Category Archives: Consumer Issues

What I Learned from the Healthcare.gov Insurance Options Finder

Out of curiosity, I went to Healthcare.gov to find out what my insurance options would be if I were a 44 year old healthy female looking for coverage. I was prompted to do so by an email from Lt. Governor Elizabeth Roberts, reminding me that we are in the countdown to 2014, where everyone will need to be enrolled for insurance.

The only options that came up for me were provided by Blue Cross Blue Shield and they gave me a range of plans with deductibles from $3,000 to $7,000 a year and premiums with a range of $275 to $400 a month. I had checked the box saying it would be difficult for me to afford care, but fat lot of good that did.

Forgive me, Dear Reader, but this does not sound like Affordable Health Care. This sounds like how to potentially lose a good chunk of my savings as well as pay a hefty monthly premium, all so I can’t have any really meaningful access to care such as mental health benefits and emergency room access without having to go broke. If this is really all the Affordable Health Care Act is doing, I’m not sure it will be an improvement over what we have and may just lead to more medical bankruptcies for the middle class and the poor.

I am withholding judgement for now, as I assume that more options will be listed soon in the directory, such as some more affordable plans from United Health Care or Neighborhood Health Plan. That’s my hope at least. If you want to check it out for yourself, give the Healthcare.gov Finder a try.

Find Insurance Options | Finder.Healthcare.gov.

American Education: Brought to You by Corporate Giant Pearson

Here’s a telling quote from an article by Gail Collins:

An American child could go to a public school run by Pearson, studying from books produced by Pearson, while his or her progress is evaluated by Pearson standardized tests. The only public participant in the show would be the taxpayer.

via A Very Pricey Pineapple – NYTimes.com.

You have to wonder about the dangers of the growing control of corporations when you read stuff like this.

David Sirota on Why Corporations Don’t Like Labeling

This essay by David Sirota explains more about how the big soda corporations are dodging to get ingredients out that will be labeled carcinogens.  Link to the article.

The Truth Behind Hamburger: PINK SLIME!

If you haven’t eaten your last hamburger yet, this video should do it.  I know I’m done.

Kmareka Supporting Blackout Tomorrow to Protest SOPA and PIPA

To support Blackout Wednesday and in congruence with WordPress.com, Kmareka will be unavailable tomorrow for regular viewing. The settings will be turned to private so that it can’t be viewed. We will return on Thursday. To learn more about SOPA and PIPA and the threats they pose to internet communication and free speech, please see this article.

Make Yours Well-Done

Not surprisingly, what goes around, comes around. Our factory-farmed cows, pigs and chickens, stuffed with antibiotics, are reeking with drug-resistant staph bacteria.

Cook it well, wash your hands, and keep the kid’s hands off it. Wipe your countertops and pay attention to what goes where. You’ll be okay.

The longer view is to eat less, and better meat. To support local farmers and phase out the factory farms. And maybe give some CPR to public health, so that greedy, short-sighted speculators will not be allowed to squander what were once life-saving drugs so that they can raise animals in conditions that would normally kill them.

I’m descended from Celts, and my Barbarian ancestors tell me that Rome wasn’t demolished in a day. We won’t re-organize our agriculture from central to local overnight, but my Yankee ancestors say that it never hurts to keep a few chickens in the back yard just in case.

Let’s All Go Back to Using Baby Shampoo and Lotion

The Environment Minister of Denmark has created legislation to ban certain chemicals which are believed to cause disruption to the endocrine system. A small blurb here — there will likely be more news about this once it hits the mainstream publications. It sounds like a good idea for anyone concerned about endocrine disruptors to try out using baby shampoo and lotion from Denmark, if they are able to make them propyl and butyl paraben-free — it may be a good way to reduce your exposure to harmful chemicals.

Buying Trouble Online

Last year I didn’t know what to get my brother for Christmas, so on about 12/24 I went online and ordered him some praying mantis. I thought no more about it until I got a call on my cell phone while I was at work. A guy with a Southern accent was trying to explain how the projected hatch date would depend on when he went out into the fields to gather egg cases. Something about the temperature.

I think it turned out okay, I’ll have to ask my brother.

Though I’m timid about sending my credit card number to the World Wide Web, I’ve never had a problem. In fact, phone calls like that show how tiny businesses have a chance to sell online, without the overhead. And no one locally has mantis in stock around Christmas.

It’s all good, I would say, but this New York Times story is truly frightening– a reminder that anyone can set up a spiffy-looking site for free…

SHOPPING online in late July, Clarabelle Rodriguez typed the name of her favorite eyeglass brand into Google’s search bar.

In moments, she found the perfect frames — made by a French company called Lafont — on a Web site that looked snazzy and stood at the top of the search results…
… her eyeglasses arrived two days later. But the frames appeared to be counterfeits and Ms. Rodriguez, a lifelong fan of Lafont, remembers that even the case seemed fake.

Soon after, she discovered that DecorMyEyes had charged her $487 — or an extra $125. When she and Mr. Russo spoke again, she asked about the overcharge and said she would return the frames.

“What the hell am I supposed to do with these glasses?” she recalls Mr. Russo shouting. “I ordered them from France specifically for you!”

“I’m going to contact my credit card company,” she told him, “and dispute the charge.”

Until that moment, Mr. Russo was merely ornery. Now he erupted.

“Listen, bitch,” he fumed, according to Ms. Rodriguez. “I know your address. I’m one bridge over” — a reference, it turned out, to the company’s office in Brooklyn. Then, she said, he threatened to find her and commit an act of sexual violence too graphic to describe in a newspaper.

The rest of the article outlines how Russo, aka Vitaly Borker, used the Google search engine to advantage, the volume of complaints against Decor My Eyes sending him to the top of the list. Google was slow to take action, but the credit card company was worse, pretty much dodging any responsibility.

When reporter David Segal went to visit Decor My Eyes he found Vitaly Borker, eyeglass magnate, operating out of his apartment. Segal seemed almost charmed by Borker. He asked about Borker’s emails to Ms. Rodriguez…

I mention that sending that photo of her apartment building sounds kind of threatening.

Nothing but an image he copied off of the Web, from Google Earth, Mr. Borker says. He says he sent it to her only to underscore that when it came time to hire a process server to commence litigation, he’d find her. The “hand in fire” threat? Metaphorical, he says. Then again, he acknowledges with a sly grin, if Ms. Rodriguez thought that Tony Russo seemed a little scary, that was fine.

But in his telling of events, he is her victim, not the other way around.

“She’s a psycho,” he says, adding that she still has the glasses he sent her.

(Untrue, Ms. Rodriguez says.)

Despite the fear he has inspired, Mr. Borker doesn’t regard himself as a terror. He prefers to think of himself as the Howard Stern of online commerce — an outsize character prone to shocking utterances.

Except that Howard Stern doesn’t issue threats, I say.

“People overreact,” he pshaws, often because they’re unaccustomed to plain speaking, New York-style. Anyway, he adds, if somebody messes with you, and you mess back, “how is that a threat?”

Borker has a rap sheet for threats against other women.

This kind of behavior is called ‘stalking’– it’s a crime. Threatening to rape someone is a kind of hate crime. In all the coverage of Borker’s exploitation of Google and online marketing, that detail gets lost.

But for the moment, justice is done. Rodriguez and others had complained to the police, and after this article ran, Borker was arrested and charged.

He had been stalking several women, threatening rape and calling them at work and in the middle of the night. He had guns and ammunition in his apartment. The judge denied him bail. It’s discouraging that the personal crimes carry a far lower penalty than his dealing in counterfeit goods, but more so that the police were so slow to act until it made the papers. Details are here.

We’re Watching You

This is a little unsettling. It’s been going on for years, I’m sure, but I never noticed it till now.

I went on Google to look up remote control light switches– a slightly unusual piece of hardware. Now several sites I visit have flashy ads for them. Makes me glad that I never assumed my internet searches are private.

You can’t beat the net for putting out information in public. Being able to instantly publish my cranky opinions and talk back to the news is like candy. If I want privacy, I’ll send a letter.

That’s how I always operated, but the light switch thing is a reminder– your screen is watching you.

Save Those Coats

If you love crowds and standing in long lines while spending money on stuff you’re not sure will make anyone happy while listening to singing chipmunks, then don’t read this post. Go to the Provicence Place Mall the day after Thanksgiving.

But if you’re a dour curmudgeon, or just contrary, November 26 is Buy Nothing Day. Right across the street, on the State House lawn, is the 14th annual Winter Coat Exchange. (in case of rain, St. John’s Cathedral will host). Bring a coat you don’t need, or get one you do need. Link to the event is here.

There are other coat exchanges around town, I’ll list them as I find out about them.

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