Ways to Avoid Medical Bankruptcy

Ways to Avoid Medical Bankruptcy

Ways to Avoid Medical Bankruptcy

Forget about the pain and medical challenges of ongoing invisible illnesses and autoimmune disorders for a moment. Consider that one of the biggest issues an Invisible Warrior has to face is the actual cost of being sick. Insurance coverages that don’t cover what you think they should, doctors who bill incorrectly, and exorbitant costs of medical procedures in general can all add up to an all-too-common problem today: medical debt. Or worse, medical bankruptcy.

This article from Advance America gives some great information to help you understand how to negotiate medical bills, reduce hospital bills, and cover your medical bills. CLICK HERE to read it.

One thing this article is no longer completely accurate about is that medical debt is no longer going to go against your credit. However, that’s not to say it’s okay to just not pay your bills. If you owe them, you need to figure out a way to pay them; however, do what you can to reduce them upfront.

(The author is not an accountant, a doctor, or an attorney. Consult your financial advisor about your financial circumstances, your doctor about your medical situation, and your lawyer about any legal issues.)

Ways to Avoid Medical Bankruptcy

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The Trouble with Hotels

The Trouble with Hotels

The Trouble with Hotels

Now that the weather is warming up, people are getting back out on the road and heading for vacations, business, and travel in general. There are often many hassles along the way – airports backed up and planes not flying on time, gas prices are higher than we’ve seen in many years, and the cost of EVERYTHING has skyrocketed. But we don’t generally think of trouble with hotels as being high on the list of potential problems. Yet for those of us with chronic illnesses, autoimmune disorders,  or invisible disabilities, we often find that in fact, accommodations when traveling can be a nightmare.

Not long ago, my husband and I made a trip to New Orleans to visit with a family member that we’d never met before and were super excited for this trip. The hotel was in the middle of the French Quarter and was quite an old building but had been recently renovated – or so we thought. I had made reservations months in advance to make sure that we would have the perfect vacation. I requested a handicapped room with a roll-in shower on the first floor where I could get my electric scooter in and out with no problems.

The first floor was because if there was a reason (like a fire) and the elevators didn’t work, I could get out of the building. I wouldn’t be able to get out in time if I had to take the stairs. The roll-in shower necessary was because I can’t lift my legs to get them over the side of a tub even if there’s a handlebar to hold on to. I have fallen in and out of tubs and have broken my wrist and ankle as a consequence. These requests to me were simple and easy to understand. The reservationist told me that my requests would be fine and that all had been taken care of. I need not worry.

The hotel troubles begin

However, when we got there, we were given a key to the third floor as far from the elevator as you could get. It was difficult to get both my husband and me in the room, let alone my scooter. Going back downstairs to ask why this had happened, they told me there were no rooms available other than this one – take it or leave it. We took it.

We had to leave the scooter parked downstairs in the check-in area and get my push wheelchair out of the trunk. Getting into the teeny-tiny lift, the footrest got caught in the elevator door, and it wouldn’t open. We were stuck for a half hour until my hubby was able to wrangle the footrests off the chair. The door laughed at us then and slid open. I had to hop into the room while the chair was folded up outside and carried in. it had to be placed behind the door which made it very hard to open the door to either get in or out of the room.

When we wanted to leave the hotel, we had to set up the wheelchair again (we just left the footrests in the room, not willing to risk getting stuck in the elevator again) and my hubby pushed me to the elevator and down. We then switched the chair for the scooter and we were off. We reversed the process coming back.

The shower was another thing. While it did have the roll-in feature, the floor was ceramic tile (very pretty but also VERY slippery). I had to have hubby hold me up while I was in there (and the bathroom was also VERY small).

The final straw was the fact that I am allergic to strong smells and have serious asthma attacks where there are colognes or other scents in the air. We walked into this room and it immediately sent me into a coughing and breathing calamity because the smells of cleaning products were so strong. Yes, it was nice that the room was sanitary and clean, but it took two of the seven days we were there to get the smells out. This was because they never came back to provide clean towels or pick up used linens.

It was a nightmare

All in all it was a nightmare. We had a great time, but no thanks to the hotel. We will never stay there again. Sadly, my story, while actually funny now, back in June of 2020 was not funny at all. The hotel blamed their errors on corporate reservation takers and “gifted me” with a 2000-point bonus. The room was $250 a night and you needed like 120,000 points to exchange if you didn’t want to pay cash.

This is not the only time I’ve had issues and I know many other people (both those with and without medical challenges) that have had nightmare experiences in various different hotels around the country. There are government rules such as the ADA that are supposed to help with these situations, but the hotels either take their chances, or work around the laws in one way or another. It is going to take campaigns against them on social media, commenting on their websites, writing to your congressperson, and helping organizations such as Invisible Warriors to fight these battles so that we can enjoy our vacations and traveling experiences, feel safe and want to go back again.

This article by Rebecca Theim shares the troubles and remedies of many travelers with hidden chronic and autoimmune disabilities. If we all take a stand and share our voices, things will change. Working together, we can help eliminate some of the troubles with hotels.

When you are traveling, ask lots of questions when making your reservations, get the name of the person you are speaking with, and make sure that you know your rights. I hope you have a wonderful trip!

The Trouble with Hotels

 

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10 Realistic Goals for Invisible Warriors

10 Realistic Goals for Invisible Warriors

Realistic Goals for Invisible Warriors

We all have those little voices chattering away in our heads telling us, “We’re not good enough,” or that we screwed up again. I know I have to hold conversations with myself daily to make sure they don’t get top placement and my positive thinking crowds out the negative. In other words, I try to have realistic goals for myself.

For those of us with chronic pain and depression, the negative Nelly voices are that much louder, thanks to the real voices of people in our lives who don’t believe our illnesses are real. Or that we’re exaggerating them.

At times, it can get so bad that we start to believe that these things are just in our heads and that we’re going crazy. I know I will be discussing something with my husband, he’ll question what I’m saying, and I have to stop and think, “Maybe he’s right,” although I know full well what I’m saying is correct. He doesn’t mean to be negative, but my poor little brain has to step back and take a minute to realize that I was on the right track all along and stay confident.

This blog post was inspired by the December 2021 Disabled Diva Blog by Cynthia Covert about setting realistic goals, particularly at the new year. Her points apply all year round.

If you’re one of the millions (133m American women) who have some form of chronic illness, autoimmune disorder, or invisible disability, try and pick at least one idea and make it a part of your life.
If you all have other ideas and strategies, please share them in the comments.

Realistic Mental Health Goals For Women with Invisible Illnesses and Disabilities

1. Forgive Yourself

Make it a goal to forgive yourself when you screw up. It’s going to happen. We’re all human, so we all make mistakes. Do what you can to make it right and allow yourself to move on.

2. Unfollow Negativity

If you follow people on social media who cause you unnecessary stress, anger, or sadness, it’s time to let them go. Reading negative posts or comments can affect your attitude. Remove people who are affecting your mental health from your feeds.

3. Stop Blaming Yourself

Not every flare is your fault. You didn’t cause your invisible illness or disability, and if you’re like most Invisible Warriors, you can’t really control it, either. While we can manage our symptoms, we can’t get rid of them. Let your illness take the blame for the flares and not you.

4. Don’t Compare Yourself

This is one thing that can seriously compromise your mental health, so do not compare your life to others. For one thing, they might be suffering from an invisible disability or illness, too, and you just don’t know it! We’re all on different journeys. Focus on what you CAN do, not what others are doing. And celebrate your successes!

5. Try New Things

Some medicines or doctors just don’t work. That’s when it’s time to try something new. Talk with your doctor about alternative options, including more holistic or natural treatments.

Having trouble getting around? Use a mobility aid. Be creative. Maybe find a cool walking stick instead of a boring cane. But choose one that helps you do more without the risk of falling or more pain.

Don’t give up just because what you’ve tried so far hasn’t helped or worked for you yet. Keep trying!

6. Determine to Complain Less

Have you ever stopped to consider how often you complain about your situation? One way to know it’s too much is if people’s eyes glaze over when you start talking about how things are going. Time to stop!

Reframing your thoughts by replacing negative, complaining ones with positive thoughts is a good way to tame the temptation to share all your difficulties with everyone you meet. I don’t mean that you go overboard on positivity, but focusing more on the positive will make you feel better, too. We can all always find at least one thing to be thankful for.

7. Decide to Exercise Daily

No matter what exercising looks like for you, there’s something for everyone. If you can’t run, take a walk. If you aren’t up to an aerobics class, try something at a slower pace like stretching and resistance exercises. If you are fortunate enough to have access to a pool, it’s one of the best ways to get low-impact resistance exercises and feels so good when you’re done. The point is, do something every day to move your body in some way. You’ll feel better.

8. Prioritize Your Health

Self-care is important for all Invisible Warriors. We need to not only see our doctors and follow the treatment plans they give us, but we also need to take time to care for our mental health. Pushing ourselves too hard physically or mentally is a good way to end up in an ER. Love yourself as much as you love the most important people in your life so you can be at your best as much of the time as possible. Spend your “spoons” wisely.

9. Focus on What You Can Do

It’s very easy to focus on what we can’t do as Invisible Warriors but those are things we can’t change and instead take us to dark places in our minds. Instead, we should focus on the things we CAN do. Thinking that way sometimes helps us identify alternative solutions to the things we can’t do.

Life isn’t over because of your invisible illness. It’s just different. What’s something new you can try now? Maybe you have more time resting so you can read books or take online courses to learn new things.

10. Plan Everything with your Invisible Illness in Mind

It will take time to learn if you are newly diagnosed and still figuring out your limitations, but once you have stepped over that obstacle, planning with your limitations in mind will help you live a full life in spite of them and not cause flares that slow you down.

Which realistic goals will you try to add to your life?

Invisible Warriors can help. We have a private community called the Invisible Warriors Club where we come together to discuss our challenges and share our successes and discoveries about living with chronic illness, autoimmune disorders, and invisible disabilities. We welcome you to join us! It’s a low $10/month donation to our nonprofit which helps us advocate more with the hospitality and healthcare industry as well as government agencies to help our Invisible Warriors get the care and accommodations they need not just to survive but thrive. Click the button below to join!

10 Realistic Goals for Invisible Warriors

 

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Arts Contest 2023

Arts Contest 2023

“A Day in the Life of an Invisible Warrior Arts” Contest 2023

Throughout the fall in 2023, friends of Invisible Warriors participated in our annual Arts Contest fundraiser by submitting a picture, poetry or an original composition for our theme, “A Day in the Life of an Invisible Warrior.” We would like to thank everyone who submitted an entry. Your support was much appreciated and your stories moved us.

Thank you to Julie Kozee’s mom who submitted an entry in honor of her Invisible Warrior daughter. Her picture of the lowering clouds over the hillside visualizes an Invisible Warrior’s day, beauty and change at the same time. We love the strength of her family supporting each other!

Big thanks to Elizabeth Pongo for her generous support and submission to the Arts Contest. She shared her thoughts in her entry: “I’m a firm supporter of healing in any way, shape or form. I also believe simple existence is an art, and very challenging at the same time. Nature and animals along with cold water plunges help me on my healing journey.” Her beautiful photos are featured in the post.

Thank you again. We appreciate you!

 

Arts Contest 2023

 

Want to know more about Invisible Warriors? Sign up for our newsletter to receive regular updates. Contact us HERE. Or click the button below to schedule a meeting with Founder Nancy Becher!

Disabilities and The Starbucks Incident

Disabilities and The Starbucks Incident

The Starbucks Incident

Dr. Keith McNally served as a United States Marine in a combat situation – thus, he is a USMC Combat Veteran. By fortune, he does not have a service-related disability as others who have served in the United States Armed Services. This is not his story.

But this could be your story. Or the story of someone you know.

As reported…

An interesting statistic. According to the United States Census Bureau (source below), those who served (or are currently serving) in the United States Armed Forces since the 9/11/01 terrorist attacks in America have the highest rate of services-related disabilities. This comes to a staggering 1.5 million people.

Although the number of service-related fatalities has declined, the number of service-related injuries has increased. This means there are more veterans with service-related disabilities when comparing pre- and post-9/11.

Additionally, veterans who served since the terrorist attacks have a higher probability of incurring a service-related disability (the article is not clear on the reason for this occurrence).

Comparing the rate of service-related disabilities among Post-9/11 veteran statistics with other war and conflict situations:

  • Veterans Post-9/11: 43%
  • Veterans of the Gulf War: 27%
  • Veterans of the Vietnam Conflict: 16%

In this sense, a veteran is said to have a service-related disability if the individual incurred an injury or traumatic event while in service to his/her country. Although we typically consider this as obvious physical injury such as the loss of a limb or one of the five senses (sight, hearing, smell, touch, and taste), the disability or trauma could be psychological or psychiatric in nature. This includes cases where veterans incur symptoms associated with Post-Traumatic Stress Disorder (PTSD), Anxiety Disorder with Panic Attacks, and the like. Veterans with psychological and psychiatric disabilities are on the rise since the 9/11 terrorist attacks.

Source: https://www.census.gov/library/stories/2020/06/who-are-the-nations-veterans.html

On with the story…

A man was sitting in his vehicle at a local shopping area. His car sat in the second row of the parking lot facing the storefronts. It was mid-morning, Saturday, and he was on his cell phone. A large pickup truck pulled into a parking spot in front of him, to this left. It just so happened to be a spot dedicated to the disabled. The man driving the truck parked and got out of his vehicle.

Soon, the man was approached by another man, equal in height, but probably twice his size, most of that muscle. As the man in the vehicle watched, it was not long before he realized what was going on. He told the person on the other end of the cell phone conversation that he had to go. Exiting his own vehicle, he walked over to the two men by the pickup truck.

Sizing them up, the man who pulled into the parking spot was easily six feet tall. So was his confronter.

“What makes you think you can park in this spot?” the big man said. The man’s voice was angry, even to the point of bullying. It looked as if he was about to put his hands on the driver of the pickup truck when the man from the car arrived on the scene.

“Hello gentlemen,” the third man said. “How is everything this morning?”

“This man is parked illegally and needs to be taught a lesson,” the big man said. “I don’t see any handicap.”

The man from the car pulled out his badge and showed it to the two men. “I’ll take it from here,” the officer said.

The big man, still angry, was not easily persuaded to leave.

Validating Your Story

“I’ll take it from here,” the officer said again. He waited until the big man walked away.

“Thank you, officer,” said the man who drove the pickup truck.

“I am going to have to see your driver’s license and registration,” the officer said.

“What for?” the man said. “I didn’t do anything wrong.”

“Routine,” the officer said. “We have people in the area who carry these rearview mirror signs pretending to be disabled. I just want to make sure.”

“Does this look like I’m pretending?” the man said as he pulled up one of his pant legs. The man was showing the officer his prosthetic leg.

“Your license and registration please,” the officer said. “Just to be sure.”

The man climbed into his truck and dug for his registration in the glove compartment. Then he pulled his license from his wallet.

While the officer checked the validity of the driver’s credentials, the driver of the pickup grabbed his cell phone and made a call. When the officer returned, he asked the man to step out of his vehicle.

“Here you go,” the officer said, handing both the license and registration back. “Your bumper sticker reads Special Forces. Where were you stationed?”

“Fort Bragg, North Carolina,” the driver said.

“My cousin was stationed there,” the officer replied.

“Does everything check out?” the man asked.

“Absolutely,” the officer said. “But now I’m curious. How did it happen?”

“My leg?” the man asked. “That’s a story.”

You Are Not Alone

“I’m sure it is,” the officer said. “But I collect stories. You see, my cousin died. We were told it was a ‘training accident’. It might have been, but we’ll never know. Since then, I have been researching the people who have died in ‘training accidents’ while in service to our country. I have five stories so far. I would like to know your story if you have time.”

“Sure,” the man said. “Why not?”

“Great,” the officer said. “Let me buy you a coffee.”

On With Life

Disabilities are not always obvious. In fact, some are hidden in plain sight. When meeting someone for the first time, or even seeing someone over the course of years, you don’t know what they are dealing with or what they’ve been through. But it’s easy to paint a picture of them just by what you see. Often, that picture is wrong.

Invisible disabilities are just that – invisible. Someone has suffered something, but that something is not common knowledge. As the saying goes, don’t assume, and don’t judge.

And think before you speak.

Thanks for reading!

 

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Disabilities and The Starbucks Incident

 

 

 

 

 

 

Are You Invisible?

Are You Invisible?

Becoming Visible – the Invisible Warrior!

Are you invisible? 

If you live with chronic pain for whatever reason, and life seems to be fighting against you every step of the way, then you may be invisible. Being invisible means no one is there to help, support, and aid you because no one sees you. And no one sees your pain.

Millions of people live their invisible lives; millions of people live with chronic pain and disabilities. Many are discriminated against in ways with which you might not be familiar. Even though (Federal and State, USA) laws are there to protect those with disabilities, certain industries do not comply with such rules. Even worse, people discriminate against other people.

On Becoming Visible 

If you were to have a conversation with Nancy Becher, your heart would melt.

Talk with anyone with chronic pain, and they will tell you a story. Depending on how the individual copes with the pain daily, that story can have different endings. Most of the time, you will learn three things: when it all started, the complications that resulted, and the multitude of medical professionals who got involved. If you dig a bit deeper, you may also learn that doctors – i.e., medical professionals – may not always believe you.

You read that correctly – medical professionals may not believe your story.

Today, I will tell you about one such story.

Meet Nancy Becher

Nancy and I engage on LinkedIn regularly. As with most things, engagement was slow in the beginning. But I understood Nancy’s passion for others. I connected with her mission – let’s get the word out about those who suffer chronic pain. These people are often overlooked by medical professionals, especially when the source of the pain cannot be easily or readily identified.

Yes, there is an origin story. There is always a Genesis. There is always a point in history where we can say, “yes!” This is when it all started. But chronic pain? Can pain last beyond the healing? These are good questions. However, I do not know the answers. I only know the stories that people tell me.

This is One of Those Stories

“Hello, Nancy,” the doctor said. “What brings you in today?”

Nancy sits in her wheelchair in the doctor’s office. This is a new referral. This is the first meeting between Nancy and the medical professional. Due to struggles with insurance providers, Nancy faces the continual challenge of receiving the appropriate medical care for her needs.

“Doc,” Nancy begins. “I’m in pain.”

Nancy, once again, offers the medical professional a brief backstory and then tells him, “I have Complex Regional Pain Syndrome.”

“You’re lying,” the medical professional follows, “I have never heard of such a thing.”

People, such as Nancy Becher, who live with chronic pain face significant life challenges. Besides the internal struggles they face each day – literally wanting to get up and out of bed knowing that this day will be difficult to cope with emotionally, psychologically, and physically – people with invisible illnesses face socio-economic and other real-life struggles.

Looking back at the conversation with her doctor, how insulted would you feel if your medical professional told you that you were lying about your illness or condition? Surely, the conversation would go south from there. No need to explain the symptoms or problems. You first have to convince the doctor that you’re telling the truth.

Doctor, Meet Google

Let’s set the facts straight.

Complex Regional Pain Syndrome is “a chronic condition that causes long-lasting pain. Normally, pain is short-term and resolves as the body heals. But with this condition, pain doesn’t fade with time. Instead, ongoing pain might get worse instead of better as days and weeks pass.” ~ Hopkins Medicine

People with chronic pain and invisible illnesses embrace stigma, financial challenges, loneliness and isolation, and even suicidal thoughts and ideations on a regular basis. This is not quite the incentive you want to have waking up every morning.

Nancy’s Story

Nancy Becher is the founder of Invisible Warriors, a nonprofit organization focused on providing support and guidance for those who suffer from invisible illnesses. Additionally, she is on a mission to change the stigma associated with illness and disability. With the right support from her community, she also wants to change the way our (USA) federal government creates policies that help people with disabilities.

Nancy has a Master of Science degree in Counseling. Additionally, she is working toward her doctorate in Sociology. In 2022, she studied with Ministry with Disabilities. She is currently working toward her certification. She continues to exemplify the true nature of a life-long learner.

Her Life Changed in 2014

Picking up her parents from a senior center potluck dinner, Nancy was hit by a driver at the event. When the two cars collided, she was knocked from her vehicle, landing in a drainage ditch. Her body was twisted from the impact. As the ambulance came, Nancy could do nothing but writhe in pain and hope for the best. The best never came. No doctor could pinpoint any severe injuries aside from the cuts and scrapes associated with the impact on the ground. It took multiple doctors and many months before a medical professional had the insight to scan her body using an MRI (Magnetic Resonance Imaging).

Nancy was diagnosed with torn tendons, ligaments, and broken bones. This was five to six months after the fact, and by then, the permanent damage to her body had been done.

With surgery, some of the physical injuries were amended, but the pain continued. Eventually, a doctor diagnosed her with ‘Complex Regional Pain Syndrome’ from the prolonged nerve damage over those many months without proper medical care.

Often called the ‘suicide’ disorder, Nancy now faced new problems. How would she exist? What would she do now? How would she cope with the pain? What would prevent her from taking her own life?

Nancy was Determined to Live!

Since then, Nancy has undergone 16 surgeries and two spinal stimulators. She has met with countless medical professionals to find a way to deal with the pain. At this time, there is no solution. But there is hope.

Nancy organized and created Invisible Warriors, a 501c3 non-profit, to help others who are going through similar mental and physical journeys. It is her passion to support others while making it her mission to dialogue with medical professionals. Additionally, she continues to lobby for changes in the insurance, pharmaceutical, and travel industries so that women with hidden chronic and autoimmune disorders can begin to feel that they are not alone.

You are NOT invisible.

Thank you for reading!

Guest post by Dr. Keith McNally

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Are You Invisible?

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