mauraverse

Hey M —

This is the thing. It's where I'm putting all the stuff I'm working on for you, and a place to drop me whatever else you find lying around. Look around when you have a sec.

If anything in here is wrong, weird, or missing, just text me. That always works.

— me

Drop me stuff

Photos, files, voice memos, paste text — whatever's easiest. Or text me, that always works.

💬 Text me
saved

Photos and files come straight to my computer. They never go to a cloud or an AI. how that works →

What we know so far

A small running snapshot of you. I add to this as you tell me things or send me things.

Insurance
Personal Choice PPO Gold via Independence Blue Cross. About $1,000/month.
Plan member ID
QBJ8020908700
Income on file with PA DHS
$27,360 / year ($2,280/mo from your practice — March 2025 through Feb 2026)
Medical assistance status
Working on it — MAWD eligibility looks open at your income level, more after I read everything you sent.
LIHEAP (energy assistance)
Denied 04/17 because income's $3,420 over their line. Appeal due May 17. I'll draft something this week.
Doctors
Working on it — send the list when you have a sec.
Medications
Got page 1 — keep sending the rest whenever.
USAA membership
Existing member. Big deal — opens grants, lending, insurance. Researching what they offer.

What I'm working on

Just a list. The first thing in each group is what I'm focused on right now.

LIHEAP appeal due May 17

  • ⏳ Reading the 12-page denial
  • ◯ Draft the appeal letter (by May 12)
  • ◯ You sign + mail it (before May 17)

Insurance

  • ✓ Pulled your BCBS plan info
  • ⏳ Reading the 12-page DHS notice
  • ◯ Call Jefferson billing for in-network confirmation
  • ◯ Compare BCBS vs MAWD vs Pennie side-by-side
  • ◯ Pick a path together

Money & grants

  • ✓ Amber Grant draft (4 paragraphs, ready)
  • ✓ Heard Grant draft
  • ✓ APF Direct Action Visionary draft
  • ◯ Submit Amber once you've read it
  • ◯ PA OVR intake call (business funding for self-employed)

Practice rebuild

  • ◯ Headway/Alma signup once insurance settles
  • ◯ Psychology Today profile draft
  • ◯ SAP marketing — Chester County employer list (already drafted)

USAA — new lane

  • ⏳ USAA Foundation hardship grants
  • ◯ Compare USAA auto/home insurance to current
  • ◯ USAA debt consolidation / refi on credit cards
  • ◯ Check what banking products would save you fees

Medications — every one, cheapest path

  • ⏳ Catalog every med you take from your photos
  • ◯ For each: GoodRx + Cost Plus Drugs + 90-day mail-order pricing
  • ◯ For specialty meds: manufacturer co-pay assistance programs
  • ◯ Generic alternatives where they exist

Conditions — patient assistance programs

  • ⏳ List every condition from your records
  • ◯ For each: condition-specific PAP / charity / hardship fund
  • ◯ Cross-reference what each program covers

Long view

  • ◯ Check PSLF eligibility (federal student loans?)
  • ◯ NHSC HPSA check for your ZIP

Stuff I've drafted for you to look at when you have a sec

Read whenever, in any order. Tell me anything weird.

📄 Amber Grant — 4 paragraphs

Drafted March 30. Reviews in your inbox. Submission window monthly. $10K, $15 fee.

say "submit it" →

📄 Heard Grant

Therapist-specific. $5K cash + $9K services. On the email list for the 2026 cycle.

📄 APF Direct Action Visionary

Up to $60K. Longer shot, biggest swing. LGBTQ+ mental health framing.

📝 LIHEAP appeal letter — coming this week

I'll draft, you read, you sign, mail before May 17. Strategy: argue countable income should exclude legitimate self-employment business expenses (likely brings you under their $23,940 line).

Things I want to ask you

Answer when you can. Skip anything you don't feel like.

Are any of your student loans federal vs private? I want to check if you qualify for PSLF.

Do you want me to talk to Jefferson billing on your behalf? They'll take a verbal authorization from you over the phone if I three-way you in.

For the LIHEAP appeal — can you list any business expenses for 2025 (continuing ed, software like SimplePractice, rent for office space, professional liability insurance, mileage)? Even rough numbers help.

Things you want to ask me

Drop a question — I'll answer next time I'm at my desk.

drafts auto-save

Where your info lives, if you're curious

Photos, files, and voice memos go straight to my computer (encrypted folder). They never go to a cloud or an AI. To delete anything: text me, I do it.

Notes you type here (and the answers above) save to a small private space behind your email-link login. Only you and I can sign in.

The page itself, the lists, the explanations — those are public-readable knowledge with no personal info attached.

If you ever want a log of every piece of your info that's moved in or out, ask me — I keep one.