Health Care in the Land of the Free
I keep hearing how what us South Enders want fom our health care is more choices. Me and the mizzus, both past Medicare age now, started shopping for supplemental insurance. If we wanted choices, whoo-ee, we got em!! Well , not so much in different companies offering competitive prices so much as the two companies offering plans with plenty of their choices.
Maybe you want Plan X, pays 80% of Medicare A’s deductible, 100% of Med B’s. For $50 more a month you can get 100% pay on A & B. Want to save $$$’s, go for Plan D, you pay $3200 out of pocket before D kicks in, maxes out at $50K or Death, why they call it Plan D, you will opt for death before bankruptcy. Plan Z you can get some nursing home care, but not on Plan Y. Out of country coverage? Some yes, some no. Want co-pay or Medicare D, check out plan C? Need dental or glasses, Plans X and G and maybe N, but see if it covers contacts, bifocals or Lasix.
The list goes on. And on. And on some more. If you got a month or so, download the prosepectus of 43 pages or so per plan. Price per month is pretty prominent, you won’t need bifocals, but try to compare those prices with the juggling options, you’ll need something for your vertigo, check if it’s covered on your Medicare D, the pharmaceutical part. And if you’re not like ma and me, you’re searching for the equivalent of Medicares A and B in those health plans, god help you.
Call me cynical but if I didn’t know better with all this accumulated Wisdom old age is supposed to accrue along with arthritis and prostate problems, I’d say the health care industry makes this purposely obfuscated, a labyrinth of impossible to calculate connections between the fees and options, throw the dice, pay the price, take two aspirin, hope you make it til morning….
So … do I want more options? I don’t know. It seems like that stupid beer ad for the most popular beer in America: More Taste, Less Filling. It doesn’t have any taste whatsoever and it’s less filling because it’s mostly water. Still costs plenty, that’s for sure. Health care: more options, less expensive? We’re all being sold a bottle of snake oil, just 25 different labels on the same bottle. Glad we got those choices, though! Well, maybe if you’re wealthy….
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Tags: health care labyrinth, medicare plans, medigap
“maybe if you’re wealthy….”
I don’t ever recall hearing a wealthy person comment on a lack of healthcare coverage. But maybe all of their discretionary talking is allotted for complaints about taxes.