The Land of Ozz

My wife wrote a comment on Facebook that I want to follow up on. Mrs Ozz said:

“The idea of universal health care for our family is SCARY! At least we would still have Medicaid for Caden but who knows how that would change!”

While the Medicaid program that Caden is on works well for us college educated middle class folk…I seriously don’t know how uneducated (illiterate) people get it for their children.  The red tape and paperwork processes to get approved are horrendous.  You not only have to be able to read and comprehend the applications, but you have to have good records.  I was told to expect it to take 4-6 months to get Caden approved.  I had good records and followed the instructions and got the approval back in a few weeks.  The paperwork was heavy on the front end but has been almost non-existent on the back end.  These government run programs like Medicaid don’t provide specific benefit information like private health care.  You never get an explanation of benefits (EOB) from medicaid and from what I have seen there are no processes for reimbursement if you do pay for something out of pocket.

Caden has been covered by Medicaid (Katie Beckett – TEFRA program) since birth which was almost five years ago.  Children who qualify for TEFRA Medicaid are defined as follows:

These are children age 18 or younger that live at home and meet the SSI definition of disability for a child and meet the level of care required for Medicaid sponsorship in either a nursing home, ICF/MR or an acute care hospital. The parent’s income and resources are not considered in determining eligibility… Source

That definition gives me a reality check on how serious Caden’s conditions have been since birth.  What they are basically saying is that if the family is not willing or able to care for the child then they would likely be institutionalized if a suitable home could not be found.

This medicaid plan has worked for us but it has had some bumps in the road.  Beginning in 2008 the state of South Carolina began outsourcing Medicaid to private industry (HMOs) so this particular “GOVERNMENT” health care is no longer run by the Government in most cases.  We opted out of the HMO choices which were offered through SC Healthy Connections Kids and went back to fee-for-service Medicaid after being forced into an HMO that did not even provide coverage for most of Caden’s care.  The HMO we were auto enrolled into has only one participating hospital within 100 miles and it is not the Medical University of South Carolina (MUSC) Children’s Hospital where ALL of Caden’s inpatient, outpatient, and surgical work has been provided since birth.  As a matter of fact MUSC is the only hospital in the state that performs pediatric cardio-thoracic surgery. So why they choose an HMO for Caden, a child with congenital heart defects, where the only hospital in the state that can provide care is a non-participant in the HMO is completely illogical?

The scariest part of government run health care for me is the lack of equal value on life.  Many health care professionals believe that kids like Caden are a burden on families and society.  For instance, the women’s clinic where Mrs Ozz got most of her prenatal care went out of their way to make sure that we knew that we “had choices” during the pregnancy.  They made sure that we understood how difficult it would be to care for a special needs child and that we did not have to put our family through that.  Never mind that a life is a stake here.  They were basically saying that our family could have lived an easier life if we had chose to end our baby’s life at approximately 26 weeks in the pregnancy.

The mentality behind government health care is similar in that there seems to be no regard for the life of the patient if cost high and end of life are possible anyway.  You may remember that President Obama has made it pretty clear that some life saving procedures may not be worth performing on some patients.  I see this attitude held by some politicians along with their lack of value for all life to be the precursor to a slippery slope into situations like the one Dr. Bernhard Moeller faced in Australia.  The doctor was denied a visa because his son had DOWN syndrome and that would have caused a drain on taxpayers through the Australian government health care system.  And where does it all go from there?  When does the government decide to stop prenatal care or even force abortions on women who are carrying babies with known life threatening conditions that will almost surely put a drain on the taxpayers if the child is allowed to become a citizen?

The assessment of Dr. Moeller’s family medical needs were likely accurate if his son’s care cost anywhere near as much as my son Caden’s care.  Our family takes out at least twice as much benefit from the health insurance system as we put in during an average month even when there are no major procedures or extended hospitalizations.  Major surgeries along with associated hospital stays are particularly draining on the insurance system when they do occur.  Let me provide some personal details to clarify by using the first two months of Caden’s life.  I stopped adding the bills when the total passed $330,000 so we will use that number as a reference since we know that the first two months was at least $330K for Caden’s care.  My current insurance plan premiums are about $13,445 per year for our family coverage for Blue Cross Blue Shied Standard (non-postal rates).  While I was not a government employee at the time of Caden’s birth my plan was similar in benefit and premium costs so the example here is fairly representative.  Like most plans I pay a portion and my employer pays the remainder of the premiums to the insurance company.  At $330K in bills for those two months of care that means that it took more than 24 employees worth of yearly insurance premium contributions to cover the first two months of Caden’s hospital care after birth.  Caden has also had several other major surgeries since birth so these first two months is only a small example of what health care costs for a child with complex medical conditions.  For example Caden’s regular ongoing care today totals in excess of $2,000 per month due to tube feeding supplies, therapies, medications, specialist visits, and associated tests.  That is nearly double the monthly premiums ($1120) being paid in total for my family between me and my employer.

So the scariest part of the government run health care model is brought to light in Australia’s denial of Dr. Moeller’s visa.  If that example runs it’s course in the United States then Caden’s care might be categorized as too costly and the system might have to drop him from coverage if the politicians and burracrates get too involved in the process.

I have been considering this for a while and I believe now is the time.  I will begin a series on “The Father’s Mandate” as defined in Chapter Four of Growing Kids God’s Way.  I will be cross posting these articles here and on GrowingKids.org.  Follow me on Twitter to get notified when the posts go live.

I suggest that we send a $13 check or money order to our Senators and Congressmen to make a point on how serious we are as average Americans in opposition to this bill.  A commenter on one of my other posts has inspired this idea.  Bill says:

I assume that you Christians will return any money that will be sent to you per the stimulus bill. it only right that you do not accept this money but rather send it to a a person in need. Your gift will help those in need may the good lord bless you kind republicans.

In response to Bill I would argue that “you Christians” are already personally giving more to those in need than President Obama.

Although liberal families’ incomes average 6 percent higher than those of conservative families, conservative-headed households give, on average, 30 percent more to charity than the average liberal-headed household ($1,600 per year vs. $1,227). RealClearPolitics

Most of us are already giving to the needy and will not be hurt by giving back just one weeks’ worth of what the average American is going to see from this stimulus in tax credits.  Join me by mailing a $13 check or money order to your Senator or Congressman within the next week.  We need to make sure the checks are made out to someone who can actually see that the money is used for those in need of help.

Stand by for more information.  Follow me on Twitter or subscribe to this blog by email or RSS feed for further instructions.

UPDATE: Obviously Senator Jim DeMint and his aids are too busy to respond to constituants.  I did try to contact him to see if such an effort as mention above would do any good? While Senator DeMint has been on the right side (no pun intended) of all the spending bills, he has done a poor job on constituant serviecs.  He must be thinking more naitonally in terms of the 2012 presidential race.  It should not be too hard to give Obama a run for his our money in 2012 since he barely beat McCain and is not fairing so well out of the shoot.

The perfect storm is brewing and few people can read the signs. Many in Washington wrongly believe the root of the economic problems are in the housing market. I believe that the root of the entire economic meltdown is rooted in greed and no amount of government programs, tax cuts, or funny money from Washington with fix that root cause. A lot of people and businesses are going to have to feel some real pain before this problem goes away.

As the news slowly trickles out of Washington on how the stimulus/bailout/rescue will actually be spent, we are learning more every day that very few politicians expect this bill to create or save a mass of jobs within the next two years. As a government civil service member I can assure you that major infrastructure projects will not translate into jobs very fast. The programs have to be staffed and then the contracts have to written and then the contractors have to develop plans, etc, etc. Most of the benefit of this stimulus will likely begin to be realized in U.S. economy in about three years as admitted by most of Washington. Yes that is very convenient timing for a presidential reelection bid but I think the economic problems could correct themselves in about that amount of time even if congress does absolutely nothing. But by doing nothing they will not be able to claim credit for casting a vote for “something” which they think “is better than nothing”.

The disturbing reality of the state of the U.S. economy came to me in a headline titled Visa Reports Profit Rose 35% with Increased Use of Cards. The NY Times did not explain this news in the same way I perceived that headline at first glance. The first thing I thought was that record job losses plus lower retail spending equals a high likelihood that folks are using their Visa credit cards and “convenience” checks to pay their mortgages, utilities, and car payments. So the “Increased Use” of Visa is probably not good news for our economy if you get down in the weeds of how that credit might be being used. Since the magic carpet (stimulus) from Washington is not expected to land in a neighborhood near you any time soon to create or save jobs this makes for the perfect storm. The more jobs that are lost the more likely we are to see non-traditional expenses put on credit credit cards. Then when the credit limit is reached before the new jobs reach the unemployed credit card owners, well you get the picture I am sure. The exact timing of when this storm will hit hardest is dependent on the amount of credit the average jobless head of household has available after the loss of their job. Once the income stops and the bottom is reached (top of credit card limit) then there will be no ability to get refinanced and you might start seeing homeless rates rise like only a small sample of the U.S. population is old enough to remember from the 1930′s. The notion that fixing the housing market will solve all the problems is a fantasy. A borrower without a job is not going to be able to pay mortgage payments even at 0% interest. No amount of mortgage system overhaul, tax cuts, or infrastructure projects are going to solve the rapidly rising unemployment numbers.

The stimulus programs implemented by President Bush did not prevent this economic meltdown and the stimulus being sold by President Obama and his friends in congress will not fix the economy. What exactly this country will look like once the perfect storm comes ashore is impossible to forecast but you should prepare to witness some extreme damage.

Higher unemployment + increased use of credit = more foreclosures to come

Gingerbread Train 2007

We are building our shopping list for our annual Osborne Family Gingerbread Train. You can see the 2006 Gingerbread Train on Grill’n Time. I realized tonight that I never uploaded pictures of last year’s train. You will have to follow me on Twitter or Facebook to see more detailed pictures of last year’s train.  I will be posting them later tonight.

No, we have not jumped to the Attachment Parenting camp.  My wife jokingly admitted to co-sleeping with our 15-month old for an hour or so each morning during our recent trip to Washington, D.C.  Josiah was sleeping through the night in a pack-n-play in the same room with our two older boys, but he was waking when I left for work.  Sherry brought him in an had him lay with her for a little more than an hour until it was time for the rest of the gang to get up.  Both she and Josiah were able to easily go back to sleep this way without waking Riley and Caden.

Babywise and Preparation for Parenting are pretty clear on the subject of co-sleeping and we completely agree with the Ezzos on this subject. That said, there might be a night or two when you can safely deviate on the co-sleeping issue with an older kid without messing up all the great nights of sleep you have been given by following the priciples taught in Babywise? An yes, I know that a 15-months old is well out of the ages covered by Babywise but I thought the title would be cute and catchy.

This post is really not about co-sleeping an, but it is about the two big C’s of parenting.  The two big C’s are Context and Characterization.  What is the context of the situation?  Are you characterized by this as a parent?  The context of this situation was pretty obvious in our case.  Sherry was considering the preciousness of others and wanting to allow our older boys to get the amount of sleep they needed.  I am sure this was also the easiest way to get Josiah back to sleep for an hour or so without having a big power struggle.

We are certainly not characterized by having our children sleep in the same room with us even though there have been some (a lot of) occasions where Sherry or I would bunk in the same room with Caden for health and safety reasons.  Caden has got very congested with a cold in the past and he has required frequent suctioning at night to help him avoid aspiration of his secretions.  At four years old Caden still does not swallow at all, not even his own saliva.  If we didn’t help him keep his airway clear then we could have ended up in the hospital with pneumonia.  We ended up in the hospital a few time anyway, but I am sure there would have been many more hospital stays if we had not taken the extra precautions.  Other than those occasions I can probably count the number of times we have slept in the same room with our kids on my fingers. Most of those other occasions happened when we were visiting relatives or friends.

So it is not unheard of for a Babywise mama to co-sleep with a child, but you can be assured that in our family it will only happen on special occasions based on the context of the circumstances.

I got my most recent edition of Dad’s and Mom’s Corner today and found that the Maxwells have added Charleston as a stop on their Southeastern tour this winter.  MrsOzz’s bestest friend, better known in our house as Aunt Addie is th primary contact if you want to come get some encouragement from the Steve and Teri Maxwell from over at Titus2.com on the subject of Homeschooling.

You can see the Maxwell’s full schedule at Titus2.com.  Aunt Addie said I was the first to RSVP for this event.

The Post and Courier advertises on the front page of the Sunday edition of their newspaper that you could save up to thousands of dollars by using the coupons and value savings in their paper, but the numbers don’t always add up.  This week’s edition of the Sunday paper claimed up to $4,531 in savings.  Our family began using coupons from the Sunday edition of The Post and Courier a little over a month ago.  My wife and I have been clipping coupons every Sunday and redeeming between $50 and $100 in coupons per week.  My wife joined TheGroceryGame about a month ago to help her maximize the value of the coupons by catching items when they are on sale and applying the coupon at that time.

The value we have been getting for our dollars by using coupons has brought me back around to being a newspaper subscriber.  The problem is that one copy of the coupons does not maximize the savings for a larger family.  To solve this problem we have been picking up a second copy of the Sunday paper.  The extra $1.50 was well worth it today alone with the additional $96 in coupons that I clipped this morning out of the extra copy.  The coupons will not all be redeemed this week because we follow the recommendation of TheGroceryGame which tells you when to use the coupons to maximize their value.  This week we have redeemed $65.25 worth of coupons already and we have not finished all of our grocery shopping yet.  MrsOzz came home with well over $200 worth of groceries for barely over $150 today. She is already getting comments from the cashiers who are amazed at the amount of money she is saving.

Now that I have given a very long explanation for why we bought two copies of the local newspaper today, I will explain something that caught my attention in the Parade insert paper.  One thing that we learned very quickly about coupons is that they are not always in the most obvious places.  While I will admit that I do not read the paper, I am only in it for the money (savings), I do make my way through things like the Parade paper.  Today’s edition of the Parade inserted into The Post and Courier delivered to my driveway was not the same as the version in the newspaper machine at Dunkin Donuts in Goose Creek, SC.  One version of the Parade was $24 short on coupons while the article content was the same. The two copies are shown above.

The first half of the Parade appeared to be exactly the same.  It was on page 21 that I found the first difference.  Both papers contained an advertisement for Delmonte Fruit Naturals, but only one copy came with a $1 off manufacturers’ coupon.  The other copy of the Parade had the ad on a different page and the coupon was not there.  This was the only coupon of interest to me, but finding this one missing peeked my curiosity.  I went on to find that there were an additional $23 worth of video and toy coupons missing from page 19 (see below) of the same paper that was missing the Delmonte coupon.  That is a total of $24 difference in possible savings in the Parade paper alone depending on where you got your copy of The Post and Courier this week.

So which copy of my newspaper was correct?  Both copies said on the front cover, “Inside You could save up to $4,531 in coupons and value savings”.  One of them is incorrect unless The Post and Courier placed those coupons somewhere else in the copy of the paper that was delivered to my house today.  Want your missing coupons?  Contact The Post and Courier at Charleston.net.