Most that know me from a decade or two ago will tell you that I am somewhat of a hypochondriac. I admit it…I was, to a degree – I don’t think I am anymore. Life changes, I matured…and now, going to the doctor is more of an annoyance – an interference of time, waiting rooms, and copays. But I am one that says, ‘hey, I’m going to have this checked out…just in case’. And in most cases I am in tune and it ends up being good thing that I went for a visit to my primary…who referred me to a specialist…who sent me to the lab to extract blood from my body…and took a quick x-ray just because to make sure. Quicker recovery, less loss of productivity at the office, right?!? Perhaps I should look this up, but a hypochondriac by my definition is one who searches for ailment, is convinced that every headache is a brain tumor and is the one responsible for my long wait in that waiting room. Haven’t you heard of WebMD, people?
That all changed this past Monday when my employer hosted the annual Benefits Open Enrollment Meeting. Only this year, it was scheduled for two hours…and oh, there was a raffle and free Band-Aid dispensers.
I remember the PPO days…when it was affordable. Easy and inexpensive to visit any doctor you wanted and at any time – what’s a referral? Then to cut costs – the HMO. A little bit more red-tape, however essentially a set-up similar to the PPO (come on doc, why can’t I just get a referral over the phone?). Now, today – the HRA…Health Reimbursement Account, “A Consumer Driven Health Plan, for you.” Another cost cutting savings move for the company, but this one already stings and the plan year hasn’t even started.
Basically, my employer gives me $750/year to spend as I choose on my healthcare. However I am responsible for the first $2500 in out-of-pocket expenses, my deductible. This is in addition to my $1100 portion of the total annual premium. Once that is met, there is an 80/20 co-insurance and then once maxed at some ungodly amount…the insurer covers the rest.
Trust me, I understand my employers expense – I see it on paper. They do pay a significant amount of my total premium and the truth of the matter is that times are in fact tough. Sure we’ve got answer to Wall Street and meet Shareholder expectations…but the frustrating part for me is that by being privy to a lot of projects and expenses (and some salaries), cutting into healthcare benefits – at this time – knowing what other dollars are being spent on – is certain to affect morale AND definitely employee pocketbooks. I just hope that they keep their ‘campaign promise’ rationale of “…so we can pay bonuses, give raises and deliver to our shareholders”. Oh yes, my favorite analogy was likening this type of plan to auto insurance; and, the selling points of being more aware of your healthcare and being able to choose, for yourself, what services you need and how much you pay for them. Ummmm, did I go to medical school?
Doctor: “You need an MRI, you may be bleeding internally.”
Me: “How much is it?”
Doctor: “$1999.99″
Me: “Well…ummmm…hmmm…I need to check my bank account.”
Doctor: “You don’t have time.” shouting outside the exam room, “Nurse! Bring me the Pennysaver, stat! Give Mr. Murillo the 10% off coupon from my ad!”
Me: “No thanks, Doc. Look here…I found a 20% promo code at couponcabin.com. I’ll pay online, with my credit card.”
Yes, a bit extreme…I’m not going to take those kind of risks – I speaking to the principle of the whole thing. I recognize that this is not a new type of coverage (apparently a majority of Americans are insured with this type of plan) and that I am being resistant to change, but this is going to be a deep dive into my pocketbook in 2010. I asked my doctor for a price list – he laughed. And I’m price shopping my prescriptions already. Canada seems cheap. Also, did you know that you can compare average healthcare costs by city within the county? Escondido is the least expensive I’ve found so far. Now I need spreadsheet to analyze the savings vs the cost of fuel to get there. So much to do.
This all leads me to my MD Frenzy. I, Mr. Health Care Consumer Driver…am taking a peek at my health and am preparing now. I am in FULL HYPOCHONDRIAC ARREST. Somebody get a crash cart. Here’s what’s going on since the news broke Monday afternoon…I’ve got some things to take care of before this policy ends on 12/31.
- 12/2 – Visit to PCP: Full labs, and not just blood if you know what I mean. Free samples of allergy meds – and a good discussion in general about my good health and future care under the new plan.
- 12/4 – Psychiatrist: Immediate goal – Both prescriptions with three refills to do mail order pharmacy before year end. Three months supply for only TWO COPAYS – win! Long-term goal – Quit care. This is the one where I will blow my ‘employer allowance’ before the end of Q2. Drugs alone are $175-$200/month and who knows how much a 15 min visit with him is.
- 12/18 – Vein Clinic: Have my varicose veins checked out, hopefully removed via injection
- 12/22 – Surgeon: Dr. Takada for a Lap Band fill and band check-up in general
PCP also mentioned making appointment with allergist – but I’m fine this week and will consider in the Fall of 2010, and pay. This is enough.
I DO consider myself extremely lucky. I have a great job and I have healthcare. Really, that’s the bottom line. I am hypersensitive to the situation and somewhat rebellious to this paradigm shift – that’s all, I will get over it. I think a majority of the frustration was the way my employer approached it and, ultimately me knowing several of the 2010 budgeted initiatives that took priority over the people. Some of those projects, in my opinion, could have waited. It’s the Team Members in the field that will be hit the hardest with this change. They are the ones ringing the registers everyday that keep us employed and these added expenses are going to be tough to swallow especially where coverage supports a family – and premiums are even more exorbitant and annual medical expenses are higher in general.
So here’s to good health in 2010! I guess the hypochondriac in me lives on because if I break my toe a fourth time, I will still go to the MD for an x-ray. Just in case. You know, I don’t want it to improperly heal. Besides, on the way home I get to pick up a box of popsicles – I’ll need the sticks.
Oh, I almost forgot…the raffle – I didn’t win.
Posted in Healthcare
Tags: Healthcare