Surveying the landscape of aging in post-postmodern America with compassion, wit and a liberal slant. Only intermittently mature.

Saturday, November 14, 2009

Bitter Pill


     I spent a classic Friday the 13th in the ER, where I had a few unexpected hours free to ponder healthcare reform. I'm fine; it was just one of those odd things that we elderly folk are prone to called "pill esophagitis", which triggered a cascade in the sympathetic nervous system, mimicking a heart attack.  It was first terrifying, then mostly embarrassing and painful, then time-sucking and boring. Because I wasn't able to breathe properly and my DH was being careful, I got the full treatment, bumpy ambulance ride and all.

      Once I figured out I was going to live, I got interested in seeing what a big city hospital ER looked like on Friday the 13th in the middle of a flu epidemic. It was really quiet and surprisingly empty in the waiting room, just a handful of people. My doctor was apparently fifteen and probably a movie star, so it was all worthwhile in the end. Who wouldn't want to be treated by a gorgeous child prodigy? Essentially for free. Paid for by you, the taxpayer.

     Thanks to my DH's military career, we have terrific Tricare health insurance. It can often be no-frills, it won't cover non-essentials, and there aren't many providers in most towns, but it's been more than adequate for us so far. And the drug benefits are unbeatable at an average of $9.00 per script.  When I turn sixty-five, Tricare For Life kicks in as my automatic secondary to Medicare. I could tell you some horror stories about treatment for military dependents in S. Korea, or about trying to get admitted to deliver a baby at a crowded military OB clinic on a full-moon night, but they'd be nothing compared to the stories I've heard from the under-insured or uninsured, so I can't complain. It's reliable insurance. It pays for treatment. I wish you had it, too.

     As a provider of mental health treatment, I've watched even the well-insured suffer from the standard policies of commercial insurance companies. Because they feared the pre-existing condition clause, patients would sometimes deny symptoms, drop out of treatment when diagnosis was discussed, or wait until they were in need of inpatient care before they showed up for outpatient care. I've seen patients dropped from insurance enrollment for having the temerity to be seriously mentally ill. And, too many times to count, I've watched patients try to manage without medications they desperately needed, because they couldn't afford them. For a person with a chronic, but common, problem like anxiety or depression, a job change can be a traumatizing risk or an impossible luxury due to insurance issues. Cobra can be a Hydra to these folks. Three or four such stories a day, on an average day in my office, would break your heart.

     I don't have answers; only opinions. If a "public option" could resemble my insurance and Congress could find a way to pay for it without turning us into a third world country, I'd be all over it. I wonder what it would cost for everyone to have the kind of insurance that military families and federal employees have? It couldn't be that hard to do the math, since we have decades of data on those populations to extrapolate from. I'm really hoping that somebody is doing their homework.


     About all I suffered yesterday was a sore throat and a few hours lost. I listened to the stories emerging from the other curtain-icles near me (there's no privacy in an emergency room), and worried  whether financial disaster was in the making for the storytellers. Or whether your dollars were paying for both their treatment and mine, one way or another.

     Later on, free at last, I scrolled around the news channels on my daughter's TV. It was hard to find anything that resembled news. I watched two very attractive female anchors flirt with each other while mutually bashing Sarah.  Wolf Blitzer was standing in for Larry King. Three guys were yelling at and interrupting each other over where to try the 9/11 terrorists; if the trials are any less decisive or any more slapstick than this display, we're all going to feel furiously cheated of justice. Worst of all, I saw Congressman Shadegg exploit an infant to make his point about healthcare reform.  Now, I feel sick.  I think I'll make a contribution to the closest National Public Television news broadcast I can find, because they may be the only people who still occasionally offer news in a form I can recognize.

     The healthcare issue is personal.  There's no one who isn't affected, no one who's neutral, no one who should be.  It's going to take a couple of decades, or more, to work the kinks out of whatever we decide on.  And, since neither the science of medicine, nor the context in which it's practiced, ever stands still, our great-great-grandchildren will still be tweaking the laws we pass.  In the end, it's all about the personal stories.  What's your healthcare story?  Scroll on down and post a while.

















10 comments:

  1. First, I am glad you're ok. Whew. Take care my dear of your esophasgus.
    Being treated by Dougie Howser, M.D. (young hottie)? Cool.
    Our healthcare story. Totally not cool. You know some of it. Recently...paid $1700/mo for 18 long mos of Cobra. Got Blue Cross of CA b/c they HAD to issue us after exhausting our Cobra benefits. Just transitioned to Blue Cross of AZ. You'd think it would be cheaper...no, still a beastly $1700/mo. But it's all we qualify for b/c of pre-existings and self-employed. It's either that or go uninsured. And at 10 grand a crack for any little medical/hospital thing, we figure it's safer to stay insured than not, but dear god, I dont know what other people do. One major medical event if you're uninsured can ruin you financially...forever. No win situation.

    Nitey nite. OMG as a random, I just made the most ridic good Homemade Vegan Reese's PB Cups. They will hit the blog tomorrow nite, I am munching away as I type and off to reload :)

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  2. vervezest-2009@yahoo.comNovember 15, 2009 8:37 PM

    Didn't you say you were a big fan of Doogie Howser? Your ordeal sounds frightening and a bit depressing and thanks for bringing it into your blog.

    I love the BBC; too bad they don't cover (or we have the same) in the US. We seem to have similar views of news coverage - you may want to try a copy of the National Review magazine. Struck me a little more plain and straightforward, like the BBC, but news periodicals are like food to me. I eat them up till I find out how many bad calories are really in it and then drop it for awhile. Of course I don't read the nutritional charts till I'm a little burned out. next:

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  3. vervezest-2009@yahoo.comNovember 15, 2009 8:39 PM

    How would any of you feel about being charged a SIX HUNDRED DOLLAR surcharge a year (added medical insurance costs) for not submitting your complete medical, mental, nutritional current and historical bio on-line? One of the medical related issues that torques me into a steel knot is this surcharge (that's what they're calling it this year) to the tune of an extra $50/month. If I, and everyone else in this situation, want some medical insurance and DO NOT complete and submit answers to FXXXXXX's Health Risk Assessment (HRA), we will be charged $600 this year, as in the last several years.

    As you pointed out above, Nance, this is a way to most likely collect medical, etc. information which may be used for screening for increasing premiums and more importantly, searching for pre-condition medical issues. And the “mucky-muck:- we-so-great - look-what we've done for you, employee” blooper really welds that steel knot:

    “XXX company rewards you for actively taking steps to learn about and improve your health. By completing some or all of the activities outlined below, you will have the opportunity to lower your health plan contributions by $23.08 per paycheck, approximately $600 per year.”

    Horse pucky.

    In my mind, this is coercion - unethical and should have been outlawed before it came into existence! Scum comes to mind.

    Not only do they ask if I have every possible known disease, have had the same, has anybody in the family had, WHEN and what were the results of any lab tests, blood tests, vaccines, diagnostic procedures, dental, vision, etc., but also, here are a few of the 135 questions (only 5 questions about nutrition and 2 questions about exercise):

    What have you been told about your blood pressure (BP) - high, moderately high, normal? Same for cholesterol.
    How many drinks do I have a day?
    Have I ever driven after having several drinks?
    Have I ever ridden with someone who had had several drinks?
    Has anyone told me that I drink too much? (It goes on)
    Have I ever used tobacco products - when, how much, how often, (it goes on)

    How often do I wear a seat belt?????????

    And the coup de grâce this year was a new one: Do I use protection (a condom) during sexual activity. Does ANYONE need to know that???

    I won't even go into the mental questions.

    Talk about a medical trauma - this is it.

    So no need to add that the premiums are higher each year - we know that's coming BUT less is offered for that increased premium. No HMO's offered this year for the first time; just those programs THEY want.

    Really folks, is it ethical for Corporate America, their medical affiliates, insurance management companies (and let’s thank WebMD) to be penalize citizens (yep, I said citizens) for not divulging personal information on the internet, no matter the so-called privacy policies – they share it. What happen to doctor/patient privileges? Privacy? And your integrity?

    HAS’s next. Caveat emptor.

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  4. vervezest-2009@yahoo.comNovember 15, 2009 10:02 PM

    HSA (Health Savings Account) A win for Chase, a lose/lose for the public.

    If you are considering an HSA in 2010 or have one, please drill down in the respective web site or call the HSA provider to determine what the interest yield is for you and the management fees of the HSA.

    The HSA concept is that the money you contribute to an HSA account is pre-taxed (a tax advantage). These funds can only be used for medical purposes, etc., (in my case also pay for LTC and insurance premiums). The balance rolls-over each year as opposed to FSA (flex-spending account). The following information is based on my calls that Chase provided. You must be a participant in a high deductible medical plan; mine is $2,500/yr.; the “privilege” to participate. The Chase account accrued interest (as of 5/12/09 and 7/29/09); the rate is 0.06, a paltry rate even in this market.

    I opted to enroll in an HSA in 2009 vs. FSA in previous years. If you have the funds, min. $2,000, you can open a HSA “investment account” and chose from a few funds Chase offers. Chase begins charging you an additional $2.50 monthly for the investment account along with the $3.00 monthly fee for the cash account, whether you have a balance in the cash account or not, maybe be subject to no longer being an employee of the company.

    If you lose your job and elect Cobra, etc., you can continue to contribute to the HSA BUT the account is now subject to a monthly $3.00 maintenance fee plus $.85 monthly fee for the paper statement. IF you opt to close the account, Chase charges $20.00 fee. If you are no longer enrolled in the high deductible medical plan, you cannot contribute to your account.

    Consider the pre-tax implications: Chase collects $3.85 monthly of the customer’s HSA pre-taxed dollars. So how does this work out for you tax-wise?

    Since I had withdrawn the money to close the account (Chase charges for the withdrawal at the ATM or in the bank), who knows if the money would be used for medical expenses? Question: Would the fees lower the amount of a person’s pre-tax contributions? Tax payer be aware. Can we then presume that people who close the account are taxed on the overall balance versus the amount reduced by all the fees Chase has charged? Tax payer beware. And if those funds are used for the original intent – medical expense, are they not still considered pre-taxed funds.

    Chase wins coming and going and the customer loses. I realize my own figures may sound petty to many people but how many others are slowly losing their hard earned pre-taxed money that could be used more wisely?

    I’ll not be in a HSA in 2010. There are many other financial avenues that earn more interest which may offset the tax consequences and pre-tax advantage.

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  5. I love being adored.

    Excellent, informative post - my goal someday.

    Also useful info in the comments.

    I'll be back.

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  6. Thank you, Jack! You're homefolks, I see, and doing some sustainable landscaping on your own blog. You're very welcome here.

    As to Doogies, I thought they got trained in a trailer on a back lot in Hollywood. My personal Friday 13th Doogie looked more like a really young James Franciscus than Dr. Howswer. An angel, bearing a caduceus.
    ML

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  7. I am sorry that you had a mishap, but glad that you are better. Unfortunately our favorite neighbors Bob and Neva had a bad one. As I think we may have shared Neva has ALS (or at least they think it is)and she fell at work on Fri-13 braking her foot. Now wheelchair bound and having the same style home as us they must put the house on the market and move. :( Plus I wanted to let you know that I have a great project for Bill while he is here. It involves math! I need to figure out the dimensions of the flower bed that I want so the people at Lowes can cut the boards, but it slopes so i need some fancy angles. :) Can't wait for you guys to get here!

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  8. As time permits, I'll be looking around. Patience please. As for the 'Doogies' yep, first year med students. I long ago came to peace with the idea that I teach people way smarter than I am.

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  9. Sorry you were down last Friday and it's good that you can make the best of it with a "hot" doc. It's always good to be able to find value even in the worse situations. Love your blog and will visit again - see you at Curves!

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