Officially Old

As of the first of the Month, I am now "old". That is old as I used to view it.
I received my Medicare Card. Hoorah!

My spouse and I didn't believe we would see this day. We figured Social Security would be gone by the time we hit this age. OK. We didn't really care we were helping to pay for our parents and for a short time for a grandparent or two.


But here we are.
The feeling is of freedom.

The painful forms I was expecting at the Doctor's office didn't appear. But this time I could talk to him about drug choices without worrying about the employee drug plan telling us I could not get the drug that is better unless I paid for it myself as well as their premiums. This time I could pay my part of the visit right then instead of waiting for the insurance company to drag it out and negotiate "for me". (and by the way my part is cheaper under Medicare) I feel better about that I hated for him to give me and the insurance company interest free loans every time I saw him. Yes I still have a deductible but it is not $2500 per person. Yes we are having premiums withheld from SS but nothing like what we were paying even through the company plans. The drug plan, that could tell me I had to use a step program as the drug I had taken for 2 or 3 years was not on this company's formulary; the drug plan, that got a better deal a little later so informed the spouse that they recommended that he go on the drug I was on in the first place, is gone.

Sometimes they made me feel as though I just wasn't trying hard enough to take care of myself. Well, of course, I can do better but most of the time I work hard at it.

Now as I pick my own Part D plan, not that hard. I can hunt and find one that will allow my Dr. to have more say so at the same time hunt for the best cost plan. A plan that will not just decide to turn him down really before he submits their paperwork with his reasons for giving me the non-generic form. He is the MD after all. He has lots of education and experience. I looked long and hard for good physician and paid extra high insurance premiums to see him. We can discuss cost vs. "return". I can take the one that he believes is better for me with my family background and my already somewhat blocked carotid artery

Premiums will definitely go up but the ability for my Doctor and I to work to find the best drug for my brain's sake is worth it. And since he is very familiar with Medicare he will know how to work with them too.

Now if I had my way for everyone in this U.S. of A. I would love to see somebody go back after the Drug Manufacturers. You remember those discussions about how they pay so much in R&D, NOT! (It is advertising. I wish they couldn't advertise on TV. Oops free speech?) And if I had my way, everyone would have health care as provided by good physicians and hospitals. And drugs would be reasonable. But I don't get my way and maybe this latest version of health care, "insurance", is it for now. It is better than no regulation. It will, I hope, keep the insurance companies from kicking us out for some piece of childhood information we forgot to put down on some form. Or some other so-called "pre-existing" condition. It will, I hope, keep the companies from raising our premiums by any amount they like anytime the like.

And Don't kid yourself that wonderful caring-about-us-old-folks-and-our-Medicare, which was in the main passed by Democrats, Republican party will do away with Medicare when it can. Or maybe the plan is just let it run out of money and it will be gone.

At least for now I am on that terrible government run, socialist, insurance and glad of it. So now I guess I am a cannibal eating my children and my grandchildren.

To Frank Rich August 16

Frank Rich wrote a very interesting column in the NY Times. http://www.nytimes.com/2009/08/16/opinion/16rich.html
Here is a quotation from it.

It’s through this prism we might re-examine the raucous town hall eruptions this month. Even if they are inflated by activist organizations and cable-TV overexposure, they still cannot be dismissed entirely as made-for-media phenomena made-to-measure to fill the August news vacuum. Nor are they necessarily about health care. The twisted distortions about “death panels” and federal conspiracies “to pull the plug on grandma” are just too unhinged from the reality of any actual legislation. These bogus fears are psychological proxies for bigger traumas.

The column was about Mad Men, the 60's and 2009. I was too late to post a comment on the column so I post my thoughts here.

Wrong on bogus fears.
Yet right on bogus fears.

My husband and I sent links to a very funny blog, answers to health care questions, to many people we know. It was an extremely funny blog post. It was sarcastic irony at its best.
To our surprise, though why we were surprised I do not know, several people took it seriously. What has been and is wrong with our educational system? Or is it as a friend reminded me. “Just remember the average IQ is 100. Therefore about half the people are below the average.” (He was being sarcastic)

Many people do believe the “bogus fears” about pulling the plug on grandma and some government panel deciding who can have treatments for ailments. They already live with insurance companies doing some of this so the fear of government doing it is easy to accept. Grandma is told that she is sapping the younger generation, “your kids or grandkids”, by taking Social Security and Medicare. By the way, Grandma probably paid into the system for years and is helping support those "kids and grandkids". So Grandma may believe it is possible that some may well want to pull the plug. (Why is it Grandma and not Grandpa we talk about in this context?)

We have lived as if addicted to consumerism. Many of us who could afford it have not paid attention to our own health and expect a drug to “take care” of any problem that arises from it. More consumerism because of the constant barrage of drug ads. We are told over and over that our educational system is failing. Yet, there are no real answers forthcoming and most of us don't take time to demand real answers. And the kids in school hear that their schools are no good-so why stay in the system. We talk about our kids as products-consumerism mentality. Some of us buy things to learn how we too can be among the wealthy classes. We frantically purchase anything and everything. We now see programming on how to save money, yet keep spending, by purchasing things we don't need at discount stores or flea markets. We purchase goods from many of these discount stores that are made in China to undercut our own economy. At the same time we are told saving and investing is great, but then told by saving now we hurt the economy.

Yes, there are so many anxieties. Many of us are watching as the economy is in a mess. We fear, maybe it is a fear well-grounded in reality, the government is not paying attention to “we the people”. There is no government watching or regulating much of anything. It seems corporations and various industry coalitions have purchased control. Is anyone going to really do anything about “too big too fail”. Really do anything. The very air we breathe is in question. Yet, some of our government is saying we can't change now the economy can't take it. The debt to China is concerning at the least. The deficit and the debt are in numbers we cannot even picture or read. The TV media, and much of the print media, jumps quickly from “hard news” to the latest scandal from any sector-cultural or business or … Why? Because we, the consumers, want to forget all the anxieties we cannot control. And business wants us to keep watching and reading so they can advertise at us; therefore to keep us spending.

We do feel “Don Draper's disorientation”.

Health Care Plans

Health Care Plan, Health Care Reform, articles abound this week.
Reading the articles, the editorials, and the comments of the readers is a feat in itself.
This is really a topic of interest to a lot of people. Many doctors write articles, editorials, and comments. Many politicians have much to say. The President is on the trail, holding town hall meetings. So you know I couldn't resist my two cents. Below is a comment I sent to the NY Times.


I guess I am just stupid or naive.
Why are the costs for health care so high in the first place? I doubt it is all about technology. Why are we, the government, going through this insurance mess in the first place? Why not just get drug companies to get realistic, get hospitals to look at their vendors and their yen for profit, get doctors to set their charges realistically. Why not get the patients to be responsible.
We all know those with insurance pay for those without in many ways. We all know about really “frivolous lawsuits”. We all know drug manufacturers are charging US consumers much too much. (no it is not their research costs-it is their advertising costs) We all know the population is not healthy and expects a drug or a procedure to instantly fix our bad habits. We all know that many if not most hospitals have brought in business managers to get profits up. We all know the problems with population demographics changing-more retired than workers.
I am for health care for all but why are we so worried about insurance companies. They have been around for as long as I can remember and they will probably not disappear. They will find a way.
I worked for a hospital years ago as a secretary. I remember my shock at what a little restaurant packet of ketchup cost then. We have all read or heard tales of the cost of a band aid in a hospital. We all are aware of errors in diagnosis or treatment do happen leaving some with a lifetime of pain or suffering or the inability to earn a living. Even worse we all are aware of , God forbid, deaths from these mistakes.
I see what insurance companies do “for me” when they negotiate for a visit to my doctor. My doctor in essence gives the insurance company a loan for months sometimes while they wait on payment. My doctor charges more because he knows that he will get less. The insurance company negotiates so that my deductible is rarely met. The drug plan is another tale. They send me letters to encourage me to take an “opportunity” to save money. They negotiate with the drug manufacturers to get the best price for the plan sponsor and themselves. Fine. But they turn down my doctors prescriptions because I didn't take advantage of the “opportunity”. So my choice is take the drug they want me to take or go pay 3 to 4 times as much.
I think this is all craziness. Capitalism at its best?
I don't mind businesses making a profit. I don't mind health care professionals making money. However, isn't this just about the same as the “Wall Street” greed we are seeing lately? Shouldn't we all; corporate America, doctor, hospital, drug supplier, drug manufacturers, and yes, the public change our ways and our expectations?


Posted as comment on NYTimes.

There is a big long on-going story behind my comments but it would be too long to post here.
PS After rereading the comment to the Times, I realized the whole thing relates to the April 25th blog post.