Thoughts

Cigna increases premiums while CEO gets more pay

Our medical insurance policy is with Cigna. We’re on the Open Access Plus plan. After I renewed my Cigna policy recently, I got our new insurance cards, and noticed that the premiums and copays increased as follows:

  • PCP Visit ($20 vs $15)
  • Specialist ($40 vs $30)
  • Hospital ER ($100 vs $50)
  • Urgent Care ($50 vs $25)
  • Rx ($10/25/50 vs $10/20/45)

Those are some pretty hefty increases, particular for items 2-4 above, so I thought I’d have a look at Cigna’s executive compensation packages, to see if they’re tightening the belt there as well.

Their CEO is H. Edward Hanway. Here’s what he makes [source]:

  • Current annual compensation: $30.16 million
  • 5-year compensation: $120.51 million
  • His performance vs. pay rank is 162/175, which means he’s the equivalent of a D/F student

In 2006, two years ago, here’s what he was making [source]:

  • Annual compensation: $28.82 million
  • 5-year compensation: $78.31 million
  • Performance vs. pay rank: 166/189, which was slightly better than what he’s averaging now

So what we’ve got here is an overpaid CEO that isn’t pulling his weight, but still paying himself gobs of money off our backs. God knows how much the other executive officers are making, all while we, the customers, get charged more for our premiums and copays. Talk about a rotten deal.

I don’t think that’s fair at all.

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Thoughts

Photos back in the site feed

A few weeks ago, I took my Flickr photos out of the site feed [reference]. Last night, I put them back in. Turns out taking them out cut their views by about 60-80%. That taught me two things:

  1. Showed me how few of the hundreds of people who’ve added me as a contact at Flickr actually care about viewing my photos, which was an interesting realization.
  2. Sometimes the desire to keep things organized and neat is trumped by convenience and practicality. Keeping my photos in the feed allows them to be viewed by more people, and for me at least, it’s no fun to share photos if no one looks at them.

The photos are back in the feed for now. We’ll see how long FeedBurner continues to offer the option to do this, or if they improve it to allow daily photo summaries, as they’ve been asked to do by others (including me). FeedBurner’s site has gone strangely silent lately (after their acquisition by Google), and I’m not sure how long they’ll stay in their current iteration. But don’t let that concern you.

Enjoy the photos!

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Places

Green heron chicks in the parking lot

Guess what I saw in the parking lot at work? Fledging green heron chicks [reference]. (My thanks to Jorge for identifying them properly.)

I’d noticed the herons flying in and out at times during the past few months, but never even heard or saw the chicks before this, so I didn’t know they’d nested there. Around lunchtime, my colleagues told me they’d seen them, and even showed me photos they took with their cellphones, so I went outside and took a few of my own with my DSLR.

There weren’t just one or two, but six or seven of these little green heron chicks, standing about in the parking lot, unsure of themselves, eyeing me warily, wondering what I wanted to do with them. I guess it was their time to get weaned, so their parents either kicked them out of the nest, or they jumped out by themselves.

According to Wikipedia, they leave the nest at 16 days of age, and can’t fully fend for themselves until they’re 30-35 days of age. This means they’re going to be vulnerable to predators until then, and may even die of starvation if they can’t figure out how to get their food.

Photos taken in McLean, VA. Here’s hoping they’ll make it!

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Places

A particularly gloomy night

A night in recent memory featured an almost-full moon and gloomy skies. I took photos. It looked like something out of a scary movie. I used the digital zoom on my camera in order to get closer to the moon, and this means some of the photos aren’t as clear as they should be. Still, I think they’re interesting.

Photos taken in North Bethesda, MD.

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How To

Tips for handling telemarketers

Here’s what will work, because it’s backed by law.

Unwanted phone calls

What I did to cut down on my telemarketing phone calls was to register with the National Do Not Call Registry (it’s free). I screen all my phone calls as well, through Caller ID and voicemail. I let telemarketers and phone numbers that I don’t know go to voicemail, where I can delete useless messages promptly.

Unwanted mail

I also make it a practice not to respond to junk mail; I shred it when I get it. And I have also registered with the Direct Marketing Association’s Mail Preference Service, which lets you tell marketers that you’d rather not get junk mail. I opted out of all unsolicited mail.

Here’s what may not work, but would be fun to do.

Got the advice quoted below via email. (Thanks Nicole!) Apparently Snopes has debunked it as ineffective. Still, I say it’s fun to mail the junk mail back to the companies that send it. If nothing else, it costs them extra, and higher cost is always a deterrent. Plus, no one can deny the satisfaction to be gotten from wasting telemarketers’ time the same way they waste yours — on the phone.

So, read through this stuff, but keep in mind it may not work as desired, other than allowing you to blow off a little steam and get a chuckle at the expense of the companies that waste your time.

💡 Three Little Words That Work

“The three little words are “Hold On, Please…”

Saying this, while putting down your phone and walking off (instead of hanging-up immediately) would make each telemarketing call so much more time-consuming that boiler room sales would grind to a halt.

Then when you eventually hear the phone company’s ‘beep-beep-beep’ tone, you know it’s time to go back and hang up your handset, which has efficiently completed its task.

These three little words will help eliminate telephone soliciting.”

💡 Do you ever get those annoying phone calls with no one on the other end?

“This is a telemarketing technique where a machine makes phone calls and records the time of day when a person answers the phone.

This technique is used to determine the best time of day for a ‘real’ sales person to call back and get someone at home.

What you can do after answering, if you notice there is no one there, is to immediately start hitting your # button on the phone, 6 or 7 times, as quickly as possible. This confuses the machine that dialed the call and it kicks your number out of their system. Gosh, what a shame not to have your name in their system any longer!”

💡 Junk Mail Help

“When you get ‘ads’ enclosed with your bills, return these ‘ads’ with your payment. Let the sending companies throw their own junk mail away.

When you get those ‘pre-approved’ letters in the mail for everything from credit cards to 2nd mortgages and similar type junk, do not throw away the return envelope. Most of these come with postage-paid return envelopes, right?

It costs them more than the regular 41 cents postage if and when they receive them back, but it costs them nothing if you throw the ads away! The postage was around 50 cents before the last increase and it is according to the weight. In that case, why not get rid of some of your other junk mail and put it in these cool, little, postage-paid return envelopes.”

💡 Extra

“Send an ad for your local chimney cleaner to American Express. Send a pizza coupon to Citibank. If you didn’t get anything else that day, then just send them their blank application back! If you want to remain anonymous, just make sure your name isn’t on anything you send them.

You can even send the envelope back empty if you want to just to keep them guessing! It still costs them 41 cents.

The banks and credit card companies are currently getting a lot of their own junk back in the mail, but folks, we need to OVERWHELM them. Let’s let them know what it’s like to get lots of junk mail, and best of all, they’re going to pay for it… Twice!

Let’s help keep our postal service busy since they are saying that e-mail is cutting into their business profits, and that’s why they need to increase postage costs again. You get the idea, right?”

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