Tuesday, July 7, 2015

Don't Get Punked by Medicare Predators

America’s Safety Net

July 30, 2015 will mark the 50th anniversary of Medicare, signed into law by President Lyndon B. Johnson. Originally the brain child of President Harry S. Truman, it took 20 years from inception to enactment, and Truman was the very first recipient of a Medicare card. In 2014, 49,435,610 people received health coverage through a Medicare program. Most citizens will agree that Medicare provides a necessary safety net for our aging population. But Medicare has also opened the doors for fraudulent exploitation of older adults, becoming a cash cow for unscrupulous opportunists.

Theirs for the Taking

Typically, older adults trust and revere medical practitioners. They rely on doctors to provide advice and care that is given in the best interest of the patient. But that trust is being betrayed on a regular basis by shamelessly greedy medical professionals who use senior citizens as pawns to gain access to taxpayer dollars. To combat abuse by these corrupt doctors, nurses and other licensed health care providers, the Medicare Fraud Strike Force was established in 2007. Coordinated by the United States Department of Justice and the Department of Health and Human Services, the Strike Force has charged thousands of individuals for fraudulent billings amounting to billions of taxpayer dollars. Most recently, in June of 2015, the FBI arrested 243 individuals, charging them with a total of $712 million in false Medicare billings.

Fraud’s Many Faces

Medicare scammers have found a number of ways to get their hands on taxpayer money. According to the FBI, many schemes involve billing for medical treatments and services that are medically unnecessary and often not provided. Sometimes beneficiaries of Medicare are offered money or other perks in exchange for collusion in fraudulent schemes. Medical devices such as power chairs and glucose monitors are often advertised as free, and Medicare is billed, even when the recipient is not qualified. Medicare’s Part D prescription drug benefit program is frequently the target of fraud. Patients acquiring prescriptions under false pretenses, providers writing illegitimate prescriptions and the trafficking of counterfeit drugs are just some forms of pharmaceutical fraud, according to the Academy of Managed Care Pharmacy.


Don’t Get Punked

To avoid being victimized by Medicare crime, be aware of your rights as a patient, and become an active participant in your health care strategy. Do not give health care providers carte blanche in deciding which treatments or services your require. Ask questions and do research. If possible, find a trusted advocate to mediate in your healthcare decisions. The United States Department of Health and Human Services advises you to be suspicious of anyone who asks for your Medicare number for purposes of record keeping, or in exchange for medical devices or services. Pressure to undergo excessive tests should be questioned. Bills should be scrutinized for charges for services that were not rendered, and for treatments that you did not need or receive. To report suspected Medicare fraud, contact the Office of Inspector General at 800-447-8477, or online at medicare.gov. 

References and Credits

Academy of Managed Care Pharmacy: Fraud, Waste and Abuse in the Medicare Part D Prescription Drug Benefit

Federal Bureau of Investigation: Health Care Fraud Takedown

Medicare Resources: A Brief History of Medicare in America

United States Department of Health and Human Services: Stop Medicare Fraud


*Images courtesy of freedigitalphotos.net.

Monday, March 18, 2013

Beer Belly Chicken

This delicious high-protein meal takes only minutes to prepare (excluding cooking time). The chicken meat comes out moist and tasty, and the excess fat drains to the bottom of the pan. Throw two foil-wrapped sweet potatoes in after the first hour, steam some asparagus, and you have a Paleo-friendly meal that is packed with nutrition. Line your pan with foil to make for easy clean-up!


Beer Belly Chicken

Ingredients:

1 Whole Organic Roasting Chicken
12 oz. can of beer (your preference)
Olive Oil Cooking Spray




Preheat oven to 375ยบ F. Rearrange the oven racks so that your chicken will fit when standing upright. Line a baking pan with foil. Drink 1/2 can of the beer (leave the remainder in the can)! Note that the beer is not Paleo, per se. 


Unwrap the chicken and remove giblets. Mount the chicken on the half-full beer can and place it in the baking pan. Spray the chicken surface with cooking spray.

Place in oven and bake for about 15 minutes per pound (around 2 hours for the average bird).

"It's dark in here!"

When done, remove from oven and let stand for 5-10 minutes. Remove the beer can by grasping the bird with pot holders, pouring the hot beer through the neck, and twisting the can as you pull it from the cavity. Serve with baked sweet potatoes and steamed asparagus, or other veggies of your choice.


Bon appetite!

Wednesday, March 13, 2013

New Rules: Dating Advice for Grownups

All My Single Ladies!


If you're divorced or widowed and looking to get back in the dating game, chances are you'll consider  one of the many popular dating websites such as eHarmony, Match.com, OurTime.com or others. For the most part, all are legitimate businesses (although they often "plant" fake profiles to lure you into buying a package). But all in all, the sites are not sinister unto themselves. Some of the members, on the other hand, may be seeking more than an enduring relationship with your sweet sexy self.

In fact, the online dating pool hosts only a modicum of great catches. The waters are infested with predatory pond scum intent on getting into your knickers or your IRA, or both if possible. Many of them are married with no intention of getting divorced. So it is up to you to navigate the murky and treacherous waters by educating yourself on the basics.

Online dating 101:

  • Be honest but not an open book. Tell the truth about your height, weight, age and habits. If you are interested in marriage, put it out there. Seriously, are you really paying a monthly fee to meet "friends?" To predatory men, that is code for "let's have sex with no commitment."
  • Be less forthcoming about your economic status, place of employment, children and the type of car you drive. Nothing lures a predator like a "well-heeled mother of teens, executive at ABC Corp., who drives an SL-Class Mercedes Benz."
  • Try to keep it local. You may be open to moving from New York to Seattle. But you have a better chance of learning about a partner who has lived in your area for a number of years. I have heard disaster stories of folks, male and female, who have uprooted themselves for love, only to be disappointed when a long-distance romance fizzles. 
  • When setting up a date, arrange to meet at a neutral public place. Do not under any circumstances have him or her pick you up at your home! This is for your safety, and that of your family.
  • Make the first date drinks or coffee. Or lunch. The shorter time span and lower monetary commitment give you both a chance to feel each other out, and to see if you are interested in pursuing a second date. This approach has saved me more than once from obnoxious boors and sexual predators. 
  • Let a friend or family member know who you are meeting and where you will be. Arrange for them to call you at a specific time during the date. If all is going well, you can let them know. If you need to bail, they can be your excuse. 
  • Limit your alcohol consumption. Bad judgement is not strictly the domain of drunken teenagers.
  • In case you do drink too much, carry condoms in your purse. STDs are on the rise in adults over the age of 50.
  • Above all, listen to your gut. Intuition is not a myth. It is a primal alarm system that lets you know when you are in danger.

Tuesday, March 12, 2013

New Rules: Dating Advice for Grownups


Let's Hear it for the Boys!


Guys, whether you're newly single or have been on your own for awhile, here are a few dating pointers you should consider before getting involved again:
  • Most women of our generation are seeking an honest monogamous long-term relationship that is better than the one they got out of. We are not interested in casual sex or "friendship."
  • Make a list of the attributes you want in a mate, and decide which traits are deal-breakers. Think with your heart, and not your genitals. Stick to your guns. For example, if smoking is on your deal-breaker list, don't get bedazzled by her charms and overlook her habit. All too often, men end up in a relationship that is worse than the one they got out of, or they marry an inferior version of the same person.
  • While most of the adult women you meet have their own careers and their own money, she will not be impressed if you expect her to split the bill. She has likely already invested in your date by having her hair and nails done and by buying a new outfit. When you pick up the tab, you are saying that you value her efforts and the time she is spending with you.
  • When you are genuinely interested in a woman, don't rush to have sex. Go by the third date rule. If, after date three, you are certain that you want to take the relationship to the next level, make sure she is also interested and ready. If she says she is not ready yet, ask yourself if she's worth waiting for. If you can honestly say yes, then wait.
  • If you are only interested in hooking up for casual sex, stay out of the mainstream dating sites. Try craigslist or the local red light district. And be sure to wear a condom!

Thursday, March 7, 2013

Can Weed Make You Rich?


No, I'm not talking about growing it in your attic, silly! But ever since November, when Colorado and Washington states essentially legalized the recreational use of marijuana, there has been increasing buzz in the financial sector about the future market for marijuana, and what it means for investors. 

In general, the consensus seems to be that all roads lead to eventual nation-wide legalization for medicinal and recreational purposes. In fact, there are stocks now available for adventurous investors. Medical Marijuana, Inc. is already trading publicly as an umbrella company for PhytoSphere, WellnessManaged Services and CanChew Bio-Technologies, all distributors of medical marijuana products. Other publicly traded companies include Hemp Inc., GreenGro Technologies and Growlife.

But before you cash in your IRA and invest your life savings, bear in mind that, while promising, there are no guarantees that the trend toward legalization will continue. If it does, universal legalization is still years down the road. And when pot finally is legal, the companies presently selling shares may or may not still be around.

So, if you want to dabble in today's marijuana market, take a puff but don't inhale. Your money could go up in smoke!

The Road Less Traveled

The Road Not Taken
Two roads diverged in a yellow wood,
And sorry I could not travel both
And be one traveler, long I stood
And looked down one as far as I could
To where it bent in the undergrowth;

Then took the other, as just as fair,
And having perhaps the better claim
Because it was grassy and wanted wear,
Though as for that the passing there
Had worn them really about the same,

And both that morning equally lay
In leaves no step had trodden black.
Oh, I marked the first for another day!
Yet knowing how way leads on to way
I doubted if I should ever come back.

I shall be telling this with a sigh
Somewhere ages and ages hence:
Two roads diverged in a wood, and I,
I took the one less traveled by,
And that has made all the difference.