The Ministry of Lisa Copen

Lisa Copen, Founder of Rest Ministries which serves the chronically ill, shares about mothering, illness, ministry and more.

Archive for health insurance

Who is Talking About What for Invisible Illness Week Conference?

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We hope you will join us during some of the seminars for
National Invisible Chronic Illness Awareness Week starting tomorrow (Monday, Sept 14)

All times are pacific time, USA
Listen here http://www.invisibleillnessconference.com

Find out all information , speakers and more at http://www.invisibleillnessweek.com

Feel free to pass this along! (In fact, we’d LOVE you to do so!)

SEPT 14

MONDAY – 9 AM
Understanding How we Uniquely Deal with Difficulties in Life
Georgia Shaffer

MONDAY – 12 PM
Finding Health Insurance Coverage with a Pre-existing Condition
Jennifer Jaff

MONDAY – 3 PM
Super Foods for Super-Natural Health
Joanna Faillace

MONDAY – 5:30 PM
Hearts of Gratitude and Joy
Maureen Pratt

SEPT 15

TUESDAY 9 AM
Coping with Chronic Illness in Your Marriage
Bill & Pam Farrell

TUESDAY 12 PM
Coping with Crises on Top of Chronic
Jennifer Saake & Lisa Copen

TUESDAY 3 PM
How to Start a Business When You are Chronically Ill
Kirsten Borrink

TUESDAY 5:30 PM
To to Be Announced
Kelly Rouba

SEPT 16

WEDNESDAY 9 AM

It’s OK to say NO: Building Healthy Boundaries
Jenni Prokopy

WEDNESDAY 12 PM
Parenting When You are Chronically Ill – Chaos and Confessions
Dena Dyer, talking with Lisa Copen

WEDNESDAY 3 PM
Simplifying Your Home and Housework
Marcia Ramsland

WEDNESDAY 5:30 PM
Real Talk About Men and Chronic Illness
Jeff Kenyon

SEPT 17

THURSDAY 9 AM
Find the Job You Desire and Can Do
Rosalind Joffe

THURSDAY 12 PM
When Your Child is Chronically Ill
Jolene Philo

THURSDAY 3 PM
Managing College with a Chronic Illness
Lynn Royster

THURSDAY 5:30 PM
Helping Others Understand Your Pain
Karen Richards

SEPT 18

FRIDAY 9 AM
Applying and Winning Disability Assistance When You Are Chronically Ill
Scott Davis

FRIDAY 12 PM
Being a Teenager with a Chronic Illness
Naomi Kingery

FRIDAY 3 PM
Surgery Preparation
Curtis Dean Hall

FRIDAY 5:30 PM
Closing workshop
Lisa Copen and guests

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Your Kids May Qualify for Health Insurance

doctors and girl with cleft
Image by interplast via Flickr

Can’t afford health insurance right now? The good news is a new bill signed into law by President Obama makes millions of children eligible to receive health insurance.

Even if you are working and even if you have applied in the past and been turned down, your kids may still qualify.

Each state (which includes all USA states) has its own program, with its own eligibility rules, but in many states, uninsured children 18 years old and younger, whose families earn up to $44,500 a year (for a family of four) are eligible for free or low-cost health insurance that pays for

  • doctor visits
  • dental care
  • prescription medicines
  • hospitalizations and
  • much more

Visit the website to find out more at insurekidsnow.gov

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7 Ways Health Reform Is Going to Affect You

View of Capitol Hill from the U.S.
Image via Wikipedia

This entire blog post, 7 Ways Health Reform Is Going to Affect You, is quite interesting at the US News and World Report web site, written by Bernadine Healy, M.D.

Today, Sen. Ted Kennedy introduced a 651-page bill, the first of several bills that will be issued in a flourish in the next few weeks. Since full details of what might make it into the final legislation won’t be known until later this month at the earliest, barely a month is left for any kind of public discussion before a July vote. Enough common threads have emerged, however, to indicate that people should start looking beyond the headlines now for an idea of how the new system will affect them personally. For starters, here are seven ways that your healthcare experience is apt to change

>> I encourage you to read it. (Some good news, some bad news.)

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We’re All 1 Serious Illness Away from Financial Hardship

Seal of the United States bankruptcy court. Ch...
Image via Wikipedia

If you are an American who has health insurance, one would hope that you wouldn’t lose all financial security over one minor illness, right?

Since this blog is for those with illness, the odds are that you already know this isn’t true. In fact, Dr. Deborah Thorne, Professor of Sociology at Ohio University and co-author of a study by Harvard on bankruptcies, believes that our health system “…is so dysfunctional that even the most mundane illness or injury can result in bankruptcy.”

I know many of you are suffering from financial hardships right now that some of us cannot even fathom. I am so sorry that for some reason God has allowed you to experience this battle.  But know that you are not alone and if you have been forced to declare bankruptcy because of your illness, it’s not something you’ve likely had much control over. It’s easy to feel guilty… but know that you are experiencing something many families all over the country are facing too.

This new Harvard study has shown that middle class families (who have health insurance) are being forced to declare bankruptcy more often.. and it’s because of just one serious medical illness.

The Harvard researchers began their study by surveying random debtors of 2,314 bankruptcy filings during early 2007 — before the actual recession hit, so actual figures today are likely worse.

The researchers found:

  • 25% of insurance firms cancel coverage immediately when an employee suffers a serious, disabling illness and another an other quarter cancel coverage within a year.
  • Two-thirds of all bankruptcies in 2007 were caused by medical problems.
  • The rise in medical bankruptcies accounts for a nearly 50 percent of the increase in bankruptcies attributable to medical problems, since 2001.
  • Shockingly, more than three-quarters of the debtors were insured at the start of the bankrupting illness, including 60.3 percent who held private coverage.
  • Two-thirds of the debtors were homeowners and three-fifths had college educations.

The researchers have concluded from their study, that the current employer based system of private health insurance in our country is seriously flawed and needs to be scrapped and replaced with a national single payer system.

The average family that declared bankruptcy were your typical middles class people who were “living the American dream.” And then illness hit and insurance wasn’t enough.

Lisa

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COBRA Coverage is Part of Stimulus Plan

We each have varying degrees of healthcare, but in my case, my husband has our health insurance through his work. If you have a chronic illness, it can be more scary to lose your job because of the health insurance that your spouse or you have than the actual job loss.

This is not typically something I blog about, but I know it was good news for me to hear and I wanted to make sure you heard about it too!

COBRA was put into place years ago. It’s a fancy way of a saying there is an insurance program for those who are covered by their work, and, if laid off, you have 18 months where that company has to cover you with health insurance.

But you pay 100% of what your company was paying.

This is worth noting: Now, with the stimulus program of the USA government, you “only” have to pay 35% of the cost of COBRA for 9 months. (After 9 months you pay 100%.)

But… you have only 60 days to go into your human resources office and get signed up, so if you or your spouse does lose a job, make this the project for day 2 or 3. Don’t wait!

Also worth noting, because of the stimulus plan, if you were laid off after Sept 9, 2008, you can go back and apply now and have your monthly COBRA plans reduced.

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