June 5, 2025 • 30 mins
We continue our discussion about the effect on poverty on your health. This episode we offer some potential solutions to help save money on your health care needs:
(01:33) Health Insurance & Government Assistance
(05:17) Recurring Costs
(09:58) Agent of Records, Patient Advocate, Benefit Specialists
(12:41) Prescription Drugs
(15:51) Billing Errors
(19:27) State Insurance Commissioners and Grievance
(20:53) AI and ChatGPT
(24:50) Friends, Family, & Community
(27:54) Celebrity Segment
Resources
• GoodRX | Swagbucks | CostPlusDrugs
• How to File a Complaint and Research Complaints Against Insurance Carriers
Mark as Played
Transcript
Episode Transcript
Available transcripts are automatically generated. Complete accuracy is not guaranteed.
(00:00):
Welcome back to Painfully podcast.
This is Part 2 of the effects ofpoverty on your health.
And unlike the last episode, this one is going to be more so
about things that you can do to help mitigate the cost of
healthcare. So things like signing up and
utilizing your insurance, finding discounts and coupons
for prescription drugs, and utilizing resources like your
agents of record, patient advocates, and your state's
(00:22):
insurance commissioners, as wellas other local resources that
might be available to you. We also briefly talked about
starting A blog. So if you think that's something
we should do, if it's useful, orif you're interested in writing,
let us know. Write a comment below.
And finally, for our celebrity segment, the answer is the
legendary Dolly Parton, who has donated millions to healthcare,
(00:44):
shown support for rural health programs, and recognize that
there's a need for healthcare access in those areas.
She's also been committed to advocate for social justice and
affordable healthcare for all. We love Dolly Parton.
She's amazing. If I were Yeah.
We want to remind you that we are not medical experts and this
is for entertainment purposes only.
(01:04):
So please consult with your own agent, records, patient advocate
and medical team when it comes to making decisions about your
own healthcare. Hello.
And welcome to Part 2, Part 2, Episode 5.
And it's probably just be episode 6.
We're gonna continue our conversation on the effects of
(01:27):
poverty. In the last episode, we shared a
lot of stories about the cost ofhealthcare and how it can really
compound. So one of the ways to mitigate
that would be to do preventativecare.
So if you do have health insurance, there's oftentimes
free check UPS, annual check this and Wellness exams that you
can get for free. That's part of your insurance
(01:48):
because they want you to stay healthy.
They want you to get that information early on.
Sometimes they'll even give you like $50.00 gift card.
Oh yeah, yeah, sure too. And sometimes if you have to
like get vaccinations and stuff,they'll also give you gift cards
and and coupons and things. That too.
Yeah. If you don't have health
insurance, potentially there areother avenues if you don't have
your state insurance or Medicareor Obamacare, there's also
(02:12):
Planned Parenthood can be a veryuseful research resource.
A lot of people associated with just women's reproductive
health, but they actually can gothere for most regular medical.
Yeah, just like you can see a General practitioner.
And before I built my curated medical team, the only like
(02:33):
Bereans that was really great that I've had in a medical
setting was actually planned beer head.
They're really sweet. They're really great.
I've only had good experiences there.
Yeah, they should get more moneyand more support and more
funding in my opinion. Absolutely I agree.
Yes I have also used them for myprimary care before I had
benefits and they were wonderfuland they provide you with that.
(02:56):
I don't know if they still have it, but the little teal card
that is kind of the the free insurance card, they do provide
that resource for you as well asjust lots of good little
freebies when you go to your appointments.
You get some free condoms? Yeah.
Free stuff that. Yeah.
I got a lot of my birth control stuff from this time, Parenthood
when I was younger, too, and they had to give a few of them
(03:19):
the packs. It was great.
You have to go visit every monthlike.
You're so generous. We love Planned Parenthood.
Yes, we do. We're big advocates.
Yeah, shots of you occult from Planned Parenthood.
Yes. But of course things do happen
and it preventative here doesn'talways stop everything.
There's accidents that can happen and there's underlying
(03:41):
conditions that can finally comeup.
And what sucks is like the biggest form that causes
bankruptcy in America is medicaldebt.
I believe it. When you get diagnosed, it can
be really intimidating to try tonavigate it, as we mentioned
before, but there are resources available.
I'll try to find some and include them below, but there's
a lot of resources, whether it'spayment plans as well as local
(04:05):
resources that can usually help you with costs as well.
Absolutely. There's definitely programs that
you can apply for, and even if you have certain conditions, you
can qualify for assistance depending on what it is that you
have. So there are resources out
there. I think a lot of people may
(04:25):
criticize them to say that the Gears of government grind very
slowly and it can take a long time to receive the assistance
that you're hoping for. But even if it takes a long
time, sometimes it can be the assistance that helps someone
get a life saving procedure. So at least it's there.
(04:46):
Yeah. And also, I'm a big advocate of
when there are these resources available, you should use them
because otherwise they'll get cut.
Yeah, absolutely. Our our politicians will just
oh, well, no one's taking advantage of this, so let's cut
that. That episode of Parks and Rec
where they're trying to save money in the budget, and then
Anne ends up getting fired because Leslie identifies all
(05:06):
these superfluous workers. And then they're like, oh, but
we're just going to get rid of everyone.
And then Anne loses her job. Yeah, I'm fine.
It's a thing. It's a thing that happens.
Comedy imitates real life. It does.
But that's not to say that there's other things that might
catch you off guard. There's some reoccurring costs I
think you've shared with me in the past for even for US
glasses, it becomes an annual cost that you have to consider
(05:29):
your. I actually have stretched these
glasses quite a while. My eye doctor was you need to
get new ones. Your reflective features are
diminishing and they're not going to be as effective,
especially when you drive at night.
There's a certain frame that I want.
I just need to dude. That's how I feel about these.
I'm gonna, I'm coming up on my 2years for these.
I'm going to go in and be. I want the same ones.
(05:49):
Yeah. I don't want to mess around with
trying on different frames. I'm past that point in my life.
I want the same frames. I'm in the opposite scenario.
So I've recently did a color analysis and apparently these
glasses make me look really old and I'm supposed to be wearing
metal but my prescription. Metal frames.
But my prescription's so high that the plastic hide, it's too
heavy. Yeah, it's too heavy.
And the plastic hide's how thickmy lenses that's.
(06:12):
Why I do plastic? But there's these Warby Parker
ones that have metal insides andclear outside.
So it looks like. Anyways, all that to say is
sometimes, you know, you want toinvest a little bit more and you
want to stretch it. I totally understand.
That's where I'm coming. From yeah, I think you know, but
the recurring cost thing that you brought up is very real.
I have, I go to physical therapyonce a week and I haven't hit my
(06:37):
deductible yet. So even though I have insurance,
my insurance is we're not payingfor this.
And I pay $80 every time I go. And I also have therapy, I pay
$100 every time I go. So this all adds up.
Yeah, you all can do. The math, and that's not
including again, this is in food, housing.
These are big costs, like life changing amounts of money that
(07:00):
could also be used to and for other people for investments
that could be helping people getout of poverty.
Too. Absolutely.
Something else that has popped up for me that is not really an
expected appointment. I get pedicures every two weeks
because my psoriasis causes my nails to be real jacked up,
especially my toenails, and so Ihave to have constant
(07:23):
maintenance of them, otherwise they'll just disintegrate.
Yeah, or they'll start doing what happened to my grandmother,
where they grow vertically instead of out from your nail
bed. Yeah, they grow up perpendicular
to your toe. How does she wear shoes did?
She just all the she had to go get her nails sanded down.
Oh. The life that we lived.
(07:46):
So and she, my grandmother was another person who had lots of
medical issues and did not have adequate medical care.
But anyway, so and unexpected cost is I actually go get
pedicures every two weeks because I medically need to.
It's not because I'm oh, I want pretty toes.
I mean, I do, yeah, but there's more to it than that.
What sucks is I don't think you can write that off with an HSA
(08:10):
or SA. It's not a qualified type of
expense either. Nope, because they just think
it's a superficial yeah. What about your teeth?
Oh my gosh. Again, we'll dive deeper in an
episode further on. I'm also realizing how much I'm
slurring today because I had extra rubber bands and I had my
(08:32):
teeth grinded down literally within the last four years
yesterday. So I've had braces prior to my
surgery stuff twice, Once when Iwas in middle school and they
were perfect when I was done with them.
And then when I went to high school, everything started
shifting. I was wearing retainers, but my
jawline was moving and growing and getting things out of place.
(08:52):
I had to get braces again, But and I was also like really aware
of the cost of all this dental work.
And so when I got to the point where like, she needs surgery, I
mean, I don't want to do the surgery.
I don't want to deal with the cost and that guilt of trying to
be pretty 'cause I'm a girl and that's what's expected.
There's a lot of things to unpack there.
(09:13):
Anyways, now as an adult, I did it again.
This time I'm paying for myself,which there's less guilt I guess
because it's my own money and I can do what I want because I'm
no longer in a specific age bracket.
It did cost more for all of my orthodontic work.
And then I had my surgery and the surgery itself was over
$130,000. And then the ortho work is about
(09:36):
probably going to be end up being $7000 because I had
visaline, then I had my fireplaces and then here I am
again and I'll probably end up with the visaline at the end.
So All in all, a down payment ofa house is the cost of my
current jawline and teeth. But luckily insurance covered
most of it. But again, we'll dive deeper in
(09:58):
another episode. Speaking of insurance, I wanted
to talk about how if you do haveinsurance, you know, don't be
afraid, reach out to your insurance policy, your employer.
Often times the insurance that you have, there's an agent of
records or there is a patient advocate that you can reach out
to if you have any questions. If you're having trouble, you
(10:20):
know, finding a medical professional that works with
you. If you have trouble with billing
errors which do happen, they're usually ones that are supposed
to help you navigate through theprocess.
That's great. That's really wonderful because
healthcare benefits are actuallyreally hard to understand.
And when people are burdened with, hey, welcome, you got this
(10:42):
job, congratulations, you have benefits.
You have to now sign up for whatyou want.
And sometimes you don't even know what you're looking at.
Yeah, especially if you, especially for those who don't
know what cost they will be expecting, yes.
Yeah, yes, because there's the co-pay version of insurance and
(11:04):
then there's the Co insurance and then there's the HMO versus
the PPO versus the H then the HSAHPN, there's all these
different acronyms. Deductible versus the Max out of
pocket. Yes.
And then they have a separate deductible for prescriptions.
And so it's it's a racket. Yeah, it's just a racket.
(11:25):
So there's, there's always the patient advocates.
You should also should have benefit specialists at your job
who can provide you with more information to help kind of
decode what options you have available to you.
Something else that I want to know about insurance, if you do
have the privilege to sign up for it, you can also get
critical illness coverage that'stypically separate from your
(11:50):
basic insurance. And so if you end up with
something cancer or you have a really horrible injury or some
kind of accident, the critical illness coverage can come in and
really help to supplement the payments that would go towards
that treatment instead of you racking up this horrible,
horrible bill because your insurance is, oh, we don't cover
(12:12):
catastrophic accidents or illnesses or whatever.
Yeah, it's a mess and there's a resources and available to you.
Yeah, there should be. If there isn't, you can complain
about it. Yeah.
The critical illness coverage isan extra $2.00 a month or
something. That's not something on the
back. Yeah, yeah, yeah.
Yeah, highly recommend, especially if you have family
(12:34):
with critical illnesses that have come up in the past.
It's nice to have that buffer. I get it all, baby, All of it.
You mentioned prescriptions, andprescriptions are something
that, yeah, it's this whole other category of costs that I
forget about even. OK, I have an inhaler, OK.
So I will often get the message of you have a prescription to
(12:56):
pick up. And I was like, I don't think I
got anything from my doctor. And I was like, oh, it's
probably my inhaler. And then I sometimes go in, I'm
like, is it going to be this? And no, sometimes I don't even
know how much they're gonna be paying for my inhaler that year.
I know that inhaler for some people is $70.00 for, for with
their insurance. And I think the last time I, I
paid for it, it was only $10. And I'll shoot, I should get
more of these. Oh my God.
(13:17):
Stockpile them for other people or something.
I remember very vividly this time I had to go pick up an
inhaler and it was $60.00. And this was, I don't know, 15
years ago. Yeah, it was $60.00 and me being
this broke ass, I was like 60 I think.
Nope. Nope.
No, I do not have $60.00. Yep.
(13:39):
I left the inhaler at the pharmacy.
Did you really? Yep.
Yep. It was wheezed all the way out.
Yeah. I have, I've had friends who
didn't have insurance and they're like, Oh yeah, we're
staying with a friend. They have a cat hanging up my my
asthma, but I don't have an inhaler.
And I'm like, I have an extra 1,just take it away.
(13:59):
And it's something that I know happens where people will share
prescriptions. Honestly, I was talking to my
mom the other day and she's like, yeah, I was feeling sick.
So I took your dad's medication that was prescribed for dad for
completely other things. He had the stomach flu.
You have bronchitis. These are two separate things.
(14:22):
I don't know if that's the medication it's just taking, but
that statement alone is just toomuch to dig into.
But there are a lot of emerging resources.
Goodrx is a company based in LosAngeles where they try to help
you find coupons and deals for prescriptions and sometimes
pharmacists deals and coupons for prescriptions as well.
(14:45):
I know one of the companies thatI do marketing for swab books,
they work with Goodrx and so youcan use them to find cash back
on certain prescriptions as well.
And then you mentioned, I think,Mark Cuban's brainchild.
Hell yeah. Cos plus drugs, baby.
Yeah, Mark Cuban was screw Big Pharma.
I'm creating my own website and I'm going to have my own supply
(15:11):
of generic prescription drugs that people can order from his
website at much more affordable cost than what you'll find
typically. You can also talk to your
doctors because sometimes they can provide discounts, they have
access to supplies or pharmaceutical Rep, We'll give
them samples for them to try or for them to give to their
(15:33):
patients to try. So those are all some ways that
you can try to minimize some of the cost of prescriptions.
I know it sucks that we have to rely on other capitalistic
businesses to cover the cost of our healthcare, but these are
some things that are available. And again I'll put links to
these. Oh yeah, absolutely.
Yeah. And I mentioned earlier about
(15:54):
bailing that do occur sometimes.I know it's rough.
You can always it's, I've actually experienced 2 with my
recent jaw surgery procedure in that my insurance wasn't going
to cover it because it was like it's not covered.
And then the, the, the hospitals, well, we didn't get
the right information from your insurance.
We need to make sure you don't have two insurance.
(16:14):
It was the whole work around formonths.
I had my surgery back in July and it wasn't until the end of
October into November that it was settled.
And so there was a little part of me of that three months.
What if it doesn't get settled and I just have to find all this
money somewhere? Honestly though, if I'm being
(16:36):
honest, I feel July to November is quick.
That is actually a very fast. But when you're in the moment.
Yeah, in the moment, My gosh. And this happens when people
have a baby. Yeah.
You go to the hospital, they have a baby, then they get a
bill for $120,000 and. That's if you have a healthy
(16:57):
child even. Yes, that's without the NICU,
without any other interventions for the mother, all the kind of
stuff. Now, I've heard, and I can't
speak to this personally, but I've heard that if you just wait
it out, typically the bill gets paid for somehow because
(17:21):
insurance continues to review and process and review and
process and review and process. And then eventually you get a
different statement from the hospital that has all of those
payments reflected. And so the bill that you have,
your personal financial responsibility is much smaller.
Yeah, I will say that the initial cost that was quoted was
(17:44):
definitely and then the beginning is definitely
different than the end bill thatthe insurance paid out.
And so it continued, it continued to evolve even after
the surgery, which is bonkers because I was been working
towards the surgery for two years and we all know this was
going to happen. I would think it'd be a lot
faster. Yes, I also just it baffles me
(18:06):
that people have to pay to have a baby.
I don't know why. For the longest time I just
assumed, oh, you're having a baby that's free.
Yeah, it's free. It's free to have a.
Baby, I mean some other countries they actually will pay
you to have children. And.
They'll give you a box of goodies of clothing and diapers,
something to get you going. I actually just saw that
Australia upped their maternity leave to six months recently.
(18:28):
Like federally? Yep.
Well, if America wanted to, it would.
We're just dating a really unhealthy government.
And that's how I know I'm not ready to date you.
But yeah, I would say in those instances where there's billing
issues, you know, how patients continue working with your
(18:48):
provider and your insurance as best as you can, sometimes it's
you just gotta wait for it to come in the mail.
Yeah, which is really frustrating.
And sometimes there's payment plans too.
So I just recently got offered apayment plan for my therapist
like, hey, you know, here's yourbill.
If you would like a payment plan, just let us know and we
can set one up. And even if it's not offered, it
(19:11):
typically is something that you can get.
And that is also where a patientadvocate could come in to be,
hey, you know, I want to pay this bill.
I just can't pay all of this amount at the same time.
Yeah, and if we could break it up into monthly installments or
something, then you could work it out.
Yeah. And if you've noticed, you're
trying all these different strategies and you're still not
(19:32):
getting any answers. You're running to Roblox and
there's all this expectations and the miscommunications there.
Every state has like an insurance commissioner person
thing like that kind of a hierarchy that overseas all this
different healthcare insurance. So you know that you can, at the
end of the day, file a grievanceor a complaint for your health
plan. And that is kind of a big deal.
So that is people give you attention when you're at that
(19:56):
point. Yeah, they don't want to get
markers for that and get in trouble.
I can't believe they don't have a trillion markers already.
Did you know about filing a grievance?
Well, no. Most people don't know.
I found out from you. Yeah, when?
We made these notes. And you can find a lot of that
information online, but we'll probably put them below.
(20:17):
We should just start a blog. Let's just have this information
consolidated. It's almost as though the
universe has designed this opportunity for you because you
brought it into existence with our conversation last week.
Perhaps A blog will be in our website in the near future.
We'll see that. Would be so exciting.
(20:39):
Mine is just going to be a rant.And then maybe we could have
contributing writers. I think it'd.
Be really cool, I love that. Yeah.
That's beautiful. People can get some by lines,
get some credit. Yeah, talked about how we should
write A blog. There's actually a lot of things
available online, but if you want things even easier, there's
(21:01):
a lot of resources, generative AI that can scrape the Internet
and give you easy answers. Oh yeah.
So you can find ChatGPT or Gemini or whatever convenient AI
tool that you have and have it answer some of these questions.
What is a co-pay? What is a deductible?
And you know, a lot of people are actually using it to kind of
help with some of their diagnosis, narrow down your
(21:22):
symptoms to an ailment or even find remedies.
Yep. Yeah, not me trying to AI my
home remedies for the last session of our podcast, but I
actually, I did use ChatGPT recently.
I asked it any strategies to help with reducing inflammation.
(21:44):
Yeah. And I, I noted that I wanted it
to be a natural option, so not something that included
medication. And it actually listed a lot of
really great useful tips that I wanna incorporate.
Yeah. And so it is useful, you know,
if if you are looking for ways to manage your pain, manage, you
(22:06):
know, any symptoms that you're experiencing, you know, it
doesn't hurt to just get some open source.
Obviously you gotta use some critical thinking.
I'm I'm not telling you to do exactly what it says.
I'm not a medical. Yeah, definitely vet through
things. Yeah, use your judgment make.
Sure that you are doing stuff that's not totally wack.
If AI starts telling you to eat tide pods, I don't recommend
(22:29):
that. Yeah, 'cause it really just
collects information from the Internet and from whatever
inputs that we put into it, and we'll just regurgitate it.
It doesn't have a sense of truthto these things, but it will
probably aggregate what seems tobe more common and consistent
and spit that back out at you. I would say though like don't
(22:51):
put information into ChatGPT. That could be an identifier or
something that is personal information either for you or
for your loved one. Try to keep it as generic as
possible and leave those personal details out because it
is open source and so really anyone can access that
(23:12):
information that gets put into it.
Yeah. So be careful with your
information. It's I don't think it's meant to
be HIPAA compliant is not necessarily like a tool for
healthcare. So it doesn't have any of those
privacy protections. Yep.
But it's still a great tool. You can figure out meal plans.
If you're on a specific diet andyou find out you've recently
(23:34):
have high cholesterol, you can know what should I be eating?
These are the ingredients in my fridge.
It really helps take that mentalload off I think, which is
really convenient. It's really lovely, especially
for those who suffer from executive dysfunction.
We love a recipe. Here's what's in my pantry.
Tell me what to make. And does it take less than 10
minutes? I'm in.
Yeah. Let's go.
(23:55):
It. Really.
It's helpful. I won't lie, I love it.
I'm glad I shared that with you.I'm so happy you should because
I'm over here using ChatGPT for the most boring step.
Well not really, I lied. I did use it to help me write a
back story for my Dungeons and Dragons character.
Yeah, that's the first thing I did when I played around
(24:15):
ChatGPT. Yeah, that was the reason I made
a ChatGPT account was for Dungeons and Dragons lore, and I
have no regret. That's the kind of stuff I was
using it for, and it didn't evenoccur to me to use it for a more
practical application of my daily life.
So it really could be for everything, yeah.
Yes, well, I, I think we can wrap this up by saying that, you
(24:38):
know, there are a lot of resources, nonprofit and for
profit that are emerging to helpaddress some of the issues that
we're facing in our healthcare and to minimize costs.
But again, like I mentioned in the last episodes, you know, the
only person you can contrast is like your friends and your
community. So we should really continue to
lean on each other back to. That collective mindset.
(25:01):
As we like try to work together to push for change in the state
and federal government for better healthcare continues to
take care of your community. And if you have ideas for
amusing tools or resources for us to look into, please write
them in the comments below. I think we're at a period in
time where there's just so much change happening in the space
(25:24):
that I think with more visibility in all of our
ailments, the dire need of healthcare, paternity care, all
that jazz, I think there's gonnabe a shift and I'm hoping.
I certainly hope so. Yeah.
Yeah, I really do hope so. I will.
I'm gonna give one more shameless plug my favorite thing
ever, because another thing thatyou can really do to stay on top
(25:48):
of your health and manage pain, manage some symptoms.
You got to move, you got to exercise.
You got to make sure that you'regiving yourself opportunities
for movement, even if it's just going for a walk for 5 minutes,
2 minute, anything. It doesn't have to be a lot of
strenuous exercise, but if you're looking for a
recommendation of something to do, I may recommend something
(26:11):
like Pilates. Movement and and to to actually
go on top of that in terms of cheaper solutions.
Also rest. We did an episode about rest.
That is a low cost thing that you could do to help minimize
some of the health care costs that could come from poverty and
(26:32):
stuff. Yes, absolutely.
And making sure that you're allowing yourself to rest in
different ways and that you're allowing your loved ones to rest
in different ways. So if you are living with
someone who's experiencing chronic pain or chronic illness
and they need to manage some of these symptoms, sometimes one of
the best things that you can suggest or help them with is to
(26:53):
just slow down. Slow down, rest.
Take a moment, reflect on what'sgoing on.
It can really make a difference.I have a friend who studied the
effects of mindfulness on chronic illness, and there's a
ton of research that suggests that mindfulness practice has a
(27:14):
really positive impact on your health.
So another nugget to keep in mind.
Also something that's very low cost.
You can find tons of mindfulnessvideos that you can listen to on
YouTube. Yep, there's apps now.
I use an app called Insight Timer, and that's completely
free. There's a paid option, but you
(27:34):
don't really need it. Yeah.
So those are all some great things that you can do.
Yeah, we'll probably do an episode on my fullness and
meditation. That's something that is near
and dear to my heart as well. Oh yay, yeah, we get more and
more ideas every time we talk. We're never.
So many already. We're never going to run out of
episode topics. Let me tell ya.
So much to cover. Yeah.
(27:54):
All right, before we close out, I want to do a celebrity
segment. I wanted to add a little bit of
color into this one. Our celebrity segment is
somebody who grew up in poverty.Her and her siblings, they grew
up with her grandmother in the studio.
I mean, she was actually mocked for her desire to become a
(28:15):
performer and got financially scammed in early in her career,
which is actually very common. She is a singer in Korea.
She's known as Korea's little sister.
And she's recently been working on and addressing her eating
disorder and her hearing disorder that she's been working
through. She did beautiful music video
recently had somebody that was mute in, somebody who's blind or
(28:39):
deaf. She gave visibility to some
disabilities in her work. What a mouthful.
I know what she said, especiallywith my warmth in my mouth.
Completely full with metal and rubber bands, Yes, But yeah.
So this individual is AK Pop Idol, and if you know who it is,
she's great. She's amazing.
And one of her songs will probably be on my playlist for
the wedding. I'm so excited.
(29:01):
That video that you showed me last week was heartbreaking but
really beautiful. Yeah.
Yeah, and she's tiny. So those are all the clues.
If you know who it is, comment below.
We'll share it in the next episode.
Right on. Well, Danny, thank you for
sharing all of these wonderful pieces of advice and resources
(29:22):
that people can use. I think this was a much more
uplifting session. It was really.
Fast too. We just like went for it.
Powered through. I appreciate you sharing all of
this. I was really concerned that I
was gonna be a big downer in my episode, and so I'm glad that we
can end on a little bit of a higher note with this one.
Totally. Cool.
(29:43):
Yay. Good job.
Good job us all. Right, well, we'll see you all
later in the next episode. See you next time, Toodaloo.
Good. Job.
Welcome back to Painfully podcast.
This is Part 2 of the effects ofpoverty on your health.
And unlike the last episode, this one is going to be more so
about things that you can do to help mitigate the cost of
healthcare. So things like signing up and
utilizing your insurance, finding discounts and coupons
for prescription drugs, and utilizing resources like your
agents of record, patient advocates, and your state's
(00:22):
insurance commissioners, as wellas other local resources that
might be available to you. We also briefly talked about
starting A blog. So if you think that's something
we should do, if it's useful, orif you're interested in writing,
let us know. Write a comment below.
And finally, for our celebrity segment, the answer is the
legendary Dolly Parton, who has donated millions to healthcare,
(00:44):
shown support for rural health programs, and recognize that
there's a need for healthcare access in those areas.
She's also been committed to advocate for social justice and
affordable healthcare for all. We love Dolly Parton.
She's amazing. If I were Yeah.
We want to remind you that we are not medical experts and this
is for entertainment purposes only.
(01:04):
So please consult with your own agent, records, patient advocate
and medical team when it comes to making decisions about your
own healthcare. Hello.
And welcome to Part 2, Part 2, Episode 5.
And it's probably just be episode 6.
We're gonna continue our conversation on the effects of
(01:27):
poverty. In the last episode, we shared a
lot of stories about the cost ofhealthcare and how it can really
compound. So one of the ways to mitigate
that would be to do preventativecare.
So if you do have health insurance, there's oftentimes
free check UPS, annual check this and Wellness exams that you
can get for free. That's part of your insurance
(01:48):
because they want you to stay healthy.
They want you to get that information early on.
Sometimes they'll even give you like $50.00 gift card.
Oh yeah, yeah, sure too. And sometimes if you have to
like get vaccinations and stuff,they'll also give you gift cards
and and coupons and things. That too.
Yeah. If you don't have health
insurance, potentially there areother avenues if you don't have
your state insurance or Medicareor Obamacare, there's also
(02:12):
Planned Parenthood can be a veryuseful research resource.
A lot of people associated with just women's reproductive
health, but they actually can gothere for most regular medical.
Yeah, just like you can see a General practitioner.
And before I built my curated medical team, the only like
(02:33):
Bereans that was really great that I've had in a medical
setting was actually planned beer head.
They're really sweet. They're really great.
I've only had good experiences there.
Yeah, they should get more moneyand more support and more
funding in my opinion. Absolutely I agree.
Yes I have also used them for myprimary care before I had
benefits and they were wonderfuland they provide you with that.
(02:56):
I don't know if they still have it, but the little teal card
that is kind of the the free insurance card, they do provide
that resource for you as well asjust lots of good little
freebies when you go to your appointments.
You get some free condoms? Yeah.
Free stuff that. Yeah.
I got a lot of my birth control stuff from this time, Parenthood
when I was younger, too, and they had to give a few of them
(03:19):
the packs. It was great.
You have to go visit every monthlike.
You're so generous. We love Planned Parenthood.
Yes, we do. We're big advocates.
Yeah, shots of you occult from Planned Parenthood.
Yes. But of course things do happen
and it preventative here doesn'talways stop everything.
There's accidents that can happen and there's underlying
(03:41):
conditions that can finally comeup.
And what sucks is like the biggest form that causes
bankruptcy in America is medicaldebt.
I believe it. When you get diagnosed, it can
be really intimidating to try tonavigate it, as we mentioned
before, but there are resources available.
I'll try to find some and include them below, but there's
a lot of resources, whether it'spayment plans as well as local
(04:05):
resources that can usually help you with costs as well.
Absolutely. There's definitely programs that
you can apply for, and even if you have certain conditions, you
can qualify for assistance depending on what it is that you
have. So there are resources out
there. I think a lot of people may
(04:25):
criticize them to say that the Gears of government grind very
slowly and it can take a long time to receive the assistance
that you're hoping for. But even if it takes a long
time, sometimes it can be the assistance that helps someone
get a life saving procedure. So at least it's there.
(04:46):
Yeah. And also, I'm a big advocate of
when there are these resources available, you should use them
because otherwise they'll get cut.
Yeah, absolutely. Our our politicians will just
oh, well, no one's taking advantage of this, so let's cut
that. That episode of Parks and Rec
where they're trying to save money in the budget, and then
Anne ends up getting fired because Leslie identifies all
(05:06):
these superfluous workers. And then they're like, oh, but
we're just going to get rid of everyone.
And then Anne loses her job. Yeah, I'm fine.
It's a thing. It's a thing that happens.
Comedy imitates real life. It does.
But that's not to say that there's other things that might
catch you off guard. There's some reoccurring costs I
think you've shared with me in the past for even for US
glasses, it becomes an annual cost that you have to consider
(05:29):
your. I actually have stretched these
glasses quite a while. My eye doctor was you need to
get new ones. Your reflective features are
diminishing and they're not going to be as effective,
especially when you drive at night.
There's a certain frame that I want.
I just need to dude. That's how I feel about these.
I'm gonna, I'm coming up on my 2years for these.
I'm going to go in and be. I want the same ones.
(05:49):
Yeah. I don't want to mess around with
trying on different frames. I'm past that point in my life.
I want the same frames. I'm in the opposite scenario.
So I've recently did a color analysis and apparently these
glasses make me look really old and I'm supposed to be wearing
metal but my prescription. Metal frames.
But my prescription's so high that the plastic hide, it's too
heavy. Yeah, it's too heavy.
And the plastic hide's how thickmy lenses that's.
(06:12):
Why I do plastic? But there's these Warby Parker
ones that have metal insides andclear outside.
So it looks like. Anyways, all that to say is
sometimes, you know, you want toinvest a little bit more and you
want to stretch it. I totally understand.
That's where I'm coming. From yeah, I think you know, but
the recurring cost thing that you brought up is very real.
I have, I go to physical therapyonce a week and I haven't hit my
(06:37):
deductible yet. So even though I have insurance,
my insurance is we're not payingfor this.
And I pay $80 every time I go. And I also have therapy, I pay
$100 every time I go. So this all adds up.
Yeah, you all can do. The math, and that's not
including again, this is in food, housing.
These are big costs, like life changing amounts of money that
(07:00):
could also be used to and for other people for investments
that could be helping people getout of poverty.
Too. Absolutely.
Something else that has popped up for me that is not really an
expected appointment. I get pedicures every two weeks
because my psoriasis causes my nails to be real jacked up,
especially my toenails, and so Ihave to have constant
(07:23):
maintenance of them, otherwise they'll just disintegrate.
Yeah, or they'll start doing what happened to my grandmother,
where they grow vertically instead of out from your nail
bed. Yeah, they grow up perpendicular
to your toe. How does she wear shoes did?
She just all the she had to go get her nails sanded down.
Oh. The life that we lived.
(07:46):
So and she, my grandmother was another person who had lots of
medical issues and did not have adequate medical care.
But anyway, so and unexpected cost is I actually go get
pedicures every two weeks because I medically need to.
It's not because I'm oh, I want pretty toes.
I mean, I do, yeah, but there's more to it than that.
What sucks is I don't think you can write that off with an HSA
(08:10):
or SA. It's not a qualified type of
expense either. Nope, because they just think
it's a superficial yeah. What about your teeth?
Oh my gosh. Again, we'll dive deeper in an
episode further on. I'm also realizing how much I'm
slurring today because I had extra rubber bands and I had my
(08:32):
teeth grinded down literally within the last four years
yesterday. So I've had braces prior to my
surgery stuff twice, Once when Iwas in middle school and they
were perfect when I was done with them.
And then when I went to high school, everything started
shifting. I was wearing retainers, but my
jawline was moving and growing and getting things out of place.
(08:52):
I had to get braces again, But and I was also like really aware
of the cost of all this dental work.
And so when I got to the point where like, she needs surgery, I
mean, I don't want to do the surgery.
I don't want to deal with the cost and that guilt of trying to
be pretty 'cause I'm a girl and that's what's expected.
There's a lot of things to unpack there.
(09:13):
Anyways, now as an adult, I did it again.
This time I'm paying for myself,which there's less guilt I guess
because it's my own money and I can do what I want because I'm
no longer in a specific age bracket.
It did cost more for all of my orthodontic work.
And then I had my surgery and the surgery itself was over
$130,000. And then the ortho work is about
(09:36):
probably going to be end up being $7000 because I had
visaline, then I had my fireplaces and then here I am
again and I'll probably end up with the visaline at the end.
So All in all, a down payment ofa house is the cost of my
current jawline and teeth. But luckily insurance covered
most of it. But again, we'll dive deeper in
(09:58):
another episode. Speaking of insurance, I wanted
to talk about how if you do haveinsurance, you know, don't be
afraid, reach out to your insurance policy, your employer.
Often times the insurance that you have, there's an agent of
records or there is a patient advocate that you can reach out
to if you have any questions. If you're having trouble, you
(10:20):
know, finding a medical professional that works with
you. If you have trouble with billing
errors which do happen, they're usually ones that are supposed
to help you navigate through theprocess.
That's great. That's really wonderful because
healthcare benefits are actuallyreally hard to understand.
And when people are burdened with, hey, welcome, you got this
(10:42):
job, congratulations, you have benefits.
You have to now sign up for whatyou want.
And sometimes you don't even know what you're looking at.
Yeah, especially if you, especially for those who don't
know what cost they will be expecting, yes.
Yeah, yes, because there's the co-pay version of insurance and
(11:04):
then there's the Co insurance and then there's the HMO versus
the PPO versus the H then the HSAHPN, there's all these
different acronyms. Deductible versus the Max out of
pocket. Yes.
And then they have a separate deductible for prescriptions.
And so it's it's a racket. Yeah, it's just a racket.
(11:25):
So there's, there's always the patient advocates.
You should also should have benefit specialists at your job
who can provide you with more information to help kind of
decode what options you have available to you.
Something else that I want to know about insurance, if you do
have the privilege to sign up for it, you can also get
critical illness coverage that'stypically separate from your
(11:50):
basic insurance. And so if you end up with
something cancer or you have a really horrible injury or some
kind of accident, the critical illness coverage can come in and
really help to supplement the payments that would go towards
that treatment instead of you racking up this horrible,
horrible bill because your insurance is, oh, we don't cover
(12:12):
catastrophic accidents or illnesses or whatever.
Yeah, it's a mess and there's a resources and available to you.
Yeah, there should be. If there isn't, you can complain
about it. Yeah.
The critical illness coverage isan extra $2.00 a month or
something. That's not something on the
back. Yeah, yeah, yeah.
Yeah, highly recommend, especially if you have family
(12:34):
with critical illnesses that have come up in the past.
It's nice to have that buffer. I get it all, baby, All of it.
You mentioned prescriptions, andprescriptions are something
that, yeah, it's this whole other category of costs that I
forget about even. OK, I have an inhaler, OK.
So I will often get the message of you have a prescription to
(12:56):
pick up. And I was like, I don't think I
got anything from my doctor. And I was like, oh, it's
probably my inhaler. And then I sometimes go in, I'm
like, is it going to be this? And no, sometimes I don't even
know how much they're gonna be paying for my inhaler that year.
I know that inhaler for some people is $70.00 for, for with
their insurance. And I think the last time I, I
paid for it, it was only $10. And I'll shoot, I should get
more of these. Oh my God.
(13:17):
Stockpile them for other people or something.
I remember very vividly this time I had to go pick up an
inhaler and it was $60.00. And this was, I don't know, 15
years ago. Yeah, it was $60.00 and me being
this broke ass, I was like 60 I think.
Nope. Nope.
No, I do not have $60.00. Yep.
(13:39):
I left the inhaler at the pharmacy.
Did you really? Yep.
Yep. It was wheezed all the way out.
Yeah. I have, I've had friends who
didn't have insurance and they're like, Oh yeah, we're
staying with a friend. They have a cat hanging up my my
asthma, but I don't have an inhaler.
And I'm like, I have an extra 1,just take it away.
(13:59):
And it's something that I know happens where people will share
prescriptions. Honestly, I was talking to my
mom the other day and she's like, yeah, I was feeling sick.
So I took your dad's medication that was prescribed for dad for
completely other things. He had the stomach flu.
You have bronchitis. These are two separate things.
(14:22):
I don't know if that's the medication it's just taking, but
that statement alone is just toomuch to dig into.
But there are a lot of emerging resources.
Goodrx is a company based in LosAngeles where they try to help
you find coupons and deals for prescriptions and sometimes
pharmacists deals and coupons for prescriptions as well.
(14:45):
I know one of the companies thatI do marketing for swab books,
they work with Goodrx and so youcan use them to find cash back
on certain prescriptions as well.
And then you mentioned, I think,Mark Cuban's brainchild.
Hell yeah. Cos plus drugs, baby.
Yeah, Mark Cuban was screw Big Pharma.
I'm creating my own website and I'm going to have my own supply
(15:11):
of generic prescription drugs that people can order from his
website at much more affordable cost than what you'll find
typically. You can also talk to your
doctors because sometimes they can provide discounts, they have
access to supplies or pharmaceutical Rep, We'll give
them samples for them to try or for them to give to their
(15:33):
patients to try. So those are all some ways that
you can try to minimize some of the cost of prescriptions.
I know it sucks that we have to rely on other capitalistic
businesses to cover the cost of our healthcare, but these are
some things that are available. And again I'll put links to
these. Oh yeah, absolutely.
Yeah. And I mentioned earlier about
(15:54):
bailing that do occur sometimes.I know it's rough.
You can always it's, I've actually experienced 2 with my
recent jaw surgery procedure in that my insurance wasn't going
to cover it because it was like it's not covered.
And then the, the, the hospitals, well, we didn't get
the right information from your insurance.
We need to make sure you don't have two insurance.
(16:14):
It was the whole work around formonths.
I had my surgery back in July and it wasn't until the end of
October into November that it was settled.
And so there was a little part of me of that three months.
What if it doesn't get settled and I just have to find all this
money somewhere? Honestly though, if I'm being
(16:36):
honest, I feel July to November is quick.
That is actually a very fast. But when you're in the moment.
Yeah, in the moment, My gosh. And this happens when people
have a baby. Yeah.
You go to the hospital, they have a baby, then they get a
bill for $120,000 and. That's if you have a healthy
(16:57):
child even. Yes, that's without the NICU,
without any other interventions for the mother, all the kind of
stuff. Now, I've heard, and I can't
speak to this personally, but I've heard that if you just wait
it out, typically the bill gets paid for somehow because
(17:21):
insurance continues to review and process and review and
process and review and process. And then eventually you get a
different statement from the hospital that has all of those
payments reflected. And so the bill that you have,
your personal financial responsibility is much smaller.
Yeah, I will say that the initial cost that was quoted was
(17:44):
definitely and then the beginning is definitely
different than the end bill thatthe insurance paid out.
And so it continued, it continued to evolve even after
the surgery, which is bonkers because I was been working
towards the surgery for two years and we all know this was
going to happen. I would think it'd be a lot
faster. Yes, I also just it baffles me
(18:06):
that people have to pay to have a baby.
I don't know why. For the longest time I just
assumed, oh, you're having a baby that's free.
Yeah, it's free. It's free to have a.
Baby, I mean some other countries they actually will pay
you to have children. And.
They'll give you a box of goodies of clothing and diapers,
something to get you going. I actually just saw that
Australia upped their maternity leave to six months recently.
(18:28):
Like federally? Yep.
Well, if America wanted to, it would.
We're just dating a really unhealthy government.
And that's how I know I'm not ready to date you.
But yeah, I would say in those instances where there's billing
issues, you know, how patients continue working with your
(18:48):
provider and your insurance as best as you can, sometimes it's
you just gotta wait for it to come in the mail.
Yeah, which is really frustrating.
And sometimes there's payment plans too.
So I just recently got offered apayment plan for my therapist
like, hey, you know, here's yourbill.
If you would like a payment plan, just let us know and we
can set one up. And even if it's not offered, it
(19:11):
typically is something that you can get.
And that is also where a patientadvocate could come in to be,
hey, you know, I want to pay this bill.
I just can't pay all of this amount at the same time.
Yeah, and if we could break it up into monthly installments or
something, then you could work it out.
Yeah. And if you've noticed, you're
trying all these different strategies and you're still not
(19:32):
getting any answers. You're running to Roblox and
there's all this expectations and the miscommunications there.
Every state has like an insurance commissioner person
thing like that kind of a hierarchy that overseas all this
different healthcare insurance. So you know that you can, at the
end of the day, file a grievanceor a complaint for your health
plan. And that is kind of a big deal.
So that is people give you attention when you're at that
(19:56):
point. Yeah, they don't want to get
markers for that and get in trouble.
I can't believe they don't have a trillion markers already.
Did you know about filing a grievance?
Well, no. Most people don't know.
I found out from you. Yeah, when?
We made these notes. And you can find a lot of that
information online, but we'll probably put them below.
(20:17):
We should just start a blog. Let's just have this information
consolidated. It's almost as though the
universe has designed this opportunity for you because you
brought it into existence with our conversation last week.
Perhaps A blog will be in our website in the near future.
We'll see that. Would be so exciting.
(20:39):
Mine is just going to be a rant.And then maybe we could have
contributing writers. I think it'd.
Be really cool, I love that. Yeah.
That's beautiful. People can get some by lines,
get some credit. Yeah, talked about how we should
write A blog. There's actually a lot of things
available online, but if you want things even easier, there's
(21:01):
a lot of resources, generative AI that can scrape the Internet
and give you easy answers. Oh yeah.
So you can find ChatGPT or Gemini or whatever convenient AI
tool that you have and have it answer some of these questions.
What is a co-pay? What is a deductible?
And you know, a lot of people are actually using it to kind of
help with some of their diagnosis, narrow down your
(21:22):
symptoms to an ailment or even find remedies.
Yep. Yeah, not me trying to AI my
home remedies for the last session of our podcast, but I
actually, I did use ChatGPT recently.
I asked it any strategies to help with reducing inflammation.
(21:44):
Yeah. And I, I noted that I wanted it
to be a natural option, so not something that included
medication. And it actually listed a lot of
really great useful tips that I wanna incorporate.
Yeah. And so it is useful, you know,
if if you are looking for ways to manage your pain, manage, you
(22:06):
know, any symptoms that you're experiencing, you know, it
doesn't hurt to just get some open source.
Obviously you gotta use some critical thinking.
I'm I'm not telling you to do exactly what it says.
I'm not a medical. Yeah, definitely vet through
things. Yeah, use your judgment make.
Sure that you are doing stuff that's not totally wack.
If AI starts telling you to eat tide pods, I don't recommend
(22:29):
that. Yeah, 'cause it really just
collects information from the Internet and from whatever
inputs that we put into it, and we'll just regurgitate it.
It doesn't have a sense of truthto these things, but it will
probably aggregate what seems tobe more common and consistent
and spit that back out at you. I would say though like don't
(22:51):
put information into ChatGPT. That could be an identifier or
something that is personal information either for you or
for your loved one. Try to keep it as generic as
possible and leave those personal details out because it
is open source and so really anyone can access that
(23:12):
information that gets put into it.
Yeah. So be careful with your
information. It's I don't think it's meant to
be HIPAA compliant is not necessarily like a tool for
healthcare. So it doesn't have any of those
privacy protections. Yep.
But it's still a great tool. You can figure out meal plans.
If you're on a specific diet andyou find out you've recently
(23:34):
have high cholesterol, you can know what should I be eating?
These are the ingredients in my fridge.
It really helps take that mentalload off I think, which is
really convenient. It's really lovely, especially
for those who suffer from executive dysfunction.
We love a recipe. Here's what's in my pantry.
Tell me what to make. And does it take less than 10
minutes? I'm in.
Yeah. Let's go.
(23:55):
It. Really.
It's helpful. I won't lie, I love it.
I'm glad I shared that with you.I'm so happy you should because
I'm over here using ChatGPT for the most boring step.
Well not really, I lied. I did use it to help me write a
back story for my Dungeons and Dragons character.
Yeah, that's the first thing I did when I played around
(24:15):
ChatGPT. Yeah, that was the reason I made
a ChatGPT account was for Dungeons and Dragons lore, and I
have no regret. That's the kind of stuff I was
using it for, and it didn't evenoccur to me to use it for a more
practical application of my daily life.
So it really could be for everything, yeah.
Yes, well, I, I think we can wrap this up by saying that, you
(24:38):
know, there are a lot of resources, nonprofit and for
profit that are emerging to helpaddress some of the issues that
we're facing in our healthcare and to minimize costs.
But again, like I mentioned in the last episodes, you know, the
only person you can contrast is like your friends and your
community. So we should really continue to
lean on each other back to. That collective mindset.
(25:01):
As we like try to work together to push for change in the state
and federal government for better healthcare continues to
take care of your community. And if you have ideas for
amusing tools or resources for us to look into, please write
them in the comments below. I think we're at a period in
time where there's just so much change happening in the space
(25:24):
that I think with more visibility in all of our
ailments, the dire need of healthcare, paternity care, all
that jazz, I think there's gonnabe a shift and I'm hoping.
I certainly hope so. Yeah.
Yeah, I really do hope so. I will.
I'm gonna give one more shameless plug my favorite thing
ever, because another thing thatyou can really do to stay on top
(25:48):
of your health and manage pain, manage some symptoms.
You got to move, you got to exercise.
You got to make sure that you'regiving yourself opportunities
for movement, even if it's just going for a walk for 5 minutes,
2 minute, anything. It doesn't have to be a lot of
strenuous exercise, but if you're looking for a
recommendation of something to do, I may recommend something
(26:11):
like Pilates. Movement and and to to actually
go on top of that in terms of cheaper solutions.
Also rest. We did an episode about rest.
That is a low cost thing that you could do to help minimize
some of the health care costs that could come from poverty and
(26:32):
stuff. Yes, absolutely.
And making sure that you're allowing yourself to rest in
different ways and that you're allowing your loved ones to rest
in different ways. So if you are living with
someone who's experiencing chronic pain or chronic illness
and they need to manage some of these symptoms, sometimes one of
the best things that you can suggest or help them with is to
(26:53):
just slow down. Slow down, rest.
Take a moment, reflect on what'sgoing on.
It can really make a difference.I have a friend who studied the
effects of mindfulness on chronic illness, and there's a
ton of research that suggests that mindfulness practice has a
(27:14):
really positive impact on your health.
So another nugget to keep in mind.
Also something that's very low cost.
You can find tons of mindfulnessvideos that you can listen to on
YouTube. Yep, there's apps now.
I use an app called Insight Timer, and that's completely
free. There's a paid option, but you
(27:34):
don't really need it. Yeah.
So those are all some great things that you can do.
Yeah, we'll probably do an episode on my fullness and
meditation. That's something that is near
and dear to my heart as well. Oh yay, yeah, we get more and
more ideas every time we talk. We're never.
So many already. We're never going to run out of
episode topics. Let me tell ya.
So much to cover. Yeah.
(27:54):
All right, before we close out, I want to do a celebrity
segment. I wanted to add a little bit of
color into this one. Our celebrity segment is
somebody who grew up in poverty.Her and her siblings, they grew
up with her grandmother in the studio.
I mean, she was actually mocked for her desire to become a
(28:15):
performer and got financially scammed in early in her career,
which is actually very common. She is a singer in Korea.
She's known as Korea's little sister.
And she's recently been working on and addressing her eating
disorder and her hearing disorder that she's been working
through. She did beautiful music video
recently had somebody that was mute in, somebody who's blind or
(28:39):
deaf. She gave visibility to some
disabilities in her work. What a mouthful.
I know what she said, especiallywith my warmth in my mouth.
Completely full with metal and rubber bands, Yes, But yeah.
So this individual is AK Pop Idol, and if you know who it is,
she's great. She's amazing.
And one of her songs will probably be on my playlist for
the wedding. I'm so excited.
(29:01):
That video that you showed me last week was heartbreaking but
really beautiful. Yeah.
Yeah, and she's tiny. So those are all the clues.
If you know who it is, comment below.
We'll share it in the next episode.
Right on. Well, Danny, thank you for
sharing all of these wonderful pieces of advice and resources
(29:22):
that people can use. I think this was a much more
uplifting session. It was really.
Fast too. We just like went for it.
Powered through. I appreciate you sharing all of
this. I was really concerned that I
was gonna be a big downer in my episode, and so I'm glad that we
can end on a little bit of a higher note with this one.
Totally. Cool.
(29:43):
Yay. Good job.
Good job us all. Right, well, we'll see you all
later in the next episode. See you next time, Toodaloo.
Good. Job.
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