When I showed up at my doctor’s office in Manhattan on Monday, I was flustered and exhausted; I had already been to deepest Brooklyn and back (the end of the 2,5 line) to take Babygirl to her new pediatrician’s office. We hadn’t wanted to switch but had to because her old pediatrician, who we loved, doesn’t take her current insurance, which is called Health First Child Plus or something, who knows, they’re all combinations of nice-sounding but meaningless abstract words. Red Star Red Sword sounds like a funny name for an insurance company, doesn’t it, but is that any different, really, than Blue Cross Blue Shield? We’re just used to the latter.
I ranted a bit to my doctor, and her eyes flamed with indignation. “It’s ridiculous!” she said. “I would write about it if I were a writer, but I’m not, so you’ll have to, but everyone says the patient’s relationship with the doctor is a key part of health care. When you have to switch doctors just because you switch plans, everyone loses.”
I certainly lost. Though the new people were fine, I missed our old pediatrician, who had been seeing Babygirl since she was days old, knows her well, and is a brisk ten minute walk from our house. Going to a new place – a much larger, busier practice a much greater distance away — made Babygirl squirrelly, and it cost both Ben and me our morning. It required redundancies, like typing old info into a different computer and answering the same questions over and over, and introduced the possibility of errors with each transcription.
Why can’t doctors offices and hospital accept any accredited, official health insurance? That would solve the horrifying “Out of Network” problem. That’s how it works for cars, right? It’s not as if you can get hit by an SUV making a left turn and then find out that oops your insurance somehow doesn’t take theirs. There doesn’t seem to be much rhyme or reason to why our old pediatrician accepts one Obamacare policy but not another, or why the hospital closest to us accepts only these six and not those seven.
Seriously, what’s stopping government from mandating that every health provider must accept every legitimate insurance? Paperwork? Admin fees? Or is there a bigger problem I’m not seeing?
(You also already know that I’m fine, so we’ll just get that out of the way.)
I was walking through a crosswalk in Capitol Hill, and the car hit me in the middle of the crosswalk as it came to a full stop. I was surprised more than anything else, because I saw that the car was slowing down as it approached the crosswalk, which is an everyday sort of thing, and then it drove into the crosswalk and hit me, which is not at all an everyday thing.
Because I was surprised, and because I knew as soon as I picked myself up off the ground that I was not seriously hurt, I didn’t think to get the driver’s insurance, license plates, or contact information. To be fair, the driver didn’t offer it. She got out of the car, asked me if I was okay, I said I was, I started to walk away, some bystanders shouted “get her insurance!” and I turned around and she was driving off.
This meant that later, when I went to the clinic to confirm I was, in fact, okay, I paid the $90 against my deductible myself.
Here is your open thread, brought to you by the lengths corporations will go to spend less on health insurance:
companies, facing rising health expenses, are increasingly buying or subsidizing fitness-tracking devices to encourage employees and their dependents to be more fit. The tactic may reduce corporate health-care costs by encouraging healthier lifestyles, even as companies must overcome a creepy factor and concerns from privacy advocates that employers are prying too deeply into workers’ personal lives. … Companies and insurers said they protect the privacy of people using wearable gadgets, and comply with federal laws that prevent employers from seeing certain health information about employees without consent. The wearable programs are voluntary and often administered by third-party vendors like StayWell, which works with BP.
Big Brother is watching you on behalf of your boss. What could be better?