June 25, 2015


Posted in DOCTORS, LEGAL ISSUES, MEDICAL tagged , , , , , , , , , , , , at 6:31 pm by PCOSLady


Your Rights in Health Care:


You have the following rights. If someone is helping you make healthcare decisions, he or she may exercise these rights for you.


Quality of care – you have the right to:

  • ~ Quality care by skilled doctors and staff.
  • ~ Be treated for your pain.
  • ~ Treatment that is as comfortable as possible.
  • ~ Emergency procedures without unnecessary delays.
  • ~ Help decide the details of your plan of care.
  • ~ Ask for a second opinion, at your expense.


Safety – you have the right to:

  • ~ Safe care.
  • ~ Know when something goes wrong with your care.
  • ~ Have a family member or friend, as well as your doctor, notified promptly of your admission to the hospital.
  • ~ Be free from all forms of abuse and neglect.
  • ~ Be free from all use of restraints unless needed for safety.


Voice and choice – you have the right to:

  • ~ Get information in a manner you understand.
  • ~ Make informed decisions about your care.
  • ~ Refuse care.
  • ~ Make advance directives and have your medical wishes followed.
  • ~ Contact a person or agency to protect your rights.
  • ~ Have a support person with you for emotional support.
  • ~ Agree to refuse to allow pictures for purposes other than your care.
  • ~ Religious and other spiritual services that you choose.
  • ~ Complain without fear and have your complaints reviewed.


Affordability – you have the right to:

  • ~ A detailed bill and an explanation of that bill.
  • ~ Information about resources to help pay for your healthcare.


Authentic personalized relationships – you have the right to:

  • ~ Know the names and jobs of the people who care for you.
  • ~ Privacy and access to medical information as described in Novant’s Notice of Privacy Practices.
  • ~ Be treated with respect and dignity.
  • ~ Treatment without discrimination.
  • ~ Respect for your culture, values, beliefs and preferences.
  • ~ Visitors of your choices. We will inform you of any restrictions.
  • ~ Personal privacy.


Easy for me – you have the right to:

  • ~ Sleep in the hospital without being awakened unless necessary.
  • ~ Know about rules that apply to your actions.
  • ~ Help in discharge planning from the hospital.


What is your role in your healthcare?

  • ~ Be an active partners in your healthcare.
  • ~ Ask questions.
  • ~ Keep appointments.
  • ~ Be respectful to other people and their property.
  • ~ Follow the facility’s rules.
  • ~ Follow your care instructions.
  • ~ Share as much health information with us as possible.
  • ~ Tell us about changes in your condition.
  • ~ Tell us when you are in pain.
  • ~ Give us a copy of your advance directive(s).
  • ~ Leave your valuables at home.
  • ~ Pay for your care.

March 22, 2013

Bad Doctor FYI

Posted in DOCTORS, LEGAL ISSUES tagged , , , , , , , , , , , , , , , , , , , , , , , , at 5:27 pm by PCOSLady

~ ~ ~
PCOS Lady:
True there are a few “good” doctors out there… Most doctors are in the “bad” category though…
~ It’s sad when a physician’s assist recently told me he will call me first before seeing a doctor…
(Nice compliment to me, but says volumns about doctors he knows…)
~ “YOU” can and need to make the call, write the letters, etc… to get “bad” doctors disciplined and out of practice! No one in authority knows til you speak up!
~ Do your part to help others… It will help keep our medical costs down in the long run…
~ Malpractice lawyers are getting wealthy off bad medical practices and doctors!

…. Drug Watch ~  Drugs & Devices, Current Law Suits, FDA Recalls…

Look Up Physician
~ * ~ First, obtain the current license status of the doctor to see if they are in “good standing”. Check with the state medical board of use the sources below.
~ * ~ Second, find whether he/she has had complaints filed against him/her.
~ * ~ Third, investigate the history of disciplinary actions brought against the doctor such as suspensions, fines or license revocations..
~ * ~ Fourth, research the doctor for a criminal record.
~ * ~ Fifth, check whether he/she has been sued for medical malpractice.
~ * ~ Sixth, see if he/she has lost lawsuits or paid judgements for negligence.
~ Choosing Wisely … Excellent informative site for you!
~ Specialty Society Lists of Five Things Physicians and Patients Should Question (for physicians)…
~ Patient-Friendly Resources from Specialty Societies and Consumer Reports…
~ ~ ~
How to Report Bad Doctors
~ Live Strong …
~ ~ ~
~ Biowizardry Blog … Serious Business Reporting Bad Doctors…
So here are some ways to do the most good:
Report the physician/s to the licensing board in your state.
You can’t do much about what happens after that, but it goes on record and makes that doctor’s/institution’s future screwups harder for them to do damage control on. And there WILL be future screwups.
Review the physician or organization online.
These review sites get read by patients, doctors, and doctors’ staff, so patients are warned by your record of consistent stinkery and — bonus! — a really stinky review often gets back to the physician via other physicians, providing “reputation readjustment” among the very people they most value. It sounds cruel, but hitting them in the ego is second only to hitting them in the pocketbook in terms of the salutary effect you can have once constructive efforts have been exhausted.
Submit letters to the editor in that doctor’s or institution’s area.
These are followed by the PR departments of hospitals, government agencies and universities (this means that university hospitals will have a double dose of PR departments.) Docs who make the institution look bad, cost money. Once they look like they’ll cost too much, they lose their jobs… And, at higher levels, find it very hard to get another one.
In the end, maybe it’s not about whether you can get what you needed in the first place. Sometimes, it’s about protecting others, your cohorts in need. There are a lot more of them than there are of either vile doctors or great ones, but at least let’s steer them away from the vile. You can save lives this way 🙂 …
PCOS Lady:
You now know where to find all the links you need to find and turn your “bad” doctors into…
~ The Medical Board for your state also takes complaints about the doctor’s office staff…
How to report damaging and dangerous doctors
AMA FAQ on reporting physicians:
~ American Medical Association … Don’t be intimidated by the prim, imperative language. You’ve probably done almost all of that already.
Contact info for physician licensing boards in all 50 states:
~ American Medical Association … This is who has the authority to revoke a vile physician’s right to practice. A consistent record of vileness can’t be overlooked once it gets to this level.
How to review your providers online
~ Yelp … This site is well known and widely used. Even though it’s generic, physicians themselves have told me they fear bad reviews here…
Doctor-specific review sites:
~ Vitals … Reputable. You need to register.
~ Health Grades … Find the doctor, click “About This Provider”, look under “Patient Satisfaction,” and click “Fill Out a Survey About [doctor’s name]”.
~ Rate Mds … Doctors to AVOID: Free reviews and ratings of local doctors and dentists. Has been picked up by several national news outlets.
~ Health Care Reviews … Seems relatively new. Could be worth it, if it saves one more person.
~ Change organization … Ideal for institutional-level stinkiness. You can set up a petition and this org will do most of the legwork to get others with relevant interests to sign it. This then gets mailed to the institution with all those names on it. Also, if it’s a good story and the news folks are awake, it can hit national TV. Now THAT’s pressure!
Letters to the editor
~ Guidelines for writing letters to the editor: http://www.pnhp.org/action/how-to-write-an-op-ed-and-letter-to-the-editor
~ Most important advice: keep it focused, human, and snappy. Cite relevant recent news (on the institution, the doctor, the disease, health care, etc.) so it feels like part of the larger reality (which it is.)
~ Links to major news outlets’ Letters pages, with submission guidelines: http://www.ccmc.org/node/16179
~ Or search “letters to the editor [your state or city]” for more relevant links.
* These not only come back to the hospital administrators, but are followed by politicos. It’s a good way to make a big stink, especially given a good paper trail and a link to your petition. If you’re lucky, it could trigger some investigative journalism. *
You can also research investigative journalists in your area, and pitch your story as an idea for a project. This is more time-consuming than the other options, and not all of us have that time or can make those contacts.
Not the last word
Once a reputation has been trashed, it’s very hard to recover… And sometimes that’s the only way to keep these hateful, [expletives deleted], predatory, self-serving, [more expletives, really vile ones, also deleted] from hurting others.
It would be helpful if more doctors stepped up to the plate and helped corral their own. It’s this damaging minority of trolls who stain the image of all doctors.
Any physicians who know of means to do that, it would be tremendous if you’d let us know… If only to assure us that some effort is being made. Even after roughly a decade as a nurse and another as a patient, I know of no mechanism that still lets you police your own — so if it exists, it’s awfully coy. It’s too easy to feel abandoned by the profession when we wind up in the hands of someone like this, and see the colleagues near them just shut up and knuckle under. If there were a wider pool of colleagues they had to answer to, it would help us to know that.
If you’re in the awful position of needing to use this info for yourself or a loved one, please comment and let us know how these methods work for you.
Best of luck. May all your future doctors be good, capable, and really know their jobs.
~ ~ ~
Posted Comment:
I work for a group of doctors (surgeons) and can assure you that you would be well within your rights as a patient to report this doctor.
Report her to the medical board, the hospital where she is affilliated (you should be able to call the hospital main number and ask for the patient advocate or patient representative) OR, if you want to really make a statement, call the office of the hospital’s CEO.
I would not stop until you get some type of apology or something that would make this doctor see that she was way out of line.
In the meantime, contact your insurance company’s 800 number and see if they can assist you in finding another OB.
~ ~ ~
How and who do you report a bad doctor to?
~ Doctor Reviewwww.local.com/Search Businesses At Local.com For Doctor Review Near You!
~ Doctor Ratings & Reviewswww.vitals.com/Comprehensive Info On 720K Doctors. Complete Reviews, Ratings & More.
~ Doctor Reviewwww.peeplo.com/Doctor+ReviewExtensive, Accurate Search Results Try a new way to search now!
1. File a voluntary Medwatch (www.fda.gov/medwatch) report or call 800-fda-1088
2. Contact state medical licensing board and file a complaint.
3. Contact the state health dept.
4. File with consumer complaint such as Better Business Bureau
5. Contact the State Attorney General’s Office and file a complaint against their business.
~ ~ ~
American Medical Association
515 N. State Street
Chicago, IL 60654
(800) 621-8335
~ Drugs … Excellent for drug info, name brand, generic, over the counter warnings, newsletter for recall alerts and news, etc…
report bad doctors
report bad medical staff
bad doctors

March 13, 2013

Medical Malpractice

Posted in LEGAL ISSUES tagged , , at 5:31 pm by PCOSLady

FYI: Malpractice, abuse, oopsies, mistakes, should haves, etc… galore are happening every where today! The numbers are increasing daily!
Many of you have experienced it with your doctor, his staff or in the medical world…
What you experience may not be deemed malpractice but is serious or the start of a potentially serious matter… I will list the steps on handling these scenarios later…
Keep notes, keep a journal on “YOU”… Carry your medical records and notes with you when seeing your doctor or leave it in your auto…. You never know if you need info out of it!
ALL the information is crucial surrounding your malpractice case… !!!
What is Medical Malpractice?
ABPLA Board Certified Medical Malpractice Attorneys
The Top Medical Malpractice Attorneys in America
Medical malpractice occurs when a hospital, doctor or other health care professional, through a negligent act or omission, causes an injury to a patient. The negligence might be the result of errors in diagnosis, treatment, aftercare or health management.
To be considered medical malpractice under the law, the claim must have the following characteristics:
~ A violation of the standard of care – The law acknowledges that there are certain medical standards that are recognized by the profession as being acceptable medical treatment by reasonably prudent health care professionals under like or similar circumstances. This is known as the standard of care. A patient has the right to expect that health care professionals will deliver care that is consistent with these standards. If it is determined that the standard of care has not been met, then negligence may be established.
~ An injury was caused by the negligence – For a medical malpractice claim to be valid, it is not sufficient that a health care professional simply violated the standard of care. The patient must also prove he or she sustained an injury that would not have occurred in the absence of negligence. An unfavorable outcome by itself is not malpractice. The patient must prove that the negligence caused the injury. If there is an injury without negligence or negligence that did not cause an injury, there is no case.
~ The injury resulted in significant damages – Medical malpractice lawsuits are extremely expensive to litigate, frequently requiring testimony of numerous medical experts and countless hours of deposition testimony. For a case to be viable, the patient must show that significant damages resulted from an injury received due to the medical negligence. If the damages are small, the cost of pursuing the case might be greater than the eventual recovery. To pursue a medical malpractice claim, the patient must show that the injury resulted in disability, loss of income, unusual pain, suffering and hardship, or significant past and future medical bills.
Examples of Medical Malpractice
Medical malpractice can take many forms. Here are some examples of medical negligence that might lead to a lawsuit:
~ Failure to diagnose or misdiagnosis
~ Misreading or ignoring laboratory results
~ Unnecessary surgery
~ Surgical errors or wrong site surgery
~ Improper medication or dosage
~ Poor follow-up or aftercare
~ Premature discharge
~ Disregarding or not taking appropriate patient history
~ Failure to order proper testing
~ Failure to recognize symptoms
Choose a Board Certified Medical Malpractice Attorney
~ If you believe that you or a family member may have been a victim of medical malpractice resulting in serious injury, you should consult a Board Certified medical malpractice attorney.
~ ABPLA Board Certified medical malpractice attorneys are among the best medical malpractice attorneys in the country. Each Board Certified attorney must meet and exceed rigorous standards through Experience, Ethics, Education, Examination and Excellence in professional liability law.
~ Medical malpractice is professional negligence by act or omission by a health care provider in which the treatment provided falls below the accepted standard of practice in the medical community and causes injury or death to the patient, with most cases involving medical error. Standards and regulations for medical malpractice vary by country and jurisdiction within countries. Medical professionals may obtain professional liability insurances to offset the risk and costs of lawsuits based on medical malpractice.
~ Patient abuse or neglect is any action or failure to act which causes unreasonable suffering, misery or harm to the patient. It includes physically striking or sexually assaulting a patient. It also includes withholding of necessary food, physical care, and medical attention. It applies to various contexts such as hospitals, nursing homes, clinics and home visits.
~ Medical harm refers to any systemic failure in the health care system that results in a negative psychological or physical consequence. Medical harm is not limited to iatrogenic illness.
~ See partial list below…
In a clinical setting or hospital
~ misdiagnosis – a provider incorrectly identifies a patients condition or disease (ex. a patient is diagnosed with heart burn, a gastro-intestinal condition when he actually has a heart condition)
~ under-diagnosis – a provider does not fully identify the cause (ex. a patient with Lyme disease, which is caused by a tick and starts out with vague symptoms like fatigue and joint pain is told he has fibromyalgia)
~ overdiagnosis – something benign is identified as happening often with cancer where non-specific cancer marker is identified with the potential that the cancer carries no risk to the patient’s health.
~ unnecessary surgery – a provider performs a surgery without utilizing or ruling out less invasive options (ex. a hysterectomy for uterine bleeding before considering a uterine fibroid artery embolization)
~ under treatment – lack of appropriate follow-up or treatment, often related to lack of health insurance, or inability of provider to diagnose
~ over treatment – a provider provides more interventions than are required (ex. provider prescribes a multiple medications to ensure his patient with epilepsy is seizure free without considering the side effects)
~ Never Events… Never events are inexcusable actions in a health care setting, the “kind of mistake that should never happen”. The initial list of 28 events was compiled by the National Quality Forum of the United States. They are defined as “adverse events that are serious, largely preventable, and of concern to both the public and health care providers for the purpose of public accountability.”
~ See list below…
According to a 2012 study published in The New England Journal of Medicine, there are as many as 1,500 instances of ‘surgical souvenirs’—instances in which a surgical tool or other foreign object is left inside of a patient’s body after surgery—every year in the United States. The same study suggests an estimated total number of surgical mistakes at just over 4,000 per year in the United States; however, these statistics are extrapolations from incomplete data rather than actual event counts.
List of Never Events:
As defined by the National Quality Forum and commonly agreed upon by health care providers, the current list of 28 never events includes:
~ Artificial insemination with the wrong donor sperm or donor egg
~ Unintended retention of a foreign body in a patient after surgery or other procedure
~ Patient death or serious disability associated with patient elopement (disappearance)
~ Patient death or serious disability associated with a medication error (e.g., errors involving the wrong drug, wrong dose, wrong patient, wrong time, wrong rate, wrong preparation or wrong route of administration)
~ Patient death or serious disability associated with a hemolytic reaction due to the administration of ABO/HLA-incompatible blood or blood products
~ Patient death or serious disability associated with an electric shock or elective cardioversion while being cared for in a healthcare facility
~ Patient death or serious disability associated with a fall while being cared for in a healthcare facility
~ Surgery performed on the wrong body part
~ Surgery performed on the wrong patient
~ Wrong surgical procedure performed on a patient
~ Intraoperative or immediately post-operative death in an ASA Class I patient
~ Patient death or serious disability associated with the use of contaminated drugs, devices, or biologics provided by the healthcare facility
~ Patient death or serious disability associated with the use or function of a device in patient care, in which the device is used or functions other than as intended
~ Patient death or serious disability associated with intravascular air embolism that occurs while being cared for in a healthcare facility
~ Infant discharged to the wrong person
~ Patient suicide, or attempted suicide resulting in serious disability, while being cared for in a healthcare facility
~ Maternal death or serious disability associated with labor or delivery in a low-risk pregnancy while being cared for in a health care facility
~ Patient death or serious disability associated with hypoglycemia, the onset of which occurs while the patient is being cared for in a healthcare facility
~ Death or serious disability (kernicterus) associated with failure to identify and treat hyperbilirubinemia in neonates
~ Stage 3 or 4 pressure ulcers acquired after admission to a healthcare facility
~ Patient death or serious disability due to spinal manipulative therapy
~ Any incident in which a line designated for oxygen or other gas to be delivered to a patient contains the wrong gas or is contaminated by toxic substances
~ Patient death or serious disability associated with a burn incurred from any source while being cared for in a healthcare facility
~ Patient death or serious disability associated with the use of restraints or bedrails while being cared for in a healthcare facility
~ Any instance of care ordered by or provided by someone impersonating a physician, nurse, pharmacist, or other licensed healthcare provider
~ Abduction of a patient of any age
~ Sexual assault on a patient within or on the grounds of the healthcare facility
~ Death or significant injury of a patient or staff member resulting from a physical assault (i.e., battery) that occurs within or on the grounds of the healthcare facility
Recommended actions following a never event
~ The Leapfrog Group offers four actions as industry standards following a never event:
~ apologize to the patient
~ report the event
~ perform a root cause analysis
~ waive costs directly related to the event


…. Drug Watch ~  Drugs & Devices, Current Law Suits, FDA Recalls…

medical malpractice
never events
standard of care
patient abuse
~ See also:
medical abuse
aggression in healthcare
blacklisting of patients by doctors
bullying in medicine
bullying in nursing
doctor-patient relationship
Medical harm
Professional abuse

June 14, 2012

Patient’s Bill of Rights

Posted in LEGAL ISSUES tagged , , , , , , , , , , , , , , , at 11:20 pm by PCOSLady

~ Health Reform … Patient Care Act, signed June 22, 2010… Fact sheet …
Fact Sheet: The Affordable Care Act’s New Patient’s Bill of Rights
June 22, 2010
A major goal of the Affordable Care Act – the health insurance reform legislation President Obama signed into law on March 23 – is to put American consumers back in charge of their health coverage and care. Insurance companies often leave patients without coverage when they need it the most, causing them to put off needed care, compromising their health and driving up the cost of care when they get it. Too often, insurance companies put insurance company bureaucrats between you and your doctor. The Affordable Care Act cracks down on the some of the most egregious practices of the insurance industry while providing the stability and the flexibility that families and businesses need to make the choices that work best for them.
Today, the Departments of Health and Human Services (HHS), Labor, and Treasury issued regulations to implement a new Patient’s Bill of Rights under the Affordable Care Act – which will help children (and eventually all Americans) with pre-existing conditions gain coverage and keep it, protect all Americans’ choice of doctors and end lifetime limits on the care consumers may receive. These new protections apply to nearly all health insurance plans.1
How These New Rules Will Help You
~ Stop insurance companies from limiting the care you need. For most plans starting on or after September 23, these rules stop insurance companies from imposing pre-existing condition exclusions on your children; prohibit insurers from rescinding or taking away your coverage based on an unintentional mistake on an application; ban insurers from setting lifetime limits on your coverage; and restrict their use of annual limits on coverage.
~ Remove insurance company barriers between you and your doctor. For plans starting on or after September 23, these rules ensure that you can choose the primary care doctor or pediatrician you want from your plan’s provider network, and that you can see an OB-GYN without needing a referral. Insurance companies will not be able to require you to get prior approval before seeking emergency care at a hospital outside your plan’s network. These protections apply to health plans that are not grandfathered.
Builds On Other Affordable Care Act Policies
These new protections complement other parts of the Affordable Care Act including:
~ Reviewing Insurers’ Premium Increases. HHS recently offered States $51 million in grant funding to strengthen review of insurance premiums. Annual premium hikes can put insurance out of reach of many working families and small employers. These grants are a down-payment that enable States to act now on reviewing, disclosing, and preventing unreasonable rate hikes. Already, a number of States, including California, New York, Maine, Pennsylvania and others are moving forward to improve their oversight and require more transparency of insurance companies’ requests to raise rates.
~ Getting the Most from Your Premium Dollars. Beginning in January, the Affordable Care Act requires individual and small group insurers to spend at least 80% and large group insurers to spend at least 85% of your premium dollars on direct medical care and efforts to improve the quality of care you receive – and rebate you the difference if they fall short. This will limit spending on overhead and salaries and bonuses paid to insurance company executives and provide new transparency into how your dollars are spent. Insurers will be required to publicly disclose their rates on a new national consumer website – HealthCare.gov.
Keeping Young Adults Covered. Starting September 23, children under 26 will be allowed to stay on their parent’s family policy, or be added to it. Group health plans that are grandfathered plans can limit this option to adult children that don’t have another offer of employment-based coverage. Many insurance companies and employers have agreed to implement this program early, to avoid a gap in coverage for new college graduates and other young adults.
~ Providing Affordable Coverage to Americans without Insurance due to Pre-existing Conditions: Starting July 1, Americans locked out of the insurance market because of a pre-existing condition can begin enrolling in the Pre-existing Condition Insurance Plan (PCIP). This program offers insurance without medical underwriting to people who have been unable to get it because of a preexisting condition. It ends in 2014, when the ban on insurers refusing to cover adults with pre-existing conditions goes into effect and individuals will have affordable choices through Exchanges – the same choices as members of Congress.
New Consumer Protections Starting As Early As This Fall
The new Patient’s Bill of Rights regulations detail a set of protections that apply to health coverage starting on or after September 23, 2010, six months after the enactment of the Affordable Care Act. They are:
~ No Pre-Existing Condition Exclusions for Children Under Age 19. Each year, thousands of children who were either born with or develop a costly medical condition are denied coverage by insurers. Research has shown that, compared to those with insurance, children who are uninsured are less likely to get critical preventive care including immunizations and well-baby checkups. That leaves them twice as likely to miss school and at much greater risk of hospitalization for avoidable conditions.
~ A Texas insurance company denied coverage for a baby born with a heart defect that required surgery. Friends and neighbors rallied around the family to raise the thousands of dollars needed to pay for the surgery and put pressure on the insurer to pay for the needed treatment. A week later the insurer backed off and covered the baby.2
~ The new regulations will prohibit insurance plans from denying coverage to children based on a pre-existing conditions. This ban includes both benefit limitations (e.g., an insurer or employer health plan refusing to pay for chemotherapy for a child with cancer because the child had the cancer before getting insurance) and outright coverage denials (e.g., when the insurer refuses to offer a policy to the family for the child because of the child’s pre-existing medical condition). These protections will apply to all types of insurance except for individual policies that are “grandfathered,” and will be extended to Americans of all ages starting in 2014.
~ No Arbitrary Rescissions of Insurance Coverage. Right now, insurance companies are able to retroactively cancel your policy when you become sick, if you or your employer made an unintentional mistake on your paperwork.
~ In Los Angeles, a woman undergoing chemotherapy had her coverage cancelled by an insurer who insisted her cancer existed before she bought coverage. She faced more than $129,000 in medical bills and was forced to stop chemotherapy for several months after her insurance was rescinded.3
Under the regulations, insurers and plans will be prohibited from rescinding coverage – for individuals or groups of people – except in cases involving fraud or an intentional misrepresentation of material facts. Insurers and plans seeking to rescind coverage must provide at least 30 days advance notice to give people time to appeal. There are no exceptions to this policy.
~ No Lifetime Limits on Coverage. Millions of Americans who suffer from costly medical conditions are in danger of having their health insurance coverage vanish when the costs of their treatment hit lifetime limits set by their insurers and plans. These limits can cause the loss of coverage at the very moment when patients need it most. Over 100 million Americans have health coverage that imposes such lifetime limits.
~ A teenager was diagnosed with an aggressive form of leukemia requiring chemotherapy and a stay in the intensive care unit. He reached his family’s plan’s $1 million lifetime limit in less than a year. His parents had to turn to the public for help when the hospital informed them it needed either $600,000 in certified insurance or a $500,000 deposit to perform the bone marrow transplant he needed.4
The regulation released today prohibits the use of lifetime limits in all health plans and insurance policies issued or renewed on or after September 23, 2010.
~ Restricted Annual Dollar Limits on Coverage. Even more aggressive than lifetime limits are annual dollar limits on what an insurance company will pay for health care. Annual dollar limits are less common than lifetime limits, involving 8 percent of large employer plans, 14 percent of small employer plans, and 19 percent of individual market plans. But for people with medical costs that hit these limits, the consequences can be devastating.
~ One study found that 10 percent of cancer patients reached a limit of what insurance would pay for treatment – and a quarter of families of cancer patients used up all or most of their savings on treatment.5
The rules will phase out the use of annual dollar limits over the next three years until 2014 when the Affordable Care Act bans them for most plans. Plans issued or renewed beginning September 23, 2010, will be allowed to set annual limits no lower than $750,000. This minimum limit will be raised to $1.25 million beginning September 23, 2011, and to $2 million beginning on September 23, 2012. These limits apply to all employer plans and all new individual market plans. For plans issued or renewed beginning January 1, 2014, all annual dollar limits on coverage of essential health benefits will be prohibited
Employers and insurers that want to delay complying with these rules will have to win permission from the Federal government by demonstrating that their current annual limits are necessary to prevent a significant loss of coverage or increase in premiums. Limited benefit insurance plans – which are often used by employers to provide benefits to part-time workers — are examples of insurers that might seek this kind of delay. These restricted annual dollar limits apply to all insurance plans except for individual market plans that are grandfathered.
Protecting Your Choice of Doctors. Being able to choose and keep your doctor is a key principle of the Affordable Care Act, and one that is highly valued by Americans. People who have a regular primary care provider are more than twice as likely to receive recommended preventive care; are less likely to be hospitalized; are more satisfied with the health care system, and have lower costs. Yet, insurance companies don’t always make it easy to see the provider you choose. One survey found that three-fourths of OB-GYNs reported that patients needed to return to their primary care physicians for permission to get follow-up care.
Read the complete Fact Sheet at the site…

April 26, 2012

STOP Collectors Dead!

Posted in LEGAL ISSUES tagged , , , , , , , , , , , , , , at 5:23 am by PCOSLady


Bill Collectors – BEWARE!
Collection calls are a pain! I just posted my Cease and Desist Letter in a forum and FaceBook for moms… I strongly suggest you copy the letter and pass it on to help others… Clark Howard calls them a Drop Dead Letter… Collectors are outta hand today! Why not STOP them in their tracks?
As a prior licensed bill collector:
I collected all i called on being nice and helping debtors out…
It is far better to call your creditor and explain your scenario and what you can pay, etc…. Before being late is best…
KEEP NOTES! (date, time, who, company, convo)
Keep proof of payment with last statement showing o balance forever!
Buy at Radio Shack: Removable Telephone Pickup… Attach it to your phone receiver and a tape recorder…
~ Check your state laws on recording though…
– Hope this all helps…
Tweak the letter how you want and need it to be…
Send it certified!
I have never been bugged after this was sent out!
Keep a copy for you…
~ ~ ~
Your Name:
Your Address:
Date: __________________________
Company: _______________________________________
Ref/Acct #:_______________________
Dear Sir / Madam:
This will serve as your legal notice pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. section 805, to cease and desist all further communication with me in regard to the above referenced debt or debts. You are hereby instructed to cease collection efforts immediately or face legal sanctions under applicable Federal and State law.
– Fair Debt Collection Laws:
… I am providing notice that i will file a formal complaint with the Federal Trade Commission (which is responsible for the enforcement of the FDCPA) and the Attorney General of my state if the collection agency does not comply with my letter…
… I am providing notice that i intend to file suit against the collection agency if any negative information is placed on my credit reports….
… I am providing notice that i intend to keep a log of any contacts the collection agency makes after they receive this letter…
… My employers, be it past or future, prohibits calls from collection agencies, i demand that the collection agency not contact me at my place of employments…
… I further demand collection agencies not contact my relatives, friends or neighbors for any reason…
Special Notice:
1. The itemized list of charges need to be sent to me explaining where the balance and charges originated from…
2. This account will not be activated til I deem it worthy of paying a penny to the original creditor…. (Unless account has been “SOLD”)
3. Any and all information on me is “PRIVATE”…
First Name… Last Name
Added Notes:
* Should put – All correspondence will be in writing “only” from this day forward!
This is where you should make them aware if the debtor has a heart condition (legit that a doctor can back it up)…
~ Heart and terminal medical conditions can not be stressed cause it worsens the illness!
~ ~ ~ ~ ~ ~ ~ ~
~ ~ ~ ~ ~ ~ ~ ~
~ Wilkipedia… Read all about the Do’s etc… of collectors, etc…
~ Clark Howard… Scavenger debt collectors seeking default judgments from unsuspecting consumers…
~ Consumer Fraud Reporting.Org…
~ Bud Hibbs… Consumer Credit Expert
~ Federal Trade Commission … Fair Credit Reporting Act …



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