How to Pay for Cancer Care

A cancer diagnosis can be frightening enough without the additional fear of how to pay for your health care. No one wants to be in situation of having to choose a treatment option based on how it will affect your bank account. As a new year rolls in, some will receive a cancer diagnosis in 2014. Fortunately, we now have many resources available that provide guidance through all aspects of one’s cancer journey.

CURE magazine is currently the largest consumer magazine in the U.S. that is dedicated to providing cancer information to patients, survivors, caregivers and family members. Their winter issue has a special supplemental report about how to pay for cancer care. It features the following articles:

  • Financial Fix: A cancer diagnosis could break the bank but it doesn’t have to.
  • Risky Business: Concerns about insurance coverage should be addressed early.
  • Added Benefits: What healthcare reform means for people with cancer.
  • Debt Crisis: Coping with cancer’s financial aftermath calls for creative solutions.
  • Money Madness: Worrying about the cost of care can take an emotional toll.

Currently, CURE magazine is offering a FREE subscription which includes 4 issues per year along with their annual cancer guide. CURE covers advances in treatment, clinical trials, insurance issues, managing side effects and much more. To get your free subscription, go to https://cur.magserv.com/cgi-bin/subscribe?qt=new

 

 

 

 

November = National Diabetes Month

November is National Diabetes Month with November 14 recognized as World Diabetes Day. Diabetes is a chronic metabolic disorder that affects 1 in 12 U.S. adults. Currently approximately 25 million people have diabetes while an additional estimated 80 million are at risk of developing diabetes. It is on track to become the 7th leading cause of death in the world by 2030. The number of individuals with diabetes is projected to increase 50% in 10 years.

Diabetes is the leading cause of blindness, kidney failure and amputation. Nerve damage affects approximately 65% of those living with diabetes. Currently $245 billion is the cost of diabetes within the U.S. healthcare system.

There are three types of diabetes. Type 1 occurs when there is a lack of insulin being produced by the pancreas. Type 2 develops when the body ineffectively uses insulin that it produces. The third type is gestational diabetes which appears during some pregnancies.

It is estimated that 90% of diabetes worldwide is type 2 diabetes caused by insulin resistance. Insulin is a hormone produced in the pancreas to regulate your blood glucose level. Insulin regulates the amount of glucose that enters into our body’s cells. If you are insulin resistant your cells are not properly receiving the glucose so high amounts stay in your bloodstream. Your pancreas continues to produce insulin due to the large amount of glucose detected. The result is that your blood glucose level continues to stay unregulated at an unhealthy level which causes devastating damage throughout your body.

Type 2 diabetes is primarily caused by genetics and lifestyle. A simple fasting blood glucose test can be used to detect pre-diabetes so treatment can start immediately. Treatment best practices primarily include diet and nutrition, exercise and medication.

Regular monitoring of blood sugar levels is important in order for your diet to be an effective treatment method. External factors such as illness, stress, physical activity and hormone fluctuations can change blood sugar levels unpredictably. Monitoring these blood sugar levels can help you make adjustments to your diet accordingly. When establishing a diet it is important to consider the glycemic index, a measure of how quickly a particular food causes a rise in blood sugar levels. Based on a scale from 0 to 100 foods rated under 55 are considered low glycemic. 70 or greater is considered high glycemic. The higher the number in the scale translates to how quickly you will absorb the glucose which will expedite an increase in your blood glucose level.

Low glycemic foods are not necessarily good for you just as high glycemic foods are not necessarily bad. The goal is to stabilize your blood glucose level throughout the day and minimize triggers that will quickly affect your level. Foods with low glycemic indexes raise blood sugar levels slowly, thus they make it easier to stabilize your blood sugar level in your target range.

Here is a sample of some specific foods and their glycemic level on the scale of 0-100.

Apple – 38

Cherries – 22

Kiwi – 58

Cantaloupe – 65

Watermelon – 72

Broccoli – 10

Carrots – 49

Corn – 60

Pumpkin – 75

Pretzels – 83

Peanuts – 15

Potato Chips – 57

Popcorn – 72

Cheerios – 74

Corn Flakes – 92

Graham Crackers – 74

Rice Crackers – 91

Spaghetti – 38

Lentils – 29

Chocolate Chip Cookie – 44

Ice Cream – 38

French Fries – 75

Sweet Potatoes – 44

Bagel – 72

French Baguette – 95

For more information about prevention, symptoms, treatment options, and research you can visit the American Diabetes Association web site http://www.diabetes.org/diabetes-basics/?loc=GlobalNavDB

 

 

University of Colorado Cancer Center Will Host TED Talks

TED is a non-profit organization that provides conferences and presentations on diverse topics like Technology, Entertainment and Design (TED). Since its inception in 1984, it has expanded to include science, humanities, business, arts and more. It offers free, on-demand access to global subject matter experts that present no more than 10 minutes on a specific topic.

TED Talks will be coming to the University of Colorado Anschutz Medical Campus on October 2 for live presentations on cancer prevention and survivorship. Local and national experts will be presenting as well as a tour will be available of the University of Colorado Cancer Center. Everyone is welcome to attend!

Useful Tool To Monitor Long-Distance Care

Caregiving for a family member has become a new job title for many relatives. Currently, 39% of U.S. adults provide care for a loved one. This statistic has increased 9% from 2010. Long-distance caregiving for an elderly parent is common due to families relocating based on a specific career path. Research has found that many caregivers utilize technology to help diagnose and manage their loved one’s health care whether they live in close proximity or far away.

A product that I have found to be helpful in my patient advocacy business for family caregivers is called UP developed by Jawbone. It is a $130 wristband that is used in  conjunction with a free Internet app to track your daily sleep, food consumption and mobility. It is very user-friendly and provides data that can help you proactively manage your health. The data obtained will allow you to make informed decisions on current and anticipated care needs.

Since sleep patterns change considerably as we age, especially for individuals living with dementia, it is beneficial to know not only when one falls asleep throughout the day but also how long do they sleep and how frequently do they get up.

It has been stated that 10,000 steps per day for an active person is a healthy goal. But what about an elderly person who has a medical condition that affects his/her mobility? The UP wristband will allow you to track on a daily basis the amount of steps taken. This information can be used to justify increasing therapy and/or revising an exercise plan to maintain or improve results.

Food consumption can be monitored once it has been entered into the application. Depending on the cognition level of the older adult, someone may need to assist during this process or you can choose not to track food intake and calories.

If an in-home caregiver has been hired or an assisted living community is utilized, this is also a good way to monitor their personal care for your loved one.

For more information about UP, visit https://jawbone.com/up.

 

 

 

Early Detection of Pancreatic Cancer

Finally there is hope for early detection of pancreatic cancer. At the age of 15, Jack Andraka discovered a protein that can be found in high levels in the blood stream early on during the disease process.

Due to current testing for pancreatic cancer being expensive and inaccurate, 85% are diagnosed too late for treatment to be effective. The 5 year survival rate is 6%. The protein that Jack found to be common in early stage pancreatic cancers is called mesothelin. This is the same protein that is found in abundance in lung and ovarian cancer patients. Jack’s breakthrough using a simple paper sensor can be used to detect other proteins that are biomarkers for additional cancers and other diseases.

Since his discovery, Jack has patented his potentially life-saving innovation. Hopefully, our bureaucratic healthcare system will not waste more time and money getting this diagnostic test distributed to those who need it.

Click here to watch Jack during his inspiring TED Talks presentation!

 

 

 

Summer = Skin Cancer Prevention

This is our first summer season with new FDA regulations for marketing sunscreen without using misleading claims of effectiveness. 2 million Americans have a skin cancer removed every year. It is the most common cancer diagnosed in the U.S. Due to Colorado’s high altitude, skin cancer diagnoses are much higher than the national average. Throughout the U.S., the rate of new diagnoses has tripled over the past 35 years.

Most people are fully aware of the dangers of the sun when it comes to skin cancer and the need to use sunscreen. Unfortunately, we think that we are protecting our bodies by applying a lotion based on the claims found on the label. The new FDA rules are still the weakest regulations compared to other countries. Many of the available sunscreens in the U.S. would not be allowed to be purchased in other countries due to being ineffective against preventing sun damage.

Skin examinations are still the best detection for identifying skin cancer. Basal cell and squamous cell carcinoma are mostly curable. Melanoma is responsible for 75% of all skin cancer deaths. It often begins in a mole and it is the most common cancer for young adults, primarily women. In women, it tends to be found on the lower legs. Men typically have it appear on their upper back. Metastatic melanoma does not respond well to chemotherapy or radiation. In 2013, it is estimated that 76,000 will be diagnosed with melanoma. Approximately 9,500 will die from this disease.

When purchasing sunscreen many believe that the higher the SPF the better you are protected. This claim is false and the FDA has proposed to limit SPF claims to 50+ but so far not all manufacturers are cooperating. Purchase sunscreen that protects equally against UVA and UVB rays. Many sunscreen products state that they offer “broad spectrum” protection but they do not provide adequate protection against both UVA and UVB rays.

Everyone knows by now that tanning beds are harmful. How harmful are they? Exposure to tanning beds before the age of 30 increases your risk of melanoma by 75%.

Many people rely completely on the use of sunscreen to protect against skin cancer. If other precautions are not taken to reduce sun exposure, many individuals will still tend to burn which is linked to cancer.

Today is the kickoff of the annual meeting for the American Society of Clinical Oncology (ASCO). There are several sessions dedicated to advances in melanoma research, treatment and patient care. This week the FDA approved Trametinib for the treatment of metastatic melanoma. For more information about melanoma treatment, you can visit the National Cancer Institute web site at: http://www.cancer.gov/cancertopics/pdq/treatment/melanoma/Patient/page1

 

Communicate With Patients Like You

Many individuals dealing with a serious medical condition take comfort in discussing successful symptom management and treatment plans with others living with the same illness. Advances in internet technology and mobile phone applications now allow patients to access information and share knowledge from personal experiences 24/7 by interacting with the company PatientsLikeMe. PatientsLikeMe understands the value of people with illnesses having an opportunity to interact with others experiencing similar symptoms, side effects and prognosis.

It was founded by two brothers who were inspired to help their other brother overcome the effects of ALS, Lou Gehrig’s disease. Their questions and varied attempts to treat their brother’s symptoms led to the creation of PatientsLikeMe. Like many patients and their family members they wanted to know, “Is what I’m experiencing normal?” “Is there anyone else out there like me?” Since its inception in 2004, PatientsLikeMe has expanded from being a platform for a patient’s journey with ALS to now covering over 500 medical conditions.

There are three tenets that PatientsLikeMe offers the member base; learn, connect and track. Learn from others about your own medical condition and proactively take control of your health care. Connect with others by filtering the online patient community by age, gender, symptoms, and interests. Track your own health so you can see how you are doing and compare yourself to others facing a similar journey.

The process of identifying appropriate clinical trials will be easier for members of PatientsLikeMe. The company has created a matching tool that integrates with clinicaltrials.gov. This will enable its members to be notified in a timely manner of specific clinical trials best suited for them.

PatientsLikeMe is a free service for those who want to join. They make money by taking the real-time research and data collected from its members and selling to organizations to expedite the process of developing treatments and cures. Personally identifiable information is not shared or sold. Pharmaceutical companies, medical device manufacturers, researchers, insurance companies and medical services partner with PatientsLikeMe so that they can obtain the data they need to quickly develop products and services to help their own customer base.

The medical community is seeing positive health benefits from patients interacting with one another. Aetna recently agreed to a one year pilot program with PatientsLikeMe and will direct their insurance members to the web site.

To join the PatientsLikeMe online community, visit http://www.patientslikeme.com.

Pre-Existing Condition Insurance Plans Are Out of Money

The Federal and State funded programs for the Pre-Existing Condition Insurance Plan (PCIP) have suspended new enrollments due to lack of funding. The Federal plan was a temporary program created to provide insurance coverage for appropriately 375,000 individuals with pre-existing conditions. The goal of the PCIP program was to provide coverage for those who needed it until the 2014 health exchanges were available to the public.

It should not be surprising that the $5 billion dollars which was allocated is running low on funds due to the high medical costs of the enrollees. Only 130,000 people are currently insured in the plan. One requirement for enrollment was to be without insurance for 6 months. That provision made it more difficult for chronic illnesses to be managed successfully thus increasing care needs once they were accepted into the plan.

The U.S. government has stated that individuals already accepted into the plan will continue to receive their benefits. Individuals that were hoping to apply now will need to hold out until January 2014. At that time, premiums offered in the health exchanges are supposed to be “affordable” but don’t expect them to be as reasonably priced as the current PCIP monthly premiums.

For more information you can view this link or visit your state’s PCIP web site.  https://www.pcip.gov/

 

Financial Help for Obtaining Your Medications

Many individuals who are uninsured or underinsured are not able to afford medication to effectively manage their illness. Fortunately, the founders of NeedyMeds have developed a web site that provides up-to-date information on how to obtain prescription drugs at a reduced rate from pharmaceutical companies.

NeedyMeds is a non-profit organization that helps individuals to find assistance programs that will greatly reduce the cost of medications. It is an online resource that directs you to specific Patient Assistance Programs (PAPs) based on the medication that you need. PAPs are formed by pharmaceutical companies to offer free or discounted prescription drugs to individuals who can not afford them.

The NeedyMeds web site includes an easy-to-use database that allows you to locate the brand name or generic drugs that your physician has prescribed for you. An application and enrollment information is available online from each pharmaceutical company on how to participate in their specific PAP.

NeedyMeds has a list of 800 participating and non-participating pharmaceutical companies and programs that you can receive enrollment information.

NeedyMeds web site also includes coupons and rebates for select drugs offered by pharmaceutical companies.

If you want help in applying for a PAP program, there are several local organizations that will assist you for free or a minimal charge based on your geographic area. In Colorado, there are currently 8 organizations that will help you complete your application.

  • RxAssist at Centura Health
  • RxAssist Program at St.AnthonyHospital
  • Senior Information and Assistance Center
  • La Puente Home – Outreach Services/Health Access
  • Healthcare Access
  • Promoting Safe and Stable Families
  • McKee Medical Center Prescription Assistance
  • East Central Area Agency on Aging – Prescription Assistance

In addition to these Colorado organizations, there are currently 12 state-sponsored programs that will assist you in the enrollment process. These programs can also be located on the NeedyMeds web site.

The NeedyMeds web site includes contact information on 2,500 imaging providers nationwide that will provide discounted MRI/CT scans. 50-75% discounts are available. Most will allow same day or next day scheduling.

For students dealing with specific medical conditions, there is a list of available scholarships that will help with the cost of education based on the medical condition and geographic location.

The NeedyMeds web site can be found at http://www.needymeds.org/index.htm

 

2013 Brings More Benefits & Free Screenings

“Prevention is better than cure” is a recognizable quote that rings true this new year with  additional free health benefits available to Medicare beneficiaries. The criteria for Medicare eligibility is that 1) you are 65 or older, or 2) you are younger than 65 with certain disabilities, or 3) you have end-stage renal disease.

Medicare Part B covers specific doctors’ services, outpatient care, medical supplies and preventative services. The following comprehensive list of preventative test and screenings are now available in 2013. Take advantage of these free tests and screenings so you can be proactive in staying healthy and out of the hospital.

  • Abdominal aortic aneurysm screening
  • Alcohol misuse screenings and counseling
  • Bone mass measurements (bone density)
  • Cardiovascular disease screenings
  • Cardiovascular disease (behavioral therapy)
  • Colorectal cancer screenings
  • Depression screenings
  • Diabetes screenings
  • Glaucoma tests
  • HIV screenings
  • Mammograms (screening)
  • Nutrition therapy services
  • Obesity screenings and counseling
  • One-time “Welcome to Medicare” preventive
  • Pap tests and pelvic exams (screening)
  • Prostate cancer screenings
  • Sexually transmitted infections screening and counseling
  • Flu shots, Hepatitis B shots, Pneumococcal shots
  • Tobacco use cessation counseling
  • Yearly “Wellness” visit

Another major benefit for Medicare beneficiaries is the recent settlement of a class action lawsuit regarding Medicare’s coverage requirements for skilled nursing and rehabilitation services. This benefit is covered under Medicare Part A. Prior to this settlement, coverage would only last while a patient’s condition was showing improvement. If a patient was not improving but remaining stable in their health condition, they would be denied coverage.

Fortunately this new coverage rule will be a tremendous benefit for individuals living with a chronic condition like a spinal cord injury, Alzheimer’s, Parkinson’s, stroke, multiple sclerosis or any other medical condition that skilled care and therapy is needed to maintain good health and current functioning.

If you were denied this coverage as of January 18, 2011 which was when the lawsuit was originally filed, you may be able to have your insurance claim re-evaluated. The formal Medicare appeal process will need to be utilized to obtain this past benefit if you were denied coverage.

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