Tag: insurance

Insurance Games

Insurance Games

Playing To Win; Playing For Your Future

 

Dealing with insurance can be tricky and often frustrating. I speak from experience.

It’s unfortunate that insurance companies make it so hard to understand the ins and outs of their policies as well as getting approvals especially since those who are trying to get covered are often going through really tough emotional times.

As I got myself prepared for my amputation I was doing everything to prepare myself, mentally, emotionally, physically, and financially seeing as this would be a forever life changing surgery.

My experience was not smooth, nor was it kind, but I figured out how to handle my situation, found my voice, and fought for what was right and what I needed.

Join me this week as I take you on my journey with the games that insurance companies play, and how you can play and beat them at their own game.

 

This is what I fought to get……

 

So I can do this….

 

…And this

 

….And this

 

…And this.

 

 

 

 

 

 

What are you fighting for? And if you’re not fighting for what you want, then who will???

 

Randy and David at The Limb Center and also Limbs For Humanity

 

 

This week, if you are in the middle of a big decision that takes medical insurance, make sure you do your homework and get confirmation about what is covered.

If you have been told “No” by your insurance company then it’s time to fight for what you want and need.

We must fight for ourselves, because only we know exactly what we need and want to make our lives worth living.

Help yourself by fighting for your future. Don’t give up, and don’t take “No” for an answer!

You are a warrior and you are WORTH IT!!

 

Have a blessed week and as always,

Be Healthy,

Be Happy,

Be YOU!!!

 

Much love,

 

 

Dare to Dream

Dare to Dream

You are Special and Deserve It!

 

What do you do when you’re struggling? Maybe you are like me and lost a limb. Maybe you have a plethora of other medical issues and have been wheelchair bound. Or maybe you just can’t get out of your own way and headspace.
Is this you?
I know you want more from life.
You may have even questioned, “Is this all there is for me?”
Don’t give up!
Dream!
Chase answers!
Seek help!
I struggled for 5 years and went through 10 surgeries, only to be left with a leg that only had 20° range of motion and wouldn’t straighten. I could barely move around my home, let alone ski with my family, hike, take the dogs for a walk, or ride a bike.  All dreams that I knew were fading away! Talk about depressing and defeating.
A blood clot was my wake up call and the metaphorical nail. I talked, researched, visited doctors, asked opinions, even spoke with other amputees to make up my mind.
Dare to dream!
Don’t give up!
Join me today to hear how this journey is going and at the end of my podcast listen for my Call to Action for YOU! Let’s do this together!!
Make a list of the dreams you have. List everything that you would love to do, see, experience, try.
Dream big! Don’t be afraid. Spend some quiet time thinking and dreaming. Write them all down.
Now place them in an order that builds upon each other. Maybe some are more accomplishable now and work to build upon the next and so on.
Finally, ask yourself what you need to do to accomplish goal 1, goal 2, etc. Pursue those goals by working through what’s stopping you.  I understand that some may seem really far off based on medical situations. If your goal is to run a 10K and you’re in a new socket then plan to start small. Maybe it’s getting it on and wearing it around your house for a few hours, then for the day around your house. Work toward walking all day in it, out and about. Then work toward walking to the mailbox every day. The next thing you know you’ll be out walking a mile, then 2.
Take your big dreams and break them into small goals to achieve them. Only you know what it will take to get yourself there. For me it was scheduling my amputation, then dealing with that loss, then healing and getting a prosthetic. Finally I registered to run a 10K a year out and worked on strengthening and learning to walk again. Baby steps. I may not have run the whole race but I DID finish!! Then I moved on to my next goal. I had them all mapped out in my head and on my vision board in my bedroom (see the podcast on making a vision board back in season 1) I highly suggest a vision board to help you visualize your dreams and goals!!
Spend the next 7 days dreaming and writing them down.
If you need to talk through your plan please feel free to reach out to me on IG; @BAWarrior360 or Facebook: BAWarrior360
I’d be happy to help in any way I can.
Until next week and as always:
Be Healthy,
Be Happy,
Be YOU!!
You are a Warrior!
Much love,
Angie
You’ve Got to Fight for Your Right….

You’ve Got to Fight for Your Right….

To Party.. I mean, for Medical Insurance

Sorry, I had the Beastie Boys song stuck in my head. But, for real, do what they say and FIGHT for your rights!!!! They know what’s up!

 

The Beastie Boys had it right when they sang, “You’ve got to fight, for your right to party” however I’d say you should also fight for your right to having appropriate medical coverage, and for us amputees, the right to mobility.
As if becoming an amputee is an easy adjustment, mentally, emotionally or physically, we should not have to struggle with the draining process of being initially denied prosthetics and fighting another battle.
Come along with me in this podcast to hear some tips I’ve learned along the way of my own insurance fiasco, denials and all.
Find out what the best piece of advice I was given by my GP prior to my decision to amputate, how I surrounded myself with the right medical team, what I did to “assure” that my insurance plan covered my specific prosthesis and what I did when it all fell apart.
Somewhere along my personal journey I hope you find the tools to help yourself when the time comes to fight for your own medical coverage and how to handle things when they get denied.
Don’t give up!
Never surrender!
Be the squeaky wheel and fight for the life you deserve to live.
Fight!!! Me BEFORE my injury which led to my subsequent amputation
If you know you will need to rely on your medical insurance in the near future, like I did with an amputation, do your research, ask questions, ask more questions. Be prepared!
Don’t take no for an answer-insurance companies always say no first and expect that a majority of people will just quietly go away.
Don’t give up. Ask for help, if you need to, but be proactive, persistent, and strong… for your own health and happiness in the future.
As always,
Be Healthy,
Be Happy,
Be YOU!!!
Much love,
Angie

 

Party For 1

Party For 1

Pity Party For 1, That Is.

 

 

Yep, it happens to us all and this past Monday I got myself into that mindset.
However, looking back now, and even that evening, I realized how lucky I am for all the good in my life. Then I had a good laugh at myself and moved on.
You could say that character building happened that day for me and I wanted to share with you what can happen in my life to show you that we all struggle. No one is exempt from struggles. No one is exempt from feeling sorry for themselves. It’s what we do with those moments that make or break us.
As an amputee we can easily fall into a “poor me” attitude and milk it for all it’s worth, mainly because our wounds are very visible to the world. But that is not a good way to live and quite frankly will only disable us further.
If we feed our brains negative images and comments then it’ll believe what we are saying and thinking. And if we fuel our brain with positivity and happy images it’ll believe that too.
What are you speaking to yourself?
Are you in the middle of your own pity party of 1?
If you are, only you can get yourself out of it. Start by finding things in your life you are grateful for and go from there. Once you realize all that is good in your life you will be able to step away from the moment and put your life back into perspective.
Learn from these moments.
Be a warrior and conquer negativity, don’t let it consume you.
Pity parties are bound to happen, and that’s ok. It’s NOT ok to dwell there for days at a time. It won’t be good for you, your health, or the people around you.
Find what’s good, right, and what makes you happy in your life. Thinking of the people and things you are grateful for and move your negative mindset into positive.
Begin today or tonight.
Each night before going to bed (or first thing when you wake) write down, in a journal, at least 5 things you are grateful for.
It’s as simple as that.
Sometimes we lose sight of the big picture and all that we have. When that happens we need to step back, stop looking at our life under the microscope, and realize all that is good in our life. When we can appreciate our life for what it’s worth, we can handle the moments that test us, and push our buttons, a little bit better.
Will that stop the pity parties? No, but you may find you are not dwelling in that headspace as much and you will also see the health benefits if you continually practice a positive way of thinking.
Give it a try for the next 7 days, until we meet again.
Tell me how you feel after practicing positivity for a week, I’d love to hear how it made you feel, any benefits you saw from it, or what happened in your life that pushed you to that pity party breaking point.
Don’t be ashamed that you went there. Own it and then move on. You’ll be grateful you did!
And as always,
Be healthy,
Be happy,
Be YOU!
Much love,
Angie
One Size Doesn’t Fit All

One Size Doesn’t Fit All

Not All Sockets (or Prosthetists) Are Made the Same

Randy West, myself, and David Banks

 

I consider myself so fortunate to have been directed to The Limb Center by my doctor, Dr. Judd Cummings, as I was planning for my amputation. And I think I am a good judge of character, so when I went in to meet Randy West and David Banks for the first time, pre-amputation, I knew I was getting the best care out there!

Fitting my running blade and trying it out for the first time

 

When I told Randy I wanted to surf and I brought him some surf leg plans he graciously went to work and built it for me,
just because he knew it was my dream!

 

Cheesy, but priceless, photo op with Randy, the Blue guy and my new surf leg!😎

 

They listened to me. They actually HEARD what I was telling them about my dreams, goals and aspirations….as well as my fears and doubts about going through with this surgery.

Not often, but in my situation, I was able to take my test socket out for a “test drive”

 

…and test drive it I did!! A 5K hike! It ended up being a great fit.

 

I had visited another prosthetist’s office before I knew of The Limb Center, and I had a pretty good experience there, too. I also met an amazing young lady who was an above knee amputee and a fighter, while I was there. However, three major factors first swayed me to Randy and David, before I really knew them. 1) They took my insurance- this is VERY important and the other office did not! 2) My doctor was very familiar with them and worked with them directly and, quite frankly, I trusted my surgeon and his opinion in this matter, and 3) David was an above knee amputee with 20+ years of experience being one. He could see things and understand an amputee better just by living it.

Amazing attention to detail, and always teaching me how to be independent,
by showing me how my prosthetic works and fits.

 

Then once I got to meet them and talk through my decision to amputate, I knew that we had a connection far greater than me being an office visit here and there. I had their cell phone numbers, could call or text whenever there was a problem, and time and again, they showed me that I mattered to them.

This is the type of relationship you should have and that you deserve with your prosthetist.

Randy and David join me in this podcast as we discuss the right “fit” in your relationship with your prosthetist, insurance and getting the right coverage, steps to getting your first socket, and when to turn around and walk out of that office and find the right relationship you need to be a healthy, happy amputee.  It can happen, but you need to push that for yourself and know when to do it.

Knowledge is power, and I want to arm you with as much knowledge as I can so you can feel confident and ready to advocate for yourself in the medical field, in your doctor appointments and when finding and working with your prosthetist. When we have knowledge, confidence, and opportunity we can access limitless possibilities in our lives.

 

 

People don’t realize that who you see for your prosthetics is so very important-it can make or break your desire and ability to really live your life after amputation, and it’s a relationship, like family.  You’ll be working with them for years to come so you’ll want to make sure you trust and enjoy working with them.

As always, if you have comments or questions, for me or our guests, please feel free to reach out to me. I’d be happy to help.

Time to do the research and leg work- no pun intended. Talk to people, find social media groups that work with amputees, reach out to the Amputee Coalition and your doctor to see who they recommend as a prosthetist for you.

Once you have found a couple, make an appointment to go talk with them. Read their body language and how they talk with you. Do they want to hear your history, problems, dreams and aspirations? If not, move on to the next appointment. You deserve better, and it’s out there!

Make sure you address insurance issues and coverage with the prosthetist’s office. This is expensive equipment and will need to be upgraded over time- remember, it isn’t growing back so we need to make sure we have some help in coverage of costs.

If you have a prosthetist that you are unhappy with, and they don’t seem to listen or invest any more than your short office visit then you really need to find the courage and tell them it’s not working. If you are seeing someone who,  when you tell them you’re hurting or something doesn’t feel right, and they tell you that it doesn’t get any better and you need to deal with it…that’s a red flag! Time to research other places and prosthetists and find someone who can help.

This is YOUR life and YOUR body. You need to push for the best care so you can live it to the fullest. Don’t be afraid to stand up for your rights. I’m telling you, there are really good practitioners out there, you just need to look and ask the right questions to find them.

I wish you all well, and please don’t hesitate to reach out to me for help.

 

Until next time:

Be Healthy,

Be Happy,

Be YOU

“We cannot change the cards we are dealt, just how we play the game.”

-Randy Pausch