Richard in NY said...
I'm luck enough to have Blue Cross/Blue Shield under the federal employee program, so my annual scoping is fully covered. One thing I learned when my insurance wasn't that good was that it is much cheaper to have it done at your doctors office than to do it outpatient at a hospital.
The payroll deduction for our insurance is going up in January and it's not cheap now. The other way they get us is that we don't have a copay for medications we get at the local pharmacy, we have coinsurance, so we pay a percentage of the cost, which is often way higher. Mail order is still copay, but the copay is high - $80 for a month's supply of a brand name drug.
I don't have a choice where to do my scopes, they are done outpatient at the hospital, Mayo Clinic. I will certainly talk about
not having anesthesia. I didn't realize there was a choice. I remember once a long time ago a GP tried to perform a flex sig on me and didn't use any air and couldn't get around the first turn -- OUCH! I always found it fascinating when I would be awake during the colonoscopy procedure watching and seeing my colon. Weird, eh? I guess that comes from thinking about
it all the time, this love/hate relationship with that part of my body.
I figure next year I will be paying, between premium and deductibles and 40% copays to max out of pocket of $5,250, around $12,666. I can't imagine what will happen in the future. That's almost as scary as the disease. Between blood work twice a year, seeing the gastro 3 times a year, my gastro and depression meds, yearly mammogram, seeing my shrink for meds, I use a lot of healthcare for a pretty healthy woman. And this summer, I fell and broke my wrist. That was nearly $32,000 (which my insurance paid like $23,000 and I paid $10) and three months of lost income.
Okay, enough of this pity party!!!!