It’s been a day since I spoke with the doctor who placed the stent in my right artery. I wasn’t allowed to see him, but I could talk with him.
It turns out that I went to the closest medical facility, instead of going to a hospital that was in my network according to my HMO plan. I am not an expert in medical insurance, and it is clear to me now that I will never be an expert. It’s obvious that people will be mostly ignorant until one uses the system by choice, or by emergency.
My medical plan is excellent, if it is an emergency then you are covered anywhere in the world. If it is not an emergency then you had better go to services in your network. Additionally, I got old and I’m covered by Medicare, that adds another huge level of complexity.
I used to think I was competent, well read, well educated… that may be, but it does not give you any understanding of how to weave through medical issues in today’s culture.
I am finished with the emergency, so now my coverage is different. The follow up appointment with the doctor who attended me is not in my network, so I can’t see him. I went to the appointment anyway, but I was denied at the reception desk.
I explained that I was also under Medicare, they don’t take Medicare. I asked if I could pay out of pocket. They said Medicare won’t allow it.
Just a little bit of Catch 22. The doctor recognized this and stepped out into the lobby to speak to me, he ended up saying exactly what he would have said in his office.
The long and the short of it is that I need to go back to the hospital at the end of the month for open heart surgery. They will cut and crack my chest, pluck out an artery from my leg, then stitch in a replacement for at least the arteries that are clogged.
I knew this from the beginning, but I had somehow convinced myself that I was better, and nothing more was necessary. Hah!