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The Thousand Dollar Physical

Cynthia Kraack Posted on by

For the past five years I relied on individual health insurance plans with high deductibles. A minor, in-office surgical procedure cost about $2,300 including lab work. I paid all the cost out of my pocket. The annual physical was covered as preventative care except I asked a couple of questions and those were coded as diagnostic and resulted in billings that I paid. In 2017 it appeared that each question was worth about $130.

This year I am in a more generous healthcare insurance setting and was cautious about asking questions at the annual physical. The explanation of benefits arrived this afternoon with a cool $1,042 charge. Holy cow! I’m not responsible for paying that amount, but am blown away that just the physician component could be so costly. Lab fees haven’t been posted yet. We’re talking five minutes of rooming by a CNA and about twenty minutes of physician time in a regular clinic setting. No technology or specialty care.

When your doctor tells you what immunizations need updating and suggests you go to the drugstore or a drop in clinic because they charge about half of what the medical practice will bill, that’s uncomfortable.

For all who are self-employed, under-employed, or employed in a small company with no insurance, these stories can be game changers. Unfortunately this isn’t a new story unless you are one of the thousands who have decided to start your own business. About 30% of the U.S. workforce are self-employed or work for someone who is according to the Pew Institute.

Have leaders in the healthcare world lost connection to reality? What percent of annual after tax income should an individual, or family, be expected to commit to basic healthcare?

The integrated healthcare delivery systems that grew out of giant mergers and acquisitions of physician groups were supposed to provide improved quality with greater efficiency. I worked in that sector during the first decade of consolidation. The thousand dollar physical suggests the experiment didn’t work.

 

 

 

 

 

 

 

 

 

 

Urinetown 2018

Cynthia Kraack Posted on by

When the building’s cool interior is a haven, a group of seven-year-olds act like adorable bunnies and a fourteen-year-old belts out “It’s a Privilege to Pee”,it has to be Urinetown in a summer children’s theater program. All those satirized themes about the legal system, capitalism, social irresponsibility, corporate greed and politics are chiseled down by kids to jokes about a pay toilet, decorating with toilet paper and empty paper rolls painted with slogans about pee and keeping the earth healthy.

The whole concept of a worldwide drought lasting two decades is even less funny in 2018 than when the play was first produced in 2001. By 2030, when the youngest of last night’s performers will be starting college, the United Nations predicts the world will only have 60% of the water it needs. With one in every ten United States watersheds already stressed, eleven cities in the United States may face the possibility of water scarcity by mid-century.

We can’t blame the situation on global warming alone. Populations are expanding dramatically which drives the demand for water. Regions in the United States have been fighting for years over access to water sources like the Great Lakes, the Mississippi River or the Colorado River watersheds. Manufacturers want unlimited and cheap water setting jobs today against conservation. Farmers don’t want their fertilizing and animal feeding processes limited. Other interests fight for irrigation to grow grass, flowers, home vegetable gardens. Water sports enthusiasts don’t want restrictions on swimming pools or boating.

There’s no easy answer to matching endless demand for a limited natural resource. There’s no competent governing body watching out for the future beyond their elected terms.

Officer Lockstock’s closing monologue predicts that access to remaining water without carefully thought out restrictions brought only doom to the town when the fragile river became diminished and polluted. I hope Mark Hollmann’s play has the storyline wrong.

 

Freedom of Speech

Cynthia Kraack Posted on by

Writers need readers. Simple enough. I’ve taken advantage of Facebook to boost postings and engage with new readers. I blog, both on my website and with other writers and bring links about those posts to Facebook. But I have become cautious about posting anything but easy thoughts on my website (cynthia@cynthiakraack.com).

All who have reacted in a civil manner to postings or photos are greatly appreciated. The hatemongers and brutes on Facebook are another experience. Respectful disagreement appears to have disappeared into rambling, often vulgar, statements that not only disagree but also add opinions about the supposed personality of the writer.  While blog responses can be prescreened, not so on Facebook.

I began my writing career as a journalist. People disagreed with editorial content and called or wrote letters. We also had a few cranky folks who would show up at the office. They weren’t fond of conversation, were more prone to raise their voice to tell you their thoughts, maybe with a few vulgarities, even pound on a desk. Sometimes we’d call a family member to help us out, a time or two we called the police. In general, people owned their opinions with names and addresses on letters or by talking face to face. We didn’t deal with people hiding behind threatening screen names. We never expected to be harmed, stalked, or killed.

It is a different time. While holding the right to free speech dearly, I am perplexed about how to deal with the verbally abusive responders. At this point I hide their comments. I hear from others that this is part of today’s communication and just not pay attention to what is ugly. Unfortunately I can’t forget.

What’s your experience and do you have any advice?

Ken Follett, Jodi Picoult and Phillipa Gregory

Cynthia Kraack Posted on by

Under my desk a hardbound copy of Ken Follett’s Edge of Eternity acts as the perfect footrest. The first two volumes of The Century Trilogy were placed in the hands of other readers, but the Edge of Eternity replaced Bill Clinton’s My Life when a friend asked for that biography.

Jodi Picoult dominated one of the seven shelves of books in my office until some of her titles were rotated to guest rooms or the basement bookcase. Phillipa Gregory had been sent to my mother-in-law to be shared among her Indiana reading group.

Some authors are like Facebook friends who post about a puppy, a grandchild, a new writing project, a spectacular vacation then disappear for months. I trust a short list of these writers with my time and attention without a lot more expectations. When they have a new release I’ll invest in the real thing, a hardcover or paperback, not an e-book. If I’m disappointed I’ll give them another chance to regain their favorite reads position. And if one of them passes, I feel sad that their voice is gone.

At this time of the year when purging season is high I admit that books by these three have been shuffled into a bag for recycling at The Peninsula Bookman. Peter Sloma has customers who look for these popular names. It’s a fair trade. I get store credit to shop and my books go home with happy readers.

Except for Edge of Eternity, which is just the right height for when I’m sitting up straight and working on my own writing. It might be time for Fall of Giants to give up its shelf space, but not its nice hardbound friend under my feet.

Local Author Fair 2017

Cynthia Kraack Posted on by

What could be more fun than holiday gift or winter reading shopping at event featuring 30 local authors chosen by librarians and readers? Please come join us at the Local Author Fair 2017 on Saturday, November 18, noon to 4 p.m. at the Galaxie Library in Apple Valley, MN.

Laurie Hertzel, book journalist and editor at the Minneapolis Star Tribune, is the keynote speaker. The Loft Literary Center will conduct two free workshops.

Books, speakers, networking….a grand afternoon.

Kindle topping pile of books

Kindle topping pile of books

Revisionism III

Cynthia Kraack Posted on by

On a sunny, genuine Door County fall morning the house is filled with six writers on retreat. Outside trees are rustling in a definite breeze while inside the furnace and the dog provide the noise. It is a wonderful gift to be surrounded by writers and given two solid days to work.

Everyone in this group is in a committed relationship and our spouses or partners are supportive of our creative work. But here we can indulge in a twenty-minute discussion of word count without feeling kind of dorky. And we can be supportive of a writer who is so eager to finish a work that he started before six this morning. Sitting right in the middle of people making coffee, getting a little breakfast, watching an amazing sunrise, he kept his fingers on the keys and his eyes on the screen as the words flowed. Awesome.

There is a smooth energy under the quiet like the subtle chocolate hints in Door County Brewing’s Polka King Porter. One or two of those were consumed last night while watching The Packers beat the Bears. That’s rowdy behavior for a mature group of creative introverts.

I’ve put Inky aside this morning to concentrate on a final review of a short story bound for competition. In the arts rejection is the norm and one came in via email as I began working. A handful of successful writers I consider mentors have told me that they do over one hundred submissions a quarter for a handful of published stories. My counts are puny on that scale.

Today or tomorrow I’ll begin working my novel’s revision plan. Wednesday I shared the work’s graphic and background information produced in the first days of work to a person interested in starting his first novel. Being a part of Write On, Door County has opened the gates for these kind of discussions at the most unexpected times.

This is community. Six writers working on an unknown number of stories in the parts of a house made for this kind of gathering.

Revisionism II

Cynthia Kraack Posted on by

The Autumn Equinox began in Door County with high temperatures. One month ago eighty-five degrees would have lured us to a beach, a farmers’ market, a family outing. Sunday I carried cold water and a first draft of the new book to the deck and began reading and making notes. Revision launched.

I like my protagonist. A new working title is needed, but her name is fine. With that done there is no reason to delete subtle references that generated the existing title. A new working title is brewing.

The read through is going well and the next steps are coming into vision. By end of today clean manuscript needs to be produced with prior revisions inserted, a few sections moved and basic fixes handled like correcting names or locations. When that is done, a twenty-word blurb about why this book is important is the next key assignment.

Heading back to the deck. As the last day of heat makes work outside possible that is where I’ll be. What’s the big deal about working outside? For many years I felt tethered to my desk. I couldn’t write without music, without a footrest, without a whole lot of false comforts. It’s great to be beyond that set of restrictions.

Leaves are falling, the breeze is increasing and wasps come out in the afternoon. No time to goof off. Four days remaining in solo time.

Revisionism

Cynthia Kraack Posted on by

Two days ago I wrestled the very rough first draft of my next speculative fiction work into a set of graphs. It’s hard to know if the book has been playing in my subconscious since, or if I’m merely procrastinating about printing the entire manuscript, grabbing sticky notes and markers, and getting to work.

There are excuses. My left thumb hurts. I had a board meeting that required prep. The weather is wrong. My desk is messy. Our President is in a name calling spat with an unstable nuclear player.

Reality is I’m having difficulty nailing down one descriptive paragraph about the book. I have a Joan of Arc character battling power brokers in a not so distant future to restore individual’s right to determine their life direction. And there are gender issues and socio economic issues and geographical challenges.

Then there is a sneaking sense that the title may have political correction challenges. I like the title. The book grew out of a short story with the same title and is reflective of the protagonist’s struggle. If I change the title the protagonist’s name and part of her story needs revision. I place naming a book as somewhere between the importance of naming a baby and a family pet. Since publishers like to change book titles, my time fretting about this concern falls behind my sore left thumb.

Blogging is as good distraction. Away from family and friends for a week I am doing what I said was important—writing. Check back for reports on the revision work. Maybe the thumb will improve.

Redemption

Cynthia Kraack Posted on by

I’ve been revising a story about a military drone designer’s gradual decision to leave his job. Themes of redemption play through the second half of the narrative.

Rē’ dem(p)SH(e)n/  noun
  1. the action of saving or being saved from sin, error, or evil.
  2. the action of regaining or gaining possession of something in exchange for payment, or clearing a debt.

On a spectacular summer morning redemption at many levels could be possible. The country will come back from the brink of constitutional mayhem and inexcusable narcissism. I’ll reconnect a relationship that has faltered. The dog will stop chewing his toenails. Kiss and make up. A gift to right a slight. A hug to heal separation. A simple prayer of thanksgiving.

Every student attending Marquette University was required to take a course called “God and Man” when I was a student. The Jesuits demanded we think about the bigger question of why we exist as well as complete a degree. I don’t remember a lot of guidelines in pushing beyond vacation bible school or confirmation preparation. The course was tough.

In an increasingly secular country we shy away from mention of believing in a force more powerful than those created by people. I believe that there is some central spiritual source that provides me with freedom and responsibility to make decisions. I am a complex human being, far more than a Social Security number or data point

The character in this short story does not exist by my terms. For three years his existential crisis has not had found a sound fictional answer that I am willing to accept. So I’ve given myself a deadline to finish the relationship and call the story complete. No kiss and make up. More of a figure it out buddy or kiss off. This character may not experience sweet redemption, but he has been interesting to have in my fictional neighborhood.

 

 

 

 

Of What We Remember

Cynthia Kraack Posted on by

In decades past, around ten in the morning on Memorial Day, the veterans of foreign wars marched down Main Street in our small town with the high school band, tractors from the local implement dealer, the mayor in a convertible, the Knights of Columbus and enough other groups to call the gathering a parade. Many came in from the surrounding farms to line the streets then follow the marchers to the fairgrounds for a town picnic.

That’s the belief system I in which grew up. The Vietnam War tested Memorial Day. Vietnam vets weren’t welcome in the feel good ceremonies. VFW posts frequently didn’t allow Vietnam vets membership for all kinds of sad reasons. Vietnam vets changed from their uniforms to street clothes before leaving the airport at discharge, were spat at on the street by anti-war protesters who confused fellow citizens with policy makers, were let go from jobs by ignorant folks who called them wicked names.

One Memorial Day weekend my employer sent me to a national editorial association meeting in New Orleans. I was young and excited about the trip, but also sad about missing our traditional holiday gathering. I asked another attendee why the conference had been scheduled on this weekend. Southern born she gave me a sixty- second history of how her family considered Memorial Day a Yankee holiday to rub defeat in the faces of Confederate states.

There have always been divisions in this large nation. Sometimes the schism is about human rights, sometimes about policies too onerous for one large group of people to accept, often about disparity in the quality of the illusive American Experience. Television was blamed for delivering the Vietnam War to families’ living rooms and for pushing the curtains back on civil injustice. Social media has the praise or curses for changing the tone of political discourse today.

What do we remember on Memorial Day?

When veterans were asked to stand during the St. Paul Saints baseball game yesterday I felt the same quiet tears begin that I’ve experienced since September 11, 2001. Old and young, male and female, they raised a hand. Shoulders were set, chests puffed, heads held proud. Rightfully so.

It would be comforting to believe these brave citizens could continue to protect our country against divisiveness within, sinking respect abroad, and the powerful war weapons of nuclear devices, digital mayhem, and men greedy for their own power.

“Life played a giant joke on those of us living unassuming lifestyles twenty years ago. When the men who played with power ordered those who played with destruction to send out their weapons, billions suffered.” — Minnesota Cold

I say that I write speculative fiction to deal with what I fear about the future. Minnesota Cold was written ten years ago about a time ten years from now.

If only everyone from Washington, D.C. to the people living in our neighborhoods can remember what we hold in common, find our way to shaking hands, and talking about a common future over a plate of picnic foods. On Memorial Day, we could honor the sacrifices of the past by building for a better future.