MEDICINE
IS A WONDERFUL INVENTION, IF YOU CAN AFFORD IT
(New
Choice Health, Pacific Source, Wall Street Journal)
(Angies
List, Jackie Norris, New York Times)
(Heartsite.com,
Frazer Chronicle)
I
took a stress test yesterday, and the test really stressed me, I may be kicking
the tires on 70 years of age, but gee, come on, I couldn’t even do the
treadmill part, they had to shoot me up with some sort of chemical cocktail
that mimicked me working out…..to my heart. Let me tell you, if you take a
stress test, try your damndest to do the treadmill, that chemical mix gives off
feelings like your having a heart attack for about a minute or so…..worst
minute or so I’ve experienced in quite some time.
You
can’t eat after midnight, no coffee…..water only, and I love my morning
brew…..coffee is my friend, but not the morning of the stress test, so right
away I’m irritable, and a bit gnarly, wanting that coffee. But the no coffee
thing was by far the easiest part of my morning.
I
read all the directions that my doctor had given me, I followed all the do not take these medications because
deal, and like I said (I didn’t have my morning brew), but when I get to the
hospital, I’m sittin’, and my stomach’s growlin’ and then this guy starts
telling me about his triple digit blood pressure, and how he drinks two pots of coffee a day, and all I
want to do is get this day over with…..and it’s only 8:45 A.M.
Thankfully
this guy comes for me, we go back to this room and he injects me with some kind
of nuclear mixer that’ll show up in an x-ray…..and then he sends me back to the
waiting room. Luckily the guy with the race-car blood pressure is gone…..and
it’s just fifteen or so minutes later and I’m down the hall to this x-ray room
and one of the most uncomfortable 20 minutes of my life.
This
guy slaps my butt onto this rock-hard x-ray table where I must lay completely
still, with my arms above my head while this machine takes pictures of my upper
torso. It was the longest 20 minutes of my life…..but I made it, even though I
had several back spasms.
I
next was escorted to the treadmill room where who should I see…..Mr. triple
digit blood pressure, two pots of coffee in the morning guy. I lucked out
because before he could say a word to me, he was taken around the corner and hopefully
shot. I shouldn’t say that, cause he really did seem like an okay guy…..kinda!
The
nurse made me take off my “T” shirt, a Traverse City, Michigan Beach Bum’s
baseball shirt, shaved five or six parts of my chest and attached some
electrode type holders, sat me in a chair, hooked me up to a machine, took my
blood pressure, (124 over 84) injected me with the heart attacking causing
chemical mix…..and, as they say…..the
rest is history.
After
another 20 minute round of x-rays on the dreaded table of torture, I was done,
and with a reassuring message from the guy, (Gary) “no news is good news.” I
peddled around the house waiting for the doctors call that…..never came, does
that mean that I’m in the clear…..only time will tell, but I feel good about the
no call thing.
WHAT
DID MY HALF DAY IN THE HOSPITAL COST
That
my friends is the $64,000
question, my wife and I have a decent health plan, the prescribed payment
schedules are listed in our policy as well as on our health care cards. However
for me that really isn’t good enough…..I want an itemized list of what the
charges are.
My
cost for the stress test through my insurance plan…..out of my pocket is $75, I
suppose you could call that (my deductable,) seems pretty liberal to me, since
the procedure, here in Green Bay costs anywhere from $950 to $2800. I’m sure
that my insurance company has a bargaining agreement with the hospital that my
doctor chose. How it happens makes no difference to me, as long as the
job gets done.
However
I can attest to this, I spent four hours at getting my procedure done, and it
involved maybe one hour of medical staff assistance, the rest of the time I was
on some sort of medical machine manufactured by Sieman Technologies, I looked
them up, their really big,
the preeminent leader in the industry.
What
my procedure was, was two basic MRI’s, minimal in size, but non-the-less MRI’s,
and I can only guess at their cost, since a full-blown MRI can cost, on
average $1,200 here in the United States. Of course there were the two
injections, getting hooked up to a scanner that measured my pulse and my blood
pressure, oh yeah; I did get my chest shaved in several spots.
With
all the hub-bub going on
about Affordable Care, and Obama-Care…..are they the same, and wasn’t there
something passed a year or two ago that was supposed to take care of this
issue.. I swear I simply can’t keep these issues straight in my head.
WHAT’S
YOUR FAVORITE MEDICAL PROCEDURE
For
me it’s the Colonoscopy, the test itself is an in and out deal, you
sleep through the whole thing, and there are some fine looking nurses to look
at you after your in the recovery room. Of course the fluid you drink the night
before is the pits…..but the actual procedure is smooth.
However
the cost…..wow, for me, two years ago, $1350 on my wife’s health insurance from
the city of Green Bay. My wife used to work for Risk Management for the city,
and she figured that there were upwards of 1000 employees and covered
beneficiaries that were eligible for the procedure, that would, in effect break
the city’s self insured program. That was several years ago, and my wife
switched departments, so I never did hear whether Green Bay’s medical program
is busted or not.
From
the little research that I’ve done on this issue, (the costs of medical
procedures) the United States seems to be high on their charges, really
high…..like REALLY HIGH! An
Angiogram, (blood vessel x-ray) in the U.S. $914, in Canada, $35, a Colonoscopy
in the U.S. $1185, in Switzerland, $655, a hip replacement, $40,364 here,
in Spain, $7731, (kind of like Spain
takes the pain) away, Lipitor in the U.S., $124, in New Zealand, $6 bucks and
than that old MRI in the United States, $1121, and in the Netherlands, $319.
Now
somebody out there is gonna talk about “yeah, maybe the prices are cheaper, but
how long does it take a person to get the tests” or the really, really big lie, “maybe it’s cheaper, but how competent is the test.” You know what,
that would be right, but I’ll tell you this…..for many, many Americans (me
included,) we’d like to find out how long the procedures do take, and how competent
are the doctors in these foreign countries, and how really good are these
medical plans, and how much do they cost…..I’ll bet a band-aid won’t cost $50
or $75 dollars either.
HOW
MUCH IS THAT DOGGY IN THE WINDOW
People
talk about Affordable Care and how it’ll cost billions, trillions, or
kazillions, or bazillions, I can’t keep the figures straight in my head. I do
know this, for every person out there that is uninsured (medically speaking) it’s
a scary situation…..especially if they have kids. I can remember a time in my
life when my family was uninsured, and I’d worry about sickness or injury not
so much for me, but for my wife and kids.
Now
I gotta warn you, what’s next is a bit technical, and a bit complicated,
however, using my formula of simple, I think you-all will understand the
statistics of the facts. This part has to do with medical providers, and how
they pile-on as it where,
like in football when a runner is hard to bring down. These practices are wide
spread, and happen throughout the medical care industry.
Upcoding is
usually identified with Medicare fraud, where health care providers bill for
higher CTP (current
procedural terminology). This system was developed by the AMA (American Medical Association) and is used to describe
medical services and procedures.
Phantom procedures, submitting
claims for procedures that were never actually conducted, and is a common method
used by physicians to obtain unearned compensation so that they can buy that
new SUV or take the wife and kids on that Jamaican holiday or get the
girl-friend a new fur coat.
Exaggerated claims are
used by medical professionals where they exaggerate medical care, or upcoding, just another scam to inflate
the bill that is sent to Medicare. Of course there’s the old Unnecessary Services or Unbundling, and a real zinger, Double Billing. What each of these
practices do is a way to fool
either the Federal Government, or a patient’s insurance company.
I’m
sure it’s a constant battle out there in the war between health care providers,
the Federal Government, and the insurance companies. We seldom hear about it,
or miss a story on page five of your local newspaper.
There
are common practices within the medical provider, and either the fed or the
insurance company that experts say is ‘way too complicated’ to explain, however
using my formula of simple, I feel confident that you’ll have absolutely no
trouble understand my explanation, and grasping and embracing my formula.
When you walk into your
doctor’s office, and either a cute little blond with some heavy cleavage, or that
“all business type” greet you, they don’t see an incoming patient, there’s a “ding, ding, ding” that goes off
in their head. The very first thing that they check is your ability to make
payment on the upcoming medical event. They are interested in the
financial numbers that can be billed to which-ever health care plan that you
have, oh yeah, you’ll need to pay that deductable right now.
Don’t have a health plan…..no
problem, just belly up to the pay window…..cause we except cash in any denomination, and from several different
countries. However writing a check will take several minutes cause we gotta
check the balance in your account, “go ahead and have a seat, we’ll call ya
when were done.”
It’s
a brave new world out there
in the health care industry, the competition is brutal, and the practices can
cut the guts right out of a family in need. I had my stress test, sadly I’m not
due for another Colonoscopy for another couple of years…..and by then who knows
what it’ll cost?
HAVE
A NICE DAY!