By | October 3, 2013
I was surprised to see Cover Oregon up and running on October 1st, as scheduled.
When I logged on in the middle of the day, it hadn’t crashed and wasn’t still under construction. The national website, of course, had some struggles. That’s the one folks use if they live in a state that refused to create its own website. “The Department of Health and Human Services said 2.8 million people visited the federal HealthCare.gov since midnight, with 81,000 reaching out to call centers and 60,000 requesting live chats.” One estimate said a million users before 7:00 a.m. on Day 1. That’s a popular website.
Here in Oregon, on Day 1, 80,000 visitors to coveroregon.com looked at 750,000 insurance pages, so apparently there were hiccups, though I didn’t see them.
I went to the “find out about insurance” page on Cover Oregon to find out more detailed information about what individual plans would offer my family. I thought the search engine was very flexible and user-friendly.
I entered the ages and smoking status of my household members and our estimated income.
This allowed me to browse plans, which I could sort and filter, by quality rating, price, deductible, and out-of-pocket expenses (low to high, or high to low, on each of these).
My discount, called my “APTC,” was given both as a yearly and as a monthly total. (“APTC stands for advance payment of premium tax credit.”)
I could also filter my results by level of plan – Bronze, Silver, Gold, Platinum – as well as by insurance company and plan type: EPO or PPO, and by HSA-qualified or not.
What does all that mean?
First, when you use this kind of website, you can “filter” your results by specifying what choices you want to see — for example, only Silver plans, or only high-deductible plans.
Second, when you get a list of results, you can re-order or “sort” them, for example in order of deductible, low to high, so the first results at the top of the list would have the lowest deductible. Or you could sort them by quality rating, high to low, so the start of the list would have 4-star plans, followed by 3-star plans. (Quality ratings come from consumer reports.)
A deductible is the amount you would have to pay before the insurance would start paying for anything. (Monthly premium payments don’t count towards your deductible.) However, even with higher deductible plans, preventive care is still going to be free of charge, by law.
“Level” of plan refers to how much of the expenses it will cover. Bronze plans cover 60%, and you pay the other 40%, for example. Silver plans cover 70%, Gold plans cover 80%, and Platinum plans cover 90%.
How can you figure out what those expenses will be? After all, 40% of $500 is a lot more than 40% of $100. One way to estimate costs might be to use the Health Care Blue Book website. It allows you to enter your zip code and then search for estimated costs of health care.
For example, in my zip code, they estimate an “Office Visit, Established Patient, Level 4 – Moderate or higher problem(s) requiring counseling and treatment, possibly coordination of care with other providers– approximately 25 minutes with the doctor” to cost $173.
If you had a Bronze plan, you would pay about $69; Silver, $52; Gold, $35; Platinum, $17.
(If we lived in Jackson, Mississippi, the same visit would cost $161. If we lived in central Washington, D.C., it would cost $211. That is one of the values of the Health Care Blue Book – eyeballing different rates for different places.)
About the acronyms:
~~ EPO plans are “Exclusive Provider Organization” plans, and they don’t cover anything out-of-network except in case of emergency. If your insurance was EPO, you could *not* go to a practitioner who wasn’t contracted to that insurance. Out-of-network practitioners are “excluded” by an EPO. If you ask Dr. Google, you should know that most of the rules for HMO plans also apply to EPO plans.
~~ PPO plans are “Preferred Provider” plans. Basically, the insurance “prefers” that you see one of their contractors, but they *will* pay some amount for out-of-network care.
~~ An HSA is a Health Savings Account. It allows you to save money for health issues. They are not taxed, they accumulate from year to year, and they can be bequeathed and inherited.
So I entered our projected taxable income as $51,000 for 2 nonsmokers in the 40s-50s age ranges. (Remember, your insurance discount is based on what you declare as income for your taxes.)
I got back a list of plans. I ordered them by deductible, low to high. I would prefer no deductible at all, because, like everybody, I will delay seeing a doctor if I have to pay for the whole thing ($173?!) without any insurance help.
~~ The Co-op PPO Bronze plan (60% of expenses covered), with no deductible, which I like, is $751/month, less our estimated discount of $154/month, for a total of $597/month for two adults. That’s $298 apiece each month.
~~ Their Silver plan (70% of expenses covered) is $712/month for two, after discount, again with no deductible.
Other plans carry deductibles. Remember, this is the amount you have to pay out of pocket for healthcare before insurance starts paying anything.
~~ Lifewise has a Gold plan (pays 80% of expenses) with a $500 deductible for $658/month after discount.
~~ Moda has a Gold plan with a $750 deductible for $559/month, after discount.
~~ A Moda Silver plan (70% covered) with a $1000 deductible costs $475/month, for two, after discount.
Don’t forget, these are estimated prices specifically for our family’s situation – not yours. We make too much money to be eligible for Medicaid, but you yourself might qualify, in which case you would pay *zero.*
If my twentysomething daughter, who lives with us, chooses to be counted as a dependent on our taxes, she can be included in the policy. (Alternatively, she could file separately and as a low-income adult, she would be eligible for Medicaid. Under the ACA, her Medicaid policy would be required to provide just as good coverage as our private policy would – something that wasn’t true in the past.)
If she were included, her well-below-poverty income would be added to ours, for an estimated $60,000 taxable income. Now our discount is estimated at $256/month.
For three folks:
Co-op Bronze, no deductible, $727/month after discount. ($242 each.)
Co-op Silver, no deductible, $879/month after discount. ($293 each.)
Co-op Gold, no deductible, $1090/month after discount. ($363 each.)
Lifewise Gold, $500 deductible, $807/month after discount. ($269 each.)
Moda Gold, $750 deductible, $678/month after discount. ($226 each.)
Moda Silver, $1000 deductible, $568/month after discount. ($189 each.)
You can’t look at the complete plans online as yet, to find out precisely what it means, for example, to have 60% or 80% of your costs covered. This part of the website is still rolling out. Instead the site can connect you with multiple helpers trained by the state. It says,
“Find a certified insurance agent or community partner to help you apply for health insurance and financial help through Cover Oregon…at no cost to you! Certified agents can sell health insurance through Cover Oregon and can offer advice about carriers and plans. Certified community partners are trained to help you apply and enroll, but they cannot give advice on carriers or plans. You will be able to apply online without help from an agent or partner soon.”
Many are already insurance agents, but others are working just on this project – for example, in my home town, one whose “organization” is listed as “Oregon insurance lady.”
Later this month you will be able to complete the entire process online.
The Dental plans were not open online today. Again, they give numbers to call to get personalized help.
The website also lets you see what practitioners are already contracted with these plans, so you can figure out if your doctor, or a doctor you’d like, is contracted to that company. The Co-op in which I’m interested has a provider list that is 6,566 pages long (pdf file). The list for Providence is 32,767 pages long. It takes a loooooong time to run a < control-f > provider search.
How do we use this information? How do you pick a plan? What we have to figure out – each of us – is:
~~ How often do we need to see a primary care doctor? Their preventive care will be free (generally once a year). If you only go in once a year for a checkup, and if you have a cushion of savings or access to financial help in case of trouble, you might want a higher deductible, lower-monthly-premium plan.
~~ How often do we need to see a specialist? Their fees, and the costs of their diagnostic procedures, are much higher. You might be able to meet a $500 deductible with a single visit to a cardiologist.
~~ How likely are we to need surgery, multiple spendy treatments, or expensive diagnostic testing? Some of these can cost thousands of dollars at one shot, and whether you prefer to have a moderate deductible and lower out-of-pocket cost sharing (e.g. a Gold plan), may depend on your cash flow.
~~ How expensive are our medicines? If you buy expensive medicines every month – well, first ask your doctor for a lower-priced equivalent – but then you might want lower cost sharing, like a Gold plan, so you just pay 20% of your medicine expenses.
(I’m not a financial expert. You can maybe think of other considerations, and how to handle them. “What if I broke my arm skateboarding? What are the realistic odds of that happening?” or “I know I have diabetes and my kidneys have suffered, but I’ve put off going to the doctor. How much medical work will I need? How many prescriptions? Insulin is super expensive.” or “My kid is 5 years old and if I’m going to have another one maybe I should do it soon.” or “These wisdom teeth need to come out NOW.” Et cetera.)
When I looked at my list of plans, in general, the “OOP” – total maximum out of pocket costs per year – were listed in the $6000-$6350 range. This means that if I had a very high set of medical bills, the insurance would have to pay for all medically necessary care, after I already paid that amount. Would this reduce the potential for people to be forced into medical bankruptcy by hundreds of thousands of dollars of medical bills? Stay tuned…
A final word.
For my family – earning about as much as a high school math teacher with a part-time-employed spouse – it may cost $500-700 a month for insurance, and more, eventually, for dental coverage too. That’s a lot. Like everybody, I’d greatly prefer insurance that was quite a bit cheaper!
However, my spouse and daughter and I haven’t had any insurance for years. We all have medical conditions – dental, eye, autoimmune, etc. – that have been only occasionally and partially treated. Like most people, we have muddled along, while our conditions have gradually worsened. We also have outstanding medical bills we haven’t been able to pay yet – some owed to personal physician-friends! Did you think a physician would be immune from these problems? Not in the US of A.
I got an email from an angry reader who said, “I’ll be paying for your health insurance for the next 20 years.” I replied, “Thanks so much – and I’ll be paying for yours, and your family’s.” The Affordable Care Act is a first step in treating healthcare as a human right – a common good that everybody pitches in to support.
Are you angry that your insurance estimates aren’t cheaper? Then please contact your legislators, tell your neighbors, and organize. Tell them you want free healthcare for all, because healthcare is a human right, just like clean water and fire protection and public education and safe highways.
Obviously there’s no point in agitating to go back to the old status quo. The whole nation has gotten sicker under the system that existed mainly to line the pockets of CEOs and shareholders in giant insurance corporations. This system continues to support them – but at least it’s less purely focused on denial of care.
It’s going to be a significant challenge to pay for our insurance, but I’ll be glad to have it, because as a physician I DO know the consequences of undiagnosed, untreated, and often preventable (with preventive care) health problems, and I’d rather take on the equivalent of a car payment now, than deal with the costs – financial, social, and emotional – of disease and disability later.
Live long in Oregon.
By | September 15, 2013
I have been learning so much about Obamacare! One major thing I have learned is that many folks have the exact wrong idea about it. I mean, what they think is true is the opposite of what is true.
For example, one woman told me, “If you can’t afford to pay for insurance, they just add the cost to your taxes.”
Another person told me, “They give you a penalty that costs more than the insurance, and that’s how they get you to sign up.”
Another person said, “It doesn’t cover medications, so you have to pay the full price for all your medicine.”
Yet another person said, “If you have Medicare, you have to buy Obamacare as your secondary insurance.”
There’s a lot of confusion, partly because corporate profiteers are spreading disinformation and lies.
Here is the way I understand it. And please remember that I am vitally concerned, since I have been denied health insurance, due to a pre-existing condition, for the past 4 years. (In other words, under the current system, now that I badly need health care, I can’t get coverage to help pay for it.)
What? A doctor can’t get health insurance? You heard me right. As an old-fashioned neighborhood MD, I am a small business owner, not a salaried employee of a giant healthcare corporation. I look forward to signing up for Obamacare at Cover Oregon, and I urgently want to know what it will cover, and how much it will cost.
Cover Oregon is the insurance marketplace (a.k.a. “exchange”) for Oregon. It’s a website. When you hear “exchange” or “marketplace,” think “website.”
It’s where you can go to shop for insurance, starting October 1st this year – two weeks away, at this writing. Of course, rolling out a huge website can be tricky, so I won’t panic if it’s glitchy at first. The insurance coverage starts on January 1st, 2014.
There are a whole bunch of insurances available at Cover Oregon, including insurances that never existed before, and insurance co-ops owned by members rather than by giant corporations. Applications for Medicaid, also known as the Oregon Health Plan (OHP), will be there too. OHP won’t have a waiting list or a lottery anymore. Ditto OMIP (the Oregon Medical Insurance Pool).
Medicare is not included. Medicare has its own website. Nothing new is happening to Medicare due to Obamacare.
Individuals and small businesses who buy insurance at the Cover Oregon website are eligible for discounts, to make the insurance affordable. Other insurances – for example, giant-corporation insurance, provided by a large employer, outside of the website – don’t get these discounts. (Large-employer insurances are not expected to change much as a result of Obamacare. They’re completely separate from the brand-new Cover Oregon insurances.)
How do these discounts work?
The discounts are technically called “tax credits.” As far as I can tell, they are called that as a result of a bunch of political mumbo-jumbo. Some lawmakers don’t like the idea of people simply getting discounts, so they label them as tax credits. It doesn’t matter. It’s money off, so you don’t pay as much for insurance.
Some folks start feeling confused as soon as they hear the word “tax.” Taxes usually involve a lot of math, and they don’t like thinking about it. Some people are also calling them “subsidies.” When I hear “tax credit” or “subsidy,” I think, discounts.
According to this brochure explaining the rules (pdf), when you sign up for insurance at Cover Oregon, you can “Tell them you want the tax credit ‘in advance,’” and then your insurance premiums (the amount you pay each month) cost less. You get the discount up front. Your insurance comes at a lower cost every month.
When tax time rolls around, your insurance will send you a statement showing how much ‘tax credit’ you already received (as a discount on your insurance), and you file your taxes with that information.
OR ELSE, when you sign up for insurance, you can tell them you do NOT want the ‘tax credit’ in advance; you pay the full premium every month, without any discount.
But then when tax time rolls around, you get the money back. The government owes you the ‘tax credit’. You pay lower taxes, or you get a bigger refund.
The amount of discount you get depends on your income.
~~ If you don’t make much money, you get a bigger discount, to make the insurance affordable. If you make a lot of money, you don’t need as big a discount, to make it affordable.
~~ If your income changes, or if your family size changes, you call your insurance and have them adjust your discount.
~~ If you have a situation that makes your income change every month, you can even take a ‘partial credit,’ so you pay a lower insurance premium every month, and then you take a smaller credit at tax time. You are the one in control of how much discount you get.
Obviously, I am explaining here about insuring individuals and families. The program is very similar for small businesses insuring their employees.
Here is a real-life example.
I am 52 years old and expect to make about $50,000 this year. I have three adults in my household. According to the website calculator, as a rough estimate, an average insurance policy would be worth $1,486 per month. However, due to our household income, we are eligible for a 77% discount. We’d pay $342 per month after this “up-front” discount.
As required by law, the insurances on the website have listed their projected prices. Interpreting these must be done carefully. You have probably heard a lot of nonsense already about high premium prices. Because of the Affordable Care Act, what the premiums cost is not always the same as what you may pay.
How much will you pay?
There are several levels of coverage to choose from: Bronze, Silver, Gold, and Platinum. Each of these offers the exact same set of services – but they cost different amounts.
Bronze coverage pays for 60% of your healthcare costs, and you pay the rest, in some combination of deductibles, copays, and coinsurance charges. Silver pays for 70%, Gold for 80%, and Platinum, 90%.
Bronze insurance has the cheapest monthly premium cost, for example, but whenever you use it, you have to pay 40% of the doctor bill.
Each insurance company on the exchange will offer each of these plans, and different companies will charge different amounts. The website allows you to easily choose which one you like the best.
Let me explain how insurers decide how much to charge for premiums.
Every year, insurances submit to the State their proposals for how much they want to charge consumers, in premiums and other fees. The State then argues with them, to try to get consumers the best deal. They reach an agreement, and the results are published for all the world to see.
This process has been in place forever, because otherwise, corporations would charge even more money, and deny even more care.
This year, the new “Obamacare” insurances on Cover Oregon submitted their proposals and made their arguments along with all the other corporations, and then the state published the results.
Here are some representative premiums allowed, by State law under Obamacare, to be paid to insurers. These examples are for the Eugene area where I live (pdf-linked as “Eugene area/ Benton, Lane, and Linn counties: Individual” approved rates).
PacificSource would charge $187 monthly for a Bronze plan (covering 60% of medical expenses), for a single 40-yr-old nonsmoker. (By law, under the ACA, it doesn’t matter any more whether it is a man or a woman.)
The Moda company would charge $271 monthly, for a Gold plan covering 80% of expenses, for the same person. (Moda is the Obamacare alias for the ODS corporation.)
There’s quite a range between insurance companies.
~~ Moda would charge $469/month for a Silver plan (covering 70% of expenses) for a single nonsmoking 60-yr-old.
~~ Trillium would charge $724/mo for the same level (Silver), for the same person.
What is the difference? You’d have to see what these corporations offer in their policies, to tell the difference, and to decide which one is better for you.
Note: Moda might charge $469 a month for that policy – but it doesn’t mean the person has to pay that much! Depending on income, they would receive discounts to make the premiums affordable; the government would pay the remainder of the Moda bill.
As you can see, the Federal and State governments have a huge incentive to keep these corporations in line.
There’s also quite a range in the difference between what the insurances first asked for, vs. what the State commission approved. This also was published.
~~ For example, Trillium took a 32.4% cut in the premiums they’d wanted to charge. (This might mean they’d originally hoped to get $960/mo for the Silver plan mentioned above.)
~~ However, LifeWise was more reasonable, and received just a 1.5% cut in the premiums they originally asked for. These differences are also published (by law).
Remember: the Obamacare premiums you see listed in news stories are NOT necessarily what customers have to pay. Rather, they are the amount the insurance corporations expect to collect: the maximum allowed by law, with the State’s approval, re-negotiated every year as usual.
For people who are the lowest income, who can’t afford any of these levels, Medicaid (OHP) is also available on the website, which is health insurance that is free of charge.
The Affordable Care Act has expanded Medicaid eligibility. This means that people who were denied Medicaid in the past, for whatever reasons, might be eligible for it now. In Oregon, the Medicaid program was so under-funded that there was a long waiting list, just to join the lottery that determined whether you were eligible. The new funding from the government means no more waiting list and no more lottery.
For the time being, there are also some “catastrophic” plans that are offered, but only to people under 30 who are very low-income. Just like pre-Obamacare days, these policies are very high-deductible (meaning, you have to pay thousands out-of-pocket before the corporation pays anything), but have very cheap monthly premiums. They are designed to just cover expensive hospitalizations in the case of a medical catastrophe, like getting hit by a bus. They aren’t usually a good deal. Very few people have literally zero medical needs outside of catastrophe.
Once again, whether you pick Bronze, Silver, Gold, or Platinum, your policy is required to provide the same coverage, including “doctor visits, hospital stays, maternity care, mental health care, emergency room care, prescriptions, preventive care, vision coverage for kids and more. Some plans cover alternative care, too. Dental coverage is also available.” (Dental coverage is usually surprisingly cheap!)
The only difference between the levels is how big a portion you have to pay. If it costs a hundred dollars to go to your doctor, you’ll pay about $40 with a Bronze plan or $20 with a Gold plan – but it’s the same doctor visit that is covered, the same actual care.
Of course the website – the “marketplace” or “insurance exchange” – is only just one part of Obamacare overall. Most of the other parts have already been in place for years! You’re probably already used to them:
~~ Young adults are allowed to stay on their parents’ insurance after they turn 18.
~~ Children can’t be denied insurance due to a pre-existing condition.
~~ People can’t be kicked off their insurance for getting sick or injured.
~~ The Medicare “doughnut hole,” a deal George W. Bush made to fatten corporate pharma’s profits by charging seniors more for medicines, is being closed.
~~ Insurance policies have to provide preventive services, like checkups and mammograms, for free.
~~ Corporations are required to spend 80-85% of their earnings on actual care, not on CEO bonuses.
Remember how the opposite used to be true? When you hear Republicans complain that they want to get rid of “Obamacare,” that’s all the stuff they mean – not just simply the Cover Oregon website. It’s the whole ball of wax that rubs profiteers the wrong way. They prefer to just collect premiums and deny care.
It’s easy for me to see why some people don’t like Obamacare. I don’t mean the ordinary people who don’t understand it yet. I mean corporate profiteers who aren’t in business for health, but for money.
Part of the point of the Obamacare law overall is to make healthcare understandable, accessible, and affordable. But profiteers have made billions and billions of dollars by keeping it mystifying, exclusive, and expensive – in some cases, trying to buy elections to ensure it.
It is silly to think that it’s “the government” or “the doctors” that made it that way. Take a look at where the money goes, and you’ll know who benefits from a care-denying, care-excluding system. They stand to lose by making the system fair, and they know it. That’s why they’re putting up billboards ads and billboards full of lies, and throwing up roadblocks in Congress. Fortunately, Obamacare has already been law for 3 years, and it’s not going away.
Oh, and about that penalty?
It’s $95 per person for 2014, or 1% of your household income, whichever is less. That is what you have to pay if you decide not to have any health insurance whatsoever. “There are, however, a number of exemptions to the penalty. For instance, Americans who qualify for Medicaid coverage but live in states that have not taken part in the law’s expanded Medicaid will not be charged. Neither will people who are temporarily uninsured while between jobs, those who are opposed to having insurance coverage for religious reasons, or members of Indian tribes.”
The penalty will go up.
~~ In 2015, it will be $325 per person (18 and up), or 2% of income.
~~ In 2016, it will be $695 or 2.5% of income.
~~ In subsequent years, it will be $695 + a “cost of living” increase.
Kids under 18 are half-price.
The penalty was a classic Republican strategy, to make sure that people have to bear at least part of the burden of their care – so that when uninsured people end up in the emergency room, taxpayers don’t foot the entire bill. If you think about it, it is fair. You aren’t forced to sign up for health insurance, but you do have to chip in on the public funds that cover you (partly or fully), if you do get hit by that bus.
FAQs for individuals and families: http://www.coveroregon.com/who-we-help/individuals-and-families/
FAQs for small businesses: http://www.coveroregon.com/who-we-help/small-businesses/
Watch Oregon-made Youtube videos that explain the program, linked at: http://www.coveroregon.com/cover-oregon-launches-new-tv-ads/
By | September 15, 2013
I have been having a hell of a week – by which I mean, a lot of people I know have been having a hell of a summer, and they came in to tell me about it.
For example, I know two different young professionals, unrelated – they don’t know each other, but I know each of them – who each suddenly suffered profound brain injuries, involving multiple surgeries and extended-term treatment. I was discussing these events with their families.
The formerly-upper-middle-class families are now readying themselves for bankruptcy, having emptied their personal and retirement savings accounts, in a hurry; the repossessions and foreclosures are moving ahead. One spouse, a medical practitioner, said, “I can’t even get a credit card anymore.”
Both of these young professionals had “good” insurance. It did not provide “good” protection. They didn’t find this out until now.
Another person this week told me their formerly-fit, middle-aged spouse unexpectedly had a series of heart attacks. “We didn’t have any insurance. We moved here planning buy a house. Now we never will.” This spouse will never “retire.” This spouse will need to continue working, at whatever blue- and pink-collar jobs they can get, until disabled themselves, because they owe so much in hospital and doctor bills, and all their resources are gone.
Another person told me how their young(ish) relative died of an aggressive form of a rare cancer, after receiving oncology treatments he didn’t understand and didn’t want.
He had been a small business owner who never could afford health insurance, but also had been too healthy to worry about it. Oncologists kept telling the family that chemotherapy and radiation would “extend his life,” but it turned out the “extension” really only meant a few extra weeks of suffering. He didn’t live long enough to enter hospice, which was delayed because his doctors were focused on his “life extension” treatments. At least, that’s the way the grieving family understands it. The bank is now foreclosing on the dead man’s house.
One of my patients, an elderly disabled musician, came in after missing four appointments with me this summer – didn’t cancel them, just simply no-showed (four times!) – because, it turned out, his spouse had moved out and his monthly disability check is not enough to live on. The cable and internet were turned off, and the bank is foreclosing on the house. He doesn’t think he can pay this month’s light bill. No living family members to ask for help, no friends with money or resources, no savings. He couldn’t afford to keep his doctor appointments, and hadn’t filled any of his prescriptions for the last couple of months.
It appeared he just came in to say goodbye. He confided, “I’ve held my gun up to my head a few times this week.” I was able to talk him into going down to the hospital for emergency help, but he declined to get rid of the gun. “I can’t live in the homeless shelter with my kitties, and I can’t get a job.” His description of having nothing whatsoever to live for was compelling, even though it’s my job to disagree.
One story of economic disaster after another, provoked or intolerably exacerbated by medical hardship.
Cover Oregon, our state Obamacare agency, recently held a
question-and-answer forum on reddit dot com. I guess they didn’t expect the volume of questions they received. Comments included:
“I’m a divorced 53 year old Oregonian with an income of less than $20,000 a year where it used to be over $30,000 ten years ago. After child support, I don’t even make enough to live in a place of my own, let alone pay for health insurance at any price.”
“I have had cancer and require monthly medication for the rest of my life… I currently am taking care of my elderly, ill mother and am unemployed and have exhausted all unemployment benefits. I do not got any payment for taking care of my mother as well, who can not be left alone due to Alzheimers.”
“I am 52 years old, I live with my disabled husband in subsidized housing in Ontario, OR. He receives healthcare and SNAP benefits [food stamps] from the state of Oregon as well as SSI benefits [Social Security]. I have had my name on the healthcare lottery list since relocating to Oregon a year and a half ago. Will I be able to sign up for healthcare and finally receive it?”
“I have had insurance for years. We pay $900 a month with a $10,000 deductible. We own our business and make under $60,000 a year. Is there relief in sight?”
“I’m in the Public Employee Retirement System, on a Public Employee health plan… Our monthly premium is about $1500 per month, about half of my take-home pension.”
“My daughter in Oregon has no assets other than a car and I provide her with other resources such as an apartment and food. Can she still qualify for Medicaid?”
“I am a terminal cancer patient just now moving onto Long Term Disability. How do you determine income? As you can imagine, my income dropped substantially when I left work.”
Fortunately, in many, if not most, cases, Obamacare has good news, which I will detail in another post. But for now, I’m just saying, it’s been a hell of a week: I am saturated with alarming and heartbreaking stories, just among the people I know personally.
Again, please note that many of the folks I’ve been talking to already have health insurance. They have it, but it doesn’t pay for what they need, or they have been impoverished by paying for it (“Our monthly premium is about about half of my pension”). In many cases, their health insurance seemed just fine, until they got sick – got cancer, or had a ruptured aneurysm, or had a heart attack, or two.
They weren’t lucky enough to get old and get Medicare before they got sick. It happened when they were 32 – or 45 – or 53. And the necessity of health care led to the financial ruination of their lives. And sometimes that ruination can lead to suicide.
As a doctor, I’ve got to say, I really, really, really, really don’t like this. Our health care delivery system is the equivalent of putting a slow acting poison in the water. The most vulnerable succumb first, but in the end, everybody gets it.
What does this mean?
“Last month, the labor force participation rate dropped to 63.2%, its lowest level in thirty-five years. That’s pretty remarkable, especially for an economy that is supposedly in its fifth year of recovery.”
What does that mean?
“Employers added 169,000 jobs in August… and the unemployment rate fell to 7.3%… not because people found jobs but because they gave up looking… The share of the population that is working or looking for work – a measure known as the participation rate – fell to its lowest level since 1978.”
Here is what it means.
“Estimates for 2013:
… Nearly 17 million American adults (ages 19-64) will receive a lower credit rating on account of their high medical bills.
… Over 15 million American adults (ages 19-64) will use up all their savings to pay medical bills.
… Nearly 10 million American adults (ages 19-64) will be unable to pay for basic necessities like rent, food, and heat due to their medical bills.
… Despite having year-round insurance coverage, 10 million insured Americans aged 19-64 will face bills they are unable to pay.
… 1.7 million Americans live in households that will declare bankruptcy due to their inability to pay their medical bills.
…Furthermore, 25 million people hesitate to take their medications in order to control their medical costs. Unfortunately this can lead to even worse financial outcomes.”
The implications might surprise you.
“White women lacking a high school diploma experienced a five-year decline in average life expectancy from 1990-2008, the largest of any demographic… Such a drop is almost unheard of for any demographic in the history of the U.S… With fewer opportunities for those without high school diplomas, declining health is likely a result of poverty itself.”
…And that’s what I’m seeing. People who recently led normal, productive, relatively-happy lives, are currently dying, disabled, dislocated, disconsolate – for want of the unimaginable amounts of money necessary to buy their health and safety. The bell tolls for all of us, and for our future.
Obamacare might not be perfect – I was rooting for very simple socialized medicine, available to everyone regardless of social class, rather than for multinational insurance corporations to win and take all – but the fact is, it’s at least a taste of what’s been desperately needed for so many years now. I had a bad week, and my friends had a bad summer, but I do have good news about Obamacare. See next post.
By | August 8, 2013
I keep running across interesting news stories that seem to paint a picture of the world we live in these days, and I usually post them to Facebook. However, it’s pretty hard to ever find them again, on Facebook… So I’d better start posting them here!
In that spirit, here’s a wee roundup from the Internets of the New Millenium – Summer edition. What’s been going on in the world of gender variance?
In May of 2012, Tom Gabel, lead singer of punk band Against Me!, shocked the music world by announcing that he was transgender and had started the process of becoming a woman, taking the name Laura Jane Grace.
…Grace’s wife… speaks openly about standing by the singer through the transition. “In my mind, I married a person with whom I fell deeply in love… I’d always thought I was just straight. But now I know that really the right girl hadn’t come along yet.”
Gender-nonconforming media personality B. Scott, who is openly gay, is suing Black Entertainment Television (BET) for discrimination… B. Scott was hired as a Style Stage Correspondent for the Ford Red Carpet before the 2013 BET Awards in Los Angeles in June… The plaintiff claims he was dressed in a pre-approved black tunic and pants. After the first segment, however, he was allegedly pulled backstage, told his outfit was unacceptable and asked to change. He was later replaced by singer Adrienne Bailon, even though he changed into men’s clothing.
He explained in a statement on his website that he accepts the term “transgender” and he feels his spirit lies somewhere “in between.” He feels it is because of that very identity he faced discrimination. (Editor’s note: …We have used male pronouns but have been told that B. Scott does not object to female pronouns either.)
An ABC News editor… Don Ennis, who in May asked friends and colleagues to call him Dawn after what he said was a seven-year battle with his identity, is reverting to his former gender after a two-day bout of amnesia.
After just a three-month stint as a woman, Dawn Ennis was rushed to hospital because he thought he was having a seizure, according to the New York Post, and he was experiencing a loss of memory… The confused news editor, a father-of-three, thought the year was 1999, and couldn’t understand why he was a woman. Mr Ennis’s memory has now fully returned, and while he remembers choosing to go through the gender switch, taking hormones to change his body, he now says: ‘It appears I’m not transgender after all.’
…The Connecticut journalist explains that while his memories of the last 14 years have returned, his female identity did not. He says he is no longer wearing women’s clothes… However, he vows to be a staunch advocate for equal rights and LGBT issues.
The 49-year-old journalist told friends and colleagues in May this year that he believed his gender mix-up was linked to his mother giving him oestrogen as a child to prolong his childhood acting career. However, he says he ended up developing breasts and thinking as a woman. After years of living with a condition which doctors were unable to explain, he said, he finally decided to switch genders.
…He now hopes that friends and colleagues will not think his reverting back to be a male again is a joke, or because the change was too hard.
Chris Beck spent two decades as a Navy Seal, fought in Iraq, worked in secret behind enemy lines and saw more death and destruction than most of us could handle. All the while, he harbored a secret: he identified as a woman trapped in a man’s body.
After retiring from the Navy Seals (his unit went on to be the one to perform the raid on Osama Bin Laden’s compound), Chris decided to do something about this: he came out as transgender. Chris is now Kristin, and he has never been happier.
…”My Seal team brothers said, ‘you stood the watch in the field for 20 years and you did a great job. I don’t understand it one bit but I support you 100% and I hope I can learn more about this and see you at the next reunion.’”
Transgender Americans are twice as likely as their cisgender (non-trans) peers to serve in the Armed Forces, according to a study’s findings released today by the Williams Institute at the University of California Los Angeles’ School of Law. Twenty percent of trans people surveyed have served in the military, compared with just 10% of cisgender people. Nearly 30% of trans women reported serving in the military, while nine percent of all trans veterans surveyed said they were discharged for reasons relating to their gender identity.
…The study also revealed that trans and gender non-conforming veterans were more likely than their cisgender peers to have lost a job, due to anti-transgender bias, with 36% reporting they were fired because of their gender identity, and 53% reporting they were not hired by a prospective employer because of their trans status.
It has been nearly two years since the end of “Don’t Ask, Don’t Tell” (DADT)… However, being transgender is still grounds for “rejection for military service.” …By the letter of the law in military regulations therapists have turn in anyone who is transgender.
…Some transgender service members have leadership willing to turn a blind eye to the situation because they don’t see a need to lose a top performing Soldier, Sailor, Airman, or Marine. Others have found acceptance from their peers. Often the most disapproving people in the military are the people who are supposed to be the most accepting: Chaplains.
Increasingly, the situation for transgender people in the military looks like it did for lesbians and gays during the final decade of DADT.
The Palm Center, a California-based research institute that examined issues associated with the military’s “don’t ask, don’t tell” policy for more than a decade, received a $1.35 million grant to study transgender service in the American military.
A recent census of the homeless population in San Francisco found that 29 percent of them identify as gay. That is twice the share of the city’s total population that is gay, lesbian or transgender… It’s typical for young gays, who have often fled hostile environments, to make up a large proportion of the homeless who are under 25 — perhaps as much as 40 percent in major cities such as Boston and Los Angeles.
But the generation of gays who came of age in the 1970s and 1980s — those who saw their friends decimated by AIDS — are now overrepresented among the homeless, as well.
…”The fact that folks weren’t able to legally marry and have those traditional ways of being able to set up retirement, those folks are particularly impacted,” says Lisa Marie Alatorre, a human rights organizer… Many — particularly those who are older or transgender — have been wary of going to existing shelters for fear of discrimination or abuse.
Rep. Mark Pocan, a Democrat from Wisconsin, introduced a bill last week to bar homeless shelters from discriminating against people on the basis of sexual orientation or gender.
The Runaway & Homeless Youth Act, co-sponsored by Rep. Gwen Moore, also a Democrat of Wisconsin, would rescind federal funding for any organization violating the directive… As many as 40 percent of the people seeking services at homeless shelters in some areas may be young gays and lesbians… Many religious organizations spurn such clientele.
A 16-year-old transgender teen from Manteca, Calif., on Wednesday delivered petitions containing more that 6,000 signatures urging Gov. Jerry Brown to sign legislation that would change the way California public schools treat transgender students… The bill would require public K-12 schools to let transgender students choose which restrooms they use and which school teams they join based on their gender identity instead of their chromosomes.
Some school districts around the country have implemented similar policies, but the bill’s author says Brown’s approval would mark the first time a state has mandated such treatment by statute. “It’ll let me be a regular boy at my school,” said Ashton.
[Op-ed:] California is probably about to become the first state to spell out in the law what school districts must do so that transgender students aren’t discriminated against… It’s already a crime to not acknowledge and accommodate a person’s gender identity. Even if not a crime, plain ol’ good manners demand it.
So make the accommodation and move on. Just as a number of school districts have done. Los Angeles Unified, the nation’s second largest school district, passed a policy in 2004, updated in 2011, aimed at preventing discrimination against transgender pupils. The district has yet to log an incident or a lawsuit from a parent horrified at boys in the girls’ bathroom or a transgender kid saying their needs weren’t being appropriately addressed.
San Francisco Unified School District has had a policy for a while. Also Willits Unified School District in Mendocino County and San Rafael City Schools, for example.
… Transgender is the Advanced Placement test on LGBT equality.
Starting this summer, more than 500,000 students in the 34 institutions that make up the Washington State Community and Technical College System are being asked to answer optional questions about their sexual orientation and their gender identity on registration forms. This is the first time that an entire system of two-year colleges will track data on students who identify as LGBTQ.
…In 2011, Elmhurst College, a private institution in Illinois, became the first college to ask such questions on an undergraduate admission application. One year later, the Massachusetts Institute of Technology also added a question about students’ sexual orientation/gender identity on its admissions application. In 2012, the University of Iowa became the first public institution to add questions about sexual orientation and gender identity.
…If a college becomes aware that it has a number of transgender students, for example, it can take steps to address the needs of that community — such as creating gender-neutral restrooms and housing on campus.
Focus on the Family continues to oppose inclusive policies for transgender students, encouraging those who agree to urge California Gov. Jerry Brown (D) to veto a bill that would create gender identity protections in schools. In a guest post from its California affiliate, the California Family Alliance, Focus on the Family argues that such protections will force teachers to become “identity keepers” for “confused” children.
The graduation ceremony at St. Pius X High School in Albuquerque, N.M., on Wednesday was one student short, as a transgender teen refused to participate in the commencement exercises because the school told him he would have to wear a female student gown.
District of Columbia mayor Vincent Gray on Tuesday signed a bill that would make it easier for transgender people to obtain new birth certificates reflecting their change in gender identity… requiring only a certified statement from a medical doctor. Previously, a change would have required public notification in classified newspaper advertisement and surgical requirements.
Governor Kitzhaber has signed House Bill 2093, making Oregon just one of a handful of states to remove the onerous surgery requirement imposed on transgender Oregonians seeking an accurate birth certificate. Transgender Oregonians will now be able to access a legal change of gender without costly, undesired or unobtainable surgeries.
Additionally, the Social Security Administration announced they will remove the surgery requirement for transgender people nationwide seeking to amend their gender marker on a social security card.
…The removal of the [Oregon] surgery requirement becomes effective on January 1, 2014… To obtain a legal change of gender court order… you will need a letter from a health care provider stating that 1) you have had appropriate treatment for the purpose of gender transition, and 2) that you have completed sexual reassignment… You can save time and money by obtaining the name change and a legal change of gender in the same court proceeding.
President Obama’s impatience with Russia flared when he criticized the country’s new anti-gay law… “I’ve been very clear that when you are discriminating on the basis of race, religion, gender or sexual orientation, you are violating the basic morality that I think should transcend every country,” Obama said, according to a transcript of the Tuesday night interview. “And I have no patience for countries that try to treat gays or lesbians or transgender persons in ways that intimidate them or are harmful to them.”
Twenty-five percent of Fortune 100 companies offer trans-inclusive health benefits, according to a Human Rights Campaign fact sheet… Public bodies like the cities of Portland and San Francisco, and Multnomah County (where Portland is located), have also offered trans-inclusive care to their employees in the last few years.
More employers have started offering benefits to work around the fact that most private insurers either provide limited access to transition care (hormones, but not surgery) or issue policies with clauses explicitly refusing to cover any medical care related to gender transitioning.
Those clauses give insurers the ability to reject all kinds of claims… Getting even ordinary claims accepted can be tougher: a [transgendered man] was asked to pay out-of-pocket to set a stress fracture in his leg, after the insurer argued that hormone therapy must have increased the likelihood that the bone would break.
California, Oregon, Colorado, Vermont, and Washington, D.C. have all passed laws prohibiting insurers from issuing policies with clauses that discriminate against transgender patients.
Mary Going, 46, a former non-profit consultant from Oakland, California, wanted to wear a suit to her same-sex wedding in 2008, but found the shopping process demoralising. Nothing fitted and often there were no dressing rooms. And salesmen looked at her strangely when they realised she wasn’t shopping for a son. “They didn’t want to serve me,” says Going. “You could feel it.”
She soon learned that she was not alone, and last year Going started an online suit store, Saint Harridan, that specialises in classic men’s suits tailored for women. It joins a fresh crop of untraditional fashion brands and style blogs that cater to butch lesbians, transgender men, the androgynous and tomboys – underserved customers who might call themselves “masculine of centre.”
…Unlike traditional women’s suits, which often emphasise feminine curves like breasts and hips, Saint Harridan’s suits create a masculine silhouette. To do so, every aspect of the suit was re-engineered. Shoulders were narrowed to fit smaller frames, lapels were tweaked to lie flat over the bust, and pants that accommodate hips.
Chrysalis… claims to be the first lingerie line designed for and by transgender women. The brand’s mission is twofold: It aims to provide a solution to transwomen and make them feel beautiful and sexy, as well as change negative preexisting views of the transgender community.
…The bra comes equipped with hidden pockets to hold full-cup silicone inserts, and the panty, cleverly named a T-string (a play on the G-string for transgender women), is made of power mesh elastic and specially developed technology that tucks in and lifts the “venis”—Lauz’s term for a penis on a woman—to create a seamless look.
Chrysalis Lingerie’s new line debuted this week… I eagerly clicked the link for the store. My jaw subsequently hit the floor, and I don’t mean that in a good way.
…Chrysalis claims that this is their basic line, meant for “everyday wear.” Which means you would need at least seven of the underwear at $85 apiece if you planned to wear them every day (totaling $595). Chrysalis’s price tag is simply not feasible for most trans women.
…Since the company caters to transgender women, I figured it would go without saying that I would find the higher band sizes and smaller cup sizes that my body requires. For most trans women, our bone structure makes our shoulders and chests quite robust… The largest band size that Chrysalis is currently selling as of the launch of their website is a 38D. They don’t sell a 38A, 38B, or 38C.
…A word of advice to trans women: Go to your nearest Target. Buy a two pack of push-up bras ($24 for 2), and Target’s bra inserts ($12). Then go to Herroom.com and buy the Vasserette Control Shapewear Panties ($2.50 each), they do wonders for helping your tuck. There you go! You just saved yourself a lot of money, you can afford to buy enough to wear every day, and best of all you look fabulous.
…1. Treat trans people as you would treat anyone else. Don’t do things to call attention to a trans person, even if your goal is to let that person know that you accept him or her – no winking, smiling, little innuendos.
…2. Use the correct name and pronoun. The correct name is whatever the person has given you. The correct pronoun is whatever gender the person is presenting. Most cultures have clothing or other appearance markers that designate gender for that culture – that are considered masculine or feminine.
…3. If you make a mistake with a pronoun or name, move on. Don’t make a big deal out of it. If you are alone with the person, apologize and drop it. If you are in a crowd, just move on.
…4. Don’t say, “I’ll never get that pronoun (or name) right.” When you say this, you are saying, “I don’t care enough to try.”
…5. Don’t say, “You will always be a man (or woman) to me.”
…6. Don’t touch the person inappropriately or ask personal questions unless you are invited to do so… Touching something on a person to see if it is “real” or asking personal questions about a person’s body or sex life is inappropriate.
…7. Don’t “out” a trans person. If you see a person on the street that you know to be trans, it is a private matter and not appropriate to tell your friends.
…8. Don’t make assumptions. Don’t assume that the trans person you are talking to is politically liberal (or conservative), straight (or gay), happy (or unhappy), poor (or rich), and so on. We are all very different. And don’t assume that this person wants to educate you about trans issues or even discuss them.
By | July 10, 2013
Out of the 75% of respondents who indicated they have a doctor, half have not had their doctor comment on Obamacare.
But I’ve been talking to my patients about Obamacare! It’s a subject I am super concerned about.
In my dreams – this is me, singing directly to you.
Here’s why (real people whose identities have been obscured for privacy):
Patient A has a catastrophic-only policy, because premiums are unaffordable otherwise. This means if he tries to get the colonoscopy he needs, he will have to pay thousands of dollars out-of-pocket for it. This means I exert my ingenuities to help him weigh the pros and cons of delaying versus trying to locate an affordable endoscopy place within reasonable driving distance.
Patient B has no insurance and has been delaying getting blood tests for a long time. The blood tests distinguish one kind of diabetes from another, and they are not cheap. Different kinds of diabetes ultimately need different kinds of treatment, although you can get along for a while doing your basic blood-sugar-lowering and lifestyle treatments.
Patient C has the same situation, only the issue is an EKG and echocardiogram to tell us whether the irregular heartbeat is a danger or not.
Patient D has been delaying getting a Pap test, a follow-up from a previous abnormal one, and patient E has an unusual mole that should be biopsied. I don’t charge extra for collecting the samples, but there’s the pathologist’s fee. Most patients don’t even know what a pathologist is. It is a doctor who examines tissue samples under the microscope to see if they are cancer.
Patients F, G, H, I, J, and K have been delaying a visit to a urologist/ allergist/ pain specialist/ gastroenterologist/ gynecologist/ rheumatologist. I’ve come to the end of what I can advise them.
They are definitely unwell, with abnormal history, physical exam, and lab tests; they need specialized testing and a treatment plan I am unable to provide.
Don’t get me started on the cost of, and difficulty obtaining, psychiatric consultation, to help guide the prescription of dangerous, but possibly life-saving, drugs.
These people all may have manageable health conditions that can become unmanageable, as they delay due to finances.
In many cases, they have insurance. In most cases, they used to have better insurance, but over the past 5 years their benefits have been trimmed away while their premiums went up and up. Others found their policies got worse after they required treatment for an injury or had a baby.
As I have complained before, so many times, their earnings and standard of living have been held in stasis as their employer is obliged to pay an ever-bigger chunk for health insurance.
Don’t get me started on the people I know who stay in jobs and marriages that are unhealthy for them and make them sicker, just so they can hold on to the insurance policy they have.
When I say, “What do you understand about the new healthcare law?”
People reply, “All I know is, I’ve heard it’s bad.”
Where did they hear this? Television and talk radio, bought and paid for by corporations with a vested interest in maintaining the status quo – the same-old same-old deal, by which you delay going to the dentist until you can’t stand the pain anymore, ignore the blood on the toilet paper, stay up late asking Dr. Google for advice, and get older, sicker, and more worried every year — paying more to get less.
The new healthcare law requires insurance policies to be accessible, affordable, and meaningful – for example, you get your yearly prevention checkup for free, so you don’t avoid it longer than you should.
Insurance corporations, which prefer to make profits without providing any services, just simply hate this law (even though it gives them a captive audience, with everybody required to carry health insurance).
Since they have a ton of influence over some politicians and are able to buy plenty of media time, they start or support ‘astroturf’ (fake grassroots) organizations, complaining that the new law is “bad.” So then… “All I know is, I’ve heard it’s bad.”
Americans for Prosperity, a conservative advocacy group financed in part by Charles and David Koch, will begin running television commercials this week asserting that the law will limit Americans’ health care choices… The ads will be broadcast on cable and network television during programs popular with women.
The commercial opens with “Julie,” a mother of two, who tells the camera that she “has some questions about Obamacare.” …JULIE: “If we can’t pick our own doctor, how do I know our family is going to get the care they need?”
…Nothing in the law prevents patients from choosing their own doctors.
…Critics of the health law spent a whopping $400 million on television spots criticizing the law since 2010, over five times the $75 million that the law’s supporters have spent on ads promoting it. Analysts expect $1 billion in expenditures by 2015.
Don’t be fooled!
Here’s the truth about the new healthcare law:
Starting next year (on 1/1/14), basically everybody will be required to carry health insurance. (People who refuse will have to chip in on the cost of their care by paying a penalty. The penalty isn’t allowed to be higher than the cost of the cheapest local insurance.)
And from now on, insurances will be required to be worth the money – even the policy your employer already signed you up for, which may have been looking pretty crummy last year.
The Affordable Care Act forces insurance companies to play by the rules, prohibiting them from dropping your coverage if you get sick, billing you into bankruptcy because of an annual or lifetime limit, or, soon, discriminating against anyone with a pre-existing condition. All Americans will have the security of knowing that they don’t have to worry about losing coverage if they’re laid off or change jobs. And insurance companies now have to cover your preventive care like mammograms and other cancer screenings.
The law goes into effect next January 1st, but people can start signing up for new insurance policies starting October 1st. The “insurance Exchange,” a.k.a. “insurance Marketplace,” will be open. Each state has their own. Where I live, it’s called “Cover Oregon.”
What is the Marketplace?
Simple: it’s a website.
If you’ve ever booked airline tickets online, it may seem familiar. On the website, you enter in your data (how old you are, whereabouts you live, how many people will be on the policy and their ages, etc.).
Then the program offers you a selection of everything they have available, that can meet your needs. You choose the one/s you think are best, including most affordable.
A single application form is electronically sent to all the insurances you’re interested in. Then they each can make you an offer. You pick which one you want.
Gone forever will be the days when we couldn’t compare one health plan with another or figure out how much our out-of-pocket expenses might be if we get sick or injured or have a baby. Insurance companies will at long last have to provide us with information to enable us to do that — in concise language we can actually understand. Imagine that.
–Wendell Potter, recovering insurance corporation propagandist.
The advantages will also be considerable for small businesses: shops with less than 50 employees can shop in the marketplace for, again, the best policy as they see it. If you’ve never had to shop for insurance for yourself or others, you won’t fully grasp how streamlined, simple, and hassle-free this process is.
Only some insurances have signed up for the Marketplace so far this year. The larger, old-school insurance corporations seem to be waiting-and-seeing, because it’s clear that Marketplace insurances aim to provide care for patients, rather than profits for investors.
However, this means that innovative insurances that never existed before have taken the lead in the marketplace, including insurance co-ops owned by the policyholders rather than by heartless corporations.
Here are the insurers who (at last report) have signed up to enter the Marketplace and offer individual and family policies: ATRIO, BridgeSpan (owned by the owners of Regence BCBS), Oregon’s Health CO-OP, FamilyCare, Freelancer’s CO-OP, Health Net, Kaiser, LifeWise, Moda (owned by ODS), PacificSource, Providence, Trillium.
Insurers who will be offering small business policies include ATRIO, Oregon’s Health CO-OP, Freelancer’s CO-OP, Kaiser, Moda (ODS), PacificSource, Providence, Trillium.
The Cover Oregon website is under construction, but it already has a ton of information, including a calculator to help you figure out how much policies would cost you through the Marketplace.
Oh, did I mention that when you buy insurance through the Marketplace, you’re eligible for subsidies (whether you’re an individual, a family, or a small business person), to make the premiums affordable?
That’s built into the law, because everybody knows you can’t require everybody to carry health insurance if it isn’t made affordable. Since it appears to be impossible to compel corporations to lower their prices, then at least the law provides a bit of a sliding scale subsidy.
Individuals and small employers who shop through Cover Oregon will enjoy unique benefits.
…Small employers that offer coverage through Cover Oregon will be able to provide their employees with more plan choices. And, only through Cover Oregon, small employers will be able to apply for the small business tax credit.
…By enrolling in a health plan through Cover Oregon, you may qualify to receive help paying for coverage… For example, an individual earning up to $45,900 a year or a family of four earning up to $94,200 a year will get a tax credit to help cover the cost of their premiums.
You may also be eligible for cost-sharing assistance to help pay for copays, deductibles, and other out-of-pocket costs.
That cost-sharing is available “for people with incomes up to 250% of the federal poverty level ($58,875 for a family of four in 2013).”
The other part of the health law that will make a huge difference to many of my patients is that they will now be eligible for Medicaid, even if they were denied in the past – like a married mom I know, currently recovering from her second cesarean, who was kicked off of Medicaid as soon as she left the hospital, despite needing ongoing care.
Medicaid (not Medicare) is the Federal- and State-funded health insurance available for low-income citizens. (It also pays for most nursing home care.) It is administered differently in every state. In Oregon, Medicaid is administered by the Oregon Health Plan, and people call it OHP for short. Eligibility is determined by a lottery that is (in)famous worldwide.
It used to be that no other state asked its citizens to buy a lottery ticket for healthcare coverage – until Tennessee added its own little game. Again, don’t get me started… Health care is a human right.
The Oregon Health Authority budget passed the House… The health budget is 21.6% higher in total funds than 2011-13, reflecting the state’s move to expand the Oregon Health Plan to 138% of the federal poverty level and provide coverage to 180,000 to 260,000 more Oregonians starting next January.
The cost for those new health plan recipients will be completely covered by federal dollars through 2017 under the Affordable Care Act. “This budget opens the Oregon Health Plan to low-income Oregonians in 2014, ending the healthcare lottery that created healthcare winners and losers,” Gov. John Kitzhaber [creator of that same lottery] wrote.
…In a study prepared in conjunction with Oregon Health & Science University and the State Health Access Data Assistance Center, the state budget will actually save $79 million by accepting federal money through 2020, at the same time offering insurance to 260,000 more people and expanding care to 65,000 adults currently on the Oregon Health Plan.
…The study still anticipates about $47 million in general fund costs in 2019 – which, in a $15 billion budget, is “a rounding error… It’s not free,” the economist said. “It’s about as close to free as you can get.”
The Oregon Health Authority budget, also known as House Bill 5030, still must pass the Senate.
…And now you know what kind of conversations I’m having with my patients, regarding the “new health care law.”
You’ve heard me explain before how I myself am uninsured; well, now, like everybody else, I can no longer be denied coverage, and will be shopping for insurance in the Marketplace this October. I’ll keep you posted.
Meantime, watch out for lying Koch-funded advertisements, eat your fruits and vegetables, exercise outdoors daily, and get ready for better healthcare!
By | July 5, 2013
Do you hate and fear spiders? Or, are you neutral towards spiders in most cases, but think you got a spider-bite on your hand or leg? You’re pretty sure, because it’s like a bump, that is itchy and painful, and red, or even turning purple. Maybe you just ignored it for a few days, then you tried to open it up and drain it; pus came out.
That’s no spider bite!
Whenever someone tells me they have a spiderbite (or an ‘infected pimple,’ or an ‘ingrown hair’), I look for MRSA. More about that below. But first, a bit more about spiders.
Almost all spiders make venom, but in most species, the fangs are too small to puncture human skin. WIMPY FANGS.
Oregon, where I live, really only has one dangerous spider: the black widow. The black widow belongs to the “tangle-web” family. They have giant round bellies and are shiny jet-black. Their webs are a tangled mess, found in dark places.
They do not attack, but they will bite to defend themselves if they think you attacked them! The bite is painful, but not medically dangerous in most cases. It can cause muscle cramps, and make all the vital signs go up – fast heart rate, fast breathing, high blood pressure. If the bite causes these changes in the vital signs, the person should be seen by a doctor.
Other spiders: Brown recluse spiders don’t live in Oregon, a well known fact. They live in the south-central U.S. – Oklahoma, Arkansas, Missouri, Tennessee, etc. Oregon does have hobo spiders (hairy, brown, with long legs and front feelers) and yellow-sac spiders (light yellow in color).
These spiders come out at night. They are medically harmless! They are very unlikely to ever bite a human (WIMPY FANGS), and the venom doesn’t cause medical illness.
77% of patients presenting with soft-tissue infections are showing up with MRSA… Most of these patients attribute the infection to spider bites.
Pediatricians know about the MRSA and spider bites connection now, so they automatically think MRSA when someone comes in complaining of a spider bite.
A 10-year-old girl was brought to the clinic by her mother for a lesion to her left lower extremity that the family thought was caused by a spider bite… Her wound culture was positive for CA-MRSA [community-acquired MRSA]… Her mother had been treated 2 weeks earlier for a similar infection and was told by the emergency department physician that her infection was the result of a spider bite.
…A 24-year-old man presented to the clinic with a 4-day history of painful raised pustules to his left hip that the patient attributed to spider bites. A culture of these lesions proved positive for CA-MRSA… His girlfriend had been treated at our clinic for a similar infection 4 months earlier… His girlfriend’s sister had been hospitalized for an abscess on her abdomen caused by a “spider bite” during that same period.
…A 43-year-old man recently released from prison was treated at the clinic for multiple pustules… positive for CA-MRSA. This patient had been treated several times while in prison for similar lesions and was told they were the result of spider bites.
What is MRSA (“mersa”)?
The -SA stands for Staph aureus. This is the name of one of the bazillions of bacteria that naturally live on our skin. Most of the time, it doesn’t bother us at all. If it gets under the skin or inside the body, though, it provokes a vigorous immune reaction that produces a lot of swelling and pus – an abscess, like an “infected pimple” in appearance, though often much larger.
Here is what the MR- part of MRSA means: Back in the 1960s, due to antibiotic overuse, Staph germs in the hospital were found to be resistant to penicillin, which previously had been a wonder drug. Methicillin was developed as a “super-penicillin,” but the hospital Staph germs quickly became resistant to methicillin, too, which was very alarming. These germs were named “Methicillin-Resistant Staph Aureus,” MRSA for short. However, they are resistant to multiple penicillin-type antibiotics, not just methicillin.
In the 1980s, these antibiotic-resistant Staph bacteria were also appearing in the community, not just in hospitals. These began to be called CA-MRSA (for “community-acquired”). The hospital germs were big killers, but the community version wasn’t as dangerous. However, it appeared to be more communicable – it was spreading through communities very quickly. Simple “spiderbites” on the skin might be readily treated with incision and drainage, sometimes also antibiotics (ironically). However, deep abscesses tracking up between muscle layers, or in the lungs, can cause an immune-system meltdown called ‘sepsis’ that can be life-threatening and required urgent hospitalization.
You can see that prevention and early treatment is important – and this is why it’s important to know that That’s no spiderbite! …Stop blaming spiders, and address the problem directly.
Here’s a quick rundown.
How to recognize MRSA:
A skin infection that forms a bump, boil, or pustule. It feels itchy-painful, and the surrounding skin becomes inflamed. When it gets worse, the bump becomes large and may drain spontaneously. Other skin infections – for example, an infection from a splinter or thorn – can look like MRSA, but it’s okay to treat it the same way regardless of the germ involved.
How to treat an early case:
There are 3 keys to early treatment: boost the circulation, apply antibiotic ointment, and protect the area.
~ 1. Boost the circulation by applying a hot compress 4-6 times a day (Before meals and between meals, and at bedtime).
Here’s how: soak a pad (relatively-clean washcloth, towel, t-shirt, wad of paper towels, etc.) in water as hot as you can tolerate, and wring so it doesn’t drip. Apply to the area. “Compress” doesn’t mean you have to apply pressure, just hold it on the area until it cools down to skin temperature (3-4 minutes). Then dry off the area and go on about your business.
The purpose of a hot compress is to locally dilate the blood vessels and boost the circulation. This brings new blood, with oxygen and nutrients, to the area, and takes away toxins and waste products of infection.
Note: taking a sauna or a hot bath is not the same as boosting the circulation to the local area with a hot compress.
~ 2. Between hot compresses, apply over-the-counter antibiotic ointment to the area.
~ 3. Cover the area with a bandage after applying ointment. This protects it from damage and prevents spread of the bacterium to other parts of the body and to other people.
When to see a medical practitioner:
~~ If the infection is not improving after a week of treatment – including really, truly using hot compresses 4-6 times a day – please see a medical practitioner.
~~ If the infection is large or otherwise alarming, call a practitioner.
~~ If you develop swollen lymph nodes in the groin, armpit, or nearby area, and/or run a fever (>100.3F) or have shaking chills, call help.
What to expect:
If you see a practitioner because you have a large, painful boil, the best treatment is to drain it. You may never need to take oral antibiotics; studies show that drainage and cleanup is more effective than ortal medications are. The practitioner will numb the area, them make a small cut, and squeeze out the infection.
Taking a culture from the wound with a cotton swab does not usually change the recommended treatment, so if you are unable to afford a lab test, make sure you mention this to the practitioner. Often it is not necessary to identify the exact kind of bacterium, to treat the infection.
If your whole body is sick from the infection, you may need to be admitted to the hospital, to save your health or your life. Don’t wait too long before asking for help, to prevent needing this extreme intervention!
How to decolonize:
Some people and some families develop MRSA infections over and over. In this case, it is useful to culture the wound, to verify the choice of treatment.
We consider some people to be “colonized” with a bacterium. The specific kind of bacterium can be tested by taking a culture from a cotton swab rubbed under the nose and between the legs.
If a person is colonized with MRSA, it’s likely their sleeping partner or household family members are, too. The germ may not cause infection in each member of a household (and we do not really know why this is). However, colonized housemates readily pass the germ back and forth, re-infecting susceptible members.
Although I’m not aware of studies showing this, it stands to reason that any clothing, bedding, or other materials in contact with active infections should be washed with a mild laundry bleach and machine-dried at reasonably high heat. If materials can’t be washed and dried, they should be dry-cleaned. Meanwhile, decolonize the body!
The ‘standard’ way to decolonize the body consists of brand-name antibiotic ointments and soaps, simply because they were the first method tried and studied. There is nothing magical about these particular ingredients – although they can be horrendously expensive if you pay for them out of pocket. See below for two methods, the expensive ‘brand name’ method, and the low-cost ‘generic’ method.
1. Buy mupirocin (“Bactroban”) antibiotic ointment, and chlorhexidine antimicrobial soap (“Hibiclens” and others). Apply muprocin ointment inside the nostrils daily for 5 days. Meanwhile, wash with chlorhexidine soap (from the neck down, apply all over and leave it on for 5 minutes before rinsing) for 5 days. Note: mupirocin ointment is available by prescription only.
2. Buy over-the-counter antibiotic ointment, and liquid laundry bleach (sodium hypochlorite 5-6%).
Apply the ointment inside the nostrils daily for 5 days.
Meanwhile, add 1/2 cup laundry bleach to a warm (not hot) bath, filling the tub halfway (about 25 gallons). Soak in the tub, washing from the neck down (no soap necessary), for 20-30 minutes. Repeat daily for 5 days.
This mild solution is safe to use for little old elders as well as young children. At this dilution, it is equivalent to about 1 tsp of bleach per 1 gallon (the proportion you would choose for a baby’s bathtub). This is about the same strength as a public swimming pool – you can tell by the smell. Note: bleach proportions vary widely from study to study, but this is a moderate strength.
Sometimes when a household “decolonizes,” they catch the bacteria back again. It’s a community-acquired bacterium, so this makes sense. They can simply repeat the decolonization process as needed.
How to prevent:
The most important way to prevent the spread of virulent skin bacteria is to WASH YOUR HANDS, early and often. Prevent the spread of infection from person to person by keeping boils covered with antibiotic ointment and bandages until healed. Decolonize if infections are recurrent. Support your doctor or nurse practitioner in not prescribing antibiotics for any reason unless absolutely necessary. Support the movement to reduce the use of routine antibiotics in agricultural animal feed.
And don’t blame the spiders!
You may be wondering why you should put antibiotic ointment on a likely MRSA infection, and whether it might make the problem worse. You might also be wondering why a person sick with MRSA in the hospital would be given hardcore antibiotics, when this is how the issue started to begin with!
We know that MRSA is still susceptible to the antibiotics in common over-the-counter antibiotic ointment, even though it’s not susceptible to penicillins. When we culture a bacterium, we also test the culture against different antibiotics to find out which ones it’s most susceptible to, so we don’t give you the wrong antibiotic in the hospital.
Early characterization, appropriate antibiotic use, and interventions like enforced hand-washing and “space suits” to prevent spread in the hospital, are saving lives today!
By | June 6, 2013
This piece illustrated with real behind-the-scenes footage!
I have a new policy. Actually, it’s an old policy, but now it is explicit. If you need a medication refill, or a new prescription medication, in most cases, you need to come in and see me for an office visit.
This may seem unfair! More and more people, in this stressed-depressed economy, are hoping to save $60 on a doctor visit, and ask me to “just call it in” – since they already know exactly what they need.
I do the same thing to my doctor: “Sorry for the late notice, but could you just call in a prescription for…”
However, it’s never “just call in.” Here’s a peek behind the scenes: Instead of “calling it in,” your personal physician…
~~ (Stops what I’m doing and) Boots up the computer
~~ Loads the electronic record program (slow-pokey!)
~~ Opens your individual chart
~~ Reviews your medical history, allergies, and previous medications
(Is the prescription already part of your treatment plan? Are we monitoring it properly? Should I recheck drug interactions? Is there anything else that slipped through the cracks?)
~~ I often open up my secure email, too, and review our recent conversations. Were we talking about changing your care plan? (This demonstrates that it’s never “just an email conversation”, either. Communicating over email usually involves all the above steps, too.)
~~ If it’s a DEA-controlled medication (including muscle relaxers, ADHD medicines, sleeping pills, cough syrup, anti-anxiety and pain meds), I log into the secure state drug database, enter your ID, and review when and where you last refilled it. Are you overusing it, or underusing it? Either one usually indicates we need to review the usefulness of that med. I print a copy of the database for your records.
~~ Then the clinical decision tree – Are the risks of this drug, to you individually, outweighed by the expected benefits? Are there other, safer therapies? Might it be better to do nothing, watch and wait? Is more testing necessary, or is the diagnosis well characterized? Have there been changes in the guidelines for your condition, or for that medication? Better Google it… All before I pick up the phone.
Blood pressure medicine… but I haven’t laid eyes on you for more than a year? I really need to check your blood pressure first. Has it gotten worse, or better?
If you lowered your blood pressure naturally with diet and exercise (and fewer drinks and cigarettes, and lower stress, too), I don’t want to keep giving you pills that will drop your blood pressure too low and make you dizzy – people break a hip doing that!
If it’s gotten worse (how about that diet and exercise, smoking, drinking, stress?), then you might need more or different medications, as well as a realistic and sustainable health plan (including diet, exercise, smoking, drinking, stress).
“Nerve pills” for your anxiety? Didn’t we just have a conversation about tapering off of them, and dealing with your anxiety more directly?
Where are you at, in that taper? I don’t want to prescribe too many pills, and delay your recovery.
Anxiety is not caused by a Valium deficiency – have you gotten to the bottom of your stress? Why not?
Inhaler, nose spray, special eyedrops – for severe seasonal allergies that you never mentioned to me before?
If your insurance doesn’t want to pay for it, and demands to see your records showing the indication for the medicine – then the fact that you never mentioned it to me before, and I did not examine and diagnose you, could mean you pay for those $250 allergy meds yourself.
Antibiotic for a sinus infection, urinary infection, bad cough?
But what if you don’t actually have the infection you think you have (for example, you may have a virus or allergy, rather than a bacterium)?
A physical exam is in order – because, what if you have a bad reaction to the antibiotic?
~~ One of my patients suffered permanent nerve damage from an antibiotic considered so safe that we routinely give it to pregnant ladies. (I wasn’t the prescriber. Antibiotics should never be given “routinely”!)
~~ Another patient has been given antibiotics for “sinus infections,” for years, that finally went away when she was treated for migraine headaches instead (as may happen in about half of recurrent sinus symptom cases). Another has been given antibiotics over and over again, usually in Urgent Care settings, for painful bladder syndrome – which is not an infection. Hello, Superbugs…
~~ I myself suffered multiple GI and skin reactions, with weeks of repercussions – including trying to care for my own patients while the skin was peeling off my fingers and lips (gross!) – from an antibiotic my ear doctor gave me “just to be on the safe side.” (I’d taken this drug with no problems several times in the past!)
You have to twist my arm pretty darned hard these days, to get me to prescribe an antibiotic sight unseen – even if you’ve “always taken it” for this problem – especially if you’ve “always taken it” for this problem, in which case I definitely want to re-check that diagnosis.
Bacterial infections don’t happen over and over and over for no reason!
It is very inconvenient for both of us to shoehorn a doctor visit into both our busy schedules, and it would be awesome if it were safe to “just phone it in.” But it’s usually not.
Sometimes I ask you to run a test at home, to verify the nature of the condition (thermometer, blood pressure, blood sugar, blood thinner check, urine bacteria test, etc.). Sometimes I’ll ask you to send me a cellphone picture of the problem (for example, a skin rash). Often, we have a very lengthy conversation about your symptoms. You often sound impatient, like I’m making a big deal out of nothing – which makes me feel embarrassed! It’s my duty to be thorough, even if it’s just over the phone, text, or email.
Our conversation must be documented just like an office visit is, including making copies of emails and text messages, for inclusion in your chart.
Incidentally, when I get a fax from a pharmacy asking to refill your prostate medicine, your diabetes or cholesterol medicine, your asthma medicine, your hormones or birth control that I prescribed a year ago – it’s the same deal. I boot up your chart, review your plan, check your state database, look at recent emails, sometimes research latest developments on your condition and medication warnings, do the order, document the update…
All of this may take the same amount of time as a visit in my office would! –Without the added benefit of a hands- and eyes-on physical exam, which you’d get in the office.
And all you’re really aware of is that you called the pharmacy, or left me a voicemail with (what you thought was) a simple request.
And that is why I will probably ask you to come in and see me, instead of “phoning it in,” even when you are absolutely certain you already know what you need.
Now you know what’s happening behind the scenes!
“There is a pestilence upon this land; nothing is sacred: even those who arrange and design shrubberies are under considerable economic stress, in this period in history.”
–Roger the Shrubber, in Monty Python and the Holy Grail
By | May 28, 2013
When I see people who have intentionally lost a bunch of weight, I ask them, “What’s your secret?” Then I write down what they say on a little scrap of paper, and tack it to the wall.
Although these people have lost some weight, they mostly still haven’t reached their personal fitness goals. But, they tell me, things are looking up. I asked a psychology professor once, “How can a person overcome learned helplessness?” He replied, “They must experience success.” That’s what these folks are doing.
Most of them told me they were surprised to find they feel better overall than they’d expected. It’s like when you quit smoking and discover that now your favorite perfume smells even better – you didn’t expect this, but it makes you happy. They’re finding they sleep better, have more sexual energy, are in a better mood, and things are just generally going better for them. (What I measure, however, are the improvements in their medical conditions.)
Here are the weight loss secrets I’ve collected since the start of this year.
Lost 50 lbs in two years by bike commuting. “My car broke down and I couldn’t buy another one.”
Lost 60 lbs in one year by riding a stationary bike at the gym three times a week and not eating after 6 pm.
Lost 14 lbs after starting CPAP, the nighttime “breathing machine” for sleep apnea.
Lost 80 lbs over 2 years when started going to AA meetings and became sober.
Lost 100 lbs over 18 months, and ‘cured’ their diabetes and sleep apnea, using the South Beach Diet and “no white foods”. Also started bike riding once or twice a week for exercise.
Lost 75 lbs over 18 months, spouse of the above person, adopted the same lifestyle.
Lost 38 lbs over 4 years by walking 3 miles a day.
Lost 30 lbs in 1 year by getting divorced: “the stress diet.”
Lost 50 lbs in 1 year when couldn’t afford internet service anymore. “Stopped playing video games.”
Lost 35 lbs in 1 year without noticeable lifestyle changes “when I wasn’t depressed anymore.” Goal: Lose 200 lbs.
Lost 50 lbs in 1 year when quit using all dairy products. (Still eats meat and eggs.)
Lost 60 lbs after starting CPAP, the nighttime “breathing machine” for sleep apnea.
Lost 20 lbs in 4 months with Weight Watchers.
Lost 40 lbs in 1 year and ‘cured’ diabetes, cholesterol, and high blood pressure, using “the diabetic diet.” Eliminated 4 medications.
Lost 20 lbs in 1 month, “just with portion control… It’s a lifestyle change, like quitting smoking.”
Lost 60 lbs using “Advocare shakes” in place of meals (similar to SlimFast or Instant Breakfast, but with extra protein and costs 300% more).
Lost 35 lbs in 4 months when stopped using salt, chocolate, and “white things.” Also “gave up the 4th meal” after supper.
Lost 60 lbs in 2 months when stopped taking depakote, olanzapine, and narcotics for chronic pain; started bike commuting.
Lost 45 lbs when “my wife had to go to Alaska for ten weeks. She wasn’t making me biscuits and gravy anymore.”
Lost 40 lbs in 1 year by eliminating french fries and soda, and taking a walk every day.
Lost 70 lbs in less than 3 months by “eating half as much of everything,” and cut out all bread and sugar.
Lost 50 lbs over 5 years by eliminating soda and french fries, and walking everywhere. “Gas is too expensive.”
Lost 40 lbs in 1 year after diagnosed with “prediabetes.” Was already on “white food diet” to manage irritable bowel. Reduced the amount of starches. “I’m more energetic now.”
Lost 100 lbs in 1 year by walking 3.2 miles every day, increasing protein and reducing carbohydrates, eating frequent small meals.
Lost 50 lbs in 1 year after diagnosed as “borderline diabetic.” Stopped all fast food and pasta, only eats “healthy food cooked at home.”
Lost 18 lbs in 1 year when eliminated all wheat. No longer diabetic.
These are all patients who have been diagnosed with serious medical illnesses – not healthy young people who just want to look buff. The reason I am seeing them is that I’m their doctor. I weighed them, recorded the results, and asked them, “What’s your secret?”
Like most sick and injured people, they spent a period of time with limited mobility, depressed and worried, taking multiple medications for their illnesses, and for side effects, both of illness and of treatment.
Many, if not most, have found that their complicated health pictures became much simpler when they made the “lifestyle changes” that helped them drop some of the extra baggage – including prescriptions they no longer need.
I’ve been surprised at how small many of these lifestyle changes are, and how individualized. One person cuts out “white foods,” and another one turns off the TV. One person stops going to restaurants, and another one buys a bicycle. Some of these stories are cautionary for doctors: treating sleep apnea might help; a detailed discussion of metabolic syndrome and “prediabetes” might help; discontinuing sedating pain, sleep, and mood medications might help a LOT.
…I’ve seen the snowball-to-avalanche effect many times.
~~ People were strong and healthy, even athletic, as teenagers, but as they got older, they kept eating the same hungry-teenager-sized portions and having a few drinks a few times a week. Working full time, they didn’t have time for sports or the gym. Raising a family, they added a few pounds with each new baby, which never went away.
~~ As they matured, their metabolisms gradually slowed down, and they became noticeably heavier. They planned to start working out, but never could find the time or money for it. They went on a few diets, and took supplements they saw on TV, but ended up heavier than before.
~~ Their blood pressure went up, and after resisting it for a year or two, they started taking blood pressure medicine. High blood pressure causes heart attacks, strokes, and kidney failure, so the medicine was a good idea.
~~ They kept putting on a few pounds a year, sometimes a few a month. They needed to start taking a cholesterol medicine, too. High cholesterol causes heart attacks and strokes, so that medicine was also a good idea.
~~ Life happened, stress happened, they became a little depressed. They weren’t sleeping as well, and their sexuality wasn’t what it used to be. They might have started a few different medicines for these problems, too. These medicines did not lower the stress levels – just masked the symptoms.
~~ Then they got hurt – usually back or knee. They took the narcotic pain medicines they were prescribed, and may also have started other medicines to help with the side effects. These meds are sedating and lower the energy level and sex drive. Relationships at home and work suffered, causing more stress.
~~ When the body is stressed (anxious, pained, depressed), it clings to calories. Weeks-to-months of lower activity added a few more pounds, and thinned out the bones and muscles, making exercise more difficult and uncomfortable. Physical therapy and a daily exercise program was postponed a little longer.
~~ Increased mechanical pressure on the stomach from belly fat made acid reflux a daily problem, so they started taking medicine for this, too. With the reflux, sleep got worse, so multiple prescription and over-the-counter sleeping pills became a daily part of life.
~~ Now the doctor was warning them about “metabolic syndrome,” “prediabetes,” and “fatty organ syndrome.” One blood pressure medicine wasn’t as effective anymore, so a second one was added.
~~ Now they were taking 2 blood pressure medicines, 1 cholesterol medicine, 1 antidepressant, 1 sleeping pill, possibly 1 long-acting and 1 short-acting narcotic, possibly 1 anti-inflammatory, 1 acid-stomach pill, and 1 laxative every day, and sometimes a sex-enhancement pill: a dozen pills a day or so. They also had to get blood and urine tests about every 3 months.
~~ People often develop gout, and other forms of inflammatory arthritis, at a certain level of overweight. More pills are taken, to prevent permanent damage to the joints, and to improve mobility.
~~ They were feeling old before their time. They diagnosed themselves with fibromyalgia and chronic fatigue after looking on the internet. They knew there wasn’t any cure for these.
~~ In some cases, they got a surgery – spinal surgery, knee or hip replacement, rotator cuff repair – that wasn’t very successful and made them need more pain pills, and rendered them less and less active. In other cases, because of the weight, they “weren’t a good candidate” for surgery, and just took more pain meds.
~~ Eventually they had to start diabetes medicines, with their own side effects. This also was depressing, and they privately wondered if life was really worth living anymore. They finally agreed to try an antidepressant. It didn’t work very well, so an antipsychotic was added, “to make it work better.” The psychiatric nurse practitioner warned them that it could cause weight gain. It did.
~~ High blood pressure is more dangerous for people with diabetes, so they had to take even more blood pressure pills to meet their new, lower blood pressure goal. The combinations of medicines kept changing, because of side effects.
~~ As a consequence of diabetes, they developed neuropathic pain. They now “couldn’t live” without their pain medicines. They weren’t able to imagine taking on an exercise program, even though their doctor said they needed one, because of the osteopenia or osteoporosis.
~~ Due to the snowball-to-avalanche of health problems, many of them lost their jobs, then their health insurance. Their world shrank. They realized they’d never be able to take a vacation, or buy a home, or move somewhere else – any of the things they had kept postponing while their health deteriorated. They really felt trapped. It was hard to understand why their life had fallen apart in just a few years.
These are some of the people I know, who are struggling right now. I’m not exaggerating at all.
…But these are also some of the exact same people who told me their weight loss secrets! The exact same people who were starting to get off the medical merry-go-round, or at least find a more comfortable seat.
It’s easy to see, in this snowball-avalanche story, a number of points where the process could have been turned around. It’s easy from the outside, looking in. In some cases, the person simply didn’t know the likely consequences of letting things get out of hand. In other cases, they just crossed their fingers and hoped they’d be okay – but that trick never works. In still other cases, they were misled by health professionals, internet experts, and/or folklore, including family-history folklore.
As a consequence of the conversations I’ve had with people over the years, my beliefs have changed.
~~ I no longer believe that ideas about poor health resulting from too much body fat are part of “fat oppression” and “body hatred.” I’ve seen too many people reverse serious health conditions, by reducing extra body fat, to believe this anymore.
~~ Nor do I believe that pounds and inches are adequate measures of health. I’m indifferent to appearance, medically speaking – it’s the inflammatory, hormonal, and metabolically dysfunctional aspects of too much adipose tissue that I want to treat. And not by simply masking symptoms with feel-better drugs, either.
~~ I don’t believe that weight loss or metabolic change is a simple matter of “calories in vs. calories out.” Many people plateau, or even gain pounds and inches, as a consequence of limited-calorie diets, while others start losing weight when they start eating breakfast. Overcrowd rats in a cage – the easiest way to stress them out – and they will gain weight, even if calories in/out don’t change. Certain drugs will do the same.
~~ I don’t believe there’s one diet or supplement or exercise routine that will make anybody “the biggest loser.” I think the yo-yo pattern is medically dangerous – gaining and losing and gaining and losing.
~~ I’m frankly angry about approaches that are only available to people with plenty of money. For example, I’ve never seen an un- or under-insured person who could get sleep apnea evaluated or treated. I’m also angry about approaches that exclude people with disabilities – like exercise programs demanding an entry level of fitness that sick people can’t attain on their own, and locker rooms too cramped and crowded for people with limited mobility.
~~ I believe that many people – I am talking about people with serious medical problems, who also are significantly overweight – become “stuck” when they identify themselves as a certain kind of damaged person. When they see themselves as “a fat person,” “a pain patient,” “a diabetic,” etc., they are more vulnerable to suggestions that these conditions are irreversible and progressive. I think they need to remember who they originally wanted to be, before all these bad things happened, before they needed to protect themselves – and bring that person back to life, as part of their planning for how they will move forward.
~~ I believe that there’s a self-image, a part of our mind that is intimately connected to and protective of our physical body, that resists physical change. It is a “phantom self,” similar to what makes a “phantom” foot still hurt or burn or itch, long after it’s been amputated. The pain is real, but the foot is not; the foot lives in the mind, as part of the self-image of the whole person. Our mind and body work together to keep things whole. The self-image must embrace change, before the body will embrace it. Maybe this is part of the effectiveness of gym membership or yoga class or diabetes group or Weight Watchers. You change who you hang around with, and what you’re working on together, and it changes your self-image. Your body, like other parts of your world, comes into focus to match the person you (consciously or subconsciously) believe yourself to be.
But I don’t mean to get too flowery on you, there. This is a long way down the road from “Lost 45 lbs when my wife had to go to Alaska.”
I’m just saying, for every person I know who desperately longs to lose a hundred pounds, I know another who is well on their way to achieving the exact same goal. And they didn’t get there by adding another prescription, or buying the latest thing on late-night TV, or even following their doctor’s diet plan.
And for every person who tells me their life was ruined forever by that one car crash, or fall-off-a-ladder, or surgery-gone-wrong, I know another who says they used to feel the exact same way, but things are a lot better now. And they didn’t get there by giving up or staying in denial.
I’m not saying you should try to “think yourself thin” – I’m just saying that, even if you can’t see a brighter future for yourself… I can.
By | May 11, 2013
This entry is illustrated with images showing what I think of the Pharmacy Benefit Manager system in general. I’d like to add a disclaimer here that there are many independent community pharmacies who provide mail-order services to homebound and rural patients, as well as those traveling abroad. They aren’t my targets. Pharmacy Benefit Managers are an entirely different kind of phenomenon.
Since I wrote Part 1 a year ago, I have learned more about the PBM (Pharmacy Benefit Manager)
scam world. This has caused me to advocate more strenuously against the “mail order pharmacy” with patients. (Unfortunately, newer patients often seem to think that I am trying to trick them out of the exciting time- and money-saving benefits claimed in their PBM’s propaganda campaigns. Established patients know that I would just simply never do that.)
What is a PBM? Let’s break it down into parts:
Pharmacy = place where either a highly educated and technically skilled human, or a robot, gives you the medicine your doctor prescribed.
Pharmacy Benefit = part of your health insurance policy, for which you pay every month, that pays part of the cost of that medicine.
Pharmacy Benefit Manager = corporation that exists to suck money out of your insurance corporation, pharmaceutical megacorporations, and community (or robot) pharmacies.
(What do I mean, “robot”? See Part 1.)
PBMs were invented in the 1980s as part of the cost-cutting vogue of managed care. Before that time, insurances covered medications the same way they covered doctor visits and lab tests. When they decided to start controlling what medications would/n’t be “covered” (i.e., partly paid for), for example, preferring generics, the bookkeeping became complicated, and insurers began outsourcing medication coverage to middlemen – PBMs, which then became their own industry.
PBMs used to make all their money from processing insurance claims by hand, on paper. When claims processing became computer-based and less labor-intensive, however, they needed a new source of income. Thus we arrived at “sale of drugs through mail-order and retail channels and the sale/control of information to drug manufacturers.” (Emphasis added.) I detail below the way in which these are now multibillion-dollar revenue streams.
Here is the way you, ordinary human, interface with your PBM/s. When you want a prescription filled, and you give your insurance information to the tech behind the counter, the tech connects the pharmacy’s computer to the PBM chosen by your insurer. The PBM computer tells your pharmacy tech whether that medication is “allowed,” by your PBM, to be covered by your policy. (If it’s not covered, you can still have the medicine, but your insurance won’t pay for it. You have to pay for it yourself. This might or might not be affordable – depending what your doctor chose to prescribe. Often, the doctor’s choice is dictated by the PBM – as detailed below.)
Everyone knows generics (“multi-sourced”) are cheaper than brand-name (“single-sourced”) drugs.
Any given generic medication may be made by multiple drug manufacturers (multi-sources), and each manufacturer may charge whatever they want for it. (Of course, the single brand-name drugmaker – single-source – also charges whatever they want.)
The PBM (chosen by your insurer) makes deals with various drug manufacturers, determining what medications the PBM will and won’t allow the insurance to pay for. “They control the cost of what you pay for drugs and which drug stores you should use. And based on deals they strike with drug companies, they even try to influence what drugs you take – in some cases refusing to fill the script recommended by your doctor.” (Emphasis added. Note: they cannot stop your pharmacist from filling the prescription; they merely refuse to pay for the medicine. You can pay for it yourself, if you are able.)
In some cases, the contract between your insurer (and/or your employer) and the PBM corporation may use sketchy definitions of “brand name” and “generic.” These sketchy definitions mean that a PBM can approve and demand payment for a brand-name drug, while only reimbursing the pharmacy itself at the lower generic rate. “PBMs’ freedom under nearly all existing contracts to misclassify drugs – and to classify drugs differently for different purposes – potentially affects virtually every aspect of drug coverage” from pharmacy to cost of insurance premiums.
Get it? You pay $10 co-pay and get $30 “generic” drug from pharmacy. Pharmacy obtains $30 reimbursement from PBM. PBM obtains $75 reimbursement from insurer for drug which now is classified as “single-source” a.k.a. brand-name.
In what sounds like a similar move, “a study reported that some PBMs billed plans $80 for the hypertension drug atenolol, 100 mg, 90 pills, but paid pharmacists only $7, keeping a $73 “spread.” “One PBM billed an employer more than $200 for a single generic ranitidine prescription, for which it paid the dispensing pharmacy $15.”
Three corporations used to dominate the drug market, managing and profiting from 80% of all insured prescriptions. Each of these companies has annual revenues exceeding $15 billion. Their corporate names are Medco, Express Scripts, and Caremark CVS. (Caremark is able to require that patients shop at their own CVS pharmacies.)
Last year, the Federal Trade Commission allowed Express Scripts and Medco to merge – so now only two players dominate the market. They exert a tremendous amount of control over what medications you take, how much they cost, and what your access is to them.
One of the major revenue streams for PBMs comes from pressuring doctors to prescribe specific medications. The PBMs then receive kickbacks (“rebates”) from drug corporations for the increased sales of those drugs. Doctors aren’t aware that this is happening; we merely receive emails, letters, and brochures detailing the “savings” and/or “improved outcomes” benefiting our patients if we choose particular medications. (Doctors who entertain drug salespeople may receive free meals and other gifts as well; I wouldn’t know.)
These kickbacks to the PBMs can be $2.00 to $3.50 per prescription. “Drug switching, or ‘therapeutic substitution,’ occurs when a doctor prescribes one drug and the PBM requests to change the prescription to a different drug of similar therapeutic value. The PBM can profit off of the switch if the second drug has a higher rebate value.”
When a PBM demands that that the insurance corporation require patients to use mail-order services, it enables the PBM to repackage the medications — increasing, even doubling, the stated price. In this way, the PBM buys cheap and sells dear.
These sorts of tricks are protected as “trade secrets” so that consumer groups and lawmakers cannot tell what they are doing. However, a scant handful of states are making moves to stop the secrecy.
In Oregon, three bills in the state legislature would outlaw this secrecy, make PBMs stop using pharmacy audits to punish independent pharmacies for protesting, and allow patients to fill prescriptions at a local pharmacy, if they don’t want mail-order. Unfortunately, PBMs declined to participate in the crafting of these laws.
The unethical busincess dealings of insurances, drug manufacturers, and PBMs, are combining to drive community pharmacies out of business. “PBMs have created highly preferred pharmacy networks and forced [local-pharmacy] independents to accept reimbursement levels below their acquisition costs or lose access to patients.” It sounds like a Mafia scheme. You give out $10 worth of medication, we pay you back $5, you accept it gratefully, or nobody comes to your store again.
The whole subject is so complicated and confusing that doctors and patients, and sometimes even pharmacists, usually just ignore it. But billions of dollars are at stake – and if nothing changes, eventually everyone who takes (or gives) prescription medication will be under the unfettered control of < corporate name deleted >.
A final scenario to ponder:
Starting January 1st, 2014, all citizens will be required by law to carry health insurance.
(Fear not, mortal! The law requires insurances to provide comprehensive coverage, and requires the government to offer subsidies to make policies affordable – for example, an individual can earn up to $45,900/year and still receive a subsidy. Also, small businesses with fewer than 25 employees, who pay an average wage of less than $50,000 a year, can get up to 50% of the premiums covered. No one of any age can be denied a policy due to a pre-existing condition. Medicaid, a.k.a. the Oregon Health Plan, will be expanded, so that those who were denied in the past will be eligible once again – and the coverage itself will be better. For more details, see the Cover Oregon website.)
…Will those hundreds of thousands of new insurance policies require people to use a PBM-mandated mail-order drug program? …One that tells their doctor what to prescribe, and forces that doctor spend hours on the phone fighting with robots, in order to reduce access to care? …One whose rules are secret – employers and insurers must sign the contract, but they can’t know what it says? …One that sucks the money out of your home, your community, your state?
~~ Please see Pharmacists United for Truth and Transparency (PUTT) for more about how independent pharmacists are fighting back.
~~ If you are a small employer, PUTT has a guide for negotiating insurance contracts to avoid getting shafted by the insurer’s PBM.
~~ The National Community Pharmacists Association also has a resource center.
~~ Click here to read about the 3 laws under consideration in Oregon.
By | May 11, 2013
I wrote this last year. It is still true this year. I have illustrated it with cute kittens, to reduce the stress caused by thinking about dealing with mail-order pharmacies.
< corporate name deleted > is a “pharmacy benefit manager” offering mail-order prescriptions. They are supposed to be convenient for patients.
Like all capitalist health enterprises, they mainly seek to limit and deny care in order to maximize their profits.
One important way for them to do this is by obliging me to call them personally to obtain permission for my patient to keep taking the same medication he has taken for the past ten years, which he has been ordering from < corporate name deleted > for the past several years.
Since I knew from past experience that I would be on the phone for a long time, I spent the time reading what others have said about < corporate name deleted > on the internets (links highlighted below).
2:50 pm, I entered the automated system.
Was asked for lots and lots of information, none of which was understood by robot the first time.
Was obliged to repeat six times that I do not have patient’s special < corporate name deleted > card in front of me – tried various pitches and paces of speech – considered giving fake card number, but didn’t.
Was repeatedly told by robot, “I’m sorry. Please say the member’s identification number.” Wondered how long this could possibly continue.
2:58 pm, Switched to a human.
Asked by human for all the same information about the patient again, with repeated apologies.
Human understood right away that I do not know the member’s identification number.
Prescription data recited by me, repeated by human.
3:05 pm, Human now began entering my info (e.g. phone number, address, repeated spelling of name several times – I have a weird name, I guess – and three separate tries for zip code, which, by 3rd try, human knew by heart).
3:10 pm, Human said, “I’m so sorry,” for 7th time (I began tally after 3rd time), because “I can’t find you in the system.”
3:11 pm, 8th apology. Human also asked how my day was going, whether it was almost the end of the workday for me, noting that it was, after all, Friday.
3:15 pm, Asked for my own information again (phone number, address, spelling of name, memorized zip code), “so I can enter it into the system.”
3:21 pm, Told that < corporate name deleted > would fax a form that must be returned by me within ten days, after which < corporate name deleted > would review the patient’s case, and decide whether to supply the medication that the patient has been using for the past ten years, which he has been ordering from < corporate name deleted > for the past several years.
I was also given a phone number to call if I wanted to register a complaint, and kindly advised to have a great weekend.
The last three times I went through this process, on behalf of two other patients, I was repeatedly told that < corporate name deleted > had already sent me the fax, and would graciously send it again – but I never did receive it.
Meanwhile, I did a little research and discovered that the same medications were much cheaper at our local big-box stores, and those two patients simply transferred all their prescriptions from < corporate name deleted > to those pharmacies instead. Their insurance would only cover a 30-day supply at a time, but they didn’t mind, because they go to that store regularly anyway.
Some drugs are pricey no matter where you go – but in my own personal life I still steer clear of < corporate name deleted >, because they suck so much. For example, I don’t know what this drug costs from < corporate name deleted >, with insurance paying for most of it, but at one of the local big-box stores, paying out of pocket, it is $17.40/month (brand name version = $342.66, boo, hiss).
…Okay, the medicine is sumatriptan. (Brand name, Imitrex.)
I am saying that in some cases, it may cost less to pay out-of-pocket, than to have insurance “cover” the medication. Many patients tell me they paid a $10 co-pay for a medicine that is $4 per month, cash. This is not true for the very spendiest medicines, of course, but it is true for the vast majority of the drugs for which I personally write prescriptions.
I know it is very irritating to listen to doctors whinge about how annoying it is for them to deal with insurance companies of all varieties, including mail order pharmacies that are part of an insurance system.
But a large part of my own annoyance is how obvious, how terribly obvious it is, to those of us who are struggling to deliver the health care to you, the consumer, who already paid for it (through lower wages, since your employer pays through the nose for their part of the insurance, and through the premiums you pay, more and more each year, and through the sizable chunk your insurance declines to pay for and you must pay for yourself)… To us, at least, it is obvious that their main business is to limit and deny that care.
To you, it may appear that your doctor, or their helper, is an incompetent boob who can’t manage to get through a simple phone call without getting mad.
But to us, it’s obvious that we’re being made the fall guy for heartless capital, not to mention wasting hours every week, trying – often unsuccessfully – to get you what we want you to have, for your health and safety.
Down with < corporate name deleted >, I say! Down with them and all their friends!
…Okay, the corporate name is Medco.