May 27, 2025
Decode Your Insurance Coverage
Think you’ve got your health insurance figured out? Think again. Join Divya Parekh and legal experts Joanna Fawzy Doran and Monica Fawzy Bryant as they reveal hidden gaps, bust myths, and share must-know tips to help you take control of your coverage—before it’s too late.
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WEBVTT
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The topics and opinions expressed on the following show are
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solely those of the hosts and their guests, and not
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those of W four WN Radio It's employees or affiliates.
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We make no recommendations or endorsement for radio show programs, services,
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be directed to those show hosts. Thank you for choosing
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W four WN Radio.
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This is Beyond Confidence with your host DV park. Do
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you want to live a more fulfilling life? Do you
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want to live your legacy and achieve your personal, professional,
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and financial goals? Well? Coming up on ZVA Parks Beyond Confidence,
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you will hear real stories of leaders, entrepreneurs, and achievers
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who have steps into discomfort, shattered their status quo, and
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are living the life they want. You will learn how
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relationships are the key to achieving your aspirations and financial goals.
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Moving your career business forward does not have to happen
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at the expense of your personal or family life or
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vice versa. Learn more at www dot Divpork dot com
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and you can connect with vats contact eds dvpark dot com.
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This is beyond confidence and now here's your host.
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W Park A good morning listeners. That's Tuesday and I
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get to be with you, so thank you for being
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part of us. And it was Memori Levey Can. I
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wanna be a tribute to all our fallen heroes and
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heroes because of whom we have our freedom. So very
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thankful for their services and for their families as well.
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So we always talk about kindness Circle and the story
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that I want to share is the story of Johanna,
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one of our audiences. So what Johanna shared was that
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she lives in an apartment building and what she found
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was that a mom had, you know, she had her
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two year old like down there, and it's like, you know,
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the mom was apparently on the first floor. So what
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Johanna said was like, you know what, why don't you
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bring your baby down first, and I'll watch the baby
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while your son is playing inside the house, and then
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bring your son down. So just that little kindness went
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such a long way and mom was so profusely grateful.
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So just kind of think about it, and of course,
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you know, you just don't want to jump into help
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because people can take it another way. So just kind
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of ask them and said, okay, and I'm your neighbor,
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you know, identify yourself. And that's what Johanna did. So
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thank you Johanna for keeping it going. For those of
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you who have got our books, we thank you because
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partial profits go to keep it our organ For those
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who have not got our books, get the books, any
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of the books that we have written. Entrepreneurs got in
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expert to influencer, your masterpiece and actually my another book
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will be coming out this year, so very excited about it.
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Get it and help us spread the message. And let's
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welcome our guests. Welcome Monica, Welcome Joanna.
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Thank you. It's nice to bear with you.
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Oh it's wonderful to have y'all, so share it with us.
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If you'll recall any times from your childhood or youth
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when somebody left or it was just an incident like
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that left to positive.
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Mark on you, well, that is a very broad question.
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I would say that.
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Maybe not from just from childhood, but I think that
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in my career there have been many times in doing
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the work that I've been doing where people actually took
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the time to share the impact that it had on them,
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and I think that that.
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Is incredibly rewarding in the work.
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That we do.
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But it also helps drive you.
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And it also helped give me perspective on the challenges
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that people that other people are experiencing.
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So it gives me perspective on my own life and
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how fortunate I am in many ways.
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Absolutely, how about you, Monica, I.
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Would certainly go what Joanna just shared.
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I will also say that through my professional life, I
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have had the absolute honor to work with some incredibly
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brilliant and hard working women, and a couple of those
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women really took the time to mentor me and to
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support me as I began my career, and that really
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showed me that the power of community can mean so
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many different things. And in that specific instance, you know,
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the community of strong, intelligent, driven women can really lift
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each other up and they can just do incredible things
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in life.
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So, Joanna, what got you into becoming a lawyer?
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Well, I have to admit that when I went to
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law school, I knew that I didn't want to be a.
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Litigator or be in the courtroom.
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I really found that there was power in the law
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that it creates the systems that we have to navigate
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and has an impact on our daily lives. And so
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I really wanted to be able to engage in the
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policy aspects of being a lawyer and being able to
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shape laws in a way that have a positive impact
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on our society.
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And how did you get involved in that?
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Well, I went to law school thinking that I wanted
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to do that on an international level. I was an
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international relations major in undergrad but then when I got.
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To law school, I found that there were a lot.
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Of places in our domestic policy that could be improved,
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and so I did an internship. Well, I was in
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law school that focused on providing services to people with
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disabilities and cancer and that is really what led me
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down the path to my current career.
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So it wasn't planned, but.
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It found Well, that's how life is. So many times
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we have plans and life takes a detour and sometimes
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we don't know. And that's the beauty of every day
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and it's a beautiful gift that we all have. Someone
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is go about you, how did you get into the career.
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Well, I'm sorry for the technical difficulties, but I too
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had a windy path towards becoming a cancer rights attorney.
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I went to law school knowing that I wanted to have.
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An understanding of how everyday.
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People could use the law to improve society, and so
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I started off working in Congress in trying to shape
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do my small part in shaping public policy and laws
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that would really uplift the lives of day Americans. Personal
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reasons had me leaving Washington, d C. And then I
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really struggled to find a career where I could use
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my knowledge of both policy and how laws were made
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and implemented, but in a really tangible way help a community.
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And thankfully, through Joanna's support, that led me to the
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cancer community and I've been here ever since.
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So how did you get together?
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So? Monica and I are actually sisters, so people know
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us in the cancer community as sisters, but we effectively
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grew up in a healthcare community. Our parents are both
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doctors and worked in the oncology space and gave us.
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Perspective and an introduction.
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To the challenges that patients and caregivers experience when diagnosed
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with sterious medical condition.
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So so many times what happens to Joanna is that
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you know you're working in the corporations, the daily conundrums
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and the daily humdown of life, and then all of
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a sudden, I mean, of course there are pressures. You
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know that you may have kids, you may not have kids,
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doesn't matter whether you're single or spouse or in partnership,
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wherever you are at, just that daily pressures are enough
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as it is, and then all of a sudden, any
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life threatening illness or cancer like immune and it's it
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is so traumatic in itself. So now you're in that
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situation or one of your loved ones is in that situation.
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So initially, like you know, I've heard stories from my clients.
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They've said that, you know, the bosses, everybody's been very supportive,
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but that support kind of seems to keep on drying
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up if it lingers around long. And these are like,
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you know, long driven illnesses. So tell us, like, you know,
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how can people get through all of that?
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There are laws that do provide protections related to employment,
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both for employees who are diagnosed with serious medical conditions
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like cancer, but also for caregivers. But there are also
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employer policies that provide additional benefits and protections that can
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be supportive. And so when we're talking about employment, we're
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also trying to teach employers about the ways that they
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can support their employees dealing with chronic or serious medical conditions,
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because at the end of the day, employers want to
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keep valued employees, and so we have to remember that
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employers and employees they have a mutually beneficial relationship, and
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there's value in creating an environment that.
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Supports both the needs of both.
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And so while we are generally teaching employees about their rights,
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we also try to teach employers about what their legal
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responsibilities are under the law, but also ways to proactively
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try to support employees in those situations. But I fully
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realize that that is easier said than done, and we
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see the full spectrum of employee experience. So we see
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employees who have really supportive employers throughout their.
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Health condition experience.
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But then we also, unfortunately see the downsides of when employers.
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Don't understand their legal obligations or are less concerned with
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supporting their employees.
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So let's say, let's begin with an employer, what can
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they already put in place so if something like this
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happens to prepared for it well.
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From an employee perspective, I think the most important thing
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is to understand your rights and where the laws do
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and don't apply to.
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Excuse me, they're specific employer.
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So every law that we talk about actually applies to
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different types of employers. So if you're looking for protection
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under the Family and Medical Leave Act, for example, which
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is a federal law, it only applies to private employers
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with fifty or more employees, or to state, local, or
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federal government employees. So if you know that that's a
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benefit that you want to have access to, if you're
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looking to work for a smaller employer that might not
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be the right fit for you, or understanding what additional
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benefits that smaller employer might be willing to provide even
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though they're not legally required to do it. So you
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can be strategic in looking for employment opportunities.
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But in order to do that, you have to kind
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of understand the laws that would be helpful to.
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You in dealing with a chronic or serious medical condition
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and then look for employers that are actually bound by
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those laws. The same thing is true though when you're
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looking at benefits, so looking at employer health insurance benefits,
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for example, if you know that you have a chronic
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or serious medical condition, making sure that you have access
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to quality health insurance coverage is key. We sometimes assume
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that all employers have the same health insurance coverage or
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it's going to be good health insurance coverage because it's
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being provided by an employer, and that might not be true.
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So understanding how to look at those options and figure
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out if it's going to meet your needs is also
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something that employees can proactively do when looking at employment opportunities.
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Yeah, no, that's definitely because that is the time they
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can negotiate and they can make the decisions. You know,
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which company to even look for. So as you mentioned that,
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if you have that, you also talked about insurance. So
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there's so many different types of insurances. So let's kind
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of explore, like, you know, a couple of options. One
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is insurance given by the companies. One is there are
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a lot of contractors a lot of entrepreneurs, So in
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both situations, what options they can consider and what they
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can go with.
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For individuals who aren't working for an employer that is
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going to offer them benefit, there are specific options available
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and so then it might come down to where you
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live and your income level. But generally speaking, if you're
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not taking those two things into consideration. There are private
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health insurance plans that are offered through state health insurance marketplaces.
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So those marketplaces are often called exchanges or sometimes people
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call them ACA plans or Obamacare plans, but effectively, the
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government created a shopping mall for health insurance coverage called marketplace,
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and in going to the marketplace, you can find all
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of the private health insurance plans that are offered to
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you in your state that also have to provide some
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consumer protections, and depending on your income level, you might
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qualify for financial help to actually buy your health insurance
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plan or to lower some of your out of pocket costs.
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So depending on your employment, if you're in contract employment,
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or you're an entrepreneur, or even in some gig jobs,
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those are all times where you might not have access
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to employer sponsored insurance and you could look at the
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marketplace to see what health insurance options are available to you.
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And then depending on your state and your income level,
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you might also qualify for medicaid in your state.
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Yeah, these are some very important points in your experience.
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Are there any criterias that people need to keep in
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