It was only two days ago my husband and I were talking with a chiropractor. Let me back up, my husband had injured himself pretty bad and he wanted to go to the chiropractor. We didn’t end up going anywhere; however we were able to use a mobile chiropractor. She told us he needed to get an MRI, some pain medication and then proceed from there with whatever treatment recommended. Will it be health insurance or a discount medical plan that saves him?
Whenever you are told you have health issues, what are the steps you take? Here’s what I did for him while the chiropractor was in our home. 1) I called Telemedicine to see if they could prescribe pain medication. They kindly told me they couldn’t. I thanked them for their time. 2) The chiropractor asked about our insurance. She stated you could go through your insurance in order to get an MRI. There was going to be this process of seeing a primary care person first, then they refer you out or send you to ER. Yea!! Hubby had been through that before with something else and didn’t like that process. 3) He stated he could just go the ER and pay out of pocket. 4) I contacted our local Urgent Care facility and asked the following questions: a) Do they prescribe pain medication and b) What would be the waiting time?
What happened? We ended up going to Urgent Care. The wait would be 3 hours (ended up being 4). We were in the exam room completing paperwork. Hubby asked if they took his insurance. They told him no!! I already knew they accepted my discount plan and was very happy about that.
Wait? They didn’t accept his insurance? NO.. NO and NO!! Mind you if he had went to the ER not one of those stand alone ones because they really costs a lot and you don’t get billed. You pay it all up front. Going to the ER under his insurance would have cost him up front $350 (that’s the deductible). That doesn’t include if they had to do any xrays, etc.
For the person who doesn’t have insurance, going to the ER in Colorado could be anywhere from $150 to several thousand dollars. YIKES!! What did this trip to Urgent Care costs us…. normally it would have been $160, with our discount plan we paid $120. Savings from not going to regular ER $230!
Let’s talk about the prescriptions. When I got to the pharmacy and was asking how long it would take, the pharmacist told me about 25 minutes. She also said let me look these up because one of them is really pricey. So she told me one of the prescriptions was regular $95 but with my discount it would be $57. Oh, you know I was happy. Saving another $38 on one medication when medications are costly, we’ll take it. The second medication costs $21. Total investment: $193.
Here’s a look at what the numbers would have been IF we had used his health insurance $350 out of pocket plus the cost of the medication. For this scenario we’ll keep the discount in place. We would have been out of pocket that day a minimum of $428.
Savings total: $235
Do you think my husband was glad to have me there navigating the waters between health insurance and our discount plan to ensure he got the CARE he needed that day?