Dear Savvy Senior,

After a recent hospital stay, I have a stack of confusing medical bills at home I need to decipher. I’ve heard these bills frequently contain mistakes. How do I spot them to ensure I’m not paying more than I need to be? Cautious Carol

Dear Carol,
Medical billing errors and overcharging is not uncommon. According to the American Medical Association, 7 percent of medical bills in 2013 had errors, and other groups estimate that figure to be much higher. Unfortunately, untangling those mistakes is almost always up to you. Here are some tips and tools that can help.
Check For Errors
To help you get a grip on your medical bills and check for errors, you need to familiarize yourself with what your insurance does and doesn’t cover. Then you need to carefully review the explanation of benefits from your insurer, and the invoices you receive from your doctor, hospital and/or outpatient facility providers.
These invoices need to be itemized bills detailing the charges for every procedure, test, service and supply you received. If you didn’t receive an itemized invoice, request it from your health care providers. And if the invoices contain any confusing billing codes or abbreviations that you don’t understand, ask them for an explanation. You can also look up most medical billing codes online by going to any online search engine and typing in “CPT” followed by the code number.
Once you receive and decode the invoices, keep your eyes peeled for these mistakes:
· Typos: Incorrect billing codes, a misspelled name or a wrong policy number.
· Double billing: Being charged twice for the same services, drugs, or supplies.
· Canceled work: Charging for a test your doctor ordered, then canceled.
· Phantom services: Being charged for services, test or treatments that were never received.
· Up-coding: Inflated charges for medications and supplies.
· Incorrect length of stay: Most hospitals will charge for the admission day, but not for day of discharge. Be sure you’re not paying for both.
· Incorrect room charges: Being charged for a private room, even if you stayed in a semi-private room.
· Inflated operating room fees: Being billed for more time than was actually used. Compare the charge with your anesthesiologist’s records.
To make sure the charges on your bill are reasonably priced, your insurance provider may offer an online price transparency tool, or use the Healthcare Blue Book (healthcarebluebook.com) or Guroo (guroo.com). These are free resources that let you look up the going rate of many procedures, tests or services in your area.
Make Corrections
If you find errors or have questions about charges, contact your insurer and your health care provider’s billing office. When you call, be sure you write down the date, time and name of the person you speak to and a summary of the conversation, in case you need to refer back to it at a later time.
If there’s a billing code error or some other mistake that’s easily correctable, ask your health care provider to resubmit a corrected claim to your insurance company.
Get Help
If you aren’t able to resolve the dispute on your own, you may want to consider hiring a medical billing advocate to work on your behalf. To find someone, try sites like billadvocates.com or claims.org. Most advocates charge an hourly fee – somewhere between $50 and $200 per hour – for their services, or they may work on a contingency basis, earning a commission of 25 percent to 35 percent of the amount they save you.
If you’re a Medicare beneficiary, another resource is your State Health Insurance Assistance Program (SHIP). They provide free counseling and can help you understand your medical bills and Medicare coverage. To find a local SHIP counselor visit shiptacenter.org, or call 800-633-4227.
Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit SavvySenior.org. Jim Miller is a contributor to the NBC Today show and author of “The Savvy Senior” book.

by Bobby Anderson
Staff Writer

Integris Canadian Valley Hospital is using technology to make a giant leap forward in improving outcomes of its stroke patients.
And thanks to a computer screen on wheels with high resolution cameras patients are getting the help they need anytime day or night.
Christine McMurray, RN-PCCN, serves as an administrative supervisor at Canadian Valley, and has served as the clinical coordinator for getting the new telestroke program off the ground.
“It’s kind of like a fancy-FaceTime where the physicians we have, the neurologists can beam in on the screen … and lenses can zoom all the way into their pupils and check pupil responses,” McMurray said.
Attached is a wired stethoscope that allows both the onsite clinician as well as the remote clinician to hear lung and heart sounds in real-time for those patients presenting with stroke symptoms.
The robot is controlled remotely and can be moved around the patient. The 360-degree microphone also captures sound from all directions inside the room.
The attached monitor screen allows both patient and doctor to have a face-to-face conversation as well as examination even if the doctor is hundreds of miles away.
“We were taking all of our stroke patients that required tPA to Southwest Medical and Baptist,” McMurray said. “Now what we can do after they are seen in the ER with telestroke we can give them tPA on a stable patient and bring them here for a neurology consult.
“Now, rather than shipping them out of Yukon they can stay here in town, in the community and neurology will beam in if there are no complications within 24 hours … they can prescribe the discharge medications, change any anti-coagulations medicines without physically being here but being present.”
Integris Canadian Valley Hospital Chief Nursing Officer Teresa Gray, RN, BSN, MBA said the technology offers immediacy for both doctor and patient.
“The doctor can basically do a full assessment from any device – iPhone, iPad, computers from anywhere anytime,” Gray said. “This technology allows for when you may not have services 24/7 in your facility and the patient has a change in their condition or you need a different level of care we have immediate access.”
“When you talk about neurology in the state of Oklahoma and there is a shortage of neurologists, this allows them to provide access to smaller communities that may not normally have neurologists and various high-level specialities that are hard to recruit. This gives the opportunity to bring that kind of service back to the smaller communities.”
Stroke is the fourth-leading killer in the United States and the leading cause of long-term disability.
Approximately 800,000 people experience a stroke each year in the US. Successful management of acute ischemic stroke is extremely time-dependent.
According to the American Heart Association, ideally, the only Food and Drug Administration-approved treatment for acute ischemic stroke should be administered within 3 hours of the onset of stroke symptoms.
The American Heart Association estimates that only 3% to 5% of ischemic stroke patients are treated with thrombolysis (a clotbuster known as tPA).
“They don’t have to be transferred out anymore. They don’t have to wait for a bed,” McMurray said of the major benefits of telestroke. “Baptist and Southwest have both been on delay several times. Then they have to go to the ER and they are put on hold there or are waiting in a hallway. Where here we’ve got eight ICU beds and they can come right over. They are treated with the same protocols and the same order sets. Everything is the same. If there is any problem all the physician has to do is come in over (Telestroke).”
The program is done in collaboration with the hospital’s hospitalist program which follows the plan of care throughout the course of a patient’s stay.
McMurray said the technology has already been used by the hospital’s two hospitalists to dial in remotely to check on other non-stroke patients who are experiencing changes in condition or acuity.
On average, Gray said Canadian Valley transfers out 7-8 stroke patients per month with lower-level patients not requiring tPA kept.
Gray said Canadian Valley continues to evolve its service offerings as it becomes the mainstay for healthcare for those living in Western Oklahoma.
“This is something cardiology and nephrology can use – any of our services that are not onsite 24/7,” Gray said. “That’s what we hope to expand is increase our complexity of patients, add additional services to the community we haven’t had and incorporate new technology.”

What do you hope to find under the Christmas tree? Salvation Army Central Oklahoma

I hope to find a new cast iron skillet with a lid.  Jeff Lara

Just to be home. That will be my only day off. Maj. Carlyle Gargis

Really, I’m not looking for gifts. I’m just the type of person who enjoys serving and doing for others.

James Dixon

I have everything I need. God has blessed me with everything. Meiing Ong

Today, the Social Security Administration announces the launch of a new Health IT initiative with the Department of Veterans Affairs (VA) that enables all Social Security disability case processing sites to receive medical records electronically from all VA facilities. Veterans will receive a faster decision on their Social Security disability claim, speeding them and their dependents through this new process. Both agencies will save time and money with an automatic request through the eHealth Exchange.
“President Obama has said, ‘we must maintain the sacred covenant we share with our veterans by ensuring they have the care and benefits they deserve,’ and I could not agree more,” said Carolyn W. Colvin, Acting Commissioner of Social Security. “We are committed to providing our veterans with the world class service they so richly deserve and improving the speed and efficiency of our disability program.”
The new Health IT program was tested successfully at Social Security locations around the country. On Veteran’s Day, November 11, the eHealth Exchange will go live, nationally, to all Social Security disability case processing sites.
Social Security requests nearly 15 million medical records annually from healthcare providers and organizations to make medical decisions on about three million disability claims. Medical documentation is essential to make a disability determination. Historically, the agency obtained medical records through a manual process (mail, fax, secure mail). This new national initiative puts in place an automated process to obtain medical records electronically without human intervention.
“VA is currently improving quality of life by enabling Veterans to share their health information with federal partners and integrating their data into a safe and secure health-related consumer application,” said Dr. David Shulkin, Under Secretary for Health of the Department of Veterans Affairs. “Currently, when eligible Veterans apply for Social Security Disability Insurance benefits the average wait time for Social Security to receive paper records from VA can take months; this partnership allows Social Security and VA to share the Veteran’s health information electronically in minutes. The Social Security and VA partnership allows VA to continue to be a leader in interoperability efforts among federal partners while improving overall quality of life for our Veteran patients.”
This partnership adds the VA to Social Security’s more than 50 other Health IT partners, including the Department of Defense, in approximately 7,000 facilities across the United States providing electronic health records. Social Security’s goal is to continue expanding the number of healthcare organizations and federal agencies providing electronic health records within a safe and secure environment.
To learn more about Health IT, please visit www.socialsecurity.gov/disabilityssi/hit.
Social Security offers two other programs to expedite disability claims filed by veterans. Wounded Warriors and veterans with a VA disability compensation rating of 100% Permanent & Total have their Social Security disability claims treated as high priority and receive expedited decisions. For more information about these programs, please visit www.socialsecurity.gov/people/veterans.

story and photos by Bobby Anderson, Staff Writer

Mark Hamm knows that someday in the not-too-distant future, central Oklahoma will be one giant metroplex.
“In the next 20 years they’re projecting another 20,000 people moving to Moore,” the Moore City Councilman said. “They’re all brand new and they don’t know anything about this and it will just be forgotten.”
Hamm was referring to Moore’s history, which dates back before statehood.
And as he discussed the city’s constant progress he was standing on the porch of Myron January’s family home, built in 1895 and believed to be the oldest structure in Moore.
The town’s history – and Myron January’s childhood home – are something Hamm and community members want to preserve for all to see.
In November Moore voters approved the continuation of a quarter-cent sales tax. Part of that money will go the development of an Old Town park, similar to what Norman has near its train depot.
The vision is much bigger than the old January home.
An interactive trail, a sitting area and hopefully a visitor center located near the railroad tracks will spring up some day soon. City officials already have their eye on procuring the original train depot, which is currently being used as an office on Shields Boulevard in south Oklahoma City.
Right in the middle is expected to be the January house, which Myron is giving to the city.
“It’s great. I think it’s a miracle,” January said of home’s impending move. “It’s going to have to be done pretty soon because you can tell it’s getting in bad shape.
JURY AND JANUARY
When you look back in the annals of Moore history you’ll see a couple names stick out – Jury and January.
The Land Run led to the Jury family settling on 160 acres in what now is southeast Moore. Next door was the January family.
“Two Jurys and two Januarys married – two brothers and two sisters,” January said. “So the Januarys and the Jurys have been very close all their lives.”
So close in fact that the Jury home now sits on January property, at least until the City of Moore can get it moved and preserved.
Even though it’s bare wood and has an addition missing, January still navigates the 400-square-foot, two-room house like it was yesterday.
“It wasn’t a whole lot more than this … but you would come in a door here and this was the back porch where (his grandmother Artie) did the washing,” January said. “There was a wall here and a built-in cabinet there.”
Myron January moved to Moore at age three. He left home as a teenager when he got married at 17. He’s lived within two miles of the current house ever since, keeping cattle on the remaining 75 acres.
Things have changed, as subdivisions have sprang up all around.
A new Sam’s Club sits less than a mile away. Target, Home Depot, JC Penny’s, Lowe’s and the busiest IMAX theatre in the world are just across I-35.
“I’ve dreaded it for many years,” January said with a laugh. “That’s life. Progress.”
Just down the street dairy silos dating back to the 1940s still stand as Moore’s only skyscrapers.
At one time, 400 head of cattle were milked at the Mathesen Dairy, which dispatched trucks daily to grocery stores across the county delivering fresh milk with cream on the top.
WHEN MOORE WAS LESS
Moore was founded during the Land Run of 1889. The early settlers came on train, horseback, wagons, and some on foot.
According to local historians, the town’s original name was Verbeck as designated by the railroad company.
However, a railroad employee named Al Moore, reported to be either a conductor or a brakeman, lived in a boxcar at the camp and had difficulty receiving his mail.
He painted his name “Moore” on a board and nailed it on the boxcar.
When a postmaster was appointed, the name stuck and he continued to call the settlement Moore.
Hamm got into politics to preserve that small-town feel, even though the city is now the state’s seventh-largest.
“I like politics but I’ve always liked local politics more than national,” Hamm said. “It’s where things happen, people see their government working for them. You call me about a problem in Moore, hopefully, we can get it fixed before you get home.”
And Hamm knows the past should play a part in Moore’s future. That’s why the city and a team of volunteers have set out to preserve it.
One of the first efforts is inviting people to help document that story online at www.historyofmoore.com.
Currently, there’s lots of gaps and missing stories.
And it’s in need of more people like Myron January to help fill in the blanks.

Whoever conceived of the idea for Norman Forward is to be commended. The Quality of Life projects are certainly important to our growing city. But at the same time, we should take time to reflect on Norman, backward though the years to the work accomplished by citizens who built our thriving community.
We need to show our appreciation to those citizens who got up every morning, went to work and paid their taxes to build roads, streets, schools, parks, a hospital and more that we use everyday. Many of those same people are retired, living in Norman, and they voted for Norman Forward with the expectation of a new senior center with space available to offer more activities than can be provided in the current center.
As Norman has grown, working people adapted to many changes in Norman, along with changes within their own families. Some lost spouses, family and friends, and with that, some lost badly needed contacts with people. A senior citizens’ center would be a perfect place to spend a few hours, meet new people, socialize and ward off depression which is prevalent in older citizens.
A forward-looking Norman should say thank you to earlier residents by opening the doors to a new center and making an extreme effort to contact and invite people to take part in the activities. Also, for their health’s sake, we must motivate these citizens to make new friends and remain vibrant.
Since recreation is the primary reason for the Quality of Life NF projects for younger people, city planners should extend the same criteria to seniors. Seniors need to move, too. Many NF projects will be delayed for the next 15 years, but the senior citizens’ project should not be one of them.
Nadine Jewell, Norman

Tis the season for toy shopping, but Easter Seals Oklahoma has a request for special toys for their boys and girls. Therapeutic and sensory toys help students with disabilities work on hand-eye coordination, fine and gross motor skills and social interaction. It can also be used to help increase attention and focus during instructional time.
“Teaching a lesson while a child’s hand is actively engaged in a fidget has been shown to result in more information being retained by the child than if the same lesson were taught without the sensory element”, says Mia Dianda, Director of Medical Rehabilitation.
Easter Seals Oklahoma is accepting donations of therapeutic toys such as koosh balls, light up toys, and fidgets. Social and turn taking improvement items are also needed like: Twister, Chutes and Ladders, Mouse Trap, Head-band, toy cars, super heroes, baby dolls, and related items. Donations may be brought to 701 N.E. 13th Street, Oklahoma City, Ok 73104 between the hours of 8:00 a.m. -5:00 p.m. Monday through Friday or donate by calling 405-239-2525.
The Medical Rehabilitation Program at Easter Seals Oklahoma helps individuals with disabilities gain greater independence some thought to be unachievable. It is our goal to empower children with atypical development by helping to build their self-esteem and self-efficacy through therapy services.
For more than 90 years, Easter Seals Oklahoma has provided services to children and adults with disabilities and other special needs and support to their families. Services include an early learning and inclusion academy, adult day health center, medical rehabilitation, and financial assistance. For more information, please visit www.eastersealsok.org.

Eric Olsen Executive Director HELPS nonprofit law firm. www.helpsishere.org

Sometimes seniors with lower incomes find themselves owing past due income taxes. Taxes they can’t afford to pay. As the Executive Director of HELPS, a 501 c nonprofit law firm that assist seniors with debt problems, I regularly talk with seniors distressed about past due taxes owed. Seniors want to pay their taxes, but sometimes there simply is insufficient income. Seniors need to know that laws and regulations have been enacted to assist persons with lower incomes to protect them from tax collection.
Most seniors don’t understand that social security, pensions, VA benefits and other forms of retirement income are protected by federal law. This income cannot be garnished for old debts such as credit cards or past due loans. An exception is the IRS occasionally will garnish 15% of a senior’s social security for past due taxes. However this will not happen without the senior being first notified. Steps can be taken to prevent a garnishment by the IRS.
For seniors that can afford to pay their taxes if the sum is less than $50,000 they can arrange for monthly payments over five years almost automatically. Lower income seniors can often be placed on uncollectable status with the IRS and pay nothing. An existing garnishment by the IRS can even be stopped. Seniors can apply for uncollectable status with the IRS over the phone or online. The IRS website provides budget guidelines to qualify for uncollectable status. These budget guidelines are not normally volunteered when applying for uncollectable status with the IRS. If you say you can pay something each month, the IRS will gladly take your money. Many lower income seniors underestimate their needs and pay a monthly payment they can’t afford to the IRS because they think they have to pay something. When according to IRS budget guidelines they could pay nothing.
Almost all seniors don’t realize that their local state tax collector cannot garnish social security and retirement income for past due state income taxes. Even when this money is deposited into a bank account, as long as it is traceable to social security and pension income it is exempt. If an account is garnished a claim of exemption can be filed for the money to be returned. State taxing agencies unfortunately will never tell seniors their income is protected. Instead they often will badger and intimidate in order to collect from seniors who don’t know their rights. If a state tax collector calls, a lower income senior can simply advise his income is federally protected social security, pension, VA benefits, or disability and they can’t afford to pay the tax.
Sometimes seniors are worried when they receive a “tax lien.” Language in the written lien notice makes them worry they are going to lose their home, car and other possessions. Tax collectors are not in the business of selling peoples homes. It just doesn’t happen in real life. Many seniors have little or no equity in a home for a lien to attach anyway. The taxing agency files the lien and hopes the tax gets paid if and when the home is sold. Tax collectors do not go after personal possessions, especially persons with lower incomes.
Bankruptcy is generally unnecessary for lower income seniors because their income is already protected. However taxes often can be eliminated through bankruptcy. The general rule is that the tax must be over three years old and have been assessed for at least two years in order to be eliminated through bankruptcy.
Certainly we should strive to pay our taxes. However laws and procedures are in place protecting lower income and poor seniors from tax collection. America wants seniors to have the food and medicines they need. If there is a choice between basics and paying taxes, seniors can take steps to stop tax collection action. Seniors income is in almost all instances protected and available for their needs.

The Oklahoma Insurance Department is joining forces to spread a life-saving message to drivers: “Move over. It’s the law.” The message is part of an initiative by the Oklahoma Traffic Incident Management Steering (TIMS) Coalition. The Coalition also includes representatives from the Oklahoma Highway Patrol, Oklahoma Department of Transportation, Oklahoma Sheriffs Association, Oklahoma Emergency Management and many more.
“As the holidays approach and more people will be on the road, we’re asking Oklahoma drivers to be more mindful behind the wheel,” said Oklahoma Insurance Commissioner John D. Doak. “Not only is moving over the law, it will help save the lives of first responders and lower the number of costly traffic delays.”
According to the National Highway Traffic Safety Administration, 52 law enforcement officers were killed in traffic-related incidents last year. Oklahoma Highway Patrol Trooper Nicholas Dees was hit and killed last year along I-40. His mother is featured in a new public service announcement which began airing this month. It can also be viewed here.
“Half of me died because of one man that did not move over for emergency vehicles,” said Shelley Russell, Dees’ mother.
Oklahoma’s Move Over law requires drivers approaching a parked emergency vehicle with flashing lights, including wreckers, to move over to the next lane. If the driver cannot move over, he or she is required to slow down. Troopers suggest drivers reduce speed to 15-20 mph or slower. The penalty for failing to slow down or change lanes is a ticket with a fine of more than $200.
Another benefit of drivers abiding by the Move Over law is a reduction in the number of costly traffic delays. According to the Texas Transportation Institute, for each hour a vehicle is stuck in traffic $21 is wasted per vehicle in time and fuel.
One way to ease the burden of traffic is for drivers to move over if they are involved in a non-injury car accident. This allows drivers to safely exchange insurance information and not block the flow of traffic.
“Many drivers seem to think that moving over is just an optional courtesy when they see flashing lights or have a minor wreck,” Doak said. “It’s not optional. Move over. It’s the law.”