Why I am hating health insurance right now

The first year of Obamacare, I went to great pains to choose an insurance company my doctor took, only to have him tell me in 2014 that he didn’t take it. Last year, I once again went to great pains to choose an insurance company my doctor took, only to be told when the year began that he did not take it. I had to have my insurance broker — whose services I engaged the second time around — tell them that, yes, indeed, they had signed a contract to take my insurance. When I finally saw my doctor after over a year without insurance he took, I overheard him say to one of his associates “he has some Obamacare thing.” That “Obamacare thing” was a company I had never heard of — Meritus — which is now bankrupt.

So now I have to switch health insurance plans yet again, and neither one of the two doctors I listed in my HealthCare.gov application takes a single one of the 69 plans available to me— from bronze to platinum. One of them, a specialist, told me on the phone that they are still working out contracts. Really?? Seriously?? You’ve got to be kidding me. We are halfway into the 45-day open enrollment period, people!! My insurance dies on December 31st. The HealthCare.gov site says they do not yet have all the data from providers about who will accept which plans, and the doctors I go to tell me they do not yet have access to all the information they need in order to know which plans they will accept.

Health insurance companies cannot seem to make decent websites or mobile apps, either. In the last few years, I have had Blue Cross Blue Shield of Arizona, Health Net, and Meritus. None of them had a website that allowed me to do what I needed to do. What is more, when I look at the App Store to see which insurance companies make the best iPhone apps, what I find is that every single insurance company app is rated one out of five stars. The typical reviews are: “crap,” “useless,” and “crashes.” And don’t even get me started on HealthCare.gov

And then there is cost. I was spending over $500 a month before Obamacare on a COBRA plan I kept after quitting a job. I was thrilled to find my first Obamacare plan for just over half the cost of my COBRA plan. The next year, the best I could do was a plan for $328. This year, it looks like the best I can do is a plan for $336. In two years, cost has crept up over 25%. If that keeps up, I’m going to back to spending over $500 a month by 2018.

Do I hate Obama? No. I voted for him two terms in a row. But I sure hate health insurance right now. Ugh!

 

 

Mise-en-place your life– I know I need to!

Mise–en–place (French pronunciation: [miz ã ‘plas])

Mise en Place for Scallops with Shallots, Pasilla and Chard
Mise en Place for Scallops with Shallots, Pasilla and Chard by Don LaVange, on Flickr

Yesterday morning, I listened to a story on NPR called “For a More Orderly Life, Organize Like a Chef,” which talked about applying the French culinary concept of mise–en–place (literally, “put in place”) in everyday life. One chef told how he uses mise–en–place for his daily “list.” He said:

What I used to do is, let’s say I had 23 items of mise-en-place I had to do every day. So I’d take a pad and I’d write them all down on the way home. And then I would crumple the list up and throw it out.…On my way to work I’d write the list again. And you become one with your list. You and the list are the same, because the list is scorched into your head.

–Wylie Dufresne, chef and owner of New York restaurants wd~50 and Alder, as quoted by Dan Charnas, NPR.

I’m all over the place

This got me to thinking about my schedule. As a freelance interpreter, I work for several different agencies and drive to many venues to interpret for classes, consultations, and conferences. In a hectic week, I often can’t remember where I’m going from one job to the next without looking at my calendar. I use GPS to get places; I look at my phone once I’ve arrived at an address to see what suite I need to get to, and even what the name of the venue is; I look at my phone again when I get to a venue before I can tell the front desk the client’s name.

Putting myself en place

I’d rather be like a chef who knows where everything is and how he’s going to get from one thing to another than a rock star who can’t remember what city he’s playing. I need to mise-en-place my schedule. Case in point: I recently had a morning job that I knew was medical and far away. I left in time to get there early. Fine. However, I did not remember the name of the patient, the medical office, or even what kind of specialty it was. I also didn’t realize I was scheduled to come back the next morning. I had taken the jobs separately and not seen the connection. When I showed up, another interpreter was there because the office accidentally booked two interpreters for the job. I just figured I would let her do it because she got there first. What I failed to consider was that I was scheduled for the follow-up as well, and it would have been better for me to stay so I could provide continuity to the clients.

If I had it to do again:

I should look at my schedule for the week and note that I was scheduled to interpret for the same patient at the same doctor’s office two mornings in a row– this would remind me of the patient’s needs and preferences and alert me to the repetition; I should look at the name of the venue and note the specialty– this will help me find the venue when I arrive at the building or complex and I can spot the name on the outside, and it should help me prepare myself mentally for interpreting in that specialized setting; I should note the suite number– this should help me locate the venue either from outside the building or inside. I should call the venue the day before or the morning of, the latest, to confirm the appointment– this would have either alerted me to the double-booking, saved the clients the change in interpreters, and saved one of us the drive.

Mise–en–place = Me at work

There’s another big reason to mise–en–place my schedule: so I can get more work! The way I get jobs is the agencies I work for send out mass emails with the dates, times, and locations of jobs they need to fill. I have to have my smartphone with me at all times to get the mass-emails the agencies send out, and I have to respond instantly or the jobs will be snatched up by those who respond faster. There have been many times I have responded in two minutes only to get the reply “covered, thanks” a minute later. I have spoken with many interpreters in the area who report the same experience, so there might be more to covering these jobs than speed-of-response; still, to speed up my response time, it would help if I had my schedule memorized. See, it takes me a minute or two just to switch to my calendar app and see whether I’m available before I can even reply. If put my schedule in my head, I might put myself in the job.

My “list”:

  1. Memorize my schedule, including:
    1. Day (so I know what I’m doing “next Tuesday”)
    2. Date
    3. Time
    4. Venue name
    5. Venue geographical area
    6. Venue suite or room
    7. Client names (have I worked with them before? how do I work best with them?)
    8. Specialized setting (environmental goals, tone, mood, protocol, barriers to communication)
    9. Topic (specialized vocabulary, sensitivity, overarching theme)
    10. Pattern (does this job repeat? how often? how many times? have I done this job in the past?)
    11. How to get there (routes, alternate routes, time to location, security or other hurdles to cross before getting to where I need to be on time)
  2. Confirm the job with both the agency and the requestor (call or email to make sure it’s still on, and let them know I will be there — this would save double-booked interpreter hassles and pointless drives)
  3. Check my phone and email before I leave for a job to see if I’ve received a cancellation (this could save a lot of pointless drives too)
  4. Keep intouchbysmartphone:
    1. Keep the ringer on whenever I can
    2. Listen for notifications
    3. Respond immediately
    4. Check my smartphone at every break
    5. Always check my email before anything else (like Facebook, which can be a distraction from getting jobs)
  5. Inform interpreting agencies of my schedule as often as possible
  6. Call or email interpreting agencies to see what I can do for them
  7. Let agencies know if there is to be a follow-up appointment and let them know I am available for it (if I am)

I could probably go on, but it would be a start if I could just memorize my schedule for each day, let alone each week. I think I might try what the chef did and see if I can write my schedule by hand without looking at my calendar. Even if I could just have the details of a single job memorized before I get to it, that would help.

I believe in sharing my failures and successes, problems and solutions, and I write about them so others might learn from my experience. I would love to learn from others’ experience, too. Please comment if you have any mise–en–place practices you find helpful in your daily life.

Blog 2014: Adding affiliate links to earn money

I just found out that WordPress.com, the advertising-averse blogging platform that hosts this site, allows bloggers to earn revenue by posting affiliate links. What?!? I wish I’d known this years ago! I’m this nice guy who, for years, has had links on this blog to Amazon for books I contributed to — just to make it easier for people to find them — even though I wasn’t getting royalties for purchases or commissions for referrals. All this time, I could have been earning at least a few pennies from Amazon for the business I was sending their way. Who knew?

This affiliate links looks exactly the same as the link I created before; the only difference is I might earn some $$ for it.
This affiliate links looks exactly the same as the link I created before; the only difference is I might earn some $$ for it.

Well, since I’m this nice guy who spreads the word for the greater good, I’m telling the WordPress.com community about this opportunity in case I wasn’t the only one in the dark. Basically, WordPress.com says it’s okay to post affiliate links to goods you like and think your readers might like, as long as you’re a real blogger who writes original content and doesn’t just use your blog to sell stuff.[1] I’ve always been an honest blogger with loads of original content; now I know I can turn my “free advertising” into commissions each time a reader follows one of my product links and chooses to purchase the product. Yay!

There are several affiliate programs out there, but in case you’re interested here’s a link to Amazon.com’s Affiliate Program I just joined. They pay 4% on every purchase readers make from your affiliate links. Hey, even if it only gets a blogger a few dollars a year, it doesn’t hurt.

References

[1] WordPress.com Support > Policies & Safety > Affiliate Links

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Do conference interpreters make more than medical interpreters?

I find it interesting to follow the interpreting field in general, not just the ASL-English interpreting field, and the other day I saw a surprising post on a blog I follow called The Professional Interpreter: Many medical interpreters are missing out on a prestigious and profitable field. The author, Tony Rosado, a Spanish-English interpreter, says that most medical interpreters do not venture from interpreting medical jobs to interpret medical conferences. I don’t think of conference interpreting as more prestigious and profitable than interpreting in medical settings, but things may be very different between signed-spoken and spoken-spoken language interpreters.

Qualified interpreter means an interpreter who … is able to interpret effectively, accurately, and impartially, both receptively and expressively, using any necessary specialized vocabulary.

ada.gov

According to the article, until recently there were no standards for medical interpreting. It is important to note, though, that the author is not talking about interpreting between deaf and non-deaf people; he is talking about interpreting for people who do not share the same spoken language. Interpreters for deaf people are provided as an accommodation mandated by the Americans with Disabilities Act and previous laws such as PL 94-142 and Section 504 of the Rehabilitation Act. Such mandates create a demand for quality; in fact, Title III of the ADA sets the legal definition:

Qualified interpreter means an interpreter who, via a video remote interpreting (VRI) service or an on-site appearance, is able to interpret effectively, accurately, and impartially, both receptively and expressively, using any necessary specialized vocabulary. Qualified interpreters include, for example, sign language interpreters, oral transliterators, and cued-language transliterators.

ada.gov

I am interested in hearing from interpreters of all language pairs to see what you think about conference interpreting as opposed to medical interpreting. In your experience, have you found conference interpreting to be more profitable than medical interpreting? Do you find that your colleagues and/or consumers respect you more for doing conference interpreting than medical interpreting? Personally, I find both equally rewarding, both personally and financially. It can be stimulating and glamorous to interpret for someone charismatic while facing a large audience, yet it is challenging and rewarding to interpret for a doctor and patient in a private room. I like both settings, and feel respected in both settings. What do you like?