+
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.

All images provided by Kat Chao

A photo of Kat and her mom, and a bowl of her mom's famous curry

True

Whether it’s the mac n’ cheese that reminds you of simpler times, or the exotic spiced chicken recipe you acquired from your travels, every meal tells a story.

This rings especially true for people whose families immigrate to different countries to start a new life. Immigrant parents often not only save every penny, but spend most of their time away working in order to build a future for their children. Each comfort meal they manage to provide their kids in the very few spare hours they have tells the story of love and sacrifice.

For Kat Chao, that meal was her mother’s Korean curry.

korean foodA photo of baby Kat and her mom and dad

Growing up, Kat’s mom worked weekends to support her family. But that didn’t stop her from waking up Saturday morning to dice up some beef and fresh veggies and throw them into a large pot so that Kat’s dad could heat it up and serve it with some rice to her and her brothers later.

Curry was a quick, easy and inexpensive way to feed a full house, but it served more than just practical purposes. As Kat would wake up to the enticing aroma, she was reminded that her mom was always taking care of her, even if she couldn’t physically be there.

koran curryYUM

As Kat grew a little older, her attitude towards her mother’s curry shifted. Instead of looking forward to it, she would “roll her eyes at it,” as is customary of the rebellious teen. Those less-than-positive feelings were only exacerbated by the media constantly labeling carbs, therefore rice, as “bad.” As a kid who struggled with weight, her comfort food became a source of discomfort.

But as an adult, and now a mom herself, Kat has reached a full circle moment.

korean recipes, albertsonsKat, all grown up with her own familiy

As she makes her own kids the exact same curry dish (okay, maybe a leaner cut of beef, and organic veggies…but otherwise exactly the same!) Kat finds a whole new appreciation for the recipe, knowing how hard her mom worked to even make it happen.

Kat was lucky to have grown up with a meal to look forward to each night. Other kids aren’t so lucky. 1 in 8 kids currently experience food insecurity in the United States. But there’s an opportunity to decrease those numbers.

For every O Organics product you purchase, the company will donate a meal to someone in need through the Albertsons Companies Foundation—for up to a total of 28 million meals.

Is there a dish from your childhood that you’ve longed to rekindle with? You could do like Kat does and give it an O Organic twist. Luckily, the O Organics brand has a wide array of affordable ingredients, so creating healthy swaps is easier than ever. Plus, you can provide nourishment to another family at the same time.

Just think—the next meal you prepare could make all the difference to someone else. If every meal tells a story, that’s certainly a story worth telling.

Pop Culture

Woman who lives on a cruise ship for free shares the 4 things she can’t do

Living on a ship isn’t perfect. It’s just close to perfect.

A beautiful ocean liner

Upworthy has covered a few stories about people who decided to live permanently on cruise ships because it's cheaper than living on land or in a nursing home. These stories have connected with millions because they say a lot about the modern cost of living but are also aspirational.

Christine Kesteloo has become popular on TikTok with over 680,000 followers because she shares what living on a cruise ship is really like. Kesteloo is the wife of the ship’s Staff Chief Engineer, so she gets to live on the boat for free. She only has to pay for alcohol and soda, which she gets for half off.

“I live on a cruise ship for half the year with my husband, and it's often as glamorous as it sounds,” she told Insider. “After all, I don't cook, clean, make my bed, do laundry or pay for food.“

Keep ReadingShow less
Joy

See if you can watch these 'Magic Flute' videos without laughing at least once

It seems that few can make it through the Magic Flute Challenge without losing it.

The Magic Flute challenge has people trying to stifle their giggles.

They say laughter is the best medicine, and it's true. When we're in a bad mood, it's practically miraculous how a good laugh can lift us out of it. Giggles can help relieve stress, which is good for our overall health, and as Patch Adams taught us, raucous joy can even help our bodies heal.

However, research shows that adults only laugh an average of 15 times a day, compared to children who laugh around 400 times a day. So we can all use some ways to laugh more.

Ironically, one almost surefire way to laugh is to be in a group of people who are trying to keep a straight face when something funny happens. There's something about trying not to laugh that makes it nearly impossible not to, especially when you're with others.

The "Magic Flute Challenge" illustrates this phenomenon beautifully—and hilariously.

Keep ReadingShow less
@thedailytay/TikTok

"My anxiety could not have handled the 80s."

Raising kids is tough no matter what generation you fall into, but it’s hard to deny that there was something much simpler about the childrearing days of yesteryear, before the internet offered a million and one ways that parents could be—and probably are—doing it all very, very wrong.

Taylor Wolfe, a millennial mom, exemplifies this as she asks her own mother a series of rapid-fire questions about raising her during the 80s and the stark contrast in attitudes becomes blatantly apparent.

First off, Wolfe can’t comprehend how her mom survived without being able to Google everything. (Not even a parent, but I feel this.)

Keep ReadingShow less
Science

The simple, yet powerful shift that can actually keep you motivated

Andrew Huberman breaks down what people can do to stick to their goals—and it's surprisingly easy.

Canva

Maybe we're focusing on the wrong thing.

There are a bajillion and one approaches out there when it comes to goal-setting, usually in the form of clever acronyms to remind us all of just how easy achieving our dreams can be. (Did you know there are more than just SMART goals? There are also HARD goals, WOOP goals, and OKR goals, according to Indeed.)

Still, despite the countless productivity tips, consistent motivation is something many of us struggle with. And while there can be serious factors causing this, like external stress or underlying mental health issues, it’s generally just a common thing people deal with. It’s really hard to keep your “eye on the prize” day in and day out, isn’t it?

But what if we shifted our perspective on what exactly the “prize” is in this scenario? According to neuroscientist Dr. Andrew Huberman, it could mean a lot.
Keep ReadingShow less
Pop Culture

Girl uses late grandpa's old clothes to make fashionable outfits to 'keep him close'

She's upcycled multiple shirts that you'd never be able to tell belonged to her grandpa.

Girl upcycles grandpa's old clothes into fashionable outfits.

Losing a grandparent can be hard no matter your age, especially if you were particularly close with them. Sometimes holding on to some of their belongings can help bring you a bit of comfort as you remember them. For Issy Spurway, doing something fun with a bag of her late grandpa's clothes is helping to keep him close to her heart.

Instead of donating the clothes to a local shelter, Spurway figured out a way to wear them herself without looking like a grandpa. The 21-year-old is a textiles student at Loughborough University in the UK. She deconstructs her grandfather's clothing items with a seam ripper and scissors before cutting patterns she comes up with to create a completely redesigned item.

Just looking at the items, it would be nearly impossible for you to know they were once worn by an elderly man. So far she's deconstructed and upcycled over 100 items.

Keep ReadingShow less
Joy

New poll reveals the top 20 things 'that make us feel good' in 2023

A welcome reminder of the good things in life.

A woman jumping for joy

Living in an era with a 24-hour news cycle and endless updates on social media gives many the perception that the world is becoming more chaotic by the day. But when you talk to people as individuals, they think their lives are pretty darn okay. A recent poll by Gallup found that 85% of Americans are “satisfied” with their personal lives, and 14% are dissatisfied. When taken in context, that’s 8% higher satisfaction than when the poll started in 1979.

One of the keys to living a satisfied life is knowing what makes you happy.

A new poll of 2,000 Londoners released by Babybel Cheese has found the top 20 things that make them happy and that might just work for you, too. The list is refreshing because it’s about enjoying the simple things in life instead of chasing status or Instagram followers.

Keep ReadingShow less