+
upworthy
Identity

Trans doctor says major insurance companies are refusing to pay her after legal name change

"As long as they're denying my claims for my services on that ground, they can do that to any trans healthcare provider of any type."

insurance companies; trans rights; trans doctor; trans community
Courtesy of Dr. Tiffany Najberg

Insurance companies can withhold pay for trans doctors and one doctor is fighting back.

Insurance companies can be a frustrating maze for consumers and for providers. It's not uncommon to call the number on the back of your insurance card and get a different answer every time you call with the same question. But for Dr. Tiffany Najberg, the fight with the insurance companies is a bit more personal.

Najberg is a transgender woman who has run into a multitude of problems in the insurance claims world—not as a patient, but as a provider. After changing her name legally and updating all of the required information on official websites, including the Council for Affordable Quality Healthcare and the National Plan and Provider Enumeration System, two websites insurance companies look at to verify providers' credentials and ability to practice, her claims have been denied.

In the beginning of this year-long saga, Najberg was receiving checks, but the checks were in her dead name and couldn't be cashed. After going several rounds with the insurance companies, the checks stopped coming and the insurance companies started denying her claims altogether. Of course, this prompted even more questions and frustration since Najberg updated the insurance companies with her legal name as required.


Najberg told Upworthy that on six different occasions, she and her billing company attempted to rectify the situation to no avail. These aren't small companies that may have never encountered such a request. In fact, many Americans with insurance are likely covered by one of the companies she's currently challenging. "Human, Cigna and Aetna flat out refused, but Medicaid, BlueCross BlueShield changed it immediately so it clearly has been approved through national databases," Najberg said.

The insurance companies' refusal to pay has been hurting Najberg and her practice, UrgentEMS, located in Shreveport, Louisiana. "My clinic treats everyone, but we aim towards communities that are underinsured and uninsured. I don’t have money to pay my rent next month because of this," the doctor told Upworthy.

Najberg explained that between the three major insurance companies, she is currently owed nearly $200,000 in unpaid claims. Of course, she could turn patients who have these particular insurances away, but for Najberg, that's not an option because she focuses on serving those who are underinsured and people in marginalized communities. She currently has over 100 trans patients who need continued healthcare with someone who makes them feel safe.

During the height of the pandemic, her clinic served as a place where people could get COVID-19 treatment, with Najberg proudly saying she treated everyone across the political spectrum. Najberg has built such a reputation on TikTok for her openness and ability to present public health issues in a relatable way that CDC officials have contacted her for pointers on how to engage the public.

But none of that matters if she can't keep her doors open, and the fear that comes from recognizing that possibility keeps her up at night. Through tears, Najberg expressed her concerns for the most vulnerable population she treats, saying, "I'll likely have to sleep in my car, and what about my trans patients? If my clinic closes, a few of them may kill themselves."

Dr. Najberg runs a clinic in Shreveport, Louisiana.

Courtesy of Dr. Tiffany Najberg

Najberg actually found herself in the position to lose everything last month after once again not being paid, but thankfully someone anonymously paid the rent on her office space, which costs around $5,000 a month. Recently, she has relied on donations from her followers in order to keep her doors open until she wins her fight with the insurance companies.

During the interview, Najberg informed Upworthy that one insurance company is now complying. "Aetna has started processing all the back claims and a new contract has been signed. I have no retirement anymore. I have no savings. I’ll never own property. For a lifetime to be wiped away over a name change is ridiculous," Najberg said.

A name change isn't uncommon. People change their names for multiple reasons, the main one being marriage, so it would stand to reason that insurance companies know how to navigate name changes within their system. What makes this name change so different if other companies had no issue?

It took Najberg months of phone calls to find out the reason for her denials was due to her name change and she was advised to submit under her dead name. But submitting an insurance claim under a different name than your own is insurance fraud and kind of illegal, she protested.

For Najberg, who's had a lifelong passion for helping people, the fight isn't just for herself.

"If they’re doing this to me, they have to be doing this to other people. If they get away with this, they’ll do it to other trans providers," Najberg told Upworthy.

If you'd like to support Dr. Tiffany in her fight against the insurance companies, you can sign her petition here, and if you'd like to donate to help her pay rent and get needed medical supplies, you can do that here.

Identity

Celebrate International Women's Day with these stunning photos of female leaders changing the world

The portraits, taken by acclaimed photographer Nigel Barker, are part of CARE's "She Leads the World" campaign.

Images provided by CARE

Kadiatu (left), Zainab (right)

True

Women are breaking down barriers every day. They are transforming the world into a more equitable place with every scientific discovery, athletic feat, social justice reform, artistic endeavor, leadership role, and community outreach project.

And while these breakthroughs are happening all the time, International Women’s Day (Mar 8) is when we can all take time to acknowledge the collective progress, and celebrate how “She Leads the World.

This year, CARE, a leading global humanitarian organization dedicated to empowering women and girls, is celebrating International Women’s Day through the power of portraiture. CARE partnered with high-profile photographer Nigel Barker, best known for his work on “America’s Next Top Model,” to capture breathtaking images of seven remarkable women who have prevailed over countless obstacles to become leaders within their communities.

“Mabinty, Isatu, Adama, and Kadiatu represent so many women around the world overcoming incredible obstacles to lead their communities,” said Michelle Nunn, President and CEO of CARE USA.

Barker’s bold portraits, as part of CARE’s “She Leads The World” campaign, not only elevate each woman’s story, but also shine a spotlight on how CARE programs helped them get to where they are today.

About the women:

Mabinty

international womens day, care.org

Mabinty is a businesswoman and a member of a CARE savings circle along with a group of other women. She buys and sells groundnuts, rice, and fuel. She and her husband have created such a successful enterprise that Mabinty volunteers her time as a teacher in the local school. She was the first woman to teach there, prompting a second woman to do so. Her fellow teachers and students look up to Mabinty as the leader and educator she is.

Kadiatu

international womens day, care.org

Kadiatu supports herself through a small business selling food. She also volunteers at a health clinic in the neighboring village where she is a nursing student. She tests for malaria, works with infants, and joins her fellow staff in dancing and singing with the women who visit the clinic. She aspires to become a full-time nurse so she can treat and cure people. Today, she leads by example and with ambition.

Isatu

international womens day, care.org

When Isatu was three months pregnant, her husband left her, seeking his fortune in the gold mines. Now Isatu makes her own way, buying and selling food to support her four children. It is a struggle, but Isatu is determined to be a part of her community and a provider for her kids. A single mother of four is nothing if not a leader.

Zainab

international womens day, care.org

Zainab is the Nurse in Charge at the Maternal Child Health Outpost in her community. She is the only nurse in the surrounding area, and so she is responsible for the pre-natal health of the community’s mothers-to-be and for the safe delivery of their babies. In a country with one of the world’s worst maternal death rates, Zainab has not lost a single mother. The community rallies around Zainab and the work she does. She describes the women who visit the clinic as sisters. That feeling is clearly mutual.

Adama

international womens day, care.org

Adama is something few women are - a kehkeh driver. A kehkeh is a three-wheeled motorcycle taxi, known elsewhere as a tuktuk. Working in the Kissy neighborhood of Freetown, Adama is the primary breadwinner for her family, including her son. She keeps her riders safe in other ways, too, by selling condoms. With HIV threatening to increase its spread, this is a vital service to the community.

Ya Yaebo

international womens day, care.org

“Ya” is a term of respect for older, accomplished women. Ya Yaebo has earned that title as head of her local farmers group. But there is much more than that. She started as a Village Savings and Loan Association member and began putting money into her business. There is the groundnut farm, her team buys and sells rice, and own their own oil processing machine. They even supply seeds to the Ministry of Agriculture. She has used her success to the benefit of people in need in her community and is a vocal advocate for educating girls, not having gone beyond grade seven herself.

On Monday, March 4, CARE will host an exhibition of photography in New York City featuring these portraits, kicking off the multi-day “She Leads the World Campaign.

Learn more, view the portraits, and join CARE’s International Women's Day "She Leads the World" celebration at CARE.org/sheleads.


Health

Over or under? Surprisingly, there actually is a 'correct' way to hang a toilet paper roll.

Let's settle this silly-but-surprisingly-heated debate once and for all.

Elya/Wikimedia Commons

Should you hang the toilet paper roll over or under?

Humans have debated things large and small over the millennia, from the democracy to breastfeeding in public to how often people ought to wash their sheets.

But perhaps the most silly-yet-surprisingly-heated household debate is the one in which we argue over which way to hang the toilet paper roll.

The "over or under" question has plagued marriages and casual acquaintances alike for over 100 years, with both sides convinced they have the soundest reasoning for putting their toilet paper loose end out or loose end under. Some people feel so strongly about right vs. wrong TP hanging that they will even flip the roll over when they go to the bathroom in the homes of strangers.

Contrary to popular belief, it's not merely an inconsequential preference. There is actually a "correct" way to hang toilet paper, according to health experts as well as the man who invented the toilet paper roll in the first place.

Keep ReadingShow less


When the Philadelphia Eagles' season came to an unceremonious end last weekend, many fans were, understandably, more than a little pissed.

Take the rest of the night off to sleep in your shame, boys. Photo by Elsa/Getty Images.

After the final game, one fan allegedly commented on Facebook that the team had "played like they were wearing tutus!!!"

Photo by David R. Tribble/Wikimedia Commons.

...according to the Pennsylvania Ballet, which reported encountering the post on the social media site.

The Pennsylvania Ballet, whose company members regularly wear tutus, had a few choice words for anyone who thinks their light, frequently pink costumes mean they're not "tough."

Commence epic reply...


(full text transcribed under the post).

A Facebook user recently commented that the Eagles had "played like they were wearing tutus!!!"

Our response:

"With all due respect to the Eagles, let's take a minute to look at what our tutu wearing women have done this month:

By tomorrow afternoon, the ballerinas that wear tutus at Pennsylvania Ballet will have performed The Nutcracker 27 times in 21 days. Some of those women have performed the Snow scene and the Waltz of the Flowers without an understudy or second cast. No 'second string' to come in and spell them when they needed a break. When they have been sick they have come to the theater, put on make up and costume, smiled and performed. When they have felt an injury in the middle of a show there have been no injury timeouts. They have kept smiling, finished their job, bowed, left the stage, and then dealt with what hurts. Some of these tutu wearers have been tossed into a new position with only a moments notice. That's like a cornerback being told at halftime that they're going to play wide receiver for the second half, but they need to make sure that no one can tell they've never played wide receiver before. They have done all of this with such artistry and grace that audience after audience has clapped and cheered (no Boo Birds at the Academy) and the Philadelphia Inquirer has said this production looks "better than ever".

So no, the Eagles have not played like they were wearing tutus. If they had, Chip Kelly would still be a head coach and we'd all be looking forward to the playoffs."

Happy New Year!

In case it wasn't obvious, toughness has nothing to do with your gender.

Gendered and homophobic insults in sports have been around basically forever — how many boys are called a "pansy" on the football field or told they "throw like a girl" in Little League?

"They played like they were wearing tutus" is the same deal. It's shorthand for "You're kinda ladylike, which means you're not tough enough."

Pure intimidation.

Photo by Ralph Daily/Flickr.

Toughness, however, has a funny way of not being pinned to one particular gender. It's not just ballerinas, either. NFL cheerleaders? They get paid next to nothing to dance in bikini tops and short-shorts in all kinds of weather — and wear only ever-so-slightly heavier outfits when the thermometer drops below freezing. And don't even get me started on how mind-bogglingly badass the Rockettes are.

Toughness also has nothing to do with what kind of clothes you wear.

As my colleague Parker Molloy astutely points out, the kinds of clothes assigned to people of different genders are, and have always been, basically completely arbitrary. Pink has been both a "boys color" and a "girls color" at different points throughout history. President Franklin D. Roosevelt — longtime survivor of polio, Depression vanquisher, wartime leader, and no one's idea of a wimp — was photographed in his childhood sporting a long blonde hairstyle and wearing a dress.

Many of us are conditioned to see a frilly pink dance costume and think "delicate," and to look at a football helmet and pads and think "big and strong." But scratch the surface a little bit, and you'll meet tutu-wearing ballerinas who that are among toughest people on the planet and cleat-and-helmet-wearing football players who are ... well. The 2015 Eagles.

You just can't tell from their outerwear.

Ballerinas wear tutus for the same reason football players wear uniforms and pads:

Photo by zaimoku_woodpile/Flickr.


To get the job done.


This article originally appeared on 01.05.16

Keep ReadingShow less
Image shared by Madalyn Parker

Madalyn shared with her colleagues about her own mental health.


Madalyn Parker wanted to take a couple days off work. She didn't have the flu, nor did she have plans to be on a beach somewhere, sipping mojitos under a palm tree.

Parker, a web developer from Michigan, wanted a few days away from work to focus on her mental health.

Keep ReadingShow less
via Bob's Pennsylvania Wildlife Camera

Robert Bush Sr. is an avid outdoorsman who runs a Facebook page called "Bob's Pennsylvania Wildlife Camera."

He set up a secret camera on a log that lays across a steam to capture footage of all the different animals that walked across it. The result is a relaxing video featuring all sorts of wildlife including a black bear, chipmunk, coyote, turkey, and great horned owl.

Keep ReadingShow less
Family

Son tells mom that he's 'scared of her' and she responds with a great lesson in parenting

'I know this might be a little shocking but I do sometimes actually find you a little scary.'

Raisingself TikTok screenshots

Son tells mom that he's scared of her and the exchange is parenting goals.

Parenting is a hard gig regardless of whether you planned to have children or they were a happy surprise. As many parenting books as there are out there, none of them have the perfect equation to get it right and most parents do the best with what they learned, or unlearned, from their own parents.

Samantha, a parenting content creator on TikTok under the name Raising Self, has been working hard to overcome generational trauma and parent her children differently. Recently she was doing a live video to interact with her followers when one of her children made a stunning revelation: he was scared of her.

You could tell by her expression that his confession was a surprise, and though her son barely took his eyes off the video game he was playing, the two had a very meaningful dialogue. Instead of being upset or even happy that her child was fearful, she responded with curiosity.

Keep ReadingShow less

Donald Trump and Shai-Hulud.

“Dune: Part 2” has been a smash with filmgoers and critics alike. It earned nearly $370 million in its first two weeks of release worldwide and has an impressive 93% Fresh Rating on Rotten Tomatoes.

The film centers around Paul Atredies's (Timothée Chalamet) journey from royalty to a new life on the desert planet of Arakkis, whom the inhabitants believe may be "The One Who Will Lead Us to Paradise.” Paul’s journey is treacherous, as he must battle his sworn enemies, the Harkonens while trying to avoid being gobbled up by 400-yard-long sandworms with knife-like teeth.

Keep ReadingShow less