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SUDDENLY SENIOR'S
LETTER OF THE MONTH:

May 2006

"I Fell Through the Cracks!"

CLICK HERE TO READ IT


Lifetime penalties await all those seniors who delay doing the bidding of our government. Is that any way to treat fellow Americans? Read the alternatives to this sorry mess.


I was one of the ones frantically trying to get in before the deadline.

I am STILL covered (automatically) to an HMO I have been trying to get rid of for four years! After being on hold in half a dozen calls for over 5 hours where I was continually reminded I could easily have my problems solved faster over the internet. (I COULD NOT!!! ) I am still left with only one of my seven drugs that I can get cheaper with there plan. Two I can get cheaper retail by comparison shopping. (They cost less than the co-pay) The rest are NOT covered. I will pay high prices, cut back, or do without!

What do geezers WITHOUT a computer think of this internet reminder while they are on hold? They probably think we, who scrimp to get an old computer, are rich bastards who get better service. In reality, we are frustrated by slow, spam-ridden free dial-up connections, attempting to reason with a computer which gives us a choice of seven wrong answers or being left on hold for an hour waiting for "the next available representative"! The irony is this free service is not unlimited in time on the net. We hate to waist it sitting with a 'phone plugged into our ear listening to repetitious music only interrupted by computers telling us how important our call is to them.

I don't dare shoot Bush, because that would make the bastard a hero. That leaves me two choices, move to Canada, or set myself on fire in front of the federal building. Which is better - Hot or Cold ? Garry Spencer

***

I sure do not envy the decisions that you have to make. In Canada the provinces run the health care and drug care programs. I live in Ontario, am over 65, and entitled to free drugs according to the formulary.

The only charge I have to pay is the first $100 annually and each prescription cost $4.11 after that. (Don’t forget Canadian funds, so knock about 10% off of that).

Three weeks ago I had by right knee replaced (oh pain) however no hospital charges for a weeks stay. In addition because of major surgery there will be no charges for any drugs prescribed until July rest of this year.

Keep up the fight and some day Americans will win over their government to some kind of universal care with the insurance companies involvement. Gord Anderson

***

Many of us are starting to cave. Why? Blackmail! If we don’t sign up before May 15, we are subject to a 1-percent premium penalty increase per month — forever! There is no cap on this penalty and no guarantee that it will stay at 1 percent. The sky is the limit. (What a country!)

So, not having a crystal ball to learn what the future holds, we signed up for a program that for a while is going to cost us money, not save it. If there are no changes in our medications (and we hope not), we will lose money this year. Next year, if things remain the same, we will break even (maybe).

Granted, all insurance is a crapshoot with one side hoping it won’t have to pay and the other side hoping it won’t have to collect. You pay your money, you take your chances! But this plan is so ill conceived, that from the get-go, both sides are going to pay and pay and pay.

In my opinion, Medicare Part D stands for Medicare Debacle. And I resent being blackmailed into being a part of it. Betty Kaiser, her Chatterbox column is about people, places, family and other matters of the heart.

***

I have nothing further to say about Plan D that you and a zillion other people haven't already said. And very well at that! What I can't quite understand is why people aren't jumping up and down in protest over the penalty imposition. The idea that a person who doesn't sign up before May 15, for whatever reason, will  be financially penalized if, again for whatever reason, he subsequently decides to sign up is a gross violation of civil rights!!!

Plan D is supposed to help people. The fact that it sucks is beside the point. Income tax is mandatory...don't pay it, you get penalized. But Plan D is not mandatory. And you shouldn't be penalized for not signing up for it! Nor should you have to sign up for something you may not want or need just to keep your options open.

I think we need to send a resonant message to our congresspeople in the next couple of weeks. How about spearheading the movement, Frank. We're with ya...at least I am. Tomi Curtis

***

Once again, this Administration and its two Republican Houses of Congress, has sold the American people and especially we senior's a bill of nearly worthless goods.

Thankfully for millions of senior's, the planner's left an out.

To qualify for extra help, folks on limited incomes below $14,355 for singles and $19,245 for married couples, and resources, including savings and stocks (but not including home and car), must not exceed $11,500 for singles and $23,000 for married couples, as of May 15, 2006.

My plan, of which I was just notified, is called Silver/Script (there are 13 others I can choose from). With only S.S. income of $11,232 and no resources I will pay $0.00 premiums and $0.00 deductible, and only up to $2 for a generic and up to $5 for a brand name drug at, certain participating pharmacies, of which I have five conveniently located near me. Jerry Brooks

***

I just heard of Outreach this week, but most of my drugs are not on it. Thanks again Frank...also I am on AARP and it is $26.88 a month and it is a good program but the government does not allow my tranquilizer and so that still cost me the full price....oh well...we will live until we die..LOL. Betty

***

Where did our country go? What happened? I wasn't sleeping.... I voted. I went to work before I couldn't anymore - the company changed hands and I finally got laid off. Had I not, life would be easier for me.

I am panic-stricken over everything....and it seems that no one is going to change anything anytime soon. I now get panic attacks over seemingly small things - and I don't know WHY.

My HMO took on Medicare Part D, so I just do what I have to do and order from overseas... Thanks for your jokes and updates. Joan Locker

***

My husband is still working at 67. He has been working for a major company and we carry insurance with them. We were told that if he had insurance with his company that we did not have to have Medicare Part B until he retired. Now they are throwing out Part D. Now what do we do? We have a prescription plan with our insurance. Will that cover Part D also? Whether it does or not, we refuse to sign up for Prescription Insurance. I thought this was a country of freedom and choices. They can not force us to sign up. They can put us in jail for not obeying the law (is this a law that is discriminating against we old folks?) Maybe we should start marches like Martin Luther King Sr.  They can not force us to sign up. I believe that all we old folks would just refuse to sign up, the whole program would go belly up. Lois Adams

***

Again I want to thank you for all the wonderful advice, info, ideas and links I get thru you site. Aileen Gordon

***

Good for Gloria and Russ Tuttle!  I think our generation is "too nice."  But, when they get "sick & tired" of GWB lies and manipulative speeches ...........comes the "revolution!" DA!  

Who is advising him? The Democrats? I hear they have become so wishy-washy that some of the seniors I talk to don't even want to VOTE in 2008 for any party. Sad/bad news! 

Your comments are soothing and refreshing. I will put this in my save for later folder. Some day I expect to hear from "big brother" after seeing Michael Douglas's latest production ... "THE SENTINEL."  Today whatever you email or say is being watched. It is like going to the Casino. While the "watcher" is watching you.......there is a "watcher" watching the "watcher." Daisy Starks

***

I don't know what's wrong with me but I didn't have any trouble getting a RX plan with Humana for $11.32 a month deducted from Medicare.  I only pay $30 maximum for non-generic and nothing $0 for generic (which Tamoxifen is now).  I researched on the internet what companies covered the drugs we take and that was how we decided.  We've only had this for two months but it seems to be working.  Fondly from Arizona, the old fart here, Calli Kitchen

***

I am a 65 year old widowed senior who has raised two grandchildren and presently sending one to college and the other to high school. I have lupus, arthritis and several other ailments. Blue Cross cancelled my prescription coverage (after 35 years with them) the end of December because I was eligible for Part D. After spending hours trying to find the correct plan, I finally signed on with Advantra RX through Continental Ins. They paid for my celebrex for three months and then when I tried to have it refilled they refused to pay for it any longer.

I had a terrible migraine one day and the doctor called me in some Imitrex. I went out in the bright sun to pick it up from the pharmacy and my ins. carrier refused to pay for it without prior approval and then it was going to have to go before the board before they decided to either approve or disapporve it, most likely the first. The pharmacy suggested I go back to the doctor and see if they could give me some samples so I go traipsing back across town with my horrindous migraine to beg them for some samples.

SOMETHING HAS TO BE DONE ABOUT THIS PROGRAM!! There are going to be seniors dying because they can't get their medication. What are we supposed to do? Glenda Todd

***

My name is Joe. I am a senior citizen. And I will become one of many millions who will be on Medicare and other plans.

I am at the gateway of 65 years old, in May 2006, in fact. After looking at various plans for many weeks, I finally decided to go with the VA drug plan, which meets the requirements of the Plan D. And, if I understand it right, I won't be penalized for not signing up for a plan D Insurance policy. And, if I am dropped from the VA plan for some reason, I think I have 62 days to sign up for Plan D, before I am penalized. Could you somehow check out the above information and verify it for me, to see if I am right, or am I going to end up paying at a later date?

Now, about Medicare Part B. You probably have had some ideas on how to correctly run this program, but as with the rest of us, you are helpless to do anything. But, at anyrate, I want to mention my idea. If our government is so willing to offer us a Medicare Part B, at $88.50 a month, which does not cover everything, and which therefore requires a second (private) insurance policy to cover the missing costs not covered, why isn't there more and better offers made by our government, to cover these costs? (that was a mouthful).

Let me tell you my idea: Three different offers for Medicare Part B. Part B1, regular, for $88.50 a month, you receive the standard Medicare Part B, and need a second (and private) insurance policy to make up the difference. (as is now. You can choose this if you want private insurance coverage) Part B2, for $120.00 a month, you receive better coverage, pay only $65 for the yearly deductible, and only pay 10% of remaining costs. (This still leaves some costs for you to pay, but no private insurance company to mess with) Part B3, for $155.00 a month, you get all costs covered, no deductible, no private insurance company. But this is still cheaper then having Part B plus a private company for around $90 a month, total of $178 or more.

Then, for Plan D Drugs, they could make Medicare Part B1 D, or Part B2 D, or Part B3 D. All of which includes drug coverages, and they could charge maybe an extra $8 a month for each.

So now you have all the Medicare coverage you need and the Drug coverage you need, all from the same place, our goverment. Simple, not complicated, not as many offices and cuts down on paper work.

Wouldn't this make more sense to the average Senior citizen, who is going to have to get a private insurance policy anyway, and can lose if making the wrong choice in companies. (I compared policies and some are just outragous).

Our government could issue all these different Medicare Part B policies, since they are doing one Medicare Part B already. Why stop half assed in the middle of the stream? They offer Part B, which is limited and then they have the gall to tell me I need to get more insurance if I want better coverage. What the heck is that nonsense? WHY are they even bothering to offer Part B in the first place, if they only plan to do it half assed? I know the answer and it is sad. Insurance companies. That's my thoughts, thanks, Frank. Joe Gallegos

Incredible, Shrinking Me

Have you started shrinking yet? You will. Here's a strong case for requiring a course called "Aging Process 101" to be taken some time before we must learn by doing.

Never a truer word in your article! I can also feel my age has crept up and I can feel it in all my bones. However that's life! Mary Lyon, age 96

***

You didn't mention the other shrinking thing. If it hasn't happened yet, just wait. Joe Klock

***

Disappointed you didn't mention that our male members shrink 28% after a certain age. Mine did, and I'm glad. I no longer have to hold it up out of the water when I'm sitting on the toilet. Richard

***

I've been saying for some time (I'm 83) that the golden years aren't even gold plated. Also, I think it's high time a new model of human was brought out -- one that is more resistant to all these physical and mental maladies that we develop. Shrinkage -- obviously we weren't sanforized... I have lost abut 3 inches of height in the last 10 years or so. Those lousy discs cushioning our spinal column are to blame. If my prostate cancer, wet macular degeneration, etc., get much worse, one of these days I'm going to tell my primary care doc to hand me a glass of water and a double strength cyanide capsule and to leave the room. In the meantime, it's a mean time. Walt Hansen

***

Who wants to be 4,757 year old tree?

The other day (I think it was) I was walking to the local convenience (that's where if you don't like our price's---go somewhere else) store.

Ahead of me a few yards was a rather attractive young lady, one who I've spoken to before. This day she was wearing a pair of those painted on hip hugger jeans, and a very snug "sports" bra. Now I'm a good sport---but that's another story.

Anyway, I must walk with a cane these days, so instead of trying to catch up with her and enjoying the conversation, I decided to just hang back and enjoy the view.

I found myself having to retrace my steps, as I had walked nearly a city block past my destination. So you see, if you concentrate hard enough, you can get extra exercise in your old age. Jerry Brooks

***

I can relate to your essay -- wait until you're as old as I am -- 76. I think that I see a trip to Costa Rica in your future; talk to Carolyn about it. Joe M.

My wife was enrolled in a Medicare advantage plan and when we needed to use it, Baylor Hospital here(Waxahachie, TX) told us that these were worthless and I could not find a facility within 200 miles of us that would take it. Needless to say, we dropped it and enrolled in a Medicare supplement policy. The selling company, Sterling, tried to get us to keep it and the local agent was not aware that the only hospital in the area would not take it until he personally checked. An expensive lesson for me! Phil Wood

***

I'm not sure if you have mentioned this part of the New Medicare Drug Plan in one of you columns explaining it, so in case you haven't here is some info that I just received from the HMO plan I belong to here in Columbus, OH. Mine is not the usual type of HMO as it is run the a hospital and the doctors associated with it and I have been a member for past 7 years. Now here is another thing that makes the Medicare Drug Plan hard on seniors who have a good HMO, but Medicare has forced them to discontinue coverage of drugs that are not covered by Medicare. These are the drugs that those brilliant people who devised this plan assume that seniors do not need.

All Barbiturates and Benzodiazepines - Even though these drugs are addictive, they are still prescribed by doctors.

Most Anxiety Drugs and Muscle Relaxers - They must have assumed that seniors don't have any problems that should require these drugs, but here again doctors still prescribe them.

Most Allergy Medications, Decongestants and Antihistamines - It must also be assumed that we don't get allergies or colds, which sometimes require such drugs.

Some Sleep Aids - I guess we don't have any sleeping problems either. But doctors still prescribe them.

My only conclusion to this is that we should just buy over the counter medications to replace all these things that aren't covered. What amazes me is that they have the power to control the HMO's that did cover these drugs before the great Medicare Drug coverage began. This is just another way our government is "sticking it" to the seniors. I am fortunate that I do not take any of these drugs, but I do know a lot of seniors who do. Hazel Reynolds

***

Way to go, Frank. We're going to have to re-label you the FARP - the new replacement for AARP. We get more from you than we do them. Dixie Sylvester

***

This definitely needs media attention and before May 15th. You do such an incredible service to us all. I called Medicare this AM and they definitely confirmed that there is a difference between total charges and out of pocket..so in some cases, it may pay to go with a plan that has the $250 deductible if that will make a difference. Oh, I thought I was finished with all of this.

I feel that there is no full disclosure. Isn't there a law. I have looked at several sites for Part D plans and nowhere do they explain the difference between total charges and out of pocket charges.
What can we do? I am ready to join!! Merry

***

You ever get the impression that GWB believes that good Americans should just limit their life spans to 65 years and then jump into the nearest river. The DRA seems to want us to go that way. It would be so much cheaper and we could finance another war or two. Where are the Grey Panthers when you need them? I think the politicians use our letters as toilet paper. The only thing they care about is votes and money. John King

***

What's wrong with this picture? The fact that 34 states have passed or are considering passing programs that go against Federal law is astonishing. Especially since the reason they find it necessary to do so is that the US Government, all three branches it seems are, for the lack of a better way to put it, in bed with PHARMA. I'm beginning to believe that the pharmaceutical industry is only one of the industries that have the ear and the pockets of government officials.

I would like someone to tell me, if I have I always been very naive or about how this country works or has this outrageous behavior been going on all along? I was of course always aware that some people could always be corrupted but when did it become what seems to be the majority? I could say so much more but I better stop before I go ballistic. Between the disaster of Medicare Plan D and the refusal of our elected officials to do anything about the outrageous price gouging by the pharmaceutical companies and the oil companies I just may have a stroke! Because #1 it makes me so angry and #2 I now have to pay a lot more for my blood pressure medication. Seething in San Diego

***

This Medicare D is all BS. It took us weeks to get a drug exception. iYou could croak before you get the drug. A lot more old folks are going to be very surprised. Have written to all my representative and can not get straight answer form them either. It is a mess. Please keep us informed. It doen't look to good to me. Tony Valeri

***

It is such nonsense to bundle Social Security, Medicare and Medicaid together as "entitlements." If you tune into some of the Congressional hearings on the budget, some Republicans actually wine about not having money in the future for "national defense" and all the other fun things. What fun would that be? And some show examples of how Part D yields benefits to specific seniors, like a presentation Democrats might give for some humanitarian program, not Republicans. Do we really believe the Republicans want to build a program for the least fortunate? But, while some Republicans argue about Part D being a welfare program, others are still trying to say that it is a good program. Again, great column, Frank. Keep them coming. Did I tell you about the book "don't think of an elephant"? I think it is a good read. George Fulmore

Seniors 'Mad as Hell, Not Going to Take It Anymore'

When Plan D insurance companies let greed dictate service, seniors became exasperated by the wanton gall of it all. Seems time to demonstrate to America that we still remember that democracy is government of, by, and especially, for the people.


Isn't this a bunch of crap. It is terrible, the amount of graft being paid to the AMA and the Pharmaceutical industry by the government and it is all going to the same people. People who they know will take the graft and cause them no harm. This country is out of control and no amount of bitching about it is going to straighten it out. I think it is about time we had another revolution and started a complete new system. This one is so full of graft and corruption it can't be fixed. I guess the Capitalist System isn't able to survive over two hundred and fifty years. The only reason is greed. Greed kills all. The rich want it all and the poor get nothing. Grandpa Dee Desaire

***

Another good article. Yes, seniors are passive, I am 62 and getting ready to retire and fight. I wish the boomer generation would hurry up and retire and get hit with this malarkey. They many not be passive and may carry the day. Gary Cockrell

***

It's about time that seniors start thinking about what we have contributed, what we have paid, and what we want and need. We have a powerful voice—let's use it! Cathy Brown

***

Great article. Instead of just pointing out the problem, why don't you try to organize seniors to do something about it?

Start petitions. Tell them to write their Congressman and Senator–and tell them where to write or send emails to – INCLUDING THE PRESIDENT.

I'm willing to get involved. Give me (and other's) some guidance. You know a lot more about this than I do. George Burke

George,

Right, we need to scream like hell. Will anyone listen? That's the question. Here are some places to start...

Write your Representative: http://www.house.gov/writerep/

Call your Representative by calling 1-800-426-8073

E-mail your senators at http://www.senate.gov/general/contact_
information/senators_cfm.cfm

Call your senators toll-free:1-800-828-0498

Call the Medicare Ombudsman at 1-800-633-4227

***

How exciting to hear of your stories! I'd probably continue to read if you let go of politics; very negative! Rather, let's be supportive and adapt the "Golden Rule." Cecilia Eclar

***

Medicare Part D is going to bite the Republicans right in the ass. John King

***

Thank you... I am going to make sure my children read this... so they will really understand why I am complaining - even though I have not prescribed any drugs... thank God... I have been against this Drug Plan... Now I can explain it to others. I.N. Thomas

***

I enrolled in the Humana Part D program in Feb. and I received my card about 2 weeks later, then toward the end of Feb. I received the information packet and in looking through the booklets I had some questions so I called Humana and proceeded to inquire about my coverage on the drugs I take.

Now this is where things become a nightmare, I told the rep what medication I take just to verify what was shown in the drug/formulary booklet and was told that the booklet was no longer valid although I had received it that very day and my medication was not on the list for the $7.00 copay that it was on when I first applied, but on the preferred drug list now. When I questioned the rep I was told that the coverage can change day to day and for the latest information to go to their web site. What if seniors don't have a computer or the knowledge to go from page to page to research their coverage?

Well I called Medicare the very same day and asked how I could stop the Humana coverage, I was helped by a very nice and concerned lady and she ask me what medications I was taking and then suggested I change to another Part D provider. I called the provider she recommended and it is costing me more per month but no co-pay on my medications, at least they will notify in writing of any changes in the coverage without a web site having to be consulted each time you want to fill a prescription.

I am not quite yet a senior but I am a disabled lady getting very close to being a senior. I do have the knowledge to check the computer and have helped my senior neighbors in researching Part D providers and I am sharing my "nightmare" with all of them. Linda Rice

***

It is my goal to communicate with as many seniors as possible and entice them to vote all these turkeys out of office who supported this unbelievable rip-off. Who ever will replace them does not really matter anymore, I hate to say it, but we are going to be sold down the rat hole no matter which lawyer gets into office, so let's just start a Boston tea party and show them that we are still a potent force and just clean house in November.

Personally I will never sign up for any existing plan, but I sure feel bad for the seniors who got screwed and are unable to get their proper prescriptions for a fair and reasonable price. I am really getting madder then hell with every passing day. Keep up the good work, Frank, and keep stirring the pot. It's a noble cause. Herb Bundgen

***

I agree with you completely about Part D and there isn't any question that we should throw the bastards out. Unfortunately, at this time I consider it necessary to support even the worst Democrat member of Congress in hopes of countering the despicable individuals populating the executive branch. It's very frustrating. What we really need is the opportunity to vote "none of the above" and make the parties give us candidates that we actually like instead of voting for the lesser evil. Mike Adams

***

I am furious with AARP as I took their plan and they promised me everything was covered and everything but one drug — it is a tranquilizer that I have been on for 25 years and it is generic — and they will not pay for it. So it cost me $35. With the price of the AARP RX card and all my drugs now I am saving a whole $10 a month.

We have been so mislead. I asked her if I was a psych patient would they allow it because I was from the old school and to me I did not the difference from an antidepressant drug compared to a tranquilizer and she said I guess they would. So she sent me a rejection letter that I am to take to my doctor. When I do this, he will just say let me put you on another drug.

Now why would I want to do that as this one works for me. And if it ain't broke, don't fix it. I am 74 and it just makes me so angry. They do not want to hear the senior voices at all. We really have been duped. I so appreciate y our newspaper. Thank you again for all yours and your wife's hard work. Betty Culp

***

I've been getting your newsletter for a over a year now, and think that your last issue was the best yet. Yes, seniors should be getting up in arms! You hit the nail right on the head with your description of how insurance companies are doing their best to make getting a simple refund or payment as complex as possible. Everyone knows that Plan D is a mess; but even those of us who are still working, and who are lucky enough to have very pricy (to our employers) insurance plans are going through the same thing.

Insurance companies are taking advantage of an overworked and overtaxed population overall, but seniors in particular. Why?

Seniors are generally perceived and presented as being a "drain" on society, despite past and current contributions to our local, state and national communities. We need to educate the public about what seniors have done to build and improve the communities in which we live, what we have contributed to our nation, and the local, state, and federal taxes we've paid for years.

We have PAID for our right to decent insurance, care, and living conditions. And that is in addition to what we contribute to any community in which we live. Seniors are, generally, a cheap source of revenue for savvy city planners. Unfortunately, many city planners are not too bright. Here's a link to an article about a particularly unenlightened bunch:

http://www.juneauempire.com/
stories/030206/loc_20060302001.shtml


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"SUDDENLY I'M A SENIOR"

One trips through life enjoying the good, bad and ugly of growing up.

But when did growing up actually become growing older? One day, the AARP sends you the news that you are considered a senior citizen. The restaurant hostess asks if you prefer the senior menu.

Suddenly, everyone else thinks you are a senior!

Check out Frank Kaiser's Suddenly Senior website to get the real truth of growing up and older in a society that has difficulty acknowledging and respecting older folks.Real stories through real-life experiences will touch your heart and your funny bone! You will gain a sense of humor and reality from these true tales.


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"We have looked for years for a column like Suddenly Senior. We wanted a literate, witty, sometimes biting, sometimesronic male writer with an exterior of rumpled steel and the heart of a streetwise pussycat! We found him in Suddenly Senior's Frank Kaiser."


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