My Published Articles for ViewsHound: January 2014

Monday, January 20, 2014

Save Money on Your Prescriptions via Mail Service

You may be able to save a substantial amount of money if you buy your prescription drugs via mail pharmacy option of your insurance. However, be aware that not all mail order organizations are trustworthy especially if they operate outside the US.

I have a Federal Employee Program( FEP) insurance coverage under the Blue Cross Blue Shield, California Anthem insurance PPO program. Under this plan is the Mail Service Pharmacy program that I was aware of but have not been using because of the convenience of ordering drugs right in my door step via our local pharmacies such as, CVS, Walgreen, Costco, Walmart and other local pharmacies.

Under the mail order option of buying your prescription, there is a waiting time from 10 to 14 working days, so if you do not plan ahead, this is not the right option for you, unless you want to save.

I have been satisfied with my copay of the several drugs that my wife and I use until the other day, when one drug that my wife is using for her PD cost me $119.00 copay for 30 tablets. I was so shock, since most of the copay I pay for my other drugs varied from $2 to $ 25 for a 30 day supply.

I started inquiring from friends and neighbors, if they know of pharmacies that offer cheaper prices compared to my local pharmacy-CVS. A relative suggested Costco or WalMart. In the meantime, I asked my wife's Neurologist to prescribe her a 90 days supply instead of 30 days because normally you can save at least 10%.

I called CostCo and Walmart for their prices for a 90 days supply of the drug that my wife uses for her PD. Both Costco and Walmart informed me that the price is 3,589.00 (Three Thousand Five Hundred Eighty nine dollars). I almost fainted, because even if my insurance pays for 60%, my copay would still be around $1,435. It means that for a 30 day supply my copay will still be $478. This is about 4 times more expensive than the $119 that I pay at CVS. So who says CostCo and Walmart Pharmacies are cheap?

For some luck, I did remember that about a decade ago, I have used the mail order pharmacy option of my FEP insurance and I remember I did save a lot buying by mail. I look at the back of my insurance card and lo and behold there is an 800 number that is listed for mail order pharmacy. To make the story short, I called the 800 number and after 5 minutes of talking to a computer, I was connected to live representative. I asked her what my copay for a 90 days supply for the above PD drug and she said $80.She even added that if I ordered this drug last year, my copay would have been only $70.

The representative informed me that there are two ways to get started ordering my prescription by mail. One way is to mail the hard copy of my wife's prescription to them and putting my ID number in the prescription. Along with the order is an invoice that I can pay as soon as I received my order.

The other way is to talk to my insurance representative to send me a form for ordering via mail or I could go directly to Mail order website and print out the form. I did both ways and besides ordering my wife her PD drugs, I ordered my other prescriptions that cost me more than $10 copay. Incidentally this mail order company is CVS Caremark. I do believe this is a trust worthy organization to buy prescription by mail. I will never buy my drug by mail from companies operating outside the US. .

Wednesday, January 1, 2014

Filipino Traditions and Superstitions on New Year

Twelve kinds of round fruits should be in your table by midnight to bring good luck and prosperity to the Household

When I was growing up in the Philippines, my parents will tell us kids that on New Years Eve and Day, we should do the following for good luck. Doing these things will help insure that the coming year will be a happy and prosperous one. Many of these traditions and superstition are of Chinese influence, I believe.

1. Turn on all lights so that the coming year will be bright.

2. Make as much noise as you can to scare away evil spirits.

3. Debts must be paid off. Fill you wallet with fresh peso bills.

4. Open all doors, windows, cabinets and drawers to let good fortune in.

5. Scatter coins around the house, on tabletops.... inside drawers...

6. Clean everything including your body by taking a long bath, the closets and the whole house.

7. Wear polka-dots, preferably black and white. Anything round signifies prosperity.

8. Jump twelve times at midnight to increase your height. (Observed by Filipino children.)

There are five things related to food that we must do for good luck as follows:

1. Prepare 12 round fruits, one for each month of the coming new year ( see photo above).

2. Have a very round grape in your mouth at the stroke of midnight.

3. Eat a native delicacy made from sticky rice to make good fortune stick in the new year.

4. Eat long noodles (pancit) for long life ( definitely of Chinese origin). We should eat pancit also during our birthday.

5. Don't eat any chicken or fish. They are associated with the scarcity of food.

Then on New Years Day we should not clean anything, otherwise we might sweep away the good fortune. In addition we should not spend money at all. Our being thrifty that day will help us manage our money very well for the whole year. Do you have any New Years Eve tradition in your family? Please share!

Happy 2014 to All of You, my dear readers and FaceBook Friends!

Guest Article from Susan Creamer Joy

In The Silence, by Susan Creamer Joy.

Today's guest article is from Susan Creamer Joy. Susan is one of my favorite authors in the ViewsHound community. Susan writes, draws, paints and cobbles together art from found objects making a variety of creations from jewelry to religious shrines. She frequently sports burns on her fingers from her soldering iron, paint on her palms and ink under her fingernails, but her hair is usually combed. When she is not losing time in the creative vortex of her studio, she is likely to be putting her knowledge of metaphysics and esoteric principles including Tarot, numerology, astrology and graphology to good use in consultations. Her children are grown, her husband still works and her four dogs believe she needs serious help. The title of her article is "A Matter Of Love And Death". Thank you Susan.

By the time they reached my bedroom door, I was already sitting up – my stomach ratcheted in the tense grip of an unnamed anxiety; my pillow, unburdened of my drowsy head.

To this day I cannot explain how I heard them coming up those stairs in their bare feet or how I knew that my father struggled to hold his composure as my mother unnaturally clutched at the folds of her dressing gown and followed him through the dark just a little too closely.

As the wooden groan of those old stairs tore into my bones that morning like a hacksaw, all I could see between the predawn shadows was the letter I’d written just hours earlier to my boyfriend, Chris, propped against the lamp on my desk across the room awaiting an envelope.

I had not slept well. It was late November and there had been so many changes since the middle of August when he left for the Air Force in Texas to begin basic training and I began my third new school in as many years.

The conspiracy between fate and the last surge of the Vietnam draft had broken apart the every-waking-minutes of our two-year union with unceremonious indifference. All that night my sleep had been infested by difficult dreams and by the illogical fear that truth and reality were merging into a darkness only a martyr could grasp; and at sixteen, martyrdom seemed reasonable only for the nuns among the poor in Bangladesh

I tried to remind myself that he would be home on leave for Thanksgiving in another few days. It was the only tether to calm I could find, but reviewing the facts offered little relief from my baseless fears.

Chris had been girding his pacifist sensibilities preparing to fight in an unpopular war that had not yet slaughtered its last innocent. I was hovering just over the line of inclusion at an exclusive girl’s school – missing him – and finding myself at odds with these young women and their attachment to propriety and with the prep-school veneer that blinded them to the fact that they were no better than anyone else.

Neither one of us was coping well with the worlds into which we were respectively summoned, and although we both knew that the best hope for any future together depended upon our individual successes apart, it was far from comforting most days.

But in spite of our discomfort, we each did our best; and, of course, there were the letters: Thin, plain-paper sheets with row after row after row of inky blue words penned with the intensity and awkward locutions of a love learned too soon. It had come down to just that little, but without them, I would have had nothing.

Chris was learning to fly. I was learning to drive, and both of us were aching to transport our souls to an earlier time through the hallowed intercourse of memories and dreams. Of course, as with all progress, there was the positive element: We were both clean and drug-free for the first time in years.

Now, without pretense, both healthy cognition and sincere motivation surfaced regularly in my psychology and prompted me to care about myself and to arbitrate against all temptation for a better standing in the world, in school and in my own eyes. I even did my homework.

No longer was I escaping today but, instead, living for my day of escape. Lying still in the dark of my room, I listened to the slow, padded footfall of my parents approaching and looked to the floor and to my history book half hidden beneath the nightstand where I’d tossed it the night before. Even in this early morning dark I could make out the swirls and stars in colored marker and the bubble-formed letters that spelled C H R I S in soft, juvenile curves on the torn book cover I’d fashioned out of a brown paper grocery bag.

I vaguely remembered throwing it there somewhat hastily. I had been doing my homework when a sense of urgency struck and I realized I had not written him as I promised I would and glancing at the clock, I noted it was nine-twenty-three. Why that mattered I had no way of knowing in that strange moment, but within hours, it would be one I would never forget; and although I was becoming drowsy and still needed to finish my work, I felt beyond reason that my letter to him could not wait.

So, I wrote. I would always write. I would always be there. He would always be there.“Suzi."It was my name spoken in the smooth and familiar voice of my mother, although weighted and slow, her head bowed to her chest almost as though she were speaking only to herself.

"Suzi.” She said it again, this time with sharp gravity, like a chisel against stone.

As if on cue, I leaned forward, flanked now by my parents who were sitting on either side of my bed.

I had been waiting for them. I don’t know how. I didn’t know why. The lights in my room remained off, but it seemed that the darkness clung more to them than to me, as though they were holding it there – away from me to give me enough light to see through the next moment. They were crying. My father was crying. My father. “Suzi. We have something very, very bad to tell you." Chris has been in a car accident." And he was killed."

If the world moved forward from that moment, I could not know it. f there were air around me worth breathing, I could not take it in. And if there were another sound beyond the leaden bellow of my own raw grief, I could not hear it.

"Who am I going to talk to? Who am I going to love?” I wailed. Who will love me? In that sodden moment violated by the intrusion of a predawn light that had no business rising, everything I ever believed about happiness, hoped for in life, trusted in or held as my own was annihilated.

After that – there was no after that. After that came months of hollow redundancies that would inform my way of being in the world for years to come. A serial commitment to waking up each morning, remembering he was gone and dedicating the remaining hours to forgetting. To that end I would try anything, drink anything, ingest anything, inject anything. It was a slow and arbitrary suicide by indifference.

Many years later, at 25 years-old and in the midst of a pharmaceutical free-fall leaning dangerously close to terminal, I discovered that I was expecting a child, and after a decade of forgetting, I remembered. I named him Griffin after the legendary winged lion, a symbol of the divine because what he inspired and the miracle that he was, were nothing less. I remembered and I loved again, and I went on to marry and to the gift of two beautiful daughters.

Today my son is struggling not to drown in the same well of drug abuse and apathy that almost swallowed me – his great, divine wings clipped by his own hand; and while it is up to him to restore his place in the sky, I will do my best to help provide an open runway.

In the meantime, I will continue soaring for both of us; bequeathed as I have been, with a determination to fly from a boy whose ragged fate precluded that dream.

Death took one young man from me once upon a dark time. If it has any intention of coming for this one, it will have to go through me. And trust me, it will be in for one hell of a fight.

Note: If you enjoy this article, please let me know.

Monday, January 20, 2014

Save Money on Your Prescriptions via Mail Service

Wednesday, January 1, 2014

Filipino Traditions and Superstitions on New Year

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