
Firstly I have to apologize to my readers... I just have not had the time to sit down and blog or post my drafts. You can expect a few entries in the next few days that said a few thoughts on health care in America and secondly in DC.
A few days ago I had some Thai food and later that evening some good old pub food. Nothing out of the ordinary same routine every single Thursday. I woke up early Friday feeling sick to my stomach, it was not because I had over indulged but rather because I had eaten something that did not settle well with me. This has happened once or twice so I thought what the hell, take a day on Friday and just stick it out over the weekend. Usually I am only nauseous for a day or two and it passes and that is assuming I am feeling sick in the first place.
Well come Sunday, I am starving and feeling like holy hell. My boss desperately needed me in the office Monday so I did what I could to make it in. Through out the morning on Monday I spent time calling all the physicians listed by Carefirst my provider. I did not realize that my health care was limited to so few doctors and all the doctors I called were not taking new patients until mid February. I was told to go to the ER and deal with triage like every other sick person with an HMO plan. The catch with my plan is I was told I could see any Doctor I wanted to... This is true to a point, firstly any doctor within the limited scope of HMO providers and secondly one that wants to take on new patients.
Feeling like I was making no progress my next step was to contact my HR person and ask to see if there was anyway I could change my medical aid to PPO right away or effective next pay period. The answer was no, not until next quarter which is not until March. Fortunately for me I am one of those individuals who opted for a health savings plan and a flexible spending account, so I started calling all the private practices in the area telling them I was willing to pay cash for the entire visit, no need for insurance. I found a place, spent an hour with an IV in my arm for dehydration and got two scripts to cure my ailment.
I was really appauled at the way the health system works in DC and especially with regards to Carefirst and their HMO nonsense. When I lived in New Jersey my health insurance was a combination of two providers, Consolidate Health and Bupa international. We will only talk about the first one as the second is really beyond anything America could offer and is based in the United Kingdom.
Consolidated health had no co-pays, no out of pocket expenses, access to any and all doctors in the NJ, NY, CT tristate area and paid for my prescriptions. I did not even have to get generic drugs. This was ideal for me, if I had a problem I went to the doctor knowing that even if I had no cash it was ok. The only time I paid was for my premium and my first visit with my Doctor of choice. The reason I paid my doctor is because there was a preffered patients club, which allows you to come in any day of the week without an appointment, helpful when you have a busy schedule and can not wait.
Given the fact that I pay a little more here than I did in New Jersey for my insurance, what the hell is going on? I mean really.. what kind of a doctor does not take new patients based on your insurance? All of a sudden I understand the meaning of the "Hippocratic Oath" and its similarity to the word hypocrite.
A little word of advice if you do not have a primary care physician and you have a HMO, get one now before you get sick.
Personally even though I do not get sick too often, I am getting a PPO plan as soon as possible... I like the ability to pick and choose who gets to treat me for my illnesses.
Look at it this way, when you buy your dinner no one tells you what to get, when you get your beers no one tells you what to drink, so why then should the company I pay to take care of me, choose who can give me open heart surgery if I need it?




