with each procedure and each battle, the kelsey's face the new fight. more paperwork, stacked on more paperwork, another appeal and another appeal in that one point doreen told me that she had to appeal all the way to the state insurance regulators just to get a corrected explanation of benefits, the paperwork, formed from her insurance company. and she told me they had to borrow thousands of dollars to pay doctors while their claims were tied up in what seemed like an endless appeals process, the paperwork mr. president. the kelsey's insurance now cost more than their mortgage and they are constantly worried that tony's employer could drop the coverage. now, thankfully she told me that tony is successfully working hard to battle his cancer and doreen in the meantime has successfully been battling her insurance company but this is and how our system should work mr. president. and when we passed the bill in front of the senate we are debating on, it won't be, so let me tell all of you and the kelsey's how are bill will help them. first of all, our bill e

president, beside me is a photo of a woman named doreen kelsey. in front of her is a stack of papers. those are hundreds upon hundreds of pages and forms and rejection letters and appeals and denials from her insurance company. these are pages that have taken hours and hours to fill out and that have stood between doreen's husband and the care that he desperately needed. you know, i met doreen at a roundtable i hosted in august in spokane, washington, in my state. she told me she is self-employed and isn't able to purchase her own health insurance because she has a pre-existing condition. now, luckily, she and her family have health insurance coverage through her husband tony's employer. now, doreen told me that she and tony thought their family had good insurance coverage, but when he asked for a colonoscopy, they soon discovered the lengths to which insurance companies will go to deny, to delay, and dispute the care that families like kelseys assume were included in their coverage. their insurance carrier told them that before they would pay for

i mentioned kelsey seabold in houston, texas. private-sector innovators have been doing this through the medicare advantage program already. the delivery system reforms in the reid bill would allow medicare to experiment with different approaches to changing physician incentives such as accountable care organizations or physician quality reporting initiative. will they work? well, i happen to think they will. but we do know that private-sector innovators have already figured out how to change physician incentives in the sorts of ways that we really ought to be doing more of and not punishing by cutting medicare advantage. one medicare advantage plan health spring serves 20,000 seniors in my state. they have been a leader in changing the incentives for physicians to focus on quality rather than quantity. i met with their leadership and heard how they've done it. what they've knolled me is they're -- told me is they are a collaborative partnership with their physicians. they call it partnership for quality. physicians are accountab

the cardinal are assisted by bobbie kelsey and kate paye.coach of the cardinal, tara vanderveer. >> jim: a huge following on the peninsula. stanford university, 7,233, and they're still trying to find some seats. we told you the history goes back to 1989, and tennessee has the upper hand including 13 of the last 14. tennessee also won last year's meeting in knoxville, but that one went overtime, 79-69. overtime seems to be a theme. two years ago here at maples pavilion, these two clubs went overtime again. stanford won that time. 73-69. the series dates back to 1989, the very first meeting, stanford won by 14. afterwards pat summitt after losing addressed the stanford booster club because tara vanderveer asked her to, and that's who pat summitt is. she lives up to her word. standing room only. two undefeated teams. jayne appel, pac-10 player of the year, leads number two, stanford, against kelley cain, glory johnson, pat summitt, undefeated, number three, tennessee, and here we go. tennessee quiets the crowd by winning the tip. >> mary: it w

. >> reporter:he dyes have four children, six year o morgan, fi year old avery, three year old kelsey, and the-month old presn. >> he hasn't been able tsee his son yet. he was born in septemb and the opportuny arose that we could send him a picture of oufamily and let him know tt we're doing well back here >> bring it up a ltle higher, look at me right here reporter: mrs. dye, herself an army reserve mar, says the fami works hard to cope with the long separatns. >> little thin, we've made dolls of daddy that ey get to hug and sleep witht night, they're lled their daddy dolls. let th do a project and be able to mail to daddy, this like that. so we do what can to help the kids stay inouch with him and have the feelings d know that he miss them and that they miss him and that it's ok miss him, but we go onith life and keephem busy and everything else. >> thais it, we have got it done. woo. that's an ercise. >> reporr: over 400 volunteer photographers in5 states started king these portraits in september. e industry group estimates that as many as 4,000 famies took part. the pictures wl be

joel kelsey, consumers union. my apologies. okay.those in the audience, if you have a question for any panelists write it on a question card, it will be collected by one of the staff circulating. for those listen, e-mail questions to privacyroundtable at ftcgov. we'll talk about a number of studies during this panel. those are available on the agenda as pbs links. if you want to explore the issues in more detail you're certainly welcome to find those materials there. i would like to throw out a general question, what do consumers know about data flows and the collection and uses of their personal information both online and off-line? and, joe, why don't we start with you, because, what i would like to do is have each of you talk at a high level about the various studies and research that you've done, and what you're findings are on this point. >> thank you. yeah, i at a very high level, the reports variable. also national surveys over the last 10 years and some starting from 2003 i believe have data about what americans know. so it i

kelsey who was the secretary of the royal geographics decided the time one of the most acclaimed geographers said what is there? no one knows. and the area remain so on explored that peru, bolivia and brazil didn't even know where their borders were in the interior of the amazon so they needed somebody to come in and try to figure out where they were, so they ask the royal geographical society of the heather representative, and they sent percy fawcett. fawcett quickly agreed saying it was his destiny and of the went to this area. for the next several years, he mapped rather an enormous amount of space and hopefully this can give you some sense of the area in which he was exploring. this traces various expeditions. over here is the livia. peru is up here and over here is brazil and this is just a vast territory. his first expedition, what they would do is take pack animals and come over the andes, often their pack animals with a falloff of the ravines. they would come from severe cold. they would go to 17,000 feet up and slowly descend deeper into the jungle. the first exhibition heading out

. >> finally, joel kelsey. he is a policy advocate -- policy analyst. he worked as an outreach director for the new york public interest research group. we thank you all for appearing. after each of you give your testimony, we will proceed to ask questions. will all rise and raise your right hands and repeat after me? do you affirmed the testimony you are about to give is the truth, the whole truth, nothing but the truth so help you god? >> thank you. >> good afternoon, chairman. thank you for the gracious introduction. i appreciate your opening comments. the subcommittee's concern about text messaging is based on an overly narrow focus on the trend of a single pricing option for text messaging services, paper used. ppu refers to the charge for individual messages when customers purchase them individually. the current price is about 20 cents per message. that rate increase a little over one year ago, in march of 2008. it has been quite a while since those rates changed. the vast majority of at&t customers do not choose that pricing option. that does not

joel kelsey. are there other areas that consumers are particularly concerned about or sensitive about the use of their information or disclosure to others? >> i think financial and health is absolutely the top two but i wanted to go back to actually if consumers understood the true difference between first party and third party data collectors, would their behavior change? one of the things we found is that they are absolutely aware that companies are tracking their behavior online. they are uncomfortable with it. they take steps to protect anonymity. we found they do that and that cost-benefit analysis in their head leads them to a particular choice. largely also because they are confident that there is some kind of government protection if the data collected by them or used by them goes too far. i think i would ask ask the question in a different way. what would consumer behavior look like if they knew what third parties were able to do with their data, financial transactional information, prett

when i was at kelsey sebold clinic, they told me it is medicare advantage which allows them to be ablecoordinate care to hold down costs to keep people healthier longer. yet, the irony to me, it seems that by cutting medicare advantage benefits is we are going backward rather than forward when it comes to that kind of coordinated less expensive care. would you concur with that? mr. barrasso: i would concur this is taking a step backward. that is why the senator from florida demanded they make accommodations for people of florida. the people of america, 11 million americans who have chosen the medicare advantage program because it does help coordinated care, it goes with preventive care, it keeps it more patient-centered as opposed to government-centered, that is the way for people to stay healthy, live longer lives. we've seen cuts across the board on home health care, whether it's hospice care, they're across, they're cutting. the seniors across the country do not deserve. they paid into the program for many years and deserve their benefits. mr. alexander: one other thing, we've talke

joe, kelsey, the consumers union. bias -- my apologies.for a panelist, right in on a card and it will be collected by the staff. those of you listening can e- mail us. we will be talking about a number of consumer surveys and studies during this panel. those are all available on the agenda. so, if you want to explore these issues in more detail, your welcome to find those materials there. i would like to throw out a general question. what do consumers know about data flow in the use of their personal information, online and offline? joe, we should start with you. i would like to have each of you talking about various research that you have done in your findings. >> at a high level, as you said, there have been national surveys over the last 10 years. some of those studies have data about what americans know. it is not just their opinion. it is fair to say that generally speaking they know very of little about what goes on under the hood and online. the kinds of things that they do not know what surprised many people around here. particular

when i was at kelsey clinic in houston, texas, they told me it is medicare advantage which allows themble to coordinate care to hold down costs to keep people healthier longer, yet the irony, to me it seems, that by cutting medicare advantage benefits is we are going backward rather than forward when it comes to that kind of coordinated, less expensive care. would you concur with that? >> well, i would concur that this is actually taking a step backward, and that's why the senator from florida has demanded that they make accommodations for the people of florida. people of wyoming want those same accommodations as arizona and texas because the people of america, 11 million americans who have chosen the medicare advantage program because it does help coordinate care, it goes with preventer care -- preventive care, it keeps it more patient-centered, that is the way for people to stay healthy, live longer lives, keep their independence. i mean, we've seen cuts across the board on medicare whether it's home health, whether it's nursing homes, hospice care, medicare advantage. across the boa