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FraudAlert!
Helping keep the promise.
April 2015  Volume 18, No. 9
 Coalition of Wisconsin Aging Groups Elder Law Center
From the Project Director. . . . . . . Kevin Brown
Check out our website at www.wisconsinsmp.org
Let’s Get Acquainted
By Judy Steinke, Wisconsin SMP Volunteer Coordinator
Wisconsin SMP (Senior Medicare Patrol) is delighted to
introduce Judith Joslin-Crary of Beloit as this month’s featured
volunteer.
Judith was a dedicated AARP Fraud Fighter until that program
ended in 2012, when she decided to join Wisconsin SMP to
continue sharing the message of fraud prevention with seniors.
Since she joined, she has given numerous presentations and
provided outreach at many events in Rock and Dane Counties.
Prior to retirement, Judith was an insurance specialist for St.
Mary’s/Dean Ventures. She has an Associate Degree in
Personnel Management and has also worked in the medical field
as an aide, in medical records, and with Worker’s Comp.
When asked why she volunteers, Judith’s response was: “I love
helping people, especially seniors.” She is happy to be retired
and have the time to help others. This is proven by the list of
organizations that she is currently involved with: her church
(with Hands of Faith and as an Elder); the Beloit Domestic
Violence Shelter; Beloit Caritas; the Girl Scouts; Habitat for
Humanity; and AARP (as an AARP Advocate).
Judith is married and has three adult children and five
grandchildren. She also has four adult step-children and five
step-grandchildren. When not helping others, Judith’s hobbies
include beading, traveling, reading, and visiting her family
members.
Thank you, Judith, for your dedication to helping others.
Wisconsin SMP is very grateful to have you on our team!
FRAUD ALERT! ● Coalition of Wisconsin Aging Groups Elder Law1 Center
Wisconsin SMP
In this issue:
Let’s Get Acquainted with Judith JoslinCrary, SMP Volunteer
Get Into the Act/Become a Wisconsin
SMP Volunteer
Aetna Fined $1 Million for Listing
Pharmacies Incorrectly
AIDS Healthcare Foundation Accused
of Medicare and Medicaid Fraud
WI BBB News Release
New Medicare Cards to Omit Social
Security Numbers
DATCP Consumer Alert
CFPB: “Phantom” Debt Collection
Scheme Targeted Millions
DOJ News Release
Upcoming Wisconsin SMP Activities
Published and distributed by the Coalition of
Wisconsin Aging Groups Elder Law Center. This
project was supported, in part by grant #90MP0187,
from the U.S. Administration for Community Living,
Department of Health and Human Services,
Washington, D.C. 20201. Grantees undertaking
projects under government sponsorship are
encouraged to express freely their findings and
conclusions. Points of view or opinions do not,
therefore, necessarily represent official
Administration for Community Living policy.
EDITOR AND PROJECT DIRECTOR
Kevin Brown
This publication may be reproduced ONLY in its
entirety. Permission to excerpt portions must be
obtained prior to use.
© 2015 CWAG. All rights reserved.
2850 Dairy Drive
Madison, WI 53718-6742
608-224-0606
www.cwag.org  [email protected]
Get into the Act/Become a Wisconsin SMP Volunteer
By Kevin Brown, Wisconsin SMP Project Director
Each May, the Administration for Community Living (ACL) celebrates Older Americans Month to
recognize older adults for their contributions to our nation. The theme for Older Americans Month
2015 is “Get into the Act,” to focus on how seniors are taking charge of their health, getting engaged in
their communities, and making a positive impact in the lives of others.
The SMP (Senior Medicare Patrol) program has recognized the great value that older adults bring to
our communities for a long time. There are more than 5,000 hard-working SMP volunteers who make
presentations to groups and distribute materials at community events across the nation to educate
Medicare beneficiaries, caregivers, and professionals about how to prevent, detect, and report
healthcare fraud, waste, and abuse. These volunteers, most of whom are retired professionals,
contributed over 105,000 hours of their time in 2013 to support the SMP program.
Wisconsin SMP’s dedicated volunteers contributed nearly 553 work hours to our program last year.
We have an excellent group of volunteers, but we are always looking for new ones so that we can
spread our message of fraud prevention to more people around the state. On May 14, Wisconsin SMP
will be hosting a workshop for new volunteers from 9:30 a.m. until 4:00 p.m. at the Platteville Public
Library. We also will be conducting SMP volunteer trainings in other parts of the state in the summer
and fall.
The Wisconsin SMP Volunteer Training is an in-depth workshop that provides participants with a
foundation of knowledge in four main areas: the SMP program, Medicare basics, and Medicare fraud,
waste, and abuse basics; and common scams and fraud within specific Medicare services. If you
would like to attend one of these sessions, please contact Wisconsin SMP Grant Manager/Trainer Will
Armstrong at (800) 488-2596, ext. 311 or [email protected].
To learn more about upcoming activities and events planned for Older Americans Month or to find
ideas about other things you can do to “get into the act,” go to ACL’s Older Americans Month website
at www.acl.gov/olderamericansmonth.
Aetna Fined $1 Million for Listing Pharmacies Incorrectly
On April 2, the Centers for Medicare & Medicaid Services (CMS) fined Aetna $1 million for
erroneously listing 6,887 pharmacies as in-network when they should have been listed as out-ofnetwork. According to CMS, Aetna listed these pharmacies as in-network for 2015 on its website, and
the company’s customer service representatives relayed this incorrect information to consumers.
“Beneficiaries that selected a plan based on its in-network pharmacies may have been misled by this
incorrect information,” wrote Gerald J. Mulcahy, director of CMS’ Oversight and Enforcement Group,
in a letter to Aetna. “The confusion created by errors in Aetna’s pharmacy network directory on their
website led to disruption in the marketplace,” wrote Mulcahy. In early 2015, many Aetna customers
went to a pharmacy they had been told was in-network “only to discover that the pharmacy was not in
their plan’s network.”
Thousands of consumers complained about Aetna’s prescription drug plans. CMS received 3,767
complaints against the company, which was five times greater than the average for all insurers that sell
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Medicare Part D plans. The complaints against Aetna accounted for 33 percent of the total complaints
CMS received. Medicare officials granted Aetna beneficiaries a special enrollment period so that they
could drop their plans and re-enroll in a Part D plan offered by a different company.
Aenta spokeswoman Kim Marcocci said, “Unfortunately, a select number of pharmacies were listed
incorrectly in participating in some of Aetna’s Part D pharmacy networks. These issues were swiftly
resolved, and the majority of pharmacies and our members were not affected by this situation. We
strive to provide our members high quality coverage, with high satisfaction, at the best value, and take
this matter very seriously.”
Source: Hartford Courant (April 7, 2015)
AIDS Healthcare Foundation Accused of Medicare and Medicaid Fraud
According to a lawsuit filed in federal court in South Florida, the AIDS Healthcare Foundation (AHF)
allegedly bilked Medicare and Medicaid out of $20 million dollars in 12 different states. Three former
managers of the AHF, which is the largest supplier of HIV and AIDS medical care in the nation, allege
that the company gave patients and employees kickbacks for patient referrals. Employees were
allegedly given $100 bonuses for referring patients with positive HIV and/or AIDs test results to its
medical facilities. According to the lawsuit, the kickbacks began in the company’s headquarters in
California and then spread to several of its other locations across the country.
At a 2013 leadership summit for the company, AHF President Michael Weinstein extolled referral
kickbacks. The lawsuit alleges that Weinstein specifically directed staff to increase the patient referral
bonus to $50 and to implement the referral incentive program across the country.
Tom Myers, the AHF general counsel, denied that any kickbacks were paid and claimed that no laws
were broken. He said that the company would fight the lawsuit and continue to provide care to
thousands of HIV and AIDS patients throughout the country. “The federal government and the state of
Florida had a chance to deal with this case … and they declined to get involved which I think speaks
volumes to the merits of the claim,” said Myers.
Jack Carrel of Louisiana, Mauricio Ferrer of Florida, and Shawn Loftis of New York, are the exmanagers who filed the whistleblower complaint. They were fired from the company after informing
their supervisors about the alleged illegal kickbacks, even though their attorneys said they should have
been protected under the False Claims Act.
The AIDS Healthcare Foundation, which is based in Los Angeles, provides medical care to over
400,000 HIV and/or AIDs patients in 36 different countries. According to the AHF website, the
company is at the forefront of an initiative to diagnose and treat an estimated 25 million individuals
who don’t know they have HIV or AIDs.
Source: CBS News (April 8, 2015)
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Reprinted with permission of the Wisconsin Better Business Bureau
April 1, 2015
Don’t Be an April Fool: Do You Fit the Profile of a Scam Victim?
Much is known about the personalities of con artists and their methods, however, the Better Business
Bureau Serving Wisconsin says consumers with certain character traits and behaviors may be more
prone than others to becoming a victim.
Young people – from adolescents to college students – are potential victims because although they
may understand the workings of sophisticated scams, they often do not take the necessary precautions
to protect themselves, particularly when using computers and smart phones. They also may share too
much information on social media sites.
It is also well-established that the elderly are prime targets for fraud because they may be too trusting
and may not understand some of the ways scammers can trick them into handing over personal and
financial information.
But age alone does not determine who will most likely become a victim. The other two determining
factors are personal values and behavior.
Here are some of the traits common among scam victims:
They take someone at their word – Victims tend to not do their homework, ask questions, or check
with BBB before signing a contract or putting down a deposit.
They are afraid of being rude – They don’t want to hang up the phone or shut the door, even if they
are not interested in whatever the peddler is selling.
They don’t recognize common high pressure tactics – These include persuasion, “time-limited”
offers, calls to action to “do it now” or pestering over the telephone or at the front door.
They don’t protect their personal information – They don’t lock up or shred their documents. They
use the same password for every account.
They let themselves get emotional – They are often motivated by fear, greed, romance, a sense of
urgency, or excitement. They are easily moved to respond to threatening phone calls or emails, fake
charities, lotteries, and investment scams.
They don’t read the fine print – Some individuals and websites are hoping that consumers don’t find
or read fine print, which may contain restrictions that put them at a disadvantage or make a product or
service all but useless.
They act impulsively – They download files, click on pop-up ads, sign up for trial offers, click on
links and open emails from unknown senders.
They are vulnerable – They may have recently lost their job or have increased debt and therefore
place hope in work-at-home offers and phony employment offers through which they can lose money
or be coerced into giving up personal information that will be used for identity theft.
They are embarrassed – They won’t tell anyone about being scammed nor report it to the proper
authorities, so that the perpetrator gets away and the scam continues.
Criminals who commit these kinds of fraud are typically very polite, will lavish praise upon their
victims, use a convincing pitch or hard luck story, or falsely claim they are affiliated with the
government, police, or even the Better Business Bureau.
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Knowledge is the ultimate tool to prevent becoming the victim of a scam:
Take preventative measures. Add your home telephone number to the state and federal Do Not Call
registries (www.donotcall.gov or 1-888-382-1222; FTC and http://datcp.wi.gov/Consumer/No_Call/
or 1-866-966-2255 for Wisconsin). This is no guarantee that unscrupulous telemarketers won’t call,
but it can dramatically reduce the number of solicitations. If you do register, and they do call, you can
report the violation.
Be skeptical. Err on the side of caution when anybody calls or emails asking for your personal or
financial information. No legitimate caller will ask for credit card numbers, your Social Security
number, date of birth or any other personal information.
Be realistic. You cannot win a lottery you did not enter (and, foreign lotteries are illegal), never pay
for anything that is offered as “free,” and just because you’re told about a great investment
opportunity, don’t make any quick decision. Seek expert advice and check on the company or
individual first. Remember, if something sounds too good to be true, it probably is.
New Medicare Cards to Omit Social Security Numbers
Earlier this month, President Obama signed a bill that will end Medicare’s practice of using Social
Security numbers on Medicare cards. Medicare officials have up to four years to begin issuing cards
with new identifiers and an additional four years to reissue Medicare cards to current beneficiaries.
The Government Accountability Office has advised Medicare to end its practice of printing Social
Security numbers on its cards since 2004, but, until now, no actions have been taken to address this
issue. Most private health insurance companies have long since stopped using the numbers to identify
individuals, and the federal government even prohibits private insurers who are under contract with
Medicare from using Social Security numbers on their insurance cards.
Congress was motivated to act for two primary reasons: the rapid increase of electronic health records
and a number of recent cyberattacks, such as the Anthem data breach. The bill allocates $320 million
over four years to implement the changes. The money will come from Medicare trust funds and
beneficiary premiums.
Currently, over 4,500 individuals sign up for Medicare each day. By 2025, an additional 18 million
people are expected to qualify for Medicare, which would bring the program’s total enrollment to 74
million individuals. New beneficiaries are often surprised to learn that Medicare uses their Social
Security number to identify them. Paula L. Ercolini, a Medicare beneficiary in Sharpsburg, Georgia,
wishes that her Medicare card did not have her Social Security Number on it. “The Social Security
number has the potential to open up your files, your life to hackers and thieves,” she said. “But you
almost have to provide it when you go to new doctors. They won’t see you if you don’t.”
Ann Rossie, a former Social Security claims representative who lives in Seattle, said, “Changing to
another number will be a humongous job. But Medicare needs to recognize the terrible impact on
anybody whose identity is stolen. It destroys your self-esteem, and it can take years to re-establish
your identity and credit.”
Source: New York Times (April 20, 2015)
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Reprinted with permission of the Wisconsin Department of Agriculture, Trade and Consumer
Protection
April 28, 2015
DATCP Consumer Alert: Free Money? There’s No Such Thing
MADISON – Free money sounds great. But if someone calls out of the blue telling you that you have
been awarded thousands of dollars in a “free government grant,” don’t believe it – especially when the
caller asks for your banking information.
A grant phone scam may currently be targeting the 608 area code, and the Wisconsin Department of
Agriculture, Trade and Consumer Protection (DATCP) is asking residents to be on the lookout for
these fraudulent calls.
Grant scams, whether unsolicited phone calls or through classified ads claiming to offer free money
(and providing a toll-free number to call), typically begin with:
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
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A claim that your application for a grant is guaranteed to be accepted and that you will never
have to pay back the money.
A backstory about receiving the grant for paying taxes on time, having a clean criminal record
and voting regularly. Other ploys include grants to pay for education costs, home repairs,
business expenses or unpaid bills.
A request for checking account information in order to establish a “direct deposit” of the grant
funds or to cover a one-time “processing fee.” In actuality, the scammer is looking to drain
your account.
A phony reference number for the grant application.
Many standard phone scam tips apply for grant scam attempts:
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Never give out personal or banking information on an unsolicited call.
Scammers can “spoof” their call information, making your caller ID display read however they
wish. Never trust the phone number or company name that displays on the caller ID if you
think it may be a scam call.
To add legitimacy to the ploy, a crook may have some basic information about you on hand
when they call, such as your name, address and age. Remember that this is publicly accessible
information.
For additional information or to file a complaint, visit the Consumer Protection Bureau at
http://datcp.wisconsin.gov, send an e-mail to [email protected] or call the Consumer
Information Hotline toll-free at 1-800-422-7128.
CFPB: “Phantom” Debt Collection Scheme Targeted Millions
A lawsuit filed by the Consumer Financial Protection Bureau (CFPB) alleges that a Georgia firm
called millions of consumers attempting to collect on “phantom” debts and scammed consumers by
citing personal information purchased from payday loan lead generators. The suit, filed against
Universal Debt and Payment Solutions and several other related companies, alleges that fraudsters
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would call consumers claiming to work for employers with names like the “LRS Litigation Group,”
“Worldwide Requisitions,” and “Arbitration Resolution,” and tell victims they might face jail time if
they did not immediately pay the phantom debt. To add credibility to their claims, the callers would
reference personal information, including bank account numbers, which had been purchased from data
brokers.
“Our lawsuit asserts that consumers were harassed, threatened, and deceived as part of a reprehensible
scheme to collect debt that was not even owed,” said CFPB Director Richard Cordray. “We are taking
action against the many parties that allegedly contributed to this phantom debt collection operation.
The ringleaders of the scheme, the telemarketing company that broadcast millions of robo-calls, and
the companies that processed the payments should all be held accountable for taking advantage of
vulnerable consumers.”
In one example mentioned in the lawsuit, a consumer received a threatening call while he was asleep.
“The caller stated that he had a ‘restraining order against (the consumer) to appear in court if I didn’t
settle with them.’ The caller said the consumer had 24 hours to pay $500 on a $1,600 debt to Bank of
America, or the collector would ‘contact (the consumer’s) employer to levy (his) wage, and they were
also contacting the local police to serve papers,’” alleges the lawsuit. “According to the complaint,
because he was scared, the consumer provided his bank card information. After making the payment,
the consumer’s wife informed him that they had never done business with Bank of America.”
The CFPB lawsuit also identified several service providers in the lawsuit, including Global Payments,
which processed the debt collector’s credit card payments. The CFPB alleges that the “payment
processors provided substantial assistance … enabling the Debt Collectors to accept payment by
consumers’ bank cards when the Payment Processors knew, or should have known, that the Debt
Collectors were engaged in unlawful conduct.”
Another company that the CFPB named in the lawsuit was Global Connect, LLC because it enabled
the agents to initiate millions of calls even though “it knew, or should have known, that the messages it
broadcast for the Debt Collectors were unfair or deceptive, and materially contributed to the Debt
Collectors’ scheme.”
Source: Credit.com (April 9, 2015)
Reprinted with permission of the U.S. Department of Justice
April 21, 2015
Government Sues Skilled Nursing Chain HCR ManorCare for Allegedly Providing
Medically Unnecessary Therapy
The government has intervened in three False Claims Act lawsuits and filed a consolidated complaint
against HCR ManorCare alleging that ManorCare knowingly and routinely submitted false claims to
Medicare and Tricare for rehabilitation therapy services that were not medically reasonable and
necessary, the Department of Justice announced today. ManorCare is one of the nation’s largest
healthcare providers, operating approximately 281 skilled nursing facilities (SNFs) in 30 states.
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“The Department of Justice is committed to ensuring that healthcare providers who pressure their
employees to provide medically unnecessary services to Medicare beneficiaries and Tricare recipients
solely to increase their own profits are held accountable,” said Principal Deputy Assistant Attorney
General Benjamin C. Mizer of the Justice Department’s Civil Division. “We will not relent in our
efforts to stop these false billing schemes and recover funds for federal healthcare programs.”
The government’s complaint alleges that ManorCare, which is owned by The Carlyle Group, exerted
pressure on SNF administrators and rehabilitation therapists to meet unrealistic financial goals that
resulted in the provision of medically unreasonable and unnecessary services to Medicare and Tricare
patients. ManorCare allegedly set prospective billing goals designed to significantly increase revenues
without regard to patients’ actual clinical needs and threatened to terminate SNF managers and
therapists if they did not administer the additional treatments necessary to qualify for the highest
Medicare payments. ManorCare also allegedly increased its Medicare payments by keeping patients in
its facilities even though they were medically ready to be discharged.
“We strive for a system whereby health care providers provide reasonable and necessary services
without overbilling Medicare for unreasonable and unnecessary services” said U.S. Attorney Dana J.
Boente of the Eastern District of Virginia. “We will continue our robust investigations of the
companies operating in this important sector of our economy.”
“We want to ensure that taxpayer dollars are used to pay for health care for Americans that need it, not
to unjustly enrich health care companies,” said U.S. Attorney Barbara L. McQuade of the Eastern
District of Michigan. “Medical providers will be held accountable when they exploit patients for profit
by subjecting them to therapies they don’t need and then billing Medicare for reimbursement.”
“Today’s action is the result of a robust investigation into alleged false billings submitted to Medicare
and Tricare for rehabilitation therapy services that were not necessary for patients,” said Assistant
Director in Charge Andrew G. McCabe of the FBI’s Washington, D.C., Field Office. “Healthcare
fraud is a top priority for the FBI and we will continue to work closely with federal, state and local law
enforcement partners to address vulnerabilities, fraud and abuse in the healthcare industry.”
The three consolidated lawsuits were filed under the qui tam, or whistleblower, provisions of the False
Claims Act, which permit private parties to sue on behalf of the government for false claims for
government funds and to receive a share of any recovery. The False Claims Act permits the
government to intervene in such lawsuits, as it has done in these cases. A defendant that violates the
False Claims Act is liable for three times the government’s losses plus civil penalties.
The government’s intervention in these matters illustrates its emphasis on combating health care fraud
and marks another achievement for the Health Care Fraud Prevention and Enforcement Action Team
(HEAT) initiative, which was announced in May 2009 by the Attorney General and the Secretary of
Health and Human Services. The partnership between the two departments has focused efforts to
reduce and prevent Medicare and Medicaid financial fraud through enhanced cooperation. One of the
most powerful tools in this effort is the False Claims Act. Since January 2009, the Justice Department
has recovered a total of more than $24 billion through False Claims Act cases, with more than $15.3
billion of that amount recovered in cases involving fraud against federal health care programs. Tips
and complaints from all sources about potential fraud, waste, abuse and mismanagement, including the
conduct described in the United States’ complaint, can be reported to the Department of Health and
Human Services, at 800-HHS-TIPS (800-447-8477).
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These matters were investigated by the Civil Division’s Commercial Litigation Branch; the U.S.
Attorney’s Offices for the Northern and Southern Districts of Iowa, Eastern and Western Districts of
Michigan, Northern and Southern Districts of Ohio, Eastern District of Pennsylvania and Eastern
District of Virginia; the Department of Health and Human Services’ Office of Inspector General; the
Department of Defense’s Office of Inspector General; the Defense Health Agency; the Medicaid Fraud
Control Units of the California Attorney General’s Office, Delaware Department of Justice, the Florida
Attorney General’s Office, Illinois State Police, Iowa Department of Inspections and Appeals, the
Maryland Attorney General’s Office, the Michigan Attorney General’s Office, the Ohio Attorney
General’s Office and the Virginia Attorney General’s Office; the National Association of Medicaid
Fraud Control Units; and the FBI.
The cases are captioned United States ex rel. Ribik v. ManorCare, Inc., et al., Case No. 1:09cv13CMH-HCB (E.D. Va.); United States ex rel. Slough v. HCR ManorCare, et al., Case No. 1:14cv1228
(E.D. Va.); and United States ex rel. Carson v. HCR ManorCare, et al., Case No. 1:11cv1054 (E.D.
Va.).
The claims asserted against ManorCare are allegations only, and there has been no determination of
liability.
Upcoming Wisconsin SMP Activities
Date
Activity
County
May 5
May 7-8
May 8
May 12
May 13
May 13
May 14
May 14
May 16
May 18
May 18
May 19
May 27
June 2
June 2
June 3
June 10
June 11
June 15
June 16
June 16
SMP Presentation-St. Nazianz Nutrition Site
WVCA Annual Conference-Appleton
SMP Booth-Multicultural Senior Health Fair-Madison
SMP Presentation-Cedar Ridge Apts.-West Bend
SMP Presentation-Valders Nutrition Site
SMP Booth-Attic Angel Health Fair-Middleton
SMP Volunteer Foundations Training-Platteville
SMP Presentation-AASC WI Chapter Mtg.-Chippewa Falls
SMP Booth-Safety Fair-Plover
SMP Presentation-Manitou Manor Nutrition Site
SMP Booth-Wisconsin Alzheimer’s Conference-Lake Delton
SMP Presentation-Kenosha YMCA Dining Site
SMP Presentation-ACFE Milwaukee Chapter Meeting
SMP Booth-Senior Americans Day-Eau Claire
SMP Presentation-St. Nazianz Nutrition Site
SMP Presentation-Segoe Terrace Apts.-Madison
SMP Presentation-Valders Nutrition Site
SMP Booth-Fox Cities Senior Living Show-Neenah
SMP Presentation-Manitou Manor Nutrition Site
SMP Booth-Ozaukee County Senior Conference-Grafton
SMP Booth-2015 Senior Health Fair-Manitowoc
Manitowoc
Outagamie
Dane
Washington
Manitowoc
Dane
Grant
Chippewa
Portage
Manitowoc
Sauk
Kenosha
Milwaukee
Eau Claire
Manitowoc
Dane
Manitowoc
Winnebago
Manitowoc
Ozaukee
Manitowoc
We are always looking for opportunities to support our colleagues in the aging network. Please
contact Wisconsin SMP and let us know about upcoming events in your area.
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Wisconsin SMP
Coalition of WI Aging Groups
2850 Dairy Drive Ste. 100
Madison WI 53718
ATTENTION: All of You with Email…
In an effort to save paper, postage and be “volunteer friendly,” we will email issues of the
Fraud Alert! to those who have email. Please contact Kevin Brown at [email protected]
and give him your email address to add to our list. Thank you!
For more information, contact:
Kevin Brown, SMP Project Director
Coalition of Wisconsin Aging Groups Elder Law Center
2850 Dairy Drive – Suite 100
Madison, WI 53718-6742
Phone: 800/488-2596 608/224-0606
Email: [email protected]
You can also access our publication by visiting our web site www.wisconsinsmp.org
Or you can visit the Coalition of Wisconsin Aging Groups web site www.cwag.org
Click on Publications then click on Wisconsin Senior Medicare Patrol (SMP)
and scroll down and click on the edition you wish to view.