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Taking Responsibility for Our Health

Posted 19 months ago|10 comments|575 views
Large Intestine and Infusion Pump
Written by
Altruist
Eugene, OR
I met my neighbor at the mailbox yesterday, and he said "Well here's my pump."
I was surprised. My neighbor is strong and the vision of health.

He said it is a Chemo Pump. He said he went in to the doctor a couple of weeks ago for a colonoscopy and they found 17 polyps, one third of them were cancerous. They removed about 8 inches of his lower intestine and he was now receiving chemotherapy which he could do at home with an ambulatory infusion pump.

I gave my neighbor my condolences, but he said No! I feel fortunate. They had caught it early and now he had excellent chances of full recovery.

He said that he had felt great and still did. He had gone in four years ago for a Sigmoidoscopy which just examines the last third of the large intestine, which is where the new polyps were found, but he was free of polyps then. He had asked his doctor how long he might have walked around with the cancer growing before he felt bad or had symptoms, and the doctor said maybe two years! By that time it might have spread and his chances would have been much bleaker.

Colon Cancer is the fourth most common type of cancer in both sexes in the United States. It is most common in people over 50 years old so everyone over fifty should have a screening. See: http://www.medicinenet.com/colon_cancer/...

I felt guilty when My neighbor told me this, because while I did have a Sigmoidoscopy about 5 years ago, while I was still working and had good insurance, since my retirement I haven't been getting my regular check ups.

Continuing my old insurance under Cobra would have eaten up three fourths of my pension, so I purchased a less expensive $5000 deductible plan with a health savings account. The theory propounded by many conservatives is that if the medical services come from your own pocket, unnecessary procedures would be minimized and medical costs would go down.

The reality is that I am a frugal cheap bastard and I only spend money when I need to. Medically that meant that I only went in to see the doctor when something was seriously wrong with me, and I stopped getting my annual checkups and other preventative measures. This is one of those cases where penny pinching might result in much more expensive medical treatments for the insurance company, and could cost me my health or my life.

Taking responsibility for my own health is more than just eating healthy and getting lots of exercise. It also means going in for periodic checkups, and that just wasn't happening with my current insurance.

Now thanks to the new Health Care law, Insurance Companies are going to be required to cover, free and without co-pays, preventative care which includes colonoscopies. This may result in new insurance policy rate increases of 1.5%, but in the long run these preventative measures will reduce medical costs, and save the consumers and the Insurance Industry a lot of money, because it is considerably cheaper to treat these illnesses when caught early, then it is when symptoms indicate the illness is much worse or too late to cure.

The new preventative screening requirements will go into effect on September 23rd. For a list of procedures that will be covered under the new rules see: www.healthcare.gov/law/about/provisions/...

For the news article See: http://www.reuters.com/article/idUSTRE66...
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COMMENTS
19 months ago: Don't you mean you have lapsed on you checkups since you are now on the government plan?
Out Of The Box
Out Of The Box
 Moderator
19 months ago: Maybe the overall cost will be an increase of 1.5%, but the average 26-44 year old will see increases of up to 23%.
Altruist
Altruist
Eugene, OR
19 months ago: Why would the rates increase at all if this move saves the insurance companies money because they will have less sick people they have to pay out for?

I would like to see some documentation about the 23% increase in fees for the young. When the uninsured are covered in 2014 the young will have to pay a bit more because the entire insurance pool will have to pick up many more of the unhealthy. The insurance companies will no longer be allowed to cherry pick the healthiest individuals.

young adults up to age 26 should be eligible for coverage under their parents' insurance — if their parents have insurance that provides dependent coverage.

— Tax credits will be available for individuals making up to four times the federal poverty level, $43,320 for a single person. The credits will vary based on income and premiums costs.

— Low-income singles without children will be covered for the first time by Medicaid, which some estimate will insure 9 million more young adults.

But on average, people younger than 35 who are buying their own insurance on the individual market would pay $42 a month more, according to an analysis by Rand Health, a research division of the nonpartisan Rand Corp.
Out Of The Box
Out Of The Box
 Moderator
19 months ago: http://www.rantrave.com/Rave/Insurance-Premiums-to-Increase-for-the-Young.aspx
Altruist
Altruist
Eugene, OR
19 months ago: Currently the insurance companies can't drop children if they get sick like they used to, and parents can pick up their kids up to 26 right now.

TCG I won't be eligible to get on any government plan until the end of 2013 when I can join Medicare.
19 months ago: I't a nice idea Al, and frankly I hope it works out that way. However the first thing that jumped into my head was California announcing at the beginning of the year that they will only pay for breast cancer screening for woman under the age of 45 or 50 once ever 5 years instead of every year. This was due to a government sponsored research panel finding that an annual screening was not necessary.

19 months ago: Harshaw, I have read info also that says breast screening isn't necessary so frequently. Currently, the way they do it is if you feel a new lump they will do a mammogram otherwise they'll follow anything they suspect could turn into cancer (if a biopsy isn't needed). This is all under the presumption that breast cancer isn't super aggressive so they can wait, roll dice w/your breasts, and hope it doesn't spread if you come up bad.

We can't do this with the colon. Al, I'm glad your neighbor's cancer was caught in time for his life. I have had pre-cancerous polyps myself, but it was caught before mutating.

The bottom line is that people without insurance or w/minimal coverage pay when they are sick. They weigh their options and pay for what they think wont take food off their plate. Many of these preventative procedures cost more than rent. I'm glad the gov is going to cover them. Prevention, in all areas of health and wellness, is the way to go.
Altruist
Altruist
Eugene, OR
19 months ago: The link above listing the free services covered includes # Breast Cancer Mammography screenings every 1 to 2 years for women over 40
# Breast Cancer Chemoprevention counseling for women at higher risk.

We were subjected to all kinds of scare tactics when Health Care was being debated. Most of the things like "Death Panels" were pure fiction. On the other hand the actual death panels were the insurgence companies who determined who lived or died and who determined that a woman with a total breast removal could only stay in the hospital for one day.

I think people will be pleasantly surprised when the reality of the Health Bill shows many benefits and the things the right terrorized everyone with, turns out to be nothing but delusional paranoia.
Altruist
Altruist
Eugene, OR
19 months ago: It is true that 48 States are running budget deficits and California owes $20 billion. To cut that deficit California is increasing sales taxes which hit the poor and the middle class and Schwarzenegger wants to cut Medical costs which might include fewer breast cancer and Prostate cancer screenings, and he wants to eliminate things like in home supportive services which hurts the elderly infirm. Home Care actually saves money because the only alternative is nursing care which is much more expensive.
19 months ago: I looked up the plan for MA. Outside of the free preventative care, the out of pocket deductible is about 5000 dollars a person.

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