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Why Getting a Second Opinion Matters

Julia expressed her frustration during our patient visit. After being dismissed by two other physicians who told her nothing was wrong, she had grown agitated with the medical system. Julia, a pediatric patient, was convinced something was just not right — and trusting Julia’s judgment, her parents remained steadfast in seeking other opinions. I was the third physician Julia saw, and after hearing her symptoms, her diagnosis was apparent — she had a heart rhythm disorder. Fortunately, we were able to cure her electrical problem with a procedure called a catheter ablation, but the family was still exasperated from the whole experience. “How was this missed?” they asked me. The answer is often complex, but certainly worth exploration.

For Specialists, Diagnosis Can Be Difficult

As a specialist in treating pediatric heart rhythm disorders, Julia’s diagnosis was quite obvious — simply because this is a condition I am very familiar with and see routinely. As a testament to Julia’s conviction, and her parent’s faith in her conviction, they were able to access a specialist that could provide an answer. I am certain that non-cardiac or rhythm-related diagnoses have not been detected by my relatively narrow bandwidth in the past. Like many specialists practicing today, the majority of ailments and diseases outside of our area of expertise can be difficult to diagnose because we have little to no experience treating them. Often times, these ailments haven’t been seen in our clinical practice since medical school — and in some circumstances, they have never been seen at all. Perceived largely as an advantage in modern medicine, and by many patients, sub-specialization has its limitations. I would argue, in fact, that the role of the primary care physician has been undervalued in our current medical system. Finding the “right” doctor is commonly the obstacle to a correct diagnosis and appropriate medical care, rather than the competency of the doctor. With the barriers posed by insurance companies, finding the “right” doctor has become even more challenging.

Building a Trusted Doctor-Patient Relationship

Certainly, as in Julia’s case, the basic tenants of a detailed history and physical examination will diminish the probability of “missing” a diagnosis. Julia’s description of rapid onset palpitations, which occur without warning, was a clear indication that this was not a physiologic process. Perhaps it was obvious to Julia, who was certain something was not right, and these strong convictions are telling — as patients tend to know their queues much better than a physician ever can. Being sensitized as a sub-specialist was fortuitous in this case. Despite that good fortune, our reflex to dismiss symptoms that we do not understand is short-sighted and potentially dangerous. Perhaps arrogance plays a role, but regardless, our admission to not knowing, but being concerned, should be an accepted and appropriate response. Of course, in this scenario, a physician should provide acceptable consultation and steer the patient toward an expert in the field. Acknowledging that the patient’s symptoms are valid is the building block to establishing a trusted doctor-patient relationship. Finding them the “right” doctor only reinforces that trust.

Not every doctor-patient interaction is favorable, and not all patients trust what their doctor prescribes and concludes. As physicians, this must be an accepted and anticipated aspect of our medical practice. More importantly, our obligation is to provide an avenue that optimizes their medical care. In some cases, referring a patient for a second opinion is appropriate and should even be facilitated by the referring physician. It is not uncommon that I suggest to a patient or family that they seek another opinion if I sense discomfort or distrust in my recommendations. Ultimately, without that as an established precedent, successful treatment and outcomes fall short. Furthermore, physicians who are reluctant to or impede the process of obtaining a second opinion are keeping the patient’s best interest in mind.

The Stigma of “Cheating” on Your Doctor

Another aspect of the delicate doctor-patient relationship that is exposed by the prospect of obtaining another opinion is the fear of insulting or offending the primary physician. Patients and families with a long-established rapport can be intimidated by the notion of “cheating” on their doctor. Understandably, this can be an uncomfortable situation. Nevertheless, a physician that respects patient autonomy and is interested in optimal patient outcomes will do his or her best to facilitate this process. Providing records and even communicating with the referred physician are signs that your doctor is an advocate for your health.

Ultimately, any discomfort in a prescribed diagnosis or treatment plan should prompt another opinion. Patients can be their own advocate and find the most appropriate physician for their suspected disease. Even if the end result is the same prescribed strategy, hearing this from two independent clinicians not only provides comfort, it achieves the objective.

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Why Getting a Second Opinion Matters originally appeared on usnews.com

Don’t Settle for Student Loans to Pay for Online Education

Online college programs are becoming a more popular choice for prospective students, with one study finding that more than 6 million students enrolled in at least one online course in fall 2015. The popularity of these courses can be attributed in part to their flexibility with working adults' schedules, students' ability to progress more quickly through online programs and, oftentimes, cheaper tuition. [See 10 low-cost online bachelor's programs for out-of-state students.]Online degrees can be beneficial to many college students, but some studies have shown online learners complete their programs at lower rates than students at traditional brick-and-mortar campuses. Individuals with student loans but no degree comprise two-thirds of defaulted borrowers. Though these numbers are not encouraging, just like for traditional programs, there are ways to reduce how much you'll need to borrow for an online program to ensure you won't become one of these statistics. Don't just settle on borrowing student loans to cover the whole cost of your program and living expenses. Instead, start thinking about how to cut costs and cover your balance in different ways, such as the following. -- Grants and scholarships: Even though you are taking an online course, you can still apply and receive grants and scholarships. But your first step should be to complete the Free Application for Federal Student Aid, commonly referred to as the FAFSA, which will allow you to receive a Pell Grant if your expected family contribution is low enough. The EFC criteria and award amounts are adjusted annually, but the 2017-2018 academic year awards range from $606 to $5,920, which could significantly lower the amount you borrow annually. Your next step is to apply for scholarships. You can start by checking online scholarship search engines, such as the Salt Scholarship Search, College Board's BigFuture and Peterson's. But don't forget to take advantage of local organizations and your school's financial aid office. Both may offer scholarships that you can't find with a national scholarship search. [Review these 10 sites to kick off your scholarship search.]For instance, organizations like the Elks Club, Knights of Columbus or the Rotary Club typically offer scholarships annually to local students. Just because you're going to school online doesn't mean you're ineligible. Visit your local library for scholarship listings, and ask around town. You might be surprised how many local organizations offer scholarships. While these scholarships typically aren't large, every little bit counts. Each dollar you receive in a scholarship is a dollar you don't have to borrow and pay interest on. -- Work-study: Another option for online students may be work-study awards. Not all students enrolled in online programs are eligible, but students at some schools -- including, for example, SUNY Empire State College and Liberty University -- are. Work-study awards are not given upfront like scholarships and grants. In most cases, they are an offer to earn up to the awarded amount if you secure an eligible work-study job. While there is a misconception that all work-study jobs must be on campus, students can work for off-campus, nonprofit or public employers as long as the work is in the public's interest. You may be able to work for a for-profit employer if the job is relevant to your course of study. No matter who the outside employer is, it will need to have an established agreement with your college for you to receive work-study funds. Remember, to be eligible for federal financial aid, you must be enrolled and pursuing a degree or certificate. If you're not working toward a credential, Pell Grants and work-study won't be option, but you may still be able to take advantage of private scholarships -- just be sure to read the eligibility criteria carefully. [Explore what to know about financial aid in online programs.]-- Pay as you go: One of the great benefits to enrolling online is the flexible schedule, which can allow you to complete your college coursework around your responsibilities. But prospective students often overlook using their part- or full-time job earnings as an option for paying for college. Almost 80 percent of college students in 2015 worked at least part time while attending classes, according to the National Center for Education Statistics. By budgeting and thinking strategically about your college costs, you can likely reduce your dependence on student loans by paying a portion out of pocket. Many -- but not all -- online programs are less expensive than traditional programs and often have shorter payment periods. Six, eight or 10 weeks are common course durations. Because of the frequency of payments in an online setting, you may be well-placed to pay as you go and possibly avoid borrowing altogether. Attending college online and avoiding student loans may be challenging, but if you are willing to put in the effort, you can limit the amount you need to borrow. More from U.S. News Q&A: Understanding Student Loan Discharge Eligibility Student Loan Refinancing Isn't Right for All Borrowers
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