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Moderatus Puisne
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Discussion Starter · #1 ·
I'm strangely now part of that subset of people for whom the medical system is well-designed -- that is to say, I am in generally good health, and receive health insurance benefits through my employer.

This is relatively new to me, and I have not had the occasion to use my medical insurance since I've had it.

This weekend I crashed on some gravel, and while I didn't even break the skin on my legs, a sizable sharp rock gouged my chin open -- I could see from way the break in the skin pulled apart that it would not heal cleanly on its own.

I called my insurance company, found the local in-network urgent care clinic was about 1.5 miles away, so rode down there. After a brief complaint about bike access and facilities, I locked my bike to a utility meter and went inside.

I've got a $50 co-pay for urgent care visits. Apparently this is all I have to pay. Having avoided medical treatment in the past because of the silly sticker shock absurdidy, I had to ask about 734 times to make sure nothing would incur additional fees. Nope.

Waited in the lobby for about 45 minutes, reading a book, trying not to bleed on the floor, and listening as a patient and the desk clerk argued with some other care provider on the phone about the state-provided insurance stuff she had, and whether or not her daughter's ear infection medication would have to wait a certain number of business days because of some kind of red tape.

My turn came up, the nurse inspected the wound, irrigated it a bit (I'd already done that at home, it was fairly clean,), the doctor showed up, gave me a brief look, and told me no problems, she could close that up.

15 minutes, 5 sutures, $50 on the Amex, and we're out the door.

I still keep fearing I'll get a bill. They promised me I was good. They even tell me that the suture removal is the same procedure, so I won't have to try to take them out of the underside of my jaw. Normally I wouldn't mind but I can't move scissors the right direction in mirrors and holy crapshaith I don't want to miss.
 

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Seat's not level
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Very cool. You may see a bill, but insurance should cover it. I went to the ER last year in Moab after a crash. $50 co-pay. Received a bill a few weeks later for $750, but insurance paid it. (Even if you receive one, wait a while - don't freak out)
 

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Yeah, got a list of services rendered along with amounts, and it came to over a grand. But total amount due = $15. When it works, it's cool. I try not to gripe about paying the $15 co-pay for follow-up visits.
 

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Cut on face - should have asked for a plastic surgeon to sew it up. Amazing how much cleaner they can stitch up stuff...and yes, insurance would have covered it.
 

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Well, good. Still, somebody ought to point out that for almost 50 million people in the U.S., the system DOESN'T work that way.
 

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Sticky Valentine
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I good at removing sutures. I have also removed staples two or three times from friends. Oddly enough, I've never had stitches or staples.

hth


joe
 

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JoeDaddio said:
I good at removing sutures. I have also removed staples two or three times from friends. Oddly enough, I've never had stitches or staples.

hth


joe

You just jinxed yourself.

With the run of medical maladies you've been having lately, sutures are just one ass-over-teakettle away. :thumbsup:
 

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Creakyknees said:
I have a chin scar from crashing on gravel. It's like we're twins now.
I guess then I am something like an older brother or a cousin. :) I have a faint chin scar from an ice skating fall when I was a teenager. It hardly is noticeable now. But when the scar was new I nicked it a few times while shaving.:cryin:
 

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I heart team Zissou!
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I won't bore everyone with the details of this spring's double (but not simultaneous) sprained ankles but here is the detail of the associated costs:

ER visit #1:
Doctor's fee: €28
X-ray: €30
Crutches: €12
Splint: €5
1 week course of drugs to handle pain and inflamation: €6
Total Cost: €81 ($105)
Co-pay: €0
Insurance coverage: 100%

Follow-up visit w/ doctor: 28€ ($36)
Co-pay: €0
Insurance coverage: 100%

ER visit #2 (there was some bone damage on this sprain)
Doctor's fee: €28
X-ray (3, just to make sure): €90
new improved splint: €15
Compression socks (I was travelling by air 1 day later): €25
1 week course of drugs to handle pain and inflamation: €11
Total cost: €169 ($220)
Co-pay: €0
Insurance coverage: 100%

Follow-up visit w/ doctor: 28€ ($36)
Co-pay: €0
Insurance coverage: 100%

Physical therapy sessions
10x1 hr sessions (so far) @ 22€/hr = €220 ($286)
Co-pay: €0
Insurance coverage: 100%

Oh, and I got to choose the doctors and physical therapists......

Finally, what is this "co-pay" you speak of ?????

;-)
 

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tofurkey hunting
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4,733 Posts
good luck, arg...i hope there are no ensuing bills...

i have okay insurance, but it's amazing the things i ended up getting slammed with. granted, my crash involved much more damage. IME, insurance works great for "small" things. just pray you never really need to put it to use....

it seems that insurance works in two ways. it allows the small things to be affordable (like your deal here) and it guarantees that you can more easily acquire the debt for the large things....

//hint, also, avoid ambulance rides at almost all costs. again, and only IME, there's almost no such beast as an "in-network" ambulance service....
 

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Resident Dutchbag
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philippec said:
I won't bore everyone with the details of this spring's double (but not simultaneous) sprained ankles but here is the detail of the associated costs:

ER visit #1:
Doctor's fee: €28
X-ray: €30
Crutches: €12
Splint: €5
1 week course of drugs to handle pain and inflamation: €6
Total Cost: €81 ($105)
Co-pay: €0
Insurance coverage: 100%

Follow-up visit w/ doctor: 28€ ($36)
Co-pay: €0
Insurance coverage: 100%

ER visit #2 (there was some bone damage on this sprain)
Doctor's fee: €28
X-ray (3, just to make sure): €90
new improved splint: €15
Compression socks (I was travelling by air 1 day later): €25
1 week course of drugs to handle pain and inflamation: €11
Total cost: €169 ($220)
Co-pay: €0
Insurance coverage: 100%

Follow-up visit w/ doctor: 28€ ($36)
Co-pay: €0
Insurance coverage: 100%

Physical therapy sessions
10x1 hr sessions (so far) @ 22€/hr = €220 ($286)
Co-pay: €0
Insurance coverage: 100%

Oh, and I got to choose the doctors and physical therapists......

Finally, what is this "co-pay" you speak of ?????

;-)
So, what's it like to live under the jackboot of socialism? :wink5:
 

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Moderatus Puisne
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Discussion Starter · #17 ·
The angle...

OldEndicottHiway said:
You farked up that pretty face?

Way to go. I'm so over you.

:)
One would have to be at to see it would be pretty interesting. It's pretty much right under my jaw, just beneath where I stop shaving my facial hair...
 

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Fat'r + Slow'r than TMB
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10,083 Posts
MCF said:
Cut on face - should have asked for a plastic surgeon to sew it up. Amazing how much cleaner they can stitch up stuff...and yes, insurance would have covered it.
Most Urgent Cares don't have plastics on call or even a call list at all and even if you go to the ER a lot of them don't have plastics anymore. Oh and good luck on getting a plastic surgeon to come in for a small facial wound. They will show up, usually a few hours down the road and in a really bad mood.
 

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tofurkey hunting
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4,733 Posts
Argentius said:
One would have to be at to see it would be pretty interesting. It's pretty much right under my jaw, just beneath where I stop shaving my facial hair...
scars and facial hair are so emo

hth

:wink:
 

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Moderatus Puisne
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Discussion Starter · #20 ·
I never managed to have "regular" sutures before, though I had some burly ones holding my thumb together when I cut the end of it off a few years back.

I'd take them out myself but they are in my face.

JoeDaddio said:
I good at removing sutures. I have also removed staples two or three times from friends. Oddly enough, I've never had stitches or staples.

hth


joe
 
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