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Thursday, December 16, 2010

All I want for Christmas ....

Dear Diary,

No matter how hard I try or how many times we return to Dr. Felice's office, I still get an
indecisive pit in my stomach when I walk through the front door. One of the greatest gifts I have is that I have a gut feeling about everything. My gut can tell me if PSU is going to pull out the win or if I'm going to be offered a job or even if the steak is done on the grill without really even looking. My gut and a bit of common sense has gotten me far in life, an undergrad degree, a masters, a marriage .... but now nothing.

Cancer has weakened my greatest super-power and has made a crack in the foundation of my house of cards. I can never predict what Dr. Felice is going to say from month to month. Cancer is so unpredictable and I'm afraid that no amount of gut or common sense can change that.

Though Andrew had a good appointment today and his chem panel blood tests seem normal, Dr. Felice is still sending out Andrew's labs to be further analyzed because of his never-ending fatigue. Dr. Felice has also ordered an MRI for Monday to rule out any further cancerous activity that could be contributing to his exhaustion. But all of this is really being done to just be overly cautious.

Of course going to any doctors appointment, at this point in our lives, adds anxiousness and stress to the day but we continue to think positively. My gut tells me that everything will continue to be stable but my brain always stops me and tells me to just take it one step at a time. And if Santa is listening, I would really really really like to have a crystal ball that predicts the future. Life is hard enough without this stress every 3 months.

But as for Andrew, he continues to be a mountain man .... see picture above. Dr. Felice even gave Andrew an early Christmas gift by teaching him one of his famous card tricks. My gut tells me that Dr. Felice only reserves his card trick secrets for really special patients. And I know Andrew falls into that category .... and for that I will forever be grateful.

Raising Awareness for Rare Diseases .

Love, Hugs, Kisses, Awareness and Hope ~ Amy

Tuesday, December 7, 2010

Holiday Wish List

Some days I cannot help but be nostalgic and think back to last year at this time. Andrew had finished radiation and was continuing on with chemotherapy. The end of treatment seemed so far away and normalcy was a thing of the past. But we managed (and I'd like to report, that just like last year I am already done with the holiday shopping :) ).

Though Andrew's cancer is a thing of the past, I sometimes find it hard to believe. Andrew and I both look at life and what is important a lot differently than we did in the past. We don't stress the little things, find joy in mundane activities and enjoy whatever comes next in life.

During this holiday season, we hope that our loyal readers will do the same. The holidays can be a stressful time, especially for those going through life-altering experiences. We ask everyone to do their part to find joy in every task, big or small, they encounter over the holidays. Spend time helping others who need assistance and take time out of your day to make someone else's day special.

There are many things you can do from volunteering; helping to wrap gifts; giving to the less fortunate; or just donating your time. We hope that you can all add something like this to your holiday wish list.


Have a safe, happy and healthy holiday season.


Raising Awareness for Rare Diseases .....

Wednesday, December 1, 2010

What does my health insurance plan mean for me?

Health Insurance has changed drastically over the past 30 years and has become more of a luxury than a given. With the country in an economical recession, employers are looking to make cuts and unfortunately, health insurance with its high premium costs are the first to go. But even with cuts, health insurance companies are offering more and more options to their plans. So what do they all mean?

In general, health insurance can be broken up into 4 categories: Traditional Indemnity plan (often called fee-for-service plans); PPO or Preferred Provider Organizations; POS or Point-Of-Service plans; and HMO or Health Maintenance Organizations.

A Traditional Indemnity Plan or Fee-For-Service (FFS) plan is probably an option that is not as well publicized as the other plans on the list. They do not have a contracted network of health care providers; instead, they decide on a set amount that they will pay for each service. The way the plan usually works is that a patient may have a procedure done at the hospital that costs $2000. The FFS might only reimburse for $1500 of that procedure. That means the patient is responsible for the remaining $500 plus whatever may be charged for any doctors or office follow-up visits. The plan does allow for a lot of flexibility to see whatever doctor or specialist the patient would like to see, the downside is that the cost could become drastically higher than being with one of the other 3 plan options.

Choosing the Preferred Provider Organization (PPO) as your health insurance option allows you the flexibility to receive medical treatment ‘in network’ (a database of doctors already preauthorized to treat you as a patient for a fixed cost determined by the doctor’s office and the health insurance company) for a fixed fee or ‘out of network’ (not under the rules above) for a higher premium cost. PPO’s are also more flexible and do not require a Primary Care Physician.

The Point-of-Service (POS) plan is a cross between the PPO plan and the HMO plan. Like an HMO plan, a POS plan requires that you have approval from a Primary Care Physician before seeing a specialist and will cover almost all charges as long as you choose someone with the network of prescribed doctors. But similarly, the POS plan is also flexible like the PPO plan in that you can choose to see a doctor out of network for usually a small co-pay or fee.

And a HMO or Health Maintenance Organization is a form of health insurance where the hospital and health care provider will work out an agreement to provide the most affordable form of insurance to the insurer. HMO companies work with hospitals and doctor’s offices to outline the specifics of what they will and won’t pay for services rendered– with no exceptions. For this reason, persons with HMO coverage must only use doctors and hospitals ‘in-network’ to receive treatment or they will be charged fully for the services provided. HMO patients must also have a Primary Care Physician approval before having any specialist treatment.

Different companies and different employers may offer variations on these 4 categories, so it is important to fully read your health insurance options before choosing the one that is best for you and your family. Remember to contact your benefits representative in your office to ask any questions, question charges from procedures or medical bills, and voice any concerns you have about your current coverage. Also ask scenario questions about each of the health care options available to you. What you would if, what do you do when, who do you contact if ….. It is important to know the in’s and out’s of your policy before something happens so you can be prepared for what to do next. Also, keep a paper-copy of your policy available if ever needed in case of emergency.

Each year companies have the option to change or maintain the same plan structure, so speak up if you feel something could better benefit you and your fellow employees.

Raising Awareness for Rare Diseases …..