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July 21st, 2009

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Maria’s *Bling* Your Own HandiRecords

June 4th, 2009

Here are photos of Maria’s *Bling* Your Own HandiRecords she made for her husband. Maria is a dedicated altered books crafter, so has loads of craft supplies sitting around. I laughed when I realized the back says, “fancy pants”. Pretty cute!

The front of Maria's *Bling* Your Own HandiRecords

The front of Maria's *Bling* Your Own HandiRecords

Maria's *Bling* Your Own HandiRecords - back

Maria's *Bling* Your Own HandiRecords - back

She said she would have liked to have *blinged* up her husband’s HandiRecords even more, but knew he wouldn’t carry it if she did! She still has to *Bling* her own HandiRecords and we’ll publish those pictures when she sends them.

It’s always thrilling to see what others have done with their creativity, particularly when it’s a personalized HandiRecords!

Extreme Self Care for Caregivers

May 31st, 2009

I have been listening to “The Art of Extreme Self Care” by Cheryl Richardson on audio book. It’s a fabulous resource for caregivers. Through her examples, Cheryl helps us understand that taking care of ourselves is more important than taking care of others. We should be #1 on our own list, in order to give our best to our loved ones and the world at large. That’s a hard concept for most caregivers to understand or accept. We’re programmed to take care of others first and to put ourselves at the end of the list, if we’re on that list at all.

I’ve stalled in my weight loss for now, but I’m beefing up my walking. I had a great restorative walk yesterday with my friend, Libby, and her dog Buddy. There’s nothing better than to be outside on a beautiful day with friends of the human and canine variety. Libby and I looked for interesting birds, while Buddy boy was happily running through  small puddles, getting his doggy paws gloriously muddy. We all came away tired but happy.

Buddy the Wonder dog

Buddy the Wonder dog

In addition to picking up my exercise, my extreme self care also includes clearing the clutter from my home environment. I need sanctuary in my home and having piles of papers (mom and dad produce a TON of insurance and medicare paperwork along with bank statements to be reconciled and debit card bills to be entered) everywhere does not give me that peace. So today it’s all about clearing and cleaning.  And a nice soul nourishing nap. I can hardly wait!

My caregivers weight loss — Week 1 results!

May 6th, 2009

After one week, I’m down 3 pounds and I’m ecstatic! Best of all, I can FEEL that I’ve lost those 3 pounds. I went for a walk last night with my friend, Libby and her dog, Buddy. I only had to stop once — an improvement over my first walk, when I had to stop a couple of times. Buddy really keeps us both moving, which is a part of the joy of dog ownership. I’m hoping that with the improving weather, walks with Libby and Buddy will become more frequent and my stamina will improve.

Using the principles of the Instinct Diet, I’m eating lots more veggies and have stopped my sweets binges in the evening. I’m also weighing myself daily, just to keep a handle on things. I eat good foods when I’m hungry, instead of potato chips. And I only have one kind of sweets in my house, York Peppermint Patties. After a week, the patties are calling to me more infrequently. In fact, they’ve become boring, which is the idea! Limited variety leads to boredom. YAAAAY boredom! I don’t feel deprived or ravenous. I made a rhubarb/strawberry pie for my folks and enjoyed a piece of it before I took it to them. So I’m not saying “no” to any foods I really want, I’m just eating smaller portions and then waiting until I’m hungry again to eat. So far, so good!

This past week was stressful because my dad experienced his first pain from his lung cancer. That night, neither my mom nor I slept very well, imagining things to come. Lucky for us all, he woke up pain free, which was a great blessing. He’s had one other day with  some pain, but now we’ve got him some pain meds and we’ll continue to take each day as it comes to us.

I’m looking forward to more weight loss and I hope I can find some other caregivers to join me in taking care of themselves! I’m proud that I have chosen to take care of myself during this stressful time in my life.

Join my caregiver’s journey to weight loss

April 27th, 2009

Let’s get it right out there. I weighed this morning – the first time I’ve had the courage in 11 months.  I weigh 258 pounds. That’s the most I’ve ever weighed in my life. At 5′9″, it means I have about 60-80 pounds to lose. But it’s a lot less than I thought I’d weigh. The last time I weighed, I was 250. I’d convinced myself I had gained 25 pounds, because I could see how much I’d gained whenever I caught my reflection in a store’s window. My reflection didn’t look like me. When I had a friend take photos for my Twitter profile (@twitter/blannie1), I had to crop the photo at the bottom, so my double chin didn’t show. The steady weight gain I’d experienced over the past 10 years has suddenly increased exponentially in the past two to three years.

As I reflect, it’s been a tough couple of years. One of my best friends, Philip, who was like a brother to me, waged an unsuccessful three year fight against kidney cancer. That represents at least 30 pounds of my weight gain. With Philip’s illness and death, I had to accept that I didn’t control the universe and no matter how much I loved someone, I couldn’t save them. I also had to accept the hard realization that information wasn’t the complete answer either. Prior to Philip’s death, I always believed if you did your research, you could find the answer that would fix your problem. Instead of dealing with those emotions and realizations, I ate. Mostly at night, mostly sweets, usually by myself.

During the same time Philip was fighting his battle, another good friend, Suzanne, went through three bouts of cancer, and finally succumbed. Suzanne was younger than me. And my cousin, Hank, went through a pretty horrific bone marrow transplant and died three months later. He was also younger than me.  In the past three years, my own mortality and human frailty was beating me over the head.

In 2001, I moved my mom (now 89) and dad (now 91) up from central Illinois to live near me. Over the past couple of years, their caregiving needs have grown, particularly when my mom stopped driving three years ago. From that moment on, I felt the full weight of responsibility for bringing them food they enjoyed, getting them library books, taking them out to eat and to shop. I was their window to the world. I also took over managing their money, getting them to doctors, taking care of their mountain of insurance paperwork, and keeping them on an even emotional keel, through listening to their ups and downs. It all fell to me and on me. And whenever I felt overwhelmed, I ate to comfort myself.

Last December, my dad collapsed and was diagnosed with terminal lung cancer. He was hospitalized for a week, then moved to the skilled nursing facility attached to the independent living facility where he and my mom live. During his month in skilled nursing, I maintained three separate households. I did my dad’s laundry, visited him daily, kept him in library books, and got him to his daily radiation and doctor’s appointments. I also took care of my mom, trying to keep her informed and adjusted to our new reality of a finite timeline to my dad’s life. I kept her in good library books to take her mind off the realities of the situation, took her out, and got her down to visit my dad. It was hectic, sad, and draining. I became the uber parent to my own parents. When my older brother came for a four day visit (his first in two years), he got sick, so I wound up taking care of him too.

I am everybody’s caregiver. It’s my life’s blessing and my curse. I’m the one people call when there’s an emergency. I’m the cat and dog sitter. I’m the counselor. I listen to everyone. I solve the world’s problems and leave my own at the bottom of the heap. I take care of everyone but myself.

Until now.

Over the past few months, I’ve scared myself with how out-of-shape I’ve become. Walking a flight of stairs winds me. When I walk any distance, my legs go numb off and on. Since I’m on individual insurance as a small business owner, I don’t even want to see a doctor about it, because I might lose my health insurance all together. When I went off COBRA, only two companies would even give me a quote, because of my weight, despite the fact that I’m healthier than anyone my own age that I know. I don’t smoke, rarely drink, am vegetarian, have normal blood pressure, and don’t take any medications at all — at 58 years of age. My mom and dad and brother are all still alive.  But I’m obese. The first time I saw that on my medical chart, I about died – and of course, I went home and ate more. If you’re overweight, you’ve heard it all before and probably lived it yourself. Our stories are as varied and yet remarkably the same.

Over the past week, I’ve started to put myself back into the caregiving picture. Starting today, I publicly commit to turning my fabulous, not-to-be-duplicated, out-of-this-world caregiving skills towards giving care to MYSELF! I have purchased The Instinct Diet and I am ready to put my own emotional, spiritual, and physical needs first. I will use my caregiving skills on myself in the same laser-focused way I have done for so many people in my life.

If you’re a fellow caregiver and you’d like to join me in putting yourself first in whatever way works for you, I’d love to have you join me. There’s strength and support in numbers.  I’ll be posting regular updates on how I’m doing. I figure this public forum will keep me honest and on-track. So today it begins. And I’m finally ready. WOOHOO!

Insurance Claim Overpayment…Deja Vu All Over Again

April 8th, 2009

Ten years ago, when I started caregiving for my parents, I quickly discovered my mom was overpaying their medical bills. Mom (89) and dad (91) are from a generation that paid a bill as soon as you received it. You didn’t let it linger and *God forbid* you ever waited until you got a collection notice.

Luckily for them, my former career was in Human Resources where I spent time helping employees resolve insurance issues.  I know with multiple insurance providers, you wait for them all to pay before you see what you owe.  I also know that the bills from the providers during that waiting period can feel pretty threatening and intimidating to someone used to paying their bills on time.  I have spent many a conversation telling my mom not to worry about a Second Notice bill from a provider.

Ten years ago, I was able to get $1,600 in overpayments refunded to my parents. Once I started, I was “on a mission.” It took  a spreadsheet to keep track of the multiple providers, phone calls and follow up phone calls  as I negotiated the byzantine world of insurance payments and refunds. I fully believe those overpayments would not have been refunded without my badgering.

Today it’s happened once again.  My parents have Medicare and excellent secondary healthcare coverage, which normally pays 100% for doctors’ charges. I had a $35.27 ER visit  bill for my dad from December. I paid it, thinking it was for medical transport. But we continued to get notices that it was still owed - including the dreaded “collection notice”. I called this morning, determined to rake the billing office over the coals for not crediting the paid amount to his account. I was temporarily silenced when the customer service woman told me the $35.27 I had paid was for a bill my mom incurred during an ER visit in October. Welllll…that shut me up! Maybe I DID owe the $35.27 on my dad and was being a bill-paying slacker! So I immediately slunk off the call feeling like my righteous anger was undeserved.

Then I called my dad’s secondary insurance carrier to see why they weren’t paying his $35.27 bill. Lo and behold, it turns out it will be paid by the State of Illinois. Like many states right now, they’re  dragging their feet paying bills. The insurance rep said the doctor’s service will receive 9% interest for waiting, which sounds pretty good to me. I immediately asked the secondary insurance provider about the $35.27 I had already paid on my mom’s account. Guess what… the State is very close to paying that too.

Now my question as a caregiver is, don’t you think the doc’s billing service that operates in the State of Illinois  understands this? If not, why not? It’s their stock-in-trade. It’s what they do all day long. Deal with insurance. Why do I have to track this down and figure it out? A cynic might believe that the billing service is simply trying to get clients to pay the bill, knowing full well they’ll also be reimbursed by the state. They get the patient’s money, then get the state’s money with the added interest. It’s a sweet little overpayment deal if it works. And I’m sure a lot of the time it works.  Particularly with the most vulnerable senior citizens and/or their overworked caregivers - the people who can afford it the least.

How many other senior citizens or their caregivers simply pay the $35.27 for fear it will be sent to collection and ruin their credit? Why isn’t anyone talking about these kinds of overpayments? Does anyone ever audit medical providers for these types of overpayments and their refund to consumers? I have never seen any mention of how much money is overpaid to medical providers and then refunded or not refunded. While $35.27 isn’t much, multiplied over and over again, it becomes a nice little side income.

I may wait to see if they refund that $35.27 to my parents. Will they refund it without my intervention and badgering? With my previous overpayment experience, I’m cynical enough to doubt it. What do you think?