Betters Quest to Retire $16M of Medical Debt for American Patients

Its a problem that I wish never existed in this country, and that is unfortunately poised to become less forgiving if more than 20 million Americans lose coverage, as the Congressional Budget Office estimates.But medical debt afflicts more than one out of every four working-age Americans, who say they or someone else in their household has had problems paying medical bills in the last year.We at Better are committed toward being effective advocates for patients.

Betters Quest to Retire $16M of Medical Debt for American Patients 1

Were a technology company that shepherds people through an extraordinarily complex system to get their out-of-network medical bills reimbursed from insurance providers even if it takes stacks upon stacks of documentation or hours of phone calls.We do it so that you dont have to.We believe in this so strongly that we are spending our initial revenues as a startup not on ads or on marketing but on buying $16 million worth of medical debt.

John Oliver is the one who inspired this idea after he initiated one of the largest TV giveaways in history last summer when he created a vehicle to purchase $15 million of medical debt, relieving patients of an additional financial burden that so often comes at a time when people are in their most vulnerable state. This is very much a personal mission. Both I and many of our team members at Better have come face-to-face with the complexity and opacity of the current system.

One of our advocates for patients, Ashley Helmetag, endured a multi-year ordeal after a botched jaw surgery cost her several teeth and left her unable to work as a meteorologist.It totally ruined my life for the two years in between the surgery and later operations to fix that work, she said. I was left so twisted and crooked that I was in a lot of pain.

It impacted my work with the Weather Service, where I had to give public presentations. I was drooling all over myself.She would eventually have to switch health insurance providers to one that would pay for corrective work and not deem it a pre-existing condition.

Betters Quest to Retire $16M of Medical Debt for American Patients 2

Another one of our team members, Sheila Bhardwaj, who works on growth, has had occasional asthma attacks throughout her life. What she didnt know about her insurance coverage and local San Francisco hospitals was that not all of them would be considered in-network.I made a fatal incorrect assumption.

Even though the San Francisco General was two blocks away and I could hardly get a word out without coughing, it wouldnt be considered in-network by United Healthcare, she said. Her bills totaled more than $2,000 for two separate attacks under multiple different billing codes.What we now know as patient advocates at Better, however, is that if the episodes were coded as medical emergencies, she wouldve gotten a much different and less costly outcome even though it was outside of her network.

Its bureaucratic minutiae like this that makes the difference between a bill thats affordable and one that is a deep financial shock. One last story is that of a personal friend, Angela Muse Williams, whose husband suffered burns over more than 57 percent of his body after he rushed into a burning building to save their dogs. The tragedy happened just two weeks after she had requested that her employer add him to her policy as her legal partner.

That request hadnt been processed yet. But out of pure chance, a volunteer at the non-profit she worked for happened to have a job in the claims department at her exact health insurance provider. She had a special connection on the inside who vouched for her and her partners credibility.

And so, while he was in a coma, she would receive stacks of bills here and there for anywhere from $1,500 to $30,000 at a time.Im an admin. A paralegal.

I deal with nitpicky paperwork all the time. But I cant imagine what it would be like for someone who is experiencing one of the worst times of their life and doesnt have this skill set. I did not have the emotional bandwidth or brainpower to deal with all of this paperwork.

At the end, her bills one of which is copied below totaled into the millions. But because she had someone advocating for her on the inside, the end dollar amount was zero.Its in this spirit that were taking our initial revenues as a company and buying up millions of medical debt for cents on the dollar, to relieve others of this financial burden.

Let us know your story and how we can help.

Рекомендуемые статьи
Teaching the Way Students Learn: My Journey with Grouping
Teaching the Way Students Learn: My Journey with Grouping
In my seventeen years of teaching, I have learned that we have a tendency to prepare lessons the way that weve been taught or the way we learn best. This isnt necessarily a bad process as a teacher, but it does exclude a number of students in your class who dont think like you do. Until I started teaching, I didnt realize how alone a child could feel not having a strategy that addresses their learning needs, or how lonely is it to be the one in the class who doesnt get it. Grouping allows for students to learn from other like-minded students. Grouping also exposes students to other types of thinking and broadens the way students view academics along with their solutions. Grouping teaches you to honor the learning stance of every learner in the room. It validates every student. The Way We LearnI am a math teacher, and Ive always loved math. I also have always learned math best through repetition. Worksheets after worksheets practicing very similar problems to arrive to very similar answers is how the world of mathematics was made known to me, and I excelled. So, when I started teaching math, I brought that practice right along with me. I sat my students in rows and gave them rows and rows of numbers expecting rows and rows of correct answers. To my 22-year-old surprise, I didnt get the results that I had anticipated. My students returned quite a number of blank papers and more often than not, quite a number of wrong answers. I was devastated. So, I decided to change my practice. I decreased the rows. Instead of single desks, I paired students and sat them two by two in rows for instruction. I then decreased the number of problems they had to complete by lessening the rows on their handouts. Could you believe those strategies didnt work, either?Changing My ApproachI began to ponder how to change my outcome, but I didnt arrive at my answer as quickly as I wouldve liked because I joined the rank and file of educators who see their current issues of instruction as the sum total of poor teaching from their colleagues who had taught their students previously. Its so much easier to sleep at night when its not your problem. In my second and third year of teaching, the Workshop Model was introduced to me as well as the idea that all teachers were literacy teachers. I always say that I entered education at the right time. With the Workshop Model, I had to develop more practice time for students, and with the literacy initiative we had to read. During the expanded practice time, I got a chance to see who was struggling and the misconceptions they had as they tried to solve the problems. During the literacy time, I got a chance to hear who could read and then do the problem and those who struggled to read and do the problems. Unbeknownst to me, I was actually collecting data on my students.Through my observations of what students did when they applied their math understanding, I concluded that students needed to be grouped some of the time with people who responded similarly to them when being taught mathematical concepts. Homogeneous grouping, as I later learned it was called, helped me determine in the initial phases of delivering the content of a topic, what certain learners needed to further their understanding. These groups were very flexible because students didnt always require the same type of help for each topic. If I noticed that a group wasnt working with one another, I would take the time to see if they needed another method of explanation. This later became known as Flexible Grouping, which allows students to transition from group to group depending on their demonstrated need at the time.Designing for Every LearnerI then discovered the need to have members from each group work together. The underlying factor for creating groups that are heterogeneous is to help your students develop the patience for one another and the belief that not all of us learn the same way and at the same time. At twenty-two, I didnt know this key fact in teaching students. After years of experience, I now find it helpful to think of the issue this way: we all have an internal learning clock. If we want someones clock to function in sync with our clock, we may need to adjust our clock to mirror the clock of the learner. When designing learning experiences to meet the needs of my students internal instructional learning criteria, these are the steps I take:First, I need to find others who learn like you and research how to make successful lesson design and delivery with tried and proven techniques for people who learn like you do.Then, I need to analyze your outcomes to see if they match the expectation I have set.Next, I need to give you the chance to work with others who learn using different methods to expose you to a variety of strategies. All the while, I need to collect data on the progress and efficacy of your learning.Grouping students allows me to honor how they learn and providing strategies for them to function efficiently in a group says I respect them as a learner.Kyleema has been an educator since 2001. She started as a NYC Teaching Fellow then became a Math Coach, Assistant Principal, and Principal. She now serves students as a Director of School Renewal for NYC working with five school districts by partnering with principals to develop and implement strategies to improve their graduation rates through academic and social emotional supports for their entire learning community.To be reminded why your work is so very important and for more stories and advice, visit our collection of teacher perspectives at The Art of Teaching.You can view the McGraw-Hill Education Privacy Policy mheducation. com/privacy. html. The views and opinions expressed in this blog are those of the author, and do not reflect the values or positioning of McGraw-Hill Education or its sales
House Empire Construction&Furnishing Co.,Ltd
Sign Up For The Newsletterus
Copyright © 2018 Guangzhou House Empire Construction&Furnishing Co.,Ltd. | All Rights Reserved Design by |Sitemap