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Feather River Bulletin
Quincy, California
April 7, 2010     Feather River Bulletin
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April 7, 2010

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m Bulletin, Progressive, Record, Reporter Wednesday, April 7, 2010 -SB applying for insurance, honesty is the best $ within the past 12 months,seeing Dr. Rockenmacher er have been entered into she had previously seen for What is the worst that can R During May and June, again in 2005, and received but for some type of mistake the back and hip problems,happen ff you reveal the Blue Shield's agents re- 17 treatments between Feb- or fraud. On this last point, some of DUI? Either you'll be denied viewed the application andruary and May 2005. Julie complained to the you may remember a piece Icoverage or be charged high- followed up with requests Her last visit was the day California Department of In- wrote earlier about post- er premiums. for missing information. Julie and David filled out surance but, not surprising- claim underwriting. That oc- However, if you don't men- o They also investigated andthe insurance application, ly, the department con- curs when an insurer re- tion it and cause a cata- LEGAL MUSINGS confirmed Julie had no prior Dr. Rockenmacher indicated firmed the rescission in ceives an application for in- strophic accident, be as- claims history with Blue Julie's complaint was "pain light of Julie's misrepresen- surance and does little or no sured somebody will dig STEVE BRENNEMAN in lower back/hip-- when tations on the insurance ap- investigation until a claim is around and discover the Blue Shield issued a walking." His records indi- plication, submitted. DUI. At that point, the insur- In May 2005, Julie and health insurance policy tocated Julie was taking three Refusing to take no for anOnly then, after receivingance policy will probably be David submitted an applica- Julie and David, July 1. prescription medications on answer, Julie filed suit a steady stream of premiums rescinded, leaving you high tion for health insurance to Soon thereafter, Julie a regular basis, against Blue Shield for from the insured, does theand dry. Blue Shield of Cah'fornia. On sought medical treatment Between 2004 and 2005, breach of contract and insur- insurer investigate and dis- It's better to be denied coy- the application, they an- for hip pain and was diag-Julie filled at least 10 pre- ance bad faith. However, the cover the policy should hey- erage and act accordingly, swered "no" to most ques- nosed with necrosis of thescriptions for four different trial court quickly granted er have been issued. Calffor- either by seeking out a high- tions asking about their pri- hip, requiring replacementmedications, in addition to Blue Shield's motion for nia law prohibits such prac- er-priced policy or being a or medical history, surgery. Smelling something the oral steroid prescribed summary judgment, con- tice. more cautious driver, than They answered "yes" to fishy, Blue Shield opened an by Dr. Nation. cluding the company was en- But there's only so much to think you're insured only one question about whetherinvestigation and obtainedBlue Shield rescinded titled to rescind the policy, an insurer can do. An insur- to find out otherwise later, any family member had re- Julie's complete medical and Julie's insurance policy The Court of Appeal af- er is not required to contact when it's too late to do any- ceived medical treatment for pharmacy records. They re-Nov. 16, 2005. firmed. On Julie's argument all doctors in a region orthing about it. symptoms relating to the vealed the following. If I may digress for a too- that she never intended toelsewhere to determine if an The stakes are simply too "Musculo-Skeletal system Between January 2002 and merit -- and I may because mislead Blue Shield, the applicant had ever been high. If a cut-rate company such as: neck, spine/back May 2005, Julie saw an or-I'm the author -- a rescis- court explained intent is im- treated, or to contact every offering homeowner's insur- sprain, pain, injury, sciati- thopedist, Dr. Nation, forsion differs from a cancella- material. The Insurance pharmacy to determine if an ance says it will not insure ca, herniated or bulging back pain. During her first tion or termination. If you Code authorizes an insurerapplicant had ever. filled a you ff your home is more disc(s)..." visit, Julie complained ofcancel or terminate a'con- to rescind a policy when the prescription, than five miles away from a Elsewhere on the applica- pain in her hip that radiated tract, it ceases to be enforce- insured has made any mate-Now, while all of this fire station, and you know tion, they explained Daviddown her leg and was givenable thereafter. But any pri- rial misrepresentations, might seem rather pedestri- your home is five-and-a-haft had suffered from a bulging a steroid injection. In her or performance under the whether intentional or unin- an, I bring it up for a very miles from the nearest fire disc between 1995 and 2000. next visit, Julie said she was contract remains valid, tentional, simple reason. If you takestation, get the more expen- According to the applica- no better and received a sec- Thus, in the case of a On Julie's argument that nothing else from any article sive policy. Is it really worth tion, Julie's last doctor visit ond steroid injection. After a health insurance contract, Blue Shield failed to investi- I have ever written, take the risk of losing every- had been three years earlier, third visit, Dr. Nation pre- any medical treatment re-gate her application before this: Never, ever lie or omit thing? when she saw a doctor for scribed an oral steroid and ceived before the termina- issuing the policy, the court important information on an That concludes this public the flu, and her current other medications, tion would be covered. How- pointed out there was little application for insurance,service announcement. health was good. Julie repre- Between 1996 and 2002, ever, a rescission acts as if the insurer could have done ff you're applying for carNext, we will discuss the pit- sented she had not taken or Julie received treatment the contract never existed. It to discover her medical his- insurance and are consider- falls of waiting too long to been ordered to take any from a chiropractor, Dr. is an appropriate remedy tory, given her failure toing not mentioning a DUI have your septic tank prescription medications Rockenmacher. She began where a contract would nev- mention any of the doctOrstwo years earlier, don't do it. cleaned out. Friends of Plumas County Animal Shelter a separate entity TALES FROM THE SHELTER PLUMAS COUNTY ANIMAL SHELTER 2833673 The Friends of Plumas County Animal Shelter, a nonprofit organization, is a separate entity from the county facility. Friends is a local, dedicated group of volunteers who saw a huge hole in the care and lives of the shelter animals and have been trying for a year to fill that hole -- and, boy, have we been successful! monthly expenses, Friends Since the inception of has a "free food" program up Friends last April, our list and running. People in need of accomplishments (with can come and get a bag of generous financial help food for their dog or cat from local citizens) is an alternative to not feeding quite large, the family pet or giving the The most noticeable pet up to the shelter because achievement is the fencing, it can't be fed anymore. play yards and outdoor Food is stored at the shel- kennels for the dogs, but ter and can be picked up any Friends has been hard at hours the shelter is open. work with other projects Friends is proud to an- too. nounce the shelter is open We just added picnic/play on Saturdays, from 10 a.m. - tables in the yards for dogs 2 p.m., for adoptions only, and Friends members have staffed by volunteer,s. done all the work in adver- Friends has been an advo- tising for, picking up and re- cate for more accessible furbishing of the tables with hours for the last year to animal safety in mind. boost adoptions and animal To provide a little relief to interaction with the public. locals struggling to pay their On Saturday, you can PLUMAS COUNTY REPUBLICAN CENTRAL COMMITTEE presents: 3ra( dNNl L CEIVTIE CLRa CELE8rc4TION! Hors d'oeuvres NO HOST BAR Friday, April 16, 2010 4:30 pm to 7:30 pm GRAEAGLE MEADOWS GOLF COURSE CLUBHOUSE Guest Speaker, Assemblyman Dan Logue Meet the Candidates: Damon Dunn, Secretary of State "Sam Aanested, LL Governor Special Guest Speaker, Tom Del Beccaro, Vice Chair, CRP COST: $20/person OR $101person for Century Club Members - Payable by Check at the Door PAID POLITICAL. ADVERTISEMENT HAVE YOU RECENTLY BEEN LAID OFF OR LOOKING "FO START A CARIlER IN THE "GREEN" CONSTRUCTION FIELD? Piumm Worlt Cen]ReCllOlt llla | Jlitllell limber ol scUlarlMii a dlable lel rite Oomlnd 6Jeen IId]dlnd Pte-lpprenllce Tralnlnd Predri. 11te Goal el rids prodlraJl Is le prepare wetters glib ljre-a||renllceWiJ I111nlnlt Ln dreen IJUHdlnd, enerl , mid waler elllen '1 Io prepare let work In tire |nlidlnd relrofll field. PnrllclHnls rill leara: Jladc onilrucllen IJrncl[Cel/leclmeledles lellli NcUmmul It dl .,en buli(ib , elerl U| V|ta eWclency TbrOndb (iessroont m bandl-en sJdll tralllnd Incindlnd: hmenmemm merm [nbedKaen to Green HUIb.I tner Funeameu $ ne ltts and terd mlclem 6radnnles Will ireceive I cerllllcanlloll ol cenlplellel In l]ne Clean Enerdy pre4pilrenllce Tradnlnd. OR! For alqdlcallen lltlormallen please udl er sl0p !11 plmuts Werli Cennellen 10dlyl 1953 East Main Street ~This training is funded by the American Quincy, CA 95971 Recovery and Reinvestment Act_ (530) 283-1606 meet potential new familyfor many of these dogs is as- cramped cages. members and you can walk tounding -- making them Many thanks to everyone or play with the dogs and much more attractive to who has contributed their cats. Come on by! adopters. We currently will time and money to Friends. Friends has, in the last 11 give $25 toward these surg- We make good use of all months, paid for the spay or cries to anyone who adoptsyour offers and be assured neuter of many shelter ani- an animal from the shelter, it is always for the health mals. The program has been Friends is working now on and welfare of the animals. one of the.most successful in construction a cat playroom Donations to the nonprofit getting animals adopted, es- with outdoor access. When Friends of PCAS, K-911 Res- pecially the larger males, finished, shelter cats andcue, P0 Box 182, Quincy Without rushing testos- kittens can run, climb, 95971, are gratefully accept- terone and with the ability breathe fresh air and lie in ed. All monies go to the to get outside and run and the sun -- all things theybetterment of the lives of play, the change in attitude cannot do now in their the shelter animals. The teachers, administrators, staff, and employees of Lassen Unified School District, Plumas Unified School District, Loyalton, Susanville and Westwood Schools, for their continued professional and dedicated efforts in the education of our children. Plumas Lodge No. 60, Quincy Sincerity Lodge No. 132, Greenville Lassen-Janesville Lodge #149, Susanville Sierra Valley Lodge #184, Sierraville Feather River Lodge No. 234, Beckwoqrth