healthcare Archive

0

Free insurance help for seniors

I know that there are a lot of seniors that are confused about their Medicare Plan D program in which they are currently enrolled and they are wondering if they should change to another plan. The period when a senior can make a change for the year 2010 is Nov. 15-Dec. 31. A change selected during this period would be effective Jan. 1, 2010 and would last through Dec. 31, 2010.

Most seniors that I talk to really don’t know what they should do and are looking for help. Look no further. For no charge, I am willing to help you by showing you how to choose a plan using a calculator provided by CVS Drug Stores.

Put your prescription drug information together and give me a call to set up an appointment before Dec. 19 when I will be available. If you have a list of your current maintenance drugs, their mg and how often you take them, this information can be entered into the CVS special calculator and your choices in the state of Georgia will shown from least expensive to most expensive. It is your choice then which plan you want to use for the year 2010.

One thing that you must understand is that the plan you choose is based on the information that you enter into this calculator at this time. If your health changes, like mine did, this will change what plan you need. For example, I had chosen an inexpensive plan and then had a heart attack and started using prescription medicines of the brand-only variety that I had not plugged into the calculator. Naturally, that ended up costing me more for medicines than for which I had planned. This could happen to you, also.

So, all you can do is hope that the info that you put into the calculator is an accurate as possible for 2010. If things change for the better or the worse, you can make changes in the plan chosen when the next Nov. 15-Dec. 31 comes around.

So, if you would like my help with choosing a good plan for 2010, call me at 889-1212. Why would I do this? Because I, too, am a senior and work with seniors every day and understand what seniors are going through this time of the year with the decisions that they need to be making. And, I want to give back to other seniors who need my help.

I have developed a chart that explains what seniors need to know about Medicare insurance — what is covered and what is not. I will gladly give you a copy of this chart so that you can more easily understand this complicated subject. Make an appointment with me before Dec. 19. You will be glad you did.

AndersonnewWritten by Ted Anderson. Insurance agent Ted W. Anderson worked in sales for half a century, has lived in Albany since 1993. He is president of Dover Lane Neighborhood Watch. Send email to him at aj@thealbanyjournal.com.

0

Anti-Phoebe agenda is clear in documentary

By Ron Galloway

Phoebe Putney Hospital is the center of a mini-controversy these days, stocked in part by a documentary featuring two Albany residents who had some issues with the hospital. Let me explain why I think the whole fabricated issue is meaningless.

My name is Ron Galloway. I’m a Georgia filmmaker, and 3 years ago I directed the documentary “Why Wal-Mart Works & Why That Makes Some People Crazy.” The film received global attention at the time due to the fact that unions and other interest groups were protesting Wal-Mart at the time, and my film presented arguments which in essence defended Wal-Mart.

So this issue with Phoebe Putney is like déjà vu all over again to me. People are attacking an institution they don’t understand, with a film that has a clear agenda.

By the way, I have seen the documentary about Phoebe Putney. My reaction? It’s well lit.

The majority of healthcare delivered today is through non-profit hospitals. Here’s where some people get their facts mixed up. Just because a hospital is “non-profit” does not mean it doesn’t pay taxes. It does. Phoebe Putney has thousands of employees. Guess what? Those folks pay taxes with wages from Phoebe. Phoebe Putney purchases goods and services from hundreds of businesses in the Albany area. And that generates more taxes. Phoebe Putney’s employees own hundreds of homes in the area, which generates — you got it — property taxes.

If Phoebe Putney did not exist, none of those taxes would be paid at all. The average non-profit hospital has a negative 2-percent profit margin. So the argument itself is moot: most hospitals have no profit to tax at all.

The anti-Phoebe film claims executives flew on jets to exotic places. So what? That generated jobs for the airport and pilots; therefore, more taxes.

Offshore accounts? Thousands of hospitals have captive insurance companies, which were created “off shore” because many state laws in the U.S., including Georgia, didn’t allow for the creation of these captives until recently. Most successful hospital systems have captive insurance companies to help hold down the high cost of malpractice insurance. The documentary film got it wrong. Phoebe never kept any money in offshore accounts. The dollars were all safe and sound in the USA, and Phoebe didn’t create a captive insurance company to dodge paying U.S. taxes, because the hospital is tax-exempt.

Running a hospital today is a financial juggling act. How would you like to be paid 60 cents for every dollar you billed? That’s the state of reimbursement to hospitals today, and hospital executives need every tool they can find to keep things running. The average U.S. hospital has 120 days’ operating expenses in the bank. Phoebe has nearly a year’s worth. Why? They are well run, that’s why.

The anti-Phoebe film claims, laughably, that non-profit hospitals are holding $3 trillion in cash and investments. They do this by extrapolating Phoebe’s financial position, which is healthy, to the rest of the nation. Most hospitals are not as well run as Phoebe. $3 trillion is more than our entire nation spends on healthcare each year.

But $3 trillion does attract lawyers — which is exactly what is happening here. Having plowed through other industries, trial lawyers see a new cash cow in suing non-profit hospitals. Lawyers are stirring the pot to get at this imaginary pile of money, aided by unions and other advocacy groups, who want to unionize the hospital workers.

Here’s the point everyone seems to be missing: If a patient turned up at Phoebe Putney, they got treated. They did not get turned away. Sure, they may have gotten a bill afterwards, but guess what, the hospital treated them first and worried about the money later.

I have no dog in this hunt. But I do have friends that work at Phoebe, and the way some people are treating them makes me crazy. I have to say something.

It’s easy to make a documentary film. Anyone can do it. I know that from experience. What’s not easy is to take care of 300,000 patients every year, which is what Phoebe Putney does. Day in, day out, Phoebe takes care of your family, friends, and neighbors.

Remember that when people with an agenda try to tear them down.

Ron Galloway is a frequent public speaker whose presentations include a variety of business topics, notably regarding Wal-Mart and innovations in business technology. He is the lone conservative columnist on The Huffington Post.

0

Ted Anderson: Get Involved in Health Care Debate

I, like a lot of people, do NOT trust our government because, basically, I think that they lie to the uneducated and poor people of this country. Name me one thing that they have gotten involved with that they didn’t screw up or make permanent when they promised their plan was just a quick fix and be eliminated once it was no longer really needed.

The silence is deafening! Not one word is being mentioned, that I know of, about taking away the golden parachute health program that politicians have that no one else has. That, to me, is the first step that HAS to be taken before even talking about a health care plan that might work. When that plan is taken away from them, all of a sudden they will become a lot more interested in coming up with a good plan and we will start getting results. As long as they are being taken care of health wise, and a new proposed plan doesn’t affect them, they just don’t have the incentive do what is good for everyone.

Intelligent people should be very alarmed at some of the things this administration is saying and doing and we all need to get to these town hall meetings, or writing our representatives, and letting them know how WE feel about what they are doing. After all, WE are the government. They have just been appointed to do for us what WE want them to do. I think that it is just wonderful having these town hall meetings and giving us a chance to talk to a real person re our views and what we want them to do. Even though we are having all these problems as a nation, I feel strongly that when these big crises are over, we as a nation will be stronger than ever before.

I am going to be 73 in December and have seen a whale of a lot of changes and new things take place, both good and bad. One government program that I remember when I was a kid in a small town in northwestern Illinois was President Roosevelt having the farmers kill all their baby pigs to manipulate the market and the paying of farmers to not plant crops for the same reason. My father used to get so mad about this. He was a farmer but came to town, bought a Standard service (not gas) station and ran it for more than 40 years until he died. I don’t think much of people that would do things like that president. I guess I just don’t understand when so many people in the world need food.

I think the less that government has to do with running anything, the better off we all are. I know one thing for certain that I don’t want them coming around counseling with me about end of life plans and how that they can save money. Hey, how much longer do I realistically have? I hope a long time, but I think the average male life span is only 76. When the government is talking the way they are, I can see them, not the doctors, deciding that I am old, don’t have long to live, and not give me the expensive tests and medical treatment that I need to extend my life. If the government is running things, they are going to be pulling the strings, you know that. They are saying things that indicate that is one big area that their new health plan could save a lot of money. Scares me. Should you, too, because some day you too will be my age or older. I don’t want anyone influencing how long I am going to live! How can you trust these people when they say stuff like this, and then of course deny it?

And, they are saying that the people who are happy with their doctors and the health care that they are currently receiving don’t have to change anything. Come on, the plan has to be the same for everyone to be fair, and that includes YOU, Mr. Congressman, especially YOU!

The current health care system must be changed. That’s a given. There is no doubt about that, but it is important that it needs to be done correctly so that no one has to worry about getting proper medical treatment when they need it. To do it right, it will cost a lot of money and someone has to pay for it. Do something about these things. We can no longer sit back and leave it up to other people, like we have been doing for ages. We have to get involved in our government. Ask for town hall Meetings and be there when they are set up to let your representatives know what you think and want. Keep the faith. All is not lost. We can still get our wonderful country back on track again but it is going to take some work by all of us and we need to be thinking outside the box to solve many of our social and other problems.

AndersonnewWritten by Ted Anderson. Insurance agent Ted W. Anderson worked in sales for half a century, has lived in Albany since 1993. He is president of Dover Lane Neighborhood Watch. Send email to him at aj@thealbanyjournal.com.

Tags: healthcare
0

Healthcare Forum moved to Thronateeska

To: Albany Area Chamber of Commerce Members

Due to the overwhelming amount of interest, tomorrow’s Healthcare Forum has been moved to Thronateeska Heritage Center, 100 West Roosevelt Ave. The forum will begin at 9:30 am and last for 45 minutes.

Thank you for your interest.

See you tomorrow,

Wendy Martin
VP Public Policy and Communications
Albany Area Chamber of Commerce

Tags: healthcare
0

Medicare/Medicade fraud: A $109 million a day industry

Yep, that’s how much Beverly Kimbrough of Albany’s SOWEGA Coucnil on Aging says that we are being cheated out of.

That gets your attention, huh?

See more in the April 1 edition of The Albany Journal.

Tags: healthcare
SEO Powered by Platinum SEO from Techblissonline