Health and Wellness: Healthcare

Wisdom. Wealth. Health. You’re wiser just for being a VOBoss listener, and you’re working on the wealth part, but what about your health? Your business can’t be healthy if you aren’t! Voice actors are not immune to the healthcare crisis plaguing America. Today’s episode deals with meeting and navigating the healthcare needs of entrepreneurs. Plus, we encourage you to help aid the healthcare fight of one of our own.



Takeaways

Quick Concepts from Today’s Episode

  1. Listen to our previous episode on Chronic Illness for more insights into today’s discussion.

  2. Healthcare for freelancers is very different than what is offered by traditional employment means.

  3. Too many entrepreneurs look at their current health and user it as an excuse to push-off dealing with healthcare.

  4. Far too many self-employed people are one major health issue away from serious financial problems.

  5. It’s scary and many people to bury their heads in the sand and NOT deal with it.

  6. It’s a struggle for young, healthy people to navigate the healthcare system.

  7. Even with insurance coverage, healthcare is still very expensive and difficult to understand.

  8. As an industry, we are aging and healthcare concerns are everywhere in the acting arts.

  9. In recent years many crowd-sourced funds have been created for voiceover actors and their families with major health battles.

  10. Thankfully we are a generous industry and willing to help where we can.

  11. Paul Strikwerda’s blog addresses his own concerns with self-employed healthcare and his recent stroke.

  12. Ideally, someone in your household will retain traditional employment that offers healthcare coverage for you as well.

  13. Healthcare costs can be negotiated, paid-off over time, financed for low-interest rates, and in some cases reduced.

  14. It is illegal for a Healthcare company to negatively report you to the credit bureaus as long as you are making steady efforts to repay the debt.

  15. Sometimes a cash-pay price will cost you less than the insurance costs – always ask.

  16. Look into your options for a small group healthcare policy as a small business owner.

  17. Celia Siegal is battling cancer for the second time – we urge you to help her and her family.


Referenced in this Episode

Direct links to things we brought up ++


Our previous Episode on Chronic Illness
Paul Strikwerda – 4 Things I Wish I Would Have Known Before I Got Into Voice-Overs
Paul Strikwerda’s Blog
Please help support Celia Siegal
Recorded on ipDTL

Transcript

>> Today’s voiceover talent is more than just a pretty voice.

>> Pretty voice.

>> Pretty voice.

>> Pretty voice.

>> Today’s voiceover talent has to be a BOSS.

>> BOSS.

>> A BOSS.

>> A BOSS.

>> Join us each week for business owner strategies and success with your hosts Anne Ganguzza and Gabrielle Nistico, along with some of the strongest voices in our industry.

>> Rock your business.

>> Rock your business.

>> Rock your business.

>> Like a BOSS.

>> Like a BOSS.

>> Rock your business like a BOSS.

>> Rock your business like a BOSS.

>> A VO BOSS.

>> A VO BOSS.

>> A VO BOSS.

Anne: Hey everybody, welcome to the VO BOSS broadcast. I’m your host, Anne Ganguzza, along with my bosstie-bestie, Gabby Nistico.

Gabby: Hi.

Anne: Hey Gabby.

Gabby: Yeah?

Anne: A while ago we did a very popular podcast episode on chronic illness.

Gabby: People had like really strong reactions to that episode! I mean we got all kinds of emails, and like we had –

Anne: Yeah!

Gabby: – people coming up to us about that. It was a powerful thing. And I mean, look, I get it, we don’t, right, as an industry, we don’t talk about this kind of stuff, because who wants to do that? Hey, you don’t air out your junk.

Anne: Well, I’ve been to the doctor numerous times [laughs] since then. A couple of things have changed with my health care, and I thought it might be a good idea to readdress this issue, but take a look at a different vantage point of health care for entrepreneurs and independent freelancers, because it can be quite a bit different than health care that you might have come to know and love [laughs]

Gabby: [laughs]

Anne: – while working in the company.

Gabby: It’s really gotten kind of crazy. There’s so much political noise about health care right now obviously. I mean, I just kind of went through a shakeup with mine as well because James’ company that he was working for, he left, and along with that departure went our current health insurance.

Anne: Well, my husband got a new job, and I had to – I’m still under his, but it’s a different policy. And health care [laughs]

Gabby: Oh my Lord.

Anne: – is not the same today as it was five, six years ago. And even then it wasn’t, it was something that we had to deal with.

Gabby: When you and I spoke about this yesterday actually in kind of prepping for this episode, I think the thing that really sticks out for me the most right now is how many entrepreneurs and people, who are at the start of a major entrepreneurial venture, go “I’m healthy. I’m fine. I don’t need to worry about that right now. It’s ok.”

Anne: “I’ll take that $10,000 deductible, please.”

Gabby: “It’s fine, it’s fine.”

Anne: “I don’t want to contribute.”

Gabby: And I’m like, I just want to grab them and like go, “what are you doing? What is wrong with you? Because you can’t, you can’t.”

Anne: Well, I’d love to think that I’m invincible, but.

Gabby: The reality for most Americans, and I think also for most entrepreneurs, is that we’re one major health crisis away from bankruptcy, financial ruin –

Anne: Yeah.

Gabby: – having to shut the doors.

Anne: Isn’t that the truth?

Gabby: Really catastrophic things.

Anne: And it’s scary.

Gabby: Ohhhh.

Anne: It’s scary.

Gabby: Yeah, it iss, and I think it’s so scary we want to bury our heads in the sand and go, “this isn’t happening. I’ll be OK.”

Anne: I’ll tell you, and I think we discussed this when I got sick in 2000 – actually end of 2011 when I was diagnosed, I was like “no, I’m the healthiest I’ve ever been. No. I’m not sick. I’m not sick. No.”

Gabby: [beep] I’m fine.

Anne: And then fast-forward to doctors’ visits, surgical procedures, hospital stays, I mean, medication, treatments, oh my goodness. And I know you yourself have also gone through that.

Gabby: [laughs]

Anne: What a mess, not only, Gabby, is it important to have health insurance, when you have the health insurance that you do, whether it be an independent policy or something through maybe your spouse or a significant other, you have to be so on top of it to make sure that you’re able to afford and not go into catastrophic debt. It’s incredible.

Gabby: To put it into perspective, in my last 30 days of dealing with insurance and with specialty medications, right –

Anne: Oh yeah.

Gabby: This is not something you can just go to Walgreens and pick up. Right? We’re talking about what meds that –

Anne: Not aspirin.

Gabby: No. These are delivered to my door in like these crazy cooler packs.

Anne: And you know what, Gabby, the thing that is a little more frightening about it too is that we’re young, so to speak.

Gabby: Oh yeah. For sure, for sure.

Anne: Right? We can read the fine print and we know enough to stand up and make sure that things are being submitted properly and that we’re going to get our coverage that we deserve. I can’t imagine – I always said, I cannot imagine someone going through a health crisis at an older age that may not be capable of advocating for themselves.

Gabby: Oh yeah, I’ve said that I don’t know how many times in the last month. I have actually said that to people at my insurance company. I’m like, “I don’t understand how somebody twice my age would cope with this right now because this is nuts.”

Anne: I think they don’t, and that’s part of the problem. Right?

Gabby: Uh-huh.

Anne: Mm-hmm.

Gabby: At one point, I was on the phone with my insurance company. This was to get my co-pay information, right? This is with insurance, guys. All they could tell me was “according to what we have here, your medication is either going to cost – either – $240 a month or $17,000.”

Anne: Wow. That’s crazy.

Gabby: [laughs] And it was said with such a straight face, I just, I was like “wait, you’re joking, right? You can’t, you can’t be serious.” Yeah, $17,000. And I’m like, “so, when exactly will we know which one it is? Because That’s a pretty a difference.”

Anne: Uh, yeah. [laughs]

Gabby: I need to know if I need to sell my husband like now.

[both laugh]

Gabby: I mean come on.