红蓝卡今春起每月8次免费快筛 无需处方 造福6000万人




红蓝卡今春起每月8次免费快筛 无需处方 造福6000万人

世界新闻网

02/04/2022

联邦医疗保险(红蓝卡)将提供新冠病毒快筛剂,春天起每月免费提供八次。(路透)

拜登政府3日宣布联邦医疗保险(Medicare)将包括负担新冠病毒快筛剂,春天开始每月免费提供八次无需处方的快筛剂,以弥补快筛剂不足的窘境,民众可在接受红蓝卡的药店等地索取,但仅限于参加Medicare B部分的人。

参加Medicare B部分的人约占90%,「联邦医疗保险和医疗补助计划(Medicaid)服务中心」(CMS)上月要求私营保险公司每月免费提供八次快筛剂,但对红蓝卡持有人如何提供尚未决定,参加Medicare的人超过6000万,其中多数是年逾65岁和易被感染罹患重症的人。



这是Medicare罕见无需处方签和免费提供快筛剂,但Medicare的福利受到许多法规的制约,CMS官员表示,他们是利用Medicare的法律授权实现了无处方提供快筛剂,属于医疗服务的创新。

「Medicare优势计划」(Medicare Advantage,即Medicare C部分)已向参加者免费提供无需处方的快筛剂,他们也可每月通过自己的计划获取八次快筛剂。参加Medicare优势计划的人约占40%。

美国中老年人协会(AARP)称赞CMS的决定,表示快筛剂的费用和寻找免费快筛剂的时间等因素,都限制了红蓝卡持有人的检测积极性,导致他们不愿与人接触和病毒持续扩散。

快筛剂可居家使用,15分钟得出结果,许多家庭在聚会或出门到外州探亲访友前使用,一些快筛剂的厂家特意针对老年人销售。



Medicare仍将继续提供免费的PCR检测服务,但PCR检测必须由医师和专业健保机构提出。

在Medicare的新政策公布前,红蓝卡持有人也有免费获取快筛剂的途径,包括登录检测网站covidtests.gov申请和到社区中心领取;Medicare的新政策实施后,原先的途径依然有效。

Omicron变种12月爆发后,药店的居家快筛剂一度热销,部分消费者说如今仍难买到;在白宫表示要免费提供5亿个快筛盒后,快筛剂的生产能力大幅提高,药店和社区的供应也大幅增加。

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快筛剂免费领 自购保险也付

世界新闻网

01/15/2022

位在蒙特利公园市附近检测站,每天提供的家用快筛剂有限。(记者谢雨珊/摄影)

Omicron变种全美肆虐,人心惶惶,居家快筛剂被疯抢缺货。白宫日前宣布将私人健康保险业者纳入拜登总统的抗疫计划中,自1月15日(周六)起,民众可在药店或电商购买居家快筛检测盒后,拿收据向健保业者报销快筛费用。此外,拜登政府14日宣布,从1月19日(周三)起,美国居民可以预订「免费新冠居家快筛检测剂」(Free at-⁠home COVID-⁠19 tests)。每户可上官网 (COVIDTests.gov)下单,领取最多四套快筛剂;洛杉矶县政府也展开了一项「免费领取快筛剂」项目。

多数持有私人保险的美国居民都可上网或到药局购买居家快筛检测剂,民众需保留收据并向保险公司报销,这项购物清单并不占用任何保险的挂号费/共付额(copays)或自付额(deductibles)。不过每家保险公司有指定的药局或电商等,民众只要遵循保险公司指示,即可顺利报销快筛费用。然而,若民众在保险公司未指定的贩售商采买居家快筛剂,每套快筛剂保险公司最多只能报销12元。但民众在购买前,不需要事先询问医护人员或家医,也不需要医生的处方签。相关详情可自行致电自家保险公司询问。



根据巴沙迪那星报指出,每人每月最多可报销八套快筛剂,也就是说,一家四口一个月内,最多可报销32套快筛剂。近期已有人提前抢购快筛剂,他们询问日前购买的快筛剂是否也可以向保险公司报销?答案是不行。根据相关规定,只有1月15日开始,民众采买的快筛剂才可以按照规定向保险公司报销。

只要是在由医护人员申请的新冠检测,持有Medicare的投保人都不需付费,但建议民众先致电确认。Medicaid及Children’s health insurnace program的保险计划中,也已包括了购买居家快筛剂的费用。至于没有保险的民众,可在某些社区中心取得免费快筛剂,也可在网上申请联邦政府提供的免费居家快筛检测剂。对于联邦政府所提供的免费快筛剂,民众可于1月19日起上网预订,根据白宫的说法,下单的居家快筛剂一般会在7至12天内送达。民众若在19日下单,最快可在1月底拿到快筛剂。政府也将开通一组电话号码,服务那些无法上网的民众。



为解决居家快筛剂短缺的问题,许多地方政府也推出免费快筛剂措施。例如:洛杉矶县政府日前展开一项 「免费领取快筛剂」的项目,在洛县各处设置的13处检测站,开放民众免费领取家用快筛剂。只要是认为自己可能染疫,或者自认曾接触过染疫者的民众,均可前往这13处检测站,排队领取免费快筛剂。

蒙特利公园市附近一个检测站的人员表示,每天提供的家用快筛剂有限,几乎每天上午7时或8时就吸引一大堆人排队,等着拿免费快筛剂,不到一小时就一扫而空。另方面,领取快筛剂的民众必须当天做检测,当天将检测剂投回位在检测站旁的桶子,检测站一并收回实验室,大约24小时至48小时,民众通过Fulgent Genetics检测中心的电邮得知检测结果。洛县13处提供免费快筛剂的检测站名单,请查找https://covid19.lacounty.gov/la-county-pick-up-testing-kit-program/。

Omicron变种全美肆虐,居家快筛剂被疯抢缺货,但现在已有诸多方式可以拿到居家快筛剂。(本报档案照)

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免费新冠家用快筛检测剂 1月19日起上网预订

世界新闻网

01/14/2022

美国居民1月19日起可以预订免费新冠居家快筛检测剂。(AP图片)

拜登政府14日宣布,从1月19日 (周三) 起,美国居民可以预订「免费新冠居家快筛检测剂」(Free at-⁠home COVID-⁠19 tests)。每户可上官网 (COVIDTests.gov)下单,领取最多四套快筛剂。政府单位也将开通一组电话号码,服务那些无法上网的民众。白宫指出,下单的居家快筛剂一般会在7至12天内抵达。这也意味着,民众若在19日下单,最快也要等到1月底才能拿得快筛剂。


How to order free at-home COVID-19 tests
Jan 14, 2022

Yahoo Finance’s Anjalee Khemlani details the latest about the coronavirus pandemic and how Americans get receive free home test kits for COVID-19 after an announcement from President Biden.


预订免费居家快筛剂的民众,必须在下单时提供姓名及电子信箱,届时可通过电邮信箱追踪快筛剂订单。操作这项计划的国家数字中心 (U.S. Digital Service) 表示,已经准备好了。为了运输畅通,美国邮政署(USPS)也准备好运送快筛剂,并计划聘用7000名临时工协助运行计划。截至1月14日为止,拜登政府已购入5亿份居家快筛剂,免费提供给美国居民,白宫也计划在接下来几周,开始提供高品质的免费口罩。白宫12日也承诺,每月将免费提供各500万套新冠病毒快筛与核酸(PCR)检测试剂给全国K-12学校,保障学校开放及面授教课的安全。

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居家检测盒 健保每人每月免费8套…月底联邦推新网站 发5亿套

世界新闻网

01/11/2022

马里兰州开始分发家用新冠检测盒,图为快速检测盒。(欧新社)

拜登政府10日宣布,从15日起,私人医疗保险公司每月须为每位投保消费者提供最多八套新冠病毒居家检测盒;美联社报导分析,疫情升温令民众备感挫折之际,拜登政府这项措施旨在降低成本,且让病毒检测变得更加简便。


Free at-home COVID tests: Reimbursement details, monthly limits
Jan 11, 2022

Starting Saturday, private health insurers will be required to cover up to eight home COVID-19 tests per month for people on their plans. The Biden administration announced the change Monday as it looks to lower costs and make testing for the virus more convenient amid rising frustrations.

Under the new policy, first detailed to the AP, Americans will be able to either purchase home testing kits for free under their insurance or submit receipts for the tests for reimbursement, up to the monthly per-person limit. A family of four, for instance, could be reimbursed for up to 32 tests per month. PCR tests and rapid tests ordered or administered by a health provider will continue to be fully covered by insurance with no limit.


「这是我们整体策略的环节之一,希望尽快让民众免费取得使用方便的居家检测盒。」卫生部长贝西拉(Xavier Becerra)发表声明指出:「我们要求私人保险公司必须承担投保民众的居家检测开销,等于扩大民众在有需要的时候取得免费检测的能力。」

根据拜登政府新规,民众可以通过私人保险免费购买居家病毒检测盒,或者提供购买病毒检测盒的收据向保险公司申请费用报销(reimburse),只要数量不超过每月限制即可。以四口之家为例,每个月最高可申请报销32个病毒检测盒。



核酸检测(PCR)以及医疗机构规定并进行的快筛,全数费用则将由保险公司承担,没有上限。

年底假期期间,许多民众为与亲人团圆而出远门,由于正值Omicron变种病毒迅速扩散之际,市售居家病毒快筛检测盒严重缺货,拜登总统因此受到舆论检讨。美联社报导,拜登政府现正设法通过提高供应量及降低价格,让病毒居家检测盒变得取得容易。

‘Bit more hope’ | Pearland father among 200 million Americans whose insurance will cover cost of 8 at-home COVID tests

报导指出,到了本月底,联邦政府还将推出新网站,通过电子邮件开始发送5亿份居家病毒检测盒;在目前确诊案例增加速度最快的几个地区,联邦政府也将加快脚步设立新冠病毒快筛紧急检测站。

美联社分析,费用由保险公司承担的病毒检测盒,将让民众省下可观花费,联邦政府则希望当居家病毒检测盒变得更加普遍之后,病毒传播速度将可因此趋缓,进而达到让学童早日返回校园上课、民众得以安全群聚等目标。



白宫发言人莎奇(Jen Psaki)10日在新闻简报会上表示,联邦政府为民众免费提供的病毒检测盒,未来几周就会寄送到府。

她说,根据联邦政府与包商签订契约,病毒检测盒配送作业时间必须迅速确实,「第一批最快可望下周便可寄达」。


Insurance companies to start covering at-home COVID tests this weekend
Jan 11, 2022

Americans will be able to either purchase home testing kits for free under their insurance or submit receipts for the tests for reimbursement, up to the monthly per-person limit.


莎奇说,未来两周内包商将把所有病毒检测盒寄出,民众到了月底便可以在网上预订后续的检测盒;她指出:「更多细节将于网站上公布,我们本周也将成立电话服务专线。」

马里兰州开始分发家用检测盒,图为蒙哥马利郡图书馆人员与义工正在准备分发。(欧新社)

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大量民众检举诈骗 新冠病毒免费快筛公司遭调查

世界新闻网

01/11/2022

图为美国一处检测站外的标示。示意图。(美联社)

新闻周刊(Newsweek)报导,以「新冠病毒管制中心」(Center for Covid Control)为名的私人公司,号称在全美各地设有300个据点,为民众提供免费、当天可获得结果的快筛检测,但美国经营改善协会(Better Business Bureau,BBB)在收到大批民众的诈骗检举之后,已经启动调查。「新冠病毒管制中心」在美国经营改善协会的评分,如今已降为代表极为差劲的「F」。


Some ‘free COVID testing’ could be a scam designed to steal your identity
Dec 28, 2021

“They want you to fill out paperwork that [has] your name, your address, your birthday, all of your health insurance information,” said Liz Coyle with Georgia Watch.


「新冠病毒管制中心」网站写道,合作实验室领有执照且获美国疾病管制暨预防中心(CDC)认证,却未说明实验室名称。「新冠病毒管制中心」的推特帐号成立于2021年3月,追踪粉丝仅82名, Instagram帐号以「免费病毒检测」(freecovidtest)关键词发文,但网友回应多半是指责「造假」(fake)或「诈骗」(scam)。



美国经营改善协会网站则有民众投诉指出,前往「新冠病毒管制中心」接受病毒检测之后,从来不曾收到检测结果,这家公司成立目的疑似专门用来行骗。有民众写道,三周半之前接受检测,迄今未收到结果,也有民众指出,接到的检测结果日期根本不正确,「对这家公司感到高度怀疑」。

美国经营改善协会网站明尼苏达州及北达科他州办公室发言人说,已经与芝加哥及威斯康辛州的办公室联手,针对「新冠病毒管制中心」公司展开调查。


COVID Scam Alert: Governor Pritzker, Better Business Bureau warn of fake pop-up testing sites Jan 5, 2022

Beware of fake COVID-testing sites. You should not be charged or asked for personal information like your social security number, said the Better Business Bureau.


31岁明尼阿波里斯(Minneapolis)妇人克莉丝汀娜‧韦伯(Christina Weber)日前接受今日美国报(USA Today)访问时说,到「新冠病毒管制中心」公司的社群媒体帐号留言,抱怨迟迟没有收到检测报告之后,便收到电邮通知说检测结果为阴性,但她在前往「新冠病毒管制中心」检测地点接受病毒检测的同一天,还到另一个检测站接受检测,后者出炉结果为阳性。

韦伯说:「我很生气,也担心他们如果一直发送造假的阴性检测结果,可能害死人。」

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纽约爆多宗加密货币投资骗局 华男遭骗数十万元

世界新闻网

12/27/2021

班森贺华社日前又发生多起与加密货币投资骗局相关的案件。(本报档案照)

布碌仑(布鲁克林)班森贺华社日前又发生与加密货币投资骗局相关的案件,至少两名华人中招,且损失金额巨大;据警方数据,一名华男因轻信陌生人的话,将39万元积蓄放入对方推荐的交易户口中,不久后钱全部不翼而飞,至今讨不回来。

市警62分局纪录显示,报住在23大道交88街的64岁华男于本月16日到警局报案,他在11月26日网络上结识一名男子;对方不断游说投资加密货币已成为现在最赚钱的方法,推荐他开始投资,而自己能从中协助。



华男表示,对方帮他设立一个叫「比特币钱包」(Crypto Wallet)的交易帐户,原本没有行动,但在对方再三保证下便投入资本;他将39万元积蓄放入户口中,几日后检查时发现余额归零,急得他马上联系对方,但已惨遭拉黑。

第二起案件中,报住在西1街交17大道的40岁华女,于本月1日在微信上结识一名自称居住在旧金山的男子,两人几周以来传信息聊天,直到对方透露自己是名投资顾问,可帮助其通过投资加密货币赚钱。

华女深信不疑,将一笔10万8000元的款额电汇给对方,同时在一个名为CKCOIN的应用程序开了一个帐户;可不久后该帐户遭封锁,她联系对方时,男子表示需再注入3万元资金才能激活。



这时受害者相信自己已遇上骗徒,未继续汇钱,而是将数据交给警局处理;这两起案件被骗的数额都很大,目前警方已介入调查,但始终没有进展。

当地警员曾表示,手机和网络诈骗在华社最为频繁发生,损失的数额从几百块到数十万元不等,警方多次提醒也未能起到防范作用。

在社区安全讲座中,警员提到很多骗徒采用「杀猪盘」手法与受害者套近乎,获取信任后游说他们进行投资,结果一步步让其掉入陷阱中;要谨记「天下没有白吃的午餐」,如果对方提出的建议很诱人,说明有问题,民众若无法自行判断,一定要求助身边的人再三确认。

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经中间人兑换本票 华人被跳票逾50万元

世界新闻网

12/14/2021

华人购房通过中间人兑换本票被跳票,总损失超50万元,无奈求助华人社团。(记者张晨/摄影)

布碌仑(布鲁克林)近日有数名华人因买房或其他之需而通过中间人兑换银行本票(Cashier’s Check),不料却遭遇跳票,其中仅通过同一个中间人兑换的银行本票就有51万元被跳票。

数名受害者日前到美国亚裔社团联合总会求助,据陈氏夫妇讲述,因要购置房产,所有通过朋友介绍认识了以现金兑换银行本票的中间人张某,在将5万元现金交给对方后,于11月24日拿到本票,但因第二天是感恩节,他们在26日才前往银行,但不料再查帐户时发现跳票。



受害者石先生表示,他也是通过中间人张先生兑换了近2万元本票,然后在感恩节前后通过银行的ATM机存入,随后也遭跳票。

中间人张先生也场,他表示,自己至多从中赚取一个百分点,此次他是通过一名居住在新泽西州李堡(Fort Lee)的一华裔男子去当地银行兑换的本票。

张先生说,为保险起见,他还专门安排了一名司机带着45万元现金亲至李堡的银行,当面看着那名华裔男子将钱兑成本票并清点清楚后,才带着本票回到布碌仑。

据张先生称,在跳票后的第二天他即请律师前往银行查问,被告知那名男子随后又持身分证件回到银行要求撤销本票,导致这些本票跳票。



律师斯科拉里(Lisa Scolari)对此表示,受害者被骗后应第一时间向警方报案,另外因这些本票是跨州兑换,该案已涉及违反联邦法律,受害者还应尽快向联邦调查局(FBI)等部门举报。

斯科拉里还表示,若这些本票为真,银行不可能停止支付,因每张本票是由银行担保、以银行自有资金开具并由出纳员签署;因此不存在购买者第二天持证件又返回要求银行撤销的现象,除非这些本票为假才会跳票。

亚总会会长陈善庄表示,该案受害者至少有十几名,有的个人损失高达11万元,共计金额已经超过了50万元;但至今部分受害者选择不报警,怕税务局查税;但骗徒正是利用了这一点,他呼吁更多受害者站出来,配合调查。

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藉耶稣基督之名圈钱 德州诈骗客被判关到死

世界新闻网

11/04/2021

现年80岁的威廉嘉勒格势必在牢里度过余生。(Dallas县警局)

北德州一名基督教广播电台节目主持人,经营庞氏骗局(Ponzi scheme)大约十年后露馅,他于1日(周一)被法官判处第三个终身监禁。

现年80岁的威廉嘉勒格(William Gallagher),其实从2019年3月被捕后一直都待在监牢中,他因为同样的诈欺行为已被达拉斯法院判处25年徒刑,德州法院也已判了他30年。2019年8月,泰伦特县(Tarrant County) 法院对他提诉,这次的审判庭是为福和市一带的受害者讨回公道。

嘉勒格在一家基督教广播电台担任主持人,他每次节目收尾时,总说「星期天教堂见」(See you in church on Sunday),这成了听众百听不厌的口头禅,他还出版理财的书籍,譬如有一本名叫「耶稣基督,金钱大师」(Jesus Christ, Money Master)。他所成立的嘉勒格财务集团(Gallagher Financial Group)在电视台做广告,有许多年长者相信他是虔诚的基督徒,绝对不会骗他们的钱。



泰伦特县检察官办公室年长者财务诈欺小组(Elder Financial Fraud team)的组长萝莉瓦内尔(Lori Varnell)指出,这是她执法多年来所看到的最恶劣案例,嘉勒格在各教会的周日集会中与教友接触,这些已退休人士把钱交给他投资,少的有几万元,多的有60万元,最后却血本无归,有些人必须卖房,有的人跟子女讨钱过生活,有些人重回职场上班赚钱,他们损失的金钱总数达3200万元。

1920年代,查尔斯庞济(Charles Ponzi)在波士顿为他的投资公司做广告,宣称有丰厚的报酬率又没有风险,他把新投资人的钱拿来付老投资人的年度利息,经过几年名声越来越大,收到的资金越来越多,但庞氏骗局终究有爆发的一日,投资人失去资本,诈骗者入狱服刑,这种骗术如今就是以他为名。

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Zelle scammers bilk bank customers out of thousands — how to avoid them

By Paul Wagenseil

9/03/2021

Scams involving Zelle payment service still happening

(Image credit: Tada Images/Shutterstock)

Two Chicago-area women say scammers bilked them out of $3,500 each by conning them over the phone and then using the Zelle mobile-payment system to withdraw money from their Bank of America accounts.

“It’s really distressing,” one of the women, Nausheen Brooks, told TV station WLS. “You save your hard-earned money to just be taken away from you.”

The scammers texted Brooks and the other woman, Darlene Chelsey, pretending to be Bank of America and asking them to verify purchases. Both women denied making the purchases in question, and then were called by persons claiming to be bank representatives. The scammers used what appeared to be legitimate Bank of America phone numbers.

The women were each told that there had been Zelle withdrawals from their accounts, but that the problems could quickly be fixed if they used their own mobile banking apps to transfer the money back to themselves. 


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Brooks and Chelsey both did so, and the money disappeared. It seems that both their Zelle accounts had already been taken over by the scammers.

“They definitely had access to the account if the money was wired to herself,” Bogdan Bodezatu, a threat researcher with Bitdefender, told WLS. He added that the scammers may have gotten access to the accounts due to data breaches at other websites, which can compromise reused passwords

How to avoid Zelle scams

Avoiding Zelle scams is like avoiding many other online scams. Create strong, unique passwords for any account that involves money, especially banking accounts, and use one of the best password managers to keep all of them straight. 

Don’t trust anyone who calls or texts you and wants you to perform a financial transaction, even if that person appears to be from your bank. Instead, call the bank yourself using a number that you look up.



Don’t give out one-time-use verification codes to anyone, even if they claim to be from your bank. And again, never reuse passwords for sensitive accounts.

Years of Zelle scams

Sadly, this is not a new occurrence. Zelle-based scams have been happening for years — we first wrote about them in April 2018. 

The earliest scams involved crooks getting people to pay for non-existent items through Zelle, then discovering they couldn’t get their money back because unlike with a credit-card, the money is withdrawn immediately from your bank account.

Later, people who’d never even signed up for Zelle were scammed out of thousands of dollars by crooks who set up accounts in their names and drained their bank accounts

That’s because Zelle is owned by seven of the largest U.S. banks, including Bank of America, and used by hundreds more banks. Anyone who has an account with those banks is eligible for a Zelle account, and many banks build Zelle right into their own mobile apps.

These most recent scams seem to involve persons whose accounts have already been hijacked, perhaps through password reuse. (If you use a password on more than one account, then a compromise of any one of those accounts compromises them all.)



Why Zelle is vulnerable

The real problem is that Zelle uses email addresses and phone numbers to identify account holders, and neither was ever designed to be foolproof. Both email addresses and phone numbers can be easily “spoofed” by cheap software. 

Many banks do text a one-time code to customers to verify certain transactions, yet not only can text messages be intercepted, but scammers can con customers into revealing texted codes.

Another issue is that Zelle has direct access to bank accounts. Venmo, which is not affiliated with the banks, makes users create a separate account that is linked to a credit card or into which the users deposit money. This creates a buffer between Venmo transactions and their bank accounts.

We’ve reached out to Zelle to ask if the company has made any security improvements in the past three years, and whether Zelle would consider setting up a “staging” account to act as a buffer, similar to the way Venmo operates. We’ll update this story when we receive a response.

In the meantime, one thing does appear to have changed: Both Brooks and Chelsey had their $3,500 losses covered by Bank of America. That’s a better outcome than some of the earliest Zelle scam stories, in which the victims were essentially told by the banks that they should have read the fine print. 

That fine print, by the way, still says that the bank isn’t legally liable if you transfer money via Zelle to the wrong people. 



Update: Zelle responds

In response to our inquiries, Zelle provided this statement.

Phishing Scam: This is an example of a phishing scam where the scammer spoofed the Bank of America phone number and attempted to convince the individual to provide their personal information, not a breach of Bank of America or Zelle security. 

We’d like to remind consumers that your bank will never call you to ask for sensitive information and they would not ask a customer to transfer funds between accounts in order to prevent fraud. Hang up and call your bank at the phone number listed on the back of your bank-issued debit card or on the bank’s official website if you must provide information over the phone.

In-App Notifications: When consumers send money using Zelle within their mobile or online banking experience, they are sending money directly from their bank account to another person’s bank account, typically within minutes when both users are already enrolled. 



When sending money there is a final prompt requiring the sender to confirm the mobile number or email address being used and that it belongs to the intended recipient. This prompt provides the first name of the person who the mobile number or email is enrolled to and an alert that the payment cannot be cancelled once sent.

Consumer education: Zelle is working to address an acute need for financial education. Through our Pay It Safe initiatives, we have partnered with organizations to offer free financial education to consumers through modern banking courses and consumer protection resources. 

Through a strategic partnership with EVERFI — the leading social impact education technology company — we have reached more than 60k students in 47 states. Results show that high school students achieved a 39% average knowledge gain after taking the Zelle Money Moves: Modern Banking & Identity Protection course. 

In addition, we are working with Cybercrime Support Network to spread awareness and educate consumers and small businesses on avoiding financial fraud and scams.”

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