Sunday, May 21, 2017

Easy to Be Hard by Three Dog Night

This song's lyrics keeps going through my head after the Missouri Legislative Session:

Easy to Be Hard from the musical Hair, covered by Three Dog Night

  "How can people be so heartless
   How can people be so cruel
Easy to be hard
Easy to be cold
How can people have no feelings
How can they ignore their friends
Easy to be proud
Easy to say no
Especially people who care about strangers
Who care about evil and social injustice
Do you only care about being proud
How about I need a friend, I need a friend
How can people be so heartless
You know I'm hung up on you
Easy to be proud
Easy to say no
Especially people who care about strangers
Who care about evil and social injustice
Do you only care about being proud
How about I need a friend, I need a friend
How can people be so heartless
How can people be so cruel
Easy to be proud, easy to say no
Easy to be gone, easy to say no
Come on, easy to get read
Easy to say no
But too easy to be cold
Easy to say no
But too easy to say no"
Songwriters: Galt Mac Dermot / Gerome Ragni / James Rado
Easy to Be Hard lyrics © Sony/ATV Music Publishing LLC

Thursday, May 4, 2017

Get Affordable, Great Health Insurance With Pre-existing Conditions

Do you need health insurance and you, like many others, have pre-existing conditions?  Screw Trump and Congress. Here is what you should do:

1.  Apply to be a "community" or "visiting" student at a college like the University of Missouri-Kansas City or whatever is local to you. No need for transcripts, etc. just get permission to take a course for credit. (I have taken the History of Rock and Roll, Physics for Non-Majors, and Women's Studies, Ancient Classic Literature, and in the fall, a photography class.)

2.  Enroll in the course. Take the class.  Make sure the college provides health insurance for domestic students.  An added benefit is learning new things. A three credit hour class costs about $1000 a semester at UMKC.  

3.  Sign up for domestic student health insurance. At UMKC it is with Aetna. You can sign up per semester, or on August 15, for a year. The annual cost is approximately $2500. The insurance is great, since most people in the group are 18-22 year olds. $4500 per year (a class for 2 semesters, plus the insurance) averages $375 per month, about half of what comparable insurance costs for me, a 64 year old, under Obamacare, assuming no government subsidy. 

The student health insurance for an older non-smoker ineligible for subsidies, like me, is much better than Obamacare, and cheaper, and not subject to political whimsy.  I paid less than $2500 for great health care coverage for an entire year, as compared to $800 per month with the ACA.  Check out the college of your choice. I bet you can find a good deal.