About Angel

I am a Client Services Specialist here at MSAA. I hold both a Bachelor's and Master's Degree in Counseling from schools outside the Philadelphia area. I love reading, movies, going to concerts and traveling. Favorite place I've been so far---Disney World!

Giving Thanks

V2-2015-MSAA_Thanksgiving_Cards5This week many individuals around the country will celebrate Thanksgiving, a national holiday symbolizing the notions of graciousness and appreciation. This holiday and others represent different things to different people and hold varied meanings for all who celebrate them.  But a concept that can be universal and celebrated all year through is that of gratitude. Finding what you’re thankful for, no matter how big or small or different, is a part of this holiday tradition. Expressing your gratitude can help pay it forward and inspire others to do the same, and to hopefully further inspire acts of appreciation and kindness across our society. Celebrating the holiday can simply mean appreciating and reflecting on the words themselves-‘Thanks’ and ‘Giving.’

Please note that MSAA’s offices are closed for the Thanksgiving holiday on Thursday, November 26th and Friday, November 27th.

From all of us here at MSAA, please enjoy a safe and happy Thanksgiving!


Insurance Open Enrollment Begins!

It’s that time of year again when individuals can enroll in a Marketplace health insurance plan. The open enrollment period to sign up for 2016 health insurance coverage begins November 1, 2015. For those who are uninsured, this marks the time when you can search for insurance plan options and assistance that may be right for you within the Marketplace. You may even qualify for lower costs on insurance premiums depending on your household information. Be sure to review the deadlines to sign up for insurance coverage to ensure that you are covered on a plan beginning January 1, 2016.

According to the U.S. Department of Health and Human Services, the Affordable Care Act is working and continuing to increase access to healthcare. Millions of people were able to obtain healthcare coverage through the Marketplace as of March 2015 and this has decreased the rate of those uninsured. Insurance affordability has increased also, with the eligibility to qualify for lower premium costs, the expansion of Medicaid coverage and additional plan options to choose from being key factors in this act.

While this open enrollment period is a significant time for those uninsured, it marks an equally important time for those who have previously purchased health insurance through the marketplace as well! If you are not satisfied with your current plan purchased for 2015 and would like to make a change, now’s the time to do so! During open enrollment you can review other insurance plans to see if another plan better matches your needs.

For those currently enrolled in marketplace plans, you may receive a letter from your insurance company explaining if the company will either automatically re-enroll you for 2016 coverage, or if you will not be automatically re-enrolled. If your insurance company plans to automatically re-enroll you for coverage but you would like to make a change, it’s important to review other policies during the enrollment period and take action to change it by December 15th to ensure coverage beginning January 1st.

Whether you’re notified that you’ll be re-enrolled in your current plan or not, you do have to update your expected income and household information for the 2016 coverage year. This ensures that your premium tax credits are correct and you will receive the appropriate coverage costs and plan options. A letter from the health insurance marketplace is also sent out to individuals currently enrolled that better explains the actions needed to receive the accurate premium tax credits for 2016.

Besides updating your own income and household information, be sure to take the time to review the different insurance plan policies and prices for the new 2016 coverage year as these do change. MSAA has resources that can help you in the decision making process with the My Health Insurance Guide and The Affordable Care Act and Multiple Sclerosis brochure that provides an overview of the insurance planning process and steps to help you PLAN ahead.







Social Wellness

As our blog theme for the month will focus on various concepts of wellness, I wanted to emphasize that wellness does not necessarily mean just in the physical sense with diet and exercise. Wellness can encompass many different factors, including spirituality or social well-being. As with many notions and ideas we have, wellness too can be perceived differently by individuals, and there’s not only one right way of looking at it.

Social wellness can be just as important as other types because of the impact it can have on one’s body and mind. Taking care of yourself physically is vital, but taking care of and being mindful of your social needs is equally essential. Human beings are meant to connect to others to find fulfilling emotional and thoughtful interactions. Reaching out to other people to make ties that create happiness and contentment is one of the most basic human instincts. Of course there can be interactions and relationships along the way that don’t always bring this sense of fulfillment or joy. But again, it’s part of our nature to either work through these obstacles to work on trying to change and repair these ties, or to dissolve them if they are causing increased stress and harm. The latter decision can be very difficult, but it’s important to know when a relationship is not providing positive benefits but rather draining energy and support.


There are different ways for people to get socially connected to one another. Joining something like an art or education class, or attending social events in your community are some of the ways to increase connections. Throughout the MS community there are various internet group forums and discussions online, an MS Friends telephone line, support group settings and MS educational events. The form of communication can vary in social circles too, as some may feel more comfortable interacting online or may have access issues to physically attending outings. No matter the method, having affirmative social bonds can help to increase positive wellness.


Finding Peace

Did you know that September 21st is known as the International Day of Peace, or World Peace Day? A day that encourages peace and the strength of positive ideas and movements, this internationally observed time is celebrated throughout countries across the world.

In a society that’s currently faced with some troubling and distressing times, it’s important to reflect on the idea of peace and what it means to you. It doesn’t have to look the same from person to person because everyone is unique in their own thoughts and feelings. It’s about carrying out behaviors and actions that can increase positivity and optimism and a sense of tranquility.

The things that can endorse and increase peace do not have to be grand gestures. It can be personal and private moments where you find strength from certain actions, or it can be doing good deeds for others and promoting positive thinking. The possibilities of peace can be endless because the gestures and concept behind it are endless.

You can find peace through meditation, songs, books, your relationships with others and yourself. You can choose to get involved in community activities or ask others to join events that help promote peaceful and positive thinking. No matter the task, the idea of peace can be translated in many different forms and its message remains everlasting.

What brings you peace?


All I Really Need to Know I Learned In…..

So this week marked the time for many students across the country to head back into the classroom to begin a new school year. School supplies being emptied on store shelves, heavier morning traffic caused by school zones and bus stops, and the sun rising a little differently in the mornings all represent this significant time of year. It makes me think of the book by Robert Fulghum, All I Really Need to Know I Learned in Kindergarten.

The book highlights some very important and notable lessons we need throughout life that were actually taught to us in our earliest phase of education. It may not have seemed like it at the time, as we were having snack, playing with classmates and enjoying circle time, but values were being engrained in us that we would use for years to come. Remembering to share, to say you’re sorry if you hurt someone, and to be aware of the world around us were just some of the imperative teachings we learned amidst play time. It got me thinking though, what other times throughout life are we taught these and other significant lessons? The answer: every day.

It’s true. We learn important life lessons every day, for those younger and older, in school or not, there are constant teachings around us every day that continue to instill life’s lessons and morals in us. We hear about other people’s experiences and we look at them as examples, to model or not. We see good and bad and find our place in where we wish to be amidst the chaos. We strive to continue learning and to be vulnerable to new experiences and feelings. We try to remind ourselves of who we are and what we learned years ago and how it can still have meaning now.

People show interest in the world around them every day, even if it’s just by watching the news—again, to be aware of what’s out there and what’s bigger and different. So while many of life’s important lessons were learned as tots on those first days in the classroom, life itself continues to be the classroom; with continuous trainings and encouragement all around.

What lessons have you continued to learn about or have tried to teach others?


What To Do If You’re Uninsured

We know that life can be very unpredictable at times and no matter how much we try to anticipate obstacles and changes, there may be times that we find ourselves in unfamiliar territory, not knowing how to navigate the shift. With these changes sometimes come circumstances where one might find themselves without health insurance coverage for much needed medical care. It’s important to know where to go to try and find help with continued medical care needs.

If you’ve experienced some type of life change, like the loss of a job, moving to a new location, or getting married or having children and you find yourself uninsured, you may qualify to enroll in a Special Enrollment Period through the Health Insurance Marketplace to see if you can obtain healthcare coverage outside of the open enrollment deadline.

Local hospital systems sometimes offer financial assistance programs called ‘charity care’ to help those who are uninsured with medical costs accrued through the hospital. You can contact the hospital’s financial billing office for information on this assistance to see if you qualify to receive care from doctors and services provided through the hospital.

You can also try to access primary/general medical care follow up through federally qualified health centers in your area that work with individuals who are uninsured. These centers offer different services that include primary healthcare, dental care, women’s health services and routine immunizations, and physical exams. For those without insurance, a sliding fee scale payment option (based on your income and ability to pay for services) is sometimes available through the centers.

For possible help with medication costs, you can contact the manufacturer of the medication directly for information on any prescription cost assistance programs they provide. The MS Disease Modifying Therapies also have patient assistance programs that help uninsured clients by providing information and guidance for cost assistance they may qualify for with the treatment. By working with these different resources, uninsured individuals can try to continue maintaining their medical care and follow up.


Life Decisions

It’s not an easy thing to talk about or consider, but when it comes to making important decisions about the future it’s near the top of the list. It’s life insurance coverage. Yes, it can be a morbid topic to discuss sometimes but it’s one that warrants attention when making plans and preparations for future needs.

Life insurance can help pay for funeral costs, bills and other future financial needs of your family. The nonprofit organization Life Happens provides general information and education about life insurance and what to consider. It can be a challenging issue to face, and for those who experience chronic illness there may be some obstacles along the way to obtaining this coverage.

Some insurance companies may have stricter policies or limitations they impose for those who have been diagnosed with a chronic illness. This can vary according to the company’s policies and rules regarding coverage, and other issues like one’s medical history or current health situation. For these reasons it’s important to research a company and its policies before purchasing a plan. Higher premiums or limited coverage may be some of the barriers experienced by those trying to find a life insurance plan.

rsz_couple_smiling_and_talking_to_man_over_paperworkWorking with your state department of insurance and certified insurance brokers/agents can help you find a life insurance plan that works for your needs. Agents who specialize in ‘impaired or high risk’ life insurance can help as they have experience finding coverage for individuals with medical conditions. The National Association of Insurance and Financial Advisors has a search option to help find agents in your area. Looking for professional support in the insurance arena can hopefully help you attain beneficial outcomes when finding coverage.

*Be sure to use discretion when researching insurance professionals in your area.

Have you had any experience with life insurance planning?


Sometimes You Just Gotta Laugh….

So I don’t think many people would argue the fact that there are some days that just plain stink! I mean those days where it doesn’t seem like anything can go right and you have a giant bulls-eye on your back that the universe is using to its full advantage. We find ourselves stuck in this limbo of imbalance and misfortune and it can be a real downer! So what can help pull us out of these moments that seem chuck full of calamity? How about laughter?

We’ve heard the saying ‘Laughter is the best medicine’ but how true is this statement? How can humor really heal or remedy a situation for us? According to an article in Psychology Today, laughter can help make you feel better, literally. It can decrease blood pressure and stress levels and positively affect mood and even sleep habits. Laughter causes physical changes in the body that helps to reduce tension and increase endorphins that lead to positive feelings.

Sure there will be times throughout life where a situation does not call for any kind of humor or laughing elements, but there will be other times that are so comical or ironic that you can’t help yourself but to laugh at the circumstances. You’ll notice that laughter can be contagious as well, a good kind of contagious, like smiling is, where you can’t help but to join in with others who are experiencing the joy. If you find yourself in a moment where you can treat yourself to a good, hearty laugh, take advantage of it, and feel free to spread the wealth.



Positive Surroundings

I recently saw a quote that said “Negativity may knock at your door, but that doesn’t mean you have to let it in.” This really resonated because there are times in life that negativity does try to seep in and corrupt happiness and positive feelings. It emits toxicity and wants to take control over everything – and sometimes it’s hard not to feed into it and become consumed by it, especially when it presents with life circumstances that are unexpected and unwelcome.

It’s inevitable that at some point throughout life everyone experiences difficult times that unfortunately they have no control over. Things happen, obstacles or illnesses that we can’t foresee, but it’s important to know the aspects of your life that you do have control over. The people and influences that you choose to make a part of your life can be positive ones – you can make the choice to surround yourself with positive reinforcement and encouragement by choosing who you want to be a part of your inner support network. Are there times that we can’t control who are a part of our day to day lives? Of course. But sometimes you can control the frequency or duration of these interactions with others – even though sometimes this may be more difficult to accomplish. Let’s say if it’s family or friends that emit negativity, it can be more challenging to control and limit these exchanges because of the nature of the relationship. However, if there are moments that their negativity is all consuming and blocks out all that can be uplifting and positive, you can respectfully remove yourself from the situation.

One way to decrease negative energy is to purposely and consciously surround yourself with positive energy. Doing things you enjoy, communicating with others who make you feel supported and inspired and letting yourself experience good moments are ways to increase affirmation and optimism. When you have the chance to remove yourself from a negative encounter, be sure to book end it with a positive one, so that way at the end of the day, light conquers all.


Summertime Memories

The summer season usually conjures up warm memories for me (sorry, no pun intended!) of times when things were simpler being young and summer was the best time of year. Growing up, my family used to gather at my aunt and uncle’s house for get-togethers and special occasions, especially during the summer months because their house was attached to a private elementary school where there was a lot of open area. They acted as caretakers to the school grounds so we had access to two different playgrounds equipped with slides, swing sets and jungle gym activities and a large tot-lot for playing basketball and volleyball. We often had family barbecues there and were so excited when the 4th of July holiday was celebrated because we could watch the fireworks right from their porch. These are some of my best memories I hold from my childhood – playing outside with relatives and being with family and thinking the summer should never end.

As we grow older our memories stay with us – as special pieces of time you’ve stored for yourself to take out and reminisce over whenever you’re feeling sentimental, or just want to recall something good. There are certain triggers that can activate these memories – songs, movies, places, things. For me, my summer memories are triggered by the smell of flowers and grass, barbecue grilling – and the charcoal kind, not the fancier gas grill devices seen all over the place nowadays. Rice Krispy treats – my grandmother used to make the best treats for summer occasions. And mosquito bites – I know this one is a bit strange, but those little buggers would eat us alive playing outside during the summer!

The point is, no matter what the memory is or its trigger, these precious fragments of time that represent moments throughout our lives are something to treasure and hold onto with care. They allow us to go back to times we remember fondly and that gives us hope that the memories could possibly be recreated again someday.

What’s your favorite summertime memory?