The rising costs of asthma and the need for medication adherence – National Consumers League

92_ayannaBy Ayanna Johnson, Health Policy Associate

This post originally appeared at Mom’sRising.org.

The burden of asthma on the health care system continues to grow in the 21st Century. Asthma effects more than 25 million Americans (8 percent of the population). Since 2001, the number of people diagnosed with asthma increased by 4.3 million, resulting in a 6 percent rise in overall healthcare costs. In 2007 alone, asthma was estimated to cost the United States $56 billion in health care costs and lost productivity.

Children have experienced increasing rates of asthma especially those living in areas with unclean air.  About 1 in 10 children have asthma, compared to 1 in 12 adults. The Centers for Disease Control reported that the largest rise in asthma, almost a 50 percent increase in new cases from 2001 to 2009, was among African American children.

Asthma, the chronic inflammation and constriction of the airways, can be treated and managed with appropriate medication. Almost half of all people with asthma in the United States have had an asthma attack; many of which could have been prevented with proper management. As, the incidence of asthma continues to grow, managing asthma is important to prevent further strain on the health care system.

Costs rise for asthmatics who do not take their medication as directed, leading to more missed days of school or work, hospitalizations and re-admissions and general decline in quality of life. A recent study found that 50 percent of children aren’t taking their medicine as prescribed, often because parents were afraid of medication side effects.  Approximately 11 percent of insured patients can’t afford their asthma medicine. Increasing the patient share of out-of-pocket costs for children’s asthma medications, led to more children needing emergency treatment for complications related to asthma (Karaca-Mandi et al 2012, JAMA).

Following a medication plan, or medication adherence, is important for asthmatics; it improves health outcomes and decreases overall costs. There are numerous reasons why people don’t take their medication as directed. It can be hard to understand that a condition like asthma is a chronic disease that needs to be managed daily.

Helping patients, parents, and caregivers understand asthma and talk with their health care providers about medication management can help to lower asthma health care costs and unnecessary emergencies. The National Heart, Lung and Blood Institute recommends developing an asthma action plan tailored to each individual to help control asthma, avoiding triggers for asthma, remaining physically active and consistently monitoring your asthma with your health care provider for changes.

The Script Your Future campaign, organized and developed by the National Consumers League, helps address the medication adherence problem for major chronic diseases, including asthma.  Patients need access to education to help take control of their asthma, especially for reasons that make sense to them. This campaign provides tools to manage medicines and sample questions to help start a conversation between patients and their   doctor, pharmacist or nurse about their medicine.  It also has information to help patients understand their condition. Many things—from allergies to poor air quality, stress, and anxiety—can trigger asthma. This  video explains more about what causes asthma and what patients can do to manage their health.  An important step to becoming adherent is to make the commitment to take your medicine. Script Your Future has a pledge tool—patients can pledge to take their medicines or even pledge to help their child take their medicine too.

Consumers beware: Learn how to avoid buying flood-damaged cars – National Consumers League

NCL works closely with advocates in the auto industry who know a lot about cars damaged in crashes, rebuilt wrecks, and flood cars. Hurricane Sandy brought new opportunities for fraudsters to pawn off cars damaged by flood waters to unknowing consumers.According to the National Insurance Crime Bureau, there have already been some 230,000 flood related auto claims reported by insurance companies as a result of Hurricane Sandy. In addition to these insurance reported claims, there have been many thousands more in claims from both self-insured fleets as well as private parties who did not have insurance coverage for their vehicles.

The National Salvage Vehicle Reporting Program (NSVRP) is recognized by the US Department of Justice as an independent third party standards body for the federal government’s comprehensive database on vehicle damage history. NSVRP has already identified more than 40,000 water/flood total loss vehicles that have been listed for sale by the salvage auctions. Thousands have already been sold at auction since the beginning of November. A number of these are being offered for sale under clean title paperwork – which is false and deceptive – and in some cases apparently in violation of state branding requirements. Many others have been moved to other states before being offered for sale. Once these vehicles have been sold at a first salvage auction, some are likely to be transferred by the first buyer to a different auction and then resold as clean title vehicles without any documentation or visible photographic indication that they were originally a flood total loss.

NSVRP is monitoring much of the salvage activity related to Hurricane Sandy. To avoid buying a flood car, we urge consumers to check the Vehicle Identification Number (VIN) of any car they are considering buying – it is found under the windshield on the driver’s side of the vehicle. Check that VIN by going to the database of the National Motor Vehicle Titling Information System, found at  https://www.vehiclehistory.gov. The cost is nominal, $2.00 per report – or possibly a little more depending on the information being sought.

NSVRP has found that flood damaged vehicles with clean titles are showing up at salvage auctions. As a result, NSVRP, which works closely with state regulators, is urging states to strongly consider reviewing their statutes and regulations and recommend that if possible that jurisdictions try to implement the following best practices:

  • Make sure their state has an available title brand for flood and water damaged vehicles.
  • Make sure the state supports branding carry forward provisions to reduce the opportunities for title washing between jurisdictions when vehicles are transferred between states.
  • Require mandatory non-repairable branding on vehicles that are flood vehicles and salt water damaged vehicles.
  • Require mandatory non-repairable branding on vehicles that have been damaged to 80% of ACV or some other similar threshold.
  • Check out the NSVRP Web site for more information at www.NSVRP.org.

The best advice is for a consumer not to buy any used vehicle until it has been thoroughly checked out by a competent automotive technician who has no relation to the seller. This is especially true today and for the foreseeable future given that many Hurricane Sandy vehicles we be resold on the open market for the next year or more – many with an undisclosed title history.

Also, buy from someone with a good reputation who will stand behind what they sell. Always test drive before you buy, and always require that you can have the vehicle inspected at a shop of your choosing before deciding to buy. As always, two good rules to live by for consumers: Better safe than sorry and caveat emptor!

NCL statement on the Location Privacy Protection Act of 2011 – National Consumers League

December 14, 2012

Contact: NCL Communications, Carol McKay, (412) 945-3242, carolm@nclnet.org

Washington, DC–The following statement is attributable to Sally Greenberg, Executive Director of the National Consumers League:

“The National Consumers League applauds today’s vote to report S.1223, the Location Privacy Protection Act of 2011, out of the Senate Judiciary Committee. This action represents an important first step towards better protecting consumers’ sensitive geolocation data. These data are collected and used in a largely hidden marketplace over which consumers have little information and almost no control. The profileration of location tracking technology in smartphones and other devices and applications has made it clear that more needs to be done to protect this data from misuse. We strongly believe that it is in the public interest for consumers to be made aware of how their geolocation data will be used by companies.

Today’s vote shows that protection consumers’ location data is an issue with bipartisan appeal. We applaud the leadership of Senator Franken and the bill’s co-sponsors as well as the dedicated coalition of advocates from the consumer rights, privacy, and domestic violence prevention communities for this victory. We look forward to continuing to support this bill as it moves forward in Congress.”

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About the National Consumers League

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit https://nclnet.org.

Possible Brazil Mad Cow episode troubling – National Consumers League

By Teresa Green, Linda Golodner Food Safety & Nutrition Fellow

In a scary piece of news, it has come to light this past week that Brazil may have experienced a case of bovine spongiform encephalopathy (BSE), a disease more commonly known as “mad cow” disease.  While the animal became ill and died in December of 2010, it was not until April of 2011 that the first testing was done, and not until last week that the final tests were complete.  This final set of testing, which was carried out at a laboratory in the UK, indicated the presence of the proteins that cause BSE.

There are several reasons why this announcement is troubling.  The first is the length of time that it took to confirm the presence of the disease.  Between the cow’s onset of symptoms in 2010 and the confirmation of its illness last week, almost two years passed.  During these two years, Brazil was not subject to the stringent safety checks that impact nations where there has been a confirmed case of BSE.

Additionally, this event has brought further attention to an important problem plaguing the meat safety system of this country, which is set up with several control points to ensure safe product.  First, USDA’s Food Safety and Inspection Service (FSIS) does a thorough review to ensure that foreign nations have food safety systems that are “equivalent” to ours before those countries are ever allowed to send meat here.  Secondly, FSIS does routine audits of those foreign systems to ensure equivalency is being maintained.  Finally, FSIS does pathogen testing of meat entering the US to ensure that it is safe.  This system is designed to guarantee a safe supply of foreign meat for US consumers.

Unfortunately, as has been reported recently, the number of foreign inspections being carried out by FSIS has decreased dramatically over the last several years, from an average of 26.4 per year from 2001 to 2008 to an average of 9.8 between 2009 and 2012.

In a time of fiscal austerity and the race to save money, it can be tempting for federal agencies to cut expensive, time intensive programs like inspection.  However, as the ongoing rash of foodborne illness outbreaks illustrates, we cannot be too vigilant when it comes to our food supply.

 

‘Why we’re investing in America’ – National Consumers League

By Sally Greenberg, NCL Executive Director

I read something unexpected in the Wall Street Journal (November 20, 2012) recently. William E. Conway, Jr., co-founder of the Carlyle Group, a private equity firm with assets of more than $150 billion in management, the third largest such firm in the world, wrote an Op-Ed piece entitled,“Why We’re Investing in America.” Conway noted that his firm has invested in nearly every region of the world over 25 years, but these days they are putting their investments in the United States because, in his words:

The US is characterized by inherent attributes that are often taken for granted: freedom, the rule of law, confidence in regulatory agencies. America has admired universities, the deepest and most-liquid capital markets, peerless medical systems and pockets of innovation such as Silicon Valley-all of which, though not perfect, are highly advanced and function smoothly. Nowhere on the globe can my firm invest in companies with as much confidence as we do in the US. And while we take comfort in the long-term safety of US assets, we also see opportunities for growth. This is because of a combination of very low interest rates, a strengthening housing market, and significant domestic energy discoveries.

I don’t know much about Conway except that he’s very rich and the Carlyle Group has been implicated in dealings with the Bush family, Middle East and even Osama Bin Laden, and recently bought a chain of nursing homes. They undoubtedly invest in some odious companies and industries. But I’m making a different point. I quote from Conway’s piece because I think it’s an astounding acknowledgement from a powerful US businessman that the United States, for all of our strict regulations and our corporate taxation that business loves to complain about – is a great place to invest precisely because we don’t suffer from widespread corruption, we have a highly educated and productive workforce, and orderly markets that are strictly regulated (not strictly enough, as we learned from the disastrous sub prime debacle of a few years ago and as former FDIC Chair Sheila Bair points out with frequency in her excellent book, Bull By the Horns) and business thrives under these conditions. Indeed, Conway talks of confidence in regulatory agencies in the US; they are predictable and they operate under the rules of administrative law. Conway ends the piece with this:

Many in America and beyond have been paralyzed by fear of the fiscal cliff, frustrated with Washington’s partisanship, mesmerized by the presidential election or stunned by the post-Great Recession recovery. Any way you look at it, though, now is a great time to invest – and there is no better place than America.

His Op-Ed tells us that a strong regulatory structure that attempts to keep capitalism in check is not only good for consumers, citizens and taxpayers, but also good for business.

NCL statement on Michigan right-to-work law – National Consumers League

December 11, 2012

Contact: NCL Communications, Carol McKay, (412) 945-3242, carolm@nclnet.org

Washington, DC–The National Consumers League has issued the following statement on the signing of a Michigan right-to-work law:

The passage of a “right to work for less money” statute in Michigan is a step backward for a state that has often led the nation in supporting workers in their fight for good wages and benefits. NCL agrees with President Obama, who stated that the attack on workers is an effort to “take away your rights to bargain for better wages or working conditions.”

Labor organizers are expecting thousands of people to arrive in Lansing, the state capitol, Tuesday for demonstrations in opposition to right-to-work legislation.

We support these workers and all working families in Michigan who are rightfully demonstrating against this odious anti-worker legislation that undermines the labor protections that working men and women have fought so long and so hard to win.

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Photo courtesy AFL-CIO.

About the National Consumers League

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit https://nclnet.org.

Need extra cash for the holidays? Beware of online payday loan offers – National Consumers League

With increased expenses around the holidays, consumers may find themselves running short of cash for other bills, and some may be considering payday loans to cover the short-term need. Thinking about a short-term loan? Better think twice.These days, a payday loan is only a mouse click away thanks to the proliferation of online payday loans. While even legitimate payday loans should only be considered as a last resort due to their extremely high interest rates, we are seeing a large number of reports about payday loan companies that are nothing but scams.

The scam works like this: A consumer in search of an online payday loan sees an ad online, on a newspaper classified page, in an email, or somewhere else. The ad guarantees a payday loan without a credit check. The consumer is directed to a Web site that looks very official and legitimate. They are instructed to enter in personal information, presumably to begin the loan application process. In some cases, the scammers have even posted fake video “testimonials” online to make the scam seem more legitimate.

Once the personal information is entered, the consumer is contacted by the alleged payday lender (in reality, a scammer) and asked to send money to cover fees “before the loan can be processed.” The scammers claim that this money is necessary to pay for things like “application fees,” “insurance,” “taxes,” or other important-sounding costs. If the victim sends the money, they are typically contacted again with another ask for additional money for other fees before the loan can be processed. This sequence may continue until the consumer catches on to the con or runs out of money.

Here are a few tips to help you spot and avoid these scams:

  1. If you are asked to pay money to get money, it’s probably a scam. While most legitimate payday lenders charge a (typically hefty) fee, this is generally assessed when the consumer repays the loan. Requests for up-front fees before a loan can be granted is a sure sign that something is fishy.
  2. If you’re asked to wire money or use put money on a prepaid card before your can get a loan, it’s a scam. Consumers report that online payday loan scammers usually ask to have the fictitious “fees” wired via Western Union or Moneygram. Increasingly, scammers are also telling victims to load funds on a prepaid card (such as a Green Dot MoneyPak) and then either send the card to the scammer or give out the access code on the back of the card. In either case, the scammer gets cash from the money order or deducts the cash from the prepaid card and the victim gets nothing.
  3. If the online payday lender says they don’t need a credit check and then asks for sensitive personal information, it’s probably a scam. Many online payday lenders advertise that they do not require a credit check or other documentation of the borrower’s credit-worthiness. However, they then require the victim to enter sensitive information such as a Social Security Number online to apply for the loan. In reality, this information is used to target the consumer with even more bogus offers, or worse.
  4. Just because an online payday lender looks legitimate doesn’t mean that it is. Online payday loans scam artists are experts at setting up legitimate-looking Web wesites, providing official-looking documentation and even creating dummy business addresses. Consumers who are unfamiliar with the company should not simply rely on these materials. Do your own due diligence by checking with state banking regulators, the Better Business Bureau, and the state corporation commission to make sure the business is legit.
  5. If you’ve been approached by or lost money to an online payday loan scam, report it! These scams defraud consumers from every walk of life every day. Scammers count on their victims being too embarrassed to report the crime. By speaking up, you can help others avoid being victims. Complaints can be reported to NCL’s Fraud Center and we will forward them to the appropriate law enforcement agency.

Affordable Care Act saves consumers millions on Rx coverage, improves adherence – National Consumers League

92_ayannaBy Ayanna Johnson, Health Policy Associate

Late last week, the Congressional Budget Office (CBO) released a report, projecting large savings in health care as a result of the passage of the Affordable Care Act (AC) in 2010. Medicare patients have saved $5 billion in prescription drug costs since 2010. The law improves coverage, by closing the gap—the “doughnut hole” in prescription coverage— after Medicare coverage runs out.  Medicare prescription coverage maxes out at $2,930; closing the gap will save the average Medicare recipient $648.  The Department of Health and Human Services notes that from 2012-2022, Medicare patients with high prescription drug costs will save upwards of $18,000.

Critics of this provision in the ACA have stated that increasing drug coverage will encourage patients to buy their more expensive drugs and decrease the use of generics. While this is a possible scenario, helping individuals afford their medication in order to stay healthy is the primary objective for this provision. In fact, studies have shown that once coverage ends, patients stop taking their medicine—especially their more expensive prescriptions. By increasing coverage individuals can have access to both brand name and generic prescriptions at lower, affordable costs. This seems like a win-win. This provision increases medication adherence, as more individuals are able to afford their drugs.

Increasing adherence is key to lowering overall medical costs. Adhering to medicines and a treatment plan prevents conditions, like heart disease, high blood pressure and diabetes from spiraling out of control. Lowering the price it takes to do this is important for our health as a nation.

The report found for the first time an “offset” of prescription drug coverage—increasing drug coverage lowers overall medical spending costs. The CBO “estimates that a 1 percent increase in the number of prescriptions filled by beneficiaries would cause Medicare’s spending on medical services to fall by roughly one-fifth of 1 percent.” That small savings would result in a net cost of $51 billion in providing the new provisions, instead of the $86 billion originally estimated.

This is good news for consumers and our health care system. Having the numbers from the CBO at the national level to support the widely accepted idea that spending a little more on medication will decrease overall healthcare spending, is the next step to promoting adherence initiatives.

Here at the National Consumers League we are working on a campaign to do just that. Our medication adherence campaign, *Script Your Future, aims to increase awareness about the problem of non-adherence and show the benefits of taking medicine as directed. With the help of great tools like wallet cards to list medications and discuss with a pharmacist and text reminders to take medication, the problem of adherence can be addressed.

 

*Links are no longer active as the original sources have removed the content, sometimes due to federal website changes or restructurings.

NCL statement on Hostess executive bonuses – National Consumers League

November 30, 2012

Contact: NCL Communications, Carol McKay, (412) 945-3242, carolm@nclnet.org

Washington, DC–Sally Greenberg, Executive Director of the National Consumers League, issued the following statement today regarding the announcement that Hostess management would be taking bonuses after laying off 18,000+ workers:

“The National Consumers League is stunned to learn that Hostess executives are awarding themselves bonuses totaling $1.8 million in the wake of management’s decision to close down the beloved and iconic Hostess brand of products and lay off 18,000+ workers.

This company has been notoriously mismanaged for years, yet management has scapegoated Hostess employees instead of taking responsibility for their own incompetence. Their behavior boggles the mind.

We at NCL are not alone in our outrage. We call upon the judge who authorized the bonuses to reconsider this disgraceful decision.”

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About the National Consumers League

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit https://nclnet.org.

Seven tips for giving tickets for the holidays – National Consumers League

November 29, 2012

Contact: Chris Grimm, (202)-250-3099, chris@fanfreedom.org
Carol McKay, (412) 945-3242, carolm@nclnet.org

Washington, DC – Are you thinking about giving someone on your holiday gift list a pair of tickets to a fabulous concert or an important game? This could be the gift of a lifetime – or it could be a major disappointment, according to new tips from the Fan Freedom Project (FFP) and National Consumers League (NCL).

“Tickets make great gifts this time of year, but consumers need to watch closely and make sure they know exactly what they are purchasing and from whom,” said FFP Consumer Advocate Elizabeth Owen. Too often consumers are confused and frustrated when they buy and share concert and sports tickets. This holiday guide will give them a chance to better understand the process, and make the best choices possible.”

John Breyault, Vice President of Public Policy, Telecommunications, and Fraud at NCL added, “Bottom line, we want consumers to enjoy the option of giving sought after tickets as a holiday gift this season.  But as with any purchase, we encourage consumers to know the rules in advance, so they won’t be disappointed, and neither will the recipient.”

To help consumers avoid purchasing fraudulent tickets or even genuine tickets that aren’t transferable, FFP and NCL advises consumers to:

1. Know what type of ticket you are buying: Just because you bought a ticket doesn’t mean you can easily give it as a present. Some events have restricted “paperless tickets, which require the buyer to show up at the venue and present the purchasing credit card and photo ID.  This means you still have to go to the event with them – or they will not be able to get in. This can be inconvenient at the very least, or even impossible if you plan to give tickets to someone who lives far away.

2. Be prepared to pay additional fees: Unlike airline fares, now required by law to include all taxes and additional fees in the advertised price of a ticket, concert and sporting events tickets are not required to include fees upfront, leaving many consumers shocked at the final price of a ticket.

3. Use Reliable sellers: Beware of fly-by-night ticket sellers. If you’re unsure about a company, check with the Better Business Bureau. If you’re buying from a ticket broker, make sure they are members of the National Association of Ticket Brokers, whose Code of Ethics requires members to adhere to basic consumer protections.

4. Pay Attention to URLs: Check any website’s URL to ensure that you don’t get duped by an imposter. Remember, even if a website looks like the official site, it may be bogus.

5. Check Your Ticket Vendor’s Guarantee Policy: For example, websites like Stub Hub, TicketsNow, Ace Tickets and All-Shows guarantee every ticket sold on their sites and will replace them or refund money to consumers if they receive wrong or invalid tickets, or if an event is cancelled. Craigslist and other online classifieds sites do not offer such guarantees; it’s “buyer beware” when shopping there.

6. Buy with a Credit Card: Regardless of where you buy tickets, be sure to use a credit card so you can dispute any unfair or unauthorized charges. Before entering your credit card information online, be sure the site has “https://” at the beginning of the website address. This means the site is encrypted and safer for use.

7. Know the Rules: Some venues limit the number of tickets you can buy.

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About The Fan Freedom Project

Launched in February 2011, the Fan Freedom Project is supported by more than 150,000 live-event fans and is backed by leading consumer and business organizations such as the American Conservative Union, National Consumers League, Consumer Action, the Institute for Liberty, and Net Choice. For more information, visit https://www.fanfreedom.org.

About the National Consumers League

The National Consumers League, founded in 1899, is America’s pioneer consumer organization. Our mission is to protect and promote social and economic justice for consumers and workers in the United States and abroad. For more information, visit https://nclnet.org.