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Need solutions for the medication, medical appliances and/or medical travel that you can't afford? READ EMPOWER Yourself.

A Health Information Management professional, I survived a life-threatening emergency with information that only a person of my professional experience would know. And I’m sharing it!

Showing posts with label medical debt. Show all posts
Showing posts with label medical debt. Show all posts

Friday, January 4, 2019

Getting Past Debt

B'SD

27 Tevet, 5779

How are you feeling?

I'm hoping that y'all are recovered from holiday spats and parties, let alone the travel and excess food. Let's get back on track by doing what we can to solve a persistent medical problem: DEBT.




holds an informative Global Resources section that informs readers of worldwide charitable organizations willing to pay some or all of an applicant's specific medical expenses. That's helpful.

We need financial stability beyond the medical situation, though. With new years' resolutions fresh on your mind, take a look at this financial services information blogpost below. I'm not associated with the company, though it will soon be sharing some thoughts that I prepared for the reading public.

8 Tips for Actually Keeping Your New Year’s Resolutions

https://www.opploans.com/blog/8-tips-for-actually-keeping-your-new-years-resolutions/Making New Year’s resolutions is easy. It’s sticking with them that’s hard. Here are some expert tips that can take you from talking the talk to walking the walk.





Want to cope with medical and/or mental health problems, including the expenses for your care? Buy the E-book or print edition of EMPOWER Yourself to Cope with a Medical Challenge



http://www.booklocker.com/p/books/3067.html?s=TrackingCode


Face Your Medical Problems with Dignity. Face Your Future with Optimism.

Fill your wallet and your behaviors with sensible restraint.

Friday, January 6, 2012

Here's What to do if YOUR Doctor Runs Out of Money/Closes the Office

B'SD


11 Tevet 5772






My eyes did double and triple takes when I read this online news item: Doctors Run Out of Money!


Good thing I already wrote the book on how to get help paying YOUR medical bills - including medication, medical appliances and more. It's filled with soothing, you-need-it-now content. Yes, the help you need is here:






Buy cost-cutting, stress-reducing EMPOWER Yourself to Cope with a Medical Challenge at http://booklocker.com/books/3067.html.






Buy the E-book or print edition today for a brighter holiday season: Click on the words EMPOWER Yourself to Cope with a Medical Challenge.

Face Your Medical Problems with Dignity.
Face Your Future with Optimism.



Monday, November 21, 2011

Feeling Like the Turkey at Thanksgiving? Here's How to Restore Your Happiness!

B'SD


24 Cheshvan 5772




Ads all over the world show smiling people and glittering holiday decorations. But you? You're feeling down. Illness. Debt. Lousy relationships. Name the cause.

Americans are about to tuck into turkey dinner with all the trimmings (if you can afford them). Are you scared you'll gag on the food as you choke on negative emotions?

Here's some help to bypass the gastric upset no matter what's bothering you. Clear your mind and heart with this excerpt from




Action Alert

Shape Your Mind for Survival Mode.

Actions, ideas and emotions are very important realities to suffering people if they are physically ill or emotionally out of order. I went through an ordeal that could have broken the bodies and spirits of many people. I understood that I needed to take positive, life-saving actions, to think of positive ideas that strengthened me, and to take positive control of my emotions on many levels.

My medical team and I did not know if I would live past the surgical effort to save me. We knew that the tumor, left untreated, could kill me within the next two years. So, we needed to make our joint rescue efforts as rapidly and as effectively as possible. I needed to respond to every frightening, negative thought with an upbeat, healing thought. You do, too.

The worst thing that could have happened to me back then is that I would have failed to save my life. The BEST thing, however, was that if I succeeded I would have a life. One I wanted to live. You or your loved one may be in the same boat.

Develop a Survival-Mode Mind

In order to have the best happen, I needed to develop a plan of action to save my life and/or the quality of my remaining life. You need to do that, too.

Anyone with a medical crisis is in the same situation: you need to save a life. Yours or the life of someone you love. The quality of that endangered life is just as important as preserving it.

Write the name of the person whose life needs saving in the space provided here or in a keepsake notebook:




List the important actions, ideas, and emotions that can have a positive effect on that person (you and your loved one can prepare this list together):





If you need more space, add a clean piece of paper to the workbook and fill it out or use a keepsake notebook for these fill-in-the-blank exercises.

Create an Attitude of Acceptance

I accepted the very real surgical risk that I might survive with some physical or mental deficits. I did not want to live as a miserable cripple. But, if becoming crippled were to be my fate, I decided that I would be the most with-it, upbeat cripple I could be. I intended to be Yocheved Golani LIVE, not dead. Misery and bitterness are not for me. They cancel out survival and quality of life.

You have to make a similar decision. The Torah tells us to choose life. Mental health practitioners and their clients know that misery is spiritual death. Life is productive, spontaneous, and as happy as you can make it.

Make happiness a hobby. Respond to every frightening, negative thought with an upbeat, healing thought. On purpose.

Pretend that you're willing to explore new opportunities and methodologies until that willingness becomes a natural impulse. Repeated actions can teach you to react in creative, productive ways.

All of us have challenges to overcome. Georgia O'Keefe said it well: "Where I was born and where and how I have lived is unimportant. It is what I have done with where I have been that should be of interest."

Make a list of the difficult ideas and situations you must accept in order to go forward to as much health and dignity as possible (you and your loved ones can prepare this list together. Another person can make you aware of important ideas you haven’t thought of yet.):





If you need more space, add a clean piece of paper to the workbook and fill it out or use a keepsake notebook for these fill-in-the-blank exercises.

Here's a thought you might want to cling to as you groom yourself and others to promote your coping successes:

"Keep away from people who try to belittle your ambitions. Small people always do that, but the really great ones make you feel that you too, can become great." – Mark Twain, beloved American author

Move Beyond Your Sense of Shock: More About Acceptance

Dr. Judith Guedalia is a neuropsychologist at Shaarei Tzedek Hospital in Israel. She specializes in treating victims of terrorist acts. One of her healing techniques is to place her hands around the head of someone lying on a bloody stretcher in the Emergency Room and to ask the person to describe things. She asks them to tell her what they see, hear, and feel as she gently turns their head to face her, to look at the bustling lifesaving activity in the emergency area, and to examine the food she places in their mouths. Dr. Guedalia likes to give Bamba to terror victims. It's a treat with a commonly recognized flavor, associated with pleasant memories. She does all this to help the terror victim realize that they survived the bomb, knifing, or other danger to life. "Victims need to realize that they're alive, not dead," Dr. Guedalia says. "They need to leave their state of shock. Otherwise, it can last forever and they will never again feel joy, never heal."

We need to leave the state of shock that our medical crises give us. That frees us to be happy in the future, and to heal.

Use your senses to the fullest. Tap your feet, clap your hands, smile, walk, smell flowers or a baby's sweet scent, touch textures you enjoy, eat and drink things you desire and in moderation. Listen to sounds you like, such as birdsong, music, laughter, babbling brooks. Dance if at all possible. Giggle on purpose. Decorate your home along Feng Shui principles if you wish. They focus on and promote all kinds of health.

If you want help to remain positive, to pass from a state of shock to a state of active life, I suggest materials by:

Dr. Abraham Low, founder of the Recovery Method and author of Mental Health Through Will-Training. Participate in Recovery meetings if you can. These can be enormously helpful not only to recovering psychiatric patients, but anyone willing to work on improving their mental state.

Dr. Judith Orloff and Dr. Miriam Adahan's book Emotional Maturity Established Through Torah (a manual for spiritual and psychological survival). Certified leaders around the world conduct EMETT meetings. Read the book, attend local meetings if you can, and learn successful techniques for managing your emotions.

Here’s a simple positive action you can take: become the director of your life. Pretend it’s a movie, a book or stage play. Create an appealing setting to convince the main character that he/she is healing. Music can be part of that setting. I suggest that you actually play this composition, and to keep reminding yourself that it is helping in every possible way: Beethoven's String Quartet in A (Opus 132), the one with the movement expressing thanks for recovery from an illness.

Ask trustworthy friends to help you to cope. Confide in a mental health therapist if you need or want one. Any of these actions can help you to avoid compounding a medical crisis with a crisis of mental torture. All of your positive actions can build you up from the inside out.

Prepare your list of upsetting ideas that you need to accept in order to pursue health (you and your loved ones can prepare this list together. Another person's perspective might be helpful now.):





Now list the actions you can take to accept those ideas as you free your focus to concentrate on improving your health (you and your loved ones can prepare this list together for added brain power):





If you need more space, add a clean piece of paper to the workbook and fill it out or use a keepsake notebook for these fill-in-the-blank exercises.

Remain Emotionally, Spiritually, and Physically Strong

"Most people are about as happy as they make up their mind to be… Always bear in mind that your own resolution to succeed is more important than any one thing." - Abraham Lincoln

Frederick Douglass said "If there is no struggle, there is no progress."

"An idealist believes the short run doesn't count. A cynic believes the long run doesn't matter. A realist believes that what is done or left undone in the short run determines the long run." - Sydney J. Harris

You're serious about your goals. You're getting ready to drop any conditions you've set for reaching those goals. Actions teach muscles. Repeated actions teach the mind. Respond to every frightening, negative thought with an upbeat, healing thought. 

Feeling better yet? Watch what happens when you read the part about how charitable organizations are standing by to pay YOUR medical bills! You're might end up laughing out loud when you read the rest of

EMPOWER Yourself to Cope with a Medical Challenge. Buy it at  http://booklocker.com/books/3067.html









Don't be a turkey.







Face Your Medical Problems with Dignity.

Face Your Future with Optimism.

Sunday, November 7, 2010

The Global Day of Jewish Learning and Your Medical Expenses

B'SD

30 Cheshvan 5771



[This essay was prepared in advance of it's appearance today. I ask for your prayers as I face some unusual difficulties. YG].

I'm using November 7th's Global Day of Jewish Learning to share a few ideas with you about health. Financial health, as it relates to your medical life.

Medical problems are scary. The costs they incur add to the fear. A person begins to feel caught in a whirlpool sucking them down into ever-growing DEBT. You wonder if poverty will cause you to suffer worse, maybe to die.

One of the mottos at this blog, "Face Your Medical Problems with Dignity. Face Your Future with Optimism," addresses the nightmare. You need to feel secure that your thinking and planning skills are alright and that your funds are not disappearing in an out-of-control way on you.


Here's a Jewish way of looking at debt that applies to everyone: personal income is decided by GOD at Rosh HaShana (Jewish New Year) day. We then receive what has been predestined for us. Complications may arise in our financial picture, but they're part of that Heavenly accounting system, too.

Shlomo HaMelekh/King Solomon taught in Proverbs 28 that "A person who trusts in The One Above will be full of blessings..." There's more to that quote, but it's a tad off-topic. Let's focus on the trusting GOD part. Tough at times, I know. But a person can develop that trust in baby steps, little by little.

Practice praying in your heart, or even out loud (I do), and tell The Compassionate Creator that you're scared, what you need (specify the solution) and that you appreciate everything that GOD sent your way until now. Ask for clear-headed thinking skills so you can plan sensibly, for help in building your trust in the Creator, and for relief. Simply pour out your heart. Say everything on your mind, in your gut, and weighing on your heart.

I have felt the raw fear and heart-throbbing panic about growing medical debts and grim bottom lines. I'm not lecturing at you, I'm sharing hard-earned insights, coping strategies that eased my blood pressure several notches and helped me to recognize solutions appearing before me. All that was left for me to do was to make some choices. And to realize that G'D was right there with me. You're in the same position.

Rashi, a famous commentator on Jewish issues and Toraitic texts in Medieval times, taught that we need not fear losing our incomes to this or that problem. Why not? Because nothing messes up the Heavenly accounting system. Everyone in the world receives the funds, and spends the funds, allotted in the D'vine accounting system. The accounts are above nature. As events unfold before us, we simply witness the financial playout of what was decreed months ago.

Go ahead. Grumble, sing, weep, talk out loud with GOD. He's a captive audience so to speak. Always available to listen to us cry out and speak up about the issues that concern us.

And remember one more thing: it is a BIG merit in your favor when you pray for the relief of other people and/or take action to help them in some manner. Go ahead. Make someone's day. Speak kind words or take gracious action, maybe even provide some financial insight or assistance.

Do what you can. May Heaven help you as pleasantly as possible,



Get more insights into how you can calm down, focus on solutions and even find affordable alternatives to costly healthcare. Read convenient E-book EMPOWER Yourself to Cope with a Medical Challenge. Buy it from Booklocker at http://www.booklocker.com/books/4244.html

Face Your Medical Problems with Dignity.
Face Your Future with Optimism.


Friday, August 27, 2010

Solve YOUR Medical Problems Affordably & Simply


B'SD

17 Elul 5770


Sadness. Fear. Anger. Poverty. Pain. Isolation. Clueless. Searching for answers, including affordable health care solutions.

Name the feeling that goes with your medical situation. I know it well. So do clients of my coaching services. Readers of my book do, too. You probably want to add stuff to the list of problems we can name.

Want to know why readers of my book and clients of my coaching services are smiling from happiness and relief?

They solved some of their financial and emotional problems. They simplified their schedules and coped better with stress.


How?

They followed up on the suggestions and information I teach and wrote about in






Sales keep rising.


Buy your copy today. Click on: EMPOWER Yourself to Cope with a Medical Challenge.




Face Your Medical Problems with Dignity.
Face Your Future with Optimism.


Sunday, August 9, 2009

Tips for Taming Medical Bills

B'SD

19 Marcheshvan 5769

Medical bills can take the breath out of you. That's NOT what you need while you're facing an illness.


The New York Times Health Blog has some tips for taming those medical bills.

Here's more good news: my forthcoming book lets you know how to organize home health care efforts, too. Coming at you soon, via E-book.



Helping you to minimize the crises in your medical life,

Yocheved Golani
Coping with a Medical Crisis?
Make the Changes You Need in Your Life

Monday, June 8, 2009

Announcing the Reimbursement Wiki


B'SD

16 Sivan 5769


One of the nightmares of medical problems is financial. You - and your medical team - struggle to figure out how to be reimbursed for medical care. The figures add up over time and BIG debts develop.

Here's some good news for American citizens: One of my LinkedIn colleagues (LinkedIn is a sort of Facebook for business professionals) has created a partial solution for the problem:

Announcing the
Reimbursement Wiki

I am announcing the public availability of my Reimbursement Wiki. I have compiled links to coding, coverage, and payment information, as well as information such as the following:

- Medicare (URLs for rules, topics such as surgeries, compounding, CED, MS-DRGs, DME, inpatient list, laboratory and diagnostic testing, etc.)

- Managed Care (URLs for medical/coverage policy sites at various payers, technology assessment organizations, literature on coverage decision making, etc.)

- Medicaid (URLs for CPT/HCPCS code lookup by state for payment info, state fee schedules, drug product data, etc.)

- Payment (URLs for Medicare payment basics, top 200 CPT/HCPCS codes, top 100 lab procedures, literature on drug pricing, etc.)

There is plenty more -
basically reimbursement
and health resources
I have collected in one place
for reference purposes.

The Reimbursement Wiki is an ongoing project of mine, and I add material based on topics of current work, so not all topics are represented equally. Nevertheless, I find it an invaluable resource, and I hope you do, too.

Access to the Reimbursement Wiki is free. The only requirement is to open an www.atwiki.com account. E-mail me your username so I can send you an invitation.

My E-address is scott@argentaadvisors.com.
Or you can contact me via LinkedIn.

OK, class, you now have a terrific tool for being able to better afford expensive medical care. Do your homework. Ask compassionate, detail-oriented friends/family help you to recover monies you deserve according to US law.

I've been on both sides of the hospital bed and I know, reimbursement procedures are tedious, confusing and one great way to zap your sense of humor.

Treat yourself to an emotional recovery.


Buy a copy of
"It's MY Crisis! And I'll Cry if I Need To: A Life Book that Helps You to Dry Your Tears and to Cope with a Medical Challenge" today.

Recharge your smile and sense of a better future. Medical and mental health professionals use the book for this purpose, too.


To your success,

Yojeved Golani
Coping with a Medical Crisis?
Make the Changes You Need in Your Life