Author Archive

Early Intervention: Learning Disabilities

Children are full of wonder and potential, wired to learn rapidly in their early years. Sometimes, however, kids have trouble learning and need a little extra help to get on track.

There are many factors that may cause learning disabilities, such as genetics, family history, physical or psychological trauma, or environmental factors. Learning disabilities can apply to any number of skills learned in childhood, but the following are three of the most common.

Dysgraphia is a disability in which kids have trouble writing letters or numbers clearly and legibly. This can impact a child’s ability to learn to read, write, or do math.

Dyslexia is a similar condition in which children struggle to recognize words or spell correctly, which can impact a child’s reading ability.

Dyscalculia affects a child’s ability to understand and recognize numbers and mathematical concepts. This makes learning advanced math later in school very difficult for children.

If your child is struggling with reading, writing, or math, it is important to address this sooner than later. These learning disabilities may impact their ability to learn more advanced concepts later on, and lead to higher rates of anxiety and depression. You can raise your concerns with your child’s doctor, who will likely first test to make sure your child does not have vision or hearing problems.

If it is determined your child has a learning disability, there are multiple ways to get help. Tutors and specialists can help your child learn techniques to work with their learning disability. If your child is school-aged, talk to their teachers about getting an IEP, or Individualized Educational Program, which will help set learning goals and strategies for your child. Occupational therapy may also be useful in helping your child learn to work with their learning disability.

Learning disorders: Know the signs, how to help – Mayo Clinic
Types of Learning Disabilities – Learning Disabilities Association of America (ldaamerica.org)

The Buzz on CBD

Over the last few years, you may have noticed a rash of stores opening that sell CBD products, touting their health benefits. CBD is an ingredient in cannabis (marijuana). However, unlike THC, which is the substance in marijuana that can get you “high,” CBD is not psychoactive or intoxicating. It is also legal to varying extents in all fifty states. While some may claim an outlandish number of benefits that can be derived from CBD, some positive effects have scientific studies backing them.

CBD is said to help with anxiety, and one small study indicates that a certain measured dose of CBD oil can do just that. More studies and human trials are underway to confirm this effect.

Directly related, some small studies have indicated that CBD may help ease the effects of post-traumatic stress disorder when coupled with therapy.

Other small studies show that topical application of CBD may help reduce physical pain, particularly for people suffering chronic, non-cancer pain.

The best-studied and scientifically established use of CBD is to treat certain kinds of epileptic seizures. Based on several large studies that demonstrated CBD’s effectiveness, the FDA approved the first medication to include cannabinoids in 2018.

While there appear to be many possible benefits to taking CBD, there is a risk of side effects, which can include nausea, liver injury, fatigue, and irritability. CBD can also interact with other medications, so if you take CBD regularly or are thinking about starting, talk to your doctor first to make sure it is a safe and healthy choice for you.

Cannabidiol (CBD): What we know and what we don’t – Harvard Health
CBD Oil: 9 Science-Backed Benefits – Forbes Health
CBD: Health Benefits, Risks, Dosage, and More (webmd.com)

Tobacco Surcharges Burn

2022 November, Benefit Spotlight September 26, 2022

It’s that time of year for benefits enrollment, and many people have gotten materials outlining the next year’s benefits. Some of you may notice a line item in your medical benefits page that reads “Tobacco Surcharge.”

By the terms of the Affordable Care Act, group health plans and self-insured employers can upcharge tobacco users up to 50% for their health insurance premiums. (Tobacco use in this case includes smoking, vaping, and chewing tobacco.) Why do some plans include this surcharge? It hasn’t been a mystery for decades that tobacco use is bad for the human body. It is responsible for nearly half a million deaths in the US each year and is the leading preventable cause of disease and death.

Not only is tobacco use harmful and potentially fatal, it is expensive. The CDC estimates that smoking-related illness costs more than $300 billion dollars annually in the U.S., including both medical care and for lost productivity. Group health plans and employers include this surcharge both to help cover tobacco-related medical expenses and to encourage people to quit using tobacco products.

However, if an employer plan implements a tobacco surcharge, it must also provide a tobacco cessation program. If you are a tobacco user and want to quit and to avoid the surcharge, you can sign up for a tobacco cessation program, or, in some cases, submit confirmation of being under a physician’s care for tobacco or nicotine use to HR. To find out exactly what you need to do to avoid the surcharge, talk to your Human Resources Department.

What is a Tobacco Surcharge and How Does My Company Offer One? (theexprogram.com)
What You Need to Know About Smoking and Health Insurance | HealthMarkets
Economic Trends in Tobacco | Smoking & Tobacco Use | CDC

Virtual Mental Health

Online therapy existed before 2020, but as it became clear how vital these services were, more insurance providers began covering them. Here are a handful of online therapy providers that stand out both for their quality of service and because they accept many insurance plans.

Talkspace accepts multiple insurance carriers and offers therapy for teens, couples, and individuals, as well as medication management. You can get started by taking a brief evaluation that will offer you several therapists from whom to choose. One of Talkspace’s main perks is that you can communicate with your therapist at any time of day and are guaranteed a daily response. Talkspace has several monthly subscription plans that include a variety of communication options.

Another option is Doctor on Demand. They do not offer subscription plans, but 82% of users said their insurance coverage helped with costs. You can read different therapist biographies and choose yours. Like Talkspace, Doctor on Demand offers medication management services.

You may be familiar with Teladoc as the people you call when you’ve got a sinus infection or a cold and need a quick virtual visit, but they also offer mental health services. Teladoc provides audio and video session options with both therapists and psychiatrists.

There are many additional companies that provide virtual mental health and take insurance – see HERE to investigate more options. Coverage varies by plan, so make sure to check your plan details to see what coverage you have or if your plan has a preferred provider. Many of these providers also accept cash payment if your plan doesn’t cover them. Help is available with just a click!

How to Find Online Therapy That Takes Your Insurance (healthline.com)
Best Online Therapy with Insurance of 2022 (verywellmind.com)

Keep It Moving: Dietary Fiber

Cereal and grain-based products boast a common message: Eat more fiber! But why?

Fiber is a type of carbohydrate that comes in two different forms: soluble and insoluble. Soluble fiber dissolves in water, and it helps your body maintain healthy glucose (sugar) levels as well as lower your blood cholesterol levels. Insoluble fiber does not dissolve in water, and its primary function is to help food move through your digestive system.

On top of this, fiber helps regulate bowel movements and bowel health by preventing constipation (recent studies show fiber may even potentially lower your risk of developing colorectal cancer). High-fiber foods may also help you maintain a healthy weight or even lose weight, as it is more filling than low-fiber food.

While fiber supplements can be helpful particularly in solving constipation, most of them do not provide the full spectrum of health benefits that fiber from whole foods does. There are some easy ways to include more fiber in your diet.

Try kicking off your day with a high-fiber cereal. Swap out white flour for high-fiber alternatives, such as whole-wheat flour, brown rice, or bulgur wheat. Pack your snacks with high-fiber foods like fresh fruits and vegetables or a handful of nuts. Incorporate beans, peas, and lentils to your meals for an extra boost.

Fiber | The Nutrition Source | Harvard T.H. Chan School of Public Health
Dietary fiber: Essential for a healthy diet – Mayo Clinic

Autism & Adult Women

It’s estimated that roughly 2% of people in the United States are autistic.

Long-held stereotypes of autistic individuals portray them as highly intelligent with developed special interests, low social skills, and visible stimming (performing repetitive motions like flapping their hands or rocking back and forth). And almost always that stereotype brings to mind the image of a male.

While it is true that men are diagnosed with autism far more frequently than women — at a rough ratio of four to one — there is emerging evidence that women have been underdiagnosed for a long time. Researchers believe that this is due to the criteria commonly used for diagnosis, which have been based almost entirely on male autistic behavior.

Multiple studies indicate that autistic women often present differently – they have, in many cases, related but different symptoms, and behaviorally differ from autistic men. Autism manifests differently for each woman, but common symptoms are sensory issues, feeling like they are different from other women, feeling the need to mimic others to fit in, emotional regulation issues, and often anxiety and depression.

Research is finding that women are able to “camouflage” or “mask” better than men. They can effectively hide their symptoms by observing and imitating the people around them. More than one study suggests this is due to social pressure on women to fit in and other gendered expectations that are not usually placed on men.

The good news is that these differences are coming to light and being actively studied, making it easier for women to receive a correct diagnosis. If these symptoms sound familiar to you, see HERE and HERE for more information, and talk to your doctor if you are interested in pursuing a diagnosis.

10 Key Signs of Autism in Women | Psychology Today
Autism in women: why it’s different and what to look out for (seeherthrive.com)

Resolving Insurance Issues

2022 October, Benefit Spotlight September 25, 2022

It’s never fun to get bills in the mail. It can be additionally frustrating when they’re medical bills for a procedure you thought was covered.

Health benefits can be confusing to sort through, and alarmingly, insurance billing errors are not uncommon. Depending on the source, it’s estimated that between 7% and 80% of medical bills contain errors.

If you receive a bill that you think is incorrect, start by asking the provider to explain the exact charges submitted to your insurance carrier. For example, if you went to your primary care provider (PCP) for what you thought was a routine preventive visit but see additional charges, call your PCP’s office and ask what those charges were for. You can also check the bill against the Explanation of Benefits (EOB) that your insurer is required to send you after your medical provider has filed a claim. An EOB will detail exactly what your medical insurance covers and what it has paid toward this claim.

If you see discrepancies between your bill and your EOB, talk to your doctor’s office, explain the discrepancies, and ask them to review and fix the charges. If your insurance provider has not covered something they are supposed to, you should also contact them to review your case. You may need to file an appeal – make sure to do this as soon as possible to avoid your bill going to collections. See HERE for a more detailed, step-by-step outline.

You may not have to do this on your own. Check to see whether your employer provides access to third-party vendors like Health Advocate or Alight. These companies will help you review your benefits and dispute charges you think were made in error.

What to Do if Your Medical Bill Has Mistakes (webmd.com)
This simple form can keep you from overpaying for medical care (cnbc.com)

Aging Out: Finding Insurance At 26

With the passage of the ACA, health plans and insurers that offer dependent child coverage are legally required to let children under the age of 26 stay on their parents’ health care plan, regardless of whether the adult children have gotten married, had a child of their own, or are no longer tax dependents.

After their 26th birthday, however, in most cases adult children are no longer eligible for their parents’ plans. If you have a child who is nearing 26, now is the time to help them take steps toward getting their own healthcare benefits.

If you live in Florida, Nebraska, New Jersey, New York, Pennsylvania, or Wisconsin, you may have a little more time. These states allow your adult child to apply for a health insurance rider, which would allow them to remain on your insurance a while longer. The rider requirements and extensions vary by state – see HERE for more information.

If you don’t live in one of those states, or your child is not eligible for a rider, and you have employer-sponsored health insurance, your child has until the end of the month that they turn 26 to sign up for a plan of their own. There are several options for your child:

Employer-sponsored coverage: if your child works full-time (or even part-time, in some instances), they are likely eligible for their company’s health insurance plan.

School coverage: many universities offer student health insurance coverage, so if your child is attending a university, they should check out this option.

Private health insurance: your child can check out any healthcare provider to see what private plans they offer, though these can be more expensive than employer- or state-sponsored plans.

State/federal health insurance: your child may seek coverage through their state health insurance marketplace or the federal marketplace. After turning 26, they will have a special enrollment period of 60 days to sign up for a plan through their state health insurance marketplace.

This transition can seem like a stressful venture, but it doesn’t have to be. Researching the best option ahead of time will make this process much easier for you and your adult child.

Health Insurance Coverage For Children and Young Adults Under 26 | HealthCare.gov
Turning 26: Health Insurance Guide for Those Aging Off Their Parents’ Plan – HealthCareInsider.com

Pushing Past Implicit Bias

None of us like to think of ourselves as prone to bias — subconscious or conscious judging others based on any number of stereotypes we have internalized.

Nevertheless, it is important for a fair, healthy, and functioning society (and workplace) for us to think about the way that we think about others. While race and sex tend to be the best-known types of biases, bias can be based on personal appearance, age, religion, and many other factors.

It’s important to note that bias does not equate to moral failure. We all have unconscious biases. This stems in part from the human need to sort things into different mental boxes. This organization is not in itself intrinsically good or bad, but it can lead to us unfairly associating certain traits with certain people based off stereotypes or ideas by which we make judgments. Our unconscious biases may even run counter to the beliefs that we actually hold, but sometimes we act on them anyway (hence, “unconscious” bias).

The good news is that there are ways for us to overcome our implicit individual biases. To start, we must cultivate self-awareness – we must recognize that we have implicit biases and uncover what they are specifically (this test is a helpful place to start). Experts in the field note that we are more likely to act on our implicit biases when things are moving quickly, so taking a moment to slow down and think about why you feel a certain way about someone is crucial to unraveling bias. Click HERE to learn more about personal and systemic bias.

Ups And Downs: Understanding Bipolar Disorder

Have you ever seen someone struggle to make a decision, change their mind in rapid succession, and laugh it off, saying “I’m so bipolar”?

While that label can get thrown around casually, bipolar disorder is a very real and sometimes dangerous condition. A basic overview can help us understand the condition’s symptoms and effects on everyday life.

The key features of this disorder are cycling periods of mania (or hypomania, which is less intense than mania) and depression. Manic periods are characterized by euphoria, recklessness, energy, and restlessness. People experiencing mania or hypomania are more likely to make risky decisions, not sleep enough, and have trouble focusing.

Depressive periods are characterized by disinterest in life, sadness, loss of energy, lack of appetite, and even sometimes suicidal ideation (see HERE and HERE for more on depression). The symptoms are broadly the opposite of manic symptoms but can impact one’s daily life just as severely.

There are several disorders in this cluster that are all characterized to varying extents by these periods of mania, hypomania, and depression. The good news is that bipolar disorders are treatable, most often through a combination of medication and therapy. If any of these symptoms sound familiar to you and are impacting your life, talk to your doctor. There is no shame in seeking help.

If you are experiencing suicidal thoughts, call the Suicide Prevention Lifeline at 988 or text HOME to 741741 to chat with a crisis counselor.