About Samantha Schech

I am a Client Service Specialist here at MSAA. I have my Master's Degree in Social Service from Bryn Mawr College, a school just outside of Philadelphia. Originally from the Baltimore area, I am a huge Baltimore sports fan and am often heard cheering for the Ravens and Orioles. In my spare time, I enjoy cooking, traveling, and playing kickball with my friends in an adult sports league.

Financial Wellness and Multiple Sclerosis

It is known that stress can have a negative impact on MS symptoms. While individuals may try to manage stress in their lives through exercise, meditation, or positive thinking; financial stress is something that is often swept under the rug and ignored. While ignoring the issue may alleviate the initial stress of thinking about financial matters, in the long run it is not a successful practice and often allows the financial matter to come back more stressful than the last.

Talking about money is tough, especially for those with limited incomes; but not talking about money can do more damage than good. Understanding and truly evaluating your financial situation is a great way to develop a financial plan. Awareness of the in’s (income) and out’s (expenses) can be eye opening!

The Multiple Sclerosis Association of America (MSAA) and National Disability Institute (NDI) collaborated on a series of informational webinars to assist the MS community in learning about strategies to protect and improve their financial well-being.

Through the webinar series, topics such as ‘Being Money Smart’ and ‘Working Towards Financial Wellness’ are discussed. For each topic, you can view the archived webinar and download a PDF version for future use and reference. Information can be found right on MSAA’s website at http://www.mymsaa.org/manage-your-ms/videos/financial.

What strategies have worked for you in evaluating or creating a financial plan?

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Dental and Vision Insurance

This month as we focus on health insurance, it is also important to discuss two of the often underinsured areas of healthcare, dental and vision services. While we understand the importance of dental hygiene and multiple sclerosis, many individuals still don’t receive the much needed care.

Dental insurance plans can be purchased through the health insurance marketplace as a stand-alone insurance during open enrollment OR if you are planning to make changes to your health insurance plan for the 2016 year, a plan can be selected that includes dental care. Unfortunately, if vision coverage isn’t part of your health insurance plan, it cannot be purchased through the marketplace. To learn about available stand-alone vision plans, contact your state’s Department of Insurance, or a local agent or broker.

Check out the following tips on how to find dental care for the underinsured:

  • Check for a local federally qualified health clinic which offers dental services. To search for a health clinic, use the HRSA website.
  • Look into local dental schools. Most of these teaching facilities have clinics that allow dental students to gain experience treating patients while providing care at a reduced cost. Experienced, licensed dentists closely supervise the students
  • Dental Lifelines Network offers information about free dental services in the area for those that qualify. You can look up information about your state’s program on the program’s website: http://dentallifeline.org/
  • Dial 2-1-1 and connect with your local United Way. You may be directed to free or reduced cost dental services

Check out the following tips on how to find vision care and eyeglass services for the underinsured:

  • VISION USA, coordinated by the Optometry Cares – The AOA Foundation, provides free eye exams to uninsured, low-income workers and their families. For more information about VISION USA, call 1-800-766-4466.
  • Lions Clubs International provides financial assistance to individuals for eye care through its local clubs. You can find a local Lions Club by using the “club locator” feature on the organization’s website.
  • New Eyes provides free eyeglasses to more than 8 million people in the U.S. and around the world. For more information about New Eyes, call 1-973-376-4903 or visit the New Eyes website.
  • EyeCare America, a public service program of the Foundation of the American Academy of Ophthalmology, provides free eye exams for qualifying seniors. To see if you qualify, please visit the EyeCare America website.
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Battling the Health Insurance Appeal

Insurance companies are like a business. They are out to make money and with that being said, they are looking out for their assets. If insurance companies approved every claim that came through, they would burn through their resources very quickly. This is why insurance companies work the way that they do. By providing a set list of covered benefits, they control the amount of claims that come through and can control the amount of money spent on those benefits.

With that being said, it does not mean that an individual cannot receive coverage for a needed device or treatment. It is just that the insurance company wants to know that this device or treatment is really needed AND is going to be helpful.

For example, the Bioness or WalkAide device used for the treatment of foot drop. For many, if they were to contact their insurance provider and inquire as to whether the device was covered under their plan, they would be told ‘no’. This can be very discouraging and can spark some anger in those who struggle with foot drop. But if we look at ‘why’ the insurance companies deny this device initially, it can make sense.

The Bioness or WalkAide devices have not been FDA approved for the treatment of foot drop in MS, meaning that there have not been clinical trials to prove that this device is clinically effective for those with MS. Unfortunately, without the FDA approval insurance companies may have the upper-hand. They are trying to protect their assets and don’t want to provide an expensive device and have that device not be effective.

So what can you do?

Insurance companies require what is called a ‘burden of proof’, meaning that you must provide enough proof and evidence to the insurance company that the device or treatment is helpful to you in your situation. Using the example of the Bioness or WalkAide, by locating a physical therapist that works with this device, or one that can assist with receiving a trial, you can help to build your case against the insurance company. Physical therapy reports of the devices effectiveness can be used in the appeal process to provide the burden of proof needed for the case.

While insurance appeals can be a challenge and possibly delay treatment or assistance from a medical device; decisions can be overturned and won. By understanding the system and how and why an insurance company requires this information, you give yourself the advantage in the appeals process.

 Have you won an insurance appeal? What steps did you take to ensure your success?

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Staying Grounded in Thought When Your Mind Wants to Fly

Unexpected moments in life, whether they are an emotional or physical crisis can cause the mind to take off down the racing path of “what if’s”. You know, those questions that no one can answer, like “what’s going to happen” or “what if it doesn’t work out”.

It is easy to get swept up in a panic when those thoughts occur. So what can you do to bring your thoughts back down to earth? Try grounding yourself. No, not physically tying yourself to the ground, more in the figurative sense. Grounding practices have been used in the therapeutic treatment of Post-Traumatic Stress Disorder for years and are a helpful and effective technique to master.

The concept of grounding is the act of focusing your mind on a single object or action in order to ‘block out’ thoughts that are causing the panic feeling. Grounding techniques often use the five senses (sound, touch, smell, taste, and sight) to immediately connect individuals with the present moment.

Think of it as a distraction for the mind. There is no right or wrong to this practice as long as it works for you. It may take a few attempts to find a technique that is effective for you, however don’t let that set you back. Once you find what works for you, use this as your go-to technique.

Examples of Grounding Techniques:

  • Touch objects around you, and describe them (texture, color). For example, “I’m sitting on a yellow chair, and the fabric is rough; it’s itching my leg. The carpet is beige, and there is a brown stain in the corner.”
  • Run water over your hands, and describe how it feels.
  • Say the alphabet backwards.
  • Smell an orange or piece of fruit. Focus on the smell.

Perhaps you have been using a similar technique but didn’t know the psychological implication or terminology. What do you do to keep grounded?

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Mindfulness and Meditation for Multiple Sclerosis

“Meditation can help us embrace our worries, our fear, our anger; and that is very healing. We let our own natural capacity of healing do the work.” -Thich Nhat Hanh

Studies have continued to show how creating a mindfulness or meditation practice can assist those in reducing fatigue, depression, and anxiety associated with living with a chronic illness. Although the study outcomes are positive, individuals are still wary about starting a practice of their own, with fear that they do not know how to start. Starting a meditation or mindfulness practice can be made easier if you create a space in your home specifically for meditation, and commit to a practice schedule.

Creating a Meditation Space
We define the rooms in our home based on their activities. In the dining room, we nourish our bodies and prepare meals for the family. In the living room, we entertain guests or watch television. Defining a space in the home based on relaxation and mediation is important. You have a desk to pay bills, why not have an area to meditate. By designing a space for meditation you are mentally preparing yourself for the task.

You do not need an entire room to meditate, a corner of a room would suffice as long as this is a dedicated space that would not be cluttered or interrupted by others in the household. Decorate your space with images that bring you warmth and peace. Some choose to light candles or incense to promote this sense. The comfort of your space is important as you may be sitting for a long period of time. Pillows and blankets are often used to create a more comfortable sitting environment.

Practice
There are no rights and wrongs to a meditation practice as long as you achieve the desired outcome. Whether this meditation time is to relieve stress or become more in tuned to your body, you should be able to measure the outcome and notice a change. Start by slowly closing your eyes and focusing on your breath. Breathe slowly and deeply, noticing how each breath moves through your body. Don’t force your breathing, breathe as natural as possible; in through the nose and out through your mouth. Let your thoughts flow through you. Calming the mind is often the most challenging part of meditation, but becomes easier the more you practice. Acknowledge the thoughts as they pass through your mind and bring your focus back to your breathing.

Guided meditations can be found online, on CD’s, or even podcasts. Working through a guided meditation may be helpful to a beginner while trying to hone in and create their meditation practice. Remember, there is no right and wrong to this. It may be difficult at first, but that does not mean that you “aren’t doing it right”. Stick with it, start slowly, and keep track of your progress.

Have you developed a meditation practice in your home? How did you define your space?

References:
http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3882962/
http://www.webmd.com/multiple-sclerosis/news/20100927/mindfulness-meditation-vs-multiple-sclerosis
http://www.ncbi.nlm.nih.gov/pmc/articles/PMC3463050/

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Summer Planning and Travel Resources: An MSAA Blog Re-cap

As planning begins for summer vacations or trips, many are left searching or wondering what resources may be available to help with planning. MSAA guest bloggers Matt Cavallo and Jeri Burtchell have written over the years to provide some helpful tips for the travelling MS community.

In Air Travel Tips for the MS Community; Matt, a seasoned traveler, provides his Five Steps to Stress-Free Air Travel for People Living with MS. Matt writes, “Travel is stressful for everyone. Airports are big, busy and fast-paced. Security lines can be long and the thought of standing, unpacking, and repacking at TSA is enough to unravel even the most seasoned traveler”.

Often times the smaller details are those which are overlooked when planning a trip. Those small details such as the size of your carry-on, or the snacks packed in your bag can often make or break a trip. In Jeri’s Summer Travel Tips for Flying with MS Part 1 and Part 2, she identifies some of those smaller details that should be thought of ahead of time in order for smooth sailing….or flying in that matter.

We often learn through the experiences of others. Please share your flying or travel tips in the comments below.

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Cool Summer Activities

As most schools around the country end their school year, many parents are finding themselves searching for activities that will preoccupy their children, but that are also accessible for the whole family. While many folks may opt for the parks or playgrounds in the warmer weather, individuals with MS may have to get creative to try and find activities that can be taken indoors during those warmer days to help avoid some of those heat-related symptoms.

But how can you entertain your children, before they tear through every cabinet in the household looking for something to do? Parents magazine provides some online fun activities that can be modified for any age group. Thinking about, or having a list of activities on hand may be helpful for days where MS symptoms are present, or fatigue has taken a toll.

Local programs are also available to children during the summer months. Many of these activities can be completed indoors to help beat the heat. Local libraries may have reading programs or special events; often they post these on their social events calendar or on a bulletin board in the lobby. Stores like Lowe’s, Home Depot or Joann Fabrics have free workshops available for families or children; you can call around to local stores to see if a calendar or events listing are made available.

Get creative this summer and see what fun activities you can find that can be completed indoors. Do you have any cool plans this summer?

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Communicating with Employers and Co-workers about MS

While The Americans with Disabilities Act of 1990 (ADA) requires employers to provide reasonable accommodation to qualified employees and applicants with disabilities, it is often a challenging or difficult subject to bring up in the workplace. Individuals may fear that by asking for an accommodation, they may be judged or viewed as unable to complete the work at hand.

Navigating this process can be difficult, but there is a resource to help. The Job Accommodation Network (JAN) is an organization of employment experts that can provide confidential guidance around accommodations, or employment related issues.

On their website, they provide information about various conditions and offer helpful information about accommodations that have been used in the past for a number of different scenarios. To speak to someone directly, you can also reach the Job Accommodation Network at (800)526-7234 if you would prefer a more personalized one-to-one approach.

When it comes to discussing MS with co-workers, there are no set rules or regulations to follow. Just know that once the information is out there, it cannot be taken back. Opening up at work is a very personal decision and should be evaluated on an individual level. If you choose to disclose, prioritize who you feel should know about your MS (supervisor, direct team members, co-workers, and office staff).

Do you have any experience asking for accommodations at work? How was that experience for you?

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Building a Relationship with Your Healthcare Provider

Not long ago, patients expected their doctor to tell them what to do about their health and doctors expected patients to follow orders. With the growth and expansion of technology, individuals are given an opportunity to read medical journals, watch health-related television, and visit information sites regarding their specific condition.

With the expansion of medical knowledge, there has been a shift in the doctor-patient relationship. Patients are now expected and encouraged to ask questions and have medical discussions about their care. Some doctors are more open to this relationship than others, so how do you build a relationship with a doctor who may not be as open to this type of relationship?

Communication in any relationship is a key factor; having a discussion with your doctor about what you are and are not comfortable with is very important. By having this conversation, assumptions about what you may or may not know about your disease, or the treatment options is avoided. You have a right as a patient to receive appropriate medical care and the right to have your voice heard.

Just like any relationship, if you do not feel comfortable or feel as though your voice is not being heard you have two choices, leave the relationship or work to change it. Have you had to have a conversation with your doctor about your relationship? What was that like for you? Do you have any advice for others?

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Making Friends and Finding Support

Making friends as an adult can be a challenge. Often the friends we have as adults are those we have grown up with, either through grade school or college. Sometimes those friendships change and we find ourselves looking for new friends, or friends that share a common interest, skill, or lifestyle.

Individuals diagnosed with MS may be looking to make connections with others that are diagnosed, but have a hard time meeting people face to face. There are several opportunities available to promote friendships and support to those diagnosed and their family members.

Social media can be a great way to get connected, just be comfortable knowing that your diagnosis or personal information can be shared online. Facebook groups allow individuals throughout the world to connect and share information; search in Facebook ‘multiple sclerosis’ and find a number of private or public groups. Online message boards such as MS Connection or MS World can also be an effective way to find individuals who are interested in a certain topic.

If online communication is not your thing, MS Friends, a program organized by the National MS Society connects individuals with MS through a telephone service. You can contact 1-866-673-7436 and speak to an individual with MS. MSAA also offers a Networking program, which can connect individuals through letters or e-mails.

With so many options to get connected, how do you stay in contact with others?

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