Thursday, December 08, 2005

Can't even check my PISDucts because of PISD

So the doc wants me to have a CT scan to check on the status of all the inner kidney workings. I tell him, fine if it doesn't cost too much. CT place calls me and says that all I need to do is pay the rest of my deductible, which at this point is about 300. I think it's not too shabby, so I go ahead and schedule. Then a thought occurs to me that perhaps I shouldn't trust this woman, so I call my insurance. BINGO! I have to pay the deductible AND 20% of the remaining balance. I DON'T THINK SO! So I cancelled. The woman at the CT place actually said, "I am so sorry. I wish that there was something that we could do. People have to cancel all the time, and it kills me that they put their health on hold because of insurance."

While I've got her on the phone, I check about a well woman exam. The exam is not covered, but the pap smear and mammogram are...huh? Anyway, I tell her that I can't have a mammogram because my breasts are too dense (I'm serious. Mom has the same prob. We're small but perky). They always have to give me an ultrasound. She says, "Oh, then that's not covered. Only the mammogram is." I said, "So I'm being discriminated against because I have dense breasts? I can't have the mammogram. The ultrasound should be a substitute." She said that they will only pay for the mammogram because the "ultrasound has a different code." Ok, is it just me, or does that answer not seem even remotely logical? I mean, I know that in the innerworkings of the insurance world, it is logical, but just read the sentence as it stands, and tell me if it even makes sense? If they had said, "We can't pay for an ultrasound because it is more expensive and we're cheap bastards," I would've thought that it was a logical answer, but a different code? So change the fucking code to a payable one then.

I have to get the thing done, though, because I've got another tumor, and I've waited a year to have it looked at because I'm still paying an $8,000 bill for the last tumor I had removed. They weren't cancerous, but the doc wanted to remove them just in case. I worry, too, that i'm going to have to pay the whole thing anyway because they'll claim pre-existing just like they did the time before when I got stuck with 8k. Fucking system.

Well, off to tell 11 of my students that they plagiarized (calculated wrong yesterday, Glinda. The other 5 were some of my high schoolers). Wish me luck!

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