Category: Health


Today my wife had to have outpatient surgery so we arrived at 11:00 o’clock as instructed.  She does have health insurance through her employer and has $500 remaining on her deductible and the hospital had told her on the phone this would need to be paid at registration!!  Now I thought this was crap as even thought she has a deductible and the money was owed we were basically paying for a service that had not been rendered and what if we were not satisfied!!

So in order to let her go ahead and have the procedure and get it over with we put it on the credit card and trust me the service we were provided at the beginning of the day was less than stellar. By the time they had us running from one end of the hospital to the other the surgery was 2 hours late!!  It was obvious if one knew what the other was doing all of this would have occurred on time.  And another thing about having to pay this $500 dollars today is the fact that we have insurance and “work” which is made known to the provider. Rest assured if an illegal walked through the door or somebody with no money I bet they would get treatment and not hassled over $500 as soon as you walk through the door!!

I have never been an advocate of government-run healthcare but because of what I describe above it will most certainly happen.  The illegals and the poor are getting healthcare whether they can pay or not and the folks like us that have insurance are paying out of our pocket or through higher insurance premiums.   So I say go ahead and give these people their healthcare and charge me one premium so every time I go the doctor or hospital I don’t have to pre-pay for services and then be disappointed in the result!

 

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I have mentioned before about the healthcare bill just passed by Congress and the little “tid bits” we would find out about later on that would not make our healthcare cheaper in the long run for most of us and wanted to share what I have recently found out.  The insurance rep for my wife’s employer has told her about several changes that will affect the working person. 1) Any money that remains in your Flexible Spending Account cannot be used for over the counter medications.  I know at the end of the year if there is money remaining in the account and instead if losing it we would go spend it on over the counter meds to keep this from happening.  2) The second issue has to do with Health Savings Accounts (HSA). In this type of account money is placed in before taxes are taken from your pay check this helps reduce your tax burden just like a 401k.  According to the new requirements any amount contributed over $2,500.00 to the HSA cannot be deducted from taxes!!  Apparently these new requirements are a result of the healthcare bill that was passed by Congress and signed by the President.

I have stated previously these are things we will find out about in increments that will cost us all more money because all this has to be paid for some how.  And by the time we figure out about all the “incremental changes” that cost us more money it will be too late to change.  This is why I say to pay attention to the people you vote for because they usually tell you what they are going to do!!

I have not been able to post for the past few days for the reasons listed in the title of my post.  I had a small place appear on my face and before I went on vacation I had a biopsy and while on vacation I get a call from the dermatologist office that I have skin cancer and need to have Mohs surgery.  I received the paperwork in the mail explaining how this is done and also did research on my own.  The doctor removes a layer of skin and has it biopsied while you wait, if it is clear then you are stitched up and sent home. If not, then another layer of skin is taken and another biopsy performed and this is repeated until the cancer is removed.

Thankfully, for me it only took one procedure and the biopsy was negative so I was stitched up and sent home.  Even though this was very minor and caught early it is sinking in that I had cancer!!  Just makes me pause as I have stated previously that our lives can change in a moment and when it does everything we have known can be completely turned upside down.  None of us are prepared for that, but the only way I can have a peace about it is to trust the God in heaven to help me through.  Whenever the time comes for my world to be turned upside I do hope I rely on God to give me the strength to endure it.