Health-Care Reform Passed. So What Does It Mean? | 80beats

P032110PS-0787After months of party wrangling that culminated in a Sunday night political spectacle, President Obama has finally managed to push through far-reaching reform to the country’s health care system. The House voted 219-212 for final approval of the legislation, and on Tuesday the President will sign the bill into law.

The new law would require most Americans to have health insurance, would add 16 million people to the Medicaid rolls and would subsidize private coverage for low- and middle-income people, at a cost to the government of $938 billion over 10 years, the Congressional Budget Office said [The New York Times].

Here’s a primer on what some of the biggest changes will be in the current health care system. While some changes won’t come into effect till 2014, there are some things that will affect your insurance this year.

Immediate Changes (2010)

These are the changes that Obama and team call the “early deliverables,” because they would kick into effect as early as six months after the bill is signed into law. Here are a few.

  • The uninsured can finally get coverage: Adults who have been denied coverage because of preexisting conditions will be able to sign on to a federally subsidized insurance program that is due to be established within 90 days. This stopgap insurance program, whose coverage isn’t expected to be comprehensive, will expire once new insurance exchanges start operating in 2014.
  • Coverage for everyone: Insurance companies will not be allowed to drop people from coverage when they get sick, nor can they make health plans vastly more expensive for people with preexisting conditions. Lifetime limits on the amount of health care an insurer will pay for will be eliminated, and annual limits will be restricted.
  • Coverage for kids: For parents with a sick child, there’s some relief—companies won’t be able to drop kids under the age of 19 from coverage because of pre-existing conditions. Parents can also keep their kids on a family plan till they turn 26 or get a job that offers them benefits.
  • Closing the doughnut hole: An estimated 4 million Medicare beneficiaries who hit the so called “doughnut hole” in the program’s drug plan (the gap in coverage which currently begins after $2,700 is spent on drugs) will get a $250 rebate this year. The cost of drugs in the coverage gap will then drop 50 percent next year, and the hole will be closed entirely by 2020.
  • Tax credits for small businesses: For small businesses with fewer than 25 employees and average wages of less than $50,000, the government will provide a tax credit of up to 35 percent of the cost of healthcare premiums so that they may provide coverage to their employees.

Short-Term Changes (2011-2014)

  • Free annual wellness visit for Medicare beneficiaries: Medicare beneficiaries will get a free annual wellness visit, and the new health plans will be required to cover preventive services with little or no cost to patients. Medicare will also provide 10 percent bonus payments to primary care physicians and general surgeons.
  • New Medicaid program for poor: A new Medicaid plan for the poor will allow states to provide more home- and community-based care for disabled people who would otherwise require institutional help.

Long-Term Changes (2014 onwards)

  • Get insurance or face penalties: Beginning in 2014, all Americans would be expected to get insurance or face penalties. The fine depends on household income, but there’s also an upper limit; a family would pay a maximum of $2,085. Extremely low-income people will be exempt from the fines.
  • Large employers must provide insurance: Big employers are also expected to provide coverage to workers or face fines. Businesses with 50 or more workers who do not provide coverage will be fined $2,000 for each uninsured employee.
  • Extending Medicaid to cover low-income families: Medicaid, the state-federal program for the poor and disabled, will be expanded sharply starting 2014; it will now offer care to people with annual incomes less than 133 percent of the poverty level ($29,326 for a family of four).
  • Tax credits for low-income families: People with incomes up to 400 percent of the federal poverty level will receive tax credits on a sliding scale relative to their income to help them to buy insurance.
  • Buying insurance on state exchanges: State-based insurance marketplaces called exchanges are expected to go into effect in 2014, where people can pick and choose the plan that works best for them. Once the exchanges are up and running, insurers will be barred from rejecting applicants based on their health status. The new policies sold on the exchanges will be required to cover not just hospitalizations, doctor visits, and prescription medicines, but also maternity care and certain preventive exams.

Related Content:
Cosmic Variance: Obamacare

Image: Pete Souza/ Whitehouse.Gov


Stepping off the narrow path of reality | Bad Astronomy

I’ve said here before that the path of reality is razor-thin: there’s only one way to be right, but an infinite number of ways to be wrong.

The thing is, that narrow path is like a single, unbroken strand, but each path of unreality leads to every other. If you can chuck reality into the dustbin, then all manners of silliness seem equally plausible. You might think that believing in Santa Claus is a lot sillier than believing in homeopathy, but really they’re the same: they’re both fantasy.

For support in this thesis of mine, I present to you an article in the New York Times about how politicians who attack evolution legislatively are now also attacking global warming. This doesn’t surprise me at all, for two reason. One is that I’ve already written about dumb legislation in South Dakota and Utah trying to resolve away climate change, resolutions filled with nonsense and ridiculous assertions that fly in the face of what we know. That’s empirical proof that politicians are willing to try to legislate narrow partisan beliefs into reality.

But the other reason I’m not surprised is that, over the past decade or so in particular, we’ve seen the far right promote fantasy over reality. Abstinence-only education, creationism, global warming denialism, defunding stem cell research, the mocking of volcano research, fruit fly research, planetarium star projectors.

It shows to me that once you buy into one flavor of candy-coated nonsense, they all start to taste pretty good. But we have to be adults here, and understand that you can’t live on candy. In fact, too much makes you sick. And that’ll make walking that narrow path that much harder.


An update on our search for new SBM bloggers

Three and a half weeks ago, Amy Tuteur announced her departure from SBM. Three weeks ago, I announced that we were recruiting new bloggers to replace Amy, to bolster areas of weakness among our bloggers, and expand our repertoire. I thank those of you who have responded.

Given that none of you have heard anything from us other than perhaps an acknowledgment of receiving your application, I thought it reasonable to give a brief update. Due to a combination of the death crud (of which those of you who are my Facebook friends may be aware), a challenging couple of weeks at work, and various other concerns, I haven’t made as much progress in evaluating potential new bloggers as I had hoped. I had hoped that we would have at least been able to start sending out an offer or two by now. All I can ask is: Be patient. And, if you know of any quality bloggers who haven’t been proposed already, please let me know. We are evaluating candidates, and it shouldn’t be long before I start communicating with the top applicants.


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Leisure Time for Plants | Visual Science

Everyone knows plants are special. They eat meat, respond to music, and of course perform the impressive feat called photosynthesis. And now, thanks to artist and smarty-pants Jonathon Keats they have entertainment. Keats has produced a documentary show just for plants. After making porn for plants featuring hardcore pollination, he has turned to more general themes. The above image is a sample of skies filmed in the United States and Europe, recently projected for a selected botanical audience at the AC Institute in NYC.

Image courtesy Jonathon Keats

how lao, brown cow

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Bob Dylan helped define a generation’s revolution – one that Leslie Engle thought had passed her by as she was growing up. In “real time”, it had, pure and simple. Fortunately, through educating, volunteering, cooking, and embracing everything Lao, she has found her own personal “revolution” and is enjoying every second of it all.


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Endangered Species Meeting Brings Good News for Elephants, Bad News for Coral | 80beats

ElephantThe Convention on International Trade in Endangered Species (CITES) continues through Thursday of this week, and the fallout continues today.

On Friday we reported that the bluefin tuna trade ban failed thanks in large part to Japanese diplomatic efforts, denying new protections to the endangered fish, but also noted that the question of opening the ivory trade had yet to see a vote. Over the weekend the convention voted down those ivory proposals put forth by Tanzania and Zambia, which would have allowed one-off sales of ivory from government stockpiles. The ivory trade was banned in 1989, but two sales have since been granted to nations showing effective conservation [BBC News]. However, fears that such sales encourage poaching led the meeting’s attendees to reject the new proposals.

While most conservation groups lobbied against the ivory proposal, another of their pet causes—offering more protection for corals against harvesters who sell them as jewelry—failed at CITES. The proposed restrictions would have stopped short of a trade ban but required countries to ensure better regulations and to ensure that stocks of the slow-growing corals, in the family coralliidae, were sustainably harvested [The New York Times]. The provision garnered 64 “yes” votes to 59 for “no,” but needed a two-thirds majority to pass.

Related Content:
80beats: Bluefin Tuna is Still on the Menu: Trade Ban Fails at International Summit
80beats: Is Ivory Season Starting, Just As Tuna Season’s Ending?
80beats:Scientists Say Ban Atlantic Bluefin Tuna Trade–and Sushi Chefs Shudder
80beats: Elephant-Lovers Worry About Controversial Ivory Auctions in Africa

Image: flickr / wwarby


Obamacare | Cosmic Variance

Good news and bad news last night, as the House passed health care reform.

The good news is: the House passed health care reform. The work isn’t completely done yet, of course. The House had already passed a heath care bill, months ago, but this isn’t it; last night they passed the Senate’s version of the Bill, which had some glaring flaws. Under ordinary circumstances the House and Senate would get together and hammer out a compromise between their two bills. But in the meantime Republicans picked up an extra Senate seat in Massachusetts after Teddy Kennedy died, and they had promised to filibuster the compromise package. (Because, after all, what courageous moral stand could be worth invoking arcane parliamentary procedures more than the fight to prevent millions of people from getting health insurance, especially if that was the life’s goal of the Senator whose death allowed you to improve from having twenty fewer votes than the opposition to only having eighteen fewer votes?)

So Obama will sign the Senate bill that the House just approved, and then the Senate will consider a reconciliation bill also passed by the House last night. Under even-more-arcane procedures, the reconciliation measure can be passed without threat of filibuster. It requires only “majority vote,” a quaint notion in this highly baroque age.

It’s not an especially huge bill, whatever you may have heard, but it will have an impact. Here is a list of the major impacts, and an interactive graphic to figure out how you will be affected. The most important features seem to be:

  • Establish health insurance exchanges, and provide subsidies for people below four times the poverty line.
  • Guarantee insurance for people with pre-existing conditions, and eliminate “rescissions” that take away insurance from people who get sick.
  • Push business to provide insurance for their employees, and self-employed individuals to buy insurance for themselves.
  • Close the “donut hole” in the existing Medicare payout structure.
  • Implement cost controls (mostly through slowing the growth of Medicare spending), thereby lowering the budget deficit by $130 billion over the first ten years, and by another $1 trillion over the next ten years.

Overall, it’s a relatively incremental bill, placing bandages over some of the more egregious wounds in the current system, while leaving in place the essential structure through which we funnel billions of dollars to middlemen while paying far more for medical care per person than any other country without getting better results. For 90% of Americans, coverage and insurance will continue as before. Basically, this brings us a little closer to where Western Europe was a century ago.

Still, a tremendous political accomplishment — maybe not from the perspective of what we were hoping for when Democrats took control of both houses of Congress and the Presidency in 2008, but certainly from the perspective of the last couple of months, when it often seemed like we weren’t going to get anything at all. More than anyone, credit for the accomplishment goes to Nancy Pelosi, who didn’t give up when things looked grim. From now on she won’t simply be known as the first female Speaker of the House, but one of the most effective leaders in its history. Here she is marching to the Capitol yesterday, arms linked with civil-rights pioneer Representative John Lewis from Georgia, carrying the gavel that was used when Medicare was passed in 1965. An historic moment.

Which brings us to the bad news. One of the reasons why Pelosi was marching with Lewis was to demonstrate support a day after this man who had marched at Selma was repeatedly called “nigger” by protesters outside the Capitol. Ugly by itself, but worse in context: it’s becoming harder and harder to have a meaningful debate in this country without participating in a race to the rhetorical bottom.

There exist reasonable arguments against health-care reform; not arguments I agree with, but ones that at least make superficial sense. It costs money to provide insurance for the uninsured, and someone will have to pay. Asking healthy people to buy insurance will be a burden to them. There will be less extra money floating around if we cut down on unnecessary costs, which might impede the pace of medical innovation. (I didn’t say they were great arguments, just that they made superficial sense.) But these aren’t the arguments that are actually made most frequently. Instead we hear that the Democrats are abandoning the principles of representative democracy by passing legislation while they control both legislative houses and the executive; or that liberals won’t stop until they have swept away the last vestiges of personal choice in American life; or that the government wants to decide when to kill granny. Right-wing bloggers nod with approval at the idea that people are stocking up on guns, preparing for fighting in the streets. The race to find the most scary and overheated characterization of a pretty benign state of affairs is a fierce one.

The most depressing aspect of the situation is not the existence of crazy fringe elements — those will always be with us, on both sides of any issue — but of the reinforcing dynamic between the fringe and the supposedly respectable parts of the Republican party. It’s been clear for a while to most people (outside the White House, anyway) that Republicans in Congress made a clear choice that their own self-interests are served by preventing Democrats from passing any meaningful legislation, whatever that might mean for the good of the country. Speeches during House “debate” last night consistently played to the worst aspects of the protesting mob. One Congressman shouted “baby killer!” at Democrat Bart Stupak, who is staunchly anti-abortion, as he spoke to support the bill. [Update: it was Randy Neugebauer (R-Tex.).] Two protesters inside the House chamber were arrested for being disruptive — and “several Republican lawmakers stood up and cheered during the interruption.”

Lest you think this is simply concern-trolling from a liberal telling conservatives to be less intrusive, note that conservative commentators like David Frum are making the same point: the rhetoric has gotten out of hand, and it’s not good for anybody, except maybe the “conservative entertainment industry.”

I’ve been on a soapbox for months now about the harm that our overheated talk is doing to us. Yes it mobilizes supporters – but by mobilizing them with hysterical accusations and pseudo-information, overheated talk has made it impossible for representatives to represent and elected leaders to lead. The real leaders are on TV and radio, and they have very different imperatives from people in government. Talk radio thrives on confrontation and recrimination. When Rush Limbaugh said that he wanted President Obama to fail, he was intelligently explaining his own interests. What he omitted to say – but what is equally true – is that he also wants Republicans to fail. If Republicans succeed – if they govern successfully in office and negotiate attractive compromises out of office – Rush’s listeners get less angry. And if they are less angry, they listen to the radio less, and hear fewer ads for Sleepnumber beds.

I’m not sure what the end game is — whether it’s possible to step back to a more reasonable dialogue. Disagreement is good, and it’s important to have an active and engaged opposition party, no matter who the majority party might be. But whipping up hysteria at the cost of working together constructively isn’t in anyone’s interests. Obama campaigned on a message of hope and change and bipartisan togetherness, and I think that was a sincere message on his part; but it certainly hasn’t come to pass, and there doesn’t seem to be any indication that it will.


System.out.println(“Hello World!”);

Duke SkardaHello World!

Please allow me to introduce myself in this inaugural blog entry. My name is Duke Skarda, and I have the privilege — and challenge — of running the IT and Development organization here at The Planet. Prior to joining The Planet last summer, I spent 15 years working in the telecom industry as a software developer and architect, enterprise architect and as an executive leading development organizations. I love the challenge of leading technical teams to develop and apply technology solutions to tough problems. The telecom and hosting industries have proven to be great hunting grounds for me in that respect.

I plan to use this blog to talk about what we’re doing, why we’re doing it and what we will be working on next. We have great plans for our systems and our business, and I want to let you in on them. My goal in this is two-fold: to keep you informed and to get input from you. I’ve taken a few months to settle in and get my arms around our opportunities for improvement and the resources at my disposal. I now have a good understanding of where we are and where we’re going. It’s going to be a great ride with lots of new ideas. We plan to share those ideas and get your feedback along the way, and I’ll keep you informed as we work our way through them.

When I took this role, the number one goal I was given was to improve our internal systems. We’re working to enhance our back-office systems with the application of new inventory management, billing and product catalog solutions. These platforms provide a foundation for our business, and are very important in our day-to-day operations, so as they are updated, our customers will notice subtle and continuous improvements in our service. We have a lot of resources focused on these improvements right now, and we’re making some great progress, so I look forward to sharing our successes with you.

However… what I’ve come to discover is that there is an even more powerful punch: Automation. “We want to automate everything!” That was the second goal our CEO gave me. We have a great automation engine we’re working to improve, and we’re embarking on several initiatives to add new functionality and better cycle times. Our customers will see these improvements directly in improved server delivery times and as new functionality on our portal.

So that’s the journey here at The Planet for the near future. I have a lot of people on the team helping me out. A few of them will also be writing blogs, so let me do some quick introductions. First, Stephen Johnson and Kyle Smith will each be talking about various aspects of our self-service portal, Orbit 2.0. Both Stephen and Kyle joined the company in the fall of last year and have been working hard to build a new plan and some cool new interfaces for our portal. Second, Marc Jones joined us at the end of last year and is currently driving the development of some great new products that are focused on cloud services. So look for some inside-baseball blogs from those guys.

In my next entry, I want to provide a little history and some context. The Planet development team has been working for the last few years to bring a lot of disparate parts together as one unified system. I will talk about that and I will also focus in on the most recent release of our self-service site, Orbit 2.0. There’s an interesting story behind that …

With that … engage …

-Duke

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Become a Castaway: How to Rent a Private Island

3159-9-420x0It seems like every day there is a new article on island ownership somewhere in the world. Similarly there are often travel articles on unique island destinations. Rarely however is there an article written about renting your own Private Island. The Sydney Morning Herald recently published an article about the joys of renting your own island

The article notes that there are islands available all over the world from Canada to the Mediterranean to the South Pacific, and each island is unique, some are affordable, some are economical, some are environmentally friendly and some are truly unique (i.e. islands with castles, lighthouses and prisons). Here is what the author has to say.

Others are celebrity-friendly. At the Mayan-themed Nygard Cay in the Bahamas, famous guests have included Sean Connery, Robert De Niro and Oprah Winfrey and the nightly rate of $US42,000 ($46,000) includes Hummer or limo transfers from Nassau.

To read the full article and learn more about island rentals visit The Sydney Morning Herald.

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