“Your insurance is ass.”
It could not have been said more accurately. Yet it was still a bit of a surprise coming from her professional mouth.
We were in our discharge meeting preparing to review financial obligations. My wife, myself, and the social worker. She had walked in the door, greeted us, and opened the meeting with, “Okay, so, your insurance is ass.”
As sole proprietors of a business, and myself the sole employee, we obtained our insurance through the Affordable Care Act (which I remain a fan of). It had a $5,000 deductible, a $6,875 out-of-pocket maximum, and a drug formulary deductible on top of all that. We are talking ‘hasn’t been wiped in a month baby’s ass’ bad.
Here is the thing, and I don’t claim to know the solution, but it doesn’t seem like the best way to send someone off from their recovery from a complete mental health breakdown is to hand them a $7,000 bill that they have no idea how they could ever pay. It is kind of like handing out those little shot bottles of liquor as parting gifts at AA meetings. However, that is what we were facing. Our portion would be $6,875 plus whatever meds I needed filled to continue the drugs I had received in treatment. In practical terms for us, just under 4 months of my take home pay. I might have to sell use of my ass on street corners back home to pay it.
The social worker was sweet and did all she could to help. She advised us of grant assistance that was available and how to apply (still waiting for final word on that after 5 months). She gave us vouchers for meds at the in-hospital Walgreen’s that ended up valued at hundreds of dollars and set me up for 30 days. She did all that she could, including lightening the moment with that opening we will never forget.
We will never forget the details of the bill either. Just over $32,000 for 8 days. Including $125 for each 45 minute recreational therapy session. I enjoyed them. But there were eight of us in supervised coloring and board games. Doesn’t one grand for a small room and a supervisor playing Scategories with us seem a bit excessive?
The most shocking charge was the psychological profile completed of myself. It included 15 minutes of assesment instruction, 90 minutes of direct assessment, an hour reviewing the results with me (fairly insightful), and whatever time was spent by the psychologist reviewing the assesments. Final tab…Eight Large. As in, $8,000. And that didn’t even earn us a copy of the results. We had to request those upon returning home.
Yep, our insurance was…is ass. Unfortunately, only one thing comes out of there.