Software Programs Help Doctors Diagnose, but Can’t Replace Them





SAN FRANCISCO — The man on stage had his audience of 600 mesmerized. Over the course of 45 minutes, the tension grew. Finally, the moment of truth arrived, and the room was silent with anticipation.




At last he spoke. “Lymphoma with secondary hemophagocytic syndrome,” he said. The crowd erupted in applause.


Professionals in every field revere their superstars, and in medicine the best diagnosticians are held in particularly high esteem. Dr. Gurpreet Dhaliwal, 39, a self-effacing associate professor of clinical medicine at the University of California, San Francisco, is considered one of the most skillful clinical diagnosticians in practice today.


The case Dr. Dhaliwal was presented, at a medical  conference last year, began with information that could have described hundreds of diseases: the patient had intermittent fevers, joint pain, and weight and appetite loss.


To observe him at work is like watching Steven Spielberg tackle a script or Rory McIlroy a golf course. He was given new information bit by bit — lab, imaging and biopsy results. Over the course of the session, he drew on an encyclopedic familiarity with thousands of syndromes. He deftly dismissed red herrings while picking up on clues that others might ignore, gradually homing in on the accurate diagnosis.


Just how special is Dr. Dhaliwal’s talent? More to the point, what can he do that a computer cannot? Will a computer ever successfully stand in for a skill that is based not simply on a vast fund of knowledge but also on more intangible factors like intuition?


The history of computer-assisted diagnostics is long and rich. In the 1970s, researchers at the University of Pittsburgh developed software to diagnose complex problems in general internal medicine; the project eventually resulted in a commercial program called Quick Medical Reference. Since the 1980s, Massachusetts General Hospital has been developing and refining DXplain, a program that provides a ranked list of clinical diagnoses from a set of symptoms and laboratory data.


And I.B.M., on the heels of its triumph last year with Watson, the Jeopardy-playing computer, is working on Watson for Healthcare.


In some ways, Dr. Dhaliwal’s diagnostic method is similar to that of another I.B.M. project: the Deep Blue chess program, which in 1996 trounced Garry Kasparov, the world’s best player at the time, to claim an unambiguous victory in the computer’s relentless march into the human domain.


Although lacking consciousness and a human’s intuition, Deep Blue had millions of moves memorized and could analyze as many each second. Dr. Dhaliwal does the diagnostic equivalent, though at human speed.


Since medical school, he has been an insatiable reader of case reports in medical journals, and case conferences from other hospitals. At work he occasionally uses a diagnostic checklist program called Isabel, just to make certain he hasn’t forgotten something. But the program has yet to offer a diagnosis that Dr. Dhaliwal missed.


Dr. Dhaliwal regularly receives cases from physicians who are stumped by a set of symptoms. At medical conferences, he is presented with one vexingly difficult case and is given 45 minutes to solve it. It is a medical high-wire act; doctors in the audience squirm as the set of facts gets more obscure and all the diagnoses they were considering are ruled out. After absorbing and processing scores of details, Dr. Dhaliwal must commit to a diagnosis. More often than not, he is right.


When working on a difficult case in front of an audience, Dr. Dhaliwal puts his entire thought process on display, with the goal of “elevating the stature of thinking,” he said. He believes this is becoming more important because physicians are being assessed on whether they gave the right medicine to a patient, or remembered to order a certain test.


Without such emphasis, physicians and training programs might forget the importance of having smart, thoughtful doctors. “Because in medicine,” Dr. Dhaliwal said, “thinking is our most important procedure.”


He added: “Getting better at diagnosis isn’t about figuring out if someone has one rare disease versus another. Getting better at diagnosis is as important to patient quality and safety as reducing medication errors, or eliminating wrong site surgery.”


Clinical Precision


Dr. Dhaliwal does half his clinical work on the wards of the San Francisco V. A. Medical Center, and the other half in its emergency department, where he often puzzles through multiple mysteries at a time.


One recent afternoon in the E.R., he was treating a 66-year-old man who was mentally unstable and uncooperative. He complained of hip pain, but routine lab work revealed that his kidneys weren’t working and his potassium was rising to a dangerous level, putting him in danger of an arrhythmia that could kill him — perhaps within hours. An ultrasound showed that his bladder was blocked.


There was work to be done: drain the bladder, correct the potassium level. It would have been easy to dismiss the hip pain as a distraction; it didn’t easily fit the picture. But Dr. Dhaliwal’s instinct is to hew to the ancient rule that physicians should try to come to a unifying diagnosis. In the end, everything — including the hip pain — was traced to metastatic prostate cancer.


“Things can shift very quickly in the emergency room,” Dr. Dhaliwal said. “One challenge of this, whether you use a computer or your brain, is deciding what’s signal and what’s noise.” Much of the time, it is his intuition that helps figure out which is which.


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Public-private group wins bid for delinquent mortgages













A foreclosure consultation event


A homeowner with a delinquent mortgage speaks with a mortgage specialist at a JPMorgan Chase foreclosure consultation event in New York in 2011.
(Shannon Stapleton/Reuters File Photo / December 3, 2012)





















































A public-private partnership headed by the Illinois Housing Development Authority has emerged as one of the winning bidders in a September auction of delinquent mortgages held by the Federal Housing Administration.
 
Mortgage Resolution Fund will use $25 million of federal hardest-hit funds awarded to the state to buy 324 delinquent loans on Chicago-area properties. The loans, which were part of a neighborhood stabilization pool have an unpaid principal balance of about $62 million and the properties are valued at $40 million.
 
After the note sale closes, homeowners whose delinquent mortgages are part of the loan pool will be contacted by a new servicer in early 2013 that will offer to write down the principal balance of the loans and set up more affordable repayment terms to eligible homeowners. Those homeowners pay no cost to receive the loan modifications.
 
"We want to help as many borrowers as possible achieve long-term stability so they can stay in their homes without the fear of foreclosure," said Mary Kenney, executive director of the Illinois Housing Development Authority.
 
Separately, Florida-based Bayview Acquisitions LLC submitted a winning bid of about $70 million for 1,430 other Illinois loans in a neighborhood stabilization pool that had an unpaid principal balance of about $269 million and an estimated property value of $155 million. Another 299 delinquent Illinois mortgages were sold as part of other pools.
 
Nationally, the note sale involved about 9,400 distressed loans. Bids were submitted to U.S. Department of Housing and Urban Development in September.
 
HUD said plans to sell another 10,000 to 15,000 distressed loans during the first quarter of 2013, and at least 40,000 during the next year in an effort to remove distressed loans from its portfolio.
 
mepodmolik@tribune.com | Twitter @mepodmolik




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Dense fog advisory in effect













 


 
(Tribune illustration / March 10, 2012)




















































The National Weather Service has issued a dense fog advisory for Cook County through 8 a.m. this morning.

Traffic on Chicago's highways is moving slowly, presumably due to the decreased visibility, according to the Illinois State Police.

In addition to driving slowly, commuters are being urged to leave extra space between vehicles.

The fog has already lifted significantly in southern parts of the city, and it will continue to lift moving northward throughout the morning, said Mike Bardou, a meteorologist with the National Weather Service in Romeoville.

“Over the next couple of hours, we should see visibility slowly come up,” Bardou said.

Unseasonably warm termperatures are contributing to the lingering fog: the Weather Service has predicted a high of 67 degrees for today, well above the normal high for Dec. 3 of 39 degrees.

Chicago's record high temperature for Dec. 3 is 71 degrees, which the city reached in 1970.

Thunderstorms and rain showers are possible this afternoon and evening.


chicagobreaking@tribune.com


Twitter: @ChicagoBreaking






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Letterman, Hoffman, Zeppelin honored by Obama












WASHINGTON (AP) — David Letterman‘s “stupid human tricks” and Top 10 lists vaulted into the ranks of cultural acclaim Sunday night as the late-night comedian received this year’s Kennedy Center Honors with rock band Led Zeppelin, an actor, a ballerina and a bluesman.


Stars from New York, Hollywood and the music world joined President Barack Obama at the White House on Sunday night to salute the honorees, whose ranks also include actor Dustin Hoffman, Chicago bluesman Buddy Guy and ballerina Natalia Makarova.












The honors are the nation’s highest award for those who influenced American culture through the arts. The recipients were later saluted by fellow performers at the Kennedy Center Opera House in a show to be broadcast Dec. 26 on CBS.


Obama drew laughs from his guests when he described the honorees as “some extraordinary people who have no business being on the same stage together.”


Noting that Guy made his first guitar strings using the wire from a window screen, he quipped, “That worked until his parents started wondering how all the mosquitoes were getting in.”


The president thanked the members of Led Zeppelin for behaving themselves at the White House given their history of “hotel rooms trashed and mayhem all around.”


Obama noted Letterman’s humble beginnings as an Indianapolis weatherman who once reported the city was being pelted by hail ‘the size of canned hams.’”


“It’s one of the highlights of his career,” he said.


All kidding aside, Obama described all of the honorees as artists who “inspired us to see things in a new way, to hear things differently, to discover something within us or to appreciate how much beauty there is in the world.”


“It’s that unique power that makes the arts so important,” he added.


Later on the red carpet, Letterman said he was thrilled by the recognition and to visit Obama at the White House.


“It supersedes everything, honestly,” he said. “I haven’t won that many awards.”


During the show, comedian Tina Fey said she grew up watching her mom laugh at Letterman as he brought on “an endless parade of weirdos.”


“Who was this Dave Letterman guy?” Fey said. “Was he a brilliant, subtle passive-aggressive parody of a talk show host? Or just some Midwestern goon who was a little bit off? Time has proven that there’s just really no way of knowing.”


Alec Baldwin offered a Top 10 reasons Letterman was winning the award, including the fact that he didn’t leave late night for a six-month stint in primetime — a not-so-subtle dig at rival Jay Leno.


Jimmy Kimmel, who will soon compete head-to-head with Letterman on ABC, said he fell in love with Letterman early in life and even had a “Late Night” cake on his 16th birthday.


“To me it wasn’t just a TV show,” Kimmel said. “It was the reason I would fail to make love to a live woman for many, many years.”


For Buddy Guy, singers Bonnie Raitt, Tracy Chapman and others got most of the crowd on its feet singing Guy’s signature “Sweet Home Chicago.”


Morgan Freeman hailed Guy as a pioneer who helped bridge soul and rock and roll.


“When you hear the blues, you really don’t think of it as black or white or yellow or purple or blue,” Freeman said. “Buddy Guy, your blue brought us together.”


Robert De Niro saluted Hoffman, saying he had changed acting, never took any shortcuts and was brave enough to be a perfectionist.


“Before Dustin burst on the scene, it was pretty much OK for movie stars to show up, read their lines and, if the director insisted, act a little,” De Niro said. “But then Dustin came along — and he just had to get everything right.”


By the end of the night, the Foo Fighters, Kid Rock and Lenny Kravitz got the crowd moving to some of Zeppelin’s hits at the Kennedy Center.


Jack Black declared Zeppelin the “greatest rock and roll band of all time.”


“That’s right. Better than the Beatles. Better than the Stones. Even better than Tenacious D,” he said. “And that’s not opinion — that’s fact.”


For the finale, Heart’s Ann Wilson and Nancy Wilson sang “Stairway to Heaven,” accompanied by a full choir and Jason Bonham, son of the late Zeppelin drummer John Bonham.


Zeppelin front man Robert Plant and his bandmates John Paul Jones and Jimmy Page seemed moved by the show.


Meryl Streep first introduced the honorees Saturday as they received the award medallions during a formal dinner at the U.S. State Department hosted by Secretary of State Hillary Rodham Clinton.


Clinton said ballerina Makarova “risked everything to have the freedom to dance the way she wanted to dance” when she defected from the Soviet Union in 1970.


Makarova made her debut with the American Ballet Theatre and later was the first exiled artist to return to the Soviet Union before its fall to dance with the Kirov Ballet.


Clinton also took special note of Letterman, saying he must be wondering what he’s doing in a crowd of talented artists and musicians.


“Dave and I have a history,” she said. “I have been a guest on his show several times, and if you include references to my pant suits, I’m on at least once a week.”


___


Follow Brett Zongker on Twitter at https://twitter.com/DCArtBeat


Entertainment News Headlines – Yahoo! News


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Call That Kept Nursing Home Patients in Sandy’s Path


Chang W. Lee/The New York Times


Workers were shocked that nursing and adult homes in areas like Rockaway Park, Queens, weren’t evacuated.







Hurricane Sandy was swirling northward, four days before landfall, and at the Sea Crest Health Care Center, a nursing home overlooking the Coney Island Boardwalk in Brooklyn, workers were gathering medicines and other supplies as they prepared to evacuate.




Then the call came from health officials: Mayor Michael R. Bloomberg, acting on the advice of his aides and those of Gov. Andrew M. Cuomo, recommended that nursing homes and adult homes stay put. The 305 residents would ride out the storm.


The same advisory also took administrators by surprise at the Ocean Promenade nursing home, which faces the Atlantic Ocean in Queens. They canceled plans to move 105 residents to safety.


“No one gets why we weren’t evacuated,” said a worker there, Yisroel Tabi. “We wouldn’t have exposed ourselves to dealing with that situation.”


The recommendation that thousands of elderly, disabled and mentally ill residents remain in more than 40 nursing homes and adult homes in flood-prone areas of New York City had calamitous consequences.


At least 29 facilities in Queens and Brooklyn were severely flooded. Generators failed or were absent. Buildings were plunged into a cold, wet darkness, with no access to power, water, heat and food.


While no immediate deaths were reported, it took at least three days for the Fire Department, the National Guard and ambulance crews from around the country to rescue over 4,000 nursing home and 1,500 adult home residents. Without working elevators, many had to be carried down slippery stairwells.


“I was shocked,” said Greg Levow, who works for an ambulance service and helped rescue residents at Queens. “I couldn’t understand why they were there in the first place.”


Many sat for hours in ambulances and buses before being transported to safety through sand drifts and debris-filled floodwaters. They went to crowded shelters and nursing homes as far away as Albany, where for days, they often lacked medical charts and medications. Families struggled to locate relatives.


The decision not to empty the nursing homes and adult homes in the mandatory evacuation area was one of the most questionable by the authorities during Hurricane Sandy. And an investigation by The New York Times found that the impact was worsened by missteps that officials made in not ensuring that these facilities could protect residents.


They did not require that nursing homes maintain backup generators that could withstand flooding. They did not ensure that health care administrators could adequately communicate with government agencies during and after a storm. And they discounted the more severe of the early predictions about Hurricane Sandy’s surge.


The Times’s investigation was based on interviews with officials, health care administrators, doctors, nurses, ambulance medics, residents, family members and disaster experts. It included a review of internal State Health Department status reports. The findings revealed the striking vulnerability of the city’s nursing and adult homes.


On Sunday, Oct. 28, the day before Hurricane Sandy arrived, Mr. Bloomberg ordered a mandatory evacuation in Zone A, the low-lying neighborhoods of the city. But by that point, Mr. Bloomberg, relying on the advice of the city and state health commissioners, had already determined that people in nursing homes and adult homes should not leave, officials said.


The mayor’s recommendations that health care facilities not evacuate startled residents of Surf Manor adult home in Coney Island, said one of them, Norman Bloomfield. He recalled that another resident exclaimed, “What about us! Why’s he telling us to stay?”


The commissioners made the recommendation to Mr. Bloomberg and Mr. Cuomo because they said they believed that the inherent risks of transporting the residents outweighed the potential dangers from the storm.


In interviews, senior Bloomberg and Cuomo aides did not express regret for keeping the residents in place.


“I would defend all the decisions and the actions” by the health authorities involving the storm, said Linda I. Gibbs, a deputy mayor. “I feel like I’m describing something that was a remarkable, lifesaving event.”


Dr. Nirav R. Shah, the state health commissioner, who regulates nursing homes, said: “I’m not even thinking of second-guessing the decisions.”


Still, officials in New Jersey and in Nassau County adopted a different policy, evacuating nursing homes in coastal areas well before the storm.


Contradictory Forecasts


The city’s experience with Tropical Storm Irene last year weighed heavily on state and city health officials and contributed to their underestimating the impact of Hurricane Sandy, according to records and interviews.


Before Tropical Storm Irene, the officials ordered nursing homes and adult homes to evacuate. The storm caused relatively minor damage, but the evacuation led to millions of dollars in health care, transportation, housing and other costs, and took a toll on residents.


As a result, when Hurricane Sandy loomed, the officials were acutely aware that they could come under criticism if they ordered another evacuation that proved unnecessary.


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Heat is on Groupon's Andrew Mason









In June 2011, Groupon Inc. Chief Executive Andrew Mason took the stage at a conference hosted by influential technology blog AllThingsD.


When co-executive editor Kara Swisher asked him whether an initial public offering was coming soon, he shot her what she later dubbed his "death stare."


The audience laughed and broke into applause.





The tone was decidedly more subdued last week, when Mason found himself at another tech industry confab, fielding questions from Business Insider's Henry Blodget, this time about whether Groupon's directors were going to fire him at their meeting the next day. AllThingsD had reported a day earlier, citing anonymous sources, that Groupon's board of directors was considering replacing Mason with a more experienced CEO to lead the Chicago-based daily deal company's turnaround.


The contrast between those two appearances underscores the swift and dramatic tumble of Mason's standing in tech and business circles within a few years. The young founder and CEO graced the cover of Forbes in 2010 and was named Ernst & Young's National Entrepreneur of the Year in the "emerging" category a year later.


Those accolades are a far cry from the cloud hanging over Mason, 32, and the company he launched four years ago. The leak to AllThingsD appeared to be deliberately timed to embarrass the executive, forcing him to field questions about his own competence at a scheduled appearance. This public hint of internal strife has fueled speculation around Mason's fate even as other public tech companies, such as Facebook and social game-maker Zynga, have also seen their stock prices drop since their IPOs.


Groupon's board met Thursday and took no action on the CEO's job, with company spokesman Paul Taaffe saying the board and management were "working together with their heads down to achieve Groupon's objectives."


Markets, however, seemed unconvinced. Groupon's beleaguered stock closed slightly higher Thursday but dropped 8.7 percent to $4.14 Friday. Shares debuted at $20 in November 2011.


Investors "want experience in leadership," said Raman Chadha, a clinical professor at DePaul University and co-founder of the Junto Institute for Entrepreneurial Leadership, a training program for startup founders. "And as a result, where Andrew's background was cool and sexy — and maybe even bordering on amusing — when Groupon was a pure startup, that's in the mindset of those of us who are observers and supporters … and fellow entrepreneurs. I think in the minds of the investor community and Wall Street, (it's different) because now the company has a lot more to lose. And if it's going to fall, it's going to fall really hard and really far."


For Chadha, Mason's unconventional pedigree as a music major-turned-startup-founder was part of the appealing, media-friendly story of Groupon's origin. The company was launched as recession-weary consumers were eager for deals, and it achieved rapid growth while earning a reputation for antics like decorating a conference room in the style of a fictional, possibly deranged tenant of Groupon's headquarters who had lived there before the startup moved into the offices.


The scrutiny of Groupon was tremendous given the "high-flying" nature of the company, said David Larcker, a corporate governance expert at the Stanford Graduate School of Business.


"You have a founder as CEO," he said. "He's the public face of the company. He has set the culture. All of that stuff."


That culture, driven in large part by Mason, turned from a lovable quirk to a major liability as the company ran into controversy over its poorly received Super Bowl ads in February 2011 and a series of missteps in the run-up to its IPO. Then, within months of its public debut, it disclosed an accounting flaw that forced it to restate financial results.


The larger question surrounding Groupon is the long-term viability of its basic business model. The company has been expanding offerings beyond its core daily deals, which have seen growth rates tail off. It's also dealing with a recession in the key European market as well as continued competition in the U.S.


But the biggest challenge facing Mason now is probably his own performance, or rather the perception that he isn't up to the task of running the global, publicly traded business worth billions that he founded but that now needs a turnaround. The stock is down 80 percent from its IPO price.


"It's an oft-told, oft-expected story that the genius entrepreneur steps aside when he or she succeeds at building a company big enough to need an experienced CEO," said Erik Gordon, a business professor at the University of Michigan.


The example Gordon and others cite is Google, which flourished after its co-founders Larry Page and Sergey Brin made way for a more seasoned executive in Eric Schmidt.


"The Google guys did it, and the results were spectacular," Gordon said.


Chadha said many startups tend to become more corporate in outlook, and less quirky, as they grow, because they bring in experienced executives from large companies that may have difficulty adapting to an entrepreneurial culture or reject it outright as not professional enough.


"I think that's where Google is very different," Chadha said. "(The company) sought out entrepreneurial, startup types — people that became part of their management team." That free-form element of Google's culture comes out in such things as the Google doodles — the offbeat tributes to notable anniversaries or famous people that pop up on the main search page.


Mason has acknowledged areas where Groupon needs to improve and has hired senior executives with experience at more mature tech companies. That hasn't always worked either. Margo Georgiadis, who came from Google as chief operating officer, returned to that company after five months.


Whether there's still room for Mason on the top management team remains to be seen. He was direct in his interview last week with Blodget, offering a minimum of jokes as he focused on discussing the job he and others at Groupon must accomplish.


"I care far more about the success of the business than I care about my role as CEO," he said.


A year ago, when he spoke to author Frank Sennett for his book "Groupon's Biggest Deal Ever," Mason was unapologetic about his management style.


"You only live once, and all I'm doing is being myself," he told Sennett. "I think a normal CEO is trying to appear in some way that's not actually them. That's probably not what they're like."


In the same book, former President and Chief Operating Officer Rob Solomon offered this blunt assessment of his ex-boss: "Andrew at thirty-five and forty is going to hate Andrew at twenty-nine and thirty; I guarantee it."


Melissa Harris and Bloomberg News contributed.


wawong@tribune.com


Twitter @VelocityWong





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Shooting at party leaves 3 hurt













 


The scene where three people were shot at 75th Street and Blackstone Avenue.
(Adam Sege / December 2, 2012)





















































Three people were shot in the Grand Crossing neighborhood late Saturday night when two gunmen opened fire into a private party and started shooting again as they escaped, police said.


Shots rang out about 10:45 p.m. at an event space in the 1400 block of East 75th Street, which had apparently been rented out for a party, police said.


Two male shooters entered the event space and started shooting, striking two 20-year-old men, Chicago Police Department News Affairs Officer Hector Alfaro said, citing preliminary information.  One of the men shot sustained gunshot wounds to the shoulder and leg, and the other was struck in the hand and grazed in the back. 





The shooters then fled around the corner, to the 7500 block of South Blackstone Avenue, where at least one of them fired on a 26-year-old woman, who was shot in both legs and the buttocks, Alfaro said.


The men were taken to Advocate Christ Hospital in Oak Lawn, and the woman was taken to Northwestern Memorial Hospital, Alfaro said.


The Chicago Fire Department listed the two men taken to Advocate Christ in fair-to-serious condition, and it listed the third victim in serious-to-critical condition.


About midnight, people stood under the awning of an apartment building across the street and watched as detectives lingered near the scene of the party. Police had marked off the entrance to the event space with yellow tape.


No suspects are in custody, and Area South detectives are investigating the shooting.


Police have not yet identified a motive.



asege@tribune.com


@AdamSege






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iPad mini shortages may soon be resolved












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Ricky Martin finds new home on small screen












NEW YORK (AP) — Ricky Martin is saying goodbye to Broadway’s “Evita.” But don’t cry for him.


The Latin superstar has a slew of new projects in the works, including two television series and a children’s book.












“It’s about growing,” said Martin in an interview Friday. “It’s a moment in my life where I just need to absorb and be surrounded by amazing actors and musicians and grow as an entertainer. I think this is going to be an amazing year for that.”


Martin takes his final bow in the Andrew Lloyd Webber revival on Jan. 26. Then he heads down under to join the second season of the Australian edition of “The Voice.” But the Grammy winner says not to expect any biting, Simon Cowellesque critiques.


“I don’t believe in tough love. I believe in love, and I believe in being nurturing to new talented men and women,” he said at an M.A.C. Viva Glam event for Saturday’s World AIDS Day. Martin partnered with the cosmetics brand to raise awareness and funding for HIV/AIDS programs worldwide.


The “Livin’ la Vida Loca” singer is developing a new series for NBC, expected in 2013. He’s producing, writing and will star in the currently untitled dramedy, where he hopes to tackle social issues with humor.


He’s also writing his second book and admitted he didn’t have to look far for inspiration.


“I think it’s time to write about things that I’ve been through with my kids that I’m sure many daddys out there will understand,” said the father of 4-year-old twins Matteo and Valentino.


The family-friendly story about self-esteem is slated for release next summer.


___


AP writer Sigal Ratner-Arias contributed to this story.


___


Follow Nicole Evatt on Twitter at http://twitter.com/NicoleEvatt


Entertainment News Headlines – Yahoo! News


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Opinion: A Health Insurance Detective Story





I’VE had a long career as a business journalist, beginning at Forbes and including eight years as the editor of Money, a personal finance magazine. But I’ve never faced a more confounding reporting challenge than the one I’m engaged in now: What will I pay next year for the pill that controls my blood cancer?




After making more than 70 phone calls to 16 organizations over the past few weeks, I’m still not totally sure what I will owe for my Revlimid, a derivative of thalidomide that is keeping my multiple myeloma in check. The drug is extremely expensive — about $11,000 retail for a four-week supply, $132,000 a year, $524 a pill. Time Warner, my former employer, has covered me for years under its Supplementary Medicare Program, a plan for retirees that included a special Writers Guild benefit capping my out-of-pocket prescription costs at $1,000 a year. That out-of-pocket limit is scheduled to expire on Jan. 1. So what will my Revlimid cost me next year?


The answers I got ranged from $20 a month to $17,000 a year. One of the first people I phoned said that no matter what I heard, I wouldn’t know the cost until I filed a claim in January. Seventy phone calls later, that may still be the most reliable thing anyone has told me.


Like around 47 million other Medicare beneficiaries, I have until this Friday, Dec. 7, when open enrollment ends, to choose my 2013 Medicare coverage, either through traditional Medicare or a private insurer, as well as my drug coverage — or I will risk all sorts of complications and potential late penalties.


But if a seasoned personal-finance journalist can’t get a straight answer to a simple question, what chance do most people have of picking the right health insurance option?


A study published in the journal Health Affairs in October estimated that a mere 5.2 percent of Medicare Part D beneficiaries chose the cheapest coverage that met their needs. All in all, consumers appear to be wasting roughly $11 billion a year on their Part D coverage, partly, I think, because they don’t get reliable answers to straightforward questions.


Here’s a snapshot of my surreal experience:


NOV. 7 A packet from Time Warner informs me that the company’s new 2013 Retiree Health Care Plan has “no out-of-pocket limit on your expenses.” But Erin, the person who answers at the company’s Benefits Service Center, tells me that the new plan will have “no practical effect” on me. What about the $1,000-a-year cap on drug costs? Is that really being eliminated? “Yes,” she says, “there’s no limit on out-of-pocket expenses in 2013.” I tell her I think that could have a major effect on me.


Next I talk to David at CVS/Caremark, Time Warner’s new drug insurance provider. He thinks my out-of-pocket cost for Revlimid next year will be $6,900. He says, “I know I’m scaring you.”


I call back Erin at Time Warner. She mentions something about $10,000 and says she’ll get an estimate for me in two business days.


NOV. 8 I phone Medicare. Jay says that if I switch to Medicare’s Part D prescription coverage, with a new provider, Revlimid’s cost will drive me into Medicare’s “catastrophic coverage.” I’d pay $2,819 the first month, and 5 percent of the cost of the drug thereafter — $563 a month or maybe $561. Anyway, roughly $9,000 for the year. Jay says AARP’s Part D plan may be a good option.


NOV. 9 Erin at Time Warner tells me that the company’s policy bundles United Healthcare medical coverage with CVS/Caremark’s drug coverage. I can’t accept the medical plan and cherry-pick prescription coverage elsewhere. It’s take it or leave it. Then she puts CVS’s Michele on the line to get me a Revlimid quote. Michele says Time Warner hasn’t transferred my insurance information. She can’t give me a quote without it. Erin says she will not call me with an update. I’ll have to call her.


My oncologist’s assistant steers me to Celgene, Revlimid’s manufacturer. Jennifer in “patient support” says premium assistance grants can cut the cost of Revlimid to $20 or $30 a month. She says, “You’re going to be O.K.” If my income is low enough to qualify for assistance.


NOV. 12 I try CVS again. Christine says my insurance records still have not been transferred, but she thinks my Revlimid might cost $17,000 a year.


Adriana at Medicare warns me that AARP and other Part D providers will require “prior authorization” to cover my Revlimid, so it’s probably best to stick with Time Warner no matter what the cost.


But Brooke at AARP insists that I don’t need prior authorization for my Revlimid, and so does her supervisor Brian — until he spots a footnote. Then he assures me that it will be easy to get prior authorization. All I need is a doctor’s note. My out-of-pocket cost for 2013: roughly $7,000.


NOV. 13 Linda at CVS says her company still doesn’t have my file, but from what she can see about Time Warner’s insurance plans my cost will be $60 a month — $720 for the year.


CVS assigns my case to Rebecca. She says she’s “sure all will be fine.” Well, “pretty sure.” She’s excited. She’s been with the company only a few months. This will be her first quote.


NOV. 14 Giddens at Time Warner puts in an “emergency update request” to get my files transferred to CVS.


Frank Lalli is an editorial consultant on retirement issues and a former senior executive editor at Time Warner’s Time Inc.



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