Hello! If you've found your way to this blog, congratulations! Or condolences, if the circumstances that brought you here suck. Either way, welcome!
I am someone who works in the health insurance field (and will be remaining anonymous due to my obligations to my employer), so I've got some insider tricks. Not only that, I have multiple chronic conditions which means I've dealt with insurance from both ends.
The purpose of this blog is to help people (Americans, mostly) understand health insurance, how it works, and how to make it work for you.
All this to say, I see a lot of bullshit in my day to day life. I watch people pay more than they should or not receive the care they need because of a lack of understanding and knowledge.
I want to change that, one person at a time.
Below the cut are important posts and resources for basic information. Always feel free to write an ask if you don't see your question answered or want more detail.
**Disclaimer: No information on this blog is legal or medical advice. This is meant to be a resource for common questions or problems people run into. All information on this blog is generalized, and may not apply to your health insurance policy. This is based solely on my experience and is not binding information. The information here does not reflect the opinions or policies reflected by my employer. Always consult a medical professional for health questions, your insurance policy for benefit/claims questions, or a lawyer for legal advice.**
Basic Terminology
Types of Insurance Plans
Calling Your Insurance
So you want to make a doctor appointment...
Preventative vs Routine Services
Investigate Your Providers
Medical Malpractice/Lawsuits
What the &$#* is a claim?
My claim got denied...now what?
How to Pay Your Bill
Collections Agencies and Credit Scores
Medical Binder
HIPAA Part One
Resources:
United States Preventative Services Task Force
Healthcare.gov Preventative Services
what are your thoughts on ibs diagnosis
78% of people reporting to ERs due to IBS have chronic gastritis.
population studies on microscopic colitis are rare, but have found that rates are much much higher on a population level than previously assumed
the symptoms labeled as ibs (diarrhea and constipation with no obvious flags for inflammatory bowel disease) are often treated as an issue of simple dietary intolerances, or as a psychosomatic condition, and people with ibs are told to follow various diets, or to "reduce stress."
these diets tend to be high fiber, which could literally kill someone whose actual issue is gastroparesis, or could severely aggravate microscopic colitis. i know that when i was trying to eat high fiber, my symptoms were completely unmanageable, and switching to a low fiber diet is the only thing that's helped at all. the food intolerance stuff can be really helpful for people who do have rare food intolerances, but for people who actually/also have autoimmune gastritis, it wastes time that could be spent monitoring for gastric atrophy, metaplasias, and precancerous lesions.
the worst part of this is that things like microscopic colitis and h-pylori related chronic gastritis are treatable, either with steroid medication or antibiotics to kill the h-pylori. but if you're dismissed with "dietary changes" or "reduce stress," then you're not getting treated for conditions that can cause really serious tissue damage and increase your cancer risk.
basically ibs is a "fuck you get out of my office" diagnosis
I love a good medical drama. My mother, a nurse, raised me on ER and General Hospital, always pointing out all the plot lines that “would never happen in real life” but were really cool to watch on TV. My mother credits ER with pushing her toward her decades-long career in the operating room. So when I, a poor lost college sophomore who had gone to school to play French horn (French horn!) and found it wasn’t what I thought it would be, I did what I knew best to do and turned to TV. And on TV, I found House.
House had it all: a painkiller-addicted doctor with a smart mouth and a slap-worthy face, medical mysteries solved via CSI-style case-of-the-week format, and a beleaguered crew of sidekick physicians whose instincts were never quite as good as House’s. I would spend each episode studying the setup and trying to unravel what the medical culprit could be before the ultimate reveal. Instead of realizing that what I might want to be was a writer with a good plot, I missed the mark and decided I wanted to be a doctor.
Want to feel like you’re watching House, M.D. this Tuesday morning? Dig into Lisa Bubert’s new reading list on medical mysteries!
Chronic pain things😎