Current Status and Insurance Issue

Hi. It has been awhile since my last post. Here’s what’s happening. I finished my Avastin chemo treatments on August 18 2008. That was my 11th and last treatment for this drug. My doctor had originally wanted to go with a 12th treatment on September 17 2008. Those plans changed when my health insurer decided they would not pay for it, the high cost of the treatment, and my doctor deciding that 11 was the lucky number. It’s actually a bit more complicated than this, but I felt okay with the outcome. I’m scheduled for my next scan on October 15 2008. I’m trying not on focus on that set of tests while hoping for the best and preparing for the worst.

I had a significant insurance issue that began 3 weeks ago. The issue is now resolved, mostly to my satisfaction, but it created a high degree of anxiety. Here it is in a nutshell. My insurance company paid for my first 9 Avastin chemo treatments. Before beginning these treatments, my doctors checked and said my insurance would cover them. I was always a bit bothered by how expense each treatment was. On 9/8/08 I received an Explanation of Benefits letter from my insurance company that excluded the Avastin drug that they had previously paid for 9 times. The treatment for the drug delivered on 7/16/08 (my 10th treatment) was not covered. Upon calling my insurance company, I was informed that they would not pay for my prior treatment on 8/18/08, nor any future treatments with this drug for my type of cancer. After carefully reading my 370 page health SUMMARY plan document (get it, 370 pages is the summary), I came to the conclusion that this treatment was definitely covered. It was a chemo treatment and an FDA approved drug. I called my insurance company and after a few discussions came to find out that they put a new internal policy in place on 7/15/08 (one day before my denied 7/16/08 treatment) that excluded coverage of this specific drug for off label use. They told me I could find it on their website under “Providers,” under “Policies,” and then searching for some obscure drug code. After a dozen phone calls, emails, faxes, etc. later, over a 2+ week timeframe, my insurance company decided to do the right thing and pay for my 10th and 11th treatments. I think they reached this decision based on paying for the first 9 treatments and not providing any notice as to a change in their internal policy. The power that they have to place a new policy into effect for a specific drug that is clearly inconsistent with the 370+ page summary plan document is downright scary… as if people don’t have enough to worry about these days. There were many restless nights filled with stress and high anxiety around this whole experience. The lesson learned for me in this is to confirm all expensive treatments in advance directly (and by that I mean directly and take names, dates, and notes) with my insurance company.

On a more positive note, I’m feeling relatively well, continuing to work on my speech by practicing talking in front of a mirror, trying to enjoy each day, and doing some projects around the house. If this upcoming scan is clean and then the scan after that is clean (January 2009), I will begin thinking longer term.

That’s it for today. Thanks for checking in and take care of yourself.

Genius!

My blog has been classified as having a readability level of Genius! How did that happen? I guess I now have a lot to live up to.....

Cobie Smulders picture gallery

Jacoba Fransisca Maria "Cobie" Smulders is a famous television actress and former international model.

Cobie Smulders was born to a Dutch father and a British mother on 3rd of april 1982.
She was very eager to become an actress and her first role was as a guest in the Showtime sci-fi series Jeremiah. But Her first permanent series role was in the short-lived ABC series Veritas: The Quest.

Name: Cobie Smulders
Birth Date: 03-04-1982
Birth Place: Vancouver, British Columbia, Canada

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Money as Debt

Kevin and I, this morning over breakfast, were discussing the current banking situation. In our lifetime, certainly in our perception, it is extraordinary for banks to be other than safe. We found ourselves asking questions we did not have the answer to, and it made me realize that so many of us do not really understand fully our banking systems or even realize that we don't.

Shortly after our conversation I found this on a blog that I read and felt that I should share it. It is a 45 minute video so I would understand anyone feeling that they do not have time to watch, but I beg you to find the time. While you may not have asked the questions yourself, be sure that the information in this video will probably surprise.

I wonder if when we talk of the end of the world, what we really mean is the end of the world as we know it. I have often seen the year 2012 predicted as an apocalypse or a new beginning. Is this perhaps a reference to a new world wide monetary system needing to be put in place? Would it take that long? It would certainly lead to a transformation of the world as we know it.

Money as Debt Part 1 of 5



Money as Debt Part 2 of 5



Money as Debt Part 3 of 5



Money as Debt Part 4 of 5



Money as Debt Part 5 of 5



Source: collaboratingwithfate.blogspot.com/2008/09/credit-circulation-coins-collusion.html

Courteney Cox wallpaper gallery

Courteney Bass Cox is also known as Courteney Cox Arquette, is an American actress, former model and film producer. Courteney Cox is known for her role as Monica Geller in the famous TV sitcom Friends and as Lucy Spiller, in the television drama "Dirt".

Cox was born in a wealthy family in Birmingham, Alabama. Her parents were Courteney and the late Richard Lewis Cox. Cox has two older sisters, Virginia McFerrin and Dottie Pickett, an older brother,Richard,Jr. on june 12, 1999,Cox married David Arquette and On June 13,2004, she gave birth to their first child, daughter Coco Riley Arquette.

Name: Courteney Bass Cox
Birth Date: 15-06-1964
Birth Place: Birmingham, Alabama United States
Spouse(s): David Arquette (1999-present)

Courteney Cox

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What a blow!


Oh dear the times that we live in. My sympathies go to a friend who married last Saturday. I've seen the photos and they clearly had a fabulous time. However they have had to contend with the cancellation of their honeymoon due to the airline bankruptcy. To make matters worse, Ian works for Lehman Bros who also filed for bankruptcy today.

Story at BBC.co.uk

Ian and Lucy Neville, wishing you all the best for the future! With a start like this, let us hope that, it can only get better!

Is My Friend Mad?

This is worth sharing. I cannot say I would have the nerve to leap out of an aeroplane with my faith in only some nylon and a lot of cables, but good on you Kevin Marshall and friends!

Here's hoping that lots of people will sponsor you and your friends, in aid of Centrepoint.

The Chore of Food Shopping

Those who know me well know what a 'computer nerd' I am. Virtually all I am involved in can be linked back to my PC. Well yesterday's chore was to get the weekly food shopping. We have moved house recently and the usual boring task has been made acutely more tiresome now that I find myself using different supermarkets, with different layouts. I never quite got off my PC and went!

I have tried online shopping, comparing the big four, Ocado, Sainsbury's, Tesco and Asda, I am never quite sure I get the best deals, but I hop between them.

Kevin gave me this to look at yesterday, mySupermarket.co.uk, and it does address a lot of the problems of online shopping. The ability to compare prices across the various stores is really useful, the ability to change shop if one of the others is proving cheaper this week. Further it is possible to make substitutes within each shop on price and health properties!

Yes, this amuses me. Well....I have not placed my first order yet, but have imported my favourites and had a bit of a play. Will be using it soon........




princess Diana picture gallery

Diana, Princess of Wales, was the first wife of Charles, Prince of Wales. Diana became a public figure from the announcement of her engagement to Prince Charles. Diana remained the focus of near-constant media scrutiny in the United Kingdom and around the world up to and during her marriage.

After her divorce with prince williams, She publicly dated Hasnat Khan, a heart surgeon from Pakistan. Hasnat Khan was called "the love of her life". After two years Khan ended the relationship due to cultural differences. She soon after began her relationship with Dodi Al-Fayed. On 31 August 1997, Diana died after a car crash in the Pont de l'Alma road tunnel in Paris along with Dodi Al-Fayed.

Name: Diana Frances Spencer
Birth Date: 01-07-1961
Birth Place: Park House, Sandringham, Norfolk
Father: John Spencer, 8th Earl Spencer
Mother: Frances Burke Roche
Spouse: Charles, Prince of Wales(1981-1996)
sons: Prince William of Wales, Prince Henry of Wales
Died On: 31-08-1997
Place of death: Pont de l'Alma, Paris, France
Burial Place: Althorp, Northamptonshire
Titles: Diana, Princess of Wales, HRH The Princess of Wales, The Lady Diana Spencer, The Hon Diana Spencer

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Diana Ross picture gallery

Diana Ross is an American twelve-time Grammy and Oscar-nominated singer, record producer and actress, whose musical repertoire spans R&B, soul, pop, disco and jazz. During the 1970s and through the mid 1980s, Ross was the most successful female artist of the rock era, crossing over into film, television and Broadway.

In 1976, Billboard magazine named her the "Female Entertainer of the Century." The Guinness Book Of World Records" declared Diana Ross as the most successful female music artist of the 20th century with a record total of eighteen American number-one singles.

Name: Diane Ernestine Earle Ross
Birth Date: 26-03-1944
Birth Place: Detroit, Michigan, United States
Profession: Singer, record producer, actress
Genre: R&B, soul, pop, disco, jazz
Years active: 1959–present

Diana Ross

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Daniela Pestova wallpaper gallery

Daniela Peštová is a Czech model. She was born in Teplice, Czechoslovakia on 14th october 1970. She is one of the most popular model and has appeared on the covers of GQ, Marie Claire, Cosmopolitan, Glamour and ELLE.

Peštová married Tomasso Buti in 1995, but the couple divorced in 1998. The couple had a son Yannick Fausto, who was born in 1996. She has also a daughter, Ella, born on 21july 2002, with her present partner, Slovak singer Pavol Habera.

Name: Daniela Peštová
Birth Date: 14-10-1970
Birth Place: Teplice, Czechoslovakia
Height: 5 ft 11 in (1.80 m)
Eye color: Blue
Hair color: Blonde
Spouse: Tomasso Buti (1995-1998)


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Exploring Facebook Pages

We are still working on the main company website. At present the website has a manual order form. We are writing the new ecommerce section in Zen Cart, but it is taking time. In the meantime we have added a page in Facebook and set up a temporary shop, for the stamps alone.

Facebook as a place to introduce our company is a new venture. I am quite interested to look at the resulting statistics showing how quickly and far and wide our readership becomes.

http://www.new.facebook.com/pages/Long-Neck/10119857031

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Emmanuelle Vaugier picture gallery

Emmanuelle Vaugier is a Canadian film and television actress. She acted in television series like Smallville, Two and a Half Men and CSI: New York. She has acted in feature films like Secondhand Lions and 40 Days and 40 Nights.

Vaugier was born in French-speaking French Canadian Catholic household in Vancouver, British Columbia. Emmanuelle Vaugier was placed on #31 spot on Maxim magazine annual Hot 100 list in 2006.

Name: Emmanuelle Vaugier
Birth Date: 23-06-1976
Birth Place: Vancouver, British Columbia, Canada

Emmanuelle Vaugier

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