

Book Art by Cecilia Levy – Happiness Between Tails
Click H-E-R-E for my podcast page at AnchorFM. This week’s show is the audio version of the HBT blog post, “Book Art by Cecilia Levy.”
At the Happiness Between Tails podcast page, you’ll also find links to subscribe, hear, and share it via most any platform, from Spotify and Apple Podcasts, to Google Podcasts and Pocket Casts, along with RadioPublic and Castbox and Stitcher and more, plus an RSS feed. Check out the full list of 50+ places.
Are you a creative novelist like me or work at anything else for which there’s never enough time? For too many people, precious moments are squandered ironing out business issues with health care agencies, stores, and all manner of institutions. The one silver lining is that any time a consumer fights for fairness, it helps everyone.
Here are some of the things that worked for me when health insurance woes added to the chaos of when I had cancer and when I injured my knee. If you’re covered through your employer, their personnel department is your mediator. The rest of us must tough it out on our own.
Before listing some of the tactics I’ve gathered that can be used anywhere and with any type of business, I owe great thanks to Obamacare. Here in California it’s implemented as Covered California (Obamacare’s official name is the Patient Protection and Affordable Care Act (PPACA), or the Affordable Care Act (ACA) for short.) Thanks to ObamaCare, it is illegal for insurance companies to discriminate against gender and pre-existing conditions other than tobacco use. Best of all, it ensures everyone is covered.
Note to Californians like me: Most know Covered California subsidizes health insurance for individuals with low incomes. (Medi-Cal helps people with zero income.) Few are aware it can broker for anyone. They’re a formidable mediator with excellent customer service! Thanks to them, it was a heck of a lot easier to work out my insurance problems.
- Above all else, stay solution-oriented and tenacious.
- Be emphatic about what you need and why. Make sure whoever you’re speaking with understands how important this is to you. Don’t settle for their doing what’s easiest for themselves.
- Telephoning, not merely emailing, achieves more immediate and thorough results. Phone when they’re least busy, such as early on weekdays or after 7pm. Forget about weekends. Even if they’re open, they’re likely to be super busy and their decision-makers are usually off-duty.
- Don’t waste time. Again, telephoning and not leaving things to just email works best. When using the phone, the moment they start to give you the runaround, ask to speak to a supervisor. If they’re totally obtuse, hang up and redial so you might encounter someone better. Later, be sure to fill out an online grievance form.
- If your grievance is not rectified within 30 days, it’s easy to file a lawsuit with the state. To learn how to do this without paying a private lawyer, google “how to file a consumer lawsuit.” In the case of health insurance, consult your broker.
- Don’t take things personally. Stay focused. For everyone but you, it’s just business.
- Refuse “No.”
- Keep notes regarding: A) who you spoke with, B) the number you dialed, the date, and the time of day, C) a transaction case ID number, ticket number, or whatever identifier they use for your interaction.
For interacting with a doctor, Kaiser Permanente offers great advice. In short, start by researching for like-minded physicians, then communicate assertively with notes and questions. Bringing a family member or patient advocate can help.
Doctors strive to be reassuring, but if yours isn’t concerned enough, use the “C.U.S.” method. State:
- C: I’m Concerned.
- U: I’m Uncomfortable with your diagnosis.
- S: My top priority is my Safety.
Also, it never hurts to get a second opinion.
Good luck! I’m rooting for you — it’ll help all of us.

Have you experienced terrible service?
Great tips, da-AL, that can be used in all facets of life, not just for health!
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I agree, Pam – it’s good to be assertive, for everyone’s sakes
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👍👏
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Good advice for sure.
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glad you enjoyed it & tx for visiting 🙂
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[…] Happiness Between Tails da-AL brings us specific methods to get insurance companies to handle our medical expenses. […]
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thank you for the reblog 🙂
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Reblogged this on Ned Hamson's Second Line View of the News.
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thanks much, Ned!
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[…] (Click here for an audio version of the post that follows…) […]
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👍
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Nice picture of the dog
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thank you, Gianluca 🙂
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You’re welcome ☺
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Thanks. It is of great help to anyone. May God bless you ‘the kingdom of God’.
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thank you 🙂
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I’m Canadian so I never have to go through this–so sorry that it’s such an ordeal for you. Healthcare shouldn’t be that hard.
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am so envious…
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It’s interesting with ObamaCare because what I know of it in practice comes from the bloggers I read online. I don’t trust our media to give us genuine insights. I see a lot of negativity around it, but it sounds like this is what’s helping to ensure insurance companies can no longer discriminate, at least in terms of pre-existing conditions and gender. It’s awful it’s taken so long for that to be put into law, but I’m glad it has.
I love your tips, da-AL. You’ve taken such a no-nonsense and assertive approach, which is very important. It can be hard doing that and standing up for ourselves as patients, especially if we’re shy or we’re exhausted and feeling hopeless. Those notes you mention in point no8 are really important too. You never realise just how important they are until you need them! xx
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thank you, Caz — I shudder to think how many people suffer all the more because they aren’t assertive enough or don’t have the energy…
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