Showing posts with label insurance. Show all posts
Showing posts with label insurance. Show all posts

Wednesday, September 02, 2009

Medical History

In 2004, as I sat on a gurney in a paper dress at Robert Wood Johnson University Hospital in New Brunswick, New Jersey, the handsomest surgeon in the state of New Jersey explained to me that I was a "ticking time bomb" and, in rather short order (two weeks), he performed what's known in the business as a "CABG" (pronounced "cabbage"), which is to say I had quadruple coronary-artery bypass grafts. I have lovely scars all over my upper torso and left arm to prove it, including the infamous "zipper" running down my chest, over my rib-cage.

In 2005 I was (again) told that I was a "ticking time bomb" and I had what's known in the business as "bi-lateral endarterectomies", which is to say they sliced open the sides of my neck, pulled out portions of the arteries feeding the brain, sliced them open and squeezed out the congealed cholesterol in both of them. I have lovely, matching 2" long scars on either side of my neck as souvenirs of that one.

In early 2006 I was diagnosed with Type II Diabetes. Type II Diabetes, it turns out, is not a disease, it is a big-business. There is a cure for Type II Diabetes which Big Pharma does not want you to take. It's called "Gastric Bypass Surgery" and I had it in early August of 2008. I lost 65 pounds and the diabetes (and the co-pays for Glucophage and Test Strips and a lot of other hooey and hokum which is totally unnecessary and is probably killing more people than it helps). That particular surgery, laporascopically done, left a bunch of little scars all over my belly.

Then, a week or two or three ago, I was told I have prostate cancer.

God only knows what sort of scars I'll come out of this with . But I do know this:

Despite the "big-business" aspect of all my hospitalizations and assorted medical effluvia, I thank God that I had pretty good insurance which covered pretty much everything.

Today, I am the Six Million Dollar Man (for those of you old enough to remember the non-Stone Cold Steve Austin) -- in more ways than one.

Friday, February 22, 2008

Usual & Customary

I have a headache like you wouldn't believe. I spent the better part of 2 hours today on the phone with my insurance company, trying to find out if I could get the foremost expert on gastric bypass surgery in New Jersey to perform mine.

Short answer? Only if I'm rich enough not to need insurance. The doctor in question doesn't take insurance (except Medicare). My insurance company, to go out of network, I would have to cough up a) $750.00 deductible PLUS 20% PLUS whatever the bill ran above the "Usual and Customary" fees for the area I live in.

The top surgeon charges $12,500.00 for a Rouen en Y bypass (that's the biggie, the lap-band is only $7,500.), so you can see that it would wind up costing me a personal bundle to get this done by the best guy around.

The nice lady at the insurance company tried to help me find someone else, but all she could come up with were a bunch of doctors in northern Jersey, across the river from New York City.

Eventually, though, I found a website that listed pretty much all of the surgeons in New Jersey who do this. There's even one who heads up a department for this at a major hospital near where I live. I could go with him, but to be honest he doesn't seem to have as much experience as the other guy.

Owell. Now I get to decide.

I think I'll think it over for awhile.

p.s. It snowed like hell this morning and our offices are closing at 3:30 today (45 minutes from now). It's time to look busy before I go catch a bus.