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fE--Aygutt 6, 1972 Sunday Gazette-MiU Designer's Touch Spare Room Can Be 'Real You' Lucky you, if you have a spare room which can be your very own private sitting room. --not a television room. But your own private sitting room, where you go to get away from it all. If you have this special kind of room, remember to decorate it to suit you. Bon't just use it as a place to put all the "stuff" you can't find a place for. DO YOU HAVE a passion for pink and orange together? Then make it a pink and orange room. Gather together your favorite pictures and mat them in pink and orange. Follow up by painting three walls pink and doing one wall in a paisley print which incorporates your color theme. Be sure it's a room that reflects you. And speaking of reflections, have you considered a mirrored cube to serve as a coffee table? That's the central point of this special sitting room all done up in lime green and lemon yellow. In the background is a small desk. Tliis is an important piece of furniture for a private room. It is placed where the light is good and offers the spot from which the busy homemaker can plan her activities. TOE SOFA and lounge chair are done up in a lime and lemon line design fabric; lots of white is used and a personal touch is added with the table c o v e r i n g . It's foot square blocks of lemon and lime shantung sewed together patch-work fashion. In this room only one wall to painted (lime green) and the other walls are covered with one of the magnificant new wallpaper patterns with a metallic background and flower fantasy design in lemon, time and chalk white. Wells-Ganim Vows Exchanged In a nuptial mass Saturday at Sacred Heart Catholic Church, Miss Debra Kay Ganim, daughter of Mr. and Mrs. Edward Joseph Ganim of Montrose Drive, became the bride of Timothy Joseph Wells, son of Mr. and Mrs. Bernard William Wells of Dunbar. The Rev. Hilarion Cann performed the noon ceremony. Music was provided by Mike Connor, soloist, and Kay Lowther, organist. A reception followed at the South Charleston Woman's Club. How to Buy Doctor Bills Still Big for Retirees on Medicare By Sidney Margolius Consumer Expert for Sunday Gazette-Mail An elderly reader recently showed us the explanation of the Medicare reimbursement for her doctor bills which she had received .from the insurance company handling these benefits in her area for the government. For a total outlay of $747 for doctors during a recent illness, she got back $426, only 57 per cent of her actual expense. The insurance c o m p a n y (called the intermediary) first knocked off $214 of the $747 as exceeding the p r e v a i l i n g charges in her area for the services provided by the doctors involved. For example, one doctor had charged $20 for a visit but the intermediary allowed only $12 For another doctor's fee of $610 for care while she was hospitalized, the intermediary allowed only $427 and so on. Of the remaining $533 that Saturday Rite Unites Pair in Montgomery MONTGOMERY - The Immaculate Conception Church here was the setting Saturday evening for the marriage of Miss Pamela Lee Fragale, daughter of John Fragale and Mrs. Jackie Fragale, both of Montgomery, and Pfc. Dana L. Justice, son of Mrs. Gladys MacLeery of East Bank and Lincoln Justice of Charleston. The Rev. Charles Hamlin officiated and Angelo Nunley, organist, accompanied the so- losit, Denis Harris. MRS. D. L. JUSTICE . iormer Pamela Fragale ESCORTED BY her father, the bride wore a formal gown of silk organza, styled with an empire waist, full bishop sleeves, a high neckline accented in ribbon and lace, an A-line skirt and detachable .train. A pearl headpiece held her floor-length veil and she carried a colonial bouquet of white orchids with white streamers. Mrs. Patty Gillespie was matron of honor and-bridesmaids were Kitty Lucci, Wanda Belcher and Mrs. Dariene Poore. Deborah Kay Hanson, niece of the bride, and Mary Beth Carelli were flowergirls. CECIL JUSTICE served as best man for his brother and ushers were Danny Hemmings, Kenny Hudnall and Philip Campbell. Michael Underwood was the ringbearer. After a reception in the church educational building, the couple left for a wedding trip to Jacksonville, Fla. The newlyweds are graduates of East Bank High School. She attended West Virginia Institute of Technology and is employed with the West Virginia Department of Highways. Her husband attended Carver Career and Technicallnsti- tute and is serving with the Marine Corps in Jacksonville. Dress Revival Noted For Young Schoolgirl Little girls can leave their shiny red apples at home this year. Teachers will be more than pleased with the polished new look of girls' back to school garb. The dress, a classroom drop-out for several semesters, is making a comeback- end making it possible for teacher to tell the girls from the boys without a scorecard. "This semester there'll be more dresses in the classroom than any other time in the last five years," according to V i r g i n i a Borland, fashion director of American Viscose. A check of children's wear designers shows that the company's easy care Avril rayon and Avlin polyester fibers are taking final form in dresses more often than not. And the dresses are in fine form. * * * THERE'S A definite return to the lady-like look, Mrs. Borland reports. Girls will look like little girls again, in dresses that pay attention to the waistline, in clear bright colors and often in big-girl layered-look fashions. The shirtdress is recruiting a whole new generation with its young detailing. Striped or pnlkadoUed, it's worn with a necktie in a contrasting color or pattern, and some have charming big-apple and jump rope appliques where pockets used to be. Even the layered look is lady-like. It's more spiffy than sporty now thanks to an Avril rayon and Avlin polyester fabric that looks and feels like fine flannel. Little ladies can live it up in flannel jumpers wore with nursery print shirts very much like the French ones that grownups are sport ing. Also, there are delightfully deceptive one-piece dresses that look like jumpers but never give a shirttail the chance to escape. * * * OF ALL the dresses debuting this Fall, the daintiest are pinafores in short and midcalf lengths and all sorts of smocked styles to wear alone or with color matched pants. So for the first time in a little girl's life, dressier dresses will be everyday wear. Recent developments in fibers like Avril and Avlin make it possible now to put Sunday- best styling into clothes that machine wash and dry with no more care than last year's dungarees. Dungarees, by the way, are strictly for play. Teachers' pets in pants are the new- cuffed variety, worn with matching toppers and Â« ruffled blouse, ascot or bow. How Can I? Q. How can a very tight ring be easily removed from a finger? A. It is very seldom that a tight ring cannot be removed after the hand has been held hi ice-cold soapsuds for a few minute*. was allowed, the Social Security Administration paid 80 per cent as provided by the law. So that is how this lady wound up with a reimbursement of a little over half of her doctor bills. ACTUALLY "PEOPLE 55 or older getting Medicare benefits are laying out almost as much cash for "put of pocket" expenditures as in 1966 before Medicare went into effect; $225 in 1971 compared to $234 then. Of course, medical fees have gone up in those five years. And, older people in general undoubtedly are getting more care than before Medicare, when many simply had to forego needed services for lack of funds. But the third reason is the sharp rise in doctor fees of about 34 per cent since 1967, and the frequent disparity be- Married 69 Years A reception will open at noon today in the social room at Littlepage Terrace to honor Mr. arid Mrs. Joseph Anderson Hackney as they celebrate their 69th wedding anniversary. Married Aug. 9, 1903, she is the former Ina Belle Searles and he is a retired farmer. Former residents of Advent, they have spent all their lives in Jackson and Kanawha counties and now are residing with their son and daughter-in-law, Mr. and Mrs. Elmer Hackney at 1802 Seventh Ave. They have six children, 28 grandchildren, 40 great-grandchildren and three great-great grandchildren. Sunday Deadlines Club calendar notices for the Sunday Gazette- Mail Home and Family Section must be submitted prior to 7 p.m. WednesndÂ»y. Other items for Sunday publication have a deadline of noon Thursday. Don't wait until Thursday to call us about your Sunday news. Submit your material as early as possible to assure Sunday publication. The only weddings accepted for Sunday publication are those which will occur on the preceding Friday or Saturday. tween what doctors charge and what Medicare says is the prevailing "reasonable" rate. Under Medicare law and regulations, the Social Security Administration explains, a charge is considered "reasonable": (1) if it is no higher than the doctor has been customarily charging all his patients, Medicare and non-Medicare, for the particular service; and (2) if it is also no higher than the charges made for that service in three out of every four cases by the other doctors in that locality. But there's a joker that aggravates the disparity between what many Medicare patients pay and what they get back. Under present regulations, what is considered to be the reasonable charge in each locality actually is the previous year's "reasonable" charge. In fact, the rate standards can lag as much as 18 months. For example, as recently as June 30, 1972, the intermediaries were still using the 1970 rates. On July 1,1972, the "reasonable" rates went up --but only to the 1971 level where they will remain until next July 1. The Social Security Administration says there is no other way to do it since it takes some time after the end of the calendar year to determine what the prevailing rates were for that year. Well, in a computer age, and for an agency that has an outstanding record of managing millions of social s e c u r i t y amounts, it should be relatively simple to determine the new "reasonable" charges every six months and announce them withn a few weeks. MEDICARE'PATIENTS can avoid the problem of disparities between "reasonable" and actual charges if they can encourage their doctors to accept assignment of their bills. Under the assignment method, the doctor agrees to send in the bill and have the Medicare payment made to him. He also agrees that his full charge will be no higher than the Medicare standard for a "reasonable charge." But the doctor can accept the assignment or not as he chooses. If he doesn't want to accept it, but prefers to let the beneficiary collect the Medicare payment, the doctor is under no obligation to reduce his fee to that determined to be the "reasonable charge." The Medicare beneficiary is then responsible for paying Summer Clearance OUR ENTIRE STOCK OF ARTIFICIAL SUMMER FLOWERS 50% OH Entire Stock of 5 Â¥2 to 6 ft. Trees Bushes 0 OFF See Our Bright New Selection off New Fall Foliage DYNAMIC DISPLAYS Corner of Va. St. West at Ten*. Ave.-Phone 342-1033 " MÂ«n. thru Fri. 9 a.m. to 5 p.m.--Sat. tiR Noon list Your lankAmcrkard or Master Charge the full amount of the doctor's charge as billed. About 60 per cent of the claims for doctor-bill reimbursement usually are assigned. In about 45 per cent of the assigned claims, a charge was found to be higher than the amount Medicare recognized as reasonable, and Medicare payments overall were about 11 per cent less than the total billed. The doctors who accepted the assigned claims absorbed these reductions. One social security expert feels that doctors could be further encouraged to take assignments, and that more patients might ask doctors to do so. Many patients don't even ask the doctors. At least one labor union, District 37 of the State, County and Municiapl Workers, two years ago did canvass doctors in its area (New York City) to see which would accept assignments. IT SHOULD*be'pointed out to the doctors that accepting an assignment is a convenience to them too, since they are assured the forms will be filled out correctly and that ttoey will get their pay directly without any neglect on the part of the patients. Recently some doctors' associations asked the Social Security Administration if it would notify doctors when non-assigned claims were paid to the patients. To its credit, the SSA refused to do so. Whether you can get doctors to accept assignment may depend in part on where you live. In Boston and Dallas, over 70 per cent of claims usually are assigned. Doctors in San Francisco and Denver a l s o have demonstrated above-average willingness to accept the " r e a s o n a b l e " charges. But doctors are less willing in New York, (only about half the bills were assigned), and Chicago, and a little below average in Philadelphia and Seattle. ESCORTED BY her father, the bride wore a gown of silk organza and Venise lace designed with an empire bodice featuring a scoop neckline and Tiffany puffed sleeves. Her A-line skirt ended in a chapel train. A profile of o r a n g e blossoms and velvet ribbon held her chapel veil of silk illusion and she carried a colonial bouquet of white daisies, white sweetheart roses and babys breath, and a crystal rosary. Her jewelry was a silver locket, a gift from the bridegroom. Serving as maid of honor was Miss Mary Jo Femia. Bridesmaids were Mrs. Peggy Martin, sister of the bridegroom, Miss Bridget Burdette, Miss Beth Shreve, Miss Barbara Jones and Miss Denise Planta. Keli Wells and Kristy Ganim were flowergirls. * * * BARNEY WELLS JR. was best man and ushers included Tom King, Greg Bailey, Joe Paterno, David Hildebrand, and Mike Lemle. David Ganim was ringbearer. Following a wedding trip to Myrtle Beach, S.C., the couple will reside in South Charleston. Mr. and Mrs. Wells are graduates of Charleston Catholic High School. She attended Concord and Morris Harvey colleges. He was graduated from Electronic Computer Programming Institute and is employed by Point Express. The bridegroom's parents hosted the rehearsal dinner at their home. The bride was honored at a shower and luncheon given by Miss Bridg- MRS. T. J. WELLS .. . former Debra Ganim et Burdette and at a shower hosted by Miss Cathy Wells, Mrs. Becky Wells and Miss Mary Jo Femla. The bridesmaid's dinner was given at the home of the bride. How Can I? Q. Have you any suggestions for a substitute shoe polish for either black or brown leather shoes? A. Try simply sprinkling lemon juice over the shoes, t h e n polishing vigorously. Works real well. Q. How can I mend broken chinaware and glassware? A. By dipping the broken edges into soft, melted, powered alum, then holding the piecei together with adhesive tape until the cement has birdoN. NATIONALLY ACCREDITED WtttV/rgiaia'stirftst ttautf AaJtmy InrHet ft* ft lunHfwt drttr. ENROLLING NOW FOR SEPTEMBER TkiiCMpn virtfeSI' Â·incur MUi(ist Â·irtMUl Mil* PERMANENT Â«r HOST fflLEtCR |- -. ALLPEIMMENTS '/! 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