Healthcare or lack thereof
OK. So it is NOT in my plans to write about politics every single day, but when life hands you annoying fucking situations that are factoring heavily in the current Presidential race, what can I do?
So, as I mentioned a few weeks back, I have this lump on my hand. It's between my thumb and forefinger on my left hand, right at the joint in the center, neither palm side or top side--literally the center. My doctor looked at it (she's actually a nurse practitioner; I adore NPs) and while she didn't think it's anything to worry about, she suggested I see a bone/hand doctor.
So, I call the bone/hand doctor and schedule an appointment. But wait! I completely forget that I've changed insurance plans from my "fail safe" see-any-doctor-you-want plan ("fail safe" meaning the one plan my state requires by law to take all comers that can afford the premiums; they can, however, still refuse to cover pre-existing conditions). Why did I change plans? Because my policy was going to be increased $180 a month merely because I had the audacity to become forty years old. So I joined my local chamber of commerce (as a sole proprietor of my business) so that my whole family could get their group coverage, saving us about $400 a month in premiums.
We still pay over $1,000 a month. That's more than $12,000 a year, just for the record. A quarter of our income, and slightly more than we pay for our home. That $5,000 a year tax credit John McCain talks about? Would cover less than half our health care costs.
So, I schedule an appointment with the bone/hand doc my NP recommends. But wait! Because of my new policy I needed a referral. So I cancel and reschedule my first appointment, call my doctor's office--who has someone on staff JUST to process referrals, which I'm sure they are THRILLED about having to pay for and pass the costs on accordingly--and wait a week. At last I arrive at the hand doctor's office with my referral in hand and... I can't both see the doctor AND get an x-ray of my hand because the referral only covers the doctor appointment. I need a separate referral to be allowed to have an x-ray.
But I go ahead and see the doctor who gets to diagnose me just from good old fashioned prodding (ow). The doctor suspects either a ganglion cyst (although the placement is odd) or possibly a giant cell tumor (which only happens in one out of a million people, so you KNOW I have it, right? I mean, preeclampsia only happens in <5% of pregnancies, and placental abruption only happens in <1% of pregnancies, and I've had BOTH. Lucky me). They can't aspirate it to check like they would a normal ganglion cyst because it's too close to a nerve bundle.
AWESOME.
So, next step is an MRI. Which requires pre-certification, which as far as I can tell is just more meaningless paperwork someone is paid to do. When the bone/hand doctor's office attempts to get said pre-certification, they are informed that my insurance company does not know who my primary care physician is (even though I told them when I signed up), so they cannot tell the bone/hand doctor's office which MRI scanning center I am "capped" to. Capped (short for capitated) means, basically, restricted to--if I want them to cover said MRI, that is.
I happen, sadly, to have huge claustrophobia issues, meaning it took three tries and valium (which, I assure you, this addict does NOT take without extreme need) to get an MRI of my brain for my migraines. However, if I am "capped" to the health care system associated with my primary care physician and the bone/hand doc, then I will NOT have access to an open MRI machine, only a "large" one that "helps" claustrophobes like me (and if you think I'm exaggerating, just the thought of the regular MRI machine makes me want to throw up and makes me shake).
Additionally, I had to pay a $20 co-pay to have my NP initially examine my hand, a $40 co-pay for the bone/hand doc, and will have to pay an $80 co-pay for the MRI itself. Plus another $40 co-pay to see the bone/hand doc again to get MRI results. Plus whatever co-pay or deductable I'll need to meet to cover surgery, should I need it. And it will take months, of course, for this all to resolved AND my insurance company could decide NONE of it is covered because I foolishly saw my NP when I first found the lump in my hand--a full week BEFORE the new coverage started.
All this, and I'm not even really SICK.
...
So. Tell me, exactly, how this is BETTER than univeral health care? Because I can't see it.





