Ibs-qveen - Chronic Illness

anyway here's to disabled people who are not healing. disabled people who are not recovering, ever. people with disabilities that only get worse and worse over time. people who cannot access treatment for their disabilities or whose disabilities simply aren't treatable. people who know they'll only get more and more disabled as time goes on. people who know their disability will kill them sooner or later. you are seen, you are important, you are not dead weight, and you deserve support.

[Text ID: "Just in case you needed to hear it, you deserve to be treated by a medical professional who listens to you, believes you, who never makes you question yourself, and who dies everything they can to help you."

By: chronicloveclub

End ID]

Before you pay that not-covered hospital bill:

I want to take a min to spread awareness for the No Surprises Act after noticing a reddit post earlier.

This protection for patients just popped up in the past couple years, and the one major downside is that it's up to the patients to speak up to make use of it, but not everyone knows what it is.

"If you have private health insurance, these new protections ban the most common types of surprise bills. If you’re uninsured or you decide not to use your health insurance for a service, under these protections, you can often get a good faith estimate of the cost of your care up front, before your visit."

Consumer fact sheet

Typically, health insurance companies will help pay for bills from "in-network" providers, AKA their VIP inner circle gang turf. They won't help pay if you get medical care from another gang's henchmen (out of network).

This means that sometimes, a person would go to the hospital, which they knew had been covered by their insurance before, so they expect it's going to be relatively affordable. But they didn't know that multiple medical "gangs" were working in the same hospital. Their anesthesiologist, for example, was from a different gang. That specialist was out of network even though the surgeon and nurses were all in network.

Boom. Big bill for thousands of dollars and their insurance refuses to help pay it.

But now we have this law! The No Surprises Act means that insurance companies need to cover "surprise" expenses (under certain conditions).

If you don't have health insurance, hospitals and clinics need to give you an accurate quote before you get services, then foot the bill if they were too far off the mark.

The Fact Sheet section of the Centers for Medicare and Medicaid services have some wonderful user-friendly resources for you about health insurance and how this act works.

Keep in mind that Medicare and government-run programs always have weird rules for everything, so you might have different (yet similar) protections through those programs.

If you have a medical bill that wasn't covered by insurance and you think it might count as a surprise bill, please check out your rights and consider fighting it instead of letting it become a stressful expense or debt you can't repay.

Go here to start figuring things out for your situation:

Health insurance companies have way, waaaaay too much power over our lives. We need every drop of protection we can get - but it only counts as much as we can understand and use those protections!

This site comes recommended by a friend of the blog, and oh boy does it look useful! Since it’s meant for use by doctors as well, the information it will give you doesn’t go through the kinds of “for the patient” filters you’d see on sites like WebMD.

The interface is clean and simple, and once you’ve gotten a list of conditions and selected one to investigate, it opens an on-the-page window for you with the Merck Manual’s entry. There’s in-depth data, a quick-view of the highlights of the condition, and there are even links out to other providers like Mayo Clinic, Medline, WebMD, Google, and more.

What’s particularly nice is that when you’re done looking at one condition, you can click “back to results” to get straight back to the list.

This one seems to do a good job of pulling up the common but quote-unquote rare diseases in the list, which certainly makes it feel a little more trustworthy.

Nonbinary folks, do note that it requires you to enter a binary gender.

Introduction

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

hey guys psa regarding hospital bills

don’t just pay it. do not automatically pay the hospital bill when you receive it. call your health insurance provider and POLITELY say, “excuse me, i just received a bill for $1200 for my hospital visit/ER visit/etc., is that the correct amount i’m supposed to pay?” because hospitals bill you before your health insurance and they will take your money no matter how the amount due may change based on your health insurance looking at it. 90% of the time, if your health insurance is in any way involved in the payment of that bill, you do not have to pay as much as the hospital is billing you for. call your health insurance provider first, and POLITELY request clarification, always remember that the person you are talking to is human and this is just their job, and then you will very likely find out you actually only owe $500.

don’t shout at anyone about it, don’t get mad, just understand that this is The Way Things Are right now and call your health insurance provider before paying the bill your hospital just sent you. there’s a chance the hospital bill might be correct, true, but call your health insurance provider.

Having conditions affecting the digestive and excretory systems is just so isolating.

Because even in semi-disability-aware spaces, talking about symptoms relating to the GI and excretory systems is still treated as TMI, as gross.

Even friends and family members are grossed out just seeing us put laxative in our water, or run to the bathroom all the time, or sit weirdly because of an immensely painful gas bubble.

And we internalize this shame so much that when we actually have to describe our symptoms in a medical setting, we hold back, and use euphemisms, because we're so used to having to do so.

It's so so isolating.

doctors offices are always like BE ON TIME IF YOU'RE MORE THAN FIVE MINUTES LATE WE'LL EXILE YOU TO MARS meanwhile you get there on time and wait a minimum of 20 minutes

i have no words

source