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Healthcare.gov and me: I win!

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Unless you’ve been living under a rock since October 1, you’ve heard that Healthcare.gov, the site where Americans can shop for health insurance, had a rocky start in life. OK, it was an epic mess.

I was one of the people who was eager to jump on the site on October 1, since I haven’t had health insurance since I completed cancer treatment in 2008. That cancer diagnosis and treatment put me in the pre-existing condition pile, which put renewal insurance premiums for my individual coverage at an eye-popping level. You can read the details on that here. On October 1, I hopped on my Mac, and surfed over to Healthcare.gov … and had the same experience everyone else seemed to be having:

healthcare.gov error message image
image credit: forbes.com

That continued over the following seven days, with me developing a nice little flat spot on my forehead from head/desk-ing my way through many attempts per day at getting past the first step of creating a profile on the site. Even when I had completed that process of creating a profile, every time the site announced “Success! Click here to continue.” I clicked “there” and … got a blank page.

On October 8, I realized that I, and the site’s developers, might have missed something. I was using Google Chrome, my default browser, and the dominant browser across the web. Could it be that the dim bulbs that built the Frankenstein that is the Healthcare.gov site optimized the site only for native browsers? I opened Safari, and discovered that yes, they were indeed that dim, because even though the site loaded at the speed of a slug on Quaaludes, it did load. And “Success!” allowed me to continue the enrollment process. No blank pages.

I re-enacted scenes from 1995, when I would log on to Netscape to download email on my dial-up connection: open the page, hit “go,” and then make coffee. When I returned with a hot cup of joe, I’d repeat the process on each subsequent page, working in another tab while the site loaded the next page in the process. I managed to complete the entire enrollment process, save for the last “pull the trigger” step of hitting the ENROLL button, because I wanted to make sure I had the money for my first month’s premium available. Which turned out to be unnecessary, since when I did hit the ENROLL button, I got a message saying that my selected insurer would be contacting me about billing. That conversation happened a few days ago, and I’ve paid my first month’s premium.

As of January 1, 2014, I’ll have health insurance again for the first time since December 31, 2008. WIN.

Here is the upside of what I saw in my voyage through Healthcare.gov:

  • Even though my state is one that announced it “hated Obamacare, would not be building its own marketplace, and we hate Obamacare,” there was a wide array of plans offered to me.
  • I could compare plans side-by-side.
  • Premiums were a wide range, with some surprises: the lowest-premium Bronze Plan had 0% co-insurance (I wasn’t on the hook for a percentage of cost on covered services), with higher premium plans tagged with 25% co-insurance.

Here’s the thing that made me go “WTF?”:

  • Only the Bronze Plans are HSA-friendly. HSA=Health Savings Account, essentially 401(k)s for healthcare. Individuals can sock away $3,300/year (in 2014) of pre-tax money in a dedicated savings account for healthcare costs, with people over 55 allowed to sock away an additional $1,000 for a total of $4,300 in 2014. Since all the Bronze Plans I was offered had deductibles of $5,500 or more, with the plan I selected carrying a $6,350 deductible, it would seem reasonable – fairer? – to allow consumers to fund their HSAs annually to match the level of their deductible.

On the whole, this is a big win for me, and other uninsured people who fell into the “pre-existing condition” bucket. By the way, just being female was considered a pre-existing condition until the Affordable Care Act passed. In spite of the views of Fox News talking heads (all male, of course), gender equality needs to exist in all phases of public life, including health insurance.

Bottom line? I win.

Dear kids: school is your job. Act accordingly.

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image of kids in class
image credit: misstabithasclassroom.com

It has become accepted wisdom that public schools in the US are failing their students.

I confess to believing some of that conventional wisdom: I think we’re losing generation after generation of inner-city and rural kids with sub-par schools and technology. I also think that inner-city schools have become both a dumping ground for teachers who shouldn’t be teaching, and a road to exhaustion and defeat for teachers who arrive fired up and get ground under the wheels of budget shortfalls, bureaucracy, and bullsh*t.

But I digress.

The Washington Post Answer Sheet blog shared a post by Will Fitzhugh, editor of the Concord Review – the world’s only English-language quarterly review for history academic papers by high school students (smart kids + smart teachers = intellectual advancement for all!) – that puts the blame for poor student performance at the feet of … students. The title of the post: “Teachers Not Enough? Who Knew?”

And he’s 110% right there.

I’m now going to sound like the geezer I’m becoming, but just roll with me for a minute here. When I was in school, my job was to go to school, do my work, and learn. That was my job. The one that would set the stage for all the jobs coming after, the one without successful completion thereof I would be stamped with the storied “L on my forehead” and consigned to the career-and-success scrap heap. It was up to me to learn as much as I could, and use that knowledge to forge my way in the world.

Am I nuts, or does it seem as though students in K-12 now believe it’s the responsibility of the school to pry open their brains and pour in knowledge without much in the way of student effort? And that expectation is being driven by parents, and the community at large?

I watched the documentary Waiting for Superman recently, and found it compelling. However, something nagged at me as I watched it, and after, that only became clear when I read Fitzhugh’s Concord Review post: the film left the viewer with the impression that schools, parents, and the community were responsible for the entire education cycle. What was left out was the obligation for students to work to learn.

I’m not saying that a kid in a failing inner-city school who fails to learn is solely at fault for his/her lack of academic progress. As a society, we must make sure that each of our kids has the chance to learn as much, and go as far, as s/he possibly can in life. Charter schools can be a terrific answer for places where public schools are letting down the kids who try to learn there … but they’re not the only, or even the first, answer.

That first answer is: kids, school is your job. Act accordingly. Pay attention, do your work, do not expect to have learning pass through your ears and into your brain without any effort on your part. Life requires that you be present, pay attention, and act to further your own progress. You will not be borne through life on Cleopatra’s barge, much as your helicopter parents might have led you to believe that was your destiny.

Work. It’s what makes things happen. So go do some.

That’s my story, and I’m stickin’ to it …

Tabloids, Noise, and Handcuffs. Film at 11.

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rupert_murdoch_imageI started my career in network news around the same time the space shuttle Columbia made its first trip into low-earth orbit.

Also around that same time, CNN (acronym for Cable News Network, was referred to as Chicken Noodle News by those of us in “establishment” TV news at the time) brought the 24-hour TV news cycle to life. That was, I think, one of the first strikes on the first nail in the coffin where the body of real news ultimately got buried.

As my grandmother used to exclaim, “saints preserve us!”

That 24-hour spin cycle has now delivered the most meta of screaming headlines. A media shark frenzy is chowing down on media itself: Rupert Murdoch’s News Corp. and its burgeoning phone hacking scandal has, so far, brought us the heads of Rebekah Brooks, chief of News International and the last editor of The News of the World (I so will not miss that rag) and Sir Paul Stephenson, who was the chief of Scotland Yard until his career got hacked by hiring former NotW editors as Scotland Yard PR flacks.

The wind sown on the day that 24-hour spin cycle started – April 1, 1980 – is now reaping the whirlwind, and taking down an entire profession. Both Rupert Murdoch and Ted Turner have a lot to answer for – I’m wondering how wide a net might ultimately be cast as the feeding frenzy keeps bloodying the news-business water.

I’m no longer working directly for any news organization, haven’t been for five years. Part of that decision was driven by the writing I saw on the interwebs wall. The web was eating the lunch of mainstream media, and combined with “the internet wants content to be free!”-ocracy that developed in the first decade of the 21st century, it all meant that making any kind of a living in media was going to be problematic at best, impossible at worst.

But what really drove my decision was my utter disgust at what had happened to my profession in the 20+ years I had been in it. I was passionate about news, about that first draft of history that is the news business, about the feel of newspapers in my hands, about covering stories that I thought were important, exciting, and informative.

Democracy only fully works when an educated citizenry has access to unbiased information about what their overall society is up to, going through, exploring, learning, or pissed off about. By “unbiased” I mean that the reporter isn’t inserting his/her own opinions into their reportage.

Calls ’em like they sees ’em – those should be the rules of the game.

Unfortunately, the advent of a 24/7/365 “feed me!” mindset, along with the rise of info-tainment – which dictates that everything from how Tiger Wood’s wife deploys his 3-wood, to whether or not some celebutante is or is not wearing underpants, to which loser gets a rose from some other loser on some “reality” show that’s about as real as Pam Anderson’s rack – as “news” has brought us here.

At first blush, the crew who was phone-hacking might seem to be just the lower-than-pond-scum Brit tabloid jerks. However, the investigation has crossed the pond, and the FBI is now looking into allegations that Murdoch’s minions were hacking the families of 9/11 victims, seeking headline-worthy dirt.

So, the next time you pick up a People magazine or a supermarket tabloid, watch Entertainment Tonight or Access Hollywood, read TMZ or Perez Hilton, you must understand that you’re supporting the lack of real information available to move our society, our culture, and our world in a positive direction.

Yep, I’m talkin’ to you.

Stop the insanity.

That’s my story, and I’m stickin’ to it…

Now, who will you tell your story TO?

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In this week’s

New York Magazine cover article – the one that has Katie Couric on the cover saying, "Some days I’m like, oh my God, what did I do?" – the core of the issue, the a-ha, that’s why they’ve got a problem revelation, was right there at the top of page four: 

At Today, she looked into the camera and imagined her average
viewer as a 32-year-old lawyer with a toddler who was preparing to
prosecute a case that day, or a stay-at-home mom who would “hopefully
get some things about raising kids or the environment.” On the CBS Evening News, she couldn’t see anyone in the camera lens. “I’m not sure,” Couric says drily. “My parents. I know they’re watching.”

No matter how good your story is, if you don’t know who you’re telling that story to, it won’t have the desired effect.  In fact, your story isn’t great, or even good, unless you know exactly who the story is going to be told to – because the audience will decide if it’s any good by agreeing to keep listening.

All the hand-wringing in the world won’t stop a newscast from sinking in the ratings.  CBS News has got plenty of audience measurement data, and they should know who they’re trying to attract to the evening news.  The next step has to be to tell stories to that audience.  Unfortunately, I don’t know that they know, or will do, that.  And therin lies the issue…