march 2015

VOICEThe Senior

Published Locally Since 1980 March 2015

Pioneers in North Colorado

Annie OakleyAn American Legend

2 • The Senior Voice • March 2015

Published Locally Since 1980Vol. 35, No. 4

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Annie Oakley By P.J. Hunt

Annie Oakley became an Amer-ican legend in her own lifetime and has remained a symbol of the American West for over a century. She was a beautiful, talented woman whose shooting skill has rarely been equaled. As a per-former with Buffalo Bill Cody’s Wild West show, she gained inter-national fame but remained a sen-sible, strong-willed woman who never let show business ruin her personal life. Biographer Glenda Riley wrote, “What Buffalo Bill did for wild west shows and rodeos, Annie Oakley did for women performers… (But) unlike Cody and others, Oakley was a success-ful, significant performer who remained happily married, sober and solvent.” Annie rose from extreme pover-ty to fame and success through hard work and strength of character. She was not a trickster or hus-tler. She disliked hype, deception and many of the things show peo-ple live by. She practiced her craft

and lived by strict moral values. She was, both literally and figura-tively, a straight shooter. Born in 1860 on a farm in Ohio, Annie knew nothing but poverty through childhood. She was farmed out to other families because her mother could not feed and clothe seven children. Her fa-ther was nearly frozen to death in a winter storm and died when An-nie was a child. To help feed the family, Annie taught herself to use her father’s old shotgun to shoot deer, squir-rels and other game. She was barely big enough to carry the heavy shotgun, but she became so

adept with it that she was able to shoot more game than she need-ed. A local store owner offered to buy the extra game and helped her sell it to other buyers. By the time she was 15, her shooting skills were well known in her hometown near Green-ville. So was her beauty. In spite of poverty, she was an attractive young woman. In 1875 when Annie was just 15, a traveling marksman named Frank Butler came to Greenville and challenged local shooters to a match. Annie was shy but managed to work up enough courage to enter Butler’s shooting match. Clay pi-geons had just been invented, and the challenge was to see who could knock the most out of the air with-out missing a shot. Frank Butler hit 24 out of 25. Annie hit 25. Butler realized he had met an unusually talented woman. He gracefully acknowledged her skill and began a courtship, which re-sulted in marriage the next year.

That marriage lasted nearly 50 years, until Frank’s death. From that meager beginning, Annie Oakley rose within a few years to become the most cel-ebrated woman of her time. Her husband, Frank, became her man-ager and helped her deal with show business people like Buffa-lo Bill throughout her long, nearly 40-year career. She died in 1926. Annie performed for kings and queens but never forgot the values that make life worthwhile. She practiced her craft for hours. She refused to use makeup on her face most of the time. But she didn’t need it.

“Perhaps her most significant contribution was the integral role she played in the world’s love

affair with the American West,” said biographer Glenda Riley. “She was ‘just folks’ who came from humble beginnings... Like a true Westerner, she shot and rode with great skill. And like a good western woman, she asserted her-self without sacrificing virtue.” You can get more informa-tion and a video from the Annie Oakley Foundation, P.O. Box 127, Greenville, Ohio 45331. See www.annieoakleyfoundation.org.________________COVER PICTURE: A young bear in a tree taken by Estes Park photographer John Long. ■

Annie became the most celebrated woman of her time.

Annie Oakley. Photo courtesy of The Annie Oakley

Foundation.


Estate PlanningEstate PlanningBy Ron Rutz, Attorney

Q: I have been to two “living trust” seminars and will go to a third. What should I do to be better prepared?A: Remember the presenter is trying to sell you an estate package. Contact your attorney and find out the following information: What is the cost of a standard Will (probably a couple hundred dollars); what is the approximate cost of unsupervised administra-tion to settle the estate (both with and without an attorney); and what is the cost of setting up a living trust. The presenter will quote a price for the proposed docu-ments. However, ask if the cost includes a “pour-over” Will. Also ask much will it cost to end the trust and convey the as-sets to the beneficiaries. Is there an additional charge for convey-ing assets into the trust?

Is a yearly maintenance fee to the attorney involved? Later, will you be charged to ask questions? Will the presenter work with you or will a Paralegal or someone else in the office? How many of his living trusts are probated anyway? As the presenter goes through the program, will problems with a living trust be pointed out along with benefits? Finally is there a “cooling off period” before you schedule an appointment or are you “urged” to sign up for an appointment right then and there?

______________Attorney Ron Rutz has written for The Senior Voice for over 20 years. He answers some reader’s questions in his columns. Email him at [email protected]. Call 223.8388 in Fort Collins.■

Drug DiscountsBy Bill Lambdin

The Obama administration wants the Medicare program to negotiate with drug companies so patients with Part D drug cover-age can get lower prices on cer-tain drugs. The proposal would affect only very expensive drugs such as Sovaldi, which can cure hepatitis C but costs $1,000 a pill. The proposal isn’t likely to pass in congress, say analysts, because drug company lobbyists will fight it, as they did when Part D was passed in 2006. At that time, in-surance companies said they would bargain with drug compa-nies and get discount prices. But that hasn’t happened, say researchers at the Kaiser Fam-ily Foundation. Medicaid and the VA, which do negotiate with drug companies, are able to get discounts three times greater than those arranged by insurance com-panies serving Medicare patients.

“Although Congress could get a better deal for taxpayers by let-ting Medicare bargain, proposals to do so are going nowhere on Capitol Hill, where drug makers wield considerable clout,” said USA Today newspaper. “That’s something to ask candidates about the next time they complain that government spends too much on health care.” Drug makers argue that reduc-ing their profits would reduce their ability to do research on new medicines. But numerous stud-ies have shown that at least half of new drug research is done at universities using government grants—taxpayer money. “Per capita drug spending in the U.S. is about 40% higher than in Canada, 75% greater than in Japan, and nearly triple the amount spent in Denmark,” said researchers at Health Care for America Now.■

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World War II Memory

By Peggy Ford Waldo In 1906, John M.B. Petrikin, President of Greeley’s First Na-tional Bank, built a home on “In-spiration Point,” the highest el-evation in Greeley. A steel observation tower was installed north of his home in 1926. Located on 20th St. be-tween 10th and 11th Avenues, a semi-circular drive allowed residents to park their cars and climb the tower for a breathtaking view of the Front Range. As the town’s new hot spot for romance, it was soon dubbed, “Persperation Point.” The Bank was a huge sup-porter of the World War II effort. On May 11, 1942, the Greeley Tribune reported, “Greeley’s big ‘V’ for victory neon sign, located

atop Inspiration Point tower, was completed Saturday… It is the gift of the First National Bank … The lighted ‘V’ is six feet high and below it are three dots and a dash—the Morse code for ‘V.’” The tower had tiers of red, white and blue lights. Petrikin’s property was sold to Colorado State College (now the University of Northern Colorado), and his home and its out buildings were razed for the construction of the student center. After much debate, the tower was removed in 1965. Few, however, knew that this hilltop was the location of Gree-ley’s first cemetery. The Greeley Tribune noted in its Jan. 21, 1871 edition that, “A cemetery lot has

been laid off on the bluff at the head of Monroe Street, of forty acres... having thence a view of both rivers, and the magnificent delta between them.” In March 1874 the town board purchased 40 acres for $500 for a new cemetery. By 1882, all bod-ies buried on “the bluff” were disinterred and re-interred at Linn Grove Cemetery east of Greeley. ______________Editor’s Note: Residents can learn interesting historical facts about local people, places and events by visiting the Hazel E. Johnson Research Center in the Greeley History Museum at 714 8th Street. Call 970-350-9220 or see www.greeleymuseums.com. ■

The tower at night in the 1940s. Photographer

unknown. Courtesy of the City of Greeley Museums.

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Swept Away By a Flood

(Editor’s Note: Fort Collins historian Josephine Clements wrote this story years ago.)

On the bank of the Cache la Poudre River southeast of Fort Collins, a log cabin stood for over 100 years at the east end of Horse-tooth Road. It was built by George Robert Strauss in the early 1860s. He in-tended it to stand fast in time of flood, and many times it did. On May 15, 1860, he arrived on the Poudre where he spent the rest of his life. In the summer of 1861, he planted a garden next to his cabin and sold vegetables to emigrant wagon trains passing through. When the Overland Stage Line came through the area in 1862, he sold vegetables to the stage company. Later he pastured large herds of cattle in the river bottom. He was a friend of Chief Friday and his band of Arapahos, who often camped in the meadow near

Strauss’s cabin. In 1862 he saw the Indians hang a redskin enemy, probably a Ute or Pawnee, from the cottonwood tree there. Strauss lived in his cabin for over 40 years. But in 1904, a gigantic flood rolled out of the mountains and rushed through the cabin. He left the house and started for the home of his neigh-bor James Strang. Strauss was 73 years old and could not withstand the force of the flood. He clung all night to a fence and was rescued by Strang the next morning. But he was so chilled by exposure that he died the next day. Years later, his cabin was oper-ated as a historic site—until van-dals burned it in 1999. But you can still find its location at the east end of Horsetooth Road, next to the river. ■

The Straus cabin. Photo by Bill Lambdin

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Those Banks Again?

U.S. Senator Elizabeth War-ren said in February, “Taxpayers are again vulnerable to the same type of credit meltdown that led to the 2008 financial crisis” because President Obama has signed a bill removing some restrictions in the Dodd-Frank Consumer Protection Act. Section 630 of that Act limited risky trades Wall Street banks like Goldman Sachs and JP Morgan could make with taxpayers’ mon-ey, said Warren. But the Obama change once again allows “de-rivatives traders on Wall Street to gamble with taxpayer money and—when it all blows up—re-quire the government to bail them out,” she said. Economist Paul Krugman agreed and said the change is a “significant” blow to financial reform that lets “Wall Street play games with government-guaran-teed funds.” ■

Generic Drug Prices Americans live in a “wild, wild West of drug pricing,” said re-searcher Stephen Schondelmeyer at the University of Minnesota. He was referring to the recent large increases in generic drug prices, some of which have in-creased 500 percent in the past year. Half of all generics have raised their prices in that time, and analysts see no end in sight. That has prompted Maine and a few other states to allow residents to legally order drugs from Cana-dian pharmacies and other coun-ties, even though federal laws continue to say that is illegal. Some congressmen say they would like to do something to help patients, but U.S. laws forbid the government from regulating drug prices or even negotiating for lower prices in most cases. ■

L E G I S L AT I ONBy Joann Ginal - Colorado State Representative

In February, I sponsored a bill that would allow terminally ill adults the freedom to control their death. Death with Dignity lost in the Public Heath Committee Feb-ruary 6 after 12 hours of emotion-al, respectful testimony. My co-sponsor, Representative Lois Court, and I have received hundreds of letters of support and few letters of concern. We listened to our constituents who requested this legislation. This is not a new concept. In 1997 Oregon passed a law that allows terminally ill patients to choose a peaceful death should their suffering become intolerable.

Like Colorado, over a dozen other states have bipartisan aspirations to pass bills in the coming ses-sions. The bill would protect the vul-nerable, elderly, physically dis-abled, chronically ill, minors, and people with psychiatric and other illnesses. It was carefully written and provided many safeguards to prevent abuse or coercion. Participation by all parties is entirely voluntary. The patient has to be a mentally competent adult, diagnosed as terminally ill by two physicians, and be able to self-administer the medication. No one can assist the patient in taking the

drug, and he can change his mind at any time in the process. All procedures are carefully fol-lowed and documented. Physicians, pharmacists and other healthcare providers are immune from any civil or criminal liability. The decision rests entirely with the patient. It is not a choice of death over life; but rather a choice of one way of passing over anoth-er. Death with Dignity would give someone suffering from a termi-nal illness the freedom to control when, where and how they die. People should have the freedom to make that choice. The bill will return next session.

________________Editor’s Note: The Senior Voice encourages readers to comment on the Death with Dignity bill by email-ing [email protected]. Or email Ft. Collins Rep. Joann Ginal at [email protected]. Or write her at Colorado State Capitol, 200 East Colfax Avenue, Denver, CO 80203. Also email the bill’s co-sponsor Rep. Lois Court: [email protected]. Other northern Colorado state legislators: Sen. Kevin Lundberg: [email protected]. Sen. John Kefalas: [email protected]. Rep. Perry Buck: [email protected]. Rep. Dave Young: [email protected]. Sen. Scott Renfroe: [email protected]. Rep. Bri-an DelGrosso: [email protected]. Sen. Vicki Marble: [email protected]. Rep. Stephen Humphrey: [email protected]. ■

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First Settlers

in LONGMONTBy Lois Hall

The driving force behind the Chicago-Colorado Colony that settled Longmont in 1871 was a pioneer named Seth Terry. Born in 1820 in Connecticut, he attended Wesleyan Academy in Massachusetts. After gradua-tion, he farmed and owned a lum-ber business in Illinois. The group of settlers planning to go from Illinois to Colorado in 1871 sent Terry and three other men to locate a suitable townsite. Terry wrote to his wife, Jane: “We have our location...about 70,000 acres along St. Vrain and Boulder creeks.” By April of 1871, he was build-ing his house in the new town of

Longmont. By June, his wife and 10 children had arrived, and Terry was serving as the first president of the colony. He also founded the first Sun-day school and was a charter member of several other Long-mont organizations. He opened a lumber business and worked tire-lessly to help the community suc-ceed. Later, while digging a water well, he was nearly killed when a piece of heavy equipment hit his head. The accident required that he resign as president of the colony, but he continued to serve as a community leader. He strongly believed Long-

mont would prosper, even though the early years were difficult and many settlers felt like giving up. His son, Herbert, remembered: “Many were discouraged, but Father had wonderful persever-ance. When all we could see was brown grass, grasshoppers and

hard times, he kept saying, ‘You will see this country grow and blossom.’” Seth Terry was 51 years old when he came to Colorado. He accomplished more than most men before he died in 1901 at age 81. ■

New Way to Treat Cancer A new way of getting drugs to hard-to-treat cancers in the pan-creas, breast, and elsewhere is being tested at the University of North Carolina. “Inotophoresis” uses an elec-tric field to drive chemotherapy drugs directly into tumors that are protected by thick tissue and have been hard to treat using con-ventional methods. With Inotop-horesis, electrodes are implanted internally to treat tumors in the pancreas or externally on the skin to treat other tumors. It allows a higher concentra-tion of drugs to be delivered more effectively. “This could shift the paradigm for pancreatic cancer treatments or any other solid tu-mors where standard IV chemo-therapy drugs are hard to get to,” said researchers. The study was published in the journal Science Translational Medicine. ■

Longmont pioneers Jane and Seth Terry. Photo courtesy of the Longmont Museum.


SOCIAL SECURITY

By Debbie Budde - Greeley Social Security Office If you’ve recently begun re-ceiving Social Security benefits or plan to apply in the near future, you may be wondering this tax season: Are Social Security ben-efits taxable? If you file a federal tax return as an individual and your income is between $25,000 and $34,000, you may have to pay income tax on up to 50 percent of your ben-efits. If your income is more than $34,000, then up to 85 percent of your benefits may be taxable. If you are married and you file a joint return, and you and your spouse have a combined income that is between $32,000 and $44,000, you may have to pay in-come tax on up to 50 percent of your benefits. If your combined income is more than $44,000, then up to 85 percent of your ben-efits may be taxable. In January, you should have received a Social Security Ben-

efit Statement showing the amount of ben-efits you received last year. You can use this statement, or SSA-1099, when completing your fed-eral income tax return to find out whether some of your benefits are subject to federal income tax. If you didn’t receive your Benefit Statement, you can request one at www.socialsecurity.gov/1099. So, are your Social Security benefits taxable? Maybe. To learn more, read page 14 of our book-let “Retirement Benefits” avail-able atwww.socialsecurity.gov/pubs, or see www.irs.gov, to ob-tain more detailed information on the subject. ________________Debbie Budde is the Assistant District Manager of the Gree-ley Social Security Office. You can email questions to her at [email protected]

Pioneer AwardBy Bill Lambdin

The Pioneer Association in Fort Collins named Donald Sved-man Pioneer of the Year for his lifetime of service to northern Colorado and the state. He was born in 1933 on his grandfather’s farm that was estab-lished in 1883 between Windsor and Timnath. He recalled that he and his brother lived in a tent for two years until their father had a house for the family on their grandfather’s farm. Growing up, Don was very ac-tive in 4-H, farming, and all agri-cultural interests. His experiences served him well later in life when he became the state deputy com-missioner of agriculture. He earlier graduated from Col-orado A&M College (now Colo-rado State University), worked as an agricultural extension agent, and served as manager of the Col-orado State Fair. He also served with the National Western Stock

Show in Denver, the Colorado Hereford Association, and sev-eral other organizations, all of which have honored him for ex-emplary service. Don also served in the U.S. Navy during the Korean War. After retiring as deputy commissioner of agriculture, he and his wife Elea-nor owned the Bighorn Cabins re-sort in Poudre Canyon. They now live in Fort Collins. They have five children, twelve grandchildren, and five great grandchildren. The Pioneer Association holds meetings and presents free history programs several times a year. It has helped preserve historic struc-tures and the heritage of many pioneer families. You can contact the Pioneer Association for information on early Larimer County families or events, and the free history pro-grams. Call 223.6817 or email [email protected]. ■

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COLORADO CROSSWORDS are created exclusively for The Voice by Tony Donovan, who lives in Loveland.

COLORADO CROSSWORDS

ANSWERS

by Tony Donovan

ACROSS1. Basketball shot’s path4. Burger go-with7. Town at the junction of the Gunnison and Uncompahgre Rivers12. Sales approach, ____ __ door14. Former CU Buffalo and a member of the US Skiing Hall of Fame 15. Venue for the Ohio State vs. Alabama game18. Austrian singer/actress referred to in the song “Mack the Knife” Lotte ______.19. Arizona senator John McCain spent 2 years here in solitary confinement: ________ Hilton20. Lowest class member in Anglo-Saxon England21. Sch. support gp. 23. Animal product often used in making coats and blankets24. Seeks an answer26. What Pinocchio did to extend his nose30. Go in haste31. Mideast terror group 34. Pyrite, familiarly36. President who signed the bill bringing RMNP into existence in 191539. Country bordered by Panama and Nicaragua40. I was ________ ________ many schools I lost track.42. Parseghian who coached the Irish in the 60s43. River originating in the north of France, through Belgium and to the North Sea45. Fill-in worker47. Give off, as an odor50. Miller who led the Broncos to their first Super Bowl appearance52. Pancake eatery, familiarly54. Northern Colorado town named for former governor56. Close, but no ________.58. Phoenix airport61. “He got __ _____ of his own medicine.”

62. Help make happen; allow63. Prominent features of Jamie Farr and Bob Hope64. Mesa Verde or Chaco Canyon find65. Musical CallowayDOWN1. Super Bowl highlights?2. First governor of the Centennial State3. ________ railroad such as goes up Pike’s Peak4. Back breaker for a camel?5. Hang out with the rich and famous6. Reef dweller7. Two-baggers (abbr.)8. Verdugo of the “Marcus Welby, M.D.” TV series9. Warren Commission finding10. “ ________ Story” which featured Buzz Lightyear and Woody11. Gathered together13. Cheerleaders syllable16. Tic-tac-toe winner17. North Park stream or nearby pass21. Architect who designed the Louvre Pyramid as well as the Mile High Center in Denver22. Parting words of The Cisco Kid25. Drying ovens27. Hawkeye State28. Peyton’s bro29. Acronym for internet connection which uses regular phone lines32. In his inaugural address, the President ________ to uphold the constitution33. One with a drinking problem34. ________ gras (table delicacy)35. Cookie selling gp.37. Doris or Dennis38. “Monopoly” foursome (abbr.)39. Medical exam41. ________ Yeller (Disney epic)44. Yon’s partner46. Although the bear had been shot, the bul-let didn’t seem to ________ him.48. Calendar page49. ________ ________ fro51. Virus concern of the CDC53. Mine finds55. Powerful gun lobby57. Life changing words58. Letters in the sand, perhaps59. News gp. Across the pond60. Fighter in gray

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"Big Boys"By P.J. Hunt

Cheyenne has one of the world’s largest railroad steam engines on display at Holiday Park on East Lincoln Way and Morrie Street. The Union Pacific “Big Boy” is a popular tourist attraction that was built especially to haul big loads of freight over Sherman Hill between Cheyenne and Laramie; and over the Wasatch mountains between Green River, Wyoming, and Ogden, Utah. It was more powerful and faster than regular engines, capable of traveling 80 miles an hour and pulling over 4,000 tons. It usually traveled at about 40 miles an hour and pulled up to 120 freight cars. Union Pacific built 25 Big Boys in the 1940s and 1950s. Only a few are still in operating condition or on display. Each had 16 drive wheels, held 24,000 gallons of

water, and 28 tons of coal to fire the engine. Historians say no other engine came close to matching the Big Boy’s speed. When one wrecked in 1953, it was memorable. Three crewmen were killed when a switchman made a mistake west of Rawlins,

Wyoming, causing Big Boy No. 4005 to go off the track, crashing on its side, and causing a 70-foot high pile-up of freight cars that scattered their loads of dead hogs, tractors, sewing machines, and other cargo across the prairie. That was a sad day. But Big

Boy engines served the Union Pa-cific well for many years and are now considered an important part of America’s railroad history. For Cheyenne visitor informa-tion, call 800.225.5996. Email [email protected]. ■

This "Big Boy" is in Cheyenne. The Voice archive.


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A Life Turned Upside DownBy Lois Hall

Chipeta, the wife of Ute Chief Ouray, was one of the few Colo-rado Indian women historians know much about. She had a good life until tragedy struck in 1879. Born in 1843, she was a Kio-wa, not a Ute, found as a child after a rival tribe had killed her parents. The Utes in western Colorado raised her and named her Chipe-ta, which supposedly meant Singing Bird. At age 16, she was a beautiful young woman; and Chief Ouray, whose wife had died, asked her to marry him. She was ten years younger than Ouray but so intelligent that the Utes allowed her to attend their council meetings, usually forbidden to women. When white pioneers began arriving in Colorado after 1859, Chipeta and Ouray realized that the Utes could never stop the flood of settlers, and they ad-vised their tribal members to get along with the whites. Chipeta accompanied Ouray to Washington, D.C., several times to discuss treaties, and ap-parently she impressed govern-ment officials in the East. An early Colorado newspaper editor, Caroline Churchill, said

Chipeta’s appearance “was so picturesque as to teach a national lesson—that beauty or style need not be confined exclusively to any one portion of the race.” Chipeta and Ouray lived on a large farm near what eventually became the town of Montrose. The nearby town of Ouray was later named for the chief.

Chipeta entertained guests in her 16-room adobe house and lived comfortably. She dressed as a white woman, had china and silver settings at her dinner table. But in 1879, her life was turned upside down. A band of Utes attacked an Indian agency run by pioneer Nathan Meeker and killed every white man at the agency.

Settlers demanded that all Utes be moved from Colorado to a reservation in the barren waste-lands of Utah. Chief Ouray died a year later. Chipeta found her-self alone and viewed as an en-emy. She felt abandoned by the white culture she had embraced. She moved to the reservation with her people and reverted to

the tribe’s ancient ways. Some whites tried to persuade her to stay in Colorado, but she refused. The Utes had saved her from death as a child and raised her. She would be loyal to them. Chipeta died on the reserva-

tion in 1924 at age 81. She was buried there but later reburied on her farm near Montrose. Today the Colorado Ute In-dian Museum stands next to her grave three miles south of Mon-trose. ■

Chipeta. Colorado Historical Society.

"So picturesque as to teach a national lesson."

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Unsafe SupplementsBy Bill Lambdin

New York state officials recent-ly tested ingredients in top selling herbal supplements and found that four out of five did not contain any of the herbs listed on their labels. Instead they contained cheap fillers such as powdered rice, powdered radish, and some risky substances. State officials bought 78 bottles of supplements from 12 Walmart, Walgreens, Target, and GNC stores throughout the state. After the tests, officials told those stores to stop selling the products because they violate laws on “mislabeling, con-tamination, and false advertising.” State officials said they were prompted to do the tests because of numerous studies showing that herbal supplements do not contain what manufacturers claim. Herbal supplements are not subject FDA drug standards and can claim whatever they want. What can consumers do? Buy supplements that have been veri-

fied by the U.S. Pharmacopeial Convention (USP), which tests them. They currently include these brands: Nature Made, TruNature, BHS, Kirkland, and Berkley & Jensen. See www.usp.org/usp-verification-services/usp-verified-dietary-supplements/verified-sup-plements. That is not many verified brands considering how many products are on the market. Here is a de-scription of USP on its website: “USP is a scientific, nonprofit organization that establishes fed-erally recognized standards for the quality of drugs, dietary supple-ments, and foods. It is the only such organization that also offers vol-untary verification services to help ensure dietary supplement quality, purity, and potency. USP standards are used in more than 140 countries and are federally recognized per the Federal Food, Drug and Cosmetic Act and the Dietary Supplement Health and Education Act.” ■

Health InsuranceBy Michelle Andrews - Kaiser Health News

“Is this doctor in my insurance network?” That’s part of the litany of ques-tions many people ask when con-sidering whether to see a doctor. Unfortunately, in some cases the an-swer may not be a simple yes or no. Consumers who use out-of-network providers can rack up huge bills. Health maintenance organizations (HMOs) generally don’t cover any non-emergency services provided by physicians or hospitals outside the plan’s net-work of providers. Preferred provider organiza-tions (PPOs) typically do cover out-of-network services but pay a smaller percentage of the charges. Out-of-network services may have higher deductibles and higher out-of-pocket maximums as well. Just because a medical group is in someone’s provider network, consumers can’t be confident that all the physicians in the med-

ical group are also in network. Consumer advocates say the lack of transparency is unfair to consumers. In addition to confu-sion about doctors who are part of more than one practice, consum-ers may also run into billing trou-bles if their doctor operates prac-tices in different locations and accepts different insurance plans at each, say experts. A podiatrist may see patients at one office location two days a week, and at another office loca-tion the rest of the week. Each practice may accept different in-surance plans, and a patient may be in network only at one location. Even if a physician is in a con-sumer’s insurance network, the hospital or clinic the physician works at may not be.________________Kaiser Health News is not affili-ated with Kaiser Permanente in-surance company. ■

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Medicaid PatientsBy Phil Galewitz - Kaiser Health News

Andy Pasternak, a family doctor, saw more than 100 new Medicaid patients in 2014 under the Affordable Care Act. But he won’t be taking any new ones in 2015. That’s when the law’s two-year pay raise for primary care doctors like him who see Medicaid pa-tients expired, resulting in Medic-aid (not Medicare) fee reductions of 43 percent on average across the country, according to the non-partisan Urban Institute. “I don’t want to do this,” Pas-ternak said about his refusal to see more Medicaid patients. But when the temporary pay raise went away, he and other doctors saw their fees drop from $75 on average to less than $50 for rou-tine office visits. “We will lose money when they come to the office,” he said.Experts fear other doctors will re-

spond the same way as Pasternak, making it harder for millions of poor Americans to find doctors. The pay raise was intended to entice more physicians to treat patients as the program expanded in many states. The challenge is to convince physicians not just to continue accepting such patients but to take on more without get-ting paid what they’re used to, said Dr. J. Mario Molina, CEO of Molina Healthcare, one of the na-tion’s largest Medicaid insurers. Only a handful of states have acted to continue the Medicaid pay boost using their own funds, including Colorado, Maryland, Alabama, Iowa, and Mississippi. ________________Kaiser Health News is an inde-pendent news organization and is not associated with Kaiser Per-manente insurance company. ■

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By Lois Hall The Smithsonian Institution in Washington, DC, is one of Amer-ica’s most popular travel desti-nations, but most visitors don’t know the unusual story associated with this museum. It was created by an English-man who never visited the United States and whose birth was ille-gitimate. The reason he created it is something of a mystery. James Smithson was born in l765, the illegitimate son of Hugh

Smithson Percy and Elizabeth Macie, both from wealthy fami-lies. Elizabeth was a widow at the time she became pregnant with James and gave birth. James’ fa-ther did not marry her and shortly after was named Lord Duke of Northumberland by King George III. Because of the rigid social rules in England at that time, James was never allowed to use his father’s last name, Percy, which would have associated him with royalty. As a young man, he used his mother’s last name, Ma-cie.

He attended Oxford University and in l787 became a member of Britain’s Royal Society, a scien-tific organization. He lived as a scholar all of his life, publishing many scientific papers and earn-ing a reputation as a highly re-spected chemist and mineralogist. The mineral smithsonite is named for him. By l802 he had begun to use the last name of Smithson (his fa-ther’s middle name) in his scien-

tific writings and continued to use that name until he died in l829 at age 64 in Genoa, Italy. But before he died, he did something unusual. In his will, he left a fortune for the establish-ment of the Smithsonian Institu-tion in America. The fortune, inherited mostly from his mother, amounted to over l00,000 gold sovereigns, then equivalent of more than $500,000 in the United States but millions today. It was sufficient for establishing the institution he had in mind for the advancement of knowledge. But why did he establish it

in America where he had never been? Some say that remains a mystery. But a line James wrote before he died might have made his intention clear. He said he wanted the name by which he was known, Smithson, to “live in the memory of Man when the titles of the Northum-berlands and Percys are extinct and forgotten.”

In other words, he wanted a way to get even with a society, or family, that denied him his birth-right. And he was successful. You will easily find James Smithson’s name in The Cambridge Bio-graphical Encyclopedia and other reference works. You will not find his father’s name. The Smithsonian Institution stands as a tribute to a clever man. ■

He wanted a way to get even with a family that denied him

his birthright.

The early Smithsonian Institution. It was expanded in later years. Photo the National Archives.

A Strange Kind of Revenge


Observations: You know that tingly feeling you get when you start to fall in love? That’s common sense leav-ing your body. To the paranoid people who check behind the shower curtain for murderers: If you find one, what’s your plan? An elderly priest talked to a younger priest and said, “You had a good idea to replace the first four pews with plush bucket seats. It worked like a charm. The front of the church always fills first now. The young priest nodded, and the older priest continued, “And you told me adding a little more beat to the music would bring young people back to church, so I supported you when you brought in that rock ‘n’ roll gospel choir. Now our services are consistently packed to the balcony.”

“Thank you, Father,” an-swered the young priest. “I am pleased that you are open to new ideas.” “All of these ideas have been good,” said the older priest, “But I’m afraid you’ve gone too far with the drive-thru confessional.” “But, Father,” protested the young priest, “the confessions and donations have nearly dou-bled since I began that.” “Yes, and I appreciate that. But you have to take down the flash-ing neon sign that says ‘Toot ‘n’ Tell or Go to Hell.’” This was reported as a true sto-ry. George Phillips of Meridian, Mississippi, was going to bed when his wife told him he had left a light on in the garden shed. George went downstairs, opened the back door of his house

and saw there were people in the shed stealing things. He phoned a policeman, who asked, “Is someone inside your house?” George said, “No, not in the house.” The policeman said all patrol-men were busy and that George should simple simply lock his door and an officer would be along when available. George said, “Okay.” He hung up the phone, counted to 30, and phoned the policeman again: “I just called you a few seconds ago because there were people in my shed stealing things. You don’t have to worry about them now because I just shot them all.” Within five minutes six police cars, an armed response unit, and an ambulance showed up. The po-lice caught the burglars, and one

of the officers said to George, “I thought you said you shot them!” George replied, “I thought you said there was nobody available.”n

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