1.  Publisher’s Comments

 I wish to thank Caroline M. for introducing me to Barbara Phillips of:

http://www.olderwiserwomen.com

I had a chance to speak with Barbara and to say it was a delight is an understatement. Please visit her site and subscribe to her great newsletter: Celebrations.

I did.
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OK, today’s article could be confused for an actual article given the dialogue is almost 100% true. I don’t know about medical care, getting an appointment, co-pays, etc. in other countries but the article describes ours (US) to (at least a crooked) T.

Thanks Norbert.
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If you are on the Net attempting to make some extra dough (I know a few of you are given I get your emails) go to:

http://www.skin99.org/pages/index.php?refid=sandalwood
and join. The owner of the site is no scam artist I promise. I listed the S2S car ribbon magnet with the credits he gave me to sign up.

The site is in its infancy but with his gaggle of loyal followers, it will be big some time this year. This is a ground floor opportunity (you’ve heard that before, right?) but, and this is important, it is FREE.

He writes a newsletter and this is a section from his latest:

Start---

FEEL LUCKY??????

Maybe you will be luckier than moi. (With my luck, if they sawed a woman
in half, I'd get the half that eats!)

One of you lucky rats, L.G. Johnson, just won an instant $585.00 dollars
in CASH for viewing one ad about discount merchandise on:

www.skin99.org

Yep, one gets paid for viewing ads.....not all that much but with every
view one has a chance to win 50-1,000 dollars....as with all my nefarious
schemes, there are no strings attached.  You will NOT find the usual SCAM
ads.  I do not allow them.  Should you recruit others, you get paid for
every page they view....three levels deep.

End---

Dr. Jon even credits your account with a $1.05 and, if memory serves, 1000 credits when you join.
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This FTC site is obviously a US Government agency but I think the content on the below site is applicable no matter where you live. After all, scammers and crooks know no boundaries. Check it out.

http://www.onguardonline.gov
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Our radio show is coming along very well thank you. We have gone to one hour (11 a.m. to Noon) on Saturday morning. If anyone would like us to mention your website, we will be happy to do so for 1/6th our normal rate ($30.00) or $5.

Write a one minute commercial and email it to me and paypal the five beans to me at: deadrun@jps.net and bingo! people in Reno, Sparks and the surrounding areas, including Northern California, will know about your business. Our listenership is 20 to 30 thousand. Do the math…

Believe me, this is one hell of a deal since we sold out of the $30 for one minute slots. I offer this tremendous discount only to Senior Moment© subscribers. If you ain’t one, you pay full bore.
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I reworked the S2S site a tad bit. Nothing important changed. More resources were added, a joke or two added and some rewording to make a point a touch more clear.

As always, I welcome any comments, suggestions, opinions, critiques, etc. Simply email me at: tom@senior2senior.org and I bet I respond.
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2.  Article

MEDICAL INSURANCE EXPLAINED 

Q. What does HMO stand for?
A. This is actually a variation of the phrase, "HEY MOE." Its roots go back
to a concept pioneered by Moe of the Three Stooges, who discovered that a
patient could be made to forget the pain in his foot if he was poked hard enough
in the eye.

Q. I just joined an HMO. How difficult will it be to choose the doctor I
want?
A. Just slightly more difficult than choosing your parents. Your insurer
will provide you with a book listing all the doctors in the plan. The doctors
basically fall into two categories:  those who are no longer accepting new
patients, and those who will see you but are no longer participating in the plan.
But don't worry, the remaining doctor  who is still in the plan and accepting
new patients has an office just a  half-day's drive away and a diploma from a
third world country.

Q. Do all diagnostic procedures require pre-certification?
A. No. Only those you need.

Q. Can I get coverage for my preexisting conditions?
A. Certainly, as long as they don't require any treatment.

Q. What happens if I want to try alternative forms of medicine?
A. You'll need to find alternative forms of payment.

Q. My pharmacy plan only covers generic drugs, but I need the name brand.      
I tried the generic medication, but it gave me a stomach ache. What should I
do?
A. Poke yourself in the eye. 

Q. What if I'm away from home and I get sick?
A. You really shouldn't do that. 

Q. I think I need to see a specialist, but my doctor insists he can handle
my problem. Can a general practitioner really perform a heart transplant 
right  in his/her office?
A. Hard to say, but considering that all you're risking is the $20
co-payment, there's no harm in giving it a shot. 

Q. Will health care be different in the next century?
A. No, but if you call right now, you might get an appointment by then.

To Your Good Health (because you'll need it)!

Until next issue,

Tom Koziol

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