Monday, August 29, 2016
No More Drinking The Cool-Aid - Medical Care Outside The US
We rented a car so that we could drive over to the big city of Ponce for a visit with dermatologist Dr. Jaime R. Villa-Colón. He was recommended to us by one of the cruisers here in Salinas and she couldn't say enough about him...
I've got a few spots that have been behaving strangely and just wanted to get them checked out.
Our biggest fear was the cost. What would it cost for me to see a dermatologist with no health insurance? Bruce has Medicare, and they take it here in Puerto Rico... but not only does it take...like...six months or more to even get an appointment for a skin Dr. in our home town... the cost would be at LEAST a couple hundred bucks for the visit alone... without doing anything!
We entered this professional building and found ourselves taking a step back in time. There was no air conditioning in the common areas, odd... but it was all very clean and quiet.
We had been prepped on what to expect and were completely prepared to wait... and wait... and wait.
We were NOT prepared adequately for the language barrier... There was one woman at the receptionists area who could speak limited English but she was very nice and we got things worked out.
I was called up several times to the desk to answer questions and get our paperwork... the actual medical charts... I took them to our seats and opened them up to complete the forms. They were in Spanish only. No English subtitles. It was a little bit of a shock as I expected that something as important as a medical record would at least be bi-lingual.
I went to work reading the forms and between my limited knowledge of Spanish, the similarities of many words in both languages, and the fact that I knew pretty much what was supposed to be on the forms... I think we did pretty well.
There were only two forms, front and back... not the pages and pages you would expect at a medical office in the States.
Again, we expected to wait... But I was called in after the first patient came out. A nurse gowned me and I waited only briefly before Dr. Villa came in.
While waiting I looked around the exam room looking for anything that would support the level of warning about healthcare outside the US that I was so used to hearing.
The room was ultra-clean. The equipment looked in good repair. They had computers... just like in the US... Everything looked really good!
When Dr. Villa entered, he was very charming and spoke excellent English. We talked a bit and then he looked me over. He chastised me about not protecting my legs adequately as he said I had a lot of sun damage... He was surprised that the rest of me was in pretty decent shape, skin wise anyway! I've always worn simple Oil of Olay face cream with SPF 15, and most of the time when we are going to be in direct sunshine for long periods I wear sun protective shirts. But I will admit that I often go without covering my legs...
Dr. Villa had a student shadowing him on Bruce's exam. He went over Bruce thoroughly and found one small spot on his face to treat. We talked some more about what to look for, he gave us a pamphlet and said we were good to go for another year!
Next, we came to the really scary part. Paying the bill. We have funds set aside in our budget for medical care so I wasn't worried we couldn't pay it... but nobody wants to let go of that little padding in the bank account.... The receptionist flipped back and forth between the papers in the charts... She entered stuff into the computer... then the English speaking woman came up to deliver the news...
Apologetically she said "For you Mrs. Swart, today's visit will be $60... and for Mr. Swart, because it's Medicare... It's going to be $114. so a total of $174.00."
I was speechless... Quickly I schooled my face to appear nonchalant about it while I poked Bruce insistently to hand over the credit card... hurry, before they change their minds! We headed for the door and the elevators to freedom! We only had to get through the parking lot payment window... $2.75!
It was almost 10:30. We had been there for less than two hours... I know that patients in my former employer's office routinely waited in the outer office longer than that!!! And their bill would be more than that for one person, let alone TWO NEW PATIENT VISITS!!!
I've worked in healthcare most of my adult life and sure... I've been drinking the Cool-Aid... but no more!
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Working in healthcare as well, I definitely do not drink the cool aid and wish more people didn't. It is just infuriating, is it not, that Bruce's appt, because they were billing medicare, had to be more expensive. Because their contract said so. That's the part that I just don't want to accept. It's the same for me. If i see someone who has insurance and I am a provider on that insurance, then I'm under contract to charge a certain amount, whether they can afford it or not, whether it makes sense or not. I consider this a scam. And I no longer bill insurance or contract with insurance companies. I'm in the minority, I know, but it gives me a HUGE sense of freedom to not deal with these entities that come between the work I do and the people I serve. They pay me a reasonable fee and they are out the door. no muss, no fuss. And no air-conditioning, either! I'm sharing this post. People need to put that cool aid cup down.ReplyDelete
Good for you for refusing to play the game! Yes it is one of the many things wrong with healthcare in the US... Don't get me started! People just don't understand why you have to charge them more for having insurance... I wish more people knew and understood that it is the Insurance company's contract that requires it! Well... all of that is behind me now and I am purely a consumer. And it feels nice when I get a wonderful value for my money. Thanks for sharing my post!Delete
I have heard a million times not to worry about not having insurance - "there are doctors in other countries." But Thank You for sharing the cost details! It is so much easier to process concrete numbers than vague references to medical care being available. I will definitely need occasional visits to the derm during our travels, and to know there's an excellent review is a huge relief.ReplyDelete
Thanks again for sharing, Tammy! - Jennifer
I was the same! It just seems too good to be true... but that's because it's what we have always been led to believe. Of course we didn't need much, but the friend who referred us there has had some more serious lesions removed in a nearby town and returned to this place for follow up care. Lots of people getting care in Grenada as well... I think there's still a Medical school there! You're very welcome, as you know I love to share!Delete