Magazine Posts
A Comment by MFish
Unconsciousable. Insurers need to find a way to pay claims within the terms of the respective policies. Lean toward paying not nitpicking to deny.
A new law lets the state withhold funds from libraries that remove books or don’t follow American Library Association guidelines. More at Bloomberg ➜
Jorge Luis Borges' (August 24, 1899–June 14, 1986) in “Borges and I” — his classic parable of selfhood, exploring the divide between private person and public persona that each of us must live with and live into. It appears in Labyrinths (public library) — a collection of Borges’s stories, essays, parables, and other writings, originally published in 1962 More at The Marginalian ➜
"Recent studies show that too much HDL increases the risk of death. HDL levels above 80 mg/dL have also been associated with higher risk of cardiovascular events and compromised bone density". More at Scientific American ➜
"Insurance companies are denying more claims than before and for unusual reasons. Appeals are taking longer and the process is becoming increasingly complex.,, claims that once might have been paid immediately are instead quickly denied " More at KFF Health News ➜
Memorial Day honors all service members who lost their lives while in service to the United States, during peace and war. It is a time to reflect on those who made the ultimate sacrifice for our country.
"Soldiers Memorial Day"
Hymn by Mary B. C. Slade
When flow’ry Summer is at hand,
And Spring has gemm’d the earth with bloom,
We hither bring, with loving hand,
Bright flow’rs to deck our soldier’s tomb.
(Chorus)
Gentle birds above are sweetly singing
O’er the graves of heroes brave and true;
While the sweetest flow’rs we are bringing,
Wreath’d in garlands of red, white and blue.
They died our country to redeem,
And from the loving earth we bring
The wealth of hill, and vale, and stream,
Our grateful land’s best offering
(Chorus)
With snowy hawthorn, clusters white,
Fair violets of heav’nly blue,
And early roses, fresh and bright,
We wreathe the red, and white, and blue.
But purer than the fairest flowers,
We strew above the honored dead,
The tender changeless love of ours,
That decks the soldier’s lowly bed.
(Chorus)
We bend and kiss the precious sod,
Swift fall our tears the graves above
Oh! Brothers! from the hills of God,
Look down and see our changeless love.
Written by Mary B. C. Slade in 1870, two years after Gen. John A. Logan first declared May 30th a Memorial Day for decorating the graves of fallen soldiers. Music to her words was written by Perkins, W. O. (William Oscar). In 1968, Congress passed the Uniform Monday Holiday Act, which established Memorial Day as the last Monday in May. The change went into effect in 1971. Read about the Origins of Memorial Day
It was reported this week, that Rob Graham Education Center, a K-8 school in Miami-Dade County, has restricted access to the poem "The Hill We Climb" written by Amanda Gorman and recited by her at President Joe Biden’s inauguration on January 20, 2021; becoming the sixth and youngest poet, at age twenty-two, to deliver a poetry reading at a presidential inauguration.
The school decided to remove access to the book for elementary grade students and to only allow access to the book to Middle School students, after one parent filed a formal complaint on the grounds that the poem was “not educational” and included indirect “hate messages", Read More at NPR and The Guardian. According to the American Library Association, nearly 2,600 titles were targeted for censorship in 2022, an increase of almost 40 percent from the previous year.
“The Hill We Climb,”
When day comes we ask ourselves,
where can we find light in this never-ending shade?
The loss we carry,
a sea we must wade
We’ve braved the belly of the beast
We’ve learned that quiet isn’t always peace
And the norms and notions
of what just is
Isn’t always just-ice
And yet the dawn is ours
before we knew it
Somehow we do it
Somehow we’ve weathered and witnessed
a nation that isn’t broken
but simply unfinished
We the successors of a country and a time
Where a skinny Black girl
descended from slaves and raised by a single mother
can dream of becoming president
only to find herself reciting for one
And yes we are far from polished
far from pristine
but that doesn’t mean we are
striving to form a union that is perfect
We are striving to forge a union with purpose
To compose a country committed to all cultures, colors, characters and
conditions of man
And so we lift our gazes not to what stands between us
but what stands before us
We close the divide because we know, to put our future first,
we must first put our differences aside
We lay down our arms
so we can reach out our arms
to one another
We seek harm to none and harmony for all
Let the globe, if nothing else, say this is true:
That even as we grieved, we grew
That even as we hurt, we hoped
That even as we tired, we tried
That we’ll forever be tied together, victorious
Not because we will never again know defeat
but because we will never again sow division
Scripture tells us to envision
that everyone shall sit under their own vine and fig tree
And no one shall make them afraid
If we’re to live up to our own time
Then victory won’t lie in the blade
But in all the bridges we’ve made
That is the promised glade
The hill we climb
If only we dare
It’s because being American is more than a pride we inherit,
it’s the past we step into
and how we repair it
We’ve seen a force that would shatter our nation
rather than share it
Would destroy our country if it meant delaying democracy
And this effort very nearly succeeded
But while democracy can be periodically delayed
it can never be permanently defeated
In this truth
in this faith we trust
For while we have our eyes on the future
history has its eyes on us
This is the era of just redemption
We feared at its inception
We did not feel prepared to be the heirs
of such a terrifying hour
but within it we found the power
to author a new chapter
To offer hope and laughter to ourselves
So while once we asked,
how could we possibly prevail over catastrophe?
Now we assert
How could catastrophe possibly prevail over us?
We will not march back to what was
but move to what shall be
A country that is bruised but whole,
benevolent but bold,
fierce and free
We will not be turned around
or interrupted by intimidation
because we know our inaction and inertia
will be the inheritance of the next generation
Our blunders become their burdens
But one thing is certain:
If we merge mercy with might,
and might with right,
then love becomes our legacy
and change our children’s birthright
So let us leave behind a country
better than the one we were left with
Every breath from my bronze-pounded chest,
we will raise this wounded world into a wondrous one
We will rise from the gold-limbed hills of the west,
we will rise from the windswept northeast
where our forefathers first realized revolution
We will rise from the lake-rimmed cities of the midwestern states,
we will rise from the sunbaked south
We will rebuild, reconcile and recover
and every known nook of our nation and
every corner called our country,
our people diverse and beautiful will emerge,
battered and beautiful
When day comes we step out of the shade,
aflame and unafraid
The new dawn blooms as we free it
For there is always light,
if only we’re brave enough to see it
If only we’re brave enough to be it
"The production of biochar is an ancient farming practice dating back thousands of years to the fertile Terra Preta soils in Brazil. A kind of black powder, used to improve soil health. it is made by heating up organic matter such as wood chips, manure, leaves, or indeed coffee husks, in a process known as pyrolysis. A study in 2010 found that 12 percent of global greenhouse gas emissions could be offset with biochar. Researchers in 2022 also found that mixing wood biochar with cattle manure can cut methane emissions — a huge contributor to climate change — by an astonishing 79 percent" More at Reasons to be Cheerful ➜
"While most love songs are inspired by the joys and heartaches of romantic relationships, love between friends can be just as intense and complicated. Many people struggle to make and maintain friendships, and a falling-out with a close friend can be as painful as a breakup with a partner.".. " More at The Conversation ➜
"Samples collected from a well that serve more than 40 homes in the idyllic Hannah Heights neighborhood showed some of the highest levels of per- and polyfluoroalkyl substances, or PFAS, recorded in Washington" More at The Seattle Times ➜
The Biden administration on Thursday cautioned Americans about the growing risks of medical credit cards and other loans for medical bills, warning in a new report that high interest rates can deepen patients’ debts and threaten their financial security.
In its report, the Consumer Financial Protection Bureau estimated that people in the U.S. paid $1 billion in deferred interest on medical credit cards and other medical financing in just three years, from 2018 to 2020.
The interest payments can inflate medical bills by almost 25%, the agency found by analyzing financial data that lenders submitted to regulators.
“Lending outfits are designing costly loan products to peddle to patients looking to make ends meet on their medical bills,” said Rohit Chopra, director of CFPB, the federal consumer watchdog. “These new forms of medical debt can create financial ruin for individuals who get sick.”
Nationwide, about 100 million people — including 41% of adults — have some kind of health care debt, KFF Health News found in an investigation conducted with NPR to explore the scale and impact of the nation’s medical debt crisis.
The vast scope of the problem is feeding a multibillion-dollar patient financing business, with private equity and big banks looking to cash in when patients and their families can’t pay for care, KFF Health News and NPR found. In the patient financing industry, profit margins top 29%, according to research firm IBISWorld, or seven times what is considered a solid hospital profit margin.
Millions of patients sign up for credit cards, such as CareCredit offered by Synchrony Bank. These cards are often marketed in the waiting rooms of physicians’ and dentists’ offices to help people with their bills.
The cards typically offer a promotional period during which patients pay no interest, but if patients miss a payment or can’t pay off the loan during the promotional period, they can face interest rates that reach as high as 27%, according to the CFPB.
Patients are also increasingly being routed by hospitals and other providers into loans administered by financing companies such as AccessOne. These loans, which often replace no-interest installment plans that hospitals once commonly offered, can add hundreds or thousands of dollars in interest to the debts patients owe.
A KFF Health News analysis of public records from UNC Health, North Carolina’s public university medical system, found that after AccessOne began administering payment plans for the system’s patients, the share paying interest on their bills jumped from 9% to 46%.
Hospital and finance industry officials insist they take care to educate patients about the risks of taking out loans with interest rates.
But federal regulators have found that many patients remain confused about the terms of the loans. In 2013, the CFPB ordered CareCredit to create a $34.1 million reimbursement fund for consumers the agency said had been victims of “deceptive credit card enrollment tactics.”
The new CFPB report does not recommend new sanctions against lenders. Regulators cautioned, however, that the system still traps many patients in damaging financing arrangements. “Patients appear not to fully understand the terms of the products and sometimes end up with credit they are unable to afford,” the agency said.
The risks are particularly high for lower-income borrowers and those with poor credit.
Regulators found, for example, that about a quarter of people with a low credit score who signed up for a deferred-interest medical loan were unable to pay it off before interest rates jumped. By contrast, just 10% of borrowers with excellent credit failed to avoid the high interest rates.
The CFPB warned that the growth of patient financing products poses yet another risk to low-income patients, saying they should be offered financial assistance with large medical bills but instead are being routed into credit cards or loans that pile interest on top of medical bills they can’t afford.
“Consumer complaints to the CFPB suggest that, rather than benefiting consumers, as claimed by the companies offering these products, these products in fact may cause confusion and hardship,” the report concluded. “Many people would be better off without these products.”
KFF Health News is a national newsroom that produces in-depth journalism about health issues and is one of the core operating programs at KFF—an independent source of health policy research, polling, and journalism. Learn more about KFF.Subscribe to KFF Health News' free Morning Briefing.
AI technology that monitors their flight patterns helps to ensure birds don't fly into turbines and get injure More at Reasons to be Cheerful ➜