“Some of us are becoming the men we wanted to marry.”
- Gloria Steinem
04
Oct
2009
Apparently, John Boehner hasn’t “met one American” who supports a public health insurance option (you know, like our public postal option, public library option, and public security [police] option). I think our current public services have improved the public good and kept private costs down for the same services, and I believe it will do the same for health insurance.
If you think so too, you can sign the petition here.
31
Aug
2009
In conversation with my mother:
“Well, with this Obamacare thing, we’ll all get rationed healthcare.”
“Mom, do you even know what `public option’ means?”
“The government’s taking over healthcare!”
“Mom, the government isn’t running healthcare. All they want to do is expand Medicare to cover people who don’t have insurance or are underinsured. That’s it.”
(long pause)
“Are you SURE?”
“Yes, mom. I have a chronic health condition. This is something I actually looked into.”
“Well, what’s to stop employers from just dropping our insurance then, if there’s a public option?”
“Because Medicare SUCKS, mom. Doctors treat you like crap. You still pay copays for insurance. It’s a shitty insurance program for poor and desperate people. Nobody fucking wants to be on Medicare. But for poor people, or people with chronic conditions, or other folks who can’t afford health insurance – it’s *something.*”
“But –”
“Ok, mom. Think of it this way. It’s like the post office. You can go to the post office and have a letter sent for cheap, and it takes 5-7 days to get there, right? And you wait in a long line and the employees are surly. Or you can go to UPS or Fedex and get it shipped overnight and walk right up to the counter and everyone treats you great. You still get your letter sent. It’s just that the service and speed you get from the post office sucks compared to UPS and Fedex. But! It’s affordable. The postal service makes it possible for everyone to send a letter, not just rich people. All they want to do is create an insurance version of the U.S. postal service. And the post office certainly hasn’t put DHL, Fedex, or UPS out of business.”
“Are you SURE?”
“Yes, mom.”
“But… then why do they make it sound like a government takeover of healthcare?”
“Speaking as somebody in marketing and communications, I can tell you exactly what I’d say as a communications manager at a big insurance company… and `government takeover of healthcare’ is it. These are the same talking points the insurance companies dragged out back in 1993, the last time we tried to get healthcare reform going. Because the other stuff in this bill – which the insurance companies aren’t keen on advertising – is that there’s going to be a lot more regulation for the insurance companies. Dropping bank regulations on the banking industry in the 90s helped create the greedy meltdown last year, and having an unregulated insurance industry is what’s turning health care into a greedy meltdown. The bill will eliminate lifetime caps on coverage and force them to cover people with pre-existing conditions (among other things). These companies make billions of dollars a year. This is their marketing strategy. Tell people the government’s taking over healthcare, and people freak out. I do a lot of marketing stuff. I provide people with a lot of talking points. Now think of somebody who’s making about 8 times what I make sending press releases to every talk show host and major news outlet in America about what’s become a totally political issue and spending millions in money lobbying your representatives. Scary talking points make much better news than `expanding Medicare.’ People who are afraid are really easy to manipulate.”
“Well, I just don’t know how it’ll all turn out.”
“I don’t either. But it’ll be really interesting to find out.”
(for those interested, here is the actual latest version of the bill. Wiki-like forum where you can actually comment on diff’t sections of the bill. Very cool.)
30
Aug
2009
18
Aug
2009
15
Aug
2009
What I love about reading Diabetes Mine (she’s another Omnipod Pump user) is that pretty much anything that’s happened to her while using the pump also, eventually, happens to me. She’s got an incredible resource of t1 diabetes information that has really helped me get a handle on my illness and the most up to date info. There’s nothing like reading the musings of another t1 who strives for optimum health.
I’ve been debating about whether to visit Urgency Care for my pump site infection, which, sadly, has not gotten better despite cleaning and dressing twice a day for the last two days (discovered it Thursday night when I pulled off my old pump to change it out).
Finally, I did some googling today and found this post about Amy’s own pump site infection, which pretty much looks exactly like mine (only mine is on my thigh, and is redder than hers, as I was silly enough not to jump over to the doc immediately, as she did).
As I cleaned and drained the wound again tonight, I realized that if J. had something that looked this bad, I’d make him go to Urgency Care.
Yeah. Urgency Care tomorrow for me. Bah. I fucking hate doctors.
15
Aug
2009
I’m all for healthy debate, but please, folks, read the facts before you go debating. Otherwise it’s not debate, it’s “OMG MY DEEP SEATED FEARS VOMITED IN PUBLIC AND CRAZY KNEE JERK REACTIONS TO DEEP SEATED PERSONAL ANXIETIES AND OMG DEATH PANELS” and that’s just… not helpful.
Facts about healthcare reform here.
27
May
2009
I’ve put on six pounds since J. and I moved in together, largely due to the lack of gym across the street (I got used to the convenience of the gym at The Greene), and our shared love of good food. And, OK, some of this is also weight I put on *because* of the new “low rep, heavy weight” routine with our trainers at work, which has really nicely increased my muscle mass, but I’m not silly enough to delude myself into thinking I’ve gained 6 lbs of muscle in 8 weeks.
And… well, let’s face it: I’m not functioning optiminally when I’m not eating right and exercising regularly. I’ve been trying to get off carbs for good the last few weeks, but there’s the inevitable, “Oh, I’ll treat myself to a few fries at Red Robin” or “Oh, Donatoes pizza isn’t actually as bad for me as those thick crust pizzas,” and then I’m back on the sugar rollercoaster again, and it always takes me a day or two to get back into prime head functioning.
I really needed to be able to write with a clear head.
So, enough was enough. I was just feeling far too doughy. Biking to work every day wasn’t making up for the extra workout or two a week that I’ve been missing since I moved.
So I started penciling in 20 minutes of cardio twice a week (Tae bo) and 20 minutes of pilates twice a week (on the days I also do strength training at the gym). Pair this with the 2 miles on the bike every day, and it should kick me back into gear. I also decided to start packing reasonable lunches. One enchilada or chicken wrap paired with string cheese and peanuts is perfectly fine. I really don’t need two.
Next stop is to curb my soda intake. We drink Coke Zero here like it’s going out of style. Having cold drinks in the fridge is especially tempting now when it’s so damn hot outside. I’m subbing those out again with homemade iced tea. Not only is the soda expensive, but drinking more than one or two disrupts my sleep and tends to trigger my desire for something sweet to go with it.
Strengthwise, however, I’ve been pretty happy with my new routine with the personal trainers at work. What I love about heavy lifting is that you can see the results within just a couple of weeks. Getting up the pedestrian walkway over the highway on my bike has gotten easier and easier. I went from 3rd gear on my bike to 6th gear in just a couple of weeks of riding, and I know some of that is a result of the lower body training I’m doing during my workouts.
Should take a couple of weeks to norm the new routine. Already feeling far less fuzzy headed. Ah, sugar sugar.
07
Jan
2009
Here are some tips on how to get an insurance claim expedited by your health insurance provider. I deal with UHC. Your mileage may vary:
1)Be sure all of your paperwork is in order. Before you start fighting, be sure the company has all the proper forms on file. There’s nothing you can do if the right forms haven’t reached them.
2)Send a formal letter asking them to review the claim. A formal request for review gets logged in their system. The one from your medical provider does too, but it’s not as potent as the one you send. Also, mention things like being prepared to file a formal complaint with the Attorney General. And mean it. If you aren’t prepared to do this, you aren’t ready to do what I just did below.
3)Prepare to spend 4-6 hours of time on the phone over several days. Once I get really good at this, I’d like to get it down to 1 day, but for now, prepare for about 2-3 days of haggling.
4)Keep a record of dates/names/times you contacted people. What company you called. What they said. Ideally, you’d never get disconnected or have to call back, but inevitably, you will be telling your story to several people several times. Cut down on the number of people you have to start the process over with again by hanging on the line and just being transferred as long as possible. Tell them you won’t get off the phone until the issue is resolved.
5)When you reach Customer Service, ask to speak to a supervisor. Whatever you do, don’t get stuck with a first-pickup person. You want to get to the third tier. Immediately state that you have an expedited claim. The second are the second tier folks may have different names: Rapid Resolution Specialists, Resolution Specialists, Resolution Managers, Customer Care Managers, Customer Care Specialists…Once you have a reference number (ask for this once you reach a resolution manager) you can just immediately ask the support person to transfer you. Customer Service is the first line of defense, and all they can do is read to you what you see on your own screen when you log into your insurance account online. Nobody can do anything to physically change your account until you get to at least a 3rd tier person. That means getting to the supervisor/resolution specialist’s supervisor, at the very list.
6)Have a list of ways that you will escalate the call. “If they say this, I will respond with this.” Sometimes you have to hang up and call back several times before you can frame your argument correctly. This is understandable, since we’re often pretty emotional when battling for health services.
7)DON’T EVER LOSE YOUR TEMPER OR GET EMOTIONAL. Don’t EVER lose it with a customer service rep. Be firm, but not hysterical. I lost it twice along the line, and got stonewalled both times. The first time, I had to call back and start all over again with a different rep. The second time, I apologized, explained the situation, and got the payment processed in 30 minutes. Stay calm, but firm. Firm is good. Have your situation story written down so you can recite it calmly. You’ll be repeating it a lot.
Here’s an example of how to keep a record of your contact with the various folks involved in resolving a major health insurance issue (and yes, I know, it would be wickedly funny if it wasn’t true).
December 17th, 2008
So, Jason at CCS Medical, provider of my Omnipod insulin pods, contacts me and says they are withholding my Omnipod shipments until UHC pays outstanding claims from 7/1 and 10/1. UHC claims that the provider is Out of Network. This is untrue, as they have already signed paperwork with CCS Medical to get the in-network rate. They already have the pre-authorization form on file. They’ve had the paperwork for 6 months. Prior to that, it took a year of bullying from Omnipod just to get approved.
Now that it’s approved, UHC isn’t paying.
Jason says they submitted a formal review of these claims to UHC on 12/4 and have still not been paid. He advises me to put pressure on UHC. Mmmm pressure.
December 17th, 2008
I call UHC. The claims rep says it takes 30 days to review claims. I should wait another two weeks for the Dec. 4th claim to be processed.
I submit a written request for review of claims to UHC. This includes EOB documentation and threats about filing a complaint with the Attorney General (not just threats, actually. This same day, I request a list of the other outstanding complaints against UHC in order to prepare my own. I prepared early for the long haul).
December 22nd, 2008
UHC receives my request for review. CCS Medical calls and is told it will be another 2 weeks to correct these claims (I learn this on the 5th).
December 24th, 2008
I check the status of my claims. My online UHC records show that the 7/1 claim is in the process of being adjusted. Somehow. It involved a duplication of the claim, only with a “– “next to it, which I could not understand but figured must mean something was happening to the claim. There was no other explanation. Just the duplicate claim with minus marks next to it.
With three days left until my shipment is due to go out, I call UHC to inquire about what’s going on with the adjustment of the claim submitted on 12/4. I’m told it will be another two weeks.
I ask to speak to a supervisor. I’m told there is no supervisor. I just need to be patient.
I call CCS medical and tell them that the claim is being processed. The Rep from CCS medical gives me a breakdown of their previous contact with UHC (see above). She offers tips on how to bully my way past the customer service rep.
I call UHC back and use bullying techniques (buzz words like “rush,” “expedite” and “this is not acceptable” and “today.” Because resolution of this claim will result in failure to deliver much-needed medical supplies, I explain this loudly and often. The fact that it’s true, and the idea of going back to shots terrifies me, helps me with my argument. I do, in fact, need this expedited. Today. Now.). I am transferred to a Rapid Resolution Specialist. Specialist assures me that claim is being processed and will certainly be processed this week. If it’s not processed by Wednesday, I should call back then and hold a conference call with UHC and CCS Medical to get things sorted out.
At this point, I am exhausted, and out of fight. Fighting for a shipment reminds me of how much better I’ve felt since going on the pump, and how much shittier my life will be without it. That’s the thing with switching to a pump. If you’ve never had it, you don’t know what you’re missing. Once you’ve had it, you realize how much better your life can be. When someone tries to take that away, it’s terrifying.
I hang up.
January 6th, 2009
8:00 am –After a long night spent detailing my escalation procedures (including a list of “if they say this, I say this,” prompts to help me when I get overly emotional about it) I call UHC and ask about the status of my claim. They say it is still pending. I tell them I need to put a rush on it.
I ask to be transferred to Rapid Resolution Specialist. She fights it, but eventually transfers me after I tell her it needs to be resolved TODAY so that my medical supplies will ship TOMORROW. Again, the fact that I urgently needed medical supplies NOW was a good selling point, cause let me tell you, I wouldn’t be going through this for a bandaid.
The Rapid Resolution Specialist is surprisingly perplexed and helpful about my claim. She says they can put a rush on it, but it will still be 24-48 hours to process. She warns me, however, that I have a pre-authorization that expired on Dec. 31st. I ask if that will delay payments already not made. She says no. I tell her I’ll advise CCS Medical of this (having no idea who the hell handles pre-authorization forms).
She transfers me to her supervisor, since she has no way to directly change anything on the screen. Supervisor says she and another manager will get it to someone who can actually change the screen and it will be reviewed and out the door today.
RRS supervisor tells me someone WILL contact me either tonight or early tomorrow.
This whole process took about two hours, about an hour and a half of it, total, on hold with UHC. Most of it while the supervisors tried to figure out who the hell they could get to expedite the claim.
7:00 p.m. – Martika from UHC calls and says she spoke to Deanna at CCS. Martika told them my 7/1 and 10/1 claims had been incorrectly processes and would be paid. Martika says that Deanna has released my shipment.
Hooray! I am full of win!!
January 7th, 2009
8:30 a.m. – I call CCS Medical to verify that my shipment has gone out. I’m told it’s still on hold and will not go out today. I’m told there are no notes on the file from Deanna or Martika.
I find this annoying, but not, ultimately, surprising. This is, after all, why I called to verify.
8:45 a.m. – I call Omnipod to see if the holdup is on their end. Perhaps UHC called them instead of CCS?
I get transferred to Billing. Billing sends me to shipping.
I get transferred to Shipping. They tell me to contact CCS medical.
9:30 a.m. – I call CCS Medical back. I speak to L. I tell her to check the notes. I tell them Deanna should have released this from hold. I’m told Deanna didn’t have the authority to do that.
I’m told that it’s because my “pre-authorization form” has expired (as of 12/31/08). It was resubmitted to UHC by CCS Medical yesterday, after they received confirmation that they would receive payment. They could not submit a new pre-authorization form without getting payment first (??).
I tell them this shouldn’t be an issue. I was told all I needed to do to receive today’s shipment was to get them to pay the prior claims.
She says she will call back with more information.
10:45 a.m. – I call CCS Medical. I am told my shipment will ship today and is not on hold!
Hooray! I am full of win!!
11:00 a.m. - I get a call from L. She says I have been misinformed. My shipment will not ship today until the pre-authorization form is processed by UHC. She says they tried to get a rush on it but were denied. She suggests I try and get a rush on it.
12:30 p.m. – I call UHC.
I get Gail in Claims. I tell her August/October/Rush/Expedite/Medical Supplies.
I’m transferred to Coletta the Rapid Resolution Manager. I tell her August/October/Rush/Expedite/Medical Supplies.
I ask to speak to her supervisor, Debbie. I tell her August/October/Rush/Expedite/Medical Supplies.
Debbie tries to stonewall me with, “It’s still processing, process, process, time to process…” This is what every claim rep says first off. What you tell them is that these are urgent medical supplies and they need to go out TODAY. Must be resolved TODAY. Has been processing for SIX WEEKS. ALL FORMS ON FILE.
I lose it with Debbie. I’m afraid this slip up has ruined my chances of getting a resolution. I apologize and explain I’ve spent about six hours on the phone over the last three days with half a dozen people at three different companies.
She says she will contact her manager and call me back. She says she will get it paid today. I told her that’s great – should have happened yesterday. Now I need her to expedite the pre-authorization form. She says they already have a pre-authorization on file for 1/6 to 10/31 2009. She will work on this and get the payment made today.
1:15 p.m. – I call L at CCS Medical and say pre-auth is already on file. She says this isn’t true – UHC was just saying they have a record of it, but it hasn’t been processed. I tell L. that they will call me back today when the claim is paid, and I will get auth # then. L. advises me to conference call in CCS medical with UHC – calls are recorded, and shipment can go out immediately after end of call.
2:10 p.m. – Debbie calls back from UHC. She says the initial 7/1/08 claim has now been paid (record! It’s only been six months!). When I ask about the pre-auth and conference call, she says her department doesn’t handle that: “What we have on file is a… placeholder,” she says. “It’s still being processed.” I ask her to expedite (RUSH, RUSH, EXPEDITE. These are the KEY WORDS). She says to call the department that handles that and gives me the number.
2:15 p.m. - I call the Customer Care Management number (or whatever the hell touchy-feely name they gave this place). I tell her August/October/Rush/Expedite/Medical Supplies. I am told this is the wrong department and given a new phone number and transferred.
2:35 pm. – I speak with Chris? I tell him August/October/Rush/Expedite/Medical Supplies. He finds the actual name of the actual person (with a first and last name!) assigned to work on the actual pre-authorization and transfers me to him (My God!! I’m going down the rabbit hole!!).
2:36 p.m. – I get voicemail for Adam. I say August/October/Rush/Expedite/Medical Supplies call me back immediately here’s my number.
2:45 p.m. – I start to document the whole sordid history of this claim.
3:00 p.m. – Adam calls back!
I am achingly polite to Adam as I tell him the August/October/Rush/Expedite/Medical Supplies story. This is the fifth time I’ve explained it today.
He says this is no longer his case. He transferred it. He gets the name of the manager in charge of the person in charge of the pre-auth (Sandra – he also gave me her last initial. Deeper into the hive I go!). He puts a rush on it (his term is “stat”) and says they will call me back today on the status of the pre-auth.
4:08 p.m. – Jenn from CCS Medical calls and says that UHC has called them and approved the pre-authorization form . The shipment will go out today. She has already personally released it. She asks if I would like it to go 3-day air instead of 5-7 days ground. I say yes, since I only have 6 days of pods (that would be – 2) left.
I will receive my shipment Monday morning.
I hang up.
——–
There is no moral to this story. Oh, what’s the line, what’s the line…
One of the women turned to me just before they left. “We all battle dragons,” she said. “There’s no shame in losing.”
“There’d be no battle,” I said coldly, “without the dragons.”
She grinned, slid her hat back on. “There will always be dragons,” she said. “It’s only a matter of who plays the dragon, who plays the sheep. Which would you rather be?”
06
Jan
2009
Just got a call from UHC at 7:10 tonight.
They’ve called my provider and had them release my shipment.
Omnipods are shipping tomorrow.
Right on time.
See, all you have to do is spend 6 hours over the phone for two days, talk to 8 people, and threaten to file a complaint with the attorney general and you can totally get your approved healthcare costs paid!
It’s like a miracle.
Anybody else need me to fight with their insurance company?
06
Jan
2009
I intend to write up a whole post about how to push at your insurance company.
Another two or three hours total on the phone today, with three different people. Got to the Rapid Resolution Specialist’s supervisor, who contacted *her* supervisor, who got my claim to a claims manager (I know have a claim number) who ASSURES me that it will be resolved and PAID tomorrow morning at the latest.
Then they will CALL my medical provider, tell them the checks have been cut, and give them the check numbers.
This is what they SAY.
They’ve also told me “Don’t call us, we’ll totally call you!”
Ha ha ha. Yeah right, do you think I made it this far by listening to that rule?
If I don’t hear from them by 9am tomorrow, I get to call and do it all over again.
I get further along every time.
Fucking asshats.
You know what? That persistence thing… about how 90% of succeeding as a writer is persistence? That rule applies to living, too. And all the things involved in it.
Good news is, after dealing with UHC, the idea of battling to get a $15 charged knocked off my Verizon bill was small potatoes. Called them immediately after and got the $15 credited to my bill.
I think I’m starting to become a brutal woman in some of those 21st century skills that have replaced the ability to wield a big sword and hit people with it.
Granted, I want to be good at that too.
You never know when you’ll need a big sword.
