What I Do for Health Insurance Rant

Funny that health insurance should be our topic today. I'm in the process of navigating the travesty that passes for healthcare in these United States. I'm up for a hip replacement. I'm going to physical therapy first because I'm a firm believer that strengthening muscles around a bad joint might delay the necessity of surgery and if it can't, it will only speed the recovery from said surgery. But. Today, someone who works in a teaching hospital associated with a local university sat me down, looked me in the eye and said, "Get a second opinion." I must have looked blank. She shook her head at me and said, "Listen. Everyone in a medical specialty is making a Porsche payment. Don't be someone's Porsche payment."

I don't know whether to laugh or to cry. You'd like to believe that healthcare is there to care about you, but all too often, I find that isn't the whole story. Or even most of it. I think long and hard about the story of getting a hip replacement in Portugal. Surely you know this one. It goes:

For what it would cost to get a hip replaced in the USA, I could move to Portugal for a year, rent an apartment for that time, see all the sights, learn to speak Portuguese, even. Then I could have my hip replaced in a state of the art medical facility, pay cash, stay for two more months to recover, and STILL have paid less that what a hip replacement in the USA would cost.

We're all being taken advantage of in this country. Health insurance feels like a scam that could finally put a Nigerian prince to shame. Still. The alternative is ruin. So. We carry health insurance. I'm lucky. My partner is employed by a company involved in the healthcare industry so our insurance is -- reasonable. They don't like me much because I'm kinda complicated. They like to come at me from time to time with tsking letters about what providers I choose to see because I'm not impressed by their doc-in-a-box preferences. But for the most part, we get along while eyeing one another with distaste and distrust. Their current 'it's a benefit' shill is trying to assign me a nurse to 'help' me manage my healthcare. The sales person who called to get me to accept the 'benefit' made the mistake of mentioning that the nurse could give me all kinds of information about where I could go to get care. Heh heh. Yeah, no, nameless health insurance company. I'm not playing your game of asking permission to manage my own well being, thanks. 

There are a few reasons that I might one day leave the USA to live elsewhere but let me assure you this Machiavellian structure we call 'health care' is right at the tippy top of the list