A TRUE STORY

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It's kind'a sad---or downright infuriating----depending upon how easy it is for you to get downright infuriated.

In the beginning-----I'm hurting---bad enough to go the doctor----a hot-shot youngster Orthopedic Surgeon known as "The Hip Guy"-----and another one---a hot-shot older Orthopedic Surgeon known as the "The Back Guy"----so named by "The Hip Guy"---who also named himself. Now the reason----the first reason I'm hurting is because arthritis has displaced or otherwise fubared the cartilage in my left hip---such that the joint is "bone on bone" (according to The Hip Guy). And that sounded scary enough to get my attention. Further attention was required because it seems the cartilage between 2-3-4 vertebrae in my lower back was "diminished" some----and when it got to be diminished a lot, there would be too much room for the vertebrae in my spinal column, and some (one or more) vertebrae could become displaced. Oh, and by the way, if/when it became displaced, it's very likely to displace some of the nerves that run through all this stuff-----and you will be dead----------never mind that after 85 years on this planet you pretty much ought to be dead----probably should have been dead long before this. But that's not the problem.

The problem is the time spent getting educated about all this by The Hip Guy----and The Back Guy's assistant (PA) only to finally----FINALLY come to realize neither one of these folks is the least bit inclined to carve you up and fix you. And that's because when Old Farts get put to sleep for such carving, they don't wake up----a hell of a mess.

The remedy, such as it is, is known as Pain Management. It is practiced by two different MD types-------Anesthesiologists (with X-Ray machines to guide long needles) and what my Primary Care guy labels as "a bunch of Pill Pushers"-----this latter group to be avoided at all costs. And I wasn't so sure about these guys with X-Ray machines and long needles either------but that turned out to be no problem because my insurance (Medicare Advantage, such as it was) would not approve Pain Management procedures----three times in a row!!!

Here's a short course in medical insurance for Old Farts: In the beginning there was Medicare------and it was good. Then there was Medicare Supplement (just exactly what the name says)------and it was good. Then there was Medicare Advantage which started out okay, but was soon terribly abused, such that Medicare was no longer the primary (and calling the shots) but secondary, and pretty much not calling the shots-----and pretty soon folks like the NEW YORK TIMES are telling stories (true stories) about bad guys in insurance companies---declining benefits. My remedy was to fire the insurance company involved with my Advantage program, and go with Medicare alone---all by itself----with no back-up---or Supplement----or anything else----and pick up the tab for anything Medicare doesn't cover out of pocket. So far, I'm out of pocket $24.25.

AND-----yesterday I underwent my first Pain Management Procedure (X-Ray machine to guide the long needle)----and I damn well KNEW it was not going to work----and had damn well known it for months----PAINFUL MONTHS!!!

They said it would likely be 3-4 days before results would become apparent. It was 3-4 hours-----------and I'm a happy camper----an old happy camper, but happy nonetheless!!!

Ralph Tremaine
 
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Similar story: I suffered from pain going from my lower back down my left leg past the knee. Went to a pain management doctor who tried a couple different treatments based on insurance requirements. Then he suggested cauterizing the nerve. The first time cured the problem for almost two years, which he said was at the outer edge of relief expected from such treatment. The second is still working, and it's been about 4 years!

Sometimes, things go better than planned! :D
 
I was lucky that when I turned 65 and started looking at Medicare, the first insurance agent I talked to told me to never take out a Medicare Advantage plan because the insurance company would be the ones planning my medical care and their only concern was to make as much profit as they can. So 12 years later I still have the same insurance agent and am very happy with my medical coverage other than the insurance that helps medicare pay for your expensive medical costs. That insurance cost is getting to the point that you need insurance to pay for your medical insurance.
 
Not all Medicare Advantage plans are bad: I just got out of the hospital from a 2-month stay with two different surgeries (amputation of the 4th toe followed by surgery to the femoral artery to increase blood flow to my foot. The total bill for the hospital, surgeons and gas passer was $178,000.00. My share was 35.00; the copay for the surgeon. I guess I got lucky.
 
Glad the physical pain is better. The "advantage" is theirs, no salesman will tell you that. I have regular Medicare and UHC supplement, costs $200/mo but the teacher's union kicks in $75.25/mo toward it. I have met my annual $235 deductible and 3 out of 4 BP meds have $0 co-pay. Stay healthy, my friends. Joe
 
I'm on a Medicare Advantage plan. Used to be on Medicare A, B, and D & F. (Alphabet soup.) While neither of us have needed major care yet since switching, as a cancer survivor, what I did, among other things, was call around to the top US cancer centers to see if I were to need further or new treatment, would they take my insurance plan. They all said they would.

I think the government should mandate that Medicare Advantage cannot offer less care than original Medicare offers.

As we see from JDBoardman's post #4, not all Medicare Advantage plans are bad. But you really need to look into them carefully before signing up. They vary a lot by provider and by one's location.
 
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Avoid United Health Care medicare advantage plans per my wife. With 35 years of work experience in medical insurance billing, she KNOWS insurance companies.
While I realize plans differ by location, I am curious what plan a 35-year insurance pro chose, if you don't mind letting us know. (Assuming you guys are 65+.)
 
Not all Medicare Advantage plans are bad: I just got out of the hospital from a 2-month stay with two different surgeries (amputation of the 4th toe followed by surgery to the femoral artery to increase blood flow to my foot. The total bill for the hospital, surgeons and gas passer was $178,000.00. My share was 35.00; the copay for the surgeon. I guess I got lucky.

I can't beat the amount because my 6 day stay in the hospital (Cardiac Intensive Care) tab was $60,000---even money---never mind there was nothing wrong with any of my cardiac stuff----only the medication I'd been taking for about 15 years (Metoprolol---sp?) (I had/have?? a 65% blockage in the blood vessel that feeds the main heart muscle----sounds pretty bad, huh? It's "not bad enough to fix"---the remedy is to take blood pressure meds to expand the blood vessel---so I did---for about 15 years. One day, I got up from my desk "too fast" and got dizzy like you do when you get up too fast (??). Then I passed out, and hit the floor---out cold. The Boss Lady says I was out for maybe a minute. I got dressed, and figured it might not be a bad idea to pay a visit to the ER. Now our ER entry room is just that---a room---has a few chairs, a one way window, and a two-way speaker system. It said "May we help you?" I said, "I got dizzy and passed out." BOOM!!!!! The window flies open, a face appeared, and a voice said, "You're Ralph Tremaine, aren't you?" I barely had time to say yes, when the double doors flew open and two nurses with a gurney slapped my butt on board, and I was GONE!!! Two doctors are firing questions at me about 90 miles per hour, and I said "I don't know, but it's happening again----right now!! They spun around to look at the monitor I was hooked to---it said my pulse rate was 37. I figured that was not good, because I was out of that exam room into a trauma room in about 2 seconds flat!!! There's a clearly terrified little girl in there holding de-fib paddles hoping beyond hope she didn't have to use them. She didn't. I was in an ambulance in a matter of seconds later---heading for Chattanooga---and thoroughly pissed-off!! The ambulance was a truck type thing, and I wanted to go in the helicopter. (I'm a licensed pilot---fixed wing. I once asked my instructor if he was qualified for helicopters, 'cause I wanted to get qualified for them. He asked if I could pat my stomach and rub my head at the same time. I could. Then he asked if I could do it standing on a basket ball. I just looked at him, and he said to come back when I could. That was about the end of me learning to fly helicopters.

Now----$60,000. That was for a bunch of tests to figure out what the problem was. They figured out what it wasn't, and decided to blame it on the Metoprolol. I don't have high blood pressure never have had---it's low, if anything. Plan A was to switch blood pressure meds to expand this clogged pipe. Plan B was to add a Pacemaker----"Think of it as belt (the new meds) and suspenders (the Pacemaker)" All this happened on the afternoon I was to go home. I went home the next afternoon. It's now 7 years later. I go in for a "device check" twice a year. The Pacemaker's never done a damn thing except tattle about episodes of very high heart rate (200-220) for a matter of seconds every now and then. They got a couple of new heart guys on the payroll in Chattanooga, both of whom decided I should be on some Metoprolol. I decided they should never be allowed anywhere near me ever again----and they haven't been. I'm still here----with no Metroprolol.

The good news---at least better news is I was on Medicare and Supplement at the time, and didn't pay a dime out of pocket.

Some other better news was I didn't smoke for those six days----from about a pack a day to ZERO----BOOM!!!-------and it didn't bother me a bit!!?? My primary care guy opined I wasn't addicted to nicotine, but had "an environmental addiction"----I smoked/wanted to smoke during certain activities---and I could quit cold if I wanted to. So I did. It was disgustingly easy.

Ralph Tremaine
 
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Long story so here’s the short version. Started having all kinds of weird sensations in legs, head aches, vision disturbances and various pains in arms and legs. Mds asked about getting me a MRI and one question was” any metal in your body? Well yeas, lead fragments form gun shot way back so Every one of the Mds said, oh no you cant have a MRI…. I finally asked one where he went to med. school, he asked why, I told him lead is Non ferrous and non magnetic, he just looked at me with a dumb look. Anyway ended up at a pain management Md for 2 years, symptoms kept getting worse with all kinds of meds and shots. Finally the pain management Md said you have to have a MRI because you have disc issues, well no —— Shirlock. Signed a book of release and hold harmless forms, got MRI on a Monday, pain management Md got results, called me in and said, sending you to a neuro surgeon. Neuro. surgeon got MRI on Wednesday, saw him the next day( Thursday) , was in surgery the following Tuesday, C-4,5 and 6 were compressing spinal cord. Surgery was a breeze but recovery was long and frustrating as you can not do much afterwards. Healed fine and all was kind of ok til 3 weeks ago. Seems C-3 is repeating what its neighbors did 4 years ago….so new MRI and now waiting to get call from neuro surgeon. At least its warm weather….You have my sympathy.
 
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I'm on a Medicare Advantage plan. Used to be on Medicare A, B, and D & F. (Alphabet soup.) While neither of us have needed major care yet since switching, as a cancer survivor, what I did, among other things, was call around to the top US cancer centers to see if I were to need further or new treatment, would they take my insurance plan. They all said they would.

I think the government should mandate that Medicare Advantage cannot offer less care than original Medicare offers.

As we see from JDBoardman's post #4, not all Medicare Advantage plans are bad. But you really need to look into them carefully before signing up. They vary a lot by provider and by one's location.

It's not that the Advantage plans are bad, it's that the shot caller used to be Medicare, and the Advantage plans picked up excess----same as Supplement programs, except Supplement programs pick up A LOT more excess----and cost A LOT more. That was when Medicare was calling the shots-----what's covered-------and for how much.

Now Medicare's in the back seat, and the Advantage carriers are deciding what's what. Advantage insurance carriers are ventures for profit. To succeed they need to take in more than they pay out. Today's solution is to pay out less every chance they get----and to make up chances when no real ones are at hand-----and they're good at it------and no one's ready to hold their feet to the fire------yet.

Ralph Tremaine
 
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The good news---at least better news is I was on Medicare and Supplement at the time, and didn't pay a dime out of pocket.

That's my assessment after reading all the statements that came to me after my 3 days in the local hospital. Just over a year ago I was sitting on my bed and I felt like somebody slugged me upside the head. On wobbly legs I managed to get out to the front room, checked my blood pressure (through the roof), and called 911. With the incidences of strokes in my family history I wasn't going to fool around.

They put me through about every test imaginable, but didn't find any organic problem. They did make some adjustments in my medications. Three days in the hospital, but I would really hate for the one test they didn't do be the one that would show the problem.
 
My back has been messed up for years. I'm only 65. I tried the shots in the back; no good. Every doctor says not to operate, won't work, even the docs that have boat payments due. Spinal stenosis is what my PCP calls it. She treats me good, more like a sister would. Chemicals work better than anything I've tried, so once a month I have to order them. She lets me know when my annual Pain management urine test is gonna be due. According to the young nurses I'm gonna get hooked on heroin and die from dinosaur tranquilizers. Hasn't happened yet. Some people get their medical marijuana cards, but that just doesn't work (on pain.) Plus it keeps you from buying guns. Still a felony to lie about that on the form. Pain just flat out sucks. Arnica gel helps some, but two Doans and one 7.5/325 in the morning and I'm good for about 5 hours. I've tried every kind of snake oil they sell. There are other prescription pain relievers if one kind makes you sick. I'm still looking for that Laudanum, though!
 
That's my assessment after reading all the statements that came to me after my 3 days in the local hospital. Just over a year ago I was sitting on my bed and I felt like somebody slugged me upside the head. On wobbly legs I managed to get out to the front room, checked my blood pressure (through the roof), and called 911. With the incidences of strokes in my family history I wasn't going to fool around.

They put me through about every test imaginable, but didn't find any organic problem. They did make some adjustments in my medications. Three days in the hospital, but I would really hate for the one test they didn't do be the one that would show the problem.

I had to respond to this one----stroke: I got up one day not too long ago, and felt wobbly----no other word for it. I felt like I couldn't take two steps without being able to hold onto something to keep from falling. Off I go to the ER----told them I had "the wobbles"---and explained. BOOM!!!---they slap me in an ambulance (another truck type thing), and off I go to the big hospital in Chattanooga.

They perform a few rudimentary type tests, admit me, and assign me to a room. The fellow in the room across the hall was in bed---and never moved. I didn't like the looks of this. My room was clearly a double---as big as a barn, but just one bed----along with two tables and four chairs, and they were all shoved into a corner. I decided to rearrange the furniture. (I went straight from my bed at home to the ER---to the hospital---dressed in boxer shorts, a tee shirt, and bedroom slippers---and was still dressed the same----quite a sight.)

I'm busy with the furniture, but noticed a young lady standing in the doorway----watching me intently---and making notes now and then on her clipboard. Once she noticed I had noticed her, she asked "What are you doing here?" I told her I was rearranging furniture. She laughed, and said, "No, I mean why are you here---in the hospital? I told her about "the wobbles." Then she said she was a Physical Therapist, that this was the stroke area, and they thought I'd had a mini-stroke---and asked her to observe me. She followed that with, "You haven't had a stroke!"

Shortly after she left, a doctor arrived, and started in with questions. They turned out to be good questions, because I was reminded I'm afflicted with Meniere's Disease---have been for years----too much fluid in a porous inner ear bone now and again---messes with your hearing----big time, every now and then, and can cause----the "wobbles"----but never had before, at least not to this degree. Her face lit up like she'd discovered a cure for all mankind's ills------said "Meniere's Disease----too easy---never even thought of that!" I was on my way home in short order with a fresh supply of diuretic meds---Pee Pills.

I check my hearing every morning during periods of affliction: Listen to the dial tone with one ear---then the other. A significant difference in the sound/pitch calls for a Pee Pill. Along about 11:00, I pee like a cow going on a flat rock; and I'm cured------until the next time.

Ralph Tremaine
 
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Had X-Rays and MRI done on my back a couple years ago. Surgeon looks at the X-Rays and says your back is really messed up. But with your medical history (have copd and asbestosis and use a Bi-Pap machine) your not a good canidate for extended time on the operating table. and that you may not wake up. Yold him to make sure I got the good stuff as I haven't been sleeping well lately. We joked about it and we both decided that surgery wasn't my best option. My foot doc said "suck it up and deal with it" so I been sucking it up and dealing with it. Frank
 
Have Medicare as primary and UnitedHealth care plan F. Have not paid a dime except when a Md ordered a test that had been done less than a year before. Now I tell front desk and nurse And Md. to check with Medicare and United Health care BEFORE or I will not pay. Trips to ER are always covered.
 
My wife is slightly older than me (65) and was warned by her primary doctor not to drop the private healthcare I'd been carrying through my job. He said a lot of doctors aren't taking medicare because medicare was so poor at paying in a timely manner. We've kept our primary insurance after I retired and probably still will. She has degenerative disc disease and arthritis in her back. I have no cartilage in my right knee and little in my left knee. Due to the panic over prescribed pain killers her meds have been reduced significantly.
 
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