Category Archives: Tulsa Speaks

Living on borrowed time

There are some things Lonny Wand does not remember about his oh-so-close brush with death.  The ambulance ride to the hospital, time spent in the emergency room, and three of his twelve days in the intensive care unit at the hospital are just a few examples of what he does not remember.  He also cannot pinpoint the moment when he was seconds from death, but it likely was shortly before an ambulance arrived at his home and the paramedics inserted a plastic tube into his trachea to open his airway so he could breathe. But it’s what he does remember that changes life now and while he wouldn’t ask for or want to repeat those experiences, he might not trade them either.  

Lonny had surgery December 15th to fuse together three vertebrae in his neck to fix a two decade-old problem.  In his typical fashion, he chose to have surgery performed on that date so he could recover over Christmas and miss as little work as possible.  Brother Wand, which is a factious name, serves as an Associate Minister in the Tulsa area.

Trouble began just before midnight on the 16th during his first night home from the hospital when a hematoma near the incision swelled and cut off his air supply.  Realizing he was in serious trouble, Lonny dialed 911, and then stood out in the street in front of his home to flag down the ambulance.  As breathing became increasingly more difficult, he went back in the house, handed the phone to his wife, Bonnie, and passed out on the living room floor.  EMS workers opened his airway using the smallest tube in their supplies.  They later told Lonny that he was seconds form death and that they don’t typically have that small of a tube in their medical supplies.  Many hospitals don’t even stock them.

As Bonnie drove to the hospital, she repeated to herself “God’s in control!  God’s in control!  God’s in control!”  Trauma doctors put Lonny on a ventilator and took him straight to surgery while his wife called family, friends, and church family for prayer and emotional support.  Thousands of people responded with e-mails, cards, flowers and personal visits to the hospital to pray with Bonnie about her husband.  The Wand family gathered at the hospital.  Sons Shawn and Don arrived from Arizona, while daughter Wanda kept watch at the hospital and cared for her mother.  

That began a thirteen day stay in the ICU.  Lonny remembers nothing from the first three days when he was sedated, but he does remember waking up, trying to focus on the big clock on the wall and over hearing the doctors discussing his case.  When he heard, “50-50 chance he won’t come out of this” he said an inner siren sounded, and he grabbed a white board to write out goodbyes to his family and friends.  That was the hardest –and most memorable—moments of the ordeal, when this normally stoic, former Army General, poured out his heart.  “It was the first time any of us saw dad weak and vulnerable,” Wanda said.  “The worst thing became the coolest thing for our family as we connected on a different level in love and commitment.

All went better than expected, and Lonny left the recovery room after the operation wishing everyone a Merry Christmas and a Christ-filled New Year!  In his ICU room he asked for his laptop and a phone and began counting the days when he could leave and get back to “normal” life, but there were other health hurdles to overcome before that would happen.  The doctors found two blood clots in his right leg, and his blood pressure and heart rate spiked.

Time spent captive in the ICU turned out to be life-changing.  Lonny talked to his children and wife for hours about important issues in life and what needs to be done after he dies.  Lonny thought about what he read in the book called “Crazy Love” by Francis Chan.  The book talks about having a passionate relationship with God, and Lonny began to worry about whether he had led his children to the church rather than to the Lord Jesus Christ.  His children assured him that he led them to Christ Jesus.

Stacks of cards, letters, flowers with notes of love and home-made meals, made the senior minister of the church to make this observation about Lonny’s ordeal.  “One thing does thrill me about this situation,” he said.  “People have had an opportunity to express their love for Lonny, and even though he’s not a touchy-feely kind of person, all these expressions of love have meant a lot to him.  What an example he has shown of how retirement should be regarded as a time of service for Christ and not self-indulgence.”

When Lonny returned to work at church, he put a clock on his office wall similar to the one in the ICU room at the hospital.  He said it serves as a reminder that he’s on borrowed time.  He plans to go through all his commitments and choose those with eternal significance.  “God has given us 86,400 seconds in a day,” Lonny said.  “I got a restart.  Christ raised Lazarus from the dead, but eventually, he died.  Someday I’ll die, too.  The question is what I’m going to do with the remaining time He’s has given me.  While I wouldn’t want to go through this again, it has drawn me closer to God and my family, and it has made me reconsider what’s important in my life.”

Would you like to hear about Lonny’s rehabilitation after the hospital released him?  If so, please call me personally at (918) 665-7004, and if I receive enough calls that reflect a genuine interest, I will then send Tulsa Today ‘the rest of the story’ of Lonny Wand’s adventure.  Sincerely, waiting to hear from you!

David Barton highlights forgotten history

Last night at Tulsa’s Victory Christian Center, American historian David Barton spoke with fast facts flying in illustration of monumental contributions of African Americans in our national history.  Barton will speak on the topic again this evening at Oral Roberts University at 7 pm in Timko Barton Performance Hall.  The presentation is free and the public is invited.  The title of the lecture is “America’s Godly Heritage: African American History."

Long a student of history, this reporter was stunned by how little I
knew of the significant roles African Americans played at the birth and
early building of the nation.  With tape rolling and pen in hand, one
would think an experienced reporter would feel satisfied, but Barton is
so quick and the subject so compelling, I bought his book, “Setting The
Record Straight: American History in Black & White.”  In the spirit
of full disclosure, I bought in total seven books and “The American
Heritage Series” DVD.  I now have some study I am eager to do.

National news organizations describe Barton as an “America’s historian” and Time Magazine named him as one of “America’s 25 most influential evangelicals.”  More to the local connection, Barton is a graduate of Oral Roberts University.  As are other ORU alumni, Barton is putting his education, intellect and passion for God to good purpose; an example of what Oral Roberts intended for the alumni from the university’s founding.

David Barton founded and serves as president of WallBuilders, a national pro-family organization that presents America’s forgotten history and heroes, with an emphasis on moral, religious and constitutional heritage.  According to his online biography, the name “WallBuilders” is taken from the Old Testament writings of Nehemiah, who led a grassroots movement to rebuild the walls of Jerusalem and restore its strength and honor.  In the same way, WallBuilders seeks to energize Americans today to become involved in strengthening their communities, states, and nation.

Barton is the author of numerous best-selling books, with the subjects being drawn largely from his massive library of tens of thousands of original writings from the Founding Era.  He also addresses well over 400 groups each year.

Wednesday night Barton referenced Daniel Webster’s quote, “History is God’s Providence in human affairs.”  He went on to say that in the current state of education in America, “we have been taught negatives of American history” a process Barton names “Deconstructionism” and “Poststructuralism.”

In illustration, Barton likened the story of a magnificent office building toured by critics who then steadily and over time release nitpicking and marginally relevant negative reviews to destroy the reputation and, thereby, the success and public acceptance of the structure.

Barton is a researcher’s researcher.   His attention to detail in investigative efforts of original sources has rendered him an expert in historical and constitutional issues.  He often serves as a consultant to state and federal legislators, has participated in several cases at the Supreme Court, was involved in the development of the History/Social Studies standards for states such as Texas and California, and has helped produce history textbooks now used in schools across the nation.

Barton is a frequent guest on FOX News and the FOX Business cable channels.  Inspired by his past presentations, this writer crafted a music video.  Last evening at Victory Christian, I had the honor to present a DVD of that music video to his wife Cheryl which you can see on YouTube, click here for video.  It was recorded and filmed locally in the last week and a half for fun and in appreciation of David Barton’s inspirational contributions to current public debates.  From the Van Morrison song, “Tupelo Honey” the song, spoken word and video together are a tribute to American Liberty.

Barton has received numerous national and international awards, including Who’s Who in Education, DAR’s Medal of Honor, and the George Washington Honor Medal from the Freedoms Foundation at Valley Forge. His work in media has merited several Angel Awards, Telly Awards, and the Dove Foundation Seal of Approval.  David and his wife Cheryl have three grown children, Damaris, Timothy, and Stephen, and reside in Aledo, TX.

To reach WallBuilders online, click here.  To listen to the daily radio show and podcasts from WallBuilders online, click here.

Governor Fallin’s State of the State

This is the prepared text of Oklahoma Governor Mary Fallin’s State of the State speech, presented at the opening joint session of the state Legislature, held today (February 7, 2011).

Lieutenant Governor Lamb, statewide elected officials, Speaker Steele, President Pro Tem Bingman, members of the court, Honorable Senators and Representatives, cabinet members, distinguished guests, and citizens of Oklahoma:

Thank you for giving me the opportunity to stand here today as your governor.

I’m joined today by my family, my husband Wade and our wonderful children. Thank you for your love and support.
 
We are gathered here to discuss the state of the state. I am proud to say, it is strong.
                                                                                                                      
Oklahoma continues to be proud and beautiful … a wonderful place to live and raise a family, and the only state I would ever choose to call home.  
 
We have one of the lowest unemployment rates in the nation, at 6.9%.
 
Our economy is propelled by thousands of successful small businesses, our energy and agricultural sectors and a strong aerospace industry.
 
Oklahomans are helping to feed our nation by raising crops and livestock and helping to power our nation with the extraction of oil and gas and by harnessing the wind.
 
Oklahoma is the home to the largest aerospace maintenance and repair facilities in the nation, and our aerospace technicians are keeping military and commercial aircraft flying safely throughout the world.
 
Here in Oklahoma City, we see a new floor added every few days to the Devon Tower, one of the tallest buildings west of the Mississippi river. And we are blessed with a low cost of living, abundant natural resources, ease of travel, great family values and an incredible people who form an unbreakable community.
 
It hasn’t always been easy for Oklahoma. We have felt the affects of the national recession, and it has been hard. 

However, we have worked through it, and we will come out stronger. As Oklahomans have done for years, we will continue to manufacture goods and build skyscrapers on the land that was once known as the Dust Bowl.
 
That is the unshakeable spirit of the people of Oklahoma. We are a state that has survived the injustices of the Trail of Tears and the Tulsa Race Riots, the great depression, oil booms and busts and the horrors of the Murrah bombing, only to emerge as a stronger community and a prouder people.
 
That’s the Oklahoma Spirit. It’s a pioneer spirit, a spirit of resilience and a love for one’s neighbors.
 
And it is because of the love, appreciation and respect I have for my fellow Oklahomans that it pains me, as I know it pains you, when we fall short in some areas.
 
It is unacceptable and unimaginable that a people who perfected amazing technical feats in areas like horizontal drilling and hydraulic fracturing cannot successfully address preventable illnesses like diabetes and heart disease that cost our state thousands of lives and hundreds of millions of dollars in medical bills each year.
 
We don’t tolerate mediocrity in our football teams, and yet our student performance continues to lag behind.
 
We allow over regulation and costly workers compensation and legal systems to slow our recovery and drive jobs out of the state.
 
And we have allowed our government institutions, in many instances, to become outdated 8-track bureaucracies in an I-pod world, rather than moving forward to adopt more efficient and effective practices, as we must.
 
None of these problems are insurmountable. But they require action. And for too long, we’ve kicked the can down the road. And it’s our citizens and our state that have paid the price.
 
Now, going into the next legislative session, we have two distinct sets of challenges.
 
The first is to deal with an immediate revenue shortfall that has left our state budget with a 600 million dollar gap between revenues and last year’s expenditures.
 
The second challenge is how, even in the midst of that revenue crisis, we can push forward to pursue the reforms that will make Oklahoma more prosperous for years and generations to come.
 
Voters understand these challenges. And in the last election, the people of Oklahoma had the opportunity to speak, and they sent us a message.
 
They told us that it’s time to get serious about controlling spending, and that the growth of government shouldn’t outpace growth in the private sector.
 
They asked us to eliminate government bureaucracy that holds back private sector growth.
 
They reminded our government officials that when hard times hit, the public expects a leaner, more efficient government, not one that raises taxes to avoid making tough decisions and sacrifices.
 
That is the philosophy I’ve embraced as I’ve worked with my administration and legislative leaders to put together the governor’s budget and our leadership agenda.
 
The agenda I am presenting today represents a forward thinking plan of action that lays the groundwork for generations of prosperity. It will create jobs and grow the economy. It will reform our government to make it more efficient and effective. It will work towards a healthier, better-educated Oklahoma. Ultimately, it will help to build a state whose future is secure in a competitive global economy.
 
Our first priority will be to balance our state budget without raising taxes, which we can do by carefully prioritizing our spending and enacting government reform.
 
I have proposed a series of cost-saving measures that will make government more efficient and effective while focusing on eliminating wasteful spending.
 
Those cost-saving measures are essential, because the bottom line is we can’t spend what we don’t have.
 
Some of the cuts and the reforms I am proposing will be painful. But I am not asking our state agencies to do the impossible. I don’t believe there is anyone, either in government or the private sector, who does not believe that our state agencies can’t find more ways to save money.
 
And the fact of the matter is, if we grow the government faster than the economy, then our state will sink under the weight of government spending. To prevent that, every agency will have to tighten its belt, just like families and businesses across the country have done.
 
We can do that even as we keep our commitments to important public priorities, like keeping our citizens safe, building our transportation infrastructure, educating our children, and caring for the less fortunate, the sick and the elderly. To reflect these priorities in my budget, agencies that deal with those issues will receive lesser cuts than the rest of our state government.
 
But the reality remains: all of us will have to do more with less. And I am asking our agency heads: resist the urge to tell the people of Oklahoma what you can’t do. Instead, tell us what you can do. Find ways to innovate and succeed. And just as countless Oklahomans have found ways to push through this recession, to put food on the table even when times are hard, find a way forward. 
 
All of us in government can find ways to provide our services to our customers – the taxpayers – in a more efficient, cost-effective manner.
 
That’s why I’m asking our legislative leaders to send me a series of reforms that will create a smaller, smarter state government, a better business climate for job growth and job creation, improved access to health care and higher academic achievement for our children.
 
This is Oklahoma’s road map to prosperity.

That road map begins with one goal: to create the very best business climate to retain and expand jobs and investments in Oklahoma. Our actions must send a signal to the rest of the nation: that Oklahoma is ready and open for business.
 
I recently attended the National Governor’s Association conference and I ran across one of our neighbors, Governor Rick Perry. Governor Perry told me he’s been using some scare tactics in Texas. He’s been telling legislators they had better get busy and pass his pro-business reforms because Oklahoma and Mary Fallin are nipping at his heels.
 
And I told him then: you’re darn right. And you had better watch out because Oklahoma is on the move, and we are dead serious about building a state that’s pro-business, pro-growth and committed to creating more and better jobs for our citizens.
 
We can start by reforming our workers compensation system into one that takes care of our injured workers in a more timely fashion, reduces fraud and waste, and puts the brakes on runaway costs that have spiraled upwards each year.
 
Our system is one of the most expensive and inefficient workers compensation systems in the country. In some cases, when our workers get hurt, we pay them to stay at home. We need to start focusing on what workers can do, not what they can’t. If at all possible, let’s get them healthy, retrained and back into suitable jobs.
 
So to the legislators here today – I’m challenging you to send me a reform bill that will reduce legal and medical costs, get our workers healthy and back to work, and allow claims to be processed quickly and efficiently without unnecessary expenses to businesses.
 
I’m also asking our legislators to work with me to get a lawsuit reform package signed into law, one that includes a hard cap of $250,000 for non-economic damages. We believe in justice for every Oklahoman. But we don’t believe in jackpot justice. And excessive awards for non-economic damages hurt businesses, destroy jobs and give a bad name to a legal system whose professionals are, for the most part, dedicated to ensuring fair outcomes for all parties.
 
Moving forward, we should also carefully scrutinize new rules and regulations so that we can study how they might affect our economy and whether they achieve their intended goals or simply throw up more bureaucratic hurdles to growth.
 
As another tool for economic development, I’m asking the legislature to work with me to create a Governor’s closing fund … so that when a business is deciding between, say, Texas and Oklahoma, we can reel that business in and get those jobs for our citizens and that revenue for our state.
 
That’s why I’ll continue to support the implementation of the income tax cut trigger, which lowers taxes for Oklahoma families and businesses and continues to make our state more competitive.
 
And on the subject of tax credits, I know a lot has been said. Representative [David] Dank and Senator [Mike] Mazzei are conducting a study to investigate which credits are effective and create jobs, and which do not. I’m looking forward to the results of that study, and our course of action will be simple: only tax credits that create jobs will stay. For instance, my budget begins the process of restoring the Aerospace Engineer Tax Credit, which brings good, high tech jobs to Oklahoma. But those tax credits that do not create jobs must be eliminated.
          
If we can do these things – reduce the costs of doing business here in Oklahoma, get government and legal hurdles out of the way of private sector growth, and retain jobs and businesses here while attracting new ones – we can do more and think longer-term than just ending the recession. We can make this state more competitive, more prosperous and more successful for many years to come. I’m asking you today to join me in pursuing that goal.   

I’m also asking you to join me in pursuing another goal: the goal of creating a modern, efficient and effective state government.
          
For the past several months, I’ve worked with some of the most innovative minds in the private and public sector to target waste and inefficiency in government.
 
Today we are proposing the first round in a series of reforms that streamline and modernize our state agencies.
 
For starters, we’re going to require our state government to finally move from paper to electronic billing and payment services. Currently, the state of Oklahoma pays $13.50 for every check it writes. That’s inefficient. Moving to paperless billing and payment will be faster, more efficient and save the state around 3.5 million dollars a year.
 
We’ll create a user-friendly one-stop shop for business licensing, so entrepreneurs looking to start companies can go to one location rather than several to do their paperwork, because it shouldn’t be any easier to open a business in Texas than in Oklahoma.
 
I’m also going to ask our colleges and universities to move off of their individual purchasing card systems and onto the state system, a move that will save $1.6 million annually and bring more accountability and transparency to the process. Oklahoma State University recently made this change, and I’d like to thank the university and President [Burns] Hargis for their leadership on this issue.
 
In the next year, I’m also proposing a consolidation of IT [information technology] services and personnel across state agencies. And while we’re at it, I’m going to call on our agencies to use a uniform system for financial and administrative services. The state of Oklahoma doesn’t need 76 different programs for financial bookkeeping. It needs one. And by moving towards that one system and consolidating services, we’ll save a whopping $146 million each year. I already have commitments from our Secretary of State and the departments of health, agriculture and commerce to move to such a system, and I thank those agencies for their dedication to making government more efficient.
 
These are the kind of simple, common sense solutions we can pursue to save taxpayer dollars.
 
I’m challenging our citizens and our government employees: help me find more places to save money and cut waste. Tell us how we can make our state serve our customers – the people of Oklahoma – more efficiently.
 
If you have an idea, share it with my administration by going to the website www.ideas.ok.gov and tell us where we need to look to find waste or abuse.
 
Besides finding ways to make government operate more efficiently, we’ll also need to work this legislative session to address one of the most serious long term budget problems facing the state: our underfunded and unsustainable pension systems. Currently, Oklahoma has an unfunded liability of $16 billion dollars.
 
Without taking action, our pension systems will run out of money. The consequences for the state, its employees and our economy will be severe.
          
I know that our public employees and legislators do not want Oklahoma to go down the same path as states like California, states which refused to fix their pension problems. So I am looking forward to working with both the House and the Senate to passing reforms that protect the solvency of our pension systems. These reforms are necessary if the state of Oklahoma is going to keep its commitments to our current public employees without jeopardizing our future and the health of our economy and our state.
 
We’ve talked now about the health of our economy; it is important that we also turn our attention to the health and welfare of our citizens.
 
Studies now rank Oklahoma 46th in the nation for the health of our citizens. That ranking is unacceptable, and comes hand in hand with lost workforce productivity, hundreds of millions of dollars in medical bills, and thousands of preventable deaths.
 
For Oklahoma to move forward it must get healthier.  We can do that by increasing access to affordable health care through free market initiatives, but also by encouraging personal responsibility. These changes can and should come from the people of our state, not Washington.
 
Last November, Oklahomans sent a message when they voted to pass a ballot initiative stating that the federal government cannot force our citizens to purchase private health insurance. Many Oklahomans, including myself, feel that the federal mandate is unconstitutional and wrong. That’s why Attorney General Scott Pruitt and I have acted to add Oklahoma to the list of states that are now challenging the president’s health care law in court.
 
And while we pursue that challenge, the state of Oklahoma must continue to work on local solutions to help our citizens gain access to affordable health insurance. We can do that by supporting innovative, state-based programs like Insure Oklahoma, a public-private partnership that helps small businesses provide affordable health insurance options to their employees.
 
Likewise, Speaker Steele has also introduced the foundation for another Oklahoma-based reform effort with potential to help health insurance consumers.
 
Two years ago Speaker Steele passed legislation authorizing the creation of a website where every health insurance plan in the state could be compared side by side. In the coming years, we’ll take that idea and build on it, allowing Oklahoma consumers to actually purchase health insurance through an Oklahoma exchange, knowing that the plan they’ve chosen has the right benefits at the right price.
 
Ultimately, the choice to live healthier and be healthier is just that: a choice. But I’m happy to say that the Department of Health has introduced innovative public-private initiatives like the Certified Healthy Businesses program to encourage healthy living and eating.
 
Currently, over 900 private businesses have become “certified.” And I’m excited to see our healthy living initiatives grow to include the Certified Healthy Schools and Certified Healthy Communities programs.
 
By asking our citizens to take responsibility for their own health, we’re building a healthier, more prosperous state, business by business, school by school and block by block.
 
We’re also asking our citizens to take responsibility for their lifestyles and their wellbeing. It’s no secret that many Oklahomans struggle with addiction issues that can lead to incarceration. As a result, Oklahoma is one of the highest rated states in the nation for female incarceration.
 
As we know, the costs to our state and our communities don’t end with the original offender. Children with a parent in prison are five times more likely to end up in the correctional system.
 
As Oklahomans, we must always place a priority on protecting our citizens and keeping our streets safe. But we can be tough on crime and smart on crime.
 
That’s why I’m continuing to offer my full support to programs like “Women in Recovery” and other initiatives that address substance abuse, prevent incarceration, and allow more families to stay together. By fighting the hold that substance abuse has on our communities, we can make Oklahoma healthier and safer while working towards reducing our incarceration rates. 

Lastly, there is nothing more important to our future and our long-term prosperity than education. It is the cornerstone of a prosperous society.
          
We have pockets of excellence in education throughout the state. Many of our teachers – like my sisters in law Rameen and Jane — along with many such as my sisters in law and administrators can be counted as some of the best in the country.
 
But the unfortunate truth is that Oklahoma too often comes up short when it comes to quality education.
 
We can do better. And we must do better in a challenging environment, in the midst of a serious and prolonged budget shortfall.
 
It is critically important that we restructure our spending and our educational programs in order to get more money into the classroom, where it can do the most good. That will require cutting down on overhead and educational bureaucracy by sharing administrative resources.
 
And like in any industry, we also need to find ways to encourage innovation and good results. That’s why I’m working with Superintendent [Janet] Barresi to find available funds for a new public-private partnership where private money matches state dollars to fund innovative learning programs that are shown to increase student performance and close the achievement gap.
 
And to address the limited circumstances where teachers are underperforming, I’m asking the legislature to send me a bill eliminating a practice known as “trial de novo;” a system that makes it nearly impossible to dismiss even the most underperforming teacher. By implementing these reforms, we’ll make the system more accountable and better able to reward good results.
 
We have a lot more work to do.
 
It has been shown that from the first through third grade a child “learns to read,” but from the fourth grade on a child “reads to learn.” Our children must be able to read at grade appropriate levels to be successful, and so I will work with our superintendent and my secretary of education to take steps towards the elimination of social promotion.
 
We also need to make some common sense changes that save money, like moving towards electronic textbooks where appropriate. And we must reduce remediation rates and develop better and more accurate systems to track student progress, so we know what’s working and what isn’t.
 
In the next few years, I am confidant Oklahoma will be the beneficiary of true education reform that delivers on many of these fronts.
 
Superintendent Janet Barresi and Secretary of Education Phyllis Hudecki are two of the strongest, most dedicated and most qualified women ever to spearhead education reform efforts in Oklahoma.
 
I know the legislature is committed to improving our schools as well.
          
And it must be. Because nothing – and I mean nothing – is as important to the success of this state than raising the bar in education.
 
With the right tools, our children will be the business leaders, the entrepreneurs, the social workers, and the teachers of the future. They will be our innovators and our civic leaders.
 
But to get there tomorrow, they need us to make the right choices today … to budget responsibly, to ensure that our government operates efficiently and effectively and to reform those agencies that don’t, to pursue an agenda that is pro-jobs and pro-business, to empower our citizens, to improve our health and to recommit ourselves to providing quality education and quality schools.
 
It won’t happen overnight. But it starts now.

One hundred and twenty-two years ago, many thousands of pioneers came in covered wagons to the unsettled lands of Oklahoma. They built tent cities in the unsettled wilderness.
 
In 2011, we’re done with tent cities and covered wagons. Now we build skyscrapers and jet engines, develop new crops and find new cures for disease. And our future is every bit as exciting today as it was then.
 
We have the tools we need to move Oklahoma forward, to forge a prosperous future and to ensure that the next century of history in this state is as impressive as the last.
 
Let’s work together to build that future, for ourselves, our children and our children’s children.  In closing, let’s share this simple goal: every year, when we return to these chambers, the state of our state will be stronger, healthier, better educated and more prosperous than it was the year before.
 
Thank you. God bless you and God bless Oklahoma.

Healthcare reform and pre-existing conditions

Opinion:  The plight of people who lose their insurance and then get sick is one of the most appealing arguments for health care reform.  And the White House really took advantage of it, soliciting tear-jerking stories from responsible folks who played by the rules and who can’t get insurance through no fault of their own.

The disagreeable truth—a relentless law of economics—is that you can’t insure a pre-existing condition.  If you wreck your car, State Farm pays only if you had the insurance policy before the accident. If you don’t have insurance, your options are to take the bus, walk, ride a bicycle, get help from friends or family, or come up with money to buy a new car from some source other than a car insurance company.

People would very much like the “right” to buy insurance that would cover their pre-existings, without restrictions or waiting periods.  But the same folks don’t much like the idea of paying for other people’s pre-existings—or even for their sicknesses.  So the healthy ones often switch into a new policy that gives them an enticing low rate if they pass the underwriting.  Then those who can’t switch see their premiums go up rapidly.  This is called the “death spiral.” Is it the wicked insurance companies’ fault?  Or human nature?

You might naturally feel sympathy toward a person who finds out that he has a costly and fatal condition like AIDS.  But what if he doesn’t tell the life insurance company about the pre-existing as he buys a million-dollar policy for the benefit of his partner?  Is it wicked of the insurer to rescind the policy because of fraud?  Or should the government force the company to pay—until it goes bankrupt, and leaves all of its subscribers without coverage?

If you have insurance through your employer, pre-existings are likely not a problem—if you can get the job, that is.  But the huge drawback of employer-owned insurance is that you lose it if you lose your job.  This is called “job lock.” Lots of people are stuck in jobs they hate because of this.

It might not seem fair that people who pay into a policy for years or decades are left with nothing the instant the policy lapses.  But that is the nature of an insurance contract.

If over 10 years or so, you put $100,000 into a safe investment, at the end of that time you have $100,000 plus interest.  If instead you hand the money over to the insurance cartel, you have nothing.  The trade-off is that if you have a catastrophic event during the time you are covered, the insurer pays.  Most people think the deal is a fair one, and that’s why they voluntarily pay the premiums.

As soon as the government forces people to pay a premium for other people’s pre-existings, they are likely to object to what they—quite reasonably—see as a rip-off.  Hence the need for more force: the individual mandate.

Some people don’t see the connection, and think we can keep that popular provision on pre-existings, and delete the rest.  We can’t.

The long-term answer to the problem of pre-existings is to break the connection between health insurance and employment, which requires changing the tax code provision that caused it.  People can pay medical costs with pre-tax dollars if and only if they pay with employer-owned insurance.  If they pay out of pocket or through individual policies, they must use after-tax dollars.  With payroll tax and income taxes, that means they pay about twice as much. How can that be fair?

People tend to have much longer relationships with groups other than their employer: churches, credit unions, or fraternal organizations, for example.  Why can’t they get group health insurance in that way?  This type of group policy could offer advantageous guaranteed renewability to keep healthy people in the program.

And why should people get a huge tax advantage if and only if they funnel payments through a third party?

Meanwhile, there are people who have problems now.  And there is a solution that already works, without the system-wide destruction of ObamaCare.  Many states have high-risk pools for the uninsurable.  In Colorado, the monthly premium for a 35-year-old man with income under $50,000 is about $204, around $50 higher than premiums in the regular market.  In New Jersey, with guaranteed issue/community rating like that in ObamaCare, the regular monthly premium is $2,150.

Forcing insurers to cover pre-existings without allowing enormous premium increases will bankrupt them.  Perhaps driving private insurers out of business is the real agenda.  However, imposing a “solution” that multiplies costs bankrupts everybody.

Those who are counting on that single payer hovering in the background need to remember that the government is already bankrupt—a very dangerous pre-existing condition.  The most popular provision of ObamaCare may also be the worst.

The whole Act needs to be repealed.


About the author:  Jane M. Orient, M.D.,  On Air contributor speaking on Healthcare Reform.  Dr. Orient has appeared on some of the largest TV and Radio Networks in the country and her op-eds have been printed in hundreds of local and national newspapers, magazines, internet, followed on major blogs and covered in the Wall Street Journal and The New York Times.

Doctor Orient is the Executive Director of Association of American Physicians and Surgeons and has been in solo practice of general internal medicine since 1981. She is a clinical lecturer in medicine at the University of Arizona College of Medicine. She received her undergraduate degrees in chemistry and mathematics from the University of Arizona, and her M.D. from Columbia University College of Physicians and Surgeons. She is the author of Sapira’s Art and Science of Bedside Diagnosis; the fourth edition has just been published by Lippincott, Williams & Wilkins. She also authored YOUR Doctor Is Not In: Healthy Skepticism about National Health Care, published by Crown. She is the executive director of the Association of American Physicians and Surgeons, a voice for patients’ and physicians’ independence since 1943. Complete curriculum vitae posted at www.drjaneorient.com.  Additional information on health-related issues: www.aapsonline.org and www.takebackmedicine.com.

Dr. Orient’s position on healthcare reform:  “The Healthcare plan will increase individual health insurance costs, and if the federal government puts price controls on the premiums, the companies will simply have to go out of business. Promises are made, but the Plan will deliver higher costs, more hassles, fewer choices, less innovation, and less patient care.”   

Picking up the pieces

Almost everyone on planet Earth has been touched by grief-loss in some shape or fashion.  Grief is something we would rather not have to face but it is simply one of life’s realities.  More often than not, we are usually at a loss for words to comfort someone who has lost a friend or family member.  However; understanding the grieving process, the signs of grief and coping tips, will help you tremendously in handling grief-loss.

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