News Flash!!! NEW VA Dental Insurance Plans for veterans with Delta or Met Life!

Gee, the day is starting out good.  I emailed my DH’s dentist to find out much it would cost to pay cash for a cleaning and exam.  The answer: $245 with 3 x-rays if needed.  So back to dental insurance research.  

tooth

graphic: openclipart.org

Then I found these brand new VA-sponsored plans for  veterans and dependents on Champa only. 

Coverage begins January 1, 2014. Enrollment began November 15. 

Press release: http://www.va.gov/opa/pressrel/pressrelease.cfm?id=2495

http://www.va.gov/healthBenefits/vadip/

Delta websitehttp://www.deltadentalvadip.org/

MetLife website: https://www.metlife.com/VADIP/index.html

In our zip code, Delta plans start at $9.73 mo. to $26.00 m. and Met Life’s plans are $21.80-$45.91.

If you have any thoughts about which plans give the most bang for your buck (considering your treatment plan and if your dentist participates) please share them with us at ASKNOD!  (Why did it take so long for the VA to partner with companies to offer approved dental plans?)

Ed. note. Way cool, Kiedove. Thanks for the research. HCVets need to know about the deleterious effects of HCV as well as Interferon on their teeth. It’s Hell’s bells for many. I came out of my one year incarceration at the Seattle VAMC with 21 cavities and had not had one in the prior to that in 30 years. Here’s something else a reader spotted:

http://www.pissedconsumer.com/reviews-by-company/delta-dental.html

Posted in Guest authors, HCV Health, Medical News, vA news | Tagged , , , , , , , , , , , , | 2 Comments

TIME LIFE BOOKS–MYSTERIES OF CATS EXPLAINED

WIRING YOUR CATEver wonder how people wire their cats? Time Life Books has finally come out with a definitive book on the subject. Utterly fascinating. Learn how to safely wire your cat for Christmas and avoid these costly mistakes.

Posted in Humor | Tagged , , , , , , , | 1 Comment

VETERANS DAY CAKE

DSC00606With my abject apologies to Member Randy. I was supposed to publish his extraordinary Vet’s day cake with accompanying pictorial ingredients display but it somehow got lost in the shuffle. Words cannot convey my disappointment in failing you, sir.

DSC00607At any rate, take one box of above and combine carefully with one 22 oz. can of this. Beware the lumps. My Kitchenaid threw them galley west-even on slow. That was before things started “expanding”.

I didn’t take a picture of it in the oven. Make sure there is no rack directly above it. Use a middle rack if you do not want a deep imprint of the the broiler element . It rose about 10 inches in the designated 13X 9 pan.

 

 

DSC00605It also fell about that much after I took it out. Feeds 10 hungry Veterans except in Colorado and Washington.

Posted in Food for the soul, Humor | Tagged , , , , , , , , , | 4 Comments

JUSTICE DELAYED IS NOT JUSTICE DENIED

decision1

click on picture to magnify

March 31, 1994 submit claims for:

1) Porphyria Cutanea Tarda (PCT), secondary to

a)Hepatitis or

b)Agent orange

2) tinnitus increase to compensable (10%)

_________________________________

November 4, 1994 Receive denials for:

1) residuals of hepatitis (nothing in SMRs)

2) PCT due to AO (Never was in Vietnam)

3) tinnitus (didn’t report for C&P)

___________________________________

December 7th, 1994

File NOD with

1) New and Material Evidence of Hep in service

2) proof of Duty in Vietnam

3) request for new C&P for tinnitus. (Never got notification)

_______________________________________

January 9th, 1995

Receive SOC acknowledging receipt of new and material evidence and promising new decision soon.

________________________________________

February 8th, 1995

Attend new C&P for tinnitus

_________________________________________

Silence for twelve years, fifteen days

__________________________________________

February 23rd, 2007 Refile exact same claim with exact same evidence for

1) residuals of Hepatitis C

2) PCT, secondary to Hepatitis or Agent Orange

3) tinnitus increase to compensable level (10%)

_________________________________________

April  15th, 2007 Attend C&P for tinnitus at QTC

________________________________________

May 10th, 2007  Awarded Tinnitus @ 10% effective March 31,1994.VA acknowledges proof of service in Vietnam but defers PCT.

Get $15 K  back pay for tinnitus

_______________________________________

October 17th, 2007 VA realizes they have dropped claims for PCT and Hepatitis and reinstates them.

__________________________________________

July 1, 2008 Awards HCV @100% and drops PCT claim again.

__________________________________________

October 1st, 2008   VA awards PCT @ 10%

_________________________________________

March 29th, 2010 VA increases PCT to 40% and refuses earlier effective date of March 31, 1994 for HCV/PCT.

________________________________________

April 5th, 2011 BVA  Traveling Board Hearing- Seattle , Wash.

_______________________________________

May 12th, 2012  BVA denial of all claims for earlier effective date and staged ratings from April 1, 1994.

_______________________________________

April 3rd, 2013 Office of General Counsel acquiesces and admits error in 2009 VARO and 2012 BVA decisions prior to oral arguments at CAVC.  Office of General Counsel asks for Joint Motion to Remand for corrections.

______________________________________

June 26th, 2013 BVA receives and dockets case

_____________________________________

November 18th, 2013— BVA announces they have made a decision on claims after nineteen years, two hundred twenty two days following receipt of 1994 claims.

The law requires that all claims that are remanded by the Board of Veterans’ Appeals or by the United States Court of Appeals for Veterans Claims for additional development or other appropriate action must be handled in an expeditious manner. See 38 U.S.C.A. §§ 5109B, 7112 (West Supp. 2012).

Good thing they weren’t dragging their heels on this one. In one hundred forty three days it will become a twenty year rating protected against reduction. I wonder if they will manage to send it to Seattle by Christmas?

cdpix3Forty three years, one month and twenty nine days following transfusion

This is why we call it Win Or Die

Posted in BvA HCV decisions, Remanded claims, Veterans Law | Tagged , , , , , , , , , , , , , | 3 Comments

CAVC-COLLINS v. SHINSEKI– MORE PRESUMPTION OF REGULARITY

downloadAfter Kyhn v. Shinseki finally got to the bottom of the fact that VA really has no procedure for making sure the VAMC or whoever sends out a letter to a Vet informing him of a C&P, we would think that Will Gunn would review all the upcoming cases and accomplish some triage to prevent what is happening to Lewis Collins III. Thank goodness it landed on Meg Bartley’s desk. She at least understands law and is not blindly stamping ‘affirmed’ on anything that doesn’t meet her high standards for BVA necktie parties.

Lewis here has been sideswiped by one of the oldest tricks in the VA repertoire. I speak, of course, of the habit of claiming they sent you a notice for a C&P and you never receiving one. This of course then allows them to autodeny claiming you were simply too lazy or forgot to show up. That it happens so frequently ought to be a red flag. Here, it is almost humorous. Implying a 22 year lifer missed an appointment is ludicrous. The difference here is the fingerprints all point to a well-intentioned plan to mail a C&P request letter and then an important request for documentation in the off chance he failed to report. One problem- no evidence. As they say down at my Chinese Drycleaners- No Tickee-Nooooo Laundly.

In a September 8, 2010, letter, the VA Appeals Management Center (AMC) advised Mr. Collins that it “will be developing additional evidence concerning your appeal, recently remanded
by the [Board] on July 22, 2010.” On the second page of the letter, under “Important Information,” the AMC wrote: “We asked the VA medical facility nearest you to schedule you for an examination in connection with your claim. They will notify you of the date, time, and place of the examination. If you can’t keep the appointment or want to be re-scheduled, contact the medical facility on the appointment notice as soon as possible.”  On September 8, 2010, the AMC asked the VA medical center (VAMC) in Columbia, South Carolina, to schedule Mr. Collins “as soon as possible” for VA examinations in compliance with the Board’s remand decision and further requested that, “[i]f [the] veteran fails to report for examination, please provide a copy of the exam notification letter.

Watch these dates.

A September 29, 2010, printout from VA’s Automated Medical Information Exchange system noted that the hypertension and joints examinations were cancelled on September 21 because Mr. Collins had failed to report. The AMC sent a letter dated October 18, 2010, to Mr. Collins, informing him that VA was still having trouble locating his SMRs, suggesting alternative evidence for him to submit and stating that if VA did not receive new evidence or information a decision might be made on his claims after 10 days.  An AMC document dated October 18, 2010, notes that there was no answer when an employee attempted to contact Mr. Collins.

Again, notice the dates. Mr. Collins III had now received two letters. One informed him of an upcoming C&P (yet to be scheduled) on September 10th, and one telling him they would hold the record open for ten more days from October 18th to allow new and material evidence. Nowhere in the October 18th letter did they mention his failure to appear. Since the odds of VA ever calling you to discuss your claims are miniscule compared to your chances of winning at Powerball Lotto, Mr. Collins III’s failure to answer a telephone call is not grounds to give up, piss on the fire and call in the dogs.

Kyhn IV stands for the proposition that VA has no published regulations about sending out C&P notices or recording the mailing of them by placing a facsimile letter in your C-file. The presumption of regularity is pretty tough to overcome and VA has been abusing the concept for a century. If they say they mailed it, in their myopic view, they did. With C&P letters, they’ve just rolled over us like a truck and claimed they did. When the VA Secretary was finally called out on this, he got affidavits from two gals who worked in that arena but he violated the codicil about adding evidence to the record after the hanging was over. See Kyhn .

Collins versu Shinseki stands for the proposition that Kyhn jurisprudence is still in flux so they really can’t use it for much until it’s done and out of the oven. It also stands for the OJ Simpson theorem that if the glove doesn’t fit, you can’t convict. Perhaps the AMC would have had a more airtight case had they not asked that a copy of the C&P request  be associated with his c file. Idiot’s delight. VA is in such a panic these days to create evidence trails to substantiate their misfeasance and  ineptness that they never follow through on anything.

And then Meg the Mugger lays into VASEC.

There is no copy in the record of the letter purportedly sent to Mr.Collins notifying him of scheduled September 2010 VA examinations, despite the AMC’s request to the VAMC that “[i]f [the] veteran fails to report for examination, please provide a copy of the exam notification letter” .

The Court is not persuaded by the Secretary’s argument, clarified in his motion for reconsideration, that the Board was not required to provide an adequate statement of reasons or bases for its notification finding because Mr. Collins did not assert nonreceipt of the notice of examination before the Board. See Motion at 3. Specifically, he contends that  “[w]ithout even a bare assertion of nonreceipt of notice of examination in the evidence before the Board, there was no reason for the Board to have addressed the issue of the presumption of regularity nor is there a factual basis for the Court to remand the issue for consideration in the first instance.” Id. at 4 (citing Baxter, supra).  Again, the Court notes that a panel of this Court in Kyhn IV recently rejected this argument.

We at Asknod’s legal department have noticed it takes two or three cases (and sometime years) after a precedent is set to provoke a change in attitude. This is a classic example. From all appearances, they still haven’t gotten the hang of what Colvin v. Derwinski stands for yet.

In sum, the Court finds that the Board did not support its determination that, in the context of providing VA examinations, the Secretary satisfied his duty to assist Mr. Collins. Under Maggitt, the Court rejects the Secretary’s contention that it may not consider Mr. Collins’s arguments because he did not raise them (or assert nonreceipt of notice) before the Board. Likewise, the reasoning of Baxter does not prohibit the Court from considering the veteran’s arguments because, here, the Mr. Collins has not avoided asserting nonreceipt. As explained by this Court in Kyhn IV, this Court may consider an appellant’s assertion of nonreceipt of notice in the context of an argument that the Board failed to support its factual findings. And, pursuant to the Federal Circuit’s decision in Kyhn III, the
Court cannot determine on the present record whether the presumption of regularity applies to VA notification of scheduled examinations.

Woe betideth he he who attempts to tell the Judge how to read the law.  Seems they sometimes forget that precept when they get up there and start pontificating on how the law is written. Considering their win-loss record at the Court (40-60), it would behoove them to look at their cards before they see and raise.

Read here of the latest bitchslap to Counsel for the Appellee by Saint Meghan and the most excellent continuing adventures of Bungalow Bill  aka Lewis Collins III.

Lewis Collins III and his sword bearer Michael Viterna, Esq.

download

Posted in CAVC ruling, Presumption of Regularity | Tagged , , , , , , , , , | 1 Comment

Speaking of direct mail and Medicare insurance plans

donut holeEvery big MN insurance company knows that I’m going to get Medicare benefits next year because my mailbox has been full with their enticements for months.  I am reading them because I don’t understand the Part D donut hole trap. My DH and I may pick different plans.  I’m considering a Medicare Medical Savings Account (Advantage) plans so I can use the account funds for a non-network dentist.  However, I’ve discovered that veterans enrolled in VHA cannot join Medicare Medical Savings Account (MSA) plans!   No explanation for this rule is offered on the MSA webpage–see “Who Can Join, right menu.”  My DH will have VA, original Medicare and maybe a stand-alone dental insurance.

images (1)Dental insurance?  It costs less to insure our Civic to the max than to buy a premium dental plan with a lousy $1,500 yearly spend limit. Dental insurance is a major rip-off for consumers but we may allow ourselves to be suckered into a basic plan if sanitary skillful local dentists are covered and accepting new patients.  That’s a big if.

(Veterans with dependent kids will be glad to know that when ACA kicks in, thousands of children (until 19) will get pediatric dental benefits through the exchanges.  I’ve only checked Vermont’s exchange.)

The Part D Donut hole.  I finally found a YouTube video that cleared up my confusion. The presenter, a medigap sales person, explains a smart tip to stay out of the blasted hole for as long as possible.  Once you see this video, you’ll see how tricky the no/low deductible and premium carrot plans like Humana’s cheapie Walmart Part D plan, isn’t necessarily a good deal.  His basic advice is to buy your $4 generics at Walmart, Target, etc. for cash and only your branded drugs with your part D plan card.  All I can say is, watch the video to understand why.  Be aware that different plans put the same drugs in different tiers and may have deductibles.  By design, the whole thing requires a lot of tedious study. The medical industry is counting on us to give up and go for the easy carrots and cheerful sales messages.

If you receive primary care at the VA, you don’t have to worry about this.  Based on your VA priority level, your meds will be cost-free or $9.00 per med.  Your VA primary doctor will also accept prescriptions from your non-VA doctor (last paragraph).

For those who might be taking the new pill form of HCV drugs next year, I expect the VA would be the least expensive route because even when one has passed through the donut hole into the covered catastrophic donut cake, you’ll still pay co-pays and/or co-insurance.   Over the next few years, the gaps may close and the discount percentages improve, but the drug companies can just raising their prices.  The insurance plans will increase their dispensing fees.  (I’ll try to find some good plan D calculators links to post later.)

The take-away is to stay away from Medicare’s donut hole if possible and donuts, even chocolate ones, in general.  And possibly self-insure and manage your own dental care in a health/medical saving health account plan or private bank account. 

Posted in Guest authors, Medical News | Tagged , , , , , , , , , , , | 3 Comments

VA SELLING MEMBER LISTS?

download (1)I have never donated to the DAV or any of the other 45 recognized VSOs chartered by Congress for the dubious task of helping Veterans with their claims. I have advertized nowhere or divulged to no one with my name formatted as I received it yesterday,

The Disabled American Veterans have sent me an invitation to become a life member. My name appears as it does at the VA  as in John E. Veteran. I have two middle names but go by my second name and sign my name with an initial first normally. My American Express Card is the only one printed like my signature  J. Extremely P. (roud) Veteran.

So what gives? Does DAV buy this list from VA? Is this how they backfill the loss of their bonuses? What’s the going rate? Two cents a name? Considering there’s only about 3.2 million of us, I think we’d be worth a quarter each. If old Arthur Wilson, Head of of DAV is knockin’ off $353, 519.00 per anum. I think it’s mighty cheeky of them to be calling disabled Vets who make 9% of that- if they’re totally disabled.

As my solicitation reads:

Remember Nod,

You’re one of us.  And we must stick together…

all of us…just like we did in the Armed Forces!

It also directly alludes to the fact that I am service-connected. Isn’t that like a, a…HIPPA violation of our Obamacare rights? I don’t want every Tom, Dick and VFW knowing I’m disabled. They might start mailing me too. Eventually I’d have to get a bigger mailbox. It seems something is afoot when total strangers write me and tell me about myself -and they aren’t even relatives from Liberia trying to help get my inheritance money wired to me.

DAV lifetime membership. pdf

Can you sue a non profit for false advertising? Look at that last tagline at the very bottom in the box. “We have the best-trained, most skilled veterans’  benefits experts in the United States.” Sounds like a ten gallon hat on a five gallon head.

DAV CARD1

Well, there ya go, Pilgrim.

Posted in All about Veterans, VSOs | Tagged , , , , , , , , | 4 Comments

OH, NO! SAY IT ISN’T SO MR. BILL

downloadReally? Another one? Say it ain’t so. Was he also a fiduciary by any chance for any of the Vets he counseled in his  former capacity as a VA psychiatrist? We could save taxpayers money and get a twofer if we did that. Well, that’s why we have  the VAOIG riding herd here. Nothing gets by them for long. Well, we know how VA measures time so that might need a more concise definition.  

Posted in OIG Entertainment | Tagged , , , , , , , | 3 Comments

DIY veterans service organizations

We’ve been reading Nod’s posts about the veteran scam organizations and high salaries of motherthose who feel entitled to pay themselves well for their efforts to help veterans.  It’s hard not to be distrustful of most of them. Do you trust yourself to do better (or, sorry, anything)?  Many of us would like to take action to help others in need but don’t have the financial means to do so.  Or perhaps physical energy is lacking.

Nobel Peace Prize Laureate Mother Teresa (1910-1997) didn’t let age and disability stop her from giving aid.  She used to tell people who wanted to volunteer in India to stay home and work with the lonely and poor in their own communities.  And she was right.  Most people are happy to overlook differences in religious beliefs when they feel a charity is really helping vulnerable people. The Salvation Army, an evangelical group, comes to mind at this time of year.

We can’t expect the federal government alone to alleviate poverty.  And they are making it easier for community groups to partner with them.  If feeding people is something you want to do, the USDA has an Emergency Food Program that works through state state agencies.  Organizations like churches can get commodity foods for cooking with or to distribute.  A church could cook up healthy meals like chili with these food commodities.  And HUD will sell properties to local governments organizations for $1 for rehabilitation for low income folks.  This is something small communities, through their town councils, can actually do to help veterans and widows get shelter.

Kent W. Keiths maxims/poem was reportedly hung on the wall of one Mother Teresa’s  Calcutta orphanages.

People are often unreasonable, illogical and self centered;
Forgive them anyway.

If you are kind, people may accuse you of selfish, ulterior motives;
Be kind anyway.

If you are successful, you will win some false friends and some true enemies;
Succeed anyway.

If you are honest and frank, people may cheat you;
Be honest and frank anyway.

What you spend years building, someone could destroy overnight;
Build anyway.

If you find serenity and happiness, they may be jealous;
Be happy anyway.

The good you do today, people will often forget tomorrow;
Do good anyway.

Give the world the best you have, and it may never be enough;
Give the world the best you’ve got anyway.

You see, in the final analysis, it is between you and your God;
It was never between you and them anyway.

Have a great weekend and email this post to someone who might be inspired to create a no-permission-needed DIY VSO. salvation

Posted in Food for thought, Guest authors, Tips and Tricks, VSOs | Tagged , , , , , , , , , , , , , , | 4 Comments

VETS OUTSIDE THE BOX- MOBILE MARGARITAS

atwar-webster-blog480UPI–From our Correspondent in California (Mark). In the new employment paradigm following the downsizing of our Military, employment for our newly-minted Veterans can be a challenge. Being an accomplished sniper or an ace with a 40 mike-mike grenade launcher doesn’t readily translate into a comparable civilian job. Many are coming to realize that “Being all you can be” doesn’t always have its civilian counterdesignation following separation. Being all you were may be complicated by a vast quantity of your fellow 11Bravo Vets vying for the same Walmart position. 

In order to strike out on your own, you need a plan. Yours must be unique and readily visible to others. There has to be an obvious advantage to using your technique as opposed to others with a similar approach. Quite simply, yours must be clearly superior. Likewise, you can’t run it at a deficit with free giveaways hoping it will catch on. In a word, you seek the sine qua non of mousetraps- the perfect ploy. You want to bring them running to your doorstep and lining up.

Desiree's new mousetrapMeet SFC Desiree NLN (no last names, please), recently of the Humvee mechanic persuasion.  She thought long and hard following her return from Afstan and abrupt, unplanned separation from the Army. Her marketable skills were not in dispute but she didn’t relish the idea of grease under her gorgeous fingernails every evening before putting on the warpaint and saddling up for the evening cherchez les hommes très beau. She sat through long, sunny days and pondered the waves at Venice Beach until she came up with what she felt hit on the bon idée. We agree with Desiree. The best male mousetrap has now been invented. This takes the lemonade stand to a whole new level.

This is why hiring the Vet is the best bet. They not only think outside the box but set the bar so high few civilians can compete. We were taught to be able to think on the fly with what we had at hand. Accomplishing the mission was paramount. As we used to say, if it’s stupid and works, then it actually isn’t all that stupid. Alternate uses of baling wire and duct tape were born of of this basic necessity and became the mothers of untold new inventions.

Mobile adult liquid beverages are moving into the twenty first century thanks to Veterans like Desiree. The fact that she is making a living wage of $1200-$1500 a day after overhead with a short commute to the beach (800 yards) shows her extensive business acumen.

downloadSaid Desiree at our interview with her last week near the fishing Pier at Santa Monica, “Now I know what Pamela Anderson must feel like 24/7. At least I can take my boobs off in the evening and revert back to normalcy. I get my pick of the street meat, too. Other women are pea-green with envy! At this rate, I can quit in ten years and have my retirement fully funded. And best of all, I didn’t have to compromise my morals. I go to church on Sunday so don’t be deceived by my persona down here at work. It’s simply a job.”

Posted in All about Veterans, Humor | Tagged , , , , , , , , , , , | 3 Comments