Walking In Wisdom

Loss of Freedom thru Health Care

Dr. Jamie Mitchell — Wed, 24 Mar 2010 14:45:16 GMT

David Hogberg wrote an incredible article on the actual impact the Health care bill will have on our liberties....

20 Ways ObamaCare Will Take Away Our Freedoms

By David Hogberg

With House Democrats poised to pass the Senate health care bill with some reconciliation changes later today, it is worthwhile to take a comprehensive look at the freedoms we will lose.

Of course, the overhaul is supposed to provide us with security. But it will result in skyrocketing insurance costs and physicians leaving the field in droves, making it harder to afford and find medical care. We may be about to live Benjamin Franklin’s adage, “People willing to trade their freedom for temporary security deserve neither and will lose both.”

The sections described below are taken from HR 3590 as agreed to by the Senate and from the reconciliation bill as displayed by the Rules Committee.

1. You are young and don’t want health insurance? You are starting up a small business and need to minimize expenses, and one way to do that is to forego health insurance? Tough. You have to pay $750 annually for the “privilege.” (Section 1501)

2. You are young and healthy and want to pay for insurance that reflects that status? Tough. You’ll have to pay for premiums that cover not only you, but also the guy who smokes three packs a day, drink a gallon of whiskey and eats chicken fat off the floor. That’s because insurance companies will no longer be able to underwrite on the basis of a person’s health status. (Section 2701).

3. You would like to pay less in premiums by buying insurance with lifetime or annual limits on coverage? Tough. Health insurers will no longer be able to offer such policies, even if that is what customers prefer. (Section 2711).

4. Think you’d like a policy that is cheaper because it doesn’t cover preventive care or requires cost-sharing for such care? Tough. Health insurers will no longer be able to offer policies that do not cover preventive services or offer them with cost-sharing, even if that’s what the customer wants. (Section 2712).

5. You are an employer and you would like to offer coverage that doesn’t allow your employees’ slacker children to stay on the policy until age 26? Tough. (Section 2714).

6. You must buy a policy that covers ambulatory patient services, emergency services, hospitalization, maternity and newborn care, mental health and substance use disorder services, including behavioral health treatment; prescription drugs; rehabilitative and habilitative services and devices; laboratory services; preventive and wellness services; chronic disease management; and pediatric services, including oral and vision care.

You’re a single guy without children? Tough, your policy must cover pediatric services. You’re a woman who can’t have children? Tough, your policy must cover maternity services. You’re a teetotaler? Tough, your policy must cover substance abuse treatment. (Add your own violation of personal freedom here.) (Section 1302).

7. Do you want a plan with lots of cost-sharing and low premiums? Well, the best you can do is a “Bronze plan,” which has benefits that provide benefits that are actuarially equivalent to 60% of the full actuarial value of the benefits provided under the plan. Anything lower than that, tough. (Section 1302 (d) (1) (A))

8. You are an employer in the small-group insurance market and you’d like to offer policies with deductibles higher than $2,000 for individuals and $4,000 for families? Tough. (Section 1302 (c) (2) (A).

9. If you are a large employer (defined as at least 50 employees) and you do not want to provide health insurance to your employee, then you will pay a $750 fine per employee (It could be $2,000 to $3,000 under the reconciliation changes). Think you know how to better spend that money? Tough. (Section 1513).

10. You are an employer who offers health flexible spending arrangements and your employees want to deduct more than $2,500 from their salaries for it? Sorry, can’t do that. (Section 9005 (i)).

11. If you are a physician and you don’t want the government looking over your shoulder? Tough. The Secretary of Health and Human Services is authorized to use your claims data to issue you reports that measure the resources you use, provide information on the quality of care you provide, and compare the resources you use to those used by other physicians. Of course, this will all be just for informational purposes. It’s not like the government will ever use it to intervene in your practice and patients’ care. Of course not. (Section 3003 (i))

12. If you are a physician and you want to own your own hospital, you must be an owner and have a “Medicare provider agreement” by Feb. 1, 2010. (Dec. 31, 2010 in the reconciliation changes.) If you didn’t have those by then, you are out of luck. (Section 6001 (i) (1) (A))

13. If you are a physician owner and you want to expand your hospital? Well, you can’t (Section 6001 (i) (1) (B). Unless, it is located in a country where, over the last five years, population growth has been 150% of what it has been in the state (Section 6601 (i) (3) ( E)). And then you cannot increase your capacity by more than 200% (Section 6001 (i) (3) (C)).

14. You are a health insurer and you want to raise premiums to meet costs? Well, if that increase is deemed “unreasonable” by the Secretary of Health and Human Services it will be subject to review and can be denied. (Section 1003)

15. The government will extract a fee of $2.3 billion annually from the pharmaceutical industry. If you are a pharmaceutical company what you will pay depends on the ratio of the number of brand-name drugs you sell to the total number of brand-name drugs sold in the U.S. So, if you sell 10% of the brand-name drugs in the U.S., what you pay will be 10% multiplied by $2.3 billion, or $230,000,000. (Under reconciliation, it starts at $2.55 billion, jumps to $3 billion in 2012, then to $3.5 billion in 2017 and $4.2 billion in 2018, before settling at $2.8 billion in 2019 (Section 1404)). Think you, as a pharmaceutical executive, know how to better use that money, say for research and development? Tough. (Section 9008 (b)).

16. The government will extract a fee of $2 billion annually from medical device makers. If you are a medical device maker what you will pay depends on your share of medical device sales in the U.S. So, if you sell 10% of the medical devices in the U.S., what you pay will be 10% multiplied by $2 billion, or $200,000,000. Think you, as a medical device maker, know how to better use that money, say for R&D? Tough. (Section 9009 (b)).

The reconciliation package turns that into a 2.9% excise tax for medical device makers. Think you, as a medical device maker, know how to better use that money, say for research and development? Tough. (Section 1405).

17. The government will extract a fee of $6.7 billion annually from insurance companies. If you are an insurer, what you will pay depends on your share of net premiums plus 200% of your administrative costs. So, if your net premiums and administrative costs are equal to 10% of the total, you will pay 10% of $6.7 billion, or $670,000,000. In the reconciliation bill, the fee will start at $8 billion in 2014, $11.3 billion in 2015, $1.9 billion in 2017, and $14.3 billion in 2018 (Section 1406).Think you, as an insurance executive, know how to better spend that money? Tough.(Section 9010 (b) (1) (A and B).)

18. If an insurance company board or its stockholders think the CEO is worth more than $500,000 in deferred compensation? Tough.(Section 9014).

19. You will have to pay an additional 0.5% payroll tax on any dollar you make over $250,000 if you file a joint return and $200,000 if you file an individual return. What? You think you know how to spend the money you earned better than the government? Tough. (Section 9015).

That amount will rise to a 3.8% tax if reconciliation passes. It will also apply to investment income, estates, and trusts. You think you know how to spend the money you earned better than the government? Like you need to ask. (Section 1402).

20. If you go for cosmetic surgery, you will pay an additional 5% tax on the cost of the procedure. Think you know how to spend that money you earned better than the government? Tough. (Section 9017).

Baggage: Forgiveness

Dr. Jamie Mitchell — Fri, 19 Mar 2010 17:19:58 GMT

This winter we have been doing a special series of messages called BAGGAGE. A couple of weeks ago we had a message on "Overcoming A Tough Upbringing." A part of the message was understanding forgiveness. Below is a great article from Ray Pritchard on forgiveness....

1) What is forgiveness?

The various biblical authors used a number of different Hebrew and Greek words to convey the concept of forgiveness. One word means “to blot out,” in the sense that God erases the record of the sins we commit. Another common Hebrew word means “to lift and carry away,” speaking of the complete removal of our sins from us, as if a heavy load had been lifted from our shoulders. Still another word means “to release from debt,” indicating the punishment for sin has been canceled. And one Greek word means “to show grace to one who has sinned greatly,” speaking of the undeserved nature of forgiveness. It is truly a gift from God. In their book Forgive and Love Again, John Nieder and Thomas Thompson (pp. 62-63) point out that the Bible uses at least 75 different word pictures of forgiveness. Here are a few of them:

� "To forgive is to turn the key, open the cell door, and let the prisoner walk free.”

� "To forgive is to write in large letters across a debt, ‘Nothing owed.’”

� "To forgive is to pound the gavel in a courtroom and declare, ‘Not guilty!’”

� "To forgive is to shoot an arrow so high and so far that it can never be found again.”

� "To forgive is to bundle up all the garbage and trash and dispose of it, leaving the house clean and fresh.”

� "To forgive is to loose the moorings of a ship and release it into the open sea.”

� "To forgive is to grant a full pardon to a condemned criminal.”

� "To forgive is to relax a stranglehold on a wrestling opponent.”

� "To forgive is to sandblast a wall of graffiti, leaving it looking like new.”

� "To forgive is to smash a clay pot into a thousand pieces so it can never be pieced together again.”

� "Or think of yourself as a banker. In your hand is a note detailing a huge debt owed to you. What debts of others does your note list? Slander? Fraud? Rape? You carefully take the note and look at it once more. But instead of putting it back in the file, you tear it into a thousand pieces. That’s forgiveness.”

� "When we forgive, we consciously, before God, cancel the debt. We discard the note. We pardon the prisoner. We release the offender.”

Perhaps it will help to remind ourselves what forgiveness does not mean. It is not …

Denying the evil that was done.

Excusing sinful behavior.

Pretending it never happened.

Glossing over the pain you suffered.

Removing all consequences for wrong behavior.

Overlooking criminal behavior.

Approving of evil

Condoning abuse.

Acting as if the sin never happened.

Letting others continually abuse you.

Pretending you weren’t hurt.

Forgiveness is not the same thing as reconciliation or restoration. And it’s not a magic trick that we use to force others to become our friend again. It’s not a tool to manipulate others into confessing what they did that hurt us so greatly.

What, then, is forgiveness? The most important thing I can say (perhaps the most important sentence in this sermon) is that forgiveness is a choice, not a feeling. God never says, “Forgive them if you feel like it.” Forgiveness is not about your feelings. If you have been deeply hurt, you will probably never “feel” like forgiving someone. Forgiveness is a choice, a decision you make in your heart. It is a choice to release others from their sins against you. That’s why I Corinthians 13:5 tells us that love keeps no record of wrongs. Forgiveness means letting go of the anger and the desire for revenge. Seen in its true light, forgiveness is an act of mercy toward the offender. Sometimes we hear people say, “He doesn’t deserve to be forgiven.” Of course he doesn’t. No one “deserves” forgiveness. Forgiveness isn’t earned, and if a person could “earn” forgiveness, he wouldn’t need it in the first place. It is a gift of mercy that you give to someone who has hurt you. But note this qualifier: The gift is given to the other person but it remains between you and God. The other person may never know about it. When you forgive, God knows and you know, and that’s all that matters. And the end result is a change in the way you feel and act toward that other person.

A friend wrote and said, “I’m looking for fairness but can’t seem to find it.” And you won’t find it because forgiveness is not about fairness, it’s about grace.

2) How do I know when I have truly forgiven?

Here is my simple answer to this question. You know you have forgiven when you …

A. no longer think about it day and night,

B. no longer have to talk about it all the time,

C. no longer feel the need to seek revenge,

D. no longer live in bitterness and anger,

E. can recall those who hurt you and can wish them well.

3) Is forgiveness an event or a process?

The answer is yes. It is both an event in the sense that you must at some point decide to forgive. And it is a process that often must be repeated over time. I spoke with a woman whose husband abandoned her for a younger woman, leaving her with a very young child to raise. As she told me the story, she said, “I guess I’ve forgiven him a million times. I forgive him over and over again every day.” “You’ll probably have to forgive him a million more times before it’s over,” I replied. That may not seem like a word of hope, but in fact it is. Remember, forgiveness isn’t a tool for manipulating people into having a good relationship with you. No one can force another person to be reconciled. That must come from a heart prompted by God’s Holy Spirit. When it comes down to it, there are two very good reasons to forgive that have nothing to do with the other person:

A. You should forgive because God has commanded it.

B. You should forgive because forgiveness is good for your own soul.

Any other benefits are like ice cream added to a piece of apple pie—nice but not necessary. We should practice forgiveness for God’s sake and for our own sake. That ought to be enough to motivate any of us.

4) Does forgiveness always lead to reconciliation?

The answer is no. Forgiveness is one thing; reconciliation is something else. Reconciliation requires forgiveness, but forgiveness does not demand reconciliation. Forgiveness depends on you. Reconciliation depends on you plus the other person. It implies confession, repentance, forgiveness, restoration of trust, and the passage of time plus a mutual desire to reconcile. Often it is not possible; sometimes it is not wise.

5) What about the person who says, “I can forgive but I can’t forget?”

This is a very common problem and a very common statement. I must confess that I have changed my answer to this question over the years. If you go back and listen to my sermon tapes on forgiveness from a few years ago, you will hear me say something like, “If you haven’t forgotten, you haven’t forgiven.” I’m smiling as I write these words because that statement is so obviously wrong I wonder what made me ever think that way. But, then, I do know why I said that. We all understand that God “forgets” our sins when he blots them out, puts them behind his back, and casts them into the depth of the sea. He can “forget” our sins because he’s God and has the power to do things like that. But we’re not God, and our painful memories often return to haunt us.

In pondering this problem, my mind ran to a scripture in the book of Hebrews that speaks of God’s forgiveness of our sins. Surely if we have trouble forgetting, what about God who never forgets anything? Hebrew 10:17 quotes God as saying, “Their sins and their lawless acts I will remember no more.” Underline that last phrase, “I will remember no more.” God’s forgiveness means He chooses not to remember our sins.

That’s helpful, isn’t it? Forgiveness is a choice we make. It is not a feeling or a mood or a passing notion. Forgiveness does not mean we somehow wipe out of our mind the record of what happened. Forgiveness means we choose not to remember it. There is a big difference between remembering something and dwelling on it. We can all remember (if we try hard enough) things in the past that have hurt us deeply. Forgiveness means we choose not to dwell on those things. It also means we choose not to hold a grudge against someone who has wronged us. Clara Barton, founder of the Red Cross, was talking with a friend one day. The name of a person they both knew came up. Years before that person had done some very mean things to Clara. The friend asked Barton, “Don’t you remember when she did that to you?” “No,” she replied, “I distinctly remember forgetting that.”

6) Do I need to tell the person, “I forgive you?”

The answer is, not necessarily. Obviously if they ask for forgiveness, and if you intend to forgive them, then of course you should say, “I forgive you.” But I’m thinking about those times when we are hurt by the thoughtless comments and unkind actions of others. Most of the time it isn’t helpful to say, “I forgive you.” About 90% of the time you end up picking a fight because the person says, “I didn’t do anything that needs to be forgiven.” It helps to remember that your forgiveness doesn’t depend on them. You don’t need their permission to forgive them. You don’t need their agreement that they were wrong. Just forgive them. Choose forgiveness in your heart. And then move on with your life.

7) How do you forgive if they do not confess?

The last answer brings us to the heart of the matter. How do you—how can you—forgive those who do not—will not—cannot—own up to what they did? If they don’t ask for forgiveness, how can you forgive them? I pause to comment that this is a painful problem for many people because we live in a cruel world filled with mean people. There are folks out there who will stomp on your face and walk away laughing. And they’ll do it again and laugh again. You may work with someone like that. You may be married to someone like that. You may have had a relative who sexually abused you and has never admitted it. How do you forgive someone who has died? What about people who have moved out of your life and you have no way to confront them? You may not even know their name or where they live. What does it mean to forgive in that situation?

Writing over 400 years ago, John Calvin addressed this very question by saying there are two kinds of forgiveness. The first is the kind where the person who did the wrong admits it, comes to you asking for forgiveness, you grant it and the relationship is restored. That’s the best kind. That’s the ideal. There is confession, forgiveness, reconciliation and healing. Unfortunately, in this fallen world the ideal is not always possible. Sometimes people who have wronged us will not admit their guilt no matter what we do. In fact, sometimes they will lie to cover up the truth. Sometimes they will cut off the relationship rather than face the hard work of reconciliation. Sometimes they will keep right on hurting us on purpose.

How can you forgive in a situation like that? Calvin said you can forgive even in that situation in the sense that you let go of your anger and bitterness and refuse to let the hurt dominate your own life. True, the relationship remains broken. It may never be healed. But you can choose not to remember the sins of others. You can choose to wipe the slate clean so that your life is free from bitterness. That’s not easy but it’s far better than living in the past nursing a wounded spirit. It’s also biblical for in this we have the example of Jesus himself who, when he hung on the cross, an innocent man put to death for crimes he did not commit, prayed, “Father, forgive them, for they do not know what they are doing” (Luke 23:34).

8) What about the feelings of anger that keep coming back?

One final question. How do we deal with the feelings of anger that keep coming back even after we forgive someone? That’s a fairly common problem, especially when we feel deeply and repeatedly mistreated. In one of her writings, Corrie Ten Boom tells of some Christian friends who wronged her in a public and malicious way. For many days, she was bitter and angry until she forgave them. But in the night she would wake up thinking about what they had done and get angry all over again. It seemed the memory would not go away. Help came in the form of a Lutheran pastor to whom she confessed her frustration after two sleepless weeks. He told her, “Corrie, up in the church tower is a bell that is rung by pulling on a rope. When the sexton pulls the rope, the bell peals out ding-dong, ding-dong. What happens if he doesn’t pull the rope again? Slowly the sound fades away. Forgiveness is like that. When we forgive someone, we take our hand off the rope. But if we’ve been tugging at our grievances for a long time, we mustn’t be surprised if the old angry thoughts keep coming for awhile. They’re just the ding-dongs of the old bell slowing down.”

So it’s not surprising if after forgiveness, for a while the memories keep coming back. If you refuse to dwell on them, slowly they will fade away. Why? When you forgive, you let go of the rope and the force is gone out of your anger.

A Miracle of God

That brings me back to the original question. Is total forgiveness realistic? On a purely human level, the answer is no. In our own strength, we will never be able to forgive others as God forgives us—completely, absolutely, freely, immediately, graciously, with no strings attached. As long as we live on the human level, total forgiveness will be beyond our grasp. But once we bring God into the picture, everything changes because with God, all things are possible.

On the supernatural level, total forgiveness is not only realistic, it’s the “supernatural” way of life. Forgiveness is nothing less than a miracle of God. It is a miracle we receive the moment we put our trust in Jesus Christ. And it is a miracle we give to others when in Jesus’ name, by his power and for his sake, we forgive those who sin against us.

“Without forgiveness, there is no future.” So said Archbishop Desmond Tutu. His words ring true because they are based on the truth of God. Without forgiveness, there is no future, no freedom, no hope and no healing. But where there is forgiveness, there is grace and mercy and a future as bright as the promises of God

Five Distortions of the Gospel

Dr. Jamie Mitchell — Wed, 10 Mar 2010 14:11:20 GMT

One of my favorite preachers is James MacDonald. From his Straight Up blog, he shared this:

My oldest son, Luke, sent me a link the other day that quoted A.W. Tozer and James Kennedy (both wonderful Christian leaders in their day). Both men believed that many, if not most, professing believers they encountered around the country were not actually saved. They were deeply troubled by the distortions of the gospel that were the result of trying to get the gospel to more people. Well intentioned yes, but eternally dangerous for the souls of men and woman who had not heard the whole message. The article prompted me to look back in my file for something I remembered writing a while back. Here it is . . . What gospel have you heard and believed?

Five Distortions of the Gospel in Our Day

1) The Cake Mix Gospel: if we leave out key ingredients our souls will never “rise” to God. We don’t need the message reduced to some irreducible elements, we need the whole gospel. You don’t expect your car to run without all the parts. You don’t expect your body to function without all the organs working properly. You don’t expect a cake to taste right if it’s rushed and readied without the right ingredients. The gospel without repentance is not the gospel. Acts 18:26, “And he [Apollos] began to speak out boldly in the synagogue. But when Priscilla and Aquila heard him, they took him aside and explained to him the way of God more accurately.”

2) The Cultural Gospel: Skip the postmodern sales job and go for the heart where human need never changes. Understanding the ‘culture’ is much less important than knowing what the Bible says about every human heart separated from God. We don’t need slick sales people giving out the gospel. We need bold, Spirit-filled messengers with a deep heart of compassion for lost people. The gospel without authoritative/binding truth is not the gospel. Acts 17:30, “In the past God overlooked such ignorance, but now he commands all people everywhere to repent.”

3) The Cool Gospel: Jesus transcends fashion trends. Marketing Jesus is cheap and powerless. We don’t need to ’spin’ the message we need to say it. We need to stop shaping Jesus in some misguided effort to make Him appealing. Jesus doesn’t need to be like us; we need to be like Him. The gospel wrapped in stylistic packaging is not the gospel. Revelation 3:17 “Because you say, ‘I am rich, and have become wealthy, and have need of nothing,’ and you do not know that you are wretched and miserable and poor and blind and naked.”

4) The Carnal Gospel: What Jesus can do for me: health, wealth, always happy, never hurting? Jesus solves those issues, but not the way we may think. He’ll change what you want a lot more than what you have. The selfish gospel that promises things Jesus doesn’t promise is a lie and is sentencing the lost who listen to a shocking surprise in eternity. The gospel of “me before Jesus” is not the gospel. Mark 8:35 “For whoever wishes to save his life will lose it, but whoever loses his life for My sake and the gospel’s will save it.”

5) The Careful Gospel: Let’s not upset anybody, just keep ‘em comfortable and coming back, There’s lots of time for folks to figure it out. The gospel of “get them to church, and in time everything will come together as long as we don’t offend them” is a dangerous gospel. Well intentioned is not enough. The gospel without urgency is not the gospel. 2 Corinthians 6:2, “Behold, now is “THE ACCEPTABLE TIME,” behold, now is “THE DAY OF SALVATION.”

Do you understand the implications of a distorted gospel? What horror to imagine many people thinking they are ready to meet God only to find out they never were because they believed a distorted gospel. Matthew 7 predicts just a scene of shocking surprise. Matthew 7:22-23, “Many will say to Me on that day, ‘Lord, Lord, did we not prophesy in Your name, and in Your name cast out demons, and in Your name perform many miracles?’ And then I will declare to them, ‘I never knew you; DEPART FROM ME, YOU WHO PRACTICE LAWLESSNESS.’ Therefore everyone who hears these words of Mine, and acts upon them, may be compared to a wise man, who built his house upon the rock.”