ah, the Alliance Defense Fund. Proof that you can be a lawyer and still be a good person. If I had children, I would be sure to tell my children that if they wanted to work for the ADF, all their law school expenses would be paid in full. That is, assuming I had income left over from paying for abortions, IVF and sex changes for Obama’s special interest groups. Oh, well. Let’s hope that someone repeals Obamacare before my future children are ready to go to university.