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December
8, 2006
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Identity
Theft: Part 2
Become
educated about ID theft and take steps to protect yourself.
In
March of 2004 Mike got a collection notice from a billing
agency for a hospital near his home. The hospital wanted payment
for a surgery totaling $41,188. Mike had never set foot in
that hospital so obviously there was some mistake. Upon investigation
he found that someone using his name and social security number
had indeed been admitted for surgery. Two years later Mike
still suffers from damage to his credit rating and doesn’t
yet know if his medical record has been corrected. He was
the victim of a little-known type of consumer fraud, medical
identity theft committed by a career criminal who needed medical
attention. (Excerpted from Reader’s Digest November
2006).
 Medical
identity theft can occur through someone using your name,
social security number and/or insurance card. Reasons for
medical identity theft is varied from masking a criminal’s
true identity, to getting drugs or expensive medical treatment
and even fraudulent insurance payouts.
“An
insurance card is like a Visa card with a $1 million spending
limit” says Byron Hollis, national anti-fraud director
of the Blue Cross and Blue Shield Association.
Another
consequence of medical identity theft is having erroneous
information in your medical records. The criminal’s
health history becomes yours. Having medical records corrected
can be a difficult task and incorrect records can result in
insurance denials, disqualification for jobs and even physical
harm due to incorrect health data (such as blood type changes).
How can
you protect yourself from medical identity theft?
- Treat
your insurance card like a credit card (don’t lose
it or loan it).
- Read
your Explanation of Benefits-EOB (call your insurance company
about claims for services or drugs that you don’t
understand found on your EOB).
- Yearly
request and review a listing of benefits paid out by your
insurer.
- Review
your credit report for unfamiliar medical bills.
- Request
an accounting of disclosures (under HIPAA you have a right
to get information regarding to whom your health care provider
released your medical records).
- Watch
out for freebies (offers of free medical care, waiving of
co-payments etc.). If it seems to good to be true, it probably
is and may be a scam.
- Follow
the basic Identity Theft prevention measures (refer to Part
1 found in a previous
StethoScoop Newsletter).
- Go
to worldprivacyforum.org
and bcbs.com
for more information.
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401(k)
Open Enrollment
Enroll
in the 401(k) Retirement Plan or make changes to your current
plan elections by December 29, 2006!
Open
enrollment for the 401(k) retirement plan will run through
December 29th for all employees. Open enrollment provides
the opportunity for employees to begin participation in the
401(k) plan and current 401(k) participants to change their
contribution percentage.
Enrollment
packets can be obtained on our website, or you can contact
your local branch office. All forms must be signed, dated,
filled out completely without error, and received by December
29, 2006 in order to be accepted in this open enrollment.
Changes will become effective January 1, 2007. Please check
your pay stub to ensure that changes were made. The next open
enrollment will be in March 2007 with changes taking effect
April 1, 2007.
Participants may also enroll or change contribution percentages
via the website at www.myretirementfuture.com,
or by calling the Interactive Voice Response at (800) 291-1585.
To log in to the website or the interactive voice response,
you will need your user name and password (or SSN and a valid
PIN number if you have not yet selected a user name and password).
If you have not logged in before, the default PIN is the last
four digits of your SSN. For
questions regarding the website or interactive voice response,
call CPI Qualified Plan Consultants at (800) 279-4015 x206
during regular business hours (CST) and speak with a customer
service representative.
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Calling
All (Prospective) Nurses!
New
website hopes to lessen the nursing shortage.
 As
a healthcare professional, you see firsthand the effects of
the nursing shortage on job satisfaction and patient care.
The Johnson & Johnson Campaign is working to minimize
the shortage through education.
Discovernursing.com
is a web site devoted to recruiting nurses and educating individuals
about the benefits of a career in nursing. Since the site’s
launch, there have been more than 3,000 e-mails from nurses,
nursing students and people interested in this program.
This comprehensive
website is part of a national initiative to enhance the image
of the nursing profession, recruit new nurses, and nursing
faculty. Go to www.discovernursing.com
to learn more about The Johnson & Johnson Campaign for
Nursing's Future.
Do your part and
spread the word about this website and how great it is to
be a nurse!
[Top] |
Holiday
Movie Preview
Take
your family out to see a great holiday film!
The
Holiday (Rated PG-13)
Iris
(Kate Winslet) lives in London. Amanda (Cameron Diaz) is in
Los Angeles. Both just broke up with their cheating boyfriends.
Both feel like they need to get away. So they meet over the
internet and decide to exchange houses for their vacations.
Both ladies find what they least expected, new love.
Night
at the Museum (Rated PG)
Larry
Daley (Ben Stiller) is a down-on-his-luck guy who gets a job
as the night watchman at New York's Museum of Natural History.
It's a boring job, until he accidentally unleashes an ancient
curse and the exhibits start to come to life. Now he's got
to keep a tiny Attila the Hun from fighting the ancient Romans,
the cavemen from setting the place on fire, and the dinosaur
bones from trampling everything. Should be great Holiday fun!
Pursuit
of Happyness (Rated PG-13)
Chris
Gardner (Will Smith) is a single dad trying to raise his five-year-old
son (Jaden Smith) and provide for him as a salesman. When
they are evicted from their San Francisco apartment and have
nowhere to go, Chris lands an unpaid internship at a prestigious
brokerage firm. In this highly competitive environment, Chris
is determined to make a better life for his small family.
It's an inspiring true father and son story starring real-life
father and son Will and Jaden Smith.
Charlotte’s
Web (Rated G)
Wilbur is a humble piglet. Born the runt of the litter, his
life is spared by the farmer's daughter, Fern (Dakota Fanning).
But he still faces the prospect of becoming dinner. Luckily,
Wilbur befriends a spider named Charlotte, who spells out
words in her radiant webs to convince the humans that the
little guy really is some pig. The animal characters are voiced
by Robert Redford, John Cleese, Steve Buscemi, Oprah Winfrey,
and Julia Roberts.
Dreamgirls
(Rated PG-13)
The
Dreamettes (Beyonce Knowles, Anika Noni Rose and Jennifer
Hudson) make a splash singing at the Apollo Theatre and are
picked up by business manager Curtis Taylor Jr. (Jamie Foxx).
He gets them work as backup singers for the flashy soul star
James "Thunder" Early (Eddie Murphy). When Taylor
takes the trio on their own and puts the beautiful Deena out
in front, it brings them fame and fortune, but nothing close
to happiness. Based on the Tony award winning musical.
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