Hospitals, warning signs and $$$$$

Joined
Mar 28, 2009
Messages
934
Location
IL
Hello everyone. Well Thurs. morning about 2am I didn't feel well. Pressure on the chest but nothing else. Went away and came back a few hrs. later. Went away came back about 11 am. this time my spine hurt. No other pain or anything. My son-in-law was off work and I had me take me to emergency. To make it short I had a heart attack. When I told the heart specialist about the pain in the spine he sure 99% of what the problem was. I was in surgery the next day and I had a 95% blockage in the artery in the back of the heart. He opened it up and put a stent in. I had no other signs. I came home Sat.. Because of diabetes I have a good diet. The only changes to my diet is cut the caffeine out and some minor things. When he found out I didn't smoke or drink he said that will help a lot in the recovery. Very happy they have all the tech to do this stuff now.

Now the $$$$$ side. Two years ago my diabetes meds cost $67 for a three month supply. Almost all of the surgery would have been paid for. I am on my wife's medical plan and it was changed because of the new health care laws that are going into place. She works at a great place but legally they had to make the changes. Now my meds are around $700 for a three month supply and most of the surgery will not be paid for. I really happy I have some type of medical and will work out payments with the hospital. A few years ago I had no medical and worked out something with the hospital and they were very helpful.

One thing that I hate about this whole thing is because of history of diabetes in the family I made sure I ate well and worked out on a regular basis. I am in my 60's now and have one goal in life. I want to live long enough to see Great Grandchildren and that they would remember me.

For all of you fellow photogs watch your health and don't worry about going to the hospital or Doc. When I checked in to emergency I said I hope I didn't come in because of indigestion. The hospital staff said we hope you did and it was nothing else.
 
Joined
Feb 5, 2007
Messages
2,722
Location
Banff National Park, Alberta
Take care of yourself, I'm glad you'll recover and I'm glad this won't ruin you financially. And I'm really happy I live in Canada. When I had my gall bladder out the only thing it cost me was the $50 to get the doc to sign my insurance form to cover the 3 weeks that I was away from work. The insurance I have through my employer covers my prescriptions and covers 66 percent of my wages should I not be able to work.
 
Joined
Mar 28, 2009
Messages
934
Location
IL
  • Thread Starter Thread Starter
  • #3
Take care of yourself, I'm glad you'll recover and I'm glad this won't ruin you financially. And I'm really happy I live in Canada. When I had my gall bladder out the only thing it cost me was the $50 to get the doc to sign my insurance form to cover the 3 weeks that I was away from work. The insurance I have through my employer covers my prescriptions and covers 66 percent of my wages should I not be able to work.
Thanks, Nice setup you have. The prescription coverage is really nice.
 
Joined
Nov 20, 2007
Messages
3,538
Location
Rotterdam Holland
Heart problems are items you better not ignore.I have type 2 diabetes.2 years ago... Had "bricks' on my chest.Being first aider i noticed no pain in my arms or jaws,so nothing to worry.After a few day's it didn't go away,so i made a call with my doctor.Cause of my diabetes he let me come straight away.Put me on the monitor...nothing alarming..Got some nitro under my tongue..didn't help.He told me he wanted me to go to the first heart care clinic.I told him,no problem,i hop on the tram that stops for his door,and get out for the door of the Hospital.But no...I call a ambulance,so a few minutes later..Ambulance for the door,and me with hoots and whistles to the ER.24 hour on the first heart care unit.
They turned me inside out,found only a minor atrium fibrillation,that has been taken care of a year later when i needed other surgery.
Thank God i never have seen the bill for all this.I think they could send me back to Hospital straight away.
Sick days are not covered by our insurance,but by our boss.In the worse case it cost you a few days.Other (like my boss) cover it all.At this moment I'm on 50% work after 2 weeks 100% sick leave.I don't see any difference in my pay check.
 
Joined
Mar 28, 2009
Messages
934
Location
IL
  • Thread Starter Thread Starter
  • #7
Sorry to hear this Dennis - but I'm glad that caught this in time and could repair the blockage. Best of luck in your recovery.
Thanks, Catching in time is a huge factor. The treatment for many illnesses if caught early or treated quickly can be a live or die factor.
 
Joined
Mar 28, 2009
Messages
934
Location
IL
  • Thread Starter Thread Starter
  • #9
Heart problems are items you better not ignore.I have type 2 diabetes.2 years ago... Had "bricks' on my chest.Being first aider i noticed no pain in my arms or jaws,so nothing to worry.After a few day's it didn't go away,so i made a call with my doctor.Cause of my diabetes he let me come straight away.Put me on the monitor...nothing alarming..Got some nitro under my tongue..didn't help.He told me he wanted me to go to the first heart care clinic.I told him,no problem,i hop on the tram that stops for his door,and get out for the door of the Hospital.But no...I call a ambulance,so a few minutes later..Ambulance for the door,and me with hoots and whistles to the ER.24 hour on the first heart care unit.
They turned me inside out,found only a minor atrium fibrillation,that has been taken care of a year later when i needed other surgery.
Thank God i never have seen the bill for all this.I think they could send me back to Hospital straight away.
Sick days are not covered by our insurance,but by our boss.In the worse case it cost you a few days.Other (like my boss) cover it all.At this moment I'm on 50% work after 2 weeks 100% sick leave.I don't see any difference in my pay check.
Diabetes really stinks. I do become a little tired of people saying it is preventable. Well not for everyone. I knew it was in my family and tried to prevent it.

I really am glad to hear you were able to take care of the heart problem. With the internet we have become a small world and it is nice to now how others are doing.

The medical bills will become a burden but I will do the best I can. It is nice to be alive to figure out and work with the billing people.
 
Joined
Mar 25, 2009
Messages
88
Location
New Zealand
Whew - a good reminder to check things out. So pleased that you did go in, and yes, with a stent in and your excellent self-care hopefully no more hospital and no more bills!
 
Joined
Mar 28, 2009
Messages
934
Location
IL
  • Thread Starter Thread Starter
  • #11
Whew - a good reminder to check things out. So pleased that you did go in, and yes, with a stent in and your excellent self-care hopefully no more hospital and no more bills!
Thank you, just will go on enjoying life.
 
Joined
Nov 10, 2008
Messages
3,961
Location
Chicago
Now I am having a heart attack and heading for the hospital. Maybe it`s a boiling mad stroke, not sure. Maybe if I wait, I will cool down.

Most happy you got the treatment required and may you live to see the great grandchildren.

Edited by mods.
 
Joined
Jun 15, 2008
Messages
4,069
Location
Bellingham, WA
Medical problems are not fun to deal with, but as my doctor says, "they are what they are".

I can sympathize on the bills. I have Medicare and pay extra every month for a Medicare Advantage plan. Last year when my appendix burst, I ended up with a copay for the hospital, ambulance, medical lab, and imaging lab (I had 5 CT scans). The total was well over $3,000. I just made my last payment to the hospital yesterday, which was the biggest of the copays. As the bumper sticker says, "What doesn't kill you, comes with a copay".

Carole
 
Joined
Jun 15, 2008
Messages
4,069
Location
Bellingham, WA
Take care of yourself, I'm glad you'll recover and I'm glad this won't ruin you financially. And I'm really happy I live in Canada. When I had my gall bladder out the only thing it cost me was the $50 to get the doc to sign my insurance form to cover the 3 weeks that I was away from work. The insurance I have through my employer covers my prescriptions and covers 66 percent of my wages should I not be able to work.
US healthcare = Don't get sick!

Carole
 
Joined
Aug 15, 2007
Messages
2,483
Location
Kalamazoo, MI
Our system favors those with a lot of money, and those with very little money. It also has the ability to turn people with a modest amount of money into people with very little money!
 
Joined
Jun 15, 2008
Messages
4,069
Location
Bellingham, WA
Our system favors those with a lot of money, and those with very little money. It also has the ability to turn people with a modest amount of money into people with very little money!
That's for sure. I'm on social security and I also get a small pension. I was just over the line to get assistance, so I had to shell out over $200 a month for all the copays. They should at least have a way of consolidating them all into one payment. I had to shell out for 4 separate copays. It was nuts!

Carole
 
Joined
Feb 6, 2009
Messages
43
Location
Utah
Not much in life scares me except for Medicare. I just turned 65 in Dec, so I was inundated with brochures by the hundreds for about six month prior to my birthday. Lucky for me, I'm still working and receiving decent benefits so I did not take Medicare Part B or needed any advantage plan. But because of medicare, I am not looking forward to a full retirement.

As for the original poster...good luck. Sounds like the scare I had two weeks ago, but that turned out to be nothing.

(And yes, I don't post here often, been too busy, but getting back into photography.)
 
Joined
Jun 15, 2008
Messages
4,069
Location
Bellingham, WA
Not much in life scares me except for Medicare. I just turned 65 in Dec, so I was inundated with brochures by the hundreds for about six month prior to my birthday. Lucky for me, I'm still working and receiving decent benefits so I did not take Medicare Part B or needed any advantage plan. But because of medicare, I am not looking forward to a full retirement.

As for the original poster...good luck. Sounds like the scare I had two weeks ago, but that turned out to be nothing.

(And yes, I don't post here often, been too busy, but getting back into photography.)
Medicare can be scary as it only covers part of your medical costs. In most cases, it's 80%. That leaves you with the other 20% to pay. If you have a hospital bill like mine for my burst appendix, the bill was over $100,000. If I had to pay $20,000 I'd have to declare bankruptcy. With my Advantage plan, I had to pay a little over $3,000. There are also supplement plans that cover the other 20% but you have to be 65 (I'm 62), and they are expensive. So I opted for the Advantage plan. When you decide to retire, see if your local senior center has a Medicare advisor. They are people who are generally volunteers, they represent no company, and they can advise you on which plan is the best for you.

Carole
 
Joined
Apr 12, 2006
Messages
12,115
Location
Central Georgia, USA
Take care of yourself, I'm glad you'll recover and I'm glad this won't ruin you financially. And I'm really happy I live in Canada. When I had my gall bladder out the only thing it cost me was the $50 to get the doc to sign my insurance form to cover the 3 weeks that I was away from work. The insurance I have through my employer covers my prescriptions and covers 66 percent of my wages should I not be able to work.
Why were out of work 3 weeks? my wife was home in 7 hours and cutting firewood in 5 days.
 
Joined
Apr 12, 2006
Messages
12,115
Location
Central Georgia, USA
Medicare can be scary as it only covers part of your medical costs. In most cases, it's 80%. That leaves you with the other 20% to pay. If you have a hospital bill like mine for my burst appendix, the bill was over $100,000. If I had to pay $20,000 I'd have to declare bankruptcy. With my Advantage plan, I had to pay a little over $3,000. There are also supplement plans that cover the other 20% but you have to be 65 (I'm 62), and they are expensive. So I opted for the Advantage plan. When you decide to retire, see if your local senior center has a Medicare advisor. They are people who are generally volunteers, they represent no company, and they can advise you on which plan is the best for you.

Carole
Gap coverage, the %20, cost from 0$ to as much as you want to pay, wife and I have been paying 35$ a month until this year, and we are paying zero, gall bladder surgery cost us out of pocket, $300, plus 45$ office visit to surgeon.
 

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