Happy Blog

This publication has been started in reply to a friend’s request in Facebook to share some moments from our lives where we have been aware that particular situations are arranged by God – something given or somebody sent to us by God. The original request was:
“Are YOU aware of situations created by God just FOR YOU or people God sent just for you? Please give a few examples…”

I think this topic is worth sharing with more people as another testimony of God’s omnipotence and infinite Love and decided to make it more public through our blog.

It all started in early 1998 when I underwent an incident that totally changed direction of my life. The short story:

I was caught by a gang in Bulgarian capital. They got mad at me because I was supposed to have money for purchasing vehicle but in the last minute I decided not to take the money with me. I was beaten half to death and they took me to a small lake where they were going to kill me and dump the body in the water since I already saw their faces. The last second their boss said: “Stop. Leave him alone.” and they left.

After that I had enough time to review all my life and clearly see that I was simply given another chance for change, most likely the last one. Needless to mention that before that happened I lived empty, useless life with no goal, heavily abusing my physical body with alcohol and disregarding my wife and children.

Soon later a friend of mine gave me “Autobiography of a Yogi” and I immediately got connected to my Guru – the author and founder of Cyberspace Ashram for Kriya Yoga, God and Love.

Who was the one to change gangs’ boss mind in the last second and arrange all my life thereafter?

God is almighty and can create or arrange anything for the right cause or just for Love – from meeting with the right person at the right time to finding the right job. I can witness many God sent and God given happenings in my life. This publication is just part of them and I will describe my job situation for the last several months in the USA before my departure for Bulgaria.

In the end of August 2010, financially we were down to “zero” due to a gross negligence which had led to broken leg and surgery in February the same year. Since I had not had permanent employer I started my job search in September from scratch. Everything was extremely slow moving and soon I got desperate.

End of September, suddenly, my wife confessed that she wants to work as a pediatrician again. We checked with Bulgarian Ministry of Health and got a response that they changed the law in 2009 and Medical Doctor’s rights do not expire anymore. That was great news and we decided to return back to Bulgaria for good.

And we needed to save some money asap to make the move possible in the Spring of 2011. I briefly calculated that I need to work between 70 and 90 hours weekly to accomplish our move as planned. In this totally different situation the only place to look for a job was … God.

With my profession as caregiver, without permanent employer, to get so many hours a week is possible only if I find work in the home care field, combined with part time work for some nursing homes and staffing agencies. So, I prayed to God for very precise work schedule: working home care night shifts 10-12 hours a day and some day shifts in the nursing home (in the meantime I got hired by one rehabilitation center for part time, but was getting very little work there).

And soon it started!

I was in the file of one home care registry for one year and got nothing at all so far. So, I called them and they offered me a case 3 times a week for 3 hours. It was out of my area and required lots of driving but I took it just to put myself in the active caregivers’ list and the boss’ memory.

At the same time I visited the staffing coordinator in the nursing center I got hired, with roses and Swiss chocolate and got more hours there. We also have to contribute for our wishes’ fulfillment ( and please only quality stuff to give to who you expect favor from).

Then one of the caregivers got hit by a car, nothing serious, but I got his case for a while. I was building more and more hours and I was also being called almost miraculously by a staffing agency.

One night, while working in a nursing home, around 21:30 I got a call from the home care registry ( it was a rule for me not to carry my cell phone while working, but that night it just happened to be in my pocket) for emergency situation with a guy in his house. The guy was an Alzheimer patient, violent at times, and his wife was not able to handle him. I got there after my nursing home shift and managed to get along with him. The agency boss was so impressed that I got the whole case just for me – every single night from 8pm to 8am = 84 hours a week. Plus my work in the rehab, already short custom made shifts just for me. Remember the chocolate? It always works and I continued to bring some of it. Plus roses. I worked 3 months with that case and then immediately got another one and another one till my departure on May 15th.

And since I needed car to drive to and from my jobs I kept my car till the last
minute and prayed to God to send me a buyer on the last day. And that also happened. The last day around 8:30 in the morning I put an ad in the Craigslist and half an hour later a guy called me and got the car.

God is Love

georgi

I stopped being impressed by “miraculous” healing done by humans on earth long time ago. This happened after I realized that Love, coming from God, is the utmost healing power. The only prerequisite is to have someone, yourself too, open for God to let Him do the actual healing.

The first step toward this realization was the story that happened almost 10 years ago.

In October 2001, we spent almost a month on the beautiful island of Busuanga, Philippines. That month is the precious gift I ever had, because we spent all the time with someone who knows God and who has been continuously teaching and spiritually counseling us ever since – our Guru.

The place we stayed was a small garden type resort, where we were treated more like family members rather than tourists. So, we had all the time just for us: to start real husband-wife relationship. My wife was very open for God and got some precious gifts in addition to all the rest.

One day one of my teeth broke at the base ( I had a crown installed just month before and obviously the tooth had been filed too much at the base ) and I went to the local dentist to pull out the roots left in my lower jaw.
The extraction took around 45 minutes with 3 injections of anesthesia.

After all pushing and pulling, on my way back, I started already regretting that I visited the dentist. When I got to our cottage I suddenly remembered that the day before Guru told my wife that pain can very easily be “removed” from the body. I asked my wife to try to relieve my pain with God’s help. So, I lied in bed and my wife bent over me. I closed my eyes and opened my Sahasrara Chakra. And suddenly all pain went away – it was gone forever!

That was the most amazing thing that had happened to me so far.

Later on I have been shown how Love changes people’s hearts and lives, which just strengthened my faith – Love is the complete solution for all because God is Love.

God bless you.

How to get help and help yourself with hospital bills and doctors bills

We all do mistakes and they are always costly. But sometimes a single mistake can ruin someone’s whole life. This publication is intended to give you some practical help on dealing with hospital bills and doctors’ bills. I have gone through this twice in my life and learned how to solve such matters within shortest periods of time. All the options below are based on my personal experience and have proven to be successful.

The options mentioned only apply for people WITHOUT HEALTH INSURANCE.

Lets start with the first story:

In Autumn of 2004 our younger daughter was diagnosed with leukemia. We were out of the country when she went to ER of the largest hospital in Saint Petersburg, Florida and then she was moved to “All Children’s Hospital” in the same city, for eventual treatment. She underwent chemotherapy and got back home in a month. After a week or so the bills started to fill our mail box and we immediately started taking care of them.

First thing to make you aware of is: hospital bill is totally separate from doctors’ offices bills.

Hospital bills

From the hospital you get one bill for anything that has been done, no matter where you have started from – ER or operation room.

All hospitals have financial aide programs ( might be called differently, but is the same thing) to help people with low income or in need. The scale varies from hospital to hospital, but if you are family of 4 with annual income $24-30 000, you will be eligible most likely. So, find who is in charge with that program ( charity or financial aide) and get an application as soon as possible. Different programs have different requirements but be ready to submit proofs for income, bank account statements, and other papers if needed.

Doctors’ offices bills.

You will get as many bills as the number of doctors involved in your treatment. Even if a specialist comes and asks you a few questions.

Start taking care as soon as possible

Very important: avoid phone calls and physically go to the office, face the right person and solve your problem right away. Be ready to pay what you negotiate on the spot. In almost all cases, the right person to talk to, is the office manager – other employees have no power to take decisions. If the manager has no time for you the same day, set an appointment for soonest time later.

Fortunately God always guided me to the right people. In first office I visited, I spoke to the billing specialist there – a very generous person, who understood my situation and revealed before me some important information:

Many know that people without health insurance are being billed at the highest rates. Yes, that is a phenomena but is right. So, she billed me at different scale, as if I had Medicaid. That was a tiny percentage from the initial bill – more than 20 times less! And she also explained to me that it is normal for many offices to just transform the initial bill to another one on the computer. It happened with two other offices later on.

Explain your situation and ask to be billed at different scale ( it does not matter that you do not have it) – Medicaid is best choice.

In another office, my bill there was some $9 000, I set an appointment to see the manager the next day and when I talked to her for a minute, she lowered my bill down to $2 000. I told her that I do not have such money and she said that they will set payment plan for $20 a month. We had some emergency money in the bank account and I offered her $1 000 at the moment, instead of waiting 8+ years for the amount to be paid off. She agreed and I paid with my debit card.

I know that such kind of bargaining may not look worthy for some people, but I am also aware of many very high charges in the health system ( like $500 for a short visit ) as well as some high salaries, which can not be justified. And we are simple working people.

In the last office I dealt with, I encountered zero understanding and I told the manager that I want to see the head of the office – the doctor under whose name the office was operating. They told me that the doctor is very busy, but since I insisted on my right to see or talk to him, they set appointment for telephone conversation a few days later. And when the doctor called I asked him for mercy and I got it.

All the above happened in my home town – Saint Petersburg, but there might be different scenario: when you are away from home.

The second story:

Last year, as a result of gross negligence, I broke my leg in Washington, DC. I underwent surgery and stayed in the hospital for 3 days due to weather conditions.
As you already know, first thing with the hospital was to ask for their financial aid / charity program. So, I got an application and took it home with me. I filled it out at home and sent it by registered mail to their office. A month later I got an approval.

With doctors bills was different because there was a separate billing company in charge with all doctors’ offices bills and I was not able to go for negotiation to all the offices due to my condition.

There is 1 month period, within which you can discuss your bills with them. After that you deal only with the billing company. I could not get their manager on the phone to discuss some of the charges and the payment method ( was funny because the option they had was to pay $8 000 bill within 6 months and I was out of work with broken leg) and finally I quit.

A few months later I got a letter from collection agency. I called them and
explained that some of the charges are abnormally high and I can not accept them and I am not going to pay such bill.

If your bill goes for collection you can make deals with the CA. In my case from 8 000
the settlement was for 4 500, and I had 1 month to pay it off. I told the collectors to send me all details by mail and that I will let them know whether I accept the settlement or no. Then I called the billing company and they said the settlement is for $4 000 and I have 1 month to pay it in whole. As you see the collectors just put extra $500 upon me. 2 weeks later we had 4 000 and I paid the bill over the phone.

Another option to get help is Medicaid

Medicaid is for everybody and it differs from state to state. So, you need to check your eligibility with your home state and file an application. The program covers individuals from different social groups and will pay all your bills 3 months back from the time you file the application if you are eligible. Even people with high income can get help from it. It may also pay your bills from another state ( Florida Medicaid does it ).

In my first story we did not meet the residency ( 5 years for the state of Florida ) requirement to get all covered by Medicaid. And for my second story I did not have dependants to be eligible.

Bankruptcy

You can always file bankruptcy and start new life from scratch if you are ready for this. This could be your best move.

The final words: be open, be honest, ask for grace and mercy to get your normal life back and learn from all the mistakes.

God bless you.