May 27, 2022

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The Fierro family of Yuma, Arizona, had a string of bad medical luck that started in December 2020.

That’s when Jesús Fierro Sr. was admitted to the hospital with a serious covid-19 infection. He spent 18 days at Yuma Regional Medical Center, where he lost 60 pounds. He came home weak and dependent on an oxygen tank.

Then, in June 2021, his wife, Claudia, fainted while waiting for a table at the local Olive Garden. She felt dizzy one minute and was in an ambulance on her way to the same medical center the next. She was told her magnesium levels were low and was sent home within 24 hours.

The family has health insurance through Jesús Sr.’s job. But it didn’t protect the Fierros from owing thousands of dollars. So, when their son Jesús Fierro Jr. dislocated his shoulder, the Fierros — who hadn’t yet paid the bills for their own care — opted out of U.S. health care and headed south to the U.S.-Mexico border.

And no other bills came for at least one member of the family.

The Patients: Jesús Fierro Sr., 48; Claudia Fierro, 51; and Jesús Fierro Jr., 17. The family has Blue Cross Blue Shield of Texas health insurance through Jesús Sr.’s employment with NOV Inc., formerly National Oilwell Varco, a multinational oil company.

Medical Services: For Jesús Sr., 18 days of inpatient care for a severe covid infection. For Claudia, less than 24 hours of emergency care after fainting. For Jesús Jr., a walk-in appointment for a dislocated shoulder.

Total Bills: Jesús Sr. was charged $3,894.86. The total bill was $107,905.80 for covid treatment. Claudia was charged $3,252.74, including $202.36 for treatment from an out-of-network physician. The total bill was $13,429.50 for less than a day of treatment. Jesús Jr. was charged about $5 (70 pesos) for an outpatient visit that the family paid in cash.

Service Providers: Yuma Regional Medical Center, a 406-bed, nonprofit hospital in Yuma, Arizona. It’s in the Fierros’ insurance network. And a private doctor’s office in Mexicali, Mexico, which is not.

The Fierros have been strapped by unusually high medical bills from the Yuma Regional Medical Center.(Lisa Hornak for KHN)

What Gives: The Fierros were trapped in a situation that more and more Americans find themselves in: They are what some experts term “functionally uninsured.” They have insurance — in this case, through Jesús Sr.’s job, which pays $72,000 a year. But their health plan is expensive, and they don’t have the liquid savings to pay their “share” of the bill. The Fierros’ plan says their out-of-pocket maximum is $8,500 a year for the family. And in a country where even a short stay in an emergency room is billed at a staggering sum, that means minor encounters with the medical system can take virtually all of the family’s disposable savings, year after year. And that’s why the Fierros opted out.

According to the terms of the insurance plan, which has a $2,000 family deductible and

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3 min read

Claudia and Jesús Fierro of Yuma, Ariz., review their medical bills. They pay $1,000 a month for health insurance yet still owed more than $7,000 after two episodes of care at the local hospital.

Lisa Hornak for Kaiser Health News


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Lisa Hornak for Kaiser Health News


Claudia and Jesús Fierro of Yuma, Ariz., review their medical bills. They pay $1,000 a month for health insurance yet still owed more than $7,000 after two episodes of care at the local hospital.

Lisa Hornak for Kaiser Health News

The Fierro family of Yuma, Ariz., had a string of bad medical luck that started in December 2020.

That’s when Jesús Fierro Sr. was admitted to the hospital with a serious case of COVID-19. He spent 18 days at Yuma Regional Medical Center, where he lost 60 pounds. He came home weak and dependent on an oxygen tank.

Then, in June 2021, his wife, Claudia Fierro, fainted while waiting for a table at the local Olive Garden restaurant. She felt dizzy one minute and was in an ambulance on her way to the same medical center the next. She was told her magnesium levels were low and was sent home within 24 hours.

The family has health insurance through Jesús Sr.’s job, but it didn’t protect the Fierros from owing thousands of dollars. So when their son Jesús Fierro Jr. dislocated his shoulder, the Fierros — who hadn’t yet paid the bills for their own care — opted out of U.S. health care and headed south to the U.S.-Mexico border.

And no other bills came for at least one member of the family.

The patients: Jesús Fierro Sr., 48; Claudia Fierro, 51; and Jesús Fierro Jr., 17. The family has Blue Cross and Blue Shield of Texas health insurance through Jesús Sr.’s employment with NOV, formerly National Oilwell Varco, an American multinational oil company based in Houston.

Medical services: For Jesús Sr., 18 days of inpatient care for a severe case of COVID-19. For Claudia, fewer than 24 hours of emergency care after fainting. For Jesús Jr., a walk-in appointment for a dislocated shoulder.

Total bills: Jesús Sr. was charged $3,894.86. The total bill was $107,905.80 for COVID-19 treatment. Claudia was charged $3,252.74, including $202.36 for treatment from an out-of-network physician. The total bill was $13,429.50 for less than one day of treatment. Jesús Jr. was charged $5 (70 pesos) for an outpatient visit that the family paid in cash.

Service providers: Yuma Regional Medical Center, a 406-bed nonprofit hospital in Yuma, Ariz. It’s in the Fierros’ insurance network. And a private doctor’s office in Mexicali, Mexico, which is not.

What gives: The Fierros were trapped in a situation in which more and more Americans find themselves. They are what some experts term “functionally uninsured.” They have insurance — in this case, through Jesús Sr.’s job, which pays $72,000 a year. But their health plan is expensive, and they don’t have the liquid savings to pay their share of

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Dhaval Bhatt plays Monopoly with his children, Hridaya (left) and Martand, at their home in St. Peters, Missouri. Martand’s mother took him to a children’s hospital in April after he burned his hand, and the bill for the emergency room visit was more than $1,000 — even though the child was never seen by a doctor.

Whitney Curtis for Kaiser Health News


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Whitney Curtis for Kaiser Health News


Dhaval Bhatt plays Monopoly with his children, Hridaya (left) and Martand, at their home in St. Peters, Missouri. Martand’s mother took him to a children’s hospital in April after he burned his hand, and the bill for the emergency room visit was more than $1,000 — even though the child was never seen by a doctor.

Whitney Curtis for Kaiser Health News

Martand Bhatt’s parents weren’t sure he needed immediate medical care when the energetic toddler burned his hand on the kitchen stove one April morning.

Dhaval Bhatt, Martand’s father, said he’d been warned about hospital emergency rooms after he arrived in the U.S. from his native India.

“People always told me to avoid the ER in America unless you are really dying,” said Bhatt, a research scientist and pharmacologist at Washington University in St. Louis.

But after seeing a photo, the family’s pediatrician directed them the next day to the local children’s hospital.

Dhaval Bhatt was traveling at the time. So Martand’s mother, Mansi Bhatt, took their son to the hospital and was sent to the emergency room. A nurse took the toddler’s vitals and looked at the wound. She said a surgeon would be in to inspect it more closely.

When the surgeon didn’t appear after more than an hour, Mansi Bhatt took her son home. The hospital told her to make a follow-up appointment with a doctor, which turned out to be unnecessary because the burn healed quickly.

Then the bill came.

The patient: Martand Bhatt, a toddler covered by a UnitedHealthcare insurance plan provided by the employer of his father, Dhaval Bhatt.

Medical service: An emergency room visit for a burn sustained when Martand touched an electric stove.

Total bill: $1,012. UnitedHealthcare’s negotiated rate was $858.92, all of which the Bhatts were responsible for because their plan had a $3,000 deductible.

Service provider: SSM Health Cardinal Glennon Children’s Hospital, one of 23 hospitals owned by SSM Health, a Catholic nonprofit health system with more than $8 billion in annual revenue.

What gives: Many patients don’t understand that they can rack up huge bills almost as soon as they walk through the doors of an ER.

Unlike a restaurant or a mechanic that won’t charge if someone gets tired of waiting for a table or an inspection of a rattling engine, hospital emergency rooms almost invariably charge patients as soon as they check in.

And once they register, patients will be billed — often a lot — whether treatment was rendered or not.

Martand received almost no medical service. A nurse practitioner looked over

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Three generations, (from left to right) grandmother Genoveva Calloway, daughter Petra Gonzales, and granddaughter Vanesa Quintero, live next door to each other in San Pablo, Calif. Recently their extended family was hit with a second wave of COVID infections a year after the first.

Beth LaBerge/KQED


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Three generations, (from left to right) grandmother Genoveva Calloway, daughter Petra Gonzales, and granddaughter Vanesa Quintero, live next door to each other in San Pablo, Calif. Recently their extended family was hit with a second wave of COVID infections a year after the first.

Beth LaBerge/KQED

On a Friday afternoon in early October this year, 8-year-old Maricia Redondo came home from her third grade class in the San Francisco Bay Area with puffy eyes, a runny nose and a cough.

“On Saturday morning we both got tested,” says Vanessa Quintero, Maricia’s 31-year-old mother. “Our results came back Monday that we were both positive.”

Vanessa stared at her phone in shock and called her doctor’s test-result hotline again, in disbelief. “This is wrong,” she thought. “I hung up and dialed again. It’s positive. This is wrong. I hung up again. And then I did it again!”

She was freaking out for two reasons. First, her large, extended family had already fought a harrowing battle against COVID-19 last year — in the fall of 2020. The virus had traveled fast and furious through their working class neighborhood back then, in the East Bay city of San Pablo. Four generations of Vanessa’s family live next door to each other in three different houses there, all connected by a backyard.

Vanessa was also terrified because she couldn’t fathom another round of treatment against a more dangerous variant than she’d faced before. The pandemic has disproportionately struck Latino families across the United States, and delta is currently the predominant variant in the U.S., according to the U.S. Centers for Disease Control and Prevention. It’s twice as contagious and may cause more severe illnesses than previous variants in unvaccinated people.

The family’s bad luck was uncanny. Research suggests immunity against a natural infection lasts about a year. And here it was almost exactly the same time of year and the family was fighting COVID-19 again.

“Reinfection is a thing,” says Dr. Peter Chin-Hong, a specialist in infections diseases and professor of medicine at the University of California, San Francisco. “It probably manifests itself more when the variant in town looks different enough from the previous variants. Or enough time has elapsed since you first got it, [and] immunity has waned.” He says a second infection is still not common, but doctors are starting to see more cases.

Computer models in a recent study suggest that people who have been infected by the virus can expect a reinfection within a year or two if they do not wear a mask or receive a vaccination. The findings show that the risk of a second bout rises over time. A person has a 5% chance

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Execise Fitness
An exercise and health program does not should be work and may be fulfilling. Your physique should be completely upright on the exercise ball and to readjust your self simply bounce flippantly up and down on the exercise ball. Although bodily exercise or train acts as a catalyst to achieve physical health, a properly-balanced weight loss program additionally aids this course of.

Physical exercise fitness activities are so essential to your coronary heart well being. When you actually need to get the outcomes you want out of your train ball buy the “Nice Physique Ball Handbook” at and you will not need one other guideline again. The very important components of bodily health are cardiovascular strength and endurance, respiratory efficiency, muscular strength and flexibility.

The train ball permits you to work with dumbbells when performing your workouts. This closely resembles cardio-respiratory endurance; it really focuses on the ability of the muscle tissue to resist continuous, long run actions. Outside the kitchen I have many extra workout routines for you.

Research is indicating that the muscle loss present in elderly people would not come from age, however lack of activity. The low-influence repetitive nature of aerobics works the large muscle teams. This is referred to as cross-training, and helps reduce the possibility or damage and overuse of certain muscular tissues.

Exercise And Fitness

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Execise Fitness

Train Ball

Use a kitchen towel on the ground together with your palms in entrance of your head on the kitchen towel and pull again on the way back up which is like a straight arm pushdown.
Execise Fitness
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Prime 10 Guidelines Of The Health club! Gym Code Of Conduct!

When you correctly have interaction in physical health workout routines, your body will attain a high stage of psychological and bodily well being. When it’s essential to shed weight, the in the beginning problem is to determine precisely what number of energy your physique must survive, then calculate the quantity of calories you are at present using each day (also called your TDEE, or complete each day energy expenditure), then finally, it is advisable know the scary outdated ‘How many calories am I really consuming every day?’.

Give yourself a large amount of exercise house as you carry out your workout routines. Yet, the 5 key dimensions of physical fitness workouts have completely different effects on totally different features of the physique although they often assist the body obtain higher state without taking medicine.

Fasted Cardio Or Fed State Cardio?

Execise Fitness
The exercise ball which is also know because the fitness ball is among the best tools for strengthening your core muscle tissue, as the ball includes performing a range of core workouts. In order for your train and health program to be successful, one must be consistent. It’s higher to alternate between excessive impression aerobics (that are more durable on the body and should trigger more damage) and low influence aerobics, … Read More...

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