Blog No.189 - Dealing With HCF in July 2022, Part 6: 25 February 2025

 

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Tim Tams are a big hit everywhere – and Margaret’s Fraudulent friends loved them.  This photo shows Margaret having fun by pretending to be a Customs Officer confiscating the Tim Tams.

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This photo shows Anne Ryan pretending to be in love with my former friend Nes Fernandez.  She dropped Nes once she persuaded him to stop walking with me.  She also persuaded Nes to cancel me when Margaret was dying from cancer.  Nes refused to come to Margaret’s funeral.

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Evil has the ability to pretend to be something else.

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You may have missed it in the sea of detail, but in Blog 184, I recounted how HCF agreed in writing to pay ALL unpaid Lift claims dating back to 2018.  Yes, that is correct.  HCF had refused to obey the law for a continuous period of four years.  After I exerted extreme pressure on HCF, it finally agreed to pay all claims it received in the future – and it also agreed to pay all claims it should have already paid over the previous four years.

Then HCF changed its mind – or perhaps it had never really intended to pay the unpaid past claims in the first place.

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This is the sequence of events.

On the 24th of June 2022, Lift advised HCF in writing it had received payment for outstanding claims covering September 2021 to November 2021.  Lift asked what had happened to the promised payments for all of the other claims – the claims dating back to 2018.

This prompted HCF to revert to its habit of ignoring the law.

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On 24 June 2022, Andrea Caton from HCF sent this email to Lift.

Dear Ms Whiting HCF do not hold any records related to rejected claims, to facilitate payment LIFT must re-submit claims in paper form by post to the address below. Regards Andrea

Curled up inside this little gem of an email is confirmation by HCF that it never processed the claims for services by Lift.  The Lift claims were neither accepted nor rejected.  They were ignored and the paperwork destroyed.

I am confident that the HCF refusal to either accept or reject claims was a crime.

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HCF made its position explicit in another email sent to Lift on 27 June 2022.

Dear Ms Whiting As explained in my previous emails and correspondence, please note: HCF is willing to pay for care provided by Lift since 2018 HCF rejected claims submitted by Lift during the dispute timeline HCF paid all claims recorded on our claims system, as per remittances received by LIFT last week. If LIFT would like HCF to pay any benefits related to services provided between 2018 and 2021 LIFT must submit a paper claim to the address provided; If LIFT has previously submitted a claim for services rendered between 2018 and 2021 the only way for HCF to pay a benefit is for LIFT to submit a paper claim.* From the date of settlement LIFT can submit claims via ECLIPSE Regards Andrea *I have inserted the bold and the red font but the underlining was in the original HCF email

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Stripped of the Bulls**t, HCF refused to pay for any past claims unless Lift resubmitted each and every unpaid claim all over again – and did so in paper format and sent the claims by ordinary mail.  HCF demanded Lift perform what HCF knew would be a logistical nightmare.  HCF demanded that Lift resubmit each and every unpaid claim all over again – using hours of employee time – so that HCF could once again, engage in Masterly Inactivity.

It was this piece of Bulls**t that prompted my 8th of July 2022 letter to Mark Johnson.

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My letter to Mark Johnson finally persuaded HCF to obey the law.

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I got a short email from Mark Johnson on 9 July 2022 “Acknowledging receipt of your letter of 7 July 2022”.  [Mark Johnson got the date of my letter wrong.]

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On the 1st of August 2022, I got another email from Mark Johnson.  This email enclosed a letter from Mark Johnson dated 29th of July 2022.  This is Mark Johnson’s 29th of July 2022 letter.

Dear Mr Hankin Re: Lift Cancer Care Services I refer to your letter dated 8 July 2022. We understand that Margaret continues to face health challenges and our thoughts are with you both. HCF had advised Lift in our correspondence in June to submit claims for services directly to HCF, so our members would not be impacted. The billing of members for current services is at Lift’s discretion. We are disappointed this has continued, and we understand it has caused considerable inconvenience for you.  The payment of current or historical claims is now an operational matter. In order to expedite these issues HCF has an agreement with Lift regarding payment. As a result of this agreement any direct billing of members by Lift should cease.  HCF strongly denies all of the allegations you have made in your letter. We cannot respond to the matters in your letter as they relate to operational matters between Lift and HCF which have now been resolved. We would of course be happy to correspond with you on matters relating to your HCF health insurance policy.  Regards  Mark G. Johnson  HCF Chairman

The letter was certainly written in bulls**t legal language because the lawyers insisted on this, but it did signal HCF had finally decided to obey the law.  HCF and Teachers Health now finally paid the insurance claims they had previously refused to pay.  NIB had decided to obey the law in April 2022.  My war with the health insurers was finally at an end.

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I had finally succeeded without any help at all from any of the government agencies that were supposed to enforce the law.  Every relevant government agency had refused to enforce the law and I am convinced that corruption played a key role in the refusal of the Health Department and the Commonwealth Ombudsman to do their duty.

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The struggle with the health insurers was replaced by a much grimmer struggle.  Margaret’s health suddenly declined dramatically.  Her right kidney stopped working because the cancer had blocked her digestive system.  Her kidney function was restored only by insertion of a stent.

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No matter what I did, I could not stop Margaret’s steady drift towards death.  It was as if I forced the insurers to obey the law and the universe had then said “Thank you, Margaret can die now”.

But I did not do what I did just for Margaret.  I wanted to make sure that all other patients at Lift could get the treatment that their doctors wanted them to get and that their health insurance entitled them to receive.

Hello Everyone!

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Blog No. 188 - Dealing With HCF in July 2022, Part 5: 24 February 2025

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Part 5 of my 8 July 2022 letter to Mark Johnson, Chairman of HCF.

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Margaret took this photo of a pademelon in Tasmania on the 13th of March 2015.

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The evil sisters again on 17th of March 2015.  Margaret was beautiful.  While she was genuinely their friend, they abandoned her when she became ill.  They wanted to avoid the dying woman.

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This is a continual of the letter. 

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The relevance of our personal medical history to the legal problems besetting HCF is simple.  When faced with the prospect of death, neither Margaret nor I have “surrendered to the inevitable” and died.  We have both kept going and we will continue to keep going much longer than you can ever imagine. If and when the cancer takes Margaret away from me, that will not be the end of HCF’s troubles from me.  Until HCF joins the community of law abiding Australians, I will not stop and just let HCF maintain its policy of breaking the law at its discretion.  I say it again.  If the cancer kills Margaret, that will not get HCF “off the hook”.  If anything, my efforts to make sure HCF obeys the law will multiply exponentially. The Future For HCF The future for HCF is likely to be ugly. I have written to the Minister for Health, Mr Mark Butler.  Mark did his practical legal education diploma in the same year that I did – 1987 at the then South Australian Institute of Technology (now Uni SA).  I do not claim to know Mark personally, but our paths have crossed over the decades when we were both lawyers.  Mark has been given the Ministerial position that no one wants – Minister for Health.  Being Health Minister means that you are always trying to hose down disasters.  Health issues never go away and no one thanks the Health Minister when things go right, but he is a convenient person to bag when as is inevitable in this area, things go wrong.  I am sure Mark will be delighted to have an issue where he can publicly act in a manner as Health Minister that will attract great applause. I have written to Senator Penny Wong, Minister for Foreign Affairs.  My former wife studied Social Work with Penny’s mother Jane and then once Penny was admitted as a lawyer, she did some trials where I was on the other side.  Penny is scarily competent and she will definitely remember me.  As an added bonus, Margaret is a very close friend of one of Penny’s former staff members.  I have asked Penny to make representations to her colleague the Minister for Health.  I think there is a good prospect that she will do just that.  I have also asked her to make representations to the Treasurer, as Minister responsible for the ACCC.  I think there is a good prospect she will do that. I have written to Senator Don Farrell, Minister for Trade.  Don was the Assistant Secretary for the Shop, Distributive and Allied Employees’ Association, South Australian Branch in the late 1980s when I was a lawyer employed by the Retail Traders’ Association.  He is a very nice man and he always keeps his word because, unlike HCF, he is honest.  Until he became Minister for Trade, Don sometimes came to the same yoga class as me and Margaret.  Don is just as competent as Penny Wong, but not as scary.  Only an idiot would underestimate him.  I have asked Don to make representations to his colleague the Minister for Health.  Don’s Office already knows all about the conduct of HCF because I asked him for help before the last Federal election campaign got under way.  Apart from the head start on the facts that Don Farrell’s office staff already have, I am sure that Don himself will take a personal interest and bring these matters to the attention of the Health Minister.  I have also asked Don to make representations to the Treasurer, as Minister responsible for the ACCC.  I think there is a good prospect he will do that. I have written to and talked to my local Member of the House of Representatives – Member for Adelaide, Mr Steve Georganas.  Steve is a very nice man also and he is anxious to be given permission to tell the House of Representatives all about the actions of HCF.  I have now told him that I do not object to him doing what he has wanted to do for a long time.  I have also asked him to make representations to the Treasurer, as Minister responsible for the ACCC.  I think there is a good prospect he will do that. Finally, I will provide all of the relevant correspondence to the Australian Competition and Consumer Affairs Commission.  The ACC has already opened a preliminary file on HCF and the other health insurance funds.  I suspect that the ACCC will not need too much persuasion to turn their existing preliminary inquiry into a full blown investigation at all of the health funds, with a particular focus on HCF. It is now very late and it may be impossible for you to prevent you and your fellow Directors from being run over by the investigative train, but you never know, you might just be able to get off relatively lightly.  As for Sheena Jack and her adherents, the sooner you cut them loose from you and the other Directors, the better your chances of surviving what is to come. The optimist in me hopes to receive reassurance from you in the near future to the effect that the HCF Board is actually doing something about the criminals employed at HCF.  The realist in me will not be surprised if this does not happen. In case you have not yet worked it out, I think the people who are in senior positions at HCF who are responsible for this catalogue of crime, are scumbags – no more and no less. You and the other Directors should do your job and make the company that you are responsible for, do something amazing – obey the law.  I can see the social media circus already – beautiful parodies of the guy in his underwear looking so very happy that he has been UNCOVERED by HCF.

Blog No. 187 - Dealing With HCF in July 2022, Part 4: 24 February 2025

Part 4 of my 8 July 2022 letter to Mark Johnson, Chairman of HCF.

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These ever so happy and seemingly friendly women went to Tasmania with us.  Here they were on the 17th of March 2015.  On the left is Anne Ryan; she refused to come to Margaret’s funeral.  On the right is Sue Chapman; she came to the funeral but refused to come near me.

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Even when evil shows a pretty face, evil is never beautiful.  Evil is only ever evil and it is always ugly.  

Margaret deserved so much more than false friendship from these evil women.

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Tasmanian scenery 17th of March 2015.

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I will resume…

I concluded my second letter to you – the one dated 5 May 2022 - by saying this. “At this point, it appears to me that the only meaningful task that the Directors of HCF are able to engage in, is “damage control”.  As part of a “damage control” exercise, the Directors of HCF might wish to consider any and all of the following actions. Immediate suspension of Ms Jack pending an investigation by external investigators of what HCF has done and the extent of its breaches of legislative requirements. If investigation reveals – as I believe is likely – that Ms Jack has been a central figure in unlawful actions by HCF, she should be dismissed. A full confession should be made immediately to the Australian Competition and Consumer Commission.  If HCF confesses to the ACCC before any other funds, it might be able to obtain a lesser penalty than it might otherwise sustain. HCF should give deep consideration to what form of redress it should make to the victims of its unlawful conduct.  Those victims include Lift Cancer Care Services and the cancer patients whose claims for treatment have been treated with contempt by HCF.  Those victims include other health service providers who have been denied payment for services provided to their patients solely because HCF has decided to ignore its legal obligations in relation to those providers.  Some of those victims may well now be dead.  Some of the health providers have probably been driven into bankruptcy.  The list of victims is likely to be extensive. Any redress for the victims of HCF misconduct should be compensated not just by payment of the money that should always have been paid, but by payment of specific compensation based on the fact that they have been victims of crime.  If victims are dead, efforts should be made to identify their next of kin so that the appropriate compensation can be paid to the estate of the dead victims. If a preliminary check of HCF records reveals that the legal advisers to HCF have been involved in assisting in what has been going on (in effect, assisting HCF to commit crimes) the relevant documents containing any such legal advice should be provided immediately to the ACCC. Until you and your fellow Directors are convinced on the basis of persuasive evidence that no impropriety should be attributed to the HCF legal advisers, any future legal advice in relation to these matters should be obtained from legal advisers who might not subsequently be found to have played a role in what has gone on.” Very foolishly, it seems that you and your fellow Directors have done the absolute minimum that you thought might be necessary to avoid the problems raised by my letters.  That minimum seems to have been ordering Ms Jack to permit payment of Lift Cancer Care Services and payment of my outstanding accounts.  That minimum might have been enough to make me go away – and it might even have been enough to keep the government regulatory agencies at bay - if Ms Jack and her cronies had bothered to do as you and the Board (apparently) instructed.  Unfortunately, her desire to punish Lift Cancer Care Services has outweighed all other consideration - hence the latest refusal by HCF to pay the outstanding invoices. In case it is not yet completely clear, the latest behaviour by the company of which you are the Chairman of Directors, is utterly disgusting and I have had enough. I will do all in my power to ensure that HCF and the dishonest people at senior management level in HCF who are personally responsible for this disgusting conduct, pay the full penalties permitted and imposed by law. If you or your fellow Directors wish to somehow avoid personal liability, you will need to act very quickly. Margaret’s Health, My Health As you have probably worked out by now, my involvement in trying to bring an end to this crime spree by HCF has arisen because my wife Margaret Redden has cancer.  Her cancer is located in her ampullar and it is not treatable.  When originally diagnosed in June 2020, the doctors (in their roundabout way) indicated that she might be dead by Christmas 2020.  Given that I was lucky enough to be able to marry the finest human being I have ever met, I found the news of Margaret’s diagnosis, very distressing.  Unsurprisingly, Margaret found it distressing also. So here we are in July 2022 and my beautiful Margaret is still alive.  What happened?  The simple answer is we do not know.  There have now been two separate occasions where it looked as if the end was very close indeed, and on both occasions a major miracle has occurred.  On each occasion, the cancer did a major retreat from the brink of death to a less threatening form.  The cancer is still there though.  When the time comes, the cancer will probably shake off the miracles and demolish Margaret’s body. Margaret’s cancer had a dramatic impact on my own physical health.  Shortly after her diagnosis, I began to experience episodes of being unable to breath.  Try holding your breath for a while and see how it feels.  It is not fun.  My health issues went beyond breathing difficulties.  I developed spasming coughs that never went away, making sleep impossible for months in a row.  For a while in 2021, I stopped going to bed but stayed upright on the sofa, knowing that the coughing would destroy any attempt at sleep.  I spent periods doing what I dubbed “Perimeter Prowling” – walking continuously round and round the kitchen and lounge room, knowing that if I could keep it up for about 30 minutes, the coughing would probably settle down.  Sometimes the coughing did not settle down though.  I have permanent damage to the xiphoid in my chest.  I have to clutch it to keep it from bursting open when I sneeze. My own physical problems did not end at inability to breath and coughing.  I also experienced massive stomach bloating and massive pain.  For months on end, the only meal I could be reasonably sure of being able to eat was breakfast - and then towards the end of that nightmare, even breakfast became dodgy.  I lost 35 kilograms in weight at the height of my health issues.  If you get that paragon of law compliance (or should I say Queen of Crime?) Sheena Jack to check the records at HCF, she can tell you the dates when I was hospitalised. So, what does all this personal history stuff mean?  It means that I nearly died on several occasions and the probability is that Margaret will die from her cancer.  We don’t know when, but the doctors will probably be vindicated in the end.  They are pretty knowledgeable people – as well as being kind and decent people – in total contrast to the people who run HCF.

Will continue in Blog No. 188. 

Blog No. 186 - Dealing With HCF in July 2022, Part 3: 24 February 2025

Part 3 of my 8 July 2022 letter to Mark Johnson, Chairman of HCF.

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Tasmanian scenery, 17th of March 2015

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Tasmanian scenery, 17th of March 2015

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If what I have just summarised does not seem to make sense, there is a good reason for this.  It does not seem to make sense because it does NOT make sense.  Ms Jack and those acting under her orders do not place a priority on making sense.  They are determined to punish Lift Cancer Care Services for daring to call them out for breaking the law and being happy to let cancer sufferers die because once they are dead, they are very unlikely to complain and cause trouble or sleepless nights to Ms Jack and those who follow her orders. The most recent behaviour of HCF is both unlawful and complete bull***t – and you must be personally aware of this. Why I Am Writing to Your Personal Email Address You are probably annoyed that I am writing this letter to you and you are probably even more annoyed that I am addressing it to your personal email address.  There is a reason for this. My first letter to you was dated 11 April 2022.  It was addressed to you at your published HCF email address.  All letters to directors dated 11 April were addressed to them at their published HCF email addresses.  This Table sets out the fate of those letters Name of Director Email Address Letter Was Sent To Date and Time Letter Was Emailed Fate of the Emailed Letter Mark G Johnson mjohnson@hcf.com.au 3:03 pm on 11 April 2022; and 11:30 pm on 12 April 2022 Apparently delivered Terry Agnew tagnew@hcf.com.au 3:06 pm 11 April 2022 Delivery failure – “Unknown address error 550-‘5.4.1 Recipient address rejected: Access denied.  AS (201806281) John M Barrington jbarrington@hcf.com.au 3:07 pm 11 April 2022 This mailbox is no longer active.  To contact Sheena Jack, HCF’s Chief Executive Officer and Managing Director, email sjack@hcf.com.au Michael J Bassingthwaighte mbassingthwaighte@hcf.com.au 3:09 pm 11 April 2022 Delivery failure – “Unknown address error 550-‘5.4.1 Recipient address rejected: Access denied.  AS (201806281) Catherine H Hallinan challinan@hcf.com.au 3:10 pm 11 April 2022 Delivery failure – “Unknown address error 550-‘5.4.1 Recipient address rejected: Access denied.  AS (201806281) Sheena Jack sjack@hcf.com.au 3:11 pm 11 April 2022 Email response 5:05 pm 11 April 2022 “I will commence an investigation immediately and will provide a response as soon as possible” Claire L Jackson cjackson@hcf.com.au 3:12 pm 11 April 2022 Delivery failure – “Unknown address error 550-‘5.4.1 Recipient address rejected: Access denied.  AS (201806281) Lisa M McIntyre lmcintyre@hcf.com.au 3:14 pm 11 April 2022 Delivery failure – “Unknown address error 550-‘5.4.1 Recipient address rejected: Access denied.  AS (201806281) Christopher E Wright cwright@hcf.com.au 3:15 pm 11 April 2022 Delivery failure – “Unknown address error 550-‘5.4.1 Recipient address rejected: Access denied.  AS (201806281) Based on the fate of the great majority of the letters that I have attempted to send to the Directors of HCF on 11 April 2022, I draw the following (obvious) inferences. Because I have been persistently writing to HCF pointing out its refusal to obey the law, Ms Jack instructed the relevant computer people to alert her whenever any emails from johnhankin@internode.on.net were sent to HCF.  I imagine this instruction ensured that any emails from me automatically went to Ms Jack before being received by the designated addressee. When my letter addressed to you was sent at 3:03 on 11 April 2022, Ms Jack was alerted to the receipt of the letter, quickly scanned it and saw that similar letters were being sent to all Directors. To try and ensure that my letters did not get received by the Directors, Ms Jack ordered the relevant computer people to quickly disable and disconnect all Director email addresses except that for you and herself. Because of what happened on 11 April 2022, I am of the view that any attempt to write to you or any other Director at the HCF email address will be permitted only on such terms (if any) as might be imposed by Ms Jack at the time. Because any attempt to communicate with you or your fellow Directors has a high chance of failing if the communication is addressed through the HCF address, using the HCF email addresses is a waste of time. Ms Jack’s prime consideration in relation to this sad and tawdry affair is protection of herself and her cronies – not obedience of the law. The Legal Exposure of HCF Directors In my letter to you dated 11 April 2022, I concluded by saying this. “I recommend that you commence an immediate investigation into the atrocious conduct by the company of which you are a Director.  It is your personal duty to take immediate effective steps to bring this conduct to an end.  Now that I have alerted you personally to what your company has been doing, any failure by you to bring an end to this conduct will entail personal liability by you for that conduct.  I hope that a desire to stamp out evil behaviour might provide a sufficient incentive for you to act appropriately.  If morality is not a sufficient incentive for upright action, perhaps fear of the personal consequences for you will provide the necessary impetus.” In my letter dated 11 April 2022, I provided you and your fellow Directors with detailed information about the crimes being committed by the company of which you are all Directors.  Because you have been provided with such detailed information, it is legally impossible for any of you to claim that you have no legal liability because you were unaware of what has been happening.  Once you were provided with the relevant information, the law required all of you to take appropriate action to bring an end to that unlawful conduct.

Continued in Blog No. 187.