Ah Yes, My Favorite Chronic Illness Game: Is This Normal, Is This New, Or Am I Dying?

hey guys psa regarding hospital bills

don’t just pay it. do not automatically pay the hospital bill when you receive it. call your health insurance provider and POLITELY say, “excuse me, i just received a bill for $1200 for my hospital visit/ER visit/etc., is that the correct amount i’m supposed to pay?” because hospitals bill you before your health insurance and they will take your money no matter how the amount due may change based on your health insurance looking at it. 90% of the time, if your health insurance is in any way involved in the payment of that bill, you do not have to pay as much as the hospital is billing you for. call your health insurance provider first, and POLITELY request clarification, always remember that the person you are talking to is human and this is just their job, and then you will very likely find out you actually only owe $500.

don’t shout at anyone about it, don’t get mad, just understand that this is The Way Things Are right now and call your health insurance provider before paying the bill your hospital just sent you. there’s a chance the hospital bill might be correct, true, but call your health insurance provider.

Having conditions affecting the digestive and excretory systems is just so isolating.

Because even in semi-disability-aware spaces, talking about symptoms relating to the GI and excretory systems is still treated as TMI, as gross.

Even friends and family members are grossed out just seeing us put laxative in our water, or run to the bathroom all the time, or sit weirdly because of an immensely painful gas bubble.

And we internalize this shame so much that when we actually have to describe our symptoms in a medical setting, we hold back, and use euphemisms, because we're so used to having to do so.

It's so so isolating.

Medical Binder

You need a three ring binder. And sheet protectors. And tabs. “Why?”

‘Cause you need a medical binder.

What is a medical binder? A place that you store your medical information paperwork. All of it.

Why should I have this? Documentation. Insurance and medical care are all about documentation. If it’s not in writing, it didn’t happen and doesn’t exist. Why can’t you do it electronically? Because the internet can be compromised. No one can hack a piece of paper from a thousand miles away. Having a copy of your medical records means you have easy access to talk to a new doctor and get them up to speed.

For my fellow chronic illness people, this is what keeps you from going batsh*t insane if you see a new doctor or need to go to the hospital.

What should go in it?

Medical Records: This is a copy of whatever records you have from whatever appointments/visits you go to. Have a check-up? Get a printed copy. Have lab work run? Get a printed copy of records. ER visit? Printed copy. Surgery? Printed copy. Vaccine? Printed copy. I recommend having documentation going back at least five years. Include lists of any medications you’ve taken, along with start/stop dates. This is ideally a catch-all of everything you would want to tell a brand new doctor so they can immediately pick up where your last doctor left off. If you have chronic illnesses, this is where you want to include a history of it. Diagnosis, medications and treatments that have worked and not worked, and all symptoms/progressions you’ve noticed.

Medical Bills: Did you pay a bill? Print a copy of the receipt? Did you get a bill? Save it and then add the receipt after you pay it. Collections notice? Financial Hardship paperwork? Payment plan agreements? Print and add here.

Insurance Paperwork A copy of your ID card, a copy of your summary plan document, and any copies of your claims. Print it and save it.

Misc. Anything else related to your healthcare/bills that you could need. If you think in five years there is the remote possibility you could need this specific piece of paper, print it and save it.

These documents are important to have. If you're in an accident and you have everything on hand (or can have someone bring you everything), you're already ten steps ahead. Otherwise, your new doctor has to have you sign a HIPAA form for every single doctor you've ever seen so they can send your records to be reviewed blah blah blah. The main point is that process is time consuming and frustrating. Save everyone (and yourself) the headache.

If they claim they can cure your condition that you have been told is incurable, run. If they claim they cured themselves, run. If they claim they have cured everything from cancer to lupus holistically, run. If they claim you have to buy only supplements from them, run. If they claim they that only thing that will cure is x but x costs tons of money, run. If they refuse to run tests or address your diagnosed conditions before insisting you do an expensive treatment not covered by insurence, run. If they offer a one size fits all treatment/cure, run.

I have been scammed by "holistic" and "naturalistic" people before as a chronically ill person. In fact it was an actual doctor who went to medical school who scammed me for years. So watch out. If it seems too good to be true it probably is.

𝐏𝐈𝐍𝐍𝐄𝐃

𝐚𝐛𝐨𝐮𝐭 𝐦𝐞 : lexi / 24 / gad & ibs

𝐛𝐥𝐨𝐠 𝐭𝐨𝐩𝐢𝐜𝐬 : chronic illness / disability / invisible disability / gut health / mental illness / advocacy

i know hearing people on this website love to pass around those posts with links to free sign language lessons but you know you need to actually put effort into learning about Deaf culture, too, right?