January 2015

VOICEThe Senior

Published Locally Since 1980 January 2015

Wall Street Banks...

Again?

Women of the West

2 • The Senior Voice •January 2015

Published Locally Since 1980Vol. 35, No. 2

PUBLICATION INFORMATIONThe Senior Voice news is locally owned and has been published the first of each month since 1980 for residents in Fort Collins, Greeley, Loveland and nearby towns.

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By Carol Cox Prairie Rose Henderson, the genteel daughter of a Wyoming rancher, threw officials of the Cheyenne Rodeo into a tailspin in 1901 when she declared she would like to enter the bronc-busting contest. “Can’t be done,” said the offi-cials. “Rodeos are for men.” “By whose rules?” asked Rose. “By the rule book.” “Show me that rule,” she said. The officials could not show her such a rule in writing. Her behavior was considered scandalous, but her ability on a sunfishing bronc was sheer talent. And her audacity opened the door for women in rodeos and other professions. Promoters of rodeos, quick to recognize a crowd-pleas-ing change, began to advertise the female bronc riders. No early rodeo was complete unless Lucille Mulhall appeared on the program. The daughter

of Colonel Zach Mulhall, owner of the famous 101 Ranch, she worked with such stars as Tom Mix and Will Rogers. She added President Teddy Roosevelt to her list of admirers when she roped a running coyote for him at her fa-ther’s ranch. Tad Lucas was born in Ne-braska in 1902, the youngest of 24 children. She was also fearless and loved horses. She was the champion trick rider in Cheyenne from 1925 to 1933. She suffered a severe in-

jury at the Chicago World’s Fair in 1933, and doctors told her she would lose her arm and never ride again. She proved them wrong. Within two years, she was bronc busting again. Another pioneer was Fannie

Sperry Steele. Breaking horses was second nature to her, having been born on a homestead near Helena, Montana, with wild hors-es in the nearby mountains. In 1912, Fannie rode an out-law bronc called Red Wing at the Calgary Stampede. The glisten-ing sorrel stood taut, a shudder rippled across his flanks. Fannie signaled, and the gate opened. The ride that followed is recorded in rodeo annals as one of the best ever made by a man or woman. Fannie won the respect of the finest riders in the West.

Tillie Baldwin was one of the first women bulldogers. Her graceful, feminine body gave no clue of her powerful biceps and forearms—until she grabbed a steer. Then it became obvious. Tillie loved doing the unusual. She was one of the first to do the Roman-stand trick roping, and the crowds loved it. Alice Greenough was born near Red Lodge, Montana, in 1902. Her father, “Packsaddle” Ben Greenough, won the first bronc-busting contest in Montana. Ben had batched on the Little Big Horn River with Curley, General Custer’s Indian scout. Curley’s claim to fame was that he was not with Custer at the famous last stand. Many years have passed since those women in billowy skirts first challenged the cowboys. But they deserve to be remembered.________________COVER PICTURE: Mod-ern cowgirl Chelsea Drake and her horse Raven. Photo courtesy of Chelsea Drake ([email protected]). ■

MANY YEARS HAVE PASSED SINCE THOSE

REMARKABLE WOMEN IN BILLOWY SKIRTS

CHALLENGED THE COWBOYS.

Early photo of some rodeo cowgirls. National Archives.


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(Editor’s Note: Here is part of a speech U.S. Senator Elizabeth Warren made in Congress in De-cember concerning the de-reg-ulation of Wall Street banks that taxpayers bailed out in 2008.)

By Senator Elizabeth Warren Democrats don’t like Wall Street bailouts. Republicans don’t like Wall Street bailouts. The American people are disgusted by Wall Street bailouts And yet here we are, five years after Dodd-Frank with Congress on the verge of ramming through a provision that would do nothing for the middle class, do nothing for community banks, do nothing but raise the risk that taxpayers will have to bail out the biggest banks once again... A century ago Teddy Roos-evelt was America’s Trust-Buster. He went after the giant trusts and monopolies in this country, and a lot of people talk about how those trusts deserved to be broken up because they had too much eco-nomic power. But Teddy Roosevelt said we should break them up because they had too much political pow-er. Teddy Roosevelt said break them up because all that concen-trated power threatens the very foundations up our democratic system. And now we’re watching as Congress passes yet another pro-vision that was written by lobby-ists for the biggest recipient of bailout money in the history of this country... If a financial institution has be-come so big and so powerful that it can hold the entire country hos-tage, that alone is reason enough to break them up. Enough is enough with Wall Street insiders getting key posi-tion after key position and the

kind of cronyism that we have seen in the executive branch. Enough is enough with Citigroup passing 11th hour deregulatory provisions that nobody takes ownership over but everybody will come to regret. Enough is enough. Washington already works really well for the billionaires and the big corpora-tions and the lawyers and the lob-byists. But what about the families who lost their homes or their jobs or their retirement savings the last time Citigroup bet big on de-rivatives and lost? What about the families who are living paycheck to paycheck and saw their tax dol-lars go to bail out Citigroup just six years ago? We were sent here to fight for those families. It is time, it is past time, for Washington to start working for them.________________Congress passed the bill Sena-tor Warren spoke against, weak-ening regulation of Wall Street banks. More information at www.warren.senate.gov. ■

U.S. Senator Elizabeth Warren spoke in Congress in

December.


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By Lois Hall In the late 1800s, Franklin Moore was a pioneer preacher in Fort Collins who traveled by horse and buggy to Virginia Dale, Masonville, and other small set-tlements. Born in 1855 in New Jersey, he came to Colorado in 1878 at age 23 and became a farmer near Tim-nath. He recalled this story about his neighbors there: “One of these neighbors got angry with another neighbor and came to our house with his six-shooter. He said, ‘I’m going over there and kill Mr. West, and I want you to go along and see that I do it right. This is the way I’m going to do it.’ He placed his revolver right against my heart...I pled with him

for a long time and finally per-suaded him to go back home.” Moore also recalled the time one Fort Collins man got drunk and cut his wife’s throat. She ran into the street screaming until she collapsed and died. The towns-people hanged the man that night. It was rough country, and de-cent settlers were eager to have someone who could conduct church services now and then. Moore was a well educated man who saw the need for a civilizing influence in the area. While farming, he studied and became an ordained Presbyterian minister. As soon as people heard that, they begged him to hold oc-casional services in backwoods places like Virginia Dale and

Livermore. Those places were miles from Fort Collins, but Moore rode his buggy to them one weekend each month. He visited families along the way and held services Sunday mornings. “Sometimes the nights were so dark I could not see my horse. But I would give Billy his way, and he would bring me safely home,” he said. Moore seemed especially im-pressed by the women he met, who often had left comfortable homes in the East to build a new life in this wild, unsettled land. After years of traveling the backcountry, Moore became the resident minister at the Second

Presbyterian Church in Fort Col-lins in 1917. He held that position until he retired in 1924 at age 69. Moore and his wife celebrated their 50th wedding anniversary in 1930, and she died that same year. It was hard to lose the woman who had helped him for so long on the frontier. He wrote, “Thus ended the life of the most pure, devout, conscientious person I have ever known.” They were among northern Colorado’s pioneers who deserve to be remembered. ■

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________________Colorado State Representative Joann Ginal in Fort Collins was re-elected to a second term last No-vember and will write a Senior Voice article every other month. Email her at [email protected] .

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By P.J. Hunt The Dent Archaeological Site near Greeley was one of the most important archaeological discov-eries in the United States. A Clovis spear point found there proved that prehistoric peo-ple had been here at least 12,000 years ago. In 1932, a Union Pa-cific Railroad foreman found the site located along the banks of the South Platte River. Archaeologists from Regis College in Denver excavated the site and found the bones of

12 mammoth along with ancient man-made objects that included the Clovis point. This was the first evidence of human-mammoth as-sociation in North America. And at the time, it was the earliest known date for human habitation on the Great Plains Thousands of years later, the plains Indian population was esti-mated to be about 150,000. By the 1800s, the Indians had acquired horses and guns from white men. Unfortunately the Indians also

acquired the white man’s diseas-es, which rapidly reduced their population. The decimation of buffalo herds by the whites also reduced their population. Archaeologists estimate that the number of buffalo on the

plains before white men came was at least 20 million, possibly as much as 60 million. Many pioneers told of traveling with a

wagon train that required all day to pass by a buffalo herd. “They covered the plains as far as the eye could see,” wrote one pioneer. “They wandered con-tinuously, searching for water and pasture. They liked to have break-fast in Texas, dinner in Oklahoma and supper in Wyoming. Greeley was on the western edge of these great herds’ terri-tory. One of the town’s first busi-nesses tanned buffalo hides, made robes, and shipped them east. ■

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A drawing of a mammoth. The Senior Voice archives.


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Healthcare LawBy Bill Lambdin

U.S. Senator Tom Harkin (D-Iowa) told the Huffington Post and other publications that the new Affordable Care Act (ACA) is not a very good healthcare law even though he helped sponsor it. “We had the power to do it in a way that would have simplified healthcare, made it more efficient and less costly, and we didn’t do it,” he said. “We got a system that is com-plex, convoluted, needs prob-ably some corrections, and still rewards the insurance companies extensively,” he added. He also said the Obama admin-istration had the votes in congress to design a much better healthcare system and should have pursued “single-payer right from the get-go, or at least put a public op-tion...We had the votes to do that, and we blew it.” Harkin also criticized the Dem-

ocratic controlled House and Sen-ate for making too many compro-mises and not taking more decisive action on healthcare. “We had the votes, but we talked,” he said. Senator Chuck Schumer (D-New York) spoke recently to the National Press Club and also criti-cized the law, faulting Democrats and the Obama administration for focusing only on healthcare instead of economic issues affecting many more middle-class Americans. “After passing the [healthcare] stimulus,” said Schumer, “Demo-crats should have continued to propose middle-class oriented programs and built on the partial success of the stimulus. But unfor-tunately Democrats blew the op-portunity the American people gave them. We took their mandate and put all of our focus on the wrong problem—healthcare reform.” ■

Taxpayers' Funds Misused? Colorado’s healthcare web-site, Connect for Health Colo-rado, that is supposed to help people find insurance may have illegally used taxpayers’ money to lobby the state legislature, and the state auditor questions $32 million the group has spent, ac-cording to Health News Colo-rado. “We identified several clear violations of federal law,” said Rep. Dan Nordberg. State Au-

ditor Dianne Ray added, “It is frustrating to us that they haven’t read all the regulations when they getting all this money.” Rep. Jerry Sonnenberg said, “If the feds indeed want their money back, how are we go-ing to deal with that?” Connect for Health will receive a total of $177 million of taxpayer money. The state auditor said nearly one in every four dollars spent is questionable. ■

Insurance Changes Many people might be sur-prised to see what changes have occurred in their healthcare insur-ance this year if they examine the plans carefully—or when they try to use the plans. For instance, some plans re-quire you to pay a high deductible up front before the plan pays for any hospital services. That means you might not even get emergen-cy room care until you pay thou-

sands of dollars, said analysts at the ProPublica news organization. Even if you re-enroll with the same insurance plan, you might find your costs and coverage are different from last year. “There’s basically no guarantees that your product looks anywhere near the same as it did last year,” said Car-oline Peason with the consulting firm Avalere Health. ■


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By Lois Hall One of Longmont’s most fa-mous early residents was depart-ment store founder J.C. Penney. He lived there for several years, and it was there that he got his start in business as a young entre-preneur. Born in 1875, Penney came to Colorado from Missouri in 1898 and worked for a department store in Denver. In a letter he wrote to Longmont’s St. Vrain Historical Society years later, he said: “I went to the small town of Longmont where, with my entire savings of $300, I bought a butch-er shop...Longmont’s leading ho-

tel was my best customer. “I was told the hotel’s chef ex-pected a bottle of bourbon each week, and if I was not forthcom-ing, he would patronize my com-petitor. I wanted so much to be a success that I bought him a bottle the first week. “Shortly thereafter, I had a strange feeling and asked myself how my father would feel about my using whiskey as a bribe to gain business. It was so contrary to the moral and ethical principles I learned from my parents that I resolved never again to accede to the chef’s wishes.

“As a result, I lost the hotel’s business and in turn my own butcher shop. Out of this business venture, I learned three very valu-able lessons: Never compromise, never resort to expediency, never go into anything I know nothing

about.” Penney then went to work at a local dry goods store. In 1902

he went to Kemmerer, Wyoming, and opened his first J.C. Penney store as owner. Years later, the 169th store was opened in Long-mont on the same block where Penney’s failed butcher shop had been. He eventually had nearly 2,000 stores nationwide but said he al-ways remembered his years in Longmont with fondness, partly because that was where he mar-ried a beautiful young woman named Bertha Hess. Penney died in New York City in 1971 at age 95. ■

“I WENT TO THE SMALL TOWN

OF LONGMONT WHERE, WITH

MY ENTIRE SAVINGS OF

$300, I BOUGHT A BUTCHER SHOP.”

J.C.Penney'sfirstdepartmentstoreinKemmerer,Wyoming.The Senior Voice archives.

FAMOUS CITIZENOF

Longmont


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ACROSS1. Sound of disgust4. Cook’s protection9. Memento storage area13. Agile biped14. Up for (uncertain result)15. Rex or Donna16. Mountains in southern Colorado19. Name on a B-29 bomber20. Famed computer of films22. Shine’s partner23. “I need to hear a “yes answer.”25. Upon28. “ walks in beauty like the night…”29. Suffix with certain tumors31. Chinese language or Hawaiian assembly32. Mine tunnel34. Enter with difficulty36. Repressive or judgmental as a culture or society39. Large mollusks41. Sound from an aggressive dog43. Legal “thing”44. Terrell Davis of the Broncos had over 2000 one year (abbr.)46. Grand Junction to Santa Fe dir.47. Many U.S. war vets face this issue (abbr.)49. Skiers make these shapes on the slopes52. “Are you upset, or is ?” 54. out a living56. An apprentice he goes58. Denver’s start to the Christmas season61. Knievel of daredevil stunts62. Acted like a mole?63. Edible root64. Town on the Big Thompson River

65. What a puppy says with his eyes66. Lord’s Prayer pronoun

DOWN1. Stun gun2. Peaks in southern Colorado3. is in Park County south-east of Breckenridge4. Tourist stop in India5. Pasta sauce brand6. Their screens may show blips7. You must summons of the court8. Part of the U.N.9. Diva’s highlight10. Electric car maker named for one time Colorado scientist11. Asian holiday12. Promise often made in church17. Very happy18. Equilateral parallelograms other than squares21. Word before fluid or tap24. Best time for a shootout26. Hitting this might win you the game27. Jacques Cousteau’s “yes”30. The basics of elementary school32. Bronco in Canton33. He plays between Nolan and D. J. for the Rockies34. Comes down with, as an illness35. Midwestern capital city37. Definitely!38. Thomas Hardy heroine40. Casino play 42. What the loser might demand45. The board didn’t to give him the prize48. Wolfe of the Broncos50. Much of Denver’s water originates on the West .51. West coast capital city53. Alexander Pope’s “ on Man”55. Leafy vegetable57. Carnival offering58. “P” of MPG59. One of the Gabor’s60. Paranormal’s aid


By Bill Lambdin Loveland resident Fran Robi-son wrote an unusual book about early women in the town titled “Addressing History: The Pio-neering Women of Loveland in Period Costume.”

It contains biographies of the first female settlers, their photo-graphs, and photographs of dolls wearing clothes worn when those women lived. The clothes were handmade by Fran and put on dolls made by her friend Ann Stapleton. The photo shown here accom-panies a story about Albina Wash-burn. Here is an excerpt from that story. “Albina was born in 1837 in Il-linois and married John E. Wash-burn at the age of 16. With their seven-year-old daughter, they moved to Loveland in 1862. “The Ben Holladay Overland Stage Line ran from Denver to Salt Lake City, Utah, and for sev-eral years the Washburns kept the stage station...The winter of 1864 was a particularly bad one. On one occasion, the coach brought in five passengers from the gold fields of Montana with frozen

feet... The first school was taught by Albina in 1864, several years be-fore the organization of the school districts, and was held for three months out of a year in a log cabin on the Chubbuck place. “Albina was a staunch sup-porter of women’s rights and was

active politically. In 1876, she and her husband John were officers of the Territorial Women’s Suffrage Society.”______________Fran Robison’s book is available for $7.50 at the Loveland Museum/Gallery or email [email protected]. ■

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LOCAL MATTERS!

www.columbinehealth.com

Healthcare Poll For health insurance, nearly 60% of adult Americans would favor a government-run system like Medicare for everyone over the kind of insurance we now have. That’s according to a recent CBS News/New York Times poll. Also about one-third of respondents said someone in their family had to go without needed medical treatment because of cost in the past few years. Nearly 25% said they are less likely to see a doctor than they used to be because of cost. The new healthcare law makes insurance available to more people, but it does not address the cost of care. Poll respondents said those costs are more of a hardship now than they were before the law took effect. ■

Albina Washburn. Photo Loveland Museum/Gallery.

www.csuosher.org


Family Health GuideDangerous Device The FDA warned that a device called a power morcellator used to pulverize uterine fibroids (be-nign tumors) in women actually causes cancers to spread, if there are any cancers. Knee Pain It appears to be inherited if due to osteoarthritis, said researcher Dr. Graeme Jones in a report in the Annals of Rheumatic Diseas-es. “Consider medications such as glucosamine if at high risk,” he suggests.Farmers’ Markets One-fourth of the parsley, basil and other herbs sold at farmers’ markets in several cities contained E-coli, said a study reported in the Journal of Science of Food and Agriculture. Hot Flashes Acupuncture might help re-duce their severity and frequency for some women, said a report in the journal Menopause published by the North American Meno-pause Society.Prostate Cancer Test The value of a PSA test con-tinues to be questioned by numer-ous medical groups, including the American College of Physicians, U.S. Preventive Services Task Force, and the Canadian Task Force on Preventive Health Care. They say the test often leads to

unnecessary surgeries with un-wanted side effects like erectile dysfunction. But many doctors disagree and continue to do the PSA test.ACL Surgeries Most athletes who have this knee surgery continue to partici-pate in sports, but only about half are able to return to competitive sports, said a report in the British Journal of Sports Medicine. Pancreatic Cancer Its risk might be reduced con-siderably by taking low-doses of aspirin daily, said a report in Can-cer Epidemiology, Biomarkers & Prevention by Yale University re-searchers.Autism Pregnant women exposed to high levels of air pollution (smoke, smog and particulates) might be more likely to give birth to a child with autism, said a re-port in the journal Environmental Health Perspectives. Back Pain Steroid injections in the spine provide little relief from back and leg pain for most people, said a report in the New England Jour-nal of Medicine by researchers at Rush University in Chicago. It has become “the thing to do,” and doctors do it for hundreds of thou-sands of people. But they should

reconsider, said Dr. Gunnar An-deersson.Female Fertility Polycystic Ovarian Syndrome (ovarian cysts) affects about 10% of women of child-bearing age and often impairs their fertility, said a report by researcher Dr. Scott Lucidi at Virginia Common-wealth University. ■

Employers' InsuranceBy Jay Hancock - Kaiser Health News

As employers try to minimize expenses under the health law, the Obama administration has warned them against paying high-cost workers to leave the company medical plan and buy coverage elsewhere. Brokers have been offering to save large employers money by shifting workers with expensive conditions such as hepatitis or he-mophilia into insurance market-place exchanges established by the health law.

Because most large employers are self-insured, moving even one high-cost worker out of the com-pany plan could save a company hundreds of thousands of dollars a year. That’s far more than the $10,000 or so the company might give an employee to pay for an exchange plan’s premiums.________________Kaiser Health News is not affili-ated with Kaiser Permanente in-surance. ■

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By Bill Lambdin “I fell on my knees and thanked God for my deliverance!” That was what Elkanah Lamb said after he narrowly escaped death while climbing Longs Peak near Estes Park in 1871. He was not the first man to climb the peak, but he was the first to come down the danger-ous east side of this 14,255-foot mountain. Climbing up, he followed a route used by others. But he de-cided to try a new route down. It became known as “Lamb’s Slide” because he slipped, slid along a steep precipice, and al-most fell to his death near the ver-

tical east face of the peak. “With finger holds in meager niches of the wall and my feet pressing the edge of the ice, I started across this dangerous sec-tion,” he later wrote. “My feet slipped, and down I went...An eternity of thought, of life, death, wife and home con-centrated in my mind in those seconds. “Fortunately I threw my right arm around a projecting boulder. This sudden stopping of my ac-robatic performance brought my long walking appendages around with a musical swish...spilling all the specimens I had gathered on the summit, which went sliding and jumping downward. “Here I was swinging with my right arm around this boulder, at least five feet from the body of the mountain. Getting my pocket knife out, I opened it with my teeth and began digging a niche in the ice for a toe hold... “Putting the tip of my left foot in the shallow niche I had cut (knowing that if my foot slipped, I was a lost Lamb), I gave a huge lunge, just managing to reach the foot of the mountain. “Drawing myself out of this perilous situation...I immediately fell on my knees and thanked God for my deliverance.” Lamb had no experience and no mountain climbing gear. But he had supreme confidence in himself. He was well over six feet tall, a God-fearing, pulpit-pounding minister, and one of Colorado’s most colorful pioneers. The place he descended Longs Peak is still called Lamb’s Slide. Born in 1832 in Indiana, he came to Estes Park in 1871 and in one day rode a horse 35 miles from the plains to Estes. The next

morning, he was dismayed to find his horse dead. A man of tremendous energy and strength, he was determined to overcome any obstacle. When the small congregations he served could no longer afford him as a circuit-riding preacher, he built a cabin below Longs Peak and be-gan guiding visitors up the moun-tain for $5 a person. “If they would not pay for spir-itual guidance, I compelled them to divide for material elevation,” he said. He climbed the peak nearly 150 times and over the years built a successful tourist business at his Lamb’s Ranch, which later became known as Longs Peak Inn after his nephew, Enos Mills, bought it and made it a favorite with many early visitors. Lamb built the first wagon road south of Estes Park to his ranch. If you drive the Peak to Peak High-way today (Hwy. 7) you are on much of his road for nine miles south of Estes. Pioneer Abner Sprague recalled that Lamb used a clever ruse to collect toll fees on his road: “To make it inviting, the gate was left open so you could drive up to the house. When you had made your call or received the in-formation that you were at the end of the road, and started on the re-turn trip, you would find the gate closed and would be asked to pay a toll, both ways.” Lamb also preached occasion-al sermons in Estes Park to earn

money, being an ordained minis-ter of the Church of the Brethren. “As long as there are eight or ten gathered in the name of the Lord, I will preach,” he said. Listeners described his sermons as being peppered with protesta-tions of “Hell fire and damna-tion” and recalled his shouting and pounding from the pulpit. In fact, one man who attended many ser-mons wrote a poem about Lamb: “Elkanah was a preacher of old/A United Brethren, fearless and bold...His six feet of person shook in the breeze/Like a gale roaring fierce among the trees...” Pioneers remembered that Lamb would launch into a sermon at the drop of a hat. He’d whip out a white handkerchief, spread it on a table or whatever was available, slap his Bible on it, lay his cigar on the window sill, and begin. Lamb said his first name, El-kanah, was a biblical word mean-ing “possessed by God.” One per-son recalled, “The collection plate was more heavily laden when the sermons were shorter.” Lamb died in 1915, the year the beautiful wilderness where he lived became protected through the establishment of Rocky Mountain National Park. You can still see some build-ings on his ranch south of Estes Park on Highway 7, where most people pull off to view Longs Peak and the Enos Mills home-stead cabin. Lamb was, as pioneers said, “a genuine article.” ■

He Slid DownLONG’S PEAK

Lamb's slide, left with snow. The Senior Voice archives.


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Doctor ShortageBy Julie Rovner - Kaiser Health News

You hear the nation is facing a serious shortage of doctors. But is that really the case? Many medical groups, led by the Association of American Medical Colleges, say there’s lit-tle doubt. “We think the shortage is going to be close to 130,000 in the next 10 to 12 years,” says Atul Grover, the group’s chief public policy officer. But others are less convinced. “Concerns that the nation faces a looming physician shortage, particularly in primary care spe-cialties, are common,” wrote an expert panel of the Institute of Medicine (IOM). “The committee did not find credible evidence to support such claims.” Those warning of a shortage have a strong case. Not only are millions of Americans gaining coverage through the Affordable Care Act, but 10,000 baby boom-

ers are becoming eligible for Medicare every day. While few dispute the idea that there will be a growing need for primary care in the coming years, it is not clear whether all those primary care services have to be provided by doctors. “There are a lot of services that can be provided by a lot of people other than primary care doctors,” says analyst Gail Wilensky. That includes physician assistants, nurse practitioners, and even pharmacists and social workers. “Team-based care,” in which a physician oversees a group of health professionals, is consid-ered not only more cost-effective but also a way to lower the num-ber of doctors the nation needs.________________Kaiser Health News is not affili-ated with Kaiser Permanente in-surance. ■

Insurance CoverageBy Julie Rovner - Kaiser Health News

A story on NPR described the “family glitch” in the Affordable Care Act (ACA). That’s when peo-ple can’t afford their insurance at work but make too much to qualify for subsidies on the new insurance exchanges. Many of these mostly middle-income Americans will re-main uninsured. That got us wondering who else is being left out by the health law? And who is getting coverage? Several surveys agree that be-tween Sept. 2013 and Sept. 2014, the uninsured rate dropped about five percentage points. That trans-lates into about 10 million more people getting health insurance during the year. A series of surveys looking at who got coverage found the biggest gains have come among groups with large numbers of uninsured people. That includes young adults who are just start-

ing out in the job market, people of color, people in states that ex-panded their Medicaid programs, people with lower incomes, and people in rural areas. The biggest group not to get coverage is probably undocu-mented immigrants. They are not eligible by law to purchase cover-age in the health exchanges. The next big group is adults with low incomes who aren’t dis-abled and aren’t parents but who live in the 23 states that haven’t expanded the Medicaid program. The law was written to extend Medicaid to all low-income peo-ple, so you’re not eligible to buy coverage on the exchanges if your income is under the federal pov-erty line.________________Kaiser Health News is not affili-ated with Kaiser Permanente in-surance company.

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Insurance CostsBy Michelle Andrews - Kaiser Health News

When shopping for health plans, the dollar amount of the deductible is usually easy to find in plan materials. But with family coverage it may be necessary to dig deeper to find out how much you’ll owe before insurance kicks in to cover your costs. Is there one deductible for the whole family or separate deduct-ibles for each family member? The answer could make a big difference in your out-of-pocket costs. In a typical plan with a single $3,000 deductible, a three-person family will generally have to col-lectively spend that amount out of pocket for medical services be-fore the plan starts paying. But some plans have both a total deductible and separate de-ductibles for each family member. In that case, the same $3,000 de-ductible family plan might have

separate $1,000 deductibles for each family member. A plan with a separate deduct-ible can be a good option if a fam-ily knows one of them will likely require more medical care than the others, says Sabrina Corlette at Georgetown University. In the example above, if one family member covered by the separate deductible plan has a chronic condition and expects to rack up $2,000 in medical bills, insurance will start paying after the person spends $1,000 even if the family has not reached a total of $3,000 in out-of-pocket pay-ments. But if a plan has a single $3,000 deductible, insurance gen-erally wouldn’t pay until the fam-ily has spent the entire $3,000.________________Kaiser Health News is not affili-ated with Kaiser Permanente in-surance company. ■

Medicare PenaltiesBy Jordan Rau - Kaiser Health News

In its toughest crackdown yet on medical errors, the federal government is cutting payments to 721 hospitals for having high rates of infections and other pa-tient injuries, records released Thursday show. Medicare assessed these new penalties against some of the most renowned hospitals in the nation, including the Cleveland Clinic. One out of every seven hospitals in the nation will have their Medi-care payments lowered by 1 per-cent through September 2015. The health law mandates the reductions for the hospitals that Medicare assessed as having the highest rates of “hospital-acquired conditions,” which include infec-tions from catheters, blood clots, bed sores and other complications. Dr. Eric Schneider, a Boston health researcher who has inter-viewed patient safety experts for his studies, said research has dem-onstrated that medical errors can

be reduced through a number of techniques. But “there’s a pretty strong sense among the experts we talked to that they are not widely implemented,” he said. Those methods include enter-ing physician orders into comput-ers rather than scrawling them on paper, better hand hygiene, and checklists on procedures to fol-low during surgeries. “Too many clinicians fail to use those tech-niques consistently,” he said. The penalties come as the hos-pital industry is showing some success in reducing avoidable errors. A recent federal report found the frequency of mistakes dropped by 17 percent between 2010 and 2013, an improvement U.S. Health and Human Services Secretary Sylvia Burwell called “a big deal, but it’s only a start.”________________Kaiser Health News is not affili-ated with Kaiser Permanente in-surance. ■

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A little girl told her grandma, “I’m glad to see you, Grandma. Now maybe Daddy will do the trick he mentioned.” The grandmother was curious. “What trick is that?” “He told Mommy that if you came to visit he would climb the walls.” A man married a Colorado woman and told her expected her to keep the house clean, cook the meals, do the dishes, do the laun-dry, and take care of the yard. The first day of the marriage, he saw nothing done. The second day, he saw some things were done. The third day, he saw that everything was done. His brother married a Wyo-ming girl and told her the same things. The first day, he saw noth-ing, the second day he saw noth-ing, and the third nothing. By the

fourth day, he could see a little because the swelling in his eyes had gone down. It was Palm Sunday and, be-cause of a sore throat, 5-year-old Johnny stayed home from church with a sitter. When the family returned home, they were carrying several palm branches. The boy asked what they were for. “People held them over Jesus’ head as he walked by,” said his mother. “Wouldn’t you know it,” John-ny fumed. “The one Sunday I don’t go, He shows up!” A little boy asked his grandma how old she was. She answered, “Thirty-nine and holding.” He thought for a moment, then said, “And how old would you be if you let go?”

A little girl in church for the first time watched as the ushers passed around the offering plates. When they came near her seat, she said loudly, “Don’t pay for me, Daddy, I’m under five.” The Sunday School teach-er asked, “Johnny, do you say prayers before eating?” “No,” he replied. “We don’t have to. My mom is a good cook.” Lines from clever people: Have you ever stopped to think that if Adam came back today, the only thing he’d recognize would be the centerfolds? —Robert Or-ben Give me my golf clubs, the fresh air and a beautiful partner, and you can keep the golf clubs and fresh air. —Jack Benny Deceiving my wife is like try-ing to sneak a sunrise past a roost-er. —Roy Hatten

Why can’t life’s problems hit us when we’re 17 and know ev-erything? —A.C. Jolly Before deciding to retire, stay home for a week and watch the daytime TV shows. —Bill Cope-land n

Laughter: Best Medicine

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P erhaps the most beautiful thing about snow is watching someone else shovel it.

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January 2015