The first three paragraphs are for those of you who are paying way to much for health care. The irony follows my preface...
So with the economic downturn, I've resumed some of my original responsibilities to my husband's business...in this case, shopping for competitive insurance benefits. It is a lot to sort through, but I am very interested in quality, affordable (what?) health care and so I trudged through. In the past two years, I spent $24,000 on a health care plan for Ruby, Alice and I (Chris is free, paid by company) that I maybe used 4 times (were were on a plan that didn't cover my doctor of choice, so we paid OUT OF POCKET for most office visits, and my kids didn't get their annual physicals), and only for simple office visits maybe $800 in lab work. I also used my every six months dentist exams and they may have paid a few dollars here or there for their portion of a super cheap generic prescription or two. I rely primarily on naturopathics, so we are talking really recent, like three months or so of thyroid meds.
Anyway, my investigation led me to an extra $700 a month and a plan that will cover my preferred doctor for 6 office visits a year (per person) without meeting the deductible for a $30 co-pay. I stayed on the company dental plan, which went DOWN in cost, I went vision free, as both Chris and I have 20/2o vision and the insurance guy said that with affordable eye care at Costco and Walmart, vision insurance usually isn't worth the money for the average vision needs. I also went prescription free since I literally fill maybe one prescription every two years total for my whole family (until my recent thyroid thing which only costs $15 out of pocket), and they are almost always generic and you can get generic drugs at Walmart for $5, right?
So...we are now on a "catastrophic plan" that covers 6 office visits and pregnancy (after I meet the deductible of $1,000 it is covered at 70% with a max. out of pocket of $5,000--but remember, it only costs me $4,300 to have a baby (assuming all goes as planned, and of course that is a big "if", hence our need for insurance that covers pregnancy complications) because I am planning a home birth with a midwife.
So in the past two years, outside of my recent thyroid journey, I have seen a doctor probably twice for annual exams. So I go on the above explained "catastrophic insurance plan" on August 1st, and on August 26th, I am on vacation with the most severe pain in my inner and outer ear, that I can't chew food, hear or touch my left ear. BAD, BAD PAIN. So I go to the doctor. I was a mess. I had been dealing with it on my own for five days and I wanted relief. The doctor said she's never seen an adult ear so angry. I had an inner ear infection that wound up rupturing (which actually felt good) along with swimmer's ear (outer ear infection), a horrible head cold and chest congestion with a pesky cough that has gotten worst by the day. I wasted no time taking the only thing they could give me due to my pregnant state...amoxicillin. I kind of bent the rules and took two doses in 8 hours instead of 2 doses in 12 hours. After three days or so, my ear was noticeably on the mend.
So I have been coughing non-stop for about three days now. I can't sleep and I have a headache from the noise. At night, I can't ignore the high pitched wheezing coming from inside of my chest WHILE MY MOUTH IS CLOSED, it keeps me awake...I have dreams of children shrieking by my bedside, but it is only me...breathing.
I went to Rite Aid tonight and sat on the floor of their cough medicine section for 45 minutes while friends were googling active ingredients to tell me if I could or could not take the medicines in question. Literally, the store manager was called when I asked the clerk if I could leave my purchases at the register and use their bathroom. I was escorted to the bathroom, she unlocked it and waited. Whew...no huffing or downing a bottle Robitussin in the stall for me!
Thankfully, Sommer called her OB/GYN dad and got the for sure green light for Tussin DM, which is alcohol free and safe for pregnancy.
The irony? Well, I think I'm going to see the doctor this morning to make sure I don't have pneumonia or something. I hugged a friend tonight and she said I felt hot, and I did feel fevery...and I've been coughing almost two weeks now, and it is getting worse...so I think it's time to see the doctor to be sure nothing more is developing. I think the antibiotic might be hindering some potential symptoms, so it's hard to say really how I am feeling, and I think I should be sure I don't ignore the cough too long.
AND, I have an appointment on Tuesday with my preferred doctor to re-establish myself as a patient, as I haven't seen her for myself (only paid for the kids out of pocket while we were on that plan that didn't cover her, of course I neglected myself) for two years.
So...in my first 40 days on my "catastrophic plan" I will see the doctor THREE TIMES. Ironic, see?