Thursday, August 21, 2014
Talking About My (De)Generation
There are a lot of us on Medicare right now, with more to come. I've been dubious about this blessing from the very onset but was persuaded to sign up for Plan B and then for the insurance company that would administrate this for me. Every month I pay $104 and every month I continue to bask in rude health--but, as friends pointed out, this could change at any time. Prudence demanded that I make that payment and for once in my life, I decided to be prudent.
By mid-September I will have paid $1000 for unused medical benefits, so recently I decided it would be a fine idea to have a checkup done, my first in thirteen years. It was basic to the nth degree, weight, eye chart, breast exam, Pap smear, a couple of immunizations, and cholesterol and colon lab work.
This basic examination would have cost $728--were it not for the Medicare discount, which brought the exam total to $329.49, which was paid by Medicare. What wasn't covered was a vaccine for tetanus, diptheria, and pertussis, which clocked in at $86, to be paid by me. Fortunately the $137 pneumonia vaccine was covered, which I appreciate but find illogical--why one and not the other?
Then there is the lab work. A $95 analysis (brought down to $19.06 by the Medicare discount) was covered. Another, sent to another lab and billed at an undiscounted rate of $140, was not. This brings the total cost of my basic checkup to $226, a mere $103.49 less than my entire (discounted) checkup.
Feeling curious, I went to the website of the hospital I very occasionally went to when I lived in Bangkok. This is what I would receive for $248 at Paolo Memorial
It includes a vision exam by an opthamologist, which in this country I have to make a separate visit to obtain.
For $21 more than what I will pay for a lab test and a vaccine here, I would be given a comprehensive exam in Bangkok.
Since my health is exemplary, according to this recent checkup, I'm so tempted to tell Medicare to take me off their stupid Plan B and then put that money aside for an annual air ticket. That $1200 would get me to Bangkok and back--and pay for my physical, perhaps even a spot of dentistry. This is absurd and I resent supporting this idiocy any longer.