Friday, January 1, 2010

2010 Arrives and Death Follows

Happy New Year.

I was hoping to start the new year with some great positive, uplifting information. I honestly tried. I woke this morning feeling great, looking at a sunny sky, and feeling like Ralphie after he discovered his Red Ryder 200 shot Carbine was really a Christmas present after all.

Unfortunately, that all went south after finding out that a 21 year old pregnant female was killed by a suspected 30 year old drunk driver, as she sat in a friends' vehicle that was awaiting roadside assistance on the freeway. The unborn child was also killed and two other occupants, as well as the drunk driver, were taken to a local hospital with major injuries. The suspected drunk driver was arrested for felony DUI.

In our county, this is the third fatality in less than 12 hours, at least two of which are attributable to drunk driving. More injuries can be attributed to drunk and impaired driving as well. Even with DUI checkpoints and saturation patrols, the carnage continues.

Worse, the numbers continue to climb. Are there more DUI arrests because there are more people being caught? Or because there are more people driving under the influence? The television stations report more drivers are using their cell phones to turn in drivers who appear impaired. If the numbers are climbing because of vigilance and closer scrutiny by the law enforcement authorities and the public, it's a good thing. If it's because more people are driving under the influence, it's not.

At one time I was appalled to hear that 41% of all people on the road were impaired by some substance, legal, illegal or otherwise. That's a huge figure. Look at it this way...if you're sitting in your vehicle, there's a huge potential that the person next to you, and either the one ahead or behind you, is impaired. Two out of the four vehicles surrounding you! Whew...that's one helluva number! That's plain scary at freeway speeds!

Bottom line is that if you drink, or otherwise are impaired, please don't drive. Take a cab, bus, or have a sober designated driver. That young pregnant mother-to-be didn't deserve to die on a cold, dark freeway this morning. She didn't do anything wrong; she was an innocent victim who happened to be in the wrong place at the wrong time. That's the tragedy of most of the victims of drunk drivers. They happen to be in the wrong place at the wrong time, or get in the vehicle with the wrong driver without thinking, as they themselves are impaired.

I wish you a safe and healthy New Year filled with love and peace.

Monday, December 21, 2009

California Fixes Good Samaritan Law

California Legislators finally correct the wrongdoing of the State Supreme Court!

On August 6, 2009 Governor Schwarzenegger signed Assembly Bill 83 (Feuer/Benoit), legislation which encourages individuals to act as "Good Samaritans" and voluntarily help rescue others in peril. The legislation goes into effect immediately.

“Now Good Samaritans have no reason to hesitate to responsibly help someone in an emergency out of fear that they might be sued, " Assembly Member Mike Feuer said. "This legislation encourages Californians to look out for each other at a time when public resources are all too scarce. I'm proud of the broad coalition that came together to make this common sense law possible." The bill garnered unanimous bi-partisan support in its passage through the Legislature, and it created a broad and unusual alliance of support from law enforcement and rescue agencies, as well as the plaintiffs and defense bars and the American Heart Association.

“As a former Highway Patrol Commander, I’ve experienced many situations where Good Samaritans arrived first on the scene, making the difference between life and death for accident victims,” commented Senator John J. Benoit (R-Bermuda Dunes), a 31-year law enforcement veteran and principal co-author of AB 83. “Good Samaritans show kindness to others and their good acts should be encouraged, rather than discouraged.”

AB 83 reverses a recent court decision and clarifies the Legislature's intent to shield all Good Samaritans from lawsuits if they act responsibility – regardless of whether their rescue assistance is of a medical or non-medical nature. In the court case of Van Horn v. Watson, the California Supreme Court ruled that the state’s Good Samaritan statute only partially protected those who voluntarily act as Good Samaritans from possible negligence lawsuits. The Supreme Court held that such volunteer rescuers would only be shielded from lawsuits if they provided “medical care” at the scene of an emergency; they would not be protected from possible liability if they provided "non-medical care."

Another supporter of the legislation, Christine D. Spagnoli, president of Consumer Attorneys of California, stated: “This bill strikes an important balance between the human desire to help people who are in distress, and the rights of victims. Consumer attorneys are delighted to join police, firefighters, paramedics and insurance and business groups in endorsing this measure.”

“Assemblyman Feuer and his co-authors deserve a big thanks for acting quickly and fixing a quirky law that threatened to penalize people who performed noble acts in helping others in an emergency," said John H. Sullivan, president of the Civil Justice Association of California (CJAC).

Assembly Member Feuer was moved to introduce AB 83 by personal experience. While driving home from work on a Los Angeles freeway we witnessed the driver of a pickup truck swerve and lose control, overturning in traffic. Feuer helped pull the driver and his family from the overturned vehicle while others blocked traffic on the busy freeway.

Wednesday, December 9, 2009

Catching the Seniors Off Guard!

Today I received a solicitation from AARP's United Healthcare Insurance Company for the AARP Medicare Supplement Insurance.

I thoroughly read through each and every page of the material I received, and not once did it mention what coverage I would receive! It did suggest they have a variety of plans giving me a choice of options. Yet not once did they tell me what each of those plans did, or did not cover. It did however tell me about there being a pre-existing condition exclusion and enough gobbledy-gook about that perhaps not applying, that it would take a Miami lawyer to tell you whether you were or were not qualified under pre-existing health care coverages or not. They use the term "other exclusions may apply" but don't tell you what those exclusions might be.

The insert sheet shows plans A through L yet doesn't fully explain what you do or do not get under each plan. The heading states "See Outlines of Coverage Section for details about ALL Plans". That would be nice except there was NO Outlines of coverage section included. I did receive a rate sheet however that would allow me to choose a rate starting from $$75.60 all the way to $145.60 for "Early Enrollment Discount rates" and from $108 to $208 in the future. A supplemental piece of paper included in the package states that the plan rates shown in this package are only good for 2009. Yet the solicitation and application are for coverage effective 1/1/2010! Thus if your Medicare rates increase, so will this. And then you have no idea what you will be paying!

Finally, reading the printed page, the kicker is this statement:" This material describes the plans available through the AARP Health Care Options program but is not considered a health insurance contract or insurance certificate.

Folks, you aren't getting health insurance or health coverage, but a plan of some sort that seems very undefined. After reading it again, I can't determine what I would be paying for. And, I have experience in the insurance and healthcare field, unlike most others who have to wade through the Medicare minefield all alone and uneducated about the pitfalls.

The cover letter says call them and I, frankly, won't do that. I have had dealings with AARP in the past and they seem to have the phones handled by sharks who simply want to sell you something. I once called about auto insurance and the woman hounded me on the phone to sign up, although the coverage she was hawking was hundreds more than the AAA coverage I already had, and the AARP program even had worse coverage to boot! Then I was subject to a barrage of unwanted mail and phone solicitations for months trying to sell me more insurance. Still receive tons of junk about some form of insurance from these people just about every week.

If you can't get a clear answer to what you're buying, don't buy it. Paying for something when you don't know what you're getting is what I call paying for "air biscuits." Sounds good but no substance.

Finally, on Page 31 of the December 2009 AARP Bulletin, they have a Scam Alert on buying worthless or less than value insurance policies. Maybe they should have named themselves in that article as Consumer Reports and others have in the past!

http://bulletin.aarp.org/yourmoney/scamalert/articles/when_health_insurance_is_phony_.html

Wednesday, December 2, 2009

AARP Backs Obamacare and Medicare Cuts!

Today, December 2, AARP supported $460 billion dollars in Medicare cuts to fund the Obamacare health care reform bill. As Republicans tried to have the cuts restored, the AARP stated the cuts by the Democrats were just ways of eliminating waste and inefficiency within the Medicare system.

This bill will increase seniors' Medicare premiums by over $60 Billion Dollars!

What they will do is destroy the Medicare Advantage program that provides additional services and coverages to Medicare recipients who sign up for the plans. And those plans offer the extra services at no extra cost to the senior citizen in most cases. Better coverage, less cost when you are ill and can least afford it, and no more money out of your pocket at the beginning. No wonder AARP opposes that. If you can get that. why would you want the often costly and sometimes questionable coverage of AARP "supplemental insurance" programs and "prescription drug" programs that can be covered by Medicare Advantage programs with the premiums you already pay as part of your Medicare monthly costs?

Screwed by the association that seniors trust, the AARP is like a dog that bites the hand that feeds it. How seniors can trust these people is beyond me. It nauseates me to think how they deceive their members and then push for a bill that will help fill their coffers. YES, fill the AARP coffers since they offer supplemental insurance plans! And how many recognize that the AARP makes more money on revenues from hawking insurance and other products than from membership, grants and contributions?

When your Medicare benefits are cut and you need extra coverage, the AARP is going to be hawking that coverage, just as they do now. Read my past posts on their coverages, and what Consumer Reports says about some of those coverages.

Even back in 1988, Money magazine laid open the devious practices of the AARP, which was originally funded by an insurance broker named Leonard Davis, who later founded Colonial Penn Insurance, which later replaced Continental Insurance as AARP's insurer! Even Consumers Union (Consumer Reports) found fault with them back then! Read the entire story here:

http://money.cnn.com/magazines/moneymag/moneymag_archive/1988/10/01/84702/index.htm

Think the executives who are not volunteers at AARP will be hurting on Medicare? Not a chance. According to the New York Times Business Section, December 3, 2009, "Horace B. Deets, Executive Director of the AARP earned $369,000 plus $141,806 in retirement benefits."

Barry Rand, the new CEO of AARP has an annual salary of $575,000 according to his bio published in USA Today on March 12, 2009. You can bet he won't be worrying about Medicare!

At the risk of being "politically incorrect, here's a link to what Capitol Hill is saying about the AARP back door dealings with the Democraps:

http://www.gop.gov/policy-news/09/10/20/democrats-cut-back-room-deals

Shame on AARP and their underhanded plan for screwing America's seniors!

Saturday, November 28, 2009

SDGE San Diego Gouge and Extort

Some interesting facts you probably didn't think of about your residential electric bill:

If you are overcharged on your electric bill one month as a result of an incorrect meter reading, you think, and are probably told by SDG&E, they it will be lower next month and it will even out. Not so!

Facts are that any electricity you are billed for, whether you use it or not, over the "baseline allowance" of 326 kilowatt hours is charged at a higher tier rate. The rates are based at up to 100% of baseline, 101% to 130% of baseline, 131% to 200% of baseline and then another charge of 131% to 200% of baseline for some odd reason. I'm sure SDG&E can explain away the second charge that is higher for half the month than the earlier charge but that's beside the point here.

The next month, if your meter is read correctly, your bill will be lower. Lots lower, since you will be getting billed likely at the under 100% baseline usage, and thus, the lowest rate. But you already paid a premium rate the month before for electricity you never used, and SDG&E didn't give you credit on your bill for your overcharge, either, did they? You just got gouged by the utility that you have no choice but to use.

Your protection? Check the date your meter has been read in the past, learn to read your meter, and read it every month. Both gas and electric if you're wise. Because you can't trust the gas and electric company to be right every time, and when they're wrong you'll come up on the short end.

Smart Meters:

You probably heard SDG&E is spending 500 million dollars to install a million "Smart Meters in San Diego County. Their publicity and bill inserts and media would have you think this is all for your benefit, and how you'll be able to watch your meters on-line and be able to track your own energy use. Right? When the hell did the electric company do anything good for YOUR pocket that didn't line theirs?

Truth is that THEY will be able to watch your energy use, and in the future, you will see peak demand pricing just like the big energy users. If you use energy during peak hours you will pay a big price for it. It will be Big Brother Utility's way of keeping their thumb on you, to be sure you don't use more at any given time than they want you to, and if you do, they'll slam you with a big surcharge for using more than you should. In this manner they can avoid building more power plants, and make you pay for plugging in your coffee pot when you come home from work, for that extra cup of coffee. It won't be worth it! There's nothing in this for you, unless you want to spend your time at the computer watching your electric and gas meter. Incidentally, having the computer on just adds to the electric bill...should there be a credit for checking your own meter?

Oh, by the way, those "smart meters"? They're presently dumb! They have to be read by meter readers, and there are already reports of severe overcharging, as the meter readers apparently have not gotten used to reading them yet. Once again, learn to read them every month and don't depend on SDG&E to do so. If you see a mistake, call them on it immediately, or you'll end up paying the bill, and the credit you get next month will not be equal to what you paid this month.

Finally, expect BIG problems when the system goes fully computerized. Can you imagine what will happen when you put 1 million meters on line? Mistakes will likely be rampant, so read those meters, and try and keep SDG&E honest. Because if you don't tell them they made a mistake, they sure as hell won't tell you!

Saturday, November 14, 2009

Swine Flu and Obamacare

This is simply a test question. There is only one question and one chance to get it right. Your life depends on the right answer. Ready? Do you trust a government that screams paranoia about the severity of the H1N1 "Swine Flu" and tells people the importance of being vaccinated if they are in a high risk group, then can't provide the vaccine in the amounts originally promised to the public?

YES or NO? Fast...you must make a decision. Because the next decision the government will likely make could be forcing Obamacare upon you and your family, like it or not. And, you need to make every effort to tell your senators your feelings about having that edict rammed down your throat, or up another orifice, before it happens and it's too late.

What happened to the original "every American being covered by health insurance"? That sure didn't last long. Those tall tale figures waned from perhaps a hundred million additional insured people to what, 36 million or so at last count? And the bill for covering one-third the number never dropped a dime, rather it seems to have remained the same or even increased?

And nobody will see the benefits of this 1.2 trillion dollar debacle (plus the billions spent by the current politicians playing with the bill to get this far) for about four years. All the while we'll be paying for it in the form of reduced Medicare benefits, reduced Medicare Advantage benefits, increased taxes and God knows what else they have cooked up to screw the taxpayer.

It comes down to a simple question. How can a government that can't get the swine flu vaccine out to the public, during a declared public health emergency, be counted on to handle a huge national health care reform en total? The simple answer is that they can't.

Does that surprise you?

Here it is the middle of November and the H1Ni vaccine is nowhere to be found, except in some public health clinics, and that's on a spotty basis. Healthcare workers are being told they must wait for vaccinations, as are senior citizens and others with cardiac and specific needs for immunization. Can you imagine having a true pandemic sweep a city or county, and all the healthcare workers who are supposed to aid the sick are instead ill themselves, too ill to care for those who need their skilled medical help? That could happen due to the manner in which the current vaccine shortage seems to be going. YOU could end up having to take care of yourself and not be able to seek medical aid. That's a scary thought.

Some figures:
  • The Obama administration ordered 250 million doses of vaccine.
  • They confidently predicted that 120 million doses woule be available by now (Nov 14).
  • Only about 42 million doses have been received by the government as of Thursday and not all of those have been distributed.

According to Fox News "A study released Tuesday from Purdue University said it may be too late for the H1N1 vaccine to be of any benefit to Americans, as they may contract the virus before the vaccine takes effect. The study said most people would be infected during the month of October at a time when the vaccine is not available to most Americans."

Of course, the government won't admit this. "Health and Human Services Secretary Kathleeen Sebelius disagreed and said government health officials anticipate a spike in both seasonal and H1N1 cases going forward, not a drop off — meaning that the vaccine will not reach the majority of Americans too late. She added that even those infected with H1N1 in the spring should consider getting the vaccine once widespread availability is made."

Believe what you will. It's no different than fighting a war. If they sent you into battle with no defensive weapon or bullets, how good would you feel? The flu enemy is insidious and silent, but just as deadly to many. Yet the promises of a shield to stop the flu bullet just isn't coming in time for many.

Friday, November 6, 2009

AARP Endorses Obamacare

I knew it would happen. It was inevitable. The AARP jumped on the Obama bandwagon, screwed all 40 million of its members, and endorsed Obamacare, even if it means that Medicare will feel a huge hit in the future as a result of the proposed healthcare "reform" package.

In their latest "bulletin" dated November 2009, sent to members, AARP once again promises not to endorse any plan that will hurt Medicare recipients. On page 34 of that bulletin, Barry A Rand, CEO, states "We have made it clear to the president and congress that we will fight with the strength of our entire membership, nearly 40 million people, to protect your benefits. We will block any proposals that eliminate benefits, raise out-of-pocket costs, reduce access to care or lead to rationing." Yet the same day that bulletin arrives in my mail, AARP endorses just such a plan that will strip 500 billion dollars away from the Medicare Advantage plan payments so many of the nation's senior citizens depend upon for care. It is those Medicare Advantage plans, administered through private insurance companies, that make drugs affordable, doctor and hospital visits affordable, and keep the costs of simply living within the reach of many of America's aging population. Medicare is a crutch and these plans provide a walker if you look at it that way. Without them, many of us still could not afford the hight cost of medical care, even through medicare!

Even one of their own AARP members on Page 40 of the November 2009 bulletin asks "Does AARP believe that when Medicare cuts 14 percent from its payments to Medicare Advantage plans, the 25 percent of Medicare recipients enrolled in those plans will not lose benefits?" AARP didn't respond. No surprise there!

Yet, the AARP, an organization formed by and alleged to serve the senior population, sucks up to Obama's healthcare reform like a Hoover to dog dander. They have become as deceitful and politically charged and absolutely have an agenda that does not serve the greater good of the senior citizens. Millions have walked away from the AARP and joined other Senior Groups, simply due to disgust and the alliance the AARP has formed with the current administration.

I do wonder if there are back door deals, pockets being lined, or what promises are being made, to get the AARP in such lockstep with this healthcare reform bill? How can they publish statements that they won't support changes that will hurt the seniors, and on the same day align themselves with changes that will do just that?

Wake up Senior America. Time to boot these people out of your life and look for something better on the horizon. They are not doing you any favors and are selling you down the river while telling you otherwise. Look at who runs the AARP and you'll find it's not people on Medicare who really care about what happens to us. It's people making money from the organization who have it as a job just like any other. Think of AARP as a political action committee that uses it's hulk to get what they want, and not what YOU need!