Medical Billing update

After spending another hour yesterday making calls to try to come to a conclusion over the 2x appointments and treatment I had for my leg wound back in August and early September. I’ve been applying the lessons learned, experience I’ve had resolving my billing for my heart attack, which i close to, but not yet finally resolved. Here are some tweets I sent after getting off the phone yesterday.

The Real Reason Hospitals Are So Expensive

So much about this rings true, especially this segment. In essence I said I had no insurance and would pay cash. Most, but not all of my bill was instantly discounted by 60%.

I’m at about $38,500 now including follow-up, by minus drugs. I still have to work out how to pay that.

@potus isn’t the only one projecting

I’ve always understood the term “projecting” but it has been fascinating to see the press and media trying to make sense of the Presidents sometimes incoherent and unrelated public tweets and statements.

The best explanation is he is “Projecting”. That is he’s told something, or concerned about something and immediately make some form of statement about it. In many cases these things become apparent days, weeks or months later. There are write-ups on this here, here, and here.

I got a surprise on July 30th, I had a heart attack. My left anterior descending artery was completely blocked. I’ll deal with what happened and how and some of the sports related stuff over on my triman livejournal blog.

I thought it was worth stating this here, because I’ve been writing and even boasting somewhat about my lack of healthcare insurance, because I’ve been otherwise super fit and healthy. Turns out it would be fair to say, just like the President, to some extent I’ve been “projecting“.

See my posts here, here and here. And this with some irony now I’m unemployed and have no health insurance.

In a number of following posts, I’ll trace my efforts and my frustrations with what is already a $78,400 list of charges. The hospital has already been great, but there are already a number of important lessons learned, thos are what I’ll try to cover. I’ll be linking the posts with the tag https://markcathcart.com/category/uninsured/

Doctors and Money

The NHS is funded(or should be) to take care of everyone to a level of minimum care. No one(in practice) should have to pay for any medical care.

One question that comes up regularly when discussing how to fix the healthcare system in the USA, is Doctors and Money. While Doctors are far from the only important people in a healthcare service, they are possibly the most visibly important.

It is often asked, or asserted, that if you had a single-payer healthcare system where Doctors were possibly salaried this would act as a disincentive, and over time you’d lose the best doctors to purely private practice. This belies the fact that experienced doctors in the British NHS can make additional money in private practise.

It also completely ignores the fact that while the NHS is a meets minimum, free at the source of treatment health service, there is a thriving private, and private insurance marketplace.

The NHS is funded(or should be) to take care of everyone to a level of minimum care. No one(in practice) should have to pay for any medical care.

However, these days the cost of drugs, the number of highly complex surgical procedures that are “standard” has grown beyond the normal funding of the NHS from say 20-years ago. Cancer care and the drugs for it now consume huge amounts of money, as does the treatment for obesity and the treatment of it, including heart disease.

If you are in a car crash, some form of violent attack, or other urgent care need, the NHS will supply an ambulance, emergency care, surgery, drugs, Dr’s, everything and you’ll never see anything related to billing or cost. Same for almost any minor health care problems, even many elective surgeries, and pregnancy, cancer care, pretty much any medical need.

Elective surgery does tend to get backed up, there are often long waits to see a specialist, as well as to get surgery. This depends though on the problem, the area of the country, and the time of year.

This time of the year the NHS is always stretched to and beyond its limit. It’s damp in the UK, older people tend to have been life long smokers and are very susceptible to respiratory illness. Both my parents died this way after a few weeks of gradually declining health as they were unable to recover from pneumonia. My Dads complicated by heart disease; my Mum a 7-year lung cancer survivor.

Both received 100% free NHS service, they were not rushed or hurried to move out of their hospital beds. The nursing and medical attention was top class. In fact, I’d go as far as to say  much better than here in the USA because there was never a discussion, question or insinuation that insurance might not cover something.

For those that a “meets minimum”, free healthcare service won’t do, you can always pay. Many companies offer private “top-up” insurance, which provides priority appointments, private hospital beds etc. And you can always elect to pay for the treatment you need need.

luton-news-sept-21st-1978I had two major hospital admissions, one on the NHS for a tib/fib fracture in 1978; the 2nd some 16-years later for corrective surgery. The 2nd I was working for IBM with top-up insurance. I saw the same specialist who’d saved my leg 16-years earlier. If I’d wanted to see him on the NHS, there was an 4-week wait; I saw him the next week at a local private hospital.

He recommended corrective surgery. On the NHS he would have done it in 4-6 weeks, depending on lots of things. I was able to schedule a specific day for 10-weeks out that better suited IBM’s schedule, private hospital, private staff, same consultant.

Fast forward to 2013. I’ve done over 100 triathlons and running races, including 6-Ironman races. Despite an initial prognosis in 1979 that I’d never run again. My knees are not so good. I wanted to see the same consultant, he is no longer practicing, wished me luck. I was recommended to the British Olympic Association’s Orthopedic Consultant. Chances of seeing him on the NHS, zero to very little.

I scheduled an appointment with him at Private hospital, flew to the UK, and he came in to see me especially. We spent the whole hour together, what I’d paid 450 UKP for. We discussed options, did measurements, x-rays, looked at different types of replacement knees etc.

He said that when I was ready for surgery to let him know, he would schedule me on his NHS roster and I could fly back. When discussing the same surgery here in the USA, he told me not to bother.

His experience had been that in the USA even dedicated specialist consultants didn’t have nearly the experience as NHS Specialist. In the USA they spend too much time consulting with patients and negotiating over billing. Patients in general take 3x as long to consult with in America because the options, cost and insurance options, and choices are so daunting and often when a preference is stated it has to be negotiated with insurance, co-pays, deductibles etc. all have to be understood by the Doctor and patient. The alternative is you get the Doctor, but little or no choice in replacement technology.

He has 2x 6-hour surgery days per week, they do 6-8 knee replacements per day; he spends 1-day NHS consulting, and 1-day private consulting and has 1-day open for Private surgery or additional consulting.. If he wants he can do private surgeries on Saturdays, vacation days or early mornings before NHS work. Average cost for NHS Surgery $0.

A US Specialist, according to him, does 6-10 operations per month, and my US research was cost around $30,000. In terms of knee replacements, the UK has much better insight, and much less medical device and insurance company influence on the type of replacement, they base their choices on OUTCOMES.

I’ll return to the discussion on healthcare systems shortly, but suffice to say, I’ll be going back to the UK when my time finally comes.

Government US style

It’s clear that many Americans view “Big government” as a bad thing, it seems though that they are OK with lots of branches of small government, that is ineffective, costly and open to misuse, and often technology challenged.

Given the size of the USA, any government is going to be a big government. With over nearly 320-million people, and almost the largest country in geography in the world, most people clearly are clueless about the scale and the challenges of delivering services in what was the worlds most advanced country. Listen to this 10-second clip from NPR’s Morning Edition today, a piece by Frank Morris of KCUR on the FBI and Apple privacy debate.

Seems to be a pretty widely held view. I heard it on the way back from going to trade-in my state of Texas Drivers License for a state of Colorado Drivers License. I had to drive some 12-miles to Longmont CO, wait in line outside for 30-mins until it opened at 8a.m.; go in and explain to a clerk/assistant/helper what I was there to do, exchange my drivers license and trade-in my state of Texas car plates and register my vehicle with the State of Colorado.

I was helpfully told that I was in the wrong office to register my vehicle, and asked for the relevant ID etc. in order  to get my license. I was given a number of told to wait. When I was called, I spoke with a clerk who was helpful and polite, I glanced over at the desks of the other clerks, you could see from the windows on the PC terminals that they were using dated text mode applications. Credit card processing had to be done by hand, typing numbers in. Questions had to be spoken in English and answered in English, there were no touchpad or tablet interactions. I had to say, outloud, with little privacy my social security number, and after checking my eye sight, and paying I was told to go and wait again.

After a short wait, I was shown a printed version of the questions I was asked, the information I had given, and ask to sign “wholly” within a box at the bottom. If the signature wasn’t entirely in the box it would “invalidate” the application as it couldn’t be scanned in. That done, I went through the take a picture exercise, was given my documents back and told the new license would show up in the mail in 7-10 days.

I left some 70-minutes after arriving. Not bad I guess.

Compare that though to many other Western countries, and many emerging economies, and you get a different picture. Change address in the UK? It’s done online and free. Pictures, signatures and details are held securely centrally.

In the clip above, it’s claimed that the government can’t run USPS, healthcare or anything else. Yet, despite being severely constrained in the services it offers, the US Postal Service is actually pretty dam good, reasonably efficient and pretty cheap. Anyone who thinks that private companies, like FedEx, or UPS and some magic form of new state regulated and/or run service would do better simply isn’t thinking about or is clueless when it comes to understand that scale problem, and the investment needed.

The US Government doesn’t run Healthcare, it never has. It it funds the medicare and medicaid programs. Yes, the US dept. of Veterans Affairs does run medical care and benefits for veterans, given the US has been in a constant state of war of one form or another since 1940, and given the physically size and scale, it is again a pretty decent operation. A good friend of mine, Lee, actually is looking forward to the veterans benefits and healthcare  for the rest of his life. Yes, the VA has its’ problems.

But still, most Americans seem to think it’s better to deal with things “locally” even if that does mean inefficiency, a mistake prone system, lack of privacy, time wasting, out of date technology, duplication, cost and more.

Meanwhile, later this week I’ll be heading to Boulder County to office to register my car; right before I start looking for State of Colorado healthcare market place, trying to resolve the naming error on my City waste management account; filling my taxes with the US Revenue Services and the property taxes with a county in Texas…. and yeah, most Americans have the least amount of vacation time, work the longest hours, and get fewest paid benefits, and things like paid maternity leave. So, no problem waiting online then?

Way to go Texas

I’ve been quiet recently for no other reason than I’m mid-move from Austin Texas to Louisville Colorado. I don’t think Texas will miss me, or care if I’m gone, but I can’t help but be glad to turn my back on the what must be some of the most vindictive, small minded, and regressive politicians I’ve ever come across.

11380987_867608403331615_1505800615_n[1]It kind of doesn’t matter where you stand on the abortion issue, I’m pro-choice. However, when you look at the time, effort, money and all the laws, regulations that Texas has pursued in their attempt to de-fund Planned Parenthood, it is nothing less than a scandal. Worse though are the indirect consequences, the way womens health has just become an acceptable casualty in the battle, little more than mere shrapnel.

While the Texas politico’s have gone after Planned Parenthood, what they’ve actually achieved is the large scale closing of family planning clinics around the state. Of the 82 clinics that have closed, only a third were Planned Parenthood. Those clinics didn’t perform abortions, they were not there just to encourage women to have sex outside of marriage, they provided obstetrical care, gynecological care, and Pap smears.

For those that remain open, there are often massive distances to travel, and long waits, less than a quarter of those that should be seen, are being seen for subsidized preventive health care treatment. That would barely meet the World Health Organization requirements for a third-world country. Welcome to Texas.

Wade Goodwyn has a good report on NPR on the state of affairs in Texas, from George W. Bush childhood home of Midland, far west Texas. The most depressing thing Goodwyn says in his report is:

Texas is becoming the model for other conservative states that would like to defund all family planning clinics associated with abortion providers.

http://www.npr.org/player/embed/464728393/464744500

Planned parenthood, arbortion et al

Rarely little more than a bunch of privileged white guys hectoring the President of Planned Parenthood. I watched some of it live, and read a number of reports afterwards, it seems to have achieved nothing, and garnered no new information.

This weeks Congressional hearing on Planned Parenthood was pretty sloppy. Rarely little more than a bunch of privileged old white guys hectoring the President of Planned Parenthood. I watched some of it live, and read a number of reports afterwards, it seems to have achieved nothing, and garnered no new information.

I just saw this clip from Late Night with Seth Myers has the best summary.