Helping Seniors Find
Equal Access to Quality Health Care
by Rick Wasserman, CSA
The healthcare crisis in the United
States affects most Americans regardless of age but the senior population
including the “Baby Boomers” face the greatest Threat to their quality of life.
Many Americans are suffering from the adverse affects of inadequate health
insurance coverage for themselves or their loved ones.
Patient Advocate Foundation (PAF)
helps patients who are facing insurance issues, job retention issues and debt
crisis issues as a result of their diagnosis of a chronic, life threatening or
debilitating disease. Patient Advocate Foundation is a national 501 (c) 3
non-profit organization dedicated to “Insuring Equal Access to Healthcare for
all Americans One Patient at a Time”.
The National Patient Advocate
Foundation (NPAF) a companion non-profit organization is dedicated to the
mission of creating avenues of patient access to insurance coverage, evolving
therapies, therapeutic agents and devices through legislative and policy reform.
Both organizations receive generous support from major corporations,
associations, universities and private donors.
PAF’s professional case managers,
doctors and healthcare attorneys will personally mediate on the patient’s behalf
with their insurance company, their employer and their creditors to help resolve
the problems that may be preventing the patient from
focusing on getting
well while preserving their financial stability.
Millions of
Americans contacted PAF for information and help. Nearly half of those were
Medicare related.
PAF call counselors provide direct
personal services to patients at no cost which include:
Access to Care
Mediating insurance appeals
Negotiating resolutions to
coding and billing errors
Brokering resources to
supplement the limits of insurance and to assure access to care for the
uninsured
Coordinating benefits
Access to surgical procedures
Access to medical devices
Access to pharmaceutical
agents
Expedited application for
Social Security Disability, Medicare, Medicaid, SCHIPS, And other social
programs
Job Retention
Family Medical Leave Act
(FMLA) qualifications
Disability accommodations
Communication with the Equal
Employment Opportunity Commission (EEOC) and State Fair Employment
Practices Agencies (FEPA)
Denial of Income
Denial of Health Benefits
Debt Crisis
Housing
Utilities
Food
Transportation to Medical
Treatment
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In 2002, my friend Jim was diagnosed
with Lymphoma and incurred $30,000 of personal medical bills in less than three
months.
Jim who was 48 at the time believed
that his insurance would cover the cost of his medical treatment. Faced with the
added burden of an unexpected financial crisis Jim became despondent and did not
want to go on with his treatment.
I provided Jim with a link to Patient
Advocate Foundation. (www.patientadvocate.org.)
Out of sheer desperation, my friend filled out an online form for assistance.
The next day PAF contacted Jim.
Now here is where it really gets
good. Some of you may remember a TV show named “The Equalizer” it was about a
retired secret agent who offered his services to total strangers by running a
classified ad in the daily paper offering to help people who were in mortal
danger. Well that was a fictional TV show about crime and violence. PAF is very
real and it too helps people who are in mortal danger. (Without the violence.)
Getting back to Jim, PAF filed two
appeals with the insurance company and shortly thereafter, the $30,000. was
reduced to a $20.00 office visit. PAF was the “Equalizer” for my friend.
A phone number every American should
know
You can call PAF toll free at
1-800-532-5274. This may be the most important telephone number you may ever
need.
While I am offering important phone
numbers, you may want to make a note of this one too. 1-866-512-3861.
This number will connect you to the Patient Advocate Foundation
Co-Pay Relief Program
also known
as The Patient Assistance Program (PAP). This much needed service
assists patients diagnosed with Breast Cancer—Lung Cancer—Prostate
Cancer—Macular degeneration.and provides financial help. The Office of Inspector
General (OIG) has approved an additional 23 diagnosis for assistance as
the funds become available.
Assistance may also be available to
patients who are experiencing secondary issues as a result of cancer treatment.
The website is www.copays.org.
PAP provides co-payment financial
assistance to insured Americans who qualify. Enrolled patients receive direct
co-payment financial assistance to help them with the medication co-payments
required by their insurance companies. Serious illness can be a financial
catastrophe even for patients with private health insurance or Medicare.
A recent study conducted by the
Harvard Medical School indicated that
about half of all personal
bankruptcies stem from medical causes among people who had health insurance.
“It’s shocking how quickly the costs
of treating an illness can push a financially stable person into financial
chaos. Being faced with overwhelming co-pays can eliminate many patients from
treatment options,” says Nancy Davenport-Ennis, Founder, and CEO of the Patient
Advocate Foundation.
PAF encourages patients diagnosed
with covered illnesses to apply for assistance if they are having difficulties
paying for their treatment co-pays. Dedicated call counselors will give
personalized assistance to patients, helping them complete the application
process.
Physicians play an important role in
helping patients enroll in the program. “A physician
cannot
treat their patients in a vacuum. As care providers, we have to recognize that
in order to deliver quality care, we must factor in outside hurdles that insured
patients face, including the substantial co-pays for treatment costs”,
says Dennis Gastineau MD., Director,
Human Cell Therapy Laboratory, Division of Transfusion Medicine and Hematology,
Mayo Clinic and Chair of the Patient Advocate Foundation’s Scientific Board.
Patient Advocate Foundation case
managers work with patients to discover local, state and federal programs that
provide assistance for their individual needs. The Foundation seeks to empower
patients to take control of their own health care issues. PAF has developed six
self help publications to assist in this goal.
The Managed Care Answer Guide
is designed to help people make decisions about choosing a health
care plan. The Answer Guide will assist consumers in understanding
confusing and complicated elements of the health care plan they
currently have. The guide features a section that explains what
questions a patient should ask should they or a loved one become
seriously ill.
Your Guide to the Appeals
process
This is an easy to read guide that features sample appeals
letters, proven strategies to employ when negotiating an appeal with
specific instructions to follow when all appeals have been exhausted and
it is time for the next step. PAF case managers have successfully used
all of the principles offered in this guide.
The Patient Pal
is a
handy pocket sized reference for patients and their families who want to
take a proactive role in dealing with a serious illness. The Patient Pal
is a guide for helping patients who are confronted with battling their
illness and many other problems they will encounter with insurance
issues, job retention and debt crisis intervention.
First My Illness…Now Job
Discrimination
When it rains it pours. The PAF created this
publication to help patients cope with the problems that all to often
accompany a serious illness. Unfortunately, many patients find
themselves confronted with harassment or the threat of losing their job,
income and health benefits. This guide will empower patients by
explaining their rights and assisting them with the directions for
filing a claim of discrimination.
Promoting a Healthier African
American Community
The PAF National African American Outreach
Program (NAAOP) was created to improve the quality of life for clients
by assisting those who are generally unable to receive reliable health
care. The program targets high-risk health areas to prevent and treat
life threatening and debilitating diseases.
The National Financial
Resources Guidebook for Patients A state by state directory with
information for patients seeking financial relief for a broad range of
needs including housing, food, utilities, transportation to medical
treatment and other issues.
We often associate chronic conditions
with seniors but many chronic illnesses like cancer and heart disease strike
younger people as well. The impact of chronic illness on families can have a
devastating effect on the financial stability of several generations
simultaneously. The uninsured population in America exceeds 45 million people.
Add the underinsured including many people who are unaware of the inadequacies
of their health insurance plans and the number can more than double.
Sandwiches that consume people
A new social dilemma is tearing at
the fabric of many American families. It is referred to as the "Sandwich
Generation" inherent with caring for children, parents, and grandparents. A
serious illness that strikes any of the generations can require large sums of
money to supplement the lack of adequate health insurance. The Patient Advocate
Foundation may be the family’s best hope to preserve their wealth.
The PAF has developed a series of
(three fold) informational brochures in response to
frequently asked questions (FAQ’s) by
patients. The brochures are available free of charge and include:
Usual, Customary & Reasonable
Charges (UCR) Defined
This brochure explains some of the
complexities associated with medical billing procedures between the
providers, insurance carriers and the patient’s financial responsibility
regarding Balance Billing (the difference between what is covered by the
insurance carrier and what the patient may owe the health care
provider). Understanding how to navigate the minefields of UCR charges
and the difference between actual charges and allowable charges can have
a substantial impact on the patient’s personal liability.
Interpreting Your
Explanation of Benefits (EOB) A greater understanding of how to read
and interpret what portion of your medical bill is eligible for benefits
under your insurance plan is explained by going through the steps in the
claims process. Remember that the EOB is not a bill. A
sample EOB is illustrated with an explanation for each section.
Social Security Disability
(SSDI) vs. Supplemental Security Income (SSI) and Subsequent
Entitlements
This brochure explains the differences between the two
programs that are administered by the Social Security Administration and
offers a list of tips that will help patients file applications that
will ensure a smoother and more expedient process. The information
provided in this guide offers proven procedures that are easy to follow.
For those facing dramatic lifestyle changes and emotional turmoil the
PAF offers individualized assistance from our case management
department.
The cost of care giving is a drain on
your emotions and your wallet.
Fortunately there are local care
giving services that you can turn to.
"Caregivers of South Carolina"
is
a family owned service that will save you money. They have been offering care
giving services in the home, and private services in hospitals and nursing homes
for nearly ten years. They respond to referrals from doctors and hospitals on a
daily basis. Call them at 347-6440 and compare their rates to corporate
franchises in the area.
Additional Resources
The NCI Cancer Advocates E-News
is a newsletter that comes out every other week with news tailored to the cancer
advocacy community. Get information on clinical trials and new treatment
updates. Federal agency fact sheets updates and related websites.
To subscribe send an email to
listserv@od.nci.nih.gov with the following
command in the message body:
subscribe cancer-advocates
Conversations in Care®
The power
of open communication between patients, doctors, family members, friends, and
health care support personnel is explored in depth on this interactive website.
Read the completed portion of a manual on patient communications that will grow
chapter by chapter. Each chapter is authored by a leading expert in the field of
communications. A multimedia library of dramatic audio and video productions
that are moving and informative is available. This site is a must for CSA’s and
anyone interested in understanding the sensitivities inherent in dealing with
serious illness.
www.conversationsincare.com
National Association of Hospital
Hospitality Houses, Inc.
Provides information on free or low
cost temporary lodging to families or patients who are undergoing treatment away
from home.
www.nahhh.org
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Pecan
Pie Bars
Abbie Hall
I’ve made these bars for my family for years, and now
everyone at work wants me to bring them for covered dish dinners!
3 cups all-purpose flour
1/2 cup white sugar
1 cup butter
1/2 teaspoon salt
4 eggs
1 1/2 cups light corn syrup
1 1/2 cups white sugar
3 tablespoons margarine, melted
1 1/2 teaspoons vanilla extract
2 1/2 c
ups chopped pecans
1.
Preheat oven to 350 degrees F. Grease the sides and bottom of
one 15x10 inch pan.
2.
In a large bowl combine the flour, 1/2 cup sugar, margarine or
butter and salt until the mixture resemble coarse crumbs. Press firmly into the
prepared pan.
3.
Bake at 350 degrees F for 20 minutes.
4.
In a large bowl stir the eggs, corn syrup 1 1/2 cups white sugar,
melted margarine and vanilla until blended. Stir in the chopped pecans.
5.
Spread the filling evenly over the hot crust. Bake at 350 degrees
for 25 minutes or until set. Let cool before slicing.
Cranberry Ambrosia-Cream
Cheese Spread
L Ambrose
This spread has been a
favorite at my holiday parties for years.
2 (8-ounce) packages cream
cheese, softened
1/4 cup powdered sugar
1 (6-ounce) package
sweetened dried cranberries, divided use
1 (15 1/2-ounce) can crushed
pineapple, drained well
1 (11-ounce) can mandarin
oranges, drained well
1 (3 1/2-ounce) can shredded
coconut, divided use
1 cup chopped pecans,
toasted
Pecan halves, toasted
Ginger snaps
Stir together cream cheese
and sugar until blended. Add dried cranberries, reserving 1/4 cup cranberries.
Drain pineapple and
oranges; pat dry between layers of paper towels. Set oranges aside.
Stir pineapple and
coconut into cream cheese mixture, reserving 1/4 cup coconut.
Stir in chopped pecans.
Spoon mixture into a serving bowl. Sprinkle reserved dried cranberries around
edges of bowl.
Arrange orange segments
around inside edge of cranberries. Sprinkle reserved 1/4 cup coconut in center,
and top with pecan halves. Serve with gingersnaps.
Codfish
Potato Salad
Dried, salted codfish
3 lbs potatoes
8 cloves garlic, sliced thin
Fresh Italian flat leaf
parsley, chopped
Extra Virgin olive oil,
salt, white pepper to taste
Boil codfish, discard
water at least three to four times to remove excess salt, then simmer for about
10 minutes until fish is soft and can be broken up into small pieces.
Boil potatoes until
tender. Use small red creamers or small Yukon golds, leave skins on, slice or
cube when cooked.
Mix fish, potatoes, oil,
salt, pepper together, add parsley and toss gently. Serve at room temperature
or cold. This actually tastes best after a couple of days when all flavors have
a chance to blend.
History: Many Italian
families celebrate Christmas with a variety of fish fixed different ways. This
was my father’s favorite and Mom only made it to serve on Christmas Eve. One
year, celebrating Mom’s birthday on Christmas Eve at my home, I surprised both
parents by serving this dish. I’d never tried it before, but had watched Mom for
so many years, it wasn’t difficult to do. I since have made it many times for my
husband who really enjoys it, so we might have it for a treat once or twice
during the year instead of just at Christmas.
Here in Columbia, I’ve
been fortunate to find the salted cod, packed in wooden boxes (usually a product
of Canada) in the freezer section at my local Publix supermarket.
Paulette Kindler
Columbia SC
Eggnog Pie
Jim Morgan
Nutmeg rocks...I forget to
use it year-round, and I should, but when I do smell or taste it....it reminds
me of the holidays.
1 pkg Jell-O Vanilla Pudding
and Pie Filling mix,
6-serving size (not
instant)
1/4 tsp ground nutmeg
2 C Borden EggNog (dairy
fresh, not canned)
1 1/4 C Milk
3 T light rum (1tsp rum
flavoring); optional; or Kahlua
2 C whipping cream (1 pint);
whipped
1 9” baked pie crust
additional ground nutmeg
In medium saucepan, over
medium heat, cook pudding mix using milk and Borden EggNog according to
directions on package until thick and bubbly; mix well. Remove from heat.
Stir in nutmeg. Stir in
rum (optional). Cool or chill thoroughly. Beat until smooth.
Fold in whipped cream.
Spoon into prepared crust. Garnish with additional nutmeg.
Chill 4 hours or until set.
Store leftovers covered in
refrigerator.
MaryAnne H
Wanted to share this with
your readers. My children help me put this mix together to give to neighbors and
teachers. They also make delicious cookies
Cookie Mix
1 cup all-purpose flour
1/2 tsp each salt and baking
soda
1 cup mini baking M&M’s
13/4 cups old-fashioned
oatmeal
1/4 cup each packed
dark-brown sugar and granulated sugar
1 cup peanut butter chips
Heat oven to 350°F. Have
baking sheet(s) ready. Empty cookie mix into a large bowl, breaking up if
clumped. Work in butter with a rubber spatula. Add eggs and vanilla; stir until
well blended. Drop heaping measuring tablespoons dough 2 in. apart on ungreased
baking sheet(s). Bake 12 minutes or until golden brown. Cool on baking sheet on
a wire rack 2 minutes before removing to rack to cool completely.
Combine flour, salt and
baking soda and place in a 5-cup jar with a tight-fitting lid. Top with layers
of M&M’s, then oats. Mix sugars; add to jar. Top with peanut butter chips.
Cover; give with recipe card.
Write on recipe card:
1 jar Cookie Mix
1 1/2 sticks (3/4 cup)
butter, softened
2 large eggs, beaten
1 tsp vanilla extract
Store (mix): Room
temperature 1 month