Essay children should not given pocket money - what is a thesis statement in a rhetorical analysis


 

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essay children should not given pocket money

essay children should not given pocket moneyEssay children should not given pocket money -And membership of health care sharing ministries has seen explosive growth since the passage of the ACA in 2010.“I love the idea of sharing each other's burdens and helping each other out,” Erik said.A spiritual director in Colorado, Owens suffered a heart attack in April 2010.They were able to negotiate Zain’s bloodwork costs down to about $3,000, and worked out a payment plan with the hospital.Monthly costs for health care sharing ministries vary, but are relatively low: A two-person family pays $440 per month with Samaritan Ministries and a family of three or more pays $495.Joel Noble, Samaritan Ministries' director of public policy and the vice president of the Alliance of Health Care Sharing Ministries, told me that its three member ministries (Samaritan Ministries, Medi-Share, and Christian Healthcare Ministries) have a total membership of just under 900,000 individuals, up from about 565,000 in February 2016.According to its guidelines, Samaritan, like other health care sharing ministries, does not share in costs for “any physical condition which the adopted child has prior to the adopted parent being legally responsible for the child’s expenses.” Essentially, all conditions an adopted child has prior to adoption are considered pre-existing.Shares out are published by the ministries each month, so you can see that your $405 is going to, say, Irene in Idaho who recently had a hip replacement.Samaritan Ministries (in Illinois), Christian Healthcare Ministries (in Ohio), and Medi-Share (in Florida) are the three large evangelical operations.“There was a whole family, six kids or so, and the parents had let the kids make a little card. We also get these notes from people that say, ‘Hey, we’re happy to be able to share in your medical need for the month.’”Brandon Jones, a 38-year-old pastor from rural Herreid, South Dakota, agrees.They flew to Ethiopia in November 2010 to meet Zain, and then waited six weeks in Addis Ababa for all the visa paperwork to go through in the US before they were allowed to bring him home, when he was 7 months old. Being adopted was akin to a pre-existing condition.For Becky Boggs, a retired administrative assistant who lives in Lincoln, Illinois, that made all the difference. “I wasn’t working and my husband was working at a church and he wasn’t making a ton of money. It seems to me, in some ways, like a really well-kept secret.”These ministries are generally much smaller than the biggest insurance corporations, and operate as nonprofits.Liberty’s is the broadest, and could theoretically be signed by people of varying religious backgrounds, but the others are fairly stringent.Sometimes they prayed for the recipient; sometimes they forgot.But there are significant differences between what insurance companies and sharing ministries are legally required to offer consumers.Samaritan was “so biblical,” Bet said, “an amazing way to show what the kingdom of God could look like.” But, she said, “it was missing this huge piece.”For Christians looking for a way to opt out of an expensive health insurance market that they see as profit-driven, intruding on their personal freedom, and indifferent (at best) to issues of abortion and the sanctity of life, health care sharing ministries may seem like the perfect, providential solution.They don’t cover everything traditional insurance would; the cost of prescriptions and preventive care is rarely shared, and lifetime caps mean that sharing won’t go beyond a certain amount per illness, usually between $125,000 and $250,000, unless a member joins a “catastrophic savings” program.When I visited, it was early March, that time of year in the Midwest when you can wake up to a 70-degree day or to snow.So, for some families, these ministries represent enormous savings — or seem to.Some people simply didn’t like feeling compelled by the government to purchase insurance.essay children should not given pocket money“She was so far into her diagnosis that there was not much that traditional chemo by itself would offer,” he told me.When a need arises — say you break your leg, or get diagnosed with lung cancer, or have a baby — you submit your bills to the ministry’s office and you receive payments for the total amount you owe, usually in the form of checks or direct deposits from various members.The Olsons’ children, Zain, 7, and Tesfa, 6 — Tess for short — had just gotten home from school and were playing in the sunroom at the front of the house.Most health care sharing ministries were born out of tragedy and frustration with the health care system in the US.I soaked up every word.”Nearly 20 years later, Bet and her husband, Erik, live in a small green house on a quiet road in Elgin, Illinois.Bet, who was raised in a Christian family outside Chicago, was attending a youth group service at Willow Creek Community Church, a megachurch in South Barrington, Illinois. “He talked about how the story that God has for his people is to adopt them as his own,” Bet recalls.“At the end of that I felt like I was supposed to be helping other people find a sustainable way that we can do health care, where people are taking care of each other,” he said.Outside of an incident where Erik broke his toe, Bet and Erik never submitted a need for themselves.A Gold membership in Christian Healthcare Ministries costs $450 a month for a family, one dollar more than a family pays for a Complete membership with Liberty Health Share.All ministries require members to sign statements of faith.“For the longest time we had two pictures, and we would just look at those two pictures and we just fell in love with this kid,” Erik said. Because the Olsons were members of a Christian health care sharing ministry, rather than a traditional insurance plan, some of Zain’s health care costs wouldn’t be covered the way a biological child’s would.There, we can see that a young family of five making a combined annual income of $80,000 in Cleveland would pay $608 per month in premiums; the same family making $120,000 in San Francisco would pay $1,450 per month.Many require regular church attendance, and Samaritan Ministries requires the signature of a pastor or church leader attesting that prospective members meet all requirements.Had the Olsons adopted a child with Down syndrome, or a neurological disorder, they would have incurred all the costs related to living with that condition. But Bet and Erik took him to the doctor for a general checkup when they arrived home, and as a precaution the pediatrician ordered a panel of blood tests recommended for international adoptees by the University of Minnesota.Solidarity Health Share, founded in 2015, is Catholic, and partnered with another Mennonite aid group in Ohio to be grandfathered into the ACA exemption for sharing ministries, which required that they exist before 1999.In a post about the ACA, one evangelical blogger wrote, “When we do not have the real freedom to choose if or how we want to spend our earnings and care for our own person and family, we are in bondage.” To people who feel similarly, health care sharing ministries present themselves as not only a feasible option, but a desirable alternative.The next month, her husband lost his job and they were soon left without insurance. “When I had the heart attack, I exercised every day, I didn’t have high blood pressure or cholesterol, there was no history [of heart conditions] in my family.” She and her husband had heard of health care sharing ministries and applied for membership in Medi-Share. Owens eventually got coverage through Colorado’s Rocky Mountain Health Plans, but the experience rankled.These ministries are attractive to consumers for a number of reasons, but the biggest draw is likely their affordability.Boggs likes that her monthly Samaritan payment goes directly to the person in need. Another big draw for ministries is that they don’t cover abortion or birth control, so members with ethical objections can be certain their money isn’t funding procedures or medication they don’t support. They might say ‘women’s services’ or ‘reproductive treatments’ or ‘birth control.’ The result is the same, no matter what they call it.” All five of the major health care sharing ministries — Samaritan, Medi-Share, Christian Healthcare Ministries, Solidarity Health Share, and Liberty Health Share — make explicit statements in their promotional material about not sharing in needs related to abortion.He talked about how he was adopted and what a difference that made in his life. essay children should not given pocket money Even through this disruption, the Olsons stayed with Samaritan, both because the price was right (around $350 per month for the two of them) and because they still believed in its mission.Some of their friends from church recommended Samaritan, which is based in Peoria; Bet and Erik looked into it, liked what they saw, and joined.Compared with insurance CEOs, that’s a drop in the bucket — in 2015, the CEOs of Aetna and Cigna both earned $17.3 million.“That means everyone’s going to say good things about me! Following a home study and over a year of waiting, they were matched with Zain in August 2010.Each month they wrote checks to the name Samaritan sent them.Medi-Share, the Florida-based ministry, has grown from 35,000 members in 2010 to more than 290,000 members in April 2017.But lobbying efforts earned them protected status under the Affordable Care Act, allowing their members to remain exempt from the individual insurance mandate the ACA established — provided that the ministries existed prior to 1999, underwent annual financial audits, and retained members even after they developed medical conditions.These ministries now legally satisfy the individual mandate of the 2010 Affordable Care Act, and have expanded rapidly since its passage.Bet Olson was 16 years old when she realized she wanted to adopt a child someday.Before Bet and Erik could bring Zain home, in 2010, they had to show proof of insurance coverage.Tess was talking about her kindergarten class, where she had just been named Kid of the Week. “People kept telling me I would change my mind” about adoption, Bet said. I felt so strongly that this was my calling.”Bet and Erik began the process of international adoption in 2008, after three years of marriage.But there are serious drawbacks lurking below the surface.The health care sharing ministry landscape is dominated by five major players with the largest memberships and highest revenue, spread across the country and across Christian denominations.“In general, these arrangements are not regulated as insurance, and they appear to embrace many of the discriminatory practices that health insurers used to employ against sick people and that the Affordable Care Act tried to eliminate,” said Kevin Lucia, a policy analyst and professor at Georgetown’s Center on Health Insurance Reforms.Samaritan Ministries saw its revenue increase exponentially, from $6.6 million in 2013 to over $34 million in 2015.The tests cost around $6,000, a sizeable portion of their annual income, and Erik and Bet set about submitting their need to Samaritan.A number of the people I spoke with in reporting this story had turned to online fundraising to cover expenses that traditional insurance wouldn’t take care of, but crowdsourcing health care is the opposite of a sustainable solution.“I had the question for this program, ‘Christian how? “In part because they wouldn’t even listen to me; there was no discussion of my case.“It appears to me that the health sharing ministries are designed in a way to discriminate against sick people.“That this is God’s character, to bring love and redemption. essay children should not given pocket money Legally, ministries are not insurance providers, so there are no laws regulating who they must accept as members or which costs they cover — just a social contract between their members.These ministries are, to many, a straightforward blessing: a cheaper alternative to insurance and an extra assurance that their money is not going toward abortions.Pre-existing conditions can disqualify someone from membership, while lifetime reimbursement caps and religious restrictions might mean that some members’ medical needs aren’t, in fact, reimbursed.(They also take in foster children, who are all covered through Medicaid.) It was the personal touch, along with the affordability, that attracted him to Samaritan.Some ministries hold the funds in an online escrow account; others have members mail their checks directly to the other members.They typically don't always cover pre-existing conditions and often have gaps in critical services, such as coverage for mental health services.”A pre-existing condition was a problem for Tara Owens.“And when we have a need, that’s reciprocated.” Because health care sharing ministries aren’t legally insurance companies, they don’t technically offer “coverage,” instead shifting monies from one member to another to “share” costs.It makes sense, after an experience like Faddis’s, to want to create an entirely new system — although it is worth noting that had his wife been diagnosed and then tried to join Solidarity, her disease would have been considered a pre-existing condition, and she would have been unable to share any of her cancer-related costs.But when their children had needs, things were different.Dale Bellis, the executive director of Liberty Health Share, earned a salary of $110,829 in 2015.They joined when they were both working for a Christian nonprofit founded by Bet’s dad, where they had to personally raise funds from donors to cover their own salaries.“Are you working and praying for abortion to end while your health insurance company is using your premiums to pay for abortion and abortifacient drugs? Ultimately, ministry members seem to find value in the human connection of sharing their health care needs with fellow Christians, often in stark contrast to the impersonal nature of traditional insurance.Many of the members I spoke with appreciated the fact that their hard-earned money isn’t going to line the pockets of an ultra-wealthy CEO.Many of the members I’ve spoken with are very happy with the care they receive and have found these ministries to be a source of security and community.These ministries’ policies replicate some of the most significant problems with insurance that the ACA was intended to address in the first place, and come with their own unique risks for consumers.“So we found ourselves in a situation where we had to raise money.”His connections in the church world helped them raise over $125,000, but the experience left him wondering what less connected people could rely on.” they wrote on their need processing form to Samaritan. All recommended international adoption medical testing came back normal and healthy. ”Samaritan declined to share their need.“We went to Samaritan Ministries with the need and they said, ‘This is pre-existing,’” Bet said. The only communication the leadership provided was to explain that they would not share this cost, but that Bet and Erik could list it as a "special prayer need" in the monthly newsletter, where members could pray for them and send money if they chose to do so (six or seven people did, Bet said, all less than $50 apiece).They got a letter from Samaritan attesting to their membership, and planned to add Zain to their Samaritan coverage once they were back in Illinois.But for others, like the Olsons, the relationship is not so simple.That’s likely due to a combination of factors: Affordability (compared to plans available on ACA exchanges) has been a big draw for new members, as well as the appeal of belonging to a community that shares similar values. essay children should not given pocket money A spiritual director in Colorado, Owens suffered a heart attack in April 2010. essay children should not given pocket money




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