And today was the pre-exam for the best 50-year present of all…the colonoscopy. Great doc…explained the procedure, the pros and cons of sedation vs. anasthetic. I was satisfied and good to go. Set up my appointment and then was sent to the “window”. This is the accounting window, where the accountant advises you of what is and isn’t covered for this procedure in your health care plan. I’m a self-employed, hard working, butt-kicking small business owner and as such have to settle for a pretty bare bones, high deductible plan. But imagine how my colon reacted when the accountant told me I’d have a $500 (FIVE HUNDRED dollar) co-pay on top of the 40% I have to pay for the procedure. We are talking $900-$1000 for the privilege of having a tiny camera travel where the sun don’t shine.
Here’s the deal. I don’t have a cool $1000 sitting around in this economy just waiting to be spent on those inner reaches. Thankfully I was able to pull myself up off the floor and get myself out to the car without the aid of a walker, wheelchair or attendants. I’m pretty sure I didn’t have a stroke. But if I HAD a stroke, I’d be paying about $7500 out of pocket for my first 4 days in the hospital.
And I thought today was going to be a better day? Hahaha. Crikeys, people. Who can afford health care the way it is? Only those with secure jobs in medium size businesses. How many of YOU does that make? I’m not sure if I’m more on the side of livid or more on the side of just plain stunned. We don’t just need health care reform, but there are a heck of a lot of 50-year olds who aren’t going to be having pre-cancerous pollops identified this year with the current insurance programs in place. Maybe I would have to wait a year in Canada to have my colonoscopy…but I sure wouldn’t be paying $1K for that kick in the butt.