Blue & You - Autumn 2009

Beating the Odds; Medicare Enrollment Information

Beating the Odds;
Medicare Enrollment Information


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<strong>Autumn</strong> 09<br />

• Read our CEO’s editorial about health care reform, Page 3<br />

• Enroll now in one of our Medicare plans, Page 5<br />

• Dr. David offers healthy eating tips, Page 16<br />

Dan Peterson of Little<br />

Rock, Ark., is a survivor of<br />

pancreatic cancer. See his<br />

story on Page 6.<br />

A publication for the policyholders of the Arkansas<br />

<strong>Blue</strong> Cross and <strong>Blue</strong> Shield family of companies

on Page 12<br />

5 Medicare enrollment information<br />

12 SilverSneakers<br />

adds to active lifestyle<br />

19 Yarnell’s & Arkansas <strong>Blue</strong> Cross<br />

INSIDE<br />

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10<br />

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Out of the <strong>Blue</strong><br />

Great options for members 65 and over<br />

Beating the odds: Dan Peterson’s journey<br />

with pancreatic cancer<br />

Can Zicam damage your sense of smell?<br />

Caffeine may reduce Alzheimer’s memory loss<br />

Beware: Tanning beds cause cancer<br />

Prepare for two flus this fall<br />

SilverSneakers adds to active lifestyle<br />

Prediabetes? Take the warning seriously!<br />

Lose weight The Healthy Weigh!<br />

Taking calcium supplements for weight loss?<br />

What not to feed Junior<br />

Senior Moments with Dr. David<br />

Where does your health-care dollar go?<br />

A sweet relationship:<br />

Yarnell’s and Arkansas <strong>Blue</strong> Cross<br />

From the Pharmacist —<br />

Are you an unintentional drug dealer?<br />

Curves offers discount to members<br />

What is a formulary?<br />

The Doctor’s Corner<br />

Three benefits added to group Dental<strong>Blue</strong> plans<br />

Mental Health Parity: What it means for you<br />

Women’s Health and Cancer Rights Act<br />

<strong>Blue</strong> & <strong>You</strong> Fitness Challengers win with<br />

better health<br />

Customer Service telephone numbers<br />

Good for you<br />

<strong>Autumn</strong> 09<br />

is published four times a year by<br />

Arkansas <strong>Blue</strong> Cross and <strong>Blue</strong> Shield for<br />

the company’s members, health-care<br />

professionals and other persons<br />

interested in health care and wellness.<br />

Vice President, Communications and Product Development: Karen Raley<br />

Editor: Kelly Whitehorn — BN<strong>You</strong>-Ed@arkbluecross.com<br />

Designer: Gio Bruno Photographer: Chip Bayer<br />

Contributors: Chip Bayer, Matthew Creasman, Damona Fisher, Kristy Fleming,<br />

Jennifer Gordon, Trey Hankins, Heather Iacobacci-Miller, Ryan Kravitz, Kathy<br />

Luzietti and Mark Morehead<br />

A special thank you to Stacy Harter, a University of Arkansas at Little Rock graduate student, who contributed the article on chiropractic medicine in the Summer 09<br />

edition of <strong>Blue</strong> & <strong>You</strong>.

Out of the<br />

<strong>Blue</strong><br />

A message from our<br />

CEO and President,<br />

Mark White<br />

Our stance on health care reform<br />

In the ever-changing environment around health care<br />

reform, there are a few constants. At Arkansas <strong>Blue</strong><br />

Cross and <strong>Blue</strong> Shield, our position on health care reform<br />

has not changed.<br />

• We support health care reform. We believe changing<br />

our current system is important to Americans<br />

individually and collectively. The rate of growth in<br />

health-care costs today is not sustainable for the<br />

long term. The impact of these costs on our nation’s<br />

ability to compete in a global economy and<br />

on hard-working Americans will be unbearable. We<br />

believe so strongly in the need for change that we<br />

will support responsible changes even if they require<br />

that we as a health insurance company significantly<br />

change the way we do business.<br />

• We believe that every American should have access<br />

to high-quality, affordable health care, and<br />

that any reform enacted should address the problem<br />

of the uninsured by providing financial assistance to<br />

those who cannot afford coverage on their own.<br />

• We believe that the most significant issue we<br />

face in health care today is cost. To be successful,<br />

any reform enacted must address cost as the<br />

primary issue. It is cost that has created a situation<br />

in which many Americans lack health coverage. It is<br />

the cost of health care that makes our current system<br />

unsustainable. We must first address the cost in<br />

order to reform health care without bankrupting the<br />

country in the process.<br />

As an industry, we must be — and are — prepared to<br />

make radical changes in the way we do business. One<br />

much-maligned insurance company practice is denying<br />

coverage or payment for those with pre-existing medical<br />

conditions. Early in the health-care discussions, our<br />

industry pledged to support guaranteeing coverage for<br />

everyone despite any pre-existing health condition<br />

they might have. But to make this proposal affordable,<br />

we must have laws that require everyone who can<br />

afford it to purchase insurance and stiff penalties for<br />

those who fail to do so. Without these laws, people<br />

would not buy insurance until they got sick. And we all<br />

know you don’t wait until after you’ve burned dinner to<br />

turn off the oven.<br />

But other changes are needed to make health care<br />

3<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

4<br />

available and affordable for all Americans. Remember<br />

that the problem is the cost of health-care services,<br />

which directly impacts your health insurance costs.<br />

Health-care costs drive health insurance costs — not<br />

the other way around. There are a number of reform initiatives<br />

that hold promise for addressing our cost problem.<br />

The most important has not been part of the public<br />

debate. Payment reform is an important first step if we<br />

are serious about controlling the cost of health care.<br />

We must change how we pay health-care providers,<br />

not necessarily how much we pay them. Today, doctors,<br />

hospitals and other health-service<br />

providers are paid for each service<br />

they provide, even if that service isn’t<br />

helpful or already has been done. This<br />

method of payment is called “fee-forservice.”<br />

In this environment, patients<br />

often see specialists and undergo<br />

many tests and procedures with no<br />

one coordinating the care they receive<br />

from one doctor to the next. We need<br />

a system in which doctors and hospitals<br />

are paid to treat a patient’s “medical<br />

episode” rather than each medical<br />

service provided. An episode might be a hysterectomy<br />

or a heart attack or any other condition for which a<br />

patient might seek medical care. When we pay doctors<br />

and hospitals to treat a patient’s medical episode, they<br />

are incented to coordinate the care the patient receives,<br />

avoid duplicate and unnecessary testing and provide<br />

care that has been proven effective and necessary.<br />

Another important initiative that will contribute to a<br />

more efficient system is the expansion of health information<br />

technology (IT) in the health-care delivery system.<br />

This initiative already is included in many reform<br />

proposals and is part of the American Recovery and<br />

Reinvestment Act (ARRA) of <strong>2009</strong>. We need a system<br />

that links the health plan, the doctor, the hospital and<br />

We need a system<br />

in which doctors<br />

and hospitals are<br />

paid to treat a<br />

patient’s<br />

“medical<br />

episode”<br />

rather than each<br />

medical service<br />

provided.<br />

the patient together so that everyone has access to the<br />

information they need to best treat each patient and get<br />

their claims paid. This means when you see your doctor<br />

or visit the emergency room, the physician or nurse<br />

should be able to enter your name and other identifiable<br />

information in a computer and review your medical<br />

records. This will help avoid delays in care and unnecessary<br />

tests, as well as give the health-care providers a<br />

clear understanding of your medical history.<br />

Let me give an example: your 80-year-old mother<br />

goes to the emergency room and the doctor doesn’t<br />

have any experience treating her. He<br />

has no access to her medical records.<br />

He may have to order more tests, prescribe<br />

more medicines and take more<br />

time trying to diagnosis the problem.<br />

Some of these procedures are probably<br />

not necessary and may actually be<br />

harmful. The doctor won’t know if the<br />

same tests or procedures were conducted<br />

just a few months before. He<br />

could save time and money if he had<br />

access to her medical history, and he<br />

would be more effective in treating her<br />

with the appropriate information at his fingertips. That is<br />

the promise of improved health IT.<br />

As you listen to all the discussion surrounding the<br />

current health-care debate, I encourage you to keep<br />

one question in mind. How will this particular proposal<br />

or plan help control cost? Responsible health care<br />

reform will build on our current employer-based system<br />

in ways that make it more affordable. Will huge, new<br />

government bureaucracies control costs? How about increasing<br />

taxes or placing new demands on employers?<br />

I hope that each of you will take the time to consider all<br />

the proposals out there and make an educated decision<br />

about what is best for you and those you love. That’s<br />

the American way.<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>


for members 65 and over<br />

If you are eligible for Medicare, November 15 is an coverage) in 27 counties and affordable premiums<br />

important date to remember. From November 15 until in all Arkansas counties. Medi-Pak Advantage MA-<br />

December 31, you can purchase a Part D prescription PD (PFFS) plans are Medicare PFFS plans, which<br />

drug plan or Medicare Advantage plan. <strong>You</strong> also can combine all the benefits of original Medicare (Part A<br />

change the plan you have. The federal government’s hospital and Part B medical) with valuable extras.<br />

Centers for Medicare and Medicaid Services (CMS)<br />

Beginning Jan. 1, 2010, our Medi-Pak Advantage<br />

(PFFS) customers have a great new benefit!<br />

calls this time period the Annual Election Period (AEP).<br />

If you join a plan during the AEP, or make changes to Arkansas <strong>Blue</strong> Cross has contracted with more than<br />

an existing plan, your new benefits will be effective 6,000 doctors and hospitals all over the state that<br />

Jan. 1, 2010.<br />

have agreed to accept our Medi-Pak Advantage<br />

Medi-Pak Choice plans offer peace of mind<br />

members as valued patients. No more searching for<br />

Arkansas <strong>Blue</strong> Cross and <strong>Blue</strong> Shield’s Medi-Pak<br />

a doctor who will accept your health plan. <strong>You</strong> will<br />

Choice plans provide the same affordability, convenience<br />

and peace of mind you’ve come to expect<br />

know in advance the doctors and hospitals that will<br />

accept your plan. And when you use these doctors<br />

from us.<br />

and hospitals, you’ll have lower out-of-pocket costs.<br />

For 2010, Arkansas <strong>Blue</strong> Cross will offer:<br />

Plus, our Medi-Pak Advantage members will continue<br />

to receive a membership in the SilverSneakers ®<br />

• Three Medi-Pak Rx Prescription Drug Plans (PDP)<br />

with competitively priced monthly premiums – Basic<br />

Fitness Program at no additional cost.<br />

at $25.90, Classic at $57.20 and Premier at $86.50.<br />

• $0 premiums for Medi-Pak Advantage MA (PFFS)<br />

Our Medi-Pak Rx (PDP) plans cover all Medicareapproved<br />

generic drugs plus an extensive list of<br />

(does not include drug coverage) in 52 counties. These<br />

plans offer all the health benefits of our Medi-Pak<br />

brand-name prescription drugs. In addition, more<br />

Advantage MA-PD plans, but do not include drug coverage.<br />

Members have access to a network of 6,000<br />

than 95 percent of the pharmacies in Arkansas are in<br />

our network.<br />

doctors and hospitals that have agreed to accept their<br />

• $0 premiums for Medi-Pak Advantage MA-PD<br />

plan and receive a SilverSneakers membership.<br />

Private Fee-for-Service (PFFS) plans (includes drug<br />

Great options, continued on Page 18<br />

5<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

Beating the odds:<br />

6<br />

Miracles can happen. Dan<br />

Peterson is living proof.<br />

In late 2002, Dan began having<br />

severe pain in his upper abdomen.<br />

After a few days with no relief, he<br />

and his wife, Donna, went to the<br />

emergency room at a local hospital.<br />

Dan and Donna Peterson<br />

enjoy the view from their<br />

front porch.<br />

Dan endured several tests, including<br />

a CAT scan, and was diagnosed<br />

with pancreatitis — inflammation of<br />

the pancreas. One of the medical<br />

professionals noted that there was<br />

“something” on the CAT scan results<br />

but did not suggest any follow<br />

up, and Dan was sent home.<br />

Two days later Dan returned<br />

to the hospital, still in pain, and<br />

was admitted. After a few more<br />

tests, Dan’s doctor walked into<br />

the room and told his family he had<br />

bad news.<br />

“It was like the air was sucked<br />

out of the room,” Donna said, still<br />

fighting back tears from that painful<br />

memory. “He said that Dan had<br />

stage-four pancreatic cancer and he<br />

needed to go home and settle his<br />

affairs because he only had a few<br />

months to live.”<br />

Dan’s pancreas had an adenocarcinoma,<br />

a cancer originating in<br />

glandular tissue, and it had spread<br />

to two locations in his liver. There<br />

was no talk of oncologists, surgery<br />

or other treatments. The doctor suggested<br />

that Dan and his family start<br />

saying goodbye.<br />

Donna said that the only thing<br />

keeping her together at that point<br />

was that she had to be strong for<br />

their five children. “I couldn’t eat;<br />

I couldn’t take a deep breath; I<br />

couldn’t imagine life without him.”<br />

Dan went back to his job as a<br />

human resources director for the<br />

Central Arkansas Veterans Healthcare<br />

System and contacted his<br />

friend, Nick Lang, M.D., a surgical<br />

oncologist who was chief of staff for<br />

the Department of Veteran’s Affairs<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

Dan Peterson’s journey with pancreatic cancer<br />

(DVA) hospital at the time and who<br />

now is chief medical officer for the<br />

University of Arkansas for Medical<br />

Sciences (UAMS). Lang contacted<br />

Laura Hutchins, M.D., director of<br />

the UAMS division of Hematology/<br />

Oncology and director of clinical<br />

research for the UAMS Winthrop P.<br />

Rockefeller Cancer Institute.<br />

The Cancer Institute has a tightknit<br />

group of physicians and researchers<br />

who focus on specific<br />

types of cancer, one of the reasons<br />

it’s been named a <strong>Blue</strong> Distinction<br />

Center of Excellence for Rare<br />

Cancers by the <strong>Blue</strong> Cross and <strong>Blue</strong><br />

Shield Association. Dr. Hutchins<br />

quickly paired Dan up with Issam<br />

Makhoul, M.D., associate professor<br />

of medicine in the division of Hematology/Oncology.<br />

The first person to talk with Dan<br />

and Donna at Dr. Makhoul’s office<br />

was Michelle Welch, R.N., Dr. Makhoul’s<br />

nurse. Donna remembers her<br />

shock when Michelle said, “It’s not<br />

over — we have lots of things we’re<br />

going to throw at you.” Michelle<br />

confirmed that it is true that the<br />

prognosis for pancreatic cancer<br />

is not good for anyone, but given<br />

Dan’s relatively young age of 57, and<br />

his excellent health otherwise (at<br />

the time he also was a warrant officer<br />

in the Arkansas National Guard),<br />

she felt he had a better chance than<br />

many people.<br />

“I will always be grateful to her<br />

for that,” Donna said. “She gave me<br />

my world back.”<br />

Dan and Donna before he<br />

was diagnosed with cancer.<br />

That glimmer of hope shone<br />

even brighter as they visited with<br />

Dr. Makhoul himself. His warm<br />

demeanor and positive attitude<br />

allowed them to think toward the<br />

future for the first time in weeks.<br />

He told Dan that he believed he had<br />

at least a year to live, if not longer,<br />

and that his team would try several<br />

of the latest therapies to shrink<br />

the tumor and look into ongoing<br />

research to see if new treatments<br />

were available.<br />

“We had considered going out of<br />

state for Dan’s treatment,” Donna<br />

said, “but after that first visit we<br />

realized how blessed we were to<br />

live in Little Rock, so close to such a<br />

renowned medical center.” She said<br />

she and Dan visited with people<br />

from throughout the country in the<br />

waiting rooms of the Cancer Institute<br />

who had come for the excellent,<br />

state-of-the-art treatment.<br />

Part of the reason UAMS is recognized<br />

nationally for its treatment<br />

of rare cancers is that its missions<br />

of teaching, healing, searching and<br />

serving are interwoven into the<br />

daily activities of its employees. Dr.<br />

Makhoul said he originally planned<br />

to only stay a short time at UAMS,<br />

but found he enjoyed the balance<br />

of treating patients, heading the<br />

fellowship program, interacting with<br />

the residents and working on his<br />

own research.<br />

As a <strong>Blue</strong> Distinction Center of<br />

Excellence for Rare Cancers, the<br />

Cancer Institute must meet high<br />

quality standards established by an<br />

expert panel of physicians, surgeons<br />

and other health-care professionals.<br />

When a hospital has been designated<br />

a <strong>Blue</strong> Distinction Center, you<br />

know they have expertise in that<br />

specialty, that they focus on quality,<br />

and that they have a history of patients<br />

with Issam Makhoul, M.D.<br />

positive<br />

outcomes.<br />

Hospitals<br />

provide<br />

care differently,<br />

and<br />

the <strong>Blue</strong><br />

Cross and<br />

7<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

member and health-care<br />

team to maximize the<br />

benefits available and help<br />

them return to self-managing<br />

their care.”<br />

“I had no idea in the beginning<br />

that there would<br />

be that kind of help, but<br />

any time I had a question I<br />

knew I could call Brenda,”<br />

Donna said. Part of Dan’s<br />

treatment still includes a<br />

nightly infusion of IV fluids,<br />

and the port must be<br />

changed weekly. For sev-<br />

8<br />

<strong>Blue</strong> Shield Association has created<br />

a process where hospitals can demonstrate<br />

their expertise.<br />

If you are looking for a hospital<br />

with a <strong>Blue</strong> Distinction designation,<br />

go to our Web sites and visit our<br />

“Members” section. We do the work<br />

for you, so you can be assured you<br />

are receiving the best care possible.<br />

The Petersons also were grateful<br />

to have Arkansas <strong>Blue</strong> Cross and<br />

<strong>Blue</strong> Shield as their health insurance<br />

provider. “Arkansas <strong>Blue</strong> Cross<br />

has just been fantastic,” Dan said,<br />

remembering the ease of getting<br />

his expensive treatments covered.<br />

When Dan retired from the National<br />

Guard he qualified for Tricare, a<br />

program for retired military members.<br />

Still, he insisted on keeping<br />

Arkansas <strong>Blue</strong> Cross as his secondary<br />

insurance because he knew the<br />

importance of having good healthcare<br />

coverage.<br />

A few days after Dan’s diagnosis,<br />

Donna listened to a voicemail from<br />

Brenda Strange, R.N., C.C.M., case<br />

If you are looking for<br />

a hospital with a <strong>Blue</strong><br />

Distinction designation, go<br />

to our Web sites and visit<br />

our “Members” section.<br />

We do the work for you, so<br />

you can be assured you are<br />

receiving the best<br />

care possible.<br />

management coordinator for Arkansas<br />

<strong>Blue</strong> Cross. Donna dismissed<br />

the first call, but Brenda was insistent<br />

and, through one of the visiting<br />

nurses, got Donna to call her back.<br />

Brenda explained that case managers<br />

don’t direct member’s care, as<br />

some often think. “As a case manager,<br />

I help coordinate the plan of<br />

care already in place, work with the<br />

eral months, nurses came<br />

out to change the port, but then the<br />

Petersons received a notice that the<br />

number of visits was running out.<br />

Donna immediately called Brenda<br />

for help.<br />

“We were able to offer an alternative<br />

benefit plan that would allow for<br />

an extension of Dan’s skilled nursing<br />

visits to support Donna,” Brenda<br />

remembered. “This allowed Dan to<br />

receive some of his treatments at<br />

home, which would have otherwise<br />

caused him to return to the hospital<br />

during acute episodes of his illness.”<br />

For more about case managers<br />

at Arkansas <strong>Blue</strong> Cross, visit<br />

our Web site at arkansasbluecross.<br />

com and select “Case Management<br />

Services” under the “Members”<br />

section.<br />

Dan’s treatment included visits<br />

to the Central Arkansas Radiation<br />

Therapy Institute (CARTI) along with<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

powerful doses of chemotherapy<br />

that thinned his hair but not his spirit.<br />

At one point Dan asked Brenda,<br />

“Why do you think I’m still here?”<br />

and her answer was, “Because you<br />

make everyone better.”<br />

By September 2003, Dan’s tumor<br />

had shrunk enough that the doctors<br />

decided to try to remove it.<br />

With the waiting room packed with<br />

family members, Ralph Broadwater,<br />

M.D., chief of Surgical Oncology for<br />

UAMS, started the operation, only<br />

to stop three hours later in frustration.<br />

The tumor was too close to a<br />

main artery. He was, however, able<br />

to remove one of the tumors on<br />

the liver; the other had disappeared<br />

from the treatments.<br />

While the operation wasn’t successful,<br />

Dan continued to keep a<br />

positive outlook and to “live in the<br />

moment.” During a long wait to<br />

see Dr. Makhoul, Dan and Donna<br />

decided to have some fun. Using a<br />

marker,<br />

they<br />

drew a<br />

face on<br />

Dan’s<br />

belly,<br />

using the scar from the operation as<br />

a frown. They tried to keep straight<br />

faces as Dr. Makhoul lifted Dan’s<br />

shirt, but it was no use and they<br />

burst out laughing. As time went<br />

by Dr. Makhoul and his staff found<br />

quirky notes on the door of the examination<br />

room, silver nail polish on<br />

Dan’s toes when they became discolored<br />

from the medication — anything<br />

to make light of the situation.<br />

“We relied a lot on humor and just<br />

staying in the moment,” Dan said.<br />

By 2005, the chemotherapy had<br />

taken a toll on Dan’s bone marrow.<br />

Dr. Makhoul found information<br />

regarding a medication not yet approved<br />

for pancreatic cancer, but<br />

one that sounded promising. Arkan-<br />

Go to <strong>Blue</strong> & <strong>You</strong> Online on our Arkansas<br />

<strong>Blue</strong> Cross and Health Advantage Web sites<br />

for more on Dan’s journey.<br />

sas <strong>Blue</strong> Cross approved the “designer”<br />

drug for Dan, which is now<br />

an accepted medication for certain<br />

types of pancreatic cancer.<br />

One of the misunderstandings<br />

people have about cancer is that<br />

they consider it all to be the same<br />

thing. Dr. Makhoul said he often<br />

hears people ask, “Why can’t you<br />

cure cancer?” but in reality there<br />

are many subsets of cancers, some<br />

much more easily treatable than<br />

others.<br />

Research began about 25 years<br />

ago into the link between genetics<br />

and certain forms of cancer. “We<br />

now are harvesting the fruits of this<br />

work,” Dr. Makhoul said, through<br />

medications focused on specific human<br />

genes that may contribute to a<br />

person’s predisposition for a type of<br />

cancer. In Dan’s case, even though<br />

pancreatic cancer in general is difficult<br />

to treat, his specific cancer<br />

responded extremely well to the<br />

medications, and his excellent overall<br />

physical health allowed him to<br />

endure treatments that many other<br />

patients couldn’t have tolerated.<br />

“There is no question in my mind<br />

that he is cured at this point,” Dr.<br />

Makhoul said of Dan.<br />

Almost seven years after his jour-<br />

9<br />

Peterson, continued on Page 21<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

10<br />

Can Zicam<br />

damage<br />

your sense of smell?<br />

The U.S. Food and Drug Administration (FDA) has received<br />

more than 130 reports of loss of sense of smell<br />

associated with the following Zicam ® products:<br />

1. Zicam Cold Remedy Nasal Gel<br />

2. Zicam Cold Remedy Nasal Swabs<br />

3. Zicam Cold Remedy Swabs, Kid’s Size (a discontinued<br />

product)<br />

The FDA advises consumers to stop using these<br />

over-the-counter cold remedy products due to the risk<br />

of loss of sense of smell, which may be long lasting or<br />

permanent. If you have used any of these products and<br />

experienced a loss of sense of smell, you are encouraged<br />

to contact your health-care professional.<br />

Caffeine may reduce<br />

Alzheimer’s<br />

memory<br />

loss<br />

In a recent study published<br />

in the Journal of<br />

Alzheimer’s Disease, researchers<br />

found that caffeine<br />

may reverse memory<br />

loss associated with the illness.<br />

The study was conducted using mice bred to develop<br />

symptoms of Alzheimer’s disease. They were given 500<br />

milligrams of caffeine in their water daily upon developing<br />

memory problems. Mice that drank the caffeinated<br />

water performed better on memory tests and thinking<br />

skills over the mice given plain water. They also experienced<br />

a nearly 50 percent reduction in the level of<br />

beta-amyloid — a protein found in the brains of people<br />

with Alzheimer’s disease.<br />

Human studies are planned based on these positive<br />

findings.<br />

Source: FDA<br />

Beware:<br />

Source: WebMD<br />

Tanning beds<br />

cause cancer<br />

Tanning beds and other sources of ultraviolet radiation<br />

are in the top cancer risk category — as deadly as<br />

arsenic and mustard gas — according to a study from<br />

the International Agency for Research on Cancer.<br />

The research showed that skin cancer risk increases<br />

by 75 percent when tanning beds are used before the<br />

age of 30.<br />

Researchers also found evidence that UV-emitting<br />

tanning devices are associated with ocular melanoma.<br />

Ocular melanoma is a cancer of the eye that can be<br />

lethal, especially if it spreads to the liver, a common<br />

complication.<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

Prepare for<br />

two flus this fall<br />

Every flu season has the potential to cause a lot<br />

of illness, doctor’s visits, hospitalizations and deaths,<br />

but this year the Centers for Disease Control and<br />

Prevention (CDC) is concerned that the novel H1N1<br />

(swine) influenza virus could result in a particularly<br />

severe flu season.<br />

Vaccines are the best tool we have to prevent the<br />

flu, so this year, plan to vaccinate twice — once for the<br />

seasonal flu and once for the H1N1 flu. Vaccinations<br />

for the seasonal flu already may be available in some<br />

areas, and the H1N1 vaccine is expected to be ready<br />

sometime this fall. The H1N1 vaccine is not intended to<br />

replace the seasonal flu vaccine — it is intended to be<br />

used alongside the seasonal flu vaccine.<br />

The CDC’s Advisory Committee on Immunization<br />

Practices recommends that the following groups receive<br />

the novel H1N1 (swine) influenza vaccine when it<br />

becomes available:<br />

• Pregnant women*<br />

• People who live with or care for children younger<br />

than 6 months of age<br />

• Health-care and emergency services personnel<br />

• Persons between the ages of 6 months through 24<br />

years of age<br />

• People from ages 25 through 64 years who are at<br />

higher risk for novel H1N1 because of chronic health<br />

disorders or compromised immune<br />

systems.<br />

Once the demand for vaccine for the<br />

prioritized groups has been met at the<br />

local level, vaccinations will be available for everyone<br />

from the ages of 25 through 64 years. Current studies<br />

indicate that the risk for infection among persons age<br />

65 or older is less than the risk for younger age groups.<br />

However, once vaccine demand among high-risk groups<br />

has been met, vaccinations will be offered to people<br />

65 or older. People 65 and older should continue to get<br />

the seasonal flu shot as soon as it becomes available in<br />

their area.<br />

My <strong>Blue</strong>print, our self-service online member portal,<br />

can help you access information on your health-care coverage<br />

24/7, which could be helpful during a flu outbreak.<br />

* Pregnant women are more at risk from<br />

swine flu<br />

Pregnant women may be at higher risk for severe<br />

complications from the H1N1 swine flu virus. Therefore,<br />

the CDC recommends that pregnant women should receive<br />

the same treatment and prevention regimens as<br />

recommended for seasonal flu — oseltamivir (Tamiflu ® )<br />

and zanamivir (Relenza ® ) or a vaccine when available.<br />

If you are pregnant and suspect you may have been<br />

exposed to the H1N1 virus, or are experiencing flu-like<br />

symptoms, contact your physician right away.<br />

Source: CDC<br />

Go to <strong>Blue</strong> & <strong>You</strong> Online on our Arkansas<br />

<strong>Blue</strong> Cross and Health Advantage Web sites<br />

for more on the H1N1 flu.<br />

11<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

SilverSneakers<br />

adds to active<br />

lifestyle<br />

Pat Hagemeier of<br />

Russellville, Ark., and<br />

her husband, Dean,<br />

make exercise a part<br />

of their life together.<br />

12<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

Pat Hagemeier of Russellville<br />

started life as a self-proclaimed<br />

klutz, but her love of exercise has<br />

helped her overcome numerous<br />

obstacles.<br />

When her children were small,<br />

she enrolled in an exercise class<br />

at the YWCA and was immediately<br />

hooked. “I bought a Good Housekeeping<br />

78 rpm exercise record to<br />

use when I couldn’t find a class to<br />

take and faithfully worked out to<br />

it. I also got a 45 rpm record called<br />

“Chicken Fat,” and my children<br />

would join me in marching, doing<br />

jumping jacks and touching toes<br />

during cooped-up winter days.”<br />

Later, as a school counselor, she<br />

and other teachers would exercise<br />

to a video in the library at the end of<br />

the day and then walk the track. She<br />

said her children would often join<br />

her on the walk to share their day.<br />

“It was a wonderful time to talk and<br />

to transition.”<br />

About 17 years ago, St. Mary’s<br />

Wellness Fitness Center opened in<br />

Russellville, and Pat and her husband,<br />

Dean, began taking advantage<br />

of all the classes and facilities. “I<br />

did weight lifting, cardio and stretch<br />

classes and loved the way I felt.”<br />

Two years ago, the center added<br />

the SilverSneakers ® Program, and<br />

Pat said that with those added<br />

classes she is at the facility four or<br />

five times a week.<br />

“They’re fantastic,” Pat said of the<br />

staff at St. Mary’s Wellness Fitness<br />

Center, adding that the SilverSneakers<br />

classes are so popular, “there’s mutual trip when they finished. “It<br />

dollar per mile as a travel kitty for a<br />

always a room full” of 40 or more took us varying amounts of time to<br />

people. And the classes aren’t easy, complete the goal because life has<br />

even for a seasoned exerciser like a way of constantly interfering with<br />

Pat. “They push you a bit and challenge<br />

you to increase your endur-<br />

the goal and we’re off to Greece<br />

plans, but eventually we all reached<br />

ance. <strong>You</strong> leave feeling really good.” this fall!”<br />

Pat and Dean have made the Part of life’s “interference” for Pat<br />

fitness center a part of their daily included two surgeries for cancer.<br />

routine, even though they often “The day my staples came out I<br />

don’t go at the same times. Pat said asked the doctor if I could begin<br />

she likes to go early in the day for walking again, and she said to just<br />

the classes, while Dean often goes not overdo it. I decided that I would<br />

later in the day to use the whirlpool try to walk around our block that day<br />

and other facilities. She said the and then double the distance each<br />

fitness center has brought them day. It was no time before I was<br />

even closer together, because they back up to four to six miles a day,<br />

both see their friends and can share and I felt great.” Recovery after the<br />

the latest news when they get back second surgery was a bit slower,<br />

together for meals.<br />

Pat said, but she still credits her<br />

Dean, 76, is an avid bicycle rider quick recovery with the fact that she<br />

who has participated three times in was in excellent physical shape.<br />

the Des Moines Register’s Annual This year, at age 71, Pat reached<br />

Great Bicycle Ride Across Iowa, a another fitness goal. She participated<br />

in walking the half marathon<br />

seven-day bicycle ride. According to<br />

the Des Moines Register, the ride at the Little Rock Marathon in early<br />

is the<br />

longest, Go to <strong>Blue</strong> & <strong>You</strong> Online on our Arkansas <strong>Blue</strong><br />

largest Cross and Health Advantage Web sites for more on<br />

and<br />

SilverSneakers and upcoming speaker events.<br />

oldest<br />

touring<br />

bicycle ride in the world.<br />

March. “It was a great experience!<br />

Walking is a big part of Pat’s exercise<br />

regime, and for several years, walking buddies, seeing the mass<br />

Training for it with my dedicated<br />

she and two of her friends have of racers committed to a single goal,<br />

been virtually walking across the hearing words of encouragement<br />

United States. They each put in one Hagemeier, continued on Page 27<br />

13<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

Prediabetes?<br />

Take the warning seriously!<br />

Lose<br />

weight<br />

The Healthy<br />

Weigh!<br />

The Healthy Weigh! Education<br />

Program is free for members of Arkansas<br />

<strong>Blue</strong> Cross and <strong>Blue</strong> Shield,<br />

Health Advantage, <strong>Blue</strong> Cross and<br />

<strong>Blue</strong> Shield Service Benefit Plan<br />

(Federal Employee Program), and<br />

14<br />

Prediabetes is a warning signal<br />

that you are at risk for diabetes —<br />

your blood sugar is higher than it<br />

is getting your blood sugar levels<br />

back to a normal range. <strong>You</strong> can<br />

do this by making some lifestyle<br />

eligible members of <strong>Blue</strong>Advantage<br />

Administrators of Arkansas.<br />

To enroll, complete the attached<br />

should be. Most people who get<br />

changes.<br />

enrollment form and return it in the<br />

type 2 diabetes have prediabetes<br />

• Make healthy food choices.<br />

self-addressed, postage-paid enve-<br />

first, but the good news is that<br />

Limit how much fat you eat and<br />

lope included in this magazine. The<br />

lifestyle changes may help you get<br />

try to eat foods high in fiber. Try<br />

program starts when you enroll.<br />

your blood sugar back to normal<br />

to eat about the same amount<br />

After enrollment, you will begin<br />

and avoid or delay diabetes.<br />

of carbohydrates at each meal.<br />

to receive information through the<br />

Often, prediabetes has no signs<br />

This helps keep your blood<br />

mail, which you can read in the<br />

or symptoms. But it’s important to<br />

sugar steady.<br />

privacy of your own home and at<br />

watch for the classic red flags of<br />

• Watch your weight. If you are<br />

your own pace. The program is<br />

type 2 diabetes, including:<br />

overweight, losing just a small<br />

completely voluntary, and you may<br />

• Increased thirst<br />

amount of weight may help.<br />

leave the program at any time. If<br />

• Frequent urination<br />

• Be active. Exercise at least<br />

you have further questions about<br />

• Extreme hunger<br />

30 minutes each day. <strong>You</strong> may<br />

the program, call the Health Educa-<br />

• Unexplained weight loss<br />

want to swim, bike or walk.<br />

tion Program’s toll-free number at<br />

• Fatigue<br />

Remember, staying at a healthy<br />

1-800-686-2609.<br />

• Blurred vision<br />

How is it treated?<br />

The key to treating prediabetes<br />

and preventing type 2 diabetes<br />

weight, eating healthy foods, and<br />

getting regular exercise can help<br />

prevent prediabetes.<br />

Simply complete, sign and return<br />

the attached enrollment form in<br />

the self-addressed, postage-paid<br />

envelope.<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

Taking calcium<br />

supplements<br />

for weight loss?<br />

According to a new study published in the<br />

Annals of Internal Medicine, taking calcium<br />

supplements may not prevent weight gain. The<br />

two-year study was meant to test claims that<br />

taking calcium supplements might prevent<br />

weight gain in overweight or obese individuals.<br />

The study included 340 overweight and<br />

obese individuals in their mid-30s. Participants<br />

were either given 1500 mg per day of calcium<br />

carbonate or a placebo to take with meals. Researchers<br />

found that there were no statistically<br />

or clinically significant differences in change<br />

in body weight or body fat mass between the<br />

two groups.<br />

While researchers conclude that taking calcium<br />

supplements is not beneficial for weightloss<br />

purposes, the researchers do note that<br />

taking them may help prevent fractures.<br />

Source: Annals of Internal Medicine<br />

What not to feed<br />

Junior<br />

Baby’s first year is full of new discoveries, including new<br />

foods. Several food items, however, should be left off the<br />

menu until a later time.<br />

According to the American Academy of Pediatrics, babies<br />

are fine with breast milk or formula for their first four months,<br />

and then a bit of cereal can be added to the diet. Around six<br />

months, vegetable baby food can be introduced<br />

slowly, giving each new experience a few days<br />

to watch for allergic reactions.<br />

Within a few months of starting solid foods,<br />

your baby’s daily diet should include a variety of<br />

foods each day that may include the following:<br />

• Breast milk and/or formula<br />

• Meats<br />

• Cereal<br />

• Vegetables<br />

• Fruits<br />

• Fish<br />

There are some foods your baby should not<br />

eat within the first year. The following foods are<br />

considered no-nos by pediatricians:<br />

Grapes – while these seem like a perfect size for babies, they<br />

can be a choking hazard. Also avoid apple chunks or any hard<br />

vegetables like carrots.<br />

Honey – this natural sweetener can contain botulism spores,<br />

which doesn’t pose a threat to adults but can poison babies.<br />

Nuts and peanut butter – these can cause allergic reactions<br />

and the nuts can cause babies to choke.<br />

Hot dogs and sausages – these are high in salt and fat and<br />

can be a choking hazard.<br />

Food and drinks with artificial sweeteners<br />

Teas and coffees<br />

Food with added spices, seasoning and salt<br />

Shellfish – could cause allergic reactions.<br />

Potato or corn chips – these are very salty and can be a<br />

choking hazard.<br />

15<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

16<br />

Senior Moments<br />

David A. Lipschitz, M.D., Ph.D.<br />

with Dr. David<br />

formula at the far lower right).<br />

A BMI above 30 is considered obese, between 25<br />

and 30 is defined as overweight and less than 18.5 is<br />

considered too thin. Studies show that those who are<br />

overweight, but not obese, live the longest. However,<br />

they don’t live the healthiest with advancing age, and<br />

they are far more prone to cancer, diabetes, hypertension,<br />

heart disease and osteoarthritis.<br />

Remember, what we eat determines how long we<br />

live and the diseases we may endure late in life. Even<br />

at the ideal weight or below, you might have dietary<br />

habits that predispose you to hypertension, heart disease,<br />

cancer or even Alzheimer’s disease. No matter<br />

what you weigh, you must develop a healthy relationship<br />

with food. Start with these basic steps:<br />

Don’t diet; eat healthy!<br />

<strong>You</strong>r choices can lead to a longer<br />

and better life<br />

There’s no denying it. The statistics prove it. With<br />

each passing decade, Americans are gaining more and<br />

more weight. We define being overweight or obese by<br />

the body mass index (BMI) — calculated by your weight<br />

over your height squared. <strong>You</strong> can find your own BMI<br />

by visiting the National Heart Lung and Blood Institute<br />

at nhlbisupport.com/bmi and entering your height and<br />

weight, or you can calculate it yourself (see calculation<br />

1. Change how you eat<br />

Recognize your motives for eating. Are you even<br />

hungry? How do you hope to feel after your meal? Developing<br />

a healthy relationship with food often means<br />

changing lifelong habits. Second, slow down. A key<br />

element of developing a healthy relationship with food<br />

is actually noticing that you eat! Stop rushing through<br />

meals. Stop eating “on the run.” Enjoy every bite of<br />

food that passes your lips. Pay attention to it! Chew<br />

slowly, and notice how it tastes and feels.<br />

Regulate portion size. In the past 20 years, portion<br />

sizes for the average American meal have grown exponentially.<br />

Clearly, portion size is important. It’s not about<br />

depriving yourself of food; it is about giving your body<br />

the amount of food it needs to feel satisfied.<br />

2. Educate yourself about food<br />

After you change how you eat, you can begin the<br />

process of changing what you eat. Remember — diets<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

Editor’s Note: David A. Lipschitz, M.D, Ph.D., is nationally<br />

recognized as a leader in the field of geriatrics.<br />

Arkansas <strong>Blue</strong> Cross and <strong>Blue</strong> Shield is honored to have<br />

him as a contributor to <strong>Blue</strong> & <strong>You</strong> magazine.<br />

fail and the best diet by far is the “don’t diet, diet.” This<br />

is easy to follow:<br />

• Eat the right fats. A fat-free diet is unhealthy<br />

and may promote weight gain. The right fats<br />

are monounsaturated olive or canola oils and<br />

omega-3 fatty acids obtained in fatty fish, a<br />

handful of nuts or avocados. In moderation,<br />

these foods are good for you.<br />

• Eat the right protein. The right proteins are<br />

lean meat, fatty fish and legumes.<br />

• Eat as many fruits and vegetables as you<br />

want. Whole fruits are better than juices, and<br />

eat sugar-rich fruits (oranges, grapes) in moderation.<br />

Eat as much healthy salad or as many<br />

vegetables (for example: broccoli, zucchini or<br />

squash) as you want.<br />

• Watch the carbohydrates. Too much sugar and<br />

starch leads to weight gain, diabetes and other<br />

illnesses. Avoid empty calories such as sodas<br />

or candy. With each meal, eat no more than two<br />

servings of starch (bread, pasta, beans, rice or<br />

potatoes). Portion sizes should be no more than<br />

two thirds the size of your fist.<br />

• Don’t overuse supplements. The best way to<br />

get nutrients is from what you eat. Too much<br />

vitamins C, D and E, for example, can cause<br />

more harm than good. <strong>You</strong> can get adequate<br />

calcium and vitamin D either from dairy products<br />

or from a supplement. Those above age 70<br />

should take a multivitamin without iron and a<br />

1000 microgram B12 tablet.<br />

3. Maintain the same weight.<br />

It is better to be overweight (pleasantly plump) than<br />

lose weight on a diet and gain it back with a vengeance.<br />

Find your stable weight and stick with it. Learn to be<br />

happy with what you weigh and the way you look. In<br />

the long term, this will improve self-esteem, confidence<br />

and promote health.<br />

4. Exercise.<br />

Find something you enjoying doing (walking, running,<br />

aerobics, swimming) to keep you feeling younger and<br />

healthier.<br />

Calculate <strong>You</strong>r<br />

Own<br />

BMI<br />

1. Convert your height into inches. (For<br />

example, if you were 5 feet, 4 inches<br />

tall your height would be 64 inches.<br />

2. Square your height (64 X 64)<br />

3. Divide your weight by the squared<br />

height (for example, 140 divided by<br />

4096 = .0342)<br />

4. Multiply by 703 (703 x .0342)<br />

5. BMI = 24 in this example.<br />

… or go to nhlbisupport.com/bmi<br />

and enter your height and weight.<br />

17<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

Where does your health-care dollar go?<br />

Take a look. Nearly 75 percent of the private insurance health-care dollar nationwide goes toward hospitals, physician<br />

services and prescription drugs. While about 14 percent goes to administrative costs nationally, those costs<br />

at Arkansas <strong>Blue</strong> Cross and <strong>Blue</strong> Shield are slightly below the national average.<br />

18<br />

Great options, continued from Page 5<br />

Attention Medi-Pak Advantage and<br />

Medi-Pak Rx plan members<br />

If you have a Medicare Advantage or Medicare Part D<br />

plan, during October, you will receive an Annual Notice<br />

of Change (ANOC), which will<br />

explain any changes to your<br />

current plan that will become<br />

effective in January. If you are<br />

satisfied with your current<br />

plan, you are not required<br />

to change anything. Every<br />

year, the Centers for Medicare<br />

and Medicaid Services (CMS)<br />

requires companies to inform<br />

members of these changes prior<br />

to AEP, so that those who would<br />

like to shop their coverage have<br />

the opportunity to do so. The Annual Notice of Change<br />

includes a dedicated toll-free telephone number to call<br />

on or after November 15 to learn about plan options.<br />

If you are interested in learning more about<br />

Medicare plans<br />

Call your local Medi-Pak<br />

Choice certified agent or 1-800-<br />

392-2583 to learn more, or visit<br />

our Web site, arkansasbluecross.<br />

com. We love to hear from you!<br />

Also, if you have a friend or family<br />

member who doesn’t have<br />

our Part D prescription drug plan,<br />

we hope you’ll recommend that<br />

they enroll in Medi-Pak Rx (PDP)<br />

during the AEP.<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

A sweet relationship:<br />

Yarnell’s Ice Cream Co. and<br />

Arkansas <strong>Blue</strong> Cross<br />

The taste of cold Yarnell’s ice cream<br />

on a hot summer’s day is an Arkansas<br />

family tradition that dates back to 1932,<br />

and for 26 of those years, Arkansas <strong>Blue</strong><br />

Cross and <strong>Blue</strong> Shield has been a part of<br />

keeping that tradition healthy.<br />

The Searcy-based ice cream company’s<br />

240 employees keep the mid-South supplied<br />

with dairy-based treats and work<br />

hand-in-hand with other manufacturers<br />

across the nation. The factory has been<br />

modernized throughout the years to facilitate<br />

production of premium ice creams,<br />

sherbets, frozen yogurts, low-fat and<br />

low-sugar treats as well as a variety of ice<br />

cream sandwiches, ice cream bars and<br />

other novelty items.<br />

“We compete in the marketplace with<br />

national brands,” said Floyd Washburn,<br />

vice president of Human Resources and<br />

Quality Assurance for Yarnell’s Ice Cream<br />

Co. Likewise, Yarnell’s maintains high<br />

standards when it comes to the health of<br />

its employees.<br />

Washburn said Yarnell’s was one of the first companies<br />

in the state to hold a company-wide health fair for<br />

its employees, and offer incentives to those who attend.<br />

Additional incentives are given to employees who<br />

don’t smoke.<br />

After reviewing different health insurance companies,<br />

Washburn said Arkansas <strong>Blue</strong> Cross consistently has<br />

risen to the top like cream. “The service level is exceptional,”<br />

he said, adding that the human resources staff<br />

knows they can rely on the Arkansas <strong>Blue</strong> Cross Central<br />

Regional Office to handle any issues that may come up.<br />

“Yarnell’s and Arkansas <strong>Blue</strong> Cross have a true partnership,”<br />

Washburn said. So, whether your passion is<br />

Homemade Vanilla or Woo Pig Chewy, the next time<br />

you dip into a creamy scoop of Yarnell’s, you’ll know<br />

that the ice cream company you love trusts the health<br />

insurance company that is good for you!<br />

Albert Yarnell, chairman<br />

emeritus of Yarnell’s,<br />

and his granddaughter,<br />

Christina, chief operating<br />

officer of the family<br />

business, taste the various<br />

brands of ice cream as a<br />

final check to ensure the<br />

quality of their product.<br />

19<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

Are you an unintentional drug dealer?<br />

20<br />

<strong>You</strong> wouldn’t knowingly give your<br />

teenagers alcohol, cigarettes or<br />

illegal drugs, but if you are keeping<br />

prescription medications in easy<br />

reach, you may be contributing to<br />

a problem that is reaching alarming<br />

proportions across the United<br />

States.<br />

During the past decade, there<br />

has been an increase in prescription<br />

drug misuse by adolescents.<br />

The “Monitoring the Future Survey,”<br />

an annual survey of about 50,000<br />

high school students assessing their<br />

beliefs and extent of drug misuse,<br />

has reported trends on substance<br />

misuse since 1975. The most recent<br />

survey reports that:<br />

• Roughly 14 percent of eighth<br />

graders, 27 percent of 10 th graders,<br />

and 37 percent of 12 th graders<br />

reported illicit drug misuse<br />

within the previous year.<br />

• Roughly 3 percent, 7 percent,<br />

and 10 percent of eighth, 10 th ,<br />

and 12 th graders, respectively,<br />

reported using Vicodin (an opioid<br />

combination of hydrocodone and<br />

acetaminophen) for a non-medical<br />

use within the previous year.<br />

• Roughly 15 percent of 12 th graders<br />

reported using a prescription<br />

drug (including amphetamines,<br />

sedatives/barbiturates, tranquilizers,<br />

and opiates) for a non-medical<br />

use within the previous year.<br />

Let me interpret that last bullet.<br />

For every 20 friends your 12 th grader<br />

has, three of those friends (or possibly<br />

your child) may have misused<br />

a prescription drug within the last<br />

year. That is a sobering statistic.<br />

So, how difficult is it for those<br />

three friends to find their next supply<br />

of prescription drugs? A recent<br />

article published in the August edition<br />

of the Journal of the American<br />

Academy of Child and Adolescent<br />

Psychiatry revealed that the most<br />

common source of free misused<br />

prescription drugs is friends and<br />

family. The second most common<br />

source of prescription drugs, except<br />

painkillers, involved purchasing<br />

the prescription medications from<br />

friends and family.<br />

Adolescents know where to look<br />

for your medications, and with a little<br />

online research, they might even<br />

know which of your medications<br />

would give them the best high.<br />

Here are a few tips to make your<br />

medications more secure:<br />

1. Know your medications. Are<br />

you taking any high-risk medications<br />

such as painkillers, anti-anxiety<br />

pills, sleeping pills, attentiondeficit<br />

pills, weight-loss pills or<br />

steroids? If so, be careful where<br />

you leave them.<br />

2. Know where your medications<br />

are. Are your medications in a<br />

medicine cabinet, on a bathroom<br />

counter, in a bedside drawer, in<br />

a purse, in the refrigerator, in a<br />

kitchen cabinet or on a kitchen<br />

counter? Are your high-risk medications<br />

locked up?<br />

3. Know how much medication<br />

you have. Are you running out of<br />

pills? Are you getting early refills?<br />

Have you lost a bottle of pills? Is<br />

this a recurring event? Recurrent<br />

events could signal a problem.<br />

From the<br />

Pharmacist<br />

by Brandon Griffin, Pharm D.,<br />

Arkansas <strong>Blue</strong> Cross and <strong>Blue</strong> Shield<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

4. Make sure that any family<br />

member or friend your adolescent<br />

sees on a regular basis<br />

knows this information. Let<br />

them know that you will be keeping<br />

a close eye on your household<br />

medications and that you<br />

would appreciate it if they would<br />

do the same.<br />

5. Monitor your adolescent’s<br />

Internet use. There are many<br />

Web sites that provide information<br />

on what drugs to misuse,<br />

how to misuse them and how to<br />

find a source for them.<br />

6. Visit the Web site: theantidrug.<br />

com. This excellent Web site<br />

for parents and other family<br />

members has numerous articles<br />

concerning misuse from psychological,<br />

medical and prevention<br />

perspectives. It also has testimonials<br />

from parents and family<br />

members, along with information<br />

regarding adolescent perspectives<br />

on drug misuse.<br />

While these steps may not prevent<br />

every case from happening,<br />

by adhering to them and educating<br />

yourself, the likelihood that your<br />

adolescent will grow up drug free<br />

will increase. We do our best to<br />

protect our infants and toddlers<br />

from the chemicals under our sinks,<br />

so let’s do our best to protect our<br />

adolescents from prescription<br />

drug misuse.<br />

Peterson, continued from Page 9<br />

ney with pancreatic cancer began, Dan’s pancreas<br />

shows no signs of cancer, but his body has<br />

suffered. Due to toxins building up in his body,<br />

Dan went into a coma for a week before doctors<br />

were able to devise a way to flush his system effectively. Today he still<br />

suffers from some equilibrium problems and can get a bit fuzzyheaded if<br />

his toxins get too high, but he is able to live a relatively normal life.<br />

The Petersons say they don’t know if it was Dr. Makhoul’s innovative<br />

approach to medicine, the excellent care from a <strong>Blue</strong> Distinction Center<br />

of Excellence, Dan’s positive attitude or divine intervention that helped<br />

him through one of the most aggressive cancers known, but they cherish<br />

each moment together and hope their story will inspire others to never<br />

give up and keep searching for treatments — even if it is the smallest of<br />

glimmers, there is still hope.<br />

For more information about pancreatic cancer and the latest research<br />

and treatments, the Petersons recommend the Pancreatic Cancer Action<br />

Network, pancan.org.<br />

Curves offers<br />

discounts to members<br />

There are 14 Curves locations in Arkansas offering discounts to our<br />

members — just by showing your insurance ID card.<br />

Participating Curves are: Benton, Bryant, Conway, Fayetteville, Jacksonville,<br />

Little Rock (four locations — Capitol Avenue, Shackleford, Kavanaugh<br />

and Chenonceau Boulevard), Maumelle, Morrilton, North Little Rock,<br />

Sherwood and Springdale.<br />

The discount is a $59 service fee (regularly $199) when purchasing a<br />

12-month membership with a bank draft.<br />

The Curves program is dedicated to women’s fitness and allows participants<br />

to get an aerobic and strength training workout in just 30 minutes.<br />

Curves also offers a weight management program.<br />

Go to <strong>Blue</strong> & <strong>You</strong> Online on our Arkansas<br />

<strong>Blue</strong> Cross and Health Advantage Web sites<br />

for more on Curves and wellness discounts.<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong><br />


What is a formulary?<br />

22<br />

<strong>You</strong> may have heard someone from your health plan<br />

refer to a “formulary.” It sounds more complicated than<br />

it really is ... a formulary is simply insurance jargon for<br />

“prescription drug list.”<br />

A prescription drug list is the list of drugs covered by<br />

your health plan. It usually includes both generic and<br />

brand-name prescription drugs.<br />

A generic drug is a drug that has been approved by<br />

the U.S. Food and Drug Administration (FDA) and is<br />

equal to its brand-name counterpart. For FDA approval,<br />

the generic drug must contain the same amounts of<br />

the same active ingredients as the brand-name drug.<br />

It usually is less expensive and is sold under a generic<br />

name for that drug (usually its chemical name).<br />

There are generic versions of many brand-name<br />

drugs that can save you money. (For example, the antidepressant<br />

Zoloft has a generic sold under the name<br />

sertraline, and the cholesterol-lowering drug Zocor<br />

has a generic called simvastatin.) Choosing lower-cost<br />

generic drugs is like using store-brand products at your<br />

grocery store — you can get the same product at a lower<br />

price. In some cases, the generic version is made by<br />

the same company that makes the brand-name version.<br />

The generic version just comes in a different bottle.<br />

What is the difference in cost between a generic and<br />

a brand-name? Using the previous examples, you can<br />

see the cost comparison in the chart below.<br />

Usually, there are several prescription drug list copayment<br />

options (we call these options “Tiers” in the<br />

health insurance world). First Tier drugs have the lowest<br />

copayments and Third Tier drugs have the highest<br />

copayment.<br />

• Lowest copayment/First Tier — The majority of<br />

the prescription drugs on the first level are the less<br />

expensive generic drugs.<br />

• Mid-range copayment/Second Tier — This is your<br />

mid-range copayment choice and includes covered<br />

brand-name drugs that have been selected because<br />

of their overall value. Consider this copayment option<br />

if you and your doctor decide that no First Tier<br />

medication is right for you.<br />

• Highest copayment/Third Tier — Usually the most<br />

expensive prescription drugs and the highest copayment.<br />

It includes many brand-name medications.<br />

Be sure to ask your doctor and/or pharmacist for<br />

generic prescription drugs. It will save you out-of-pocket<br />

expenses immediately and could keep your health plan<br />

costs down in the long run.<br />

Brand name Cost per pill Generic Cost per pill Cost difference<br />

Zoloft $3.43 sertraline $0.92 $2.51 per pill<br />

Zocor $4.98 simvastatin $0.86 $4.12 per pill<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

The<br />

Doctor’s<br />

Corner<br />

Want to lose weight? Count<br />

calories!<br />

Here’s the bottom line — the way<br />

you lose weight is to burn more<br />

calories than you consume. This is<br />

what determines weight loss, not the<br />

amount of carbs or fat in your diet.<br />

So, eat healthy foods and exercise.<br />

Although there are a million books<br />

out there advocating one diet approach<br />

or another, the New England<br />

Journal of Medicine recently published<br />

research that shows that for<br />

weight loss, the type of diet doesn’t<br />

really matter. People lost similar<br />

amounts of weight if they consumed<br />

similar amounts of calories regardless<br />

of the percentages of protein, fat<br />

and carbohydrates in their diet. Now,<br />

that doesn’t mean eat 1,500 calories<br />

worth of Twinkies each day and you’ll<br />

be healthy — it means eat a balanced<br />

diet, watch your calories and exercise<br />

regularly.<br />

Sleep is good for you<br />

Mom always told us that we<br />

should get plenty of rest to keep<br />

from getting sick. Turns out she was<br />

right. Researchers recently have<br />

discovered that people who get less<br />

than seven hours of sleep each night<br />

are more likely to develop a cold<br />

after exposure to a cold virus when<br />

compared to people who get more<br />

than seven hours of sleep. Additionally,<br />

research found that less than<br />

seven hours of sleep is associated<br />

with heart disease, obesity and premature<br />

death. These studies show<br />

that seven to eight hours of sleep per<br />

night is ideal for adults.<br />

Second-hand smoke: risky<br />

for seniors<br />

Older non-smokers exposed to<br />

tobacco smoke in the home are as<br />

much as 44 percent more likely to<br />

suffer from dementia (a decline in<br />

memory, reasoning and thinking),<br />

according to a recent study. It’s long<br />

been known that people who smoke<br />

are at an increased risk for dementia.<br />

by Ray Bredfeldt, M.D.,<br />

Regional Medical Director<br />

Northwest Region, Fayetteville<br />

With cancer — it matters<br />

what we eat<br />

Research clearly shows a link<br />

between obesity and an increased<br />

risk for developing cancer. Now, a<br />

new study suggests that what we<br />

eat may determine how fast a cancer<br />

spreads to other parts of the body.<br />

The study found that a diet high in fat<br />

might cause cancer cells to spread<br />

faster throughout the body than a<br />

diet low in fat.<br />

Stomach drug may interfere<br />

with heart drug<br />

Plavix, a prescription medication<br />

frequently prescribed for patients<br />

with heart disease or for prevention<br />

of stroke, may be less beneficial if<br />

a patient also is taking a medication<br />

for stomach ailments. The type of<br />

drug that may interfere with heart<br />

medication is called a proton pump<br />

inhibitor (PPI). Common PPIs are<br />

Achipex, Nexium, Prilosec, Protonix<br />

and Omeprazole. If you take one of<br />

these drugs plus Plavix, contact your<br />

doctor to see if there is an alternative<br />

medication you can take.<br />

23<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

24<br />

Three benefits added to<br />

group Dental<strong>Blue</strong> plans<br />

New standard dental benefits will be added to group<br />

Dental<strong>Blue</strong> dental insurance plans for new and renewing<br />

small and large groups effective Oct. 1, <strong>2009</strong>.<br />

Members with group dental plans through Arkansas<br />

<strong>Blue</strong> Cross and <strong>Blue</strong> Shield should have received a letter<br />

and Benefit Certificate in September with complete<br />

details about the changes, but the following is a general<br />

overview of the new benefits:<br />

Maximum rollover benefit – allows members to roll<br />

over a portion of their unused maximum to the next<br />

calendar year. A member is eligible for the rollover<br />

benefit if:<br />

• They have at least one paid dental claim in the current<br />

calendar year.<br />

• A member’s total paid claims for the year did not<br />

exceed the threshold amount.<br />

• The member is enrolled in the group dental plan on<br />

the last day of the calendar year.<br />

• The member has not reached the accumulated<br />

rollover maximum.<br />

Implants – Implants will be a major benefit in all group<br />

dental insurance plans. A dental implant is an artificial<br />

tooth root that a dentist places into the jaw to hold a replacement<br />

tooth or bridge. Dental implants are an ideal<br />

option for people in good general oral health who have<br />

lost a tooth, or teeth, due to periodontal disease, an<br />

injury or some other reason. Implants will be covered at<br />

50 percent, up to the maximum benefit.<br />

Family deductible (three times the individual deductible)<br />

– if a member has family coverage, once three<br />

family members have met the deductible, no further deductible<br />

will be required for the balance of the calendar<br />

year, regardless of whom in the family incurs a claim.<br />

Mental Health Parity: What it mean<br />

changes to their benefits upon the renewal of their employer’s<br />

group health plan as a result of the act. If you<br />

receive a new ID card with a mental health assistance<br />

telephone number, your plan will include changes under<br />

Mental Health Parity.<br />

Members with individual health plans for those under<br />

age 65 and those over age 65 will not see changes to<br />

The new Mental Health Parity Act, which takes effect<br />

their existing plans. However, beginning October 15,<br />

later this year, requires that mental health benefits be<br />

Comprehensive <strong>Blue</strong> PPO (an individual plan for those<br />

equal to physical health benefits.<br />

under 65) will offer a mental health rider for an additional<br />

fee to new policies only. This rider must go through<br />

Members under some employer group health plans<br />

with Arkansas <strong>Blue</strong> Cross and <strong>Blue</strong> Shield and Health<br />

underwriting to be approved.<br />

Advantage, and a number of plans administered by<br />

The act:<br />

<strong>Blue</strong>Advantage Administrators of Arkansas will see<br />

• Removes limits on the number of days for inpatient<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

Women’s Health and Cancer Rights Act<br />

The Women’s Health and Cancer Rights Act of<br />

1998 introduced changes in insurance coverage for<br />

mastectomy.<br />

In accordance with the law, all group and individual<br />

health plans that provide medical and surgical benefits<br />

for mastectomy will cover reconstructive breast surgery,<br />

including:<br />

• Reconstructive surgery on the breast on which the<br />

mastectomy was performed.<br />

• Reconstructive surgery on the unaffected breast<br />

needed to “produce a symmetrical appearance.”<br />

• Prostheses and treatment of complications of any<br />

stage of a mastectomy, including lymphedema (postsurgical<br />

fluid buildup).<br />

The provisions of the Women’s Health and Cancer<br />

Rights Act of 1998 apply to all group health insurance<br />

coverage effective on the first day of the plan year<br />

(which in most cases is the anniversary date of the<br />

group contract) after Oct. 21, 1998. The law went into<br />

effect on all individual insurance policies issued, renewed<br />

or in effect on or after Oct. 21, 1998.<br />

s for you<br />

hospital stays and outpatient visits per calendar year.<br />

• Requires that copayments, coinsurance must be<br />

the same as for physical health benefits, and out-ofnetwork<br />

mental health benefits must be provided if<br />

provided for physical health.<br />

The following benefits will be required for members<br />

whose health plans were revised in response to the act:<br />

Inpatient:<br />

• Prior authorization of inpatient admissions for mental<br />

health and substance abuse. Please call the telephone<br />

number for mental health services on your<br />

ID card.<br />

• Concurrent stay review and discharge planning.<br />

These provisions apply to all policies issued by Arkansas<br />

<strong>Blue</strong> Cross and <strong>Blue</strong> Shield, Health Advantage and<br />

<strong>Blue</strong>Advantage Administrators of Arkansas and are subject<br />

to the applicable copayments, coinsurance, benefit<br />

limitations, exclusions and benefit maximums.<br />

If you have questions about your insurance coverage,<br />

contact your group benefits administrator or a customer<br />

service representative at your local Arkansas <strong>Blue</strong><br />

Cross office.<br />

Outpatient:<br />

• Prior authorization of outpatient counseling services.<br />

Please call the telephone number for mental health<br />

services on your ID card.<br />

• 24/7 access to mental health professionals who will<br />

assist in locating and referring you to professional<br />

resources.<br />

To find out if your health plan includes modifications<br />

for the Mental Health Parity Act, you can contact your<br />

human resources administrator, check our Web sites<br />

and review your benefits information on My <strong>Blue</strong>print,<br />

or call the customer service number on your health plan<br />

ID card. We love to hear from you!<br />

25<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

<strong>Blue</strong> & <strong>You</strong> Fitness Challengers<br />

win with better health<br />

26<br />

Groups from 41 states, including almost 12,000 participants,<br />

scored better health through the <strong>2009</strong> <strong>Blue</strong> &<br />

<strong>You</strong> Fitness Challenge.<br />

For six years, the <strong>Blue</strong> & <strong>You</strong> Fitness Challenge<br />

(formerly the Arkansas Fitness Challenge) has helped<br />

participants improve their<br />

fitness levels. The annual<br />

exercise contest, held March<br />

1 through May 31, encourages<br />

individuals toward the public<br />

health recommendation of 30<br />

minutes of physical activity<br />

each day, most days of the week. The contest promotes<br />

wellness in the community and at the worksite by organizing<br />

groups that compete against like-size groups.<br />

Arkansas <strong>Blue</strong> Cross and <strong>Blue</strong> Shield, the Arkansas<br />

Department of Health (ADH) and the Arkansas Department<br />

of Human Services (DHS) serve as Challenge<br />

hosts each year. This year, representatives from other<br />

companies, organizations and state agencies statewide<br />

— and outside of Arkansas — joined in the competition<br />

and were recognized at the awards ceremonies (a<br />

complete list of participants can be found at arkansasbluecross.com)<br />

to “Invest in Fitness.”<br />

“Exercise requires only a small investment of time<br />

and movement, and promises a great rate of return<br />

on your health,” said Richard Cooper, vice president of<br />

Human Resources for Arkansas <strong>Blue</strong> Cross and team<br />

champion for the Challenge. “A<br />

total of 167 groups representing<br />

large and small companies,<br />

banks, schools and universities,<br />

physician offices, churches, hospitals<br />

and state agencies made a<br />

commitment to spend some time exercising and reap<br />

the rewards of better fitness.<br />

“The 11,791 participants logged 262,681.5 hours of<br />

exercise during the Challenge, up from 221,465.5 hours<br />

of exercise in 2008,” Cooper said.<br />

“The Challenge continues<br />

to yield great results,” said<br />

John Selig, director of DHS.<br />

“Our online survey was completed<br />

by 2,628 contest participants.<br />

Almost 84 percent<br />

of respondents said they<br />

reached their personal goals through the Challenge.”<br />

Respondents also indicated they had lowered their<br />

blood pressure (73 respondents), cholesterol levels (41<br />

respondents), weight (327 respondents), and blood<br />

sugar (26 respondents). Ninety-six percent said they<br />

would participate in future programs like the <strong>Blue</strong> & <strong>You</strong><br />

Fitness Challenge.<br />

Charles McGrew, ADH deputy director and chief operating<br />

officer, said, “The costs in treating diseases that<br />

result from preventable diseases is skyrocketing. And<br />

yet, 30 minutes of moderate-intensity exercise five or<br />

more days a week can reduce so many of these risks.<br />

Programs like the <strong>Blue</strong> & <strong>You</strong> Fitness Challenge make<br />

positive steps toward turning the trend.”<br />

Now is the time to start planning for the 2010<br />

Challenge.<br />

Go to <strong>Blue</strong> & <strong>You</strong> Online on our Arkansas <strong>Blue</strong><br />

Cross and Health Advantage Web sites for a list of<br />

the <strong>2009</strong> <strong>Blue</strong> & <strong>You</strong> Fitness Challenge winners.<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

Hagemeier, continued from Page 13<br />

shouted from the sidelines,<br />

crossing the finish line and<br />

having my 10-year-old granddaughter<br />

run up to me and say,<br />

‘<strong>You</strong> did it, Grammy!’ made<br />

race day one to be remembered.”<br />

To enroll in SilverSneakers, Medi-Pak and Medi-Pak<br />

Advantage members can go to a participating fitness<br />

center near them and show their ID card. Fitness center<br />

staff will assist with enrollment and provide tours<br />

of the locations.<br />

Because new fitness centers are being added to<br />

the program regularly, members can go online to<br />

silversneakers.com to find all participating locations in<br />

Arkansas.<br />

SilverSneakers Speaker Events<br />

Experts on aging are coming to a SilverSneakers<br />

location near you in October for fun talks on a variety<br />

of topics.<br />

Topics for the speaker events include: Nutrition for a<br />

Healthy Heart, What is Normal Aging and Breast Cancer<br />

Education and Awareness.<br />

Date City<br />

October 1 Jacksonville<br />

October 6 Arkadelphia<br />

October 8 Little Rock<br />

October 9 Little Rock<br />

October 13 Rogers<br />

October 14 Bella Vista, Russellville<br />

October 15 El Dorado, Fayetteville, Morrilton<br />

October 19 Nashville<br />

October 21 Clarksville<br />

October 22 Conway, Searcy<br />

October 23 Lonoke<br />

October 30 Cabot, Magnolia<br />

Go to <strong>Blue</strong> & <strong>You</strong> Online on our Arkansas<br />

<strong>Blue</strong> Cross and Health Advantage Web sites<br />

for more on SilverSneakers speaker events.<br />

We love to hear from you!<br />

May we help? For customer service, please call:<br />

Little Rock<br />

Number (501)<br />

Toll-free<br />

Number<br />

Medi-Pak members 378-3062 1-800-338-2312<br />

Medi-Pak Advantage or Medi-Pak Rx 1-866-390-3369<br />

Arkansas <strong>Blue</strong> Cross members 378-2010 1-800-238-8379<br />

Pharmacy questions 1-800-863-5561<br />

Specialty Rx Pharmacy questions 1-866-295-2779<br />

Health Advantage members 378-2363 1-800-843-1329<br />

Pharmacy questions 1-800-863-5567<br />

<strong>Blue</strong>Advantage members 378-3600 1-888-872-2531<br />

Pharmacy questions 1-888-293-3748<br />

State and Public School members 378-2364 1-800-482-8416<br />

Federal Employee members 378-2531 1-800-482-6655<br />

Looking for health or dental insurance? We can help!<br />

For individuals, families<br />

and those age 65 or older 378-2937 1-800-392-2583<br />

For employer groups 378-3070 1-800-421-1112<br />

(Arkansas <strong>Blue</strong> Cross Group Services, which includes<br />

Health Advantage and <strong>Blue</strong>Advantage Administrators<br />

of Arkansas)<br />

Prefer to speak with someone close to home? Regional Office<br />

telephone numbers:<br />

Pine Bluff/Southeast Region 1-800-236-0369<br />

1800 West 73rd St.<br />

Jonesboro/Northeast Region 1-800-299-4124<br />

707 East Matthews Ave.<br />

Hot Springs/South Central Region 1-800-588-5733<br />

100 Greenwood Ave., Suite C<br />

Texarkana/Southwest Region 1-800-470-9621<br />

1710 Arkansas Boulevard<br />

Fayetteville/Northwest Region 1-800-817-7726<br />

516 East Milsap Rd., Suite 103<br />

Fort Smith/West Central Region 1-866-254-9117<br />

3501 Old Greenwood Rd., Suite 5<br />

Little Rock/Central Region 1-800-421-1112<br />

320 West Capitol Ave., Suite 900<br />

Web sites:<br />

arkansasbluecross.com<br />

healthadvantage-hmo.com<br />

blueadvantagearkansas.com<br />

blueandyoufoundationarkansas.org<br />

blueannewe-ark.com<br />

27<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

28<br />

At Arkansas <strong>Blue</strong> Cross<br />

and <strong>Blue</strong> Shield, we are<br />

always looking for new<br />

ways to be "Good for <strong>You</strong>."<br />

Here are some of our<br />

latest accomplishments.<br />

We have so much information that is good for you that<br />

we have to share some of it online! <strong>Blue</strong> & <strong>You</strong> Online<br />

contains longer versions of our featured stories, links<br />

for more information on hot topics, and fun photos<br />

we couldn’t squeeze into our print version. Go to our<br />

Arkansas <strong>Blue</strong> Cross and Health Advantage Web sites<br />

(arkansasbluecross.com and healthadvantage-hmo.<br />

com) to find the <strong>Blue</strong> & <strong>You</strong> Online link and enjoy even<br />

more information!<br />

Easy online access to information<br />

On the home page of any of our Web sites (see complete<br />

list on Page 27), you can register for an online<br />

account that allows you to order an ID card, check the<br />

status of a claim for you or your dependent, find out<br />

more information about your coverage and your benefits,<br />

manage your Personal Health Record, access<br />

health information and much more. It’s an easy way to<br />

get your personalized information. Go online and register<br />

today for My <strong>Blue</strong>print!<br />

Is your child in college out of state?<br />

Well, we’re going to give you one less thing to worry<br />

about — your college student’s health-care benefits<br />

travel with him or her. With <strong>Blue</strong>Card ® , he or she<br />

doesn’t have to worry about filing complicated claims<br />

forms or dealing with billing hassles. He or she simply<br />

needs to present their Arkansas <strong>Blue</strong> Cross and <strong>Blue</strong><br />

Shield ID card before receiving care from a participating<br />

provider. He or she can call 1-800-810-BLUE (2583)<br />

or visit arkansasbluecross.com (under<br />

“Need a Provider?” select the “<strong>Blue</strong>-<br />

Card ® Doctor and Hospital Finder”)<br />

to find a participating provider.<br />

In an emergency situation, he<br />

or she can go to the nearest<br />

hospital’s emergency<br />

room. He or she can use any<br />

<strong>Blue</strong>Card provider in the state<br />

where they are living just as<br />

they would if they were home<br />

with you.<br />

<strong>Blue</strong> & <strong>You</strong> <strong>Autumn</strong> <strong>2009</strong>

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