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Tom Cassidy

Author Tom Cassidy as a lifeguard at Rockaway Beach.

By Thomas M. Cassidy

The American Red Cross has three lifesaving principles, “Reach, Throw, Don’t Go.” Stand or lie down on solid ground and reach out with an object like a pole that the drowning person can grab so you can pull them to safety. Throw a flotation device toward a swimmer in distress to help them stay afloat and call for help. Don’t Go is a warning that people who jump in the water to rescue a drowning person put themselves at risk of drowning. Even lifeguards must be very careful when they rescue a panicked and distressed swimmer. As a former lifeguard let me explain:

The author’s son Kieran and his daughter Nikki in a swimming pool. Photo from Tom Cassidy

My first rescue occurred in the ocean at Rockaway Beach soon after my seventeenth birthday. I was working the late shift, and the next available lifeguard was two beaches away. It was early evening, and no one was on the beach. A few minutes before closing time, a woman puts her towel on the sand and walks into the water. Within a few minutes she was knocked down by a wave and the undertow was rapidly pulling her out to sea. She was desperately screaming for help!

I blew my whistle to get the attention of the nearest lifeguard and then swam to her. I told her I was a lifeguard, and she was safe. She stretched out her arm and I started to bring her close to me so I could swim her back to the beach. Suddenly in a desperate frenzy, she gripped both her arms around my neck so tight that I almost lost consciousness. We both sank to the bottom of the ocean, and she finally let go of my neck. I recovered quickly, and I was able to push both of us to the surface to get a breath of air.  A lifeguard who heard my whistle arrived within minutes and helped me bring the nearly drowned woman safely to the beach.

Although lifeguards in the United States rescue 100,000 people every year, never assume that a lifeguard can see every swimmer in trouble. If you are struggling or see a distressed swimmer in the water, yell for help, and yell loudly!  

Many people swim in pools, lakes and beaches with no lifeguard protection. For example, I was recently on vacation at a resort with five swimming pools and no lifeguards. I did a safety check and spotted the rescue pole and life preserver on the deck before my family went into the pool. Still, I was on high alert. Not for my five-year-old granddaughter who was always under the watchful eye of her parents, but the hundreds of other children and people in the pool.

The Centers for Disease Control (CDC) reports that on an average day in America, there are 11 fatal and 22 non-fatal drownings. It only takes 20 to 60 seconds for a person to drown, so it’s important to always stay alert when people are bathing at beaches, lakes and pools. Above all, keep very watchful eyes on children, even when lifeguards are present. The CDC reports that for children ages 5 to 14, drowning is the second leading cause of unintentional injury death after motor vehicle crashes.

A cool dip in a backyard pool or a refreshing swim at one of the beautiful beaches that surround Long Island is a great way to relax and chill out. President John F. Kennedy said it best, “When we go back to the sea, we are going back to whence we came.”

Author Thomas M. Cassidy, a former investigator, is writer and creator of the feature film, Manhattan South, which is in development. (ktpgproductions.com)

METRO photo

By Thomas M. Cassidy

Thomas M. Cassidy

As a former senior investigator for the New York State Attorney General’s Office who spent twenty years investigating health fraud, I was truly annoyed when I discovered how hospitals are paid, and not paid, by insurers and individuals.

Keep in mind that hospitals are required by federal law to provide emergency care and stabilize all patients regardless of a patient’s ability to pay. As a result, hospitals provide more than $40 billion a year in unpaid care for patients who can’t afford to pay their hospital bill.  When patients don’t pay for their hospital care, those costs are shifted to health insurers who are charged higher rates by hospitals to make up for the losses from non-paying patients.

However, uncompensated hospital care is not shared equally by private and government health insurers. According to a study by the Rand Corporation, private plans pay hospitals 241% more than Medicare for the same service. This amounts to a sneaky tax on the 216 million Americans covered by private insurance plans.

American taxpayers fund all or part of government health insurers such as Medicare and Medicaid. Yet, the American Hospital Association reports that hospitals received payments of only 82 cents for every dollar that was spent on Medicare patients in 2022. I get it. Medicare negotiates rates for more than 60 million people, and they squeeze every drop of leverage out of hospital administrators.

But wait, why are American workers being forced to pay higher premiums for their private health insurance when they are also funding the government plans? Whoa, wait a minute! That would be like selling a car for $50,000, but if you were a stockholder in the company the same car would cost more than $100,000. It sounds ridiculous, because it is. Especially, when a commonsense solution is within reach.

Simplify hospital reimbursement rates by having Medicare negotiate the same rate for all private and government insurers as a volume purchaser for 330 million Americans. By negotiating fair and reasonable reimbursement rates with just one insurer, hospitals would save money by reducing the number of administrators and consultants that are needed to negotiate with numerous private and government health insurers year after year.

Hospitals throughout the United States are in dire economic straits due to workforce shortages, inflation, cyber-attacks, unfunded government mandates and oppressive bureaucratic regulations. For example, the American Hospital Association reported in September 2024, “Recent data from Strata Decision Technology show that administrative costs now account for more than 40% of total expenses hospitals incur in delivering care to patients.” 

A Medicare, “one-size-fits-all,” hospital reimbursement program would streamline administrative costs, save taxpayer money, reduce health insurance premiums and ensure that America’s hospitals remain best in class. 

Thomas M. Cassidy, an economist, is the author and creator of the independent feature film, Manhattan South, which is in development. (ktpgproductions.com)