Useful information
*banging metal objects together*
𝐏𝐈𝐍𝐍𝐄𝐃
𝐚𝐛𝐨𝐮𝐭 𝐦𝐞 : lexi / 24 / gad & ibs
𝐛𝐥𝐨𝐠 𝐭𝐨𝐩𝐢𝐜𝐬 : chronic illness / disability / invisible disability / gut health / mental illness / advocacy
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!
Some people don’t want to hear this but sometimes accessibility is not sustainable or eco-friendly. Disabled people sometimes need straws, or pre-made meals in plastic containers, or single-use items. Just because you can work with your foods in their least processed and packaged form doesn’t mean everyone else can.
When a chronically ill or disabled person gets their lab tests back as “normal” or all clear, we aren’t sad because we WANT to be sick.
We’re sad because we *know* there’s something wrong with us, yet the scans still stay clear.
Before you kill the monster you gotta know its name.
Chronic pain things😎
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.