Sign Language Researchers Broaden Science Lexicon





Imagine trying to learn biology without ever using the word “organism.” Or studying to become a botanist when the only way of referring to photosynthesis is to spell the word out, letter by painstaking letter.




For deaf students, this game of scientific Password has long been the daily classroom and laboratory experience. Words like “organism” and “photosynthesis” — to say nothing of more obscure and harder-to-spell terms — have no single widely accepted equivalent in sign language. This means that deaf students and their teachers and interpreters must improvise, making it that much harder for the students to excel in science and pursue careers in it.


“Often times, it would involve a lot of finger-spelling and a lot of improvisation,” said Matthew Schwerin, a physicist with the Food and Drug Administration who is deaf, of his years in school. “For the majority of scientific terms,” Mr. Schwerin and his interpreter for the day would “try to find a correct sign for the term, and if nothing was pre-existing, we would come up with a sign that was agreeable with both parties.”


Now thanks to the Internet — particularly the boom in online video — resources for deaf students seeking science-related signs are easier to find and share. Crowdsourcing projects in both American Sign Language and British Sign Language are under way at several universities, enabling people who are deaf to coalesce around signs for commonly used terms.


This year, one of those resources, the Scottish Sensory Centre’s British Sign Language Glossary Project, added 116 new signs for physics and engineering terms, including signs for “light-year,”  (hold one hand up and spread the fingers downward for “light,” then bring both hands together in front of your chest and slowly move them apart for “year”), “mass” and “X-ray” (form an X with your index fingers, then, with the index finger on the right hand, point outward). 


The signs were developed by a team of researchers at the center, a division of the University of Edinburgh in Scotland that develops learning tools for students with visual and auditory impairments. The researchers spent more than a year soliciting ideas from deaf science workers, circulating lists of potential signs and ultimately gathering for “an intense weekend” of final voting, said Audrey Cameron, science adviser for the project. (Dr. Cameron is also deaf, and like all non-hearing people interviewed for this article, answered questions via e-mail.)


Whether the Scottish Sensory Centre’s signs will take hold among its audience remains to be seen. “Some will be adopted, and some will probably never be accepted,” Dr. Cameron said. “We’ll have to wait and see what happens.”


Ideally, the standardization of signs will make it easier for deaf students to keep pace with their hearing classmates during lectures. “I can only choose to look at one thing at a time,” said Mr. Schwerin of the F.D.A., recalling his science education, “and it often meant choosing between the interpreter, the blackboard/screen/material, or taking notes. It was like, pick one, and lose out on the others.”


The problem doesn’t end at graduation. In fact, it only intensifies as new discoveries add unfamiliar terms to the scientific lexicon. “I’ve had numerous meetings where I couldn’t participate properly because the interpreters were not able to understand the jargon and they did not know any scientific signs,” Dr. Cameron said.


One general complaint about efforts to standardize signs for technical terms is the idea that, much like spoken language, sign language should be allowed to develop organically rather than be dictated from above.


“Signs that are developed naturally — i.e., that are tested and refined in everyday conversation — are more likely to be accepted quickly by the community,” said Derek Braun, director of the molecular genetics laboratory at Gallaudet University in Washington, D.C., which he said was the first biological laboratory designed and administered by deaf scientists.


This article has been revised to reflect the following correction:

Correction: December 4, 2012

An earlier version of this article misstated the origin of the ASL-STEM Forum.  It was developed by researchers at the University of Washington, not Gallaudet University.  Researchers at Gallaudet and the National Technical Institute for the Deaf at Rochester Institute of Technology work with the University of Washington to provide content and help the forum grow.

This article has been revised to reflect the following correction:

Correction: December 4, 2012

An earlier version of a correction with this article misstated the name of an institute that works on the ASL-STEM Forum. It is the National Technical Institute for the Deaf at Rochester Institute of Technology not the National Institute for the Deaf. 



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Netflix takes Disney pay-TV rights from Starz









Netflix has acquired the exclusive U.S. rights to movies from Walt Disney Studios films, beginning in 2016, in a three-year deal that catapults the Internet video-on-demand service into direct competition with pay-TV giants such as HBO and Showtime.


The news is a blow to the pay channel Starz, which previously had the rights to Disney movies, including its Pixar animated films and Marvel superhero pictures.


Disney has also agreed to immediately give Netflix non-exclusive streaming rights to more of its older library titles including "Dumbo," "Pocahontas" and "Alice in Wonderland."





Starz's sole remaining movie provider is now Sony Pictures. That agreement ends in 2016.


Netflix Chief Executive Reed Hastings and chief content officer Ted Sarandos have long said they wanted to get pay-TV rights to films from one of Hollywood's six major studios to boost their company's online entertainment service. Currently, it has recent movies only from independent studios such as Relativity Media and FilmDistrict, as well as pictures more than a decade old from every studio, and a wide variety of television reruns.


In a statement, Sarandos called the deal a "a bold leap forward for Internet television and we are incredibly pleased and proud this iconic family brand is teaming with Netflix to make it happen."


Disney movies will become available to stream from Netflix seven to nine months after they are first shown in theaters. A Netflix spokesman said that time frame is "accelerated" compared with when Starz currently gets new releases.


Although terms were not disclosed, a person close to the matter said Netflix could ultimately pay more than $300 million annually for Disney movies.


Earlier this year, HBO cut a deal with 20th Century Fox for its movies, at an estimated price of more than $200 million annually.


In so-called output deals, pay-TV providers typically pay between 10% and 12% of the U.S. box office of each film up to $200 million.


For Starz, losing the Disney movies means the channel will have to create more original content to fill the void. The network has had a mixed track record with its original shows. It succeeded with the gladiator show "Spartacus," but recently canceled "Boss," an ambitious drama starring Kelsey Grammer as a corrupt mayor of Chicago.

"Starz will continue to be the exclusive home of all Disney movies, including the Lucasfilm, Marvel and Pixar releases, and their accompanying digital streaming rights, into 2017," the company said in a statement. "Our decision not to extend the agreement for Disney output past that time allows us the opportunity to implement our plan to dramatically ramp up our investment in exclusive, premium-quality original series which will best meet the needs of our distributors and subscribers."


Previously a DVD-by-mail company that started offering streaming movies and TV shows on computers, Netflix has begun to be a direct competitor to cable channels as more and more people are accessing its video-on-demand content through Internet-connected televisions.


It previously offered movies from Disney and Sony under an agreement with Starz, but that deal ended early this year after the two companies couldn't agree on renewal terms.


The ending of that agreement accelerated a trend that has seen Netflix evolve into a television company, with reruns accounting for more than 60% of the content streamed by users.


The addition of recently released Disney films should slow down that trend and make Netflix more closely resemble premium television networks such as HBO.


In addition, like virtually every cable channel, Netflix has begun moving into original programming. New series such as the Kevin Spacey political drama "House of Cards" and original episodes of the cult comedy "Arrested Development" are to launch in 2013.


Netflix stock skyrocketed on the news, trading up 15% at $87.59 Tuesday afternoon.


Times staff writer Meg James contributed to this report.


ALSO:


Netflix less about flicks, more about TV


Netflix's third quarter earnings tumble amid global expansion


Netflix offered $300 million-plus, but Starz wanted higher rates





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Boehner makes counteroffer on 'fiscal cliff'









WASHINGTON — Rejecting President Obama’s call to raise tax rates for the wealthy, House Republicans unveiled a counteroffer that would cut Medicare, Medicaid, Social Security and other federal programs while raising new revenue by overhauling the tax code.


House Speaker John A. Boehner (R-Ohio) and his GOP leadership team sent the White House the three-page offer Monday afternoon as the administration turned up the volume on their complaints that Republicans have been unwilling to put a serious proposal on the table.


“With the fiscal cliff nearing, our priority remains finding a reasonable solution that can pass both the House and Senate, and be signed into law in the next couple of weeks,” Boehner and the other leaders wrote in the letter to the president, describing a plan that draws from an earlier deficit-reduction proposal from Erskine Bowles, the Democratic former co-chairman of the president’s fiscal commission.





Noticeably missing from the counteroffer, which was also signed by Rep. Paul D. Ryan (R-Wis.) who had been Republican Mitt Romney’s vice-presidential running mate, was Ryan’s House-passed budget proposals for turning Medicare into a voucher-like program for the next generation of seniors.


QUIZ: How much do you know about the fiscal cliff?


“We recognize it would be counterproductive to publicly or privately propose entitlement reforms that you and the leaders of your party appear unwilling to support inn the near-term,” the letter said.


The Republican offer comes as talks to avert the year-end budget crisis that economists warn could derail the economy had hit a stalemate. Existing tax rates will increase Jan. 1, rising about $2,200 on average Americans in the new year, if nothing is done. Enormous budget cuts are scheduled days later, a one-two punch of economic contraction.


Obama has been fighting to preserve the lower tax rates for all but the wealthiest households, those earning more than $250,000 for couples and $200,000 for singles. The president has said the nation can no longer afford tax breaks for the wealthy that would cost about $900 billion over the decade. But Republicans are fighting to keep the tax breaks for all.


Monday, Republicans proposed capturing nearly the same amount of revenue by closing loopholes and limiting itemized deductions on the wealthiest households, while also launching a broader tax-reform process that would lower all tax rates.


Boehner and his team also proposed $1.4 trillion in savings from spending cuts — including healthcare reforms that could include raising the Medicare retirement age and asking wealthier seniors to pay higher Medicare premiums. They also proposed limiting the cost-of-living adjustments for Social Security recipients and others.


Cuts to the entitlement programs have long been discussed as part of a broad deficit-reduction deal, but they are politically unpleasant. By refusing to consider such changes, Democrats forced Republicans to put them on the table.


The Republican proposal is silent on issues Obama had proposed in his offer last week, including a continuation of the payroll tax break and long-term unemployment benefits.


Details of the proposal remain to be worked out, but Republicans suggested a two-part framework, with some of the tax-and-spending changes happening this year and the rest being made in 2013.


Follow Politics Now on Twitter and Facebook


lisa.mascaro@latimes.com


Twitter: @LisaMascaroinDC





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NY Film Critics name 'Zero Dark Thirty' best film

NEW YORK (AP) — The New York Film Critics Circle named Kathryn Bigelow's "Zero Dark Thirty" the best film of 2012, voicing its strong support for the grimly journalistic Osama bin Laden docudrama.

Bigelow, whose "Hurt Locker" won best picture at the Academy Awards in 2010, also won best director in the awards announced Monday, and Greg Fraser won for the film's cinematography.

"'Zero Dark Thirty' confirms the massive talent of Kathryn Bigelow," said NYFCC chairman Joshua Rothkopf, a critic for Time Out New York. "'Zero Dark Thirty' is a very important movie. It's not triumphant and it's still a very significant dramatization of an important event. And we were knocked out by the film."

But the critics group also cast a loud vote for Seven Spielberg's "Lincoln," bestowing it with three awards: Daniel Day-Lewis for best actor, Sally Field for best supporting actress and Tony Kushner for best screenplay. Lewis' award for his performance as the 16th president is his fifth from the NYFCC.

Rachel Weisz earned best actress from the critics for her performance in the little-seen "The Deep Blue Sea," a period drama by the British director Terence Davies.

The supporting actor pick went to Matthew McConaughey for his performances as both a Texas district attorney in Richard Linklater's "Bernie" and as a male stripper in Steven Soderberg's "Magic Mike."

Shut out entirely were awards hopefuls "Les Miserables," ''Argo," ''Silver Linings Playbook" and "The Master."

This year's Oscar hunt is generally seen as fairly open, with a number of strong contenders. The NYFCC voting could help coalesce support behind "Zero Dark Thirty" and "Lincoln." Rothkopf, though, said that there was strong passion in voting for several films that didn't yield an award.

Michael Haneke's Palme d'Or-winning "Amour," a depiction of an aging married couple, took best foreign language film. Best non-fiction film went to "The Central Park Five," the documentary about the infamous 1989 New York rape case, co-directed by Ken Burns, his daughter Sarah Burns and David McMahon.

Best animated film went to Tim Burton's "Frankenweenie." The AIDS activism documentary "How to Survive a Plague" was picked as best first feature.

The New York Film Critics Circle, a body of 35 New York-based critics founded in 1935, announced their annual vote on Twitter over a period of hours. Awards will be handed out at a ceremony Jan. 7.

Next to come in the quickening awards season are the National Board of Review Awards on Wednesday and the Los Angeles Film Critics on Sunday. Golden Globe nominations will be announced Dec. 13.

___

Online:

http://www.nyfcc.com/

___

Follow Jake Coyle at: http://twitter.com/jake_coyle

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Software Programs Help Doctors Diagnose, but Can’t Replace Them





SAN FRANCISCO — The man on stage had his audience of 600 mesmerized. Over the course of 45 minutes, the tension grew. Finally, the moment of truth arrived, and the room was silent with anticipation.




At last he spoke. “Lymphoma with secondary hemophagocytic syndrome,” he said. The crowd erupted in applause.


Professionals in every field revere their superstars, and in medicine the best diagnosticians are held in particularly high esteem. Dr. Gurpreet Dhaliwal, 39, a self-effacing associate professor clinical medicine at the University of California, San Francisco, is considered one of the most skillful clinical diagnosticians in practice.


The case Dr. Dhaliwal was presented, at a medical  conference last year, began with information that could have described hundreds of diseases: the patient had intermittent fevers, joint pain, and weight and appetite loss.


To observe him at work is like watching Steven Spielberg tackle a script or Rory McIlroy a golf course. He was given new information bit by bit — lab, imaging and biopsy results. Over the course of the session, he drew on an encyclopedic familiarity with thousands of syndromes. He deftly dismissed red herrings while picking up on clues that others might ignore, gradually homing in on the accurate diagnosis.


Just how special is Dr. Dhaliwal’s talent? More to the point, what can he do that a computer cannot? Will a computer ever successfully stand in for a skill that is based not simply on a vast fund of knowledge but also on more intangible factors like intuition?


The history of computer-assisted diagnostics is long and rich. In the 1970s, researchers at the University of Pittsburgh developed software to diagnose complex problems in general internal medicine; the project eventually resulted in a commercial program called Quick Medical Reference. Since the 1980s, Massachusetts General Hospital has been developing and refining DXplain, a program that provides a ranked list of clinical diagnoses from a set of symptoms and laboratory data.


And I.B.M., on the heels of its triumph last year with Watson, the Jeopardy-playing computer, is working on Watson for Healthcare.


In some ways, Dr. Dhaliwal’s diagnostic method is similar to that of another I.B.M. project: the Deep Blue chess program, which in 1996 trounced Garry Kasparov, the world’s best player at the time, to claim an unambiguous victory in the computer’s relentless march into the human domain.


Although lacking consciousness and a human’s intuition, Deep Blue had millions of moves memorized and could analyze as many each second. Dr. Dhaliwal does the diagnostic equivalent, though at human speed.


Since medical school, he has been an insatiable reader of case reports in medical journals, and case conferences from other hospitals. At work he occasionally uses a diagnostic checklist program called Isabel, just to make certain he hasn’t forgotten something. But the program has yet to offer a diagnosis that Dr. Dhaliwal missed.


Dr. Dhaliwal regularly receives cases from physicians who are stumped by a set of symptoms. At medical conferences, he is presented with one vexingly difficult case and is given 45 minutes to solve it. It is a medical high-wire act; doctors in the audience squirm as the set of facts gets more obscure and all the diagnoses they were considering are ruled out. After absorbing and processing scores of details, Dr. Dhaliwal must commit to a diagnosis. More often than not, he is right.


When working on a difficult case in front of an audience, Dr. Dhaliwal puts his entire thought process on display, with the goal of “elevating the stature of thinking,” he said. He believes this is becoming more important because physicians are being assessed on whether they gave the right medicine to a patient, or remembered to order a certain test.


Without such emphasis, physicians and training programs might forget the importance of having smart, thoughtful doctors. “Because in medicine,” Dr. Dhaliwal said, “thinking is our most important procedure.”


He added: “Getting better at diagnosis isn’t about figuring out if someone has one rare disease versus another. Getting better at diagnosis is as important to patient quality and safety as reducing medication errors, or eliminating wrong site surgery.”


Clinical Precision


Dr. Dhaliwal does half his clinical work on the wards of the San Francisco V. A. Medical Center, and the other half in its emergency department, where he often puzzles through multiple mysteries at a time.


One recent afternoon in the E.R., he was treating a 66-year-old man who was mentally unstable and uncooperative. He complained of hip pain, but routine lab work revealed that his kidneys weren’t working and his potassium was rising to a dangerous level, putting him in danger of an arrhythmia that could kill him — perhaps within hours. An ultrasound showed that his bladder was blocked.


There was work to be done: drain the bladder, correct the potassium level. It would have been easy to dismiss the hip pain as a distraction; it didn’t easily fit the picture. But Dr. Dhaliwal’s instinct is to hew to the ancient rule that physicians should try to come to a unifying diagnosis. In the end, everything — including the hip pain — was traced to metastatic prostate cancer.


“Things can shift very quickly in the emergency room,” Dr. Dhaliwal said. “One challenge of this, whether you use a computer or your brain, is deciding what’s signal and what’s noise.” Much of the time, it is his intuition that helps figure out which is which.


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Auto sales set November records at Honda, Hyundai, Nissan and BMW









New vehicles sold like gangbusters last month, with several brands setting all-time records for November.


Foreign nameplates generally reported stronger gains than domestic brands, helped by new products such as the new-generation Honda Accord and a new Nissan Pathfinder sport-utility vehicle.


Some analysts also said the import makes offered bigger discounts and other incentives on their passenger cars, which appear to be the hottest segment of the market.





American Honda Motor Co. reported that sales jumped 39% in November compared with the same month last year, reaching 116,580 vehicles, an all-time record for the month.


"We are now surpassing sales records set pre-recession, a true sign that our business has recovered," said John Mendel, executive vice president of sales at American Honda.


Likewise, Nissan North America reported record November U.S. sales of 96,197 vehicles, up 13%


"Nissan's significant portfolio refresh of five new models in 15 months is showing results with the new Pathfinder driving sales of the model up nearly 250%," said Al Castignetti, vice president, Nissan Division.


BMW reported the best U.S. sales month ever in November with sales of 31,213, an increase of 45%.


Hyundai Motor America said its sales rose 8% to 53,487 vehicles, also a U.S. record for the brand.


“The Black Friday sales period once again provided a strong boost for Hyundai in the back half of the month and helped break our all-time November sales record,” said Dave Zuchowski, executive vice president of sales. “We were also very encouraged by the strong sales recovery experienced in those northeastern regions that were ravaged by Superstorm Sandy and expect continued momentum there for the balance of the year.”


Indeed, Ken Czubay, vice president of U.S. sales at Ford Motor Co., estimates that 20,000 to 30,000 vehicles were purchased last month industrywide to replace vehicles destroyed by Sandy.


Edmunds.com estimates that the superstorm damaged or destroyed as many as 250,000 vehicles, an amount Edmunds said would boost sales of new cars and trucks by 65,000 to 80,000.


Analysts estimate that automakers sold more than 1.1 million vehicles last month for a seasonally adjusted annual rate of about 15 million.


It appeared to be the highest annual sales rate since February 2008, said Jesse Toprak, an analyst for auto information company TrueCar.com.


General Motors Co. reported its highest November U.S. sales volume since 2007, with deliveries up 3% from a year earlier to 186,505 vehicles.  


Ford said its sales rose 6.5% to 177,673 vehicles last month.


Chrysler Group said its sales rose 14% to 122,565 units, it’s best November sales since 2007.


Toyota Motor Sales U.S.A. said its sales rose 17% to 161,695 vehicles.


Volkswagen Group said sales of its VW brand rose 29% to 36,728 vehicles. It was VW's best November since 1973.


ALSO:


Road to fuel economy


Ford Escape recalled for fires


Are electric vehicles prices dropping


Follow me on Twitter (@LATimesJerry), Facebook and Google+.





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Northridge residents stunned by multiple slayings









Shane Grady woke up "from a dead sleep" early Sunday when he heard gunshots.

He dropped to the floor and looked out his window, but the traffic on Devonshire Street blocked his view.

"If there was yelling or screaming, I couldn't hear it," he said.

Police arrived minutes later and began canvassing the neighborhood, a helicopter flying low overhead. By mid-morning, detectives were still at the house across from Grady's, where four people were found shot dead.

Investigators are still working to determine a motive and found no weapon at the scene, LAPD Cmdr. Andrew Smith said. No suspects are in custody.

L.A. Councilman Mitchell Englander, whose district includes parts of the San Fernando Valley, said the incident appeared to be isolated. He said the home was believed to be an unlicensed boarding home with multiple tenants.

Neighbors said rooms at the home were rented out and the residents appeared to be single men who primarily kept to themselves. At least four people live in an upstairs area, they said, but they did not know how many boarders in all reside there.

The neighbors also said there was nothing unusual about the home, except for some occasional loud music.

One woman who lives around the block from the residence said she heard loud music and yelling from the house about 1:30 a.m. She fell asleep about an hour later but said the music was still playing.

"I just figured it was a party that was out of control," she said.

Others described the street as quiet, the kind where neighbors know one another and people walk to the Jewish temple just houses away from where the shooting occurred. There have been a few incidents — a car chase last summer, a murder 10 years back — they said, but nothing like this.

"It's usually sleepy-time America," said Richard Rutherford, 58.

Rutherford heard the shots as well. The helicopter that came next, he said, was so low it "was shaking the rooftop."

Jeff Kaye, 62, said the helicopters weren't unusual — the Devonshire police station is just a few blocks away. But the shootings were unusual, he said.

"It concerns you," he said. "You want to know what's going on."

Englander said he was "shocked" by the shootings.

"Typically, you don't have these kinds of incidents in this type of community," he said.

Grady said the same thing.

"How often in this neighborhood do you hear about four dead bodies?" Grady said.

Crime for last six months in Northridge:
Violent crimes (89)
   
Property crimes (895)
   
The violent crime rate for Northridge falls in the middle of all Los Angeles city neighborhoods, but homicide is rare in the community, according to LAPD data analyzed in The Times Crime L.A. database. In the previous six months, Northridge had one homicide among the 89 violent crimes reported. The location of the homicides discovered Sunday is on the border with Granada Hills, which typically has a much lower violent-crime rate than Northridge.

Since 2007 -- prior to Sunday's quadruple homicide -- Northridge had 11 homicides, all but one south of Nordhoff Street, according to L.A. County coroner's data compiled in The Times Homicide Report. The most recent took place Sept. 25, when Louis Villegas, 25, was fatally shot near Balboa Boulevard and Parthenia Street. Villegas was riding in a Lexus that had pulled over to the side of the road when a man approached and began shooting.

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Young down by boardwalk for benefit show

NEW YORK (AP) — Neil Young said Sunday that he couldn't see performing in the area devastated by Superstorm Sandy without doing something to help people who were affected by it.

Young and his longtime backing band, Crazy Horse, will hold a benefit concert for the American Red Cross' storm relief effort Thursday at the Borgata Hotel Casino & Spa in Atlantic City. The New Jersey coastline areas were hit hard by the storm in late October.

People in the New York area who suffered damage in the storm have been supporting him for 40 years, he said.

"I couldn't see coming back here and just playing and have it be business as usual," he said. Young is touring in the area, with concerts scheduled for Monday in Brooklyn and Tuesday in Bridgeport, Conn.

Minimum ticket prices for the standing-room show in Atlantic City will be $75 and $150, although Young notes there's no maximum. He hopes to raise several hundred thousand dollars for the Red Cross.

Young said he was invited to join the Dec. 12 benefit at New York's Madison Square Garden that will feature Bruce Springsteen, Paul McCartney, the Who, Kanye West and others, but had other obligations. Besides, there's enough star power there, he said.

"It wasn't going to make much difference whether I was there or not, so I decided to go someplace where I could make a difference," he said.

Young performed at a televised benefit in 2001 following the Sept. 11 terrorist attacks, memorably covering John Lennon's "Imagine."

Fans can expect a two-hour plus rock show on Thursday with opening band Everest. No special guests are planned, although Young issued an invitation to "anyone who wants to come in and play with us that we know and we know can play."

It's hard to resist wondering whether Young's epic "Like a Hurricane" will make it onto the set list, given the occasion.

"Anything's possible," Young said. "We have the equipment."

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Opinion: A Health Insurance Detective Story





I’VE had a long career as a business journalist, beginning at Forbes and including eight years as the editor of Money, a personal finance magazine. But I’ve never faced a more confounding reporting challenge than the one I’m engaged in now: What will I pay next year for the pill that controls my blood cancer?




After making more than 70 phone calls to 16 organizations over the past few weeks, I’m still not totally sure what I will owe for my Revlimid, a derivative of thalidomide that is keeping my multiple myeloma in check. The drug is extremely expensive — about $11,000 retail for a four-week supply, $132,000 a year, $524 a pill. Time Warner, my former employer, has covered me for years under its Supplementary Medicare Program, a plan for retirees that included a special Writers Guild benefit capping my out-of-pocket prescription costs at $1,000 a year. That out-of-pocket limit is scheduled to expire on Jan. 1. So what will my Revlimid cost me next year?


The answers I got ranged from $20 a month to $17,000 a year. One of the first people I phoned said that no matter what I heard, I wouldn’t know the cost until I filed a claim in January. Seventy phone calls later, that may still be the most reliable thing anyone has told me.


Like around 47 million other Medicare beneficiaries, I have until this Friday, Dec. 7, when open enrollment ends, to choose my 2013 Medicare coverage, either through traditional Medicare or a private insurer, as well as my drug coverage — or I will risk all sorts of complications and potential late penalties.


But if a seasoned personal-finance journalist can’t get a straight answer to a simple question, what chance do most people have of picking the right health insurance option?


A study published in the journal Health Affairs in October estimated that a mere 5.2 percent of Medicare Part D beneficiaries chose the cheapest coverage that met their needs. All in all, consumers appear to be wasting roughly $11 billion a year on their Part D coverage, partly, I think, because they don’t get reliable answers to straightforward questions.


Here’s a snapshot of my surreal experience:


NOV. 7 A packet from Time Warner informs me that the company’s new 2013 Retiree Health Care Plan has “no out-of-pocket limit on your expenses.” But Erin, the person who answers at the company’s Benefits Service Center, tells me that the new plan will have “no practical effect” on me. What about the $1,000-a-year cap on drug costs? Is that really being eliminated? “Yes,” she says, “there’s no limit on out-of-pocket expenses in 2013.” I tell her I think that could have a major effect on me.


Next I talk to David at CVS/Caremark, Time Warner’s new drug insurance provider. He thinks my out-of-pocket cost for Revlimid next year will be $6,900. He says, “I know I’m scaring you.”


I call back Erin at Time Warner. She mentions something about $10,000 and says she’ll get an estimate for me in two business days.


NOV. 8 I phone Medicare. Jay says that if I switch to Medicare’s Part D prescription coverage, with a new provider, Revlimid’s cost will drive me into Medicare’s “catastrophic coverage.” I’d pay $2,819 the first month, and 5 percent of the cost of the drug thereafter — $563 a month or maybe $561. Anyway, roughly $9,000 for the year. Jay says AARP’s Part D plan may be a good option.


NOV. 9 Erin at Time Warner tells me that the company’s policy bundles United Healthcare medical coverage with CVS/Caremark’s drug coverage. I can’t accept the medical plan and cherry-pick prescription coverage elsewhere. It’s take it or leave it. Then she puts CVS’s Michele on the line to get me a Revlimid quote. Michele says Time Warner hasn’t transferred my insurance information. She can’t give me a quote without it. Erin says she will not call me with an update. I’ll have to call her.


My oncologist’s assistant steers me to Celgene, Revlimid’s manufacturer. Jennifer in “patient support” says premium assistance grants can cut the cost of Revlimid to $20 or $30 a month. She says, “You’re going to be O.K.” If my income is low enough to qualify for assistance.


NOV. 12 I try CVS again. Christine says my insurance records still have not been transferred, but she thinks my Revlimid might cost $17,000 a year.


Adriana at Medicare warns me that AARP and other Part D providers will require “prior authorization” to cover my Revlimid, so it’s probably best to stick with Time Warner no matter what the cost.


But Brooke at AARP insists that I don’t need prior authorization for my Revlimid, and so does her supervisor Brian — until he spots a footnote. Then he assures me that it will be easy to get prior authorization. All I need is a doctor’s note. My out-of-pocket cost for 2013: roughly $7,000.


NOV. 13 Linda at CVS says her company still doesn’t have my file, but from what she can see about Time Warner’s insurance plans my cost will be $60 a month — $720 for the year.


CVS assigns my case to Rebecca. She says she’s “sure all will be fine.” Well, “pretty sure.” She’s excited. She’s been with the company only a few months. This will be her first quote.


NOV. 14 Giddens at Time Warner puts in an “emergency update request” to get my files transferred to CVS.


Frank Lalli is an editorial consultant on retirement issues and a former senior executive editor at Time Warner’s Time Inc.



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When home security salesman comes knocking, beware













Beware of home security scams


Door-to-door sellers of home alarm systems are required by the state to have passed a criminal background check and have been licensed by the Bureau of Security and Investigative Services.
(Robert F. Bukaty, Associated Press / December 2, 2012)

































































If someone comes to your door selling home security systems, be wary: They could be breaking the law and they could be trying to scam you, according to the state Department of Consumer Affairs. Key things to know:


• Anyone selling home alarm systems door-to-door in California is required to have passed a criminal background check and have been licensed by the Bureau of Security and Investigative Services. But in reality, warned the consumer agency, many sellers have done neither. Before listening to the pitch, ask to see the salesperson's state registration card.


• Beware of pressure to sign a contract immediately. Homeowners are sometimes pushed to sign overpriced alarm contracts that last for as long as five years, automatically roll over to a new term and give limited opportunity to cancel, the department said. Some contracts stipulate an early termination fee of several thousand dollars.





• In one scam, a salesperson finds a home with an alarm company sign or sticker and claims to be there to replace or upgrade the system. Or the salesperson may tell you that your company has gone out of business and he or she represents the new company. In both cases, state officials said, you will be told you must sign a new contract.


• Note that legitimate alarm companies also sometimes go door to door. "The challenge for the homeowner who answers the front door is to be certain the salesperson represents a reputable company and is not a scam artist," the department said. Call (800) 952-5210 to check whether a business or person is licensed and see whether any complaints have been filed.


• State law gives you a three-day window after signing to cancel a home security contract and get your money back. Deliver your cancellation letter in person or send it by certified mail. To lodge a complaint against an alarm company, visit http://www.bsis.ca.gov and click on "File a Complaint."






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