Wednesday, January 9, 2013

To Copay or Not to Copay

For those counting I have now been sick for 12 days. My flu has turned more into a lovely sinus pressure and post nasal drip combo. I keep hoping it will go away, but so far it has not. I hate taking unnecessary antibiotics and my experience has been that if you go to the doctor, they just prescribe them to you anyway, so I keep trying to wait it out and hope it clears up on its own. Though I have good health insurance, the copay system is such that you don't pay until after the visit and the insurance company decides the copay based on how much the service cost, so you end up getting a surprise bill a month or two later and I LOATHE that system so I generally just avoid the doctor if at all possible. Sidenote, the copay for my therapist: $6.67 per visit.  I'm happy it's mostly covered, but having to write a check each week for an amount I likely have in change in the seat of my car is annoying. 

It still hasn't fully hit that my grandmother has died. She fell ill the night before I arrived in Phoenix so I never got to see her before she passed. I was able to talk to her on the phone and though she couldn't respond because of the tubes, my Dad says she was following directions and understanding so at least there is that. I wish I could have given her news of a new great-grandchild, but I'm still not pregnant. The whole thing just happened so fast. She was 100% fine Christmas Eve and then fell suddenly ill overnight and was gone 11 days later. 

Come to think of it, perhaps I should just brave the copay....you just never know. 

2 comments:

  1. Oh my goodness! I hope you feel better soon. Health insurance really does blow goats. I don't have any currently which is REALLY bad but the copay situation with your insurance sounds really awful. I like surprises but not the kind that come in the mail with an invoice.

    I am so sorry the loss of your grandmother and I hope that 2013 will be a wonderful year for you. You very much deserve it! <3

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  2. It has been a few weeks since you posted this, so I hope you're feeling MUCH better by now!

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