Diary of a mad woman or why is healthcare so messed up?

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The beginning

April 29, 2019

Wednesday January 31, 2018

I felt like someone had hit me in the back of the head with a baseball bat. I had worked until 7pm, came home and suddenly I felt sick. I was feverish and achy. "Dang it. So much for getting a flu shot this year" I thought. I went to bed hoping I would feel better in the morning. I did not feel better in the morning, so I called into work and went back to bed. I sort of staggered around the house when I woke up later. I took my temperature, 100.9....doesn't seem like a realy high temp considering how bad I felt. I took some Tylenol and tried to eat something, but just ate half of a granola bar. We were having some work done on the house, so I told the workers that I was going to be home in bed, but if they needed something, they could holler for me. I went back to bed. Around 7pm, my husband Mark and daughter Claire got home. They were both surprised when I told them I had been sleeping all day as I don't get sick very often. I went back to bed and...

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My Personal Experience

April 5, 2019

I have health coverage thanks to MN Sure/Obama Care (ACA).

I used to have insurance thru my employer, but I had a health scare last February and have been on disability since then. My employer allowed me to keep my insurance until the end of last year, but since I don't have a new employer, we had to sign up for MN Sure. (I have always been the one to provide healthcare for the family. My husband's employer does not offer insurance as it is a mom and pop place.) So I got to experience firsthand how the sign up process works. I was able to do some of my sign up on line but when it got to how much money we make, it was practically impossible to figure out. My husband's income stayed the same but I was getting short and long term disability payments, some of which came like a paycheck from my employer and some were just checks. I wisely went to see a navigator who helped us get approved for coverage with a plan that would allow us to keep our doctors. We did qualify for some tax credit so got a bit of a...

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Taking Things in a New Direction

November 20, 2017

The past couple of days I have been thinking that I should develop a course in teaching people how to manage their own insurance appeals. There are adult education programs, and a lot of companies have what are called "Lunch and Learn" where people bring their bag lunches to a conference room to hear speakers on different topics. I am thinking if I develop a Power Point presentation explaining the process as well as some tutorial items I can put into a folder, that might be a good way to get the word out about what I do and help people to help themselves too. OK....guess I know what I will be doing with whatever free time I have. : ) 

Tags: classes, how to, insurance appeals, lunch and learn, patient advocate

Posted at: 09:40 PM | 0 Comments | Add Comment | Permalink

Good News!

December 16, 2016

Today I got a letter from an external review organization indicating that they had overturned the decision to deny my most recent client coverage for the surgery he had earlier this year. He is not stuck with a bill for over $11,000.  This is my absolute favorite part of my business!

Posted at: 07:27 PM | 0 Comments | Add Comment | Permalink

MNSure Enrollment

December 6, 2016

Today I went with a client to AAA in St Louis Park to get her (and her college age children) signed up for insurance coverage for 2017.  It really wasn't my area of expertise, but I wanted to learn about it in case other clients had requests for such assistance in the future.

The gentleman who helped my client was Guy Milbert and his title is Long Term Care Planning Specialist. (In the world of MNSure, he is considered to be a "broker".) Who knew AAA had this particular kind of service? I certainly didn't.  

He guided my client thru the enrollment process and answered all her questions. What I really liked about him was the fact that he didn't clam up when she asked questions about the different plans that were available. He got to the heart of what was important to her and helped her choose a plan that was similar to what she had before and was already comfortable with.

(We had met with another broker and he seemed to be afraid of giving his opinion and left both of us with the feeling that she wasn't going to get the answers she needed. Just goes...


Tags: aaa, enrollment, mnsure

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Wise Advice

April 3, 2015

Medical Recovery Services Inc posted this on LinkedIn this week:

"If you know of a procedure you must have ahead of time, negotiate with the facility for a price for everything associated with the procedure. Get this in writing and signed by someone in a supervisory position."

I will be giving out this advice to absolutely everyone I know.....clients, family, co-workers and friends.  Everyone should do this every time.  Doing this will go a long way toward keeping your out-of-pocket expenses to a minimum.


Posted at: 08:39 PM | 0 Comments | Add Comment | Permalink


April 1, 2015

This is an amazing time to be alive.  Technology is advancing at an amazing rate.  Most of us have computers in our pocket (smart phones) and we can reach anyone anywhere in the world at a moments notice.  And medical science is increasing at an equally rapid pace.  Tests and scans improve almost daily.  They are currently using polio virus to treat solid brain tumors!  Successfully! What a world!  And of course, all this comes at a cost.  A cost that too frequently gets passed along to the consumer.  Sometimes it's a reasonable share of the cost....sometimes it isn't. No one should pay more than their fare share.  That's not too much to ask.....is it?

Posted at: 04:30 PM | 0 Comments | Add Comment | Permalink

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