Thinking about my recent sleep study is giving me insomnia

I've known I had mild sleep apnea for a long time. It really doesn't take a high tech lab experiment. All it requires is a wife.

I was paying my own high quality, high deductible insurance for several years and put kept putting off getting it checked. As I recently acquired employer paid insurance, I headed off to the Doc like a fat boy waddling towards my fourth plate of food in an all-you-can-eat Ryan's buffet. And when the cashier overcharged me, I just pointed at the insurance company and said "Daddy's going to pay."

It was at this point I really realized who was at fault in our "health care dilemma." It isn't our doctors. It isn't those evil money grubbing insurance companies.

It's me.

And it's you. And since anecdotal evidence is nothing but a worthless way to drum up emotional support, let me give you a little...

I am no stranger to how apnea is managed. My dad has been using a CPAP for about as long as they've been around. And I did my research before I started. Sleep studies, while not cheap, seemed to be going for about $2000-$4000. (I even found a site that let you search by your zip code and narrow it down to a particular clinic.) The CPAP itself again isn't cheap, but it's easy enough to look online and see that they're about $1000 for a CPAP with all the bells and whistles. So we're talking this is a $5000 endeavor and I owe 20%. A grand. I can manage. No problem.

My initial consult with the Doc was pleasant. I felt assured when he told me after the initial exam "You aboslutely have apnea. But the silly insurance companies won't pay for the CPAP machine unless we do a sleep study." Remember this quote. I'll refer to it later.

Imagine my total and complete surprise when my insurance company was billed for almost $14,000 for the 2 night sleepover in the arctic sleep lab. (For that price, I'd think they could fix the thermostat! Had I been a tropical fish, I would have floated to the top of the tank.) Sure, Aetna was able to "bargain" the price down to a "more reasonable" $10,000 -- but even with insurance paying the customary 80%, my portion of the payments was about what the entire study would have cost in other sleep labs.

The medical equipment companies then enter, supply me with the wrong sized and miserable and almost unwearable mask... and a CPAP -- all billed to the insurance company piecemeal -- much like going to the parts counter and buying an entire car from Mr. Goodwrench one part at a time.

I am a unapologetic supporter of Capitalism and a long defender of the medical profession. I have spent countless hours arguing over the evils of government intervention and socialized medicine. This will not change. But let me assure you that if we want a government controlled monopoly over medicine, we are headed down exactly the right path. And it is our fault.

I live in a culture that will spend 3 months shopping every electronics store in a 4 county area to find exactly the right deal on a television. I live in a society that is always 20 minutes late for work in the morning, but will get up at 4 am to attend a black Friday sale the day after Thanksgiving. I live in a culture that shops at Sams and Costco, buying crate loads of toilet paper at rock bottom prices. I live in a culture that loves double coupons and Wal-Mart. And I live in a culture that accepts everything a doctor ever says without ever blinking to ask the price. I live in a culture that, when it comes to one's own health, will allow their employer to buy lowest-bidder, bottom-of-the barrel insurance to become their sole arbiter.

How the hell is it that we are such a consumer culture when it comes to iGizmos and widgets and fat-free yogurt and McAnything, but when it means something we just abdicate our consumer responsibility to the very people that are selling the service?

Now... just for melodrama: recall that quote from above... that the insurance company requires ten thousand dollars worth of tests... for a $1000 apparatus. And had I been a more thoughtful consumer, I would have realized that even the super expensive auto-adjusting CPAP machines cost less than my 20% out-of-pocket amount. It would have made more financial sense to stop at the initial consult and issue a machine with me shouldering 100% of the cost. As for me, I now will be asking upfront for the price -- when negotiation is still possible.

Sometimes further comment is not required.

This.

FSBO: Senator with low mileage

There seem to be an awful lot of people with a real bug up their ass over the latest Supreme Court decision to ban spending caps on campaign spending by corporations. And, while they have a real right to be angry, it is no surprise that they are mad for entirely the wrong reasons. Please notice the implication: It's okay that our government officials are for sale, the problem is just the price. This is akin to your wife telling you that it's okay to seek your jollies with a crack whore, but she's going to go ballistic on you if you visit a classy call girl. Personally, I think the problem isn't the price paid, it's the whole idea that government officials are for sale in the first place.

And, of course, the anger is directed towards those wicked, awful, evil corporations that have put a leash on our politicians... all the while forgetting that corporations don't quite have a monopoly on buying politics. Organized labor, environmentalists and a whole host of other traditional "lefties" all have made plenty of bids on DC-Bay.com. And remember, even the most "earth friendly" environmental lobby has someone behind it trying to pocket millions off their political investment. Al Gore and T. Boone Pickens are sure to profit if they can craft the laws in a way to give themselves the upper hand over any possible competitor.

And isn't it funny... In general, the people that are really, really angry over this issue... are historically the same group of people that have very loose interpretations of "general welfare" and "necessary and proper." But now that "general welfare" seems a little dangerous to them -- now the concept of a corporate influenced electorate seems like a really bad idea. Well, maybe, just maybe, a wild, wild west interpretation of "do whatever you seem fit" is a bad idea no matter what.

While bailouts of AIG were pushed by the idiots on the right as payback for political pull, the bailouts of GM were pushed by the idiots from the left for the same reasons. And, while I am certainly no fan of having my senator having NASCAR-esque stickers all over his expensive Italian suit, there is some room to play devil's advocate for those wicked corporations. Those corporations are treated by our government as a person: they are taxed and they can be sued. Yet, unlike a person, they don't get a vote. Is it no wonder, as governmental control over them morphs and grows, that they might want a say in what next year's political climate might look like?

I have an exceedingly odd way to solve this issue... and it doesn't involve putting a cap on spending at all. Instead, and stick with me here because this is just way out there weird... Instead why don't we draw up some document that limits exactly what those elected officials can do. We'll be very explicit and only give a few enumerated bullet items and then say everything else is off limits. Let's call it a Constitution. Let Goldman Sachs shell out $40 billion dollars to sway an election. If they can influence where some new post roads are built or maybe push a Senator to start an anti-pirate campaign... well, let them.

Resolutions per Minute

Ah, the new year. A time for reflection. A time for planning. A time for resolutions. I have never been much of a resolution kind of guy -- resolutions are not easy when you are perfect in every way. But this year is different. This year gets one: I resolve to spend next new year's eve with Ellie May in our very own kitchen.

There is a whole lot implied in that statement and if you follow this blog at all you can just skip ahead.

The implication, of course, is that after 3 and a half years, it is about time to move out of my unabomber tool shed and into a real honest-to-goodness house. And it's not that I begrudge a day in the shed. I am more than confident that I will look back to the pretired days in the tool shed as some of the best times. It's just that Ellie deserves her kitchen.

Again, if you have followed along, you mostly know how I got here. And in the spirit of how I got here it will also be how I plan to move forward: without debt.

That's right, the plan is to build a house in a Dave Ramsey/Thomas Stanley-esque sort of way -- cash flowing most (if not all) of it as I go. I mean to do this both to prove to myself it can be done... and also in a way as a means to prove a point: With modest income and a low consumption lifestyle, you can retire rich. And it's more about the choices you make along the way than it is anything else. If you're under 30 -- hell, if you're under 40 -- it is totally doable starting right damn now. I dare you.

Airline Security Problems Solved

Okay, so one asshole tries to blow up an airplane with a pants bomb... Knee jerk reaction in three-two-one...

Ohmygodweneednewrulesnoworwearegoingtodie!

The following new rules are now being added during the last hour of flight:

• no books or personal items
• no items under the seat in front of you
• no blankets or items in your laps
• no bathroom
• no television or position indicators

The implication here is that as long as no one blows up a bomb in the last hour of flight, we're all safe, so go ahead, blow it up in the first 5 hours of flight -- the joke is on you!

How the hell does this help? As if someone with one of those time-detection devices (wristwatch) couldn't just figure out approximate time to detonate. Or someone could use one of those light osmosis membranes (windows) to look out and see what their position or altitude was. Or blow it up on the runway.... I just can't quite fathom why the last hour of flight is sacred for bomb detonation prevention. It's as if the feds are saying "We don't know what to do but we have to do something."

And if the shoe bomber made us all have to stand in line and take off our shoes... does the underwear bomber imply that now we need to stand in line and strip naked? And if someone packs a bomb in little balloons ala heroin smugglers... does that mean we all need exploratory surgery before boarding the plane?

The more likely reaction is that a bored, cold mass of cranky travelers with ruptured bladders that have recently been strip searched will revolt and take over the airplane out of pure frustration.

You want my solution? All passengers will be cryogenically frozen 6 months before the flight. They are stored naked in a warehouse for the 6 months to allow for delayed detonation possibilities. They should pass through a hyperbaric chamber to simulate altitude to allow for pressure based detonation. The actual shipment would be at a semi random time and date in the 6 month quarantine.