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	<title>Comments on: Aetna, we&#8217;re out to get ya</title>
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	<description>BTC News: News, politics, opinion and satire</description>
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		<title>By: Royce Zivan</title>
		<link>http://www.btcnews.com/btcnews/1686/comment-page-1#comment-1100937</link>
		<dc:creator>Royce Zivan</dc:creator>
		<pubDate>Wed, 25 Jul 2007 02:07:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.btcnews.com/btcnews/1686#comment-1100937</guid>
		<description>We have Aetna HMO. My husband hurt his knee on Sunday. We did not go to the emergency room (we should have)! He waited till Monday to see the Dr. The Dr wants him to have an MRI. Aetna has to approve the referral - which takes 24 - 48 or more hours! We&#039;re still waiting - it&#039;s Tuesday evening. HE CAN&#039;T WALK.Is the injury serious or not - we need the MRI to know that. He has sick leave, but his employer is losing lots of money because he&#039;s not able to do his job! So how is this all saving money? Maybe the idea is let the patiant wait, he&#039;ll just go baxk to work and forget the MRI? What if he needed the MRI to check on a blood clot in his leg? Do we just wait and wait till someone approves the referral so he can get his MRI? I guess he&#039;ll be making calls tomorrow like he did today to try and speed things along. He&#039;ll write letters to his employer so that they know about the lack of customer service at Aetna. I DON&#039;T GET IT?</description>
		<content:encoded><![CDATA[<p>We have Aetna HMO. My husband hurt his knee on Sunday. We did not go to the emergency room (we should have)! He waited till Monday to see the Dr. The Dr wants him to have an MRI. Aetna has to approve the referral &#8211; which takes 24 &#8211; 48 or more hours! We&#8217;re still waiting &#8211; it&#8217;s Tuesday evening. HE CAN&#8217;T WALK.Is the injury serious or not &#8211; we need the MRI to know that. He has sick leave, but his employer is losing lots of money because he&#8217;s not able to do his job! So how is this all saving money? Maybe the idea is let the patiant wait, he&#8217;ll just go baxk to work and forget the MRI? What if he needed the MRI to check on a blood clot in his leg? Do we just wait and wait till someone approves the referral so he can get his MRI? I guess he&#8217;ll be making calls tomorrow like he did today to try and speed things along. He&#8217;ll write letters to his employer so that they know about the lack of customer service at Aetna. I DON&#8217;T GET IT?</p>
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		<title>By: Weldon Berger</title>
		<link>http://www.btcnews.com/btcnews/1686/comment-page-1#comment-1098070</link>
		<dc:creator>Weldon Berger</dc:creator>
		<pubDate>Sat, 14 Jul 2007 14:20:38 +0000</pubDate>
		<guid isPermaLink="false">http://www.btcnews.com/btcnews/1686#comment-1098070</guid>
		<description>John, emergency rooms are for, astonishingly, emergencies. They are not intended as or suited for preventive care, primary care or ongoing care. I&#039;m aware that they&#039;re required to treat anyone regardless of ability to pay. One of the things that drives up our health care costs is that people without insurance wind up putting off care until it becomes an emergency and thus wind up seeking the enormously more expensive services at the ER rather than the less expensive routine visits that could have, if they could afford it, kept them out of the ER. 

For M, going to the emergency room with a migraine might get him an Imitrx pill or shot, and if he gets a sympathetic doctor he might go home with some samples. I suspect he would feel obligated to pay for the visit rather than just dumping the cost onto everyone else, so it would probably wind up being a $1,000 pill. The ER won&#039;t do a blood workup to check for rheumatoid arthritis, no matter what the president says, and they won&#039;t treat it, either, although they would treat the pain if he walks in screaming. 

In short, equating the ER with access to health care is not a sound response to the problem.</description>
		<content:encoded><![CDATA[<p>John, emergency rooms are for, astonishingly, emergencies. They are not intended as or suited for preventive care, primary care or ongoing care. I&#8217;m aware that they&#8217;re required to treat anyone regardless of ability to pay. One of the things that drives up our health care costs is that people without insurance wind up putting off care until it becomes an emergency and thus wind up seeking the enormously more expensive services at the ER rather than the less expensive routine visits that could have, if they could afford it, kept them out of the ER. </p>
<p>For M, going to the emergency room with a migraine might get him an Imitrx pill or shot, and if he gets a sympathetic doctor he might go home with some samples. I suspect he would feel obligated to pay for the visit rather than just dumping the cost onto everyone else, so it would probably wind up being a $1,000 pill. The ER won&#8217;t do a blood workup to check for rheumatoid arthritis, no matter what the president says, and they won&#8217;t treat it, either, although they would treat the pain if he walks in screaming. </p>
<p>In short, equating the ER with access to health care is not a sound response to the problem.</p>
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		<title>By: John Fembup</title>
		<link>http://www.btcnews.com/btcnews/1686/comment-page-1#comment-1098051</link>
		<dc:creator>John Fembup</dc:creator>
		<pubDate>Sat, 14 Jul 2007 13:21:29 +0000</pubDate>
		<guid isPermaLink="false">http://www.btcnews.com/btcnews/1686#comment-1098051</guid>
		<description>&quot;According to our president, M, all you need do is go to the nearest emergency room. &quot;

EMTALA.  Look it up. Congress gave those &quot;personal instructions&quot;.  It&#039;s the law.</description>
		<content:encoded><![CDATA[<p>&#8220;According to our president, M, all you need do is go to the nearest emergency room. &#8221;</p>
<p>EMTALA.  Look it up. Congress gave those &#8220;personal instructions&#8221;.  It&#8217;s the law.</p>
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		<title>By: Weldon Berger</title>
		<link>http://www.btcnews.com/btcnews/1686/comment-page-1#comment-1097491</link>
		<dc:creator>Weldon Berger</dc:creator>
		<pubDate>Fri, 13 Jul 2007 20:27:12 +0000</pubDate>
		<guid isPermaLink="false">http://www.btcnews.com/btcnews/1686#comment-1097491</guid>
		<description>According to our president, M, all you need do is go to the nearest emergency room. Apparently he&#039;s given personal instructions that they&#039;re to take care of you. Quit yer bitchin&#039;.

I&#039;m working on that positivity thing. I&#039;m thinking something about the great apple pies one can get on the way to the desert will do the trick.</description>
		<content:encoded><![CDATA[<p>According to our president, M, all you need do is go to the nearest emergency room. Apparently he&#8217;s given personal instructions that they&#8217;re to take care of you. Quit yer bitchin&#8217;.</p>
<p>I&#8217;m working on that positivity thing. I&#8217;m thinking something about the great apple pies one can get on the way to the desert will do the trick.</p>
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		<title>By: M</title>
		<link>http://www.btcnews.com/btcnews/1686/comment-page-1#comment-1097469</link>
		<dc:creator>M</dc:creator>
		<pubDate>Fri, 13 Jul 2007 19:34:47 +0000</pubDate>
		<guid isPermaLink="false">http://www.btcnews.com/btcnews/1686#comment-1097469</guid>
		<description>I have Aetna insurance. Kind of. It&#039;s COBRA. I wasn&#039;t aware that my outpatient coverage was limited to $2,000 a year, which oddly enough is almost exactly the amount of my premium for the year. Yeah, not much of a premium, but not much coverage either - much less than the coverage I had under Kaiser. I thought HIPAA and COBRA were supposed to guarantee that I would keep the same coverage, but gosh, was I ever wrong!

And now it&#039;s all used up, six months into the year, because the chiropractor was mistaken - his services are NOT physical therapy but office visits, so are included in that $2,000. As with the doctor - who charged Aetna $172 for an office visit so he could get $90 out of them - the chiropractor overcharged impressively, about three times the amount he wanted to get. So a few visits to the chiropractor later and I&#039;m out of coverage. I can still get up to $20,000 for hospitalization, for which I imagine the hospital would bill Aetna $40,000 to $60,000. Sounds like racketeering to me. How about you?

Meanwhile, I found I&#039;ve been paying market rates for my prescriptions. I discovered this when I renewed a prescription with Aetna Rx Home Delivery and they raised the price from $175 to $295 without telling me. They refused to take the medication back and refund my money, so now it&#039;s in dispute resolution (I hope) with Visa, and I&#039;m ordering from Canada for half the price of the generic here (free shipping!). Another medication (Imitrex - about $20 per pill) is unavailable as a generic in the U.S., so I&#039;m getting it from Canada for about one-third the price.

My only immediate quandary is what to do about the symptoms of rheumatoid arthritis I&#039;m getting in my hands at too young an age. It runs in the family. The definitive blood test costs hundreds of dollars, to be added to office visits and (if needed) medication to keep my joints from being destroyed. I don&#039;t know exactly what to do. Call my mom, I guess - though she might say something like, &quot;Well, that disease is on your father&#039;s side of the family. Call him. No, I don&#039;t know his number.&quot; She&#039;s a Republican, has free government-paid coverage stemming from his military service.

Getting another policy before this one expires would cost me a minimum of $600 a month, and it wouldn&#039;t cover my wife. Adding her would bring the cost to about half the mortgage payment, and since she doesn&#039;t have insurance now, we&#039;d have to pay maybe $12,000 for the first year&#039;s coverage plus the costs of her office visits and treatments before she gets over the pre-existing-conditions hump.

What a country. Here&#039;s a suggestion for our mutual mental health: Write something positive, substantially positive, about the U.S. because, when I think about politics based on bribery, health noncare, celebrity worship, the ascent of Liberty University law school graduates to positions of power, and the corporate state (just for starters), I kinda forget why I want to live here.</description>
		<content:encoded><![CDATA[<p>I have Aetna insurance. Kind of. It&#8217;s COBRA. I wasn&#8217;t aware that my outpatient coverage was limited to $2,000 a year, which oddly enough is almost exactly the amount of my premium for the year. Yeah, not much of a premium, but not much coverage either &#8211; much less than the coverage I had under Kaiser. I thought HIPAA and COBRA were supposed to guarantee that I would keep the same coverage, but gosh, was I ever wrong!</p>
<p>And now it&#8217;s all used up, six months into the year, because the chiropractor was mistaken &#8211; his services are NOT physical therapy but office visits, so are included in that $2,000. As with the doctor &#8211; who charged Aetna $172 for an office visit so he could get $90 out of them &#8211; the chiropractor overcharged impressively, about three times the amount he wanted to get. So a few visits to the chiropractor later and I&#8217;m out of coverage. I can still get up to $20,000 for hospitalization, for which I imagine the hospital would bill Aetna $40,000 to $60,000. Sounds like racketeering to me. How about you?</p>
<p>Meanwhile, I found I&#8217;ve been paying market rates for my prescriptions. I discovered this when I renewed a prescription with Aetna Rx Home Delivery and they raised the price from $175 to $295 without telling me. They refused to take the medication back and refund my money, so now it&#8217;s in dispute resolution (I hope) with Visa, and I&#8217;m ordering from Canada for half the price of the generic here (free shipping!). Another medication (Imitrex &#8211; about $20 per pill) is unavailable as a generic in the U.S., so I&#8217;m getting it from Canada for about one-third the price.</p>
<p>My only immediate quandary is what to do about the symptoms of rheumatoid arthritis I&#8217;m getting in my hands at too young an age. It runs in the family. The definitive blood test costs hundreds of dollars, to be added to office visits and (if needed) medication to keep my joints from being destroyed. I don&#8217;t know exactly what to do. Call my mom, I guess &#8211; though she might say something like, &#8220;Well, that disease is on your father&#8217;s side of the family. Call him. No, I don&#8217;t know his number.&#8221; She&#8217;s a Republican, has free government-paid coverage stemming from his military service.</p>
<p>Getting another policy before this one expires would cost me a minimum of $600 a month, and it wouldn&#8217;t cover my wife. Adding her would bring the cost to about half the mortgage payment, and since she doesn&#8217;t have insurance now, we&#8217;d have to pay maybe $12,000 for the first year&#8217;s coverage plus the costs of her office visits and treatments before she gets over the pre-existing-conditions hump.</p>
<p>What a country. Here&#8217;s a suggestion for our mutual mental health: Write something positive, substantially positive, about the U.S. because, when I think about politics based on bribery, health noncare, celebrity worship, the ascent of Liberty University law school graduates to positions of power, and the corporate state (just for starters), I kinda forget why I want to live here.</p>
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