This Is Why I Hate Insurance Companies
Today’s youth, and likely the previous generation has no idea what this device is. Nor, would they ever grasp how slow a communication tool it really was. If you were trying to call a family member, it took you roughly thirty seconds to dial the phone number. If you were trying to be “caller number 9” for a radio contest to win a pair of concert tickets for your favorite band, you basically had no shot, other than hearing a busy signal. A busy signal you ask? What is that? Well that was a beeping noise… oh never mind.
Time. Your time is valuable. My time is valuable. And when it comes to your health, time is valuable. When I was diagnosed with Hodgkin’s Lymphoma, all I kept hearing was how important it was to begin treatment as soon as possible. And yet, I managed to drag the process to get to treatment over three months. As a long term survivor dealing with a multitude of health issues from those very treatments thirty years ago, those involving the cardiac system, are definitely critical when it comes to “time.”
Four months. That is how long it took, four months, to finally make a phone call about a symptom that I was having, and then only because it was a pain in the ass to me. I was tired of it, not concerned about it. I was forty-two, in somewhat decent shape, shoveling snow, mowing the grass, moving heavy equipment at work. It was just an issue of inconvenience.
From the moment that I began any kind of exertion, you could call it a physical act of stress on the body, I would get a tightness across the upper left of my chest, that I would describe best as a severe cramp. And I would call it a cramp, as it went away after approximately a minute. Over those four months, it would happen more frequently, and get more intense, and always go away after that short period of time. And again, I was only forty-two, so I was not worried.
It was the second week of April in 2008, when I called my family doctor of more than two decades, who knows I am not the kind of patient who complains about anything. So this was an unusual thing for me to call her. She would order a nuclear stress test. Just as when I was sent to an “oncologist”, I was clueless what was being sought. She had a hunch, based on my treatment history, that something might be wrong. She made the call to a cardiologist, and got me in for that test the following week, and thirty-six hours later, I was on an operating table having open heart surgery to save my life. I was dying. One of the main arteries going to my heart was blocked 90%, and two other arteries also had blockages. These were not cramps. This was pain. This was my body trying to tell me that something was wrong.
Now, a smart phone, you can make a phone call real quick. In fact, you can pay your bills while you are taking a phone call, while making arrangements for take out, and checking in on a friend. Try doing that with a rotary phone. We are talking a difference from minutes to a half an hour.
If you are a patient, trying to reach a specialist, like a cardiologist, even for “chest pains,” you may as well be that rotary phone. Because the patient is the one making the phone call, there is not really any imminent urgency. After all, the recording says, “if you are experiencing an emergency, call 9-1-1.” So, you are likely to get an appointment several weeks to perhaps even a month or more later.
According to my cardiologist, it was not a question of “if” I was going to die, but “when.” I had already been experiencing the symptom for at least four months (that I can remember). Now, if my doctor had not made the appointment, how likely would it have been for me to survive weeks or even a month or two, just to even get to an appointment with a cardiologist? I do not think my odds would have been that good.
So, as an advocate for long term cancer survivors with health issues, I run into a similar problem, but it is not the patient causing the delays. It is the insurance companies. If you follow my blog, you know I support universal health care. And if anything, the Covid19 crisis has taught us, is that we need to have it. But in the meantime, as we continue to go from one administration trying to improve, trying to dismantle, back and forth, people are losing their lives.
A simple premise, an insurance company only makes money, if it does not pay out. How does an insurance company make money on sick people? They do not. They count on healthy people to make up the difference, those who will not need to use their insurance. But when costs cannot be controlled that way, another idea was created, to “pool” insurance by offering different levels of coverage. In other words, you get coverage that will cover basic needs like check ups and flu shots, stuff that will not break the insurance company banks. It will be cheap because there is not much cost in that. But then you are screwed when something goes wrong and do not have the higher protection. Want the higher protection? Then get a better plan. Oh, that costs too much? Then let’s choose an option that throws “speed bumps” (you know, things that slow you down in a car), that will restrict what testing can be done to quickly and accurately diagnose you. Before getting to any big and expensive test, we will check everything else first, no matter how obvious the symptom is.
I am going to stop that rant right there. Because this is what prompted this post.
A fellow long term survivor is likely experiencing a cardiac emergency. You would not know it by the actions of their insurance company. The cardiologist has been unable to get any pertinent tests done in the four months since the first visit. The insurance company has forced the doctor to exhaust all “electrical” functions of the heart to rule anything out as the source of the pain, yet it still continues to deny the one critical test that would at least confirm or deny a cardiac issue, a simple angiogram to check the vessels.
The heart can function perfectly electrically, but if the blood flow being restricted is a major problem. And worse, if our body is telling us so. I can only hope my fellow survivor is not in the same condition as I was, because otherwise, time is not on their side.
I am sensitive to this type of medical complaint. Whenever I have heard of someone complaining of this similar symptom, long term survivor or not, I have wasted no time in telling them to get to an ER. I am not a doctor, but I am three for three with encouraging a survivor to get help before it was too late, with them ending up with the same emergency open heart surgery.
I do not know what else has to be done to convince everyone that we need universal health coverage. We cannot have pen pushers who follow only a flow chart as to how a patient gets treated. Time is too important to be wasted. Our health care system is broken because it is run by the insurance companies and not the ones that matter most, the doctors. We need to let the doctors dictate the care we get. To Hell with the insurance companies and their billion dollar profits. People are dying because of this greed.
Yes, I am pissed, and scared for my fellow survivor, as they wait for their appeal to be heard, now causing this situation to reach five months, and that is just even to get the test approved. It still needs to be done, and if something is wrong, then fixed. Time. It is running out.