Monthly Archives for May 2002

Today’s Seniors are Healthier, But More Are Uninsured

Published in Pawtucket Times on May 27, 2002

Three years ago, Alice, 60, lost her job as a graphic designer along with 143 co-workers when the Providence-based company closed. Corporate management had made the decision to  move South to tap into a cheaper labor pool.

The Pawtucket resident considered her full-time job to be a fulfilling one. Most important, she had good health insurance coverage with a very nominal monthly cop-pay of $ 80. Although she received coverage under COBRA, Alice’s monthly health care premium shot up to $ 256. When the federally mandated health insurance coverage ended, her monthly health insurance premium almost double to $ 600.

Alice never went back to full-time employment, choosing to take partial retirement in order to collect a pension. To make ends meet, she is currently teaching art classes and working part-time for a nonprofit art group. When her COBRA coverage ran out, Alice signed up for health insurance coverage from the National Association of Self-Employed. This reduced her monthly premium to $ 253; however she was left with a $ 10,000 deductible per year.

At age 60, Alice recently had a hip replacement surgery. Before the operation, the hospital required a $ 5,000 down payment, forcing her to withdraw money from her several saving accounts. Now recuperating from surgery that costs more than $ 10,000, she is about $ 5,000 in debt.

According to a new AARP report, seniors age 50 and over may be healthier and living longer overall, but their long-term health security remains at risk. In the Ocean State, Alice and other seniors have lived the findings of the report. They struggle to maintain their costly health insurance  coverage.

The report, “Beyond 50: A Report to the Nation on Trends in Health Security” is the most comprehensive picture to date of the state of health care for older Americans.

Changes in health security during the last 20 years have been driven by increased reliance on prescription drugs and other innovative technologies, changes in chronic disease and challenges in chronic care, greater longevity and functional limitations patients’ roles and responsibilities as consumers and fluctuating cost growth, the AARP report finds.

“Americans age 50-plus have the chance to capitalize on wonderful advances in longevity. But they need a chain of dominoes to fall right – initial good health, adequate health care coverage, affordable quality care that’s easy to access and a system that encourages informed decision making,” said AARP CEO Bill Novelli.

“Missing one of these dominoes puts a person’s – and a generations – whole health security at risk,” says Novelli.

At age 50, Americans can expect to live another 30 years, the report notes, almost nine years longer than expected in 1900, and fewer are suffering disabilities. The aging baby boomers are healthier with fewer smoking and more using preventative services and trying to exercise.

The AARP report also found that more people age 50-64 are uninsured than in the past and those with insurance are worried about losing what coverage they have or receiving fewer benefits in the future because Medicare doesn’t cover prescription drugs and few Americans have long-term care insurance.

“It’s a good news/bad news report,” said Novelli. “Personal behavior can make a positive difference in people’s health and longevity, but health care for Americans age 50-plus is harder to get, to pay for and to manage. The health care system is a non-system.”

The AARP report calls for the public health system to continue to promote positive health behaviors.

In addition, the general lack of long-term care coverage and the increasing inadequacy and instability of health care coverage for portions of the 50-plus population must be addressed by policy makers.

In 2000, 39 million Americans were uninsured. Out of this number, 5.2 million were seniors between  ages 50 to 64. With the graying of America’s population, the Rhode Island congressional delegation must work closely together to craft meaningful legislation that will create a safety net for the underinsured and uninsured. It’s now time to fix this long-debated policy problem once and for all.

Every senior must have access to affordable health care services. For me, that right is as American as apple pie.

Inaction on RIPAE Proposals Would Be a State Tragedy

Published in the Pawtucket Times on May 20, 2002

Lawmakers are rushing to finalize the state’s business, hoping to adjourn as early as the end of May.

With thousands of proposals in the legislative hopper, each representative was directed by House leadership to choose three of their own sponsored bills to push for in the Senate.

All legislative proposals that do not make the “priority” lists are as good as dead for the year.

At press time, one proposal, Pharmaceutical Assistance for the Elderly Program (RIPAE) moves closely to passage.

The House Finance Committee has put the proposal (H 7291) into the state budget article. Susan Sweet, a consultant and aging advocate said she expects full House passage of the state budget article by the end of the week.

Once passed by the House, the state budget article goes to the Senate for their consideration and approval. Sweet told All About Seniors that she believes that the Senate will quickly pass the budget, too.

With passage, the final state budget will be  forwarded to Governor Lincoln Almond.

Under H 7291, the state Department of Human Services would seek a waiver from the federal government, allowing Rhode Island to use Medicaid funding to pay for prescription drugs for low-income seniors with incomes up to $ 17,720 and couples with incomes up to $ 23,880.

The legislative proposal, authored by Lt. Governor Charles Fogarty and sponsored by Rep. Constantino and House Finance Chairman Gordon Fox, would enroll about 90 percent of the 37,000 seniors now enrolled in RIPAE. Because seniors would now qualify for prescription drug coverage under Medicaid all U.S. Food and Drug Administration (FDA) drugs would be covered not just those currently covered by RIPAE.

Seniors would pay a small copayment rather than the 40 percent co-payment currently charged.

With the passage of the state budget article, then “cleanup” begins on all legislative proposals, Sweet noted, adding that the two other RIPAE proposals have not been acted upon yet.

These legislative proposals would make prescription drugs more affordable to seniors and persons with disabilities who are not covered by the Medicaid waiver.

One bill (H 7290) would allow seniors enrolled in the RIPAE program to buy prescription drugs not currently covered by RIPAE at the discounted state price.

The other (H 7524) would allow low-income disabled persons on Social Security Disability Income who are between ages of 55 and 65 to become members of RIPAE and purchase prescription medications at the state discounted rate. Under booth, the state would be able to obtain the manufacturer’s rebate available through RIPAE.

Sweet along with other aging advocate groups, has called on the Rhode Island General Assembly to pass the three RIPAE proposals, which don’t cost the state one penny.

Not acting on them will continue a tragic trend that is well-documented in Rhode Island and nationwide.

That is, the high cost of prescription drugs forces many seniors on fixed incomes into not taking their prescribed medications at all or using only partial doses.

Moreover, noncompliance can lead to unnecessary hospitalization, nursing home admission and premature death.

Even in the shadow of a huge state budget deficit, lawmakers have the opportunity to lower the spiraling out-of-pocket costs of costs of prescription drugs, at no cost to the state.

The Ocean State is now posed to enact sound public policy that will result in no fiscal impact to state coffers.

If Congress is not ready to tackle this aging policy issue through the creation of a Medicare pharmaceutical benefit, then the Rhode Island General Assembly must take the lead and pass the three RIPAE proposals.

Simply put, it is the right thing to do on behalf of older and disabled constituents.

Beer Commercial Brews Condemnation from Senior Organizations, Advocates

Published in the Pawtucket Times on May 13, 2002

This Bud’s Not for You.”

That’s what radio commentator Bill Benson told his vast WMKV-FM listening audience in Cincinnati, Ohio, last July when he called for Anheuser-Bush to pull a radio commercial that used elder abuse to pitch Bud Ice beer.

Sadly, this month Bill Benson reported in is Washington Aging Report that Anheuser-Busch again has brewed “bad faith” with the showing of another trashy television commercial.

Last July, Benson rallied aging advocates from across the nation to successfully force Anheuser-Bush, the maker of Budweiser beer, to pull a controversial radio commercial off the air.

Benson – a former acting assistant secretary for aging at the U.S. Department of Health and Human Services who now heads the Maryland-based Benson Consulting Group- along with the AARP and aging advocates, condemned the St. Louis-based beer company for using ageism to sell its brews.

Last July, much to the surprise or Anheuser-Busch officials, wide-spread criticism erupted with the release of its advertising campaign, “She Married Steven Buck Simpson.”

The commercial featured a 22-year-old woman gleefully talking about how she physically, emotionally and financially abused her frail 93-year-old tycoon husband. Ultimately, the young woman leaves the country in her elder husband’s private jet taking away all his money.

Benson along with elder law attorneys, ombudsmen, and aging advocates, called the advertising campaign tacky, bombarding the station’s largest beer maker with calls, tells  letters and emails.

“Elder abuse is not a joking matter and your message to the country is inappropriate,” said AARP President Ester Canja in a letter sent to Anheuser-Busch CEO August A. Busch III.

When the dust settled this public relations fiasco, the commercial was quickly pulled.

But now a new television commercial has drawn the ire of Benson and his fellow aging advocates.

In a recent radio commentary, Paul Greenwood, who heads the Elder Abuse Prosecution Union at San Diego County’s District Attorney’s Office, told Benson of a commercial he viewed while watching a televised NBA basketball game on April 29 on TNT

Greenwood became annoyed when Anheuser-Busch ran a spot featuring young people ripping off vulnerable adults.

The offensive commercial began with a young couple seated on a dining room table with the aging parents of the young woman. The young man, evidently the daughter’s significant other tells her elderly parents that he and his daughter look forward to moving in and gaining the property when they die.  Then he apparently complements the elderly parents for still having “motor skills” and finishes by saying, “She tells me you are loaded.”

Every day Greenwood sees the impact of exploitation of older Americans, said Benson.  His unit has prosecuted 124 felony elder abuse cases in 2000, and 147 felony cases in 2001.  This year, the number of cases prosecuted may well reach 225. That’s why Greenwood got offended when the beer commercials trivialized the financial exploitation of the elderly.

Just as he did when the last commercial raised his ire. Benson put the spotlight on the new Anheuser-Busch spot, giving it a thumbs-down in his latest Washington Aging Report and calling on thousands of aging advocates , via the internet, to urge the company to drop the commercial.

At press time, Anheuser-Busch officials had no comment about the latest controversial ad campaign.

Maybe it is time for the beer maker to solicit proposals to seek the services of a new advertising firm, one that can create material that is both humorous and creative, yet not offensive.

At the very least, they should require the creative types who develop the company’s advertising strategies to attend sensitivity training seasons.

In his radio  commentary, Benson firmly stated “my taste buds will no longer taste Bud again.” With hundreds of thousands of aging advocates and seniors following his  lead Anheuser-Busch just might finally get it at least this time around.