Insurance companies are much like employees: We pay them, and they work for us. Sometimes an "employee," such as an insurer, does not deserve your money.

For example: An urgent care doctor treats you and determines a CT scan is needed immediately, but the insurance makes you wait for three hours, as they are doing a prior authorization first.

In all reality, the person who authorizes the MRI or CT is not the doctor or nurse practitioner who just examined you. I ask myself, what right does the insurance company have to delay or deny urgent studies? Does it know what could happen while you are waiting for its ruling?

A doctor's medical decision should be honored by the insurance company for any emergency cases. After all, it is the doctor or nurse practitioner who examined the patient face-to-face and determined the need for the study.

If an insurance company has to think about it first, they are not working in your interest, therefore they do not deserve your hard-earned monthly premium. Next time you choose an "employee" or an insurance company, interview them and find out those little details. May the best insurer/employee win and deserve your "paycheck," your premium. — Patricia Frausto, Central Point

So "lights off" is out. The residents were heard. That's the way it should be.

It seems strange supporting a project to turn lights off in west Medford while supporting one to turn them on in a massive way in east Medford.

The Housing Authority of Jackson County's proposed Cherry Creek project would add the equivalent of floodlights to this neighborhood. It would ruin Donahue-Frohnmayer Park, overwhelm the night sky, destroy the spectacular view of the sunset. Its natural beauty and that feeling of "country" in the middle of the city, the tranquil peacefulness of WinterSpring Memorial Grove, would be lost.

Building multiple two-story apartments right next to it will ensure what everyone sees from the park for generations to come is the back side of a huge, multi-lighting, institutional type complex.

The people this would serve lose, too. It's not just lack of sidewalks; there are limited services, no affordable shopping or places of employment within walking distance. Why build new? Why not refurbish our existing empty buildings? It would actually help improve and stabilize a neighborhood.

If it must be new, build near services and shopping, in areas with at least a hope of employment. Turn the lights out on Cherry Creek. — Kathleen Fritz, Medford

While driving east on Spring from Crater Lake Avenue, I had to almost come to a stop when a group of teenagers were walking along the very narrow dirt path on the side of the road and not being mindful of cars coming their direction. While trying to avoid the trash cans lined up on the street, not hit the group of teens and also avoid the oncoming traffic before going around the group, I slowed to a very slow pace.

Spring Street has a hard time carrying extra people with strollers and others. It will be much more difficult when there are 15 buildings and 400 people on 6 acres. I also feel that the neighborhoods, views and solitude will be greatly impaired with so many buildings and the traffic that comes with that many people.

Please note that HAJC's funds would be put to better use if they bite the bullet, sell the property and put the units on land that will work in a less congested area. — Chris Melton, Medford

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