News from Covered California: Open Enrollment Is Here!

Covered CA Logo

Do you have health insurance?  Do you know someone who needs health insurance? If so, Covered California has good news – Covered California open enrollment starts November 15, 2014 and lasts until February 15, 2015.

This is your opportunity to compare health insurance plans for yourself, your family, or even your business.  Covered California is also the only place to get financial assistance for health care coverage. Covered California makes it easy – by going to you can compare available plans and also see if you qualify for low-cost or no-cost Medi-Cal.

Covered California is the state health insurance exchange, established under the Affordable Care Act. For more details and information about Covered California and open enrollment, please visit the Covered California website at

Canine Care, Inc. Ordered To Pay $150,000 In Restitution For The Unlicensed Practice Of Veterinary Medicine

Read more at The DOI Page.

Don’t forget to follow the The DOI Page to get all the latest from the Department’s Division of Investigation.

Cosmetic Contacts: Halloween Fun or Just Plain Scary?

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When getting your costume together for Halloween, you know what takes your look to the next level, don’t you? Your eyes. Because it doesn’t matter how cool your costume is, you can’t go halfway when paying tribute to your favorite character—it’s all or nothing.

It’s also all or nothing when choosing costume contact lenses. Buyer beware—if you put cheap, nonprescription contacts in your eyes, you may damage your sight or lose it completely.

The bottom line is, just like their corrective counterparts, costume contacts (also known as fashion, Halloween, color, or theatre contacts) require a prescription. It’s the law.

Just because costume contacts are an accessory doesn’t mean you should buy them at a gas station, flea market, street vendor, beauty supply store, novelty or costume shop, or other business. Businesses that sell costume contact lenses to you without a prescription are operating illegally. Even though these contacts are not used for vision correction, they still need to fit your eye correctly. According to the U.S. Food and Drug Administration (FDA), any kind of contact lens that does not fit your eyes correctly can cause:

  • Allergic reactions
  • Corneal abrasions—a cut or scratch on your cornea (the top layer of your eyeball)
  • Infection
  • Impaired vision
  • Blindness

The FDA also advises that when wearing any type of contact lenses, pay attention to signs of possible eye infection, including:

  • Redness
  • Pain in the eye(s) that doesn’t go away after a short period of time
  • Decreased vision

If you experience any of these symptoms, you need to see a licensed eye doctor (optometrist or ophthalmologist) immediately. Eye infections could become serious and cause you to become blind if not treated.

Buy your contacts—including the decorative ones—from an optometrist, an ophthalmologist, a registered dispensing optician, or from a reputable online vendor that requires a prescription. Make sure you’re buying FDA-cleared or -approved contacts lenses. Also, the person or company that sells you the contacts must get your prescription and verify it with your doctor. The FDA says that if they don’t ask for the name and phone number of your doctor, they are breaking Federal law and may be selling you illegal contacts.

If you do not have a prescription you will need to get an eye exam; if you wear contacts now, ask your eye doctor for a copy of your current prescription. And, when you get your contacts, make sure you follow the directions for cleaning, disinfecting, and wearing the lenses. If you don’t receive directions, ask for them!

Check the license!

Ophthalmologists are eye surgeons who are licensed by DCA’s Medical Board of California. They perform surgeries for problems caused by diseases such as cataracts, glaucoma, and macular degeneration, and also treat eye diseases and prescribe corrective lenses.

Optometrists are licensed by DCA’s State Board of Optometry. They conduct examinations to determine the overall health of the eyes, screen for diseases, and also prescribe corrective lenses.

Registered dispensing opticians are also licensed by DCA’s Medical Board of California. They run businesses that fill prescriptions for eyeglasses and contact lenses. They cannot prescribe corrective lenses.

You can check Medical Board licensees’ records online at, and State Board of Optometry licensees’ at

Make sure you’re doing the right thing for your eyes; you might be dressing up for one Halloween night, but your vision is forever.


Investigation Finds Two Women Practicing Medicine Without Licenses

Read more at The DOI Page.

Don’t forget to follow the The DOI Page to get all the latest from the Department’s Division of Investigation.

October is National Disability Employment Awareness Month


The Department of Consumer Affairs (DCA) is proud to be a part of this year’s National Disability Employment Awareness Month and to be hosting a multi-department Diversity & Disability Awareness and Resource Fair on October 15, 2014. Each October, a national campaign is held to educate employees and employers in all industries about diversity and disability employment issues and to celebrate the contributions of America’s workers with disabilities. DCA is firmly committed to supporting the message that a strong workforce is one inclusive of the skills and talents of all individuals, including individuals with disabilities.

  • Date:         October 15, 2014
  • Location:  Dept. of Consumer Affairs, 1625 North Market Blvd.,  Sac, CA 95834
  • Time:         Resource Fair – 10:00 am to 3:00 pm

Learn more about NDEAM by visiting their website at

Search Warrant Served on Grass Valley Psychologist for Alleged Workers Compensation Billing Fraud

Psychology_Logo_BannerGRASS VALLEY – Peace officers with the Department of Consumer Affairs’ Division of Investigation (DOI) Health Quality Investigation Unit (HQIU), along with the Nevada County District Attorney’s Office, the Department of Insurance, and the U.S. Department of Labor served a search warrant Tuesday on a Grass Valley psychologist suspected of Workers Compensation Fraud.

Pamlyn Kelly, PhD is suspected of fraudulently billing insurance companies for Workers Compensation services that were not provided. The investigation was prompted by a complaint to the California Board of Psychology from a patient, who alleged their insurance was being billed for appointments that never occurred. The Board referred the matter to HQUI for investigation.

The Board has opened an administrative investigation into whether disciplinary action should be taken against Kelly’s license.

Investigators suspect other instances of fraud may have occurred. They are asking any patients of Dr. Kelly whose insurance was billed for services that were not provided to contact HQIU Supervising Investigator Mark Loomis at (916) 263-2585.

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Taking Out a Student Loan: What You Should Know Before You Sign

application_form-300x199The recent lawsuit in which the Consumer Financial Protection Bureau (CFPB) is suing for-profit college chain Corinthian Colleges for alleged “illegal predatory lending” is a reminder to students: Don’t take out a loan without doing your homework.

CFPB alleges that since June 2013, Corinthian lured thousands of students into taking out high-cost private loans to cover tuition costs by inflating job prospect rates and paying employers to temporarily hire their graduates. Additionally, the federal consumer watchdog agency said that Corinthian charged as much as $75,000 for a bachelor’s degree and pushed students into private loans with approximately 15-percent interest rates (more than double the interest rate for Federal loans). CFPB also alleges Corinthian used illegal debt collection tactics, such as pulling students from class who were late on their loan payments, blocking students from using computers, or even withholding diplomas.

This case painfully illustrates how taking out private loans can leave unsuspecting students in utter financial straits. Before borrowing any money for your education, be sure to research all your financial aid options. When you’ve carefully narrowed down your choices, review the terms of the loans or offers. As with any agreement, read the fine print, ask tons of questions, and know exactly what you’re agreeing to. How much does the loan cost? What will my monthly payments be? Is the interest rate fixed or variable? Do I have to pay any fees? When do I have to start repaying the loan?

It’s also a good idea to reduce how much you need to borrow in the first place. Here are some ways to help bring down your loan amount:

  • Apply for grants and scholarships. Some helpful websites for this search are,, and
  • Choose a Federal loan vs. a private loan. Fill out the Free Application for Federal Student Aid (FAFSA) form every year you’re in school. FAFSA gives you access to different types of Federal aid such as work-study jobs, grants and scholarships, and loans. Also, Federal loans have many advantages over private loans, such as fixed interest rates, deferment periods, no cosigner requirements, and usually have better repayment terms.
  • Get a cosigner with good credit rating. Remember, however, the cosigner is responsible for the loan if you fail to pay.
  • Do the math. As a rule, do not take on a debt larger than your expected first year’s salary, according to Ideally, you want to be able to pay back your loan within 10 years after you graduate.
  • Keep your costs down. Think of different ways to save money during college, such as living at home or with a roommate, buying used textbooks, and cooking at home instead of going out.
  • Consider taking a part-time job, then pay for some of your costs while in college.
  • Do your first two years of school at a community college. You can then get your general education credits completed at a lower cost and work on your GPA to qualify for scholarships. Just be sure to check which courses will transfer to a four-year institution.
  • Try to graduate early. The less time you’re in college, the less you’ll need to borrow.
  • Consider making interest payments while in college. This will help reduce the amount you have to pay later.

For more information on student financial aid, including loans and grants, visit the following websites:

DEA Drug Take-Back is Saturday, Sept. 27


Keeping prescription drugs out of the wrong hands is one of the goals of this Saturday’s DEA Drug Take-Back.

Last year in California, more than one billion hydrocodone pain pills were dispensed – that’s enough for a month’s supply for every California adult. Many of those narcotics are no longer needed and may be stored in easily accessible medicine cabinets where visitors and teens can easily obtain them to get high.

The DEA’s twice-yearly Drug Take-Back is from 10 a.m. to 2 p.m., this Saturday, September 27, 2014. The event allows you to safely dispose of those pain pills and other unused, unwanted and expired prescription drugs at a location near you.

During the last Drug TakeBack event in April, the three DEA field divisions in California collected 78,495 pounds of prescription drugs.

For more information on the program, CLICK HERE

For a TakeBack location near you, CLICK HERE 


California Bureau of Real Estate Issues Valuable Tips for Seniors on how to Avoid Becoming Victims of Real Estate Fraud


Those who commit fraud often target and exploit senior citizens. According to the FBI, the reason they do is because senior citizens are most likely to have a sizeable “nest egg” that criminals can target, and seniors are typically seen as more trusting of others. Older Americans are also less likely to report fraud because they don’t know who to report it to and are often too ashamed at having been scammed. Sometimes they aren’t even aware they have been scammed.

The California Bureau of Real Estate recently issued an advisory directed at California seniors to offer them essential advice and tips on how to protect themselves from becoming victims of real estate fraud schemes, including those scams involving home loans, rentals, timeshares, and false or fictious deeds.   Check out the advisory here.