Tag Archives: insurance

The ER: It’s nothing like on TV

Just under 130 million people visit ERs every year, complaining about everything from earaches to broken bones to severe pain. I, myself, have visited the ER more times that I would like to admit, due to some chronic illnesses that love to become acute at the worst of times, combined with a tendency to twist joints in directions they are not meant to go.

Photo by Meaghan Morrison

Photo by Meaghan Morrison

If you’ve never been to the ER, it’s good to know what to expect in advance, because the stress of the situation can easily overwhelm you.

Bring your ID and insurance card: While paperwork is often the last thing you want to think about when dealing with a health crisis, it’s important that you have the necessary documents so that the hospital can easily get you into its system. Without them, it can be a nightmare in the following weeks to  play middle man between the hospital and your insurance company—trust me, I’ve been there. That’s why it’s one of the first things you’ll be asked for: while you’ll never be denied care, insurance or not, having all of your information up-front will save enormous headaches down the road. Usually, registration is quick, and in big emergencies where you can’t really chat with the hospital staff, they’ll get it from a family member or friend as soon as possible. I keep my ID and insurance card with me at all times in my wallet, and I make sure at least one other person can access it: in college, my roommate and I had copies  of everything organized and accessible—it saved the day at least once.

Know your medical history: The first thing you will do after registering in the ER is go through triage, whether you arrive by ambulance or walk through the front door. This is a short process in which a nurse or nurse practitioner will measure your vitals (blood pressure, pulse, oxygen levels, and temperature), find out what symptoms you are experiencing (always be as descriptive and honest as possible—unlike hospitals on TV, they aren’t likely to spend hours and thousands of dollars worth of tests figuring out what you are hiding: drugs, drinking, sex, all of it is important), ask for your pain levels (scale of 1-10), and get your medical history. This will include information like what medication you take, including any vitamins, your drug and alcohol use (again, be honest!), medical conditions, and any past surgeries. If you are female, you will also be asked if there is any chance you could be pregnant and when your last menstrual cycle was (it’s as awkward as it sounds at first, and often I forget—I hate this part). All of this information is key to helping with diagnosis, so it’s important to keep it handy. If you have a few things you need help remembering, keep a list on your phone or somewhere else handy so that the stress of being sick doesn’t cause you to forget the dose of your daily medication or the name of that surgery you had years ago.

The wait: ERs are notorious for their wait times. This is most common in big-city ERs where life-threatening traumas are more commonly experienced. I’ve experienced wait times as short as ten minutes and as long as five hours. It’s a toss-up as to when these times will be the worst, but I’ve found that nighttime is definitely the longest wait. There’s less staff on call, tests take longer, and there are more accidents coming in.. In the end, your wait depends not only on how many people are there but also how ill you are in relation to the other patients. If you are having a long wait and your symptoms change, make sure you let the triage nurse know immediately.

Getting care: Once you are seen, don’t expect there to be a private room: it’s often simply a curtained-off area. This can be extremely awkward at times, because you can hear everything around you. Sometimes it’s difficult to overhear, especially if someone is very sick around you. Other times, you’ll hear the wackiest conversations: I once heard someone find out that they were pregnant with their mother there, and her reaction was hilarious. In the ER, people watching is one of the few forms of entertainment available.

A different nurse will probably take your vitals again, will likely take some blood, and will ask you many of the same questions you were asked in triage. They are required to do this: it’s annoying, especially when you’re stressed and worried, but it ensures that they are getting the right information. Depending on your symptoms and complaints, they may also put you on an IV immediately. An IV is a tube  inserted into a vein, most often in the arm where blood is taken, which facilitates getting fluid into your body (often saline) and medications for pain or nausea. It only takes a minute to insert and, though it’s super uncomfortable, it no longer hurts once it’s in.

After the nurse has seen you, a doctor will follow. Sometimes this wait can also be a bit lengthy, depending on how many people that doctor is covering. He will again ask you about your symptoms and conditions, and may have more extensive questions than you have experienced previously. Depending on your situation, he will then likely order medications or tests to figure out what is going on. Those tests can vary from blood work or urine analysis to an ultrasound, X-ray, or CT scan. Every trip of mine has varied because it really depends on what the issue is. The worst by far for me was when I was in a severe amount of abdominal pain. Seven hours later, I had gone through three rounds of blood work, an ultrasound, a CT scan, and an EKG. Other times, I simply had one test and was out within an hour or two. No matter what, they try to get these done as quickly as possible, but there can be a long wait even when you are in a room.

Leaving the ER: Once the doctor has the results, he or she will either order more tests or, if they’ve found a diagnosis, will get you the right medication or care. Remember that the ERs are for acute care (for sudden and often moderate to severe issues). I’ve always left the ER with a prescription for pain medication or other temporary treatment, with the direction to follow-up with my doctor as soon as possible. Usually, once the major issue is solved, my regular doctors are able to get a better idea of what is wrong and find a long-term solution so that I can avoid acute issues down the road.

If the condition is serious enough, it may warrant admittance to the hospital. I’ve been admitted three times in my life: once right after an emergency surgery, and twice when I spent six days in the hospital before solutions were found and solved by surgeries. Those were expensive, scary, and extreme cases, and I am definitely an exception to the rule: in reality, only about 13% of ER visits result in hospital admissions. Likely, admittance would occur for something like heart trouble, breathing issues that can’t be resolved, severe pain that can’t be managed, dangerous blood pressure, or serious infections. Hospital admissions are expensive and the beds are in high demand, so it requires sound medical necessity. However, if a doctor wants you to be admitted, know that it is in your best interest and they will aim to have you better as soon as possible. It’s always been worth it for me!

Otherwise, it’s back home you go! You will be discharged by your nurse, which, like everything else, can take anywhere from ten minutes to an hour, in my experience. Discharging includes home care instructions, information on your diagnosis, and any prescriptions you might need. Be sure to also request records of any tests you received, so that you can show them to your primary doctor and have them added to your medical file.

ERs are overwhelming places. Sometimes fear of them will keep people from going at all. However, if it could be a medical emergency, you need to make sure you get it checked. It’s never silly to go if you are unsure of a severe pain or of a mystery symptom that concerns you, especially if your doctor is unreachable. And if it’s a critical emergency, never hesitate to call 911 and get an ambulance, as it is always the safest and fastest way to get to the nearest hospital. I’ve arrived at the hospital by ambulance and by my own transportation: sometimes, it was out of my control entirely as I wasn’t the one calling the shots, but other times when I could make my own decisions, I never hesitated to go by ambulance if it was my best bet. Don’t be afraid to call one, despite the possible expense, because it can make all the difference in your situation—some counties even cover the cost of an ambulance for this very reason (mine does!).

Hopefully, you will never need this advice. But if one day you do, you now know how to be prepared and make it just a little bit easier.

Not Going Broke, A How-To

After vacationing in Japan, visiting New York, and moving in with my boyfriend, all within three months, I had a lot of debt and needed to have a plan to get rid of it. I have a decent job that sort of allows me to live comfortably, but the reality is that I needed to budget my spending and hold myself to it. Budgeting my way out of debt and into better savings sucks. It really does, but it’s part of being a responsible adult who maybe wants to buy a house, or get married, or take another big vacation abroad.

Photo by Meaghan Morrison

Photo by Meaghan Morrison

Let’s take a look at how I try to set up my budget, which is generally applicable for a young working professional living in the major Bay Area. Please note that the cost of living can be scaled down (or up) depending on where you live.

How Much Money You Make

For salaried workers, this is pretty simple. How much do you get paid? How often do you get paid? Multiply accordingly to figure out about how much you make each month. For example, let’s say my annual income is $40,000–after taxes. It comes out to about $1,200 per paycheck twice a month. We’ll work with a baseline of $2,400 dollars each month, subtracting as we count our expenses.

Cash Flow: $2,400

How Much You Have to Spend

Car payments, rent, and insurance are some typical costs. These are required for not losing your car, your home, and your health (or maintaining any of the above), and as such, these are your priority payments each month. In addition, since you have to buy gas for your car, you should estimate the average cost of a tank and the number of times you fill up in a month. I generally go to a gas station about three times a month, give or take a week. There’s not really an opportunity for cost savings here, barring trading down your current car and moving back and forth.

Cash Flow: $2,400

Rent: -$700

Car Payment: -$306

Gasoline: -$120

Car / Renter’s Insurance: -$110

Cash Flow after Necessities: $1,164

How Much You Have for Food

Barring rent, food is where I spend the majority of my money each month. Cutting back from having sushi two to three times a week sucked, but I had to devise a plan for saving money where I usually spend the most.

First, I accounted for breakfast and work lunches. I normally don’t eat breakfast, but sometimes I do get coffee. Paying $4 three times a week for a coffee and snack comes to $12 per week for breakfast. For lunch, the cafeteria at my work tends to charge about $6 per meal, but I want a little breathing room to eat out with my co-workers once a week at about $15. A $6 cafeteria lunch four times a week, plus $15 for eating out once a week, comes to $39 per week for lunch. Next, we should account for dinners, desserts, and other snacks you would normally eat at home. I try to eat something of moderate size and of moderate price from the grocery store most nights of the week. This usually comes out to about $10 a day, sometimes serving for two or more.

To account for eating out, I let the cost savings roll over, and try to not binge on alcohol or appetizers. In order to calculate how much you’d spend each month, multiply your weekly costs for breakfast, lunch, and dinner by about 4.3 (the average number of weeks in a month). It isn’t an exact number, but it generally works out to be fairly accurate (and then I round up to the nearest whole dollar).

This part of the budget varies greatly from person to person, as some people care more about what they’re eating, how often they’re eating it, and if they can stand leftovers. I for one don’t mind leftovers, but hate monotony in the variety of my overall meals, so I spend a little more on some meals for bigger tastier foods.

Cash Flow after Necessities: $1,164

Breakfast: -$51

Lunch: -$168

Dinner: -$300

Cash Flow after Food: $645

How Much You Have for Fun

Shit gets tricky here. You have a finite amount of money left this month. You could spend it on drinking, a new pair of shoes, or a coffee table. I like all of these things, but my savings are more important to me. If you don’t have any, what happens when you run into trouble? I’m a bit proud and don’t really want to ask my mom and dad for help, so I put a small, but decent chunk directly into savings.

After that, it’s sort of like juggling. You can revise how much you spend each month on entertainment, such as movies or small trips. Or maybe, you want to spend more money on material things, and go shopping more often. These budgets are flexible because you still have money left over. I recommend that you put anything remaining from your cash flow into savings.

Cash Flow after Food: $645

Savings: -$200

Entertainment: -$120

Shopping: -$200

Cash Flow after Fun: $125

Getting Out of Debt

Above, there’s the basic outline of a budget, but you can see that at the end, there’s not a lot to pay back toward existing bills. Here’s where you look at all the things you’re spending money on and figure out where you can afford to cut back. For example, you don’t really need to spend $200 a month on shopping for new things. This could be cut down to $50 for new games or some new makeup, bringing your debt repayment funds up to $275. Furthermore, not everyone is like me and spends a lot of money on food. Some folks I know spend less than $200 a month on food, and that could be you too! Saving money to pay debt sucks, but it needs to be done if you want to be a financially responsible adult. Just learn to cut where it doesn’t hurt as bad.

Note that if you have long-standing credit card debt, you should try to pay it off first before putting a lot into savings. Your savings doesn’t accrue interest, while owing money to credit card companies costs you more in the long run. You should also aim to pay off your credit cards every month, making the bills in the long term much more manageable.

Making Everything Easier

Finally, work out your budget in Microsoft Excel or Google Spreadsheets: it’s an excellent way to have a copy that you can manipulate and track your progress. Alternatively, you can use a site such as Mint to have them track your spending. Such websites can pull records from your credit cards, bank statements, and other bills to better show much you’ve been spending, and usually they have great ways to analyze your spending or track your goals. You can use these to see where you’ve been putting all your hard-earned cash, so you can decide where you need to cut back.

Good luck with the budgets and the savings!

What to do if you are hit by a car

Traffic accidents are zero fun. Whether yourself or another driver caused them, it inevitably leaves you feeling shaken and vulnerable. But fear not, because it is not the end of the world! Here are a few tips if your car is hit by another vehicle.

Photo by Sara Slattery

Traffic accidents can range from fender benders (which are minor and can sometimes be worked out between the drivers without insurance or police) to full-on impacts that leave cars totaled. Though, hopefully, this piece will help you with your situation, it is important to remember that every accident is different and some situations might differ significantly from what is stated here.

Keep Calm and Pull Over

First things first—when a car hits you, do not panic. This may seem like a hard thing to do, especially if airbags have been deployed, but it is important to remember that staying calm helps other passengers or drivers remain calm as well. Check and see if your passengers are okay. Then, if you can, pull over to the side of the road and put your hazards on. In some cases, it may not be wise to move your car, in case of further damage. Depending on where on the road you were hit, you can determine if it’s safe to pull over or not. (Never leave the scene of an accident without first consulting the other driver or people involved in the accident. If you do, and someone or something is damaged, you could face charges for a hit-and-run, which is much, much worse than any traffic accident).

If this is your first time in an accident, it may feel like the end of the world!  But believe this from someone who has been on the road for a while: as long as your car isn’t totaled, it will be fine (and might look even better than before!) after the insurance pays for it to be fixed up.

Check Out Your Car

The next step is to assess the damage to you and your car. If you don’t have any injuries, you can check your car next. Are there scratches that weren’t there before? What about a dent on the door? Are the mirrors still fully functioning? By running your eyes up and down your car and feeling the area of impact, you will be able to tell what kind of damage you are dealing with and how it affects your car overall. Many times, cars can fully function if it’s not a significant impact, but unless you are an automotive expert, it is better to be safe than sorry.

If you have a camera phone, it’s common to whip it out at this point and document the damage to both cars.

Get Their Digits

Next, exchange information with the other driver: name, phone number, email, address, license plate number, make and model of the car, and their insurance (if they have it). You will need all this information when you contact your insurance company to file a claim. You need to give your information to the other driver, so if you don’t know it off the top of your head it is wise to keep all this info in the passenger glove compartment. If you don’t carry a pen and a pad of paper in your glove compartment, use a camera to photograph their information, or type it into your phone. (And then throw a pen and a writing pad in your car for next time!)

You should also be aware of your state’s requirements: in California, even the victim of a fender bender can get a ticket if they are found without their insurance and registration in their car. To find out if it is required for you, just look on your state’s DMV website: they will give you an outline of requirements for owning your car.

Call the Police

After getting all the information, it’s time to call the police. It might feel weird actually dialing 9-1-1, but the police will be able to act as a mediator between you and the other driver. A police report will be filed with your information, too, which is always helpful when filing insurance claims. Officers are usually very nice when it comes to traffic accidents and will only ask one or two questions depending on the damage done. If your story is different from the other driver’s, don’t panic and stick to your story.

It is important to note here that it is wise to never admit fault to the other driver or the police until you talk to your insurance company or, if necessary, legal counsel. This might sound untruthful or wrong, but sometimes traffic accidents can be chaotic and it might not be evident whose fault the accident was. Just keep your cool, tell your story, and you’ll be fine.

Examine Your Witnesses

If you talk to any witnesses, get their information as well. If it is a significant accident, police will often do this job for you, but you might need the witnesses’ help if you have to proceed legally. Ask them what they saw and if they have witnessed other accidents in the same area before. Usually you won’t need witnesses unless there is significant damage done to you or your car, so it’s up to you whether you want their help or not.

File a Claim

Finally, it’s time to contact your insurance company. Call them and tell them exactly what happened, or go online and file a claim from their website. If you lie, you could be denied coverage in the future. This phone call is very easy, though tedious, but insurance workers are usually very helpful and specific about what they need from you. As long as you have all the necessary information for your car and from the other driver, it will be as simple and quick as possible.

If your accident is minor, then your insurance company should have the matter worked out within a couple of weeks. However, the more significant the damage to you or your car, the longer the matter can take to settle, so keep track of what’s happening! Keep any pictures of any injuries and damage to your car safe and organized. Get estimates of property damage, and cooperate with your insurance company. And be patient! Sometimes it takes a while for claims to be reported or settled. Your insurance company will be in contact with you when they need you.

Being hit by a car can be exhausting, tedious, and heartbreaking, depending on the damage. But as long as you and everyone else at the incident is okay, you will be able to get through it. And never buy a car unless you can also afford insurance: it could be what saves your life!

Disputing a Medical Bill

Usually, when navigating the confusing world of health insurance, after every procedure, check-up, etc., you get a lovely little statement from your insurance company. I liked these—mostly because they said “Amount You Owe: $0.” Until last year, when a tiny billing discrepancy with my dentist crumbled into a massive back-office mess. My dentist was really good, and I truly used to like her, but in 2012—almost 3 years after I started seeing her—I got a big bill.  As in a several thousand dollar bill. There had to be a mix up! I just assumed they must have billed me for the wrong procedure and all would be straightened out soon enough.

So, I called in. Turns out, the dental office had only received checks for one or two of my seven appointments. Then, I called my insurance company, who told me that the practice had to call them to figure it out. I called the dentist back, and her office told me to hang tight. Three months later, we had the same conversation. And again at the six month mark.

Finally, when we rolled into 2013, I got another bill, and I was fed up. No one from my insurance company or my dentist’s office was listening to me.

And then I discovered how to dispute a claim. And now, I can tell you.

To clarify, this dispute didn’t involve lawyers—if you want to read about that, you can hit up Google. I contested this myself.

First, find out how to file a grievance with your health insurance provider. A grievance is a basically a formal complaint. You can actually call in a grievance, but I chose to file one online because it was quick and I had a written record afterwards.

Grievance forms ask standard questions such as when the incident occurred, who the persons involved were, and what exactly happened. Awesomely, grievance forms also ask you if you tried to handle the issue on your own, what the outcome of your discussion with the providers was, and (perhaps most importantly) what you want the outcome to be.

My dispute ended there. Problem solved: I ended up only owing a mere $9.

But, let’s say your insurance company doesn’t do a great job at responding in a timely manner. You have rights. These are usually spelled out by your insurance company at the bottom of the grievance form. In my case, the insurance company had 30 days to give me a written decision. If I was in that process longer than 30 days, I could file a grievance with my state. This is often done through a branch of the health department, usually called the Department of Managed Health Care or something similar.

No insurance company wants to get the state involved, so hopefully you won’t ever get this far. If things still haven’t cleared up, you have other options before even hiring a lawyer, such as contacting your State Insurance Commissioner. This government line of defense can help you in more areas than just insurance issues. When a friend of mine was going back and forth with AT&T for months on replacing a faulty landline, she called the Public Utilities Commission and someone high ranking from AT&T called her back within hours.

And then, when it’s all over, be sure to tell your state’s Better Business Bureau. Other consumers can use your experience to make informed decisions about their insurance companies. At this point, you have had a rough experience and you should let other potential customers know.

Pro Tip: When filing a customer service complaint in any area—from health insurance to fast food service—the words Better Business Bureau can often help turn things your way.

In some serious cases, you will need a lawyer’s help; but, know that if you look around there are already many avenues carved out for you to get your problems solved.

MedicalBillsHero

Protect Your Shit: Renter’s Insurance

Congratulations, you signed your lease on your new apartment! You moved in all your furniture, your PlayStation 3, your MacBook Pro, and your collection of Christian Louboutins. Three weeks later, you arrive home to find that your downstairs neighbor didn’t realize blocking the built-in wall heater with a wooden cabinet was a bad idea. Your apartment is scorched, and your belongings have been reduced to ash. But don’t worry—your landlord has insurance, so you’ll be ok… Right?

Actually, no. Your landlord has insured the building but not your personal property within the apartment. Stories like this are why you should consider getting renter’s insurance.

What is renter’s insurance?

Renter’s insurance covers your personal property within your apartment. In the event that it is damaged or stolen, the insurance company will give you the money to replace the lost belongings. (Just like your parents’ house insurance.) Renter’s insurance also provides liability coverage, which can help you if someone gets injured in your apartment.

How much is it?

Most renter’s insurance plans run $10-$35 per month and the price is determined by the size of your apartment, the value of your belongings, and your deductible. Personally, I’d rather pay a little more per month for a lower deductible—to avoid shelling out $500 before the insurance kicks in—but it’s your choice.

But do I really need it?

That really depends on you. One way to determine if you need renter’s insurance is to add up the costs of all your belongings and decide if that cost merits purchasing insurance. (Try using a rate calculator like this one offered by State Farm.) If not, consider less expensive options, such as getting a safety deposit box at a bank for any priceless treasures.

Another thing to consider is the location of your apartment. What’s the crime rate in your area? Have there been a lot of break-ins? Do you live on the ground floor?  Do you live in a town where frozen pipes are common? Are you (or your roommate or your upstairs neighbor) likely to flood your apartment?

Finally, if you are a pet owner, and your pet was to bite another person, your renter’s insurance may be able to protect you from a liability lawsuit. (There is such a thing as pet insurance but it’s pet health insurance, similar to your medical insurance.)

How do I get it?

Progressive, AAA, Geico—any major insurance company—will offer renter’s insurance. I recommend trying to get a plan with the same carrier as your car insurance because they might offer a sweet multi-plan discount.

Am I missing anything?

Be sure to read the fine print for each plan and know exactly what your plan covers. For example some plans only cover damage on particularly valuable objects—such as musical instruments, electronics and fine jewelry—to a certain value. Others may have additional costs for liability coverage. Some policies will still cover stolen or damaged items even when they’re not at home (for example: in your car or hotel room).

But wait: you’re not done yet. Do you live in an area prone to natural disasters such as earthquakes, hurricanes, tornadoes, and/or floods?

You might have to purchase additional insurance to protect yourself. These plans have varying costs and restrictions. For example, residential insurance policies in California no longer cover damage sustained during an earthquake due to the losses sustained during the 1994 Northridge earthquake. You have to purchase additional insurance for this and other natural disasters, outside of your standard renter’s insurance plan. How this insurance is administered is regulated on a state-by-state basis.

In some cases, you may need multiple policies to cover one disaster. There was a lot of controversy after Hurricane Katrina as certain hurricane insurance policies only covered damage due to wind—despite the fact that hurricanes often bring rain and, therefore, floods. Many people were not covered since they had not purchased additional flood insurance.

I’m still not sure, where else can I get information?

Sites like this one from Allstate or this one from Insure.com have explanations of renter’s insurance that can help.

In the end, whether or not you purchase renter’s insurance is a personal decision. Just remember to make sure you know exactly what you’re getting. Nothing is worse than buying into a policy and, when it’s time to cash in, discovering you aren’t covered the way you thought you were.

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Photo by Michelle White