NancysSummerSip
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Post by NancysSummerSip on Mar 8, 2014 13:16:24 GMT -5
Due to a hornet sting that became infected, I had to go to the local medical walk-in clinic today. I'd never been to one before, and found the service and fee (slightly higher co-pay than the doctor's office, but nowhere near the hospital ER), to be just fine. While I was waiting, a young woman and older man came in. Here is what I learned about her, based on overheard conversation (I did not speak to her, but she made no secret of any of the following): She was the patient, born in 1987 (so age 27), and they turned out to be father and daughter. She was from out of town. She was experiencing back and abdominal pain. In addition to the above, I learned that she apparently had 1) insufficient cash to pay for her clinic visit, 2) no credit card of her own to use, 3) catastrophic care-only health insurance and 4) a dad who was not really willing to fork over either the cash or CC (she had to call her mom and get a credit card number to use). After arranging for payment, she sat back down with dad, passing the time on her smartphone (looked like an iPhone, but I cannot be sure) and discussing plans to go to a well-known and very expensive concert venue this evening. So, here's my questions: 1) Smartphone, concert tickets...but no money/CC/prepaid debit card for an emergency? 2) You're going out of town...shit doesn't happen then? 3) You're 27, and have to call mommy for money for a clinic visit? (the non-insured fee for this place is $100, with additional charges, depending on what else has to be done, of course). Did I miss something here? --------------------------------------- And on a related note, thank you to YM and the Money Boards for making me smart enough to have an EF and an HSA for stuff like this.
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8 Bit WWBG
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Post by 8 Bit WWBG on Mar 8, 2014 13:19:55 GMT -5
You should have walked up and offered to pay, and said "I'm going to end up on the hook for this anyway".
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kjto1
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Post by kjto1 on Mar 8, 2014 13:40:39 GMT -5
That might have been the plan all along - walking in with no money/means to pay to see if the clinic would reduce the bill. Hoping that if a lot of hoops had to be jumped through, the clinic would cave. It didn't happen, and she did have access to her Mom's money.
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ken a.k.a OMK
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Post by ken a.k.a OMK on Mar 8, 2014 13:45:24 GMT -5
Another case of missed priorities. She's luck to have daddy take her and mommy to pay. Think about what you were doing at 27. Is this the next generation. By 27 I'd gotten an Electrical Engineering degree, completed 4 years of active duty, married, became a father, working in my field and in the Reserves.
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Post by The Walk of the Penguin Mich on Mar 8, 2014 14:31:34 GMT -5
Ugh!
I remember walking into an urgent care center at about that ago. I had an HMO and it was either that or an ER. My dad drove me, I was waaay too sick to drive myself.
I can't wrap my brain around the idea of him paying for that visit. It went on my cc as I didn't have enough cash on me and I was in no shape to hit an ATM.
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NancysSummerSip
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Post by NancysSummerSip on Mar 8, 2014 15:01:33 GMT -5
I get that her dad had to take her there...she was from out of town. And can totally understand being too sick to go to a bank or ATM, especially for you, Mich. Heaven knows you've been through your share of crap. But no money, no CC, no debit card? Nada, nothing, zilch? And she's talking about the concert she's going to tonight? Granted, she likely already had tickets for the show. But food, beer, etc., while you're there adds up. How do people travel and not have anything cash-wise, or a CC or at least a pre-loaded debit card to fall back on in the event of an emergency? I have an HSA with a CC attached to it, primarily for that reason (hubby broke his leg on vacation a few years ago, which is what prompted me to start the account.)
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chiver78
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Post by chiver78 on Mar 8, 2014 16:33:41 GMT -5
I get that her dad had to take her there...she was from out of town. And can totally understand being too sick to go to a bank or ATM, especially for you, Mich. Heaven knows you've been through your share of crap. But no money, no CC, no debit card? Nada, nothing, zilch? And she's talking about the concert she's going to tonight? Granted, she likely already had tickets for the show. But food, beer, etc., while you're there adds up. How do people travel and not have anything cash-wise, or a CC or at least a pre-loaded debit card to fall back on in the event of an emergency? I have an HSA with a CC attached to it, primarily for that reason (hubby broke his leg on vacation a few years ago, which is what prompted me to start the account.) I see it more and more as I keep going back for my concert cruises. I'm with you - I can't wrap my brain around not having the safety net if needed.
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Deleted
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Post by Deleted on Mar 8, 2014 17:10:30 GMT -5
How do people travel and not have anything cash-wise, or a CC or at least a pre-loaded debit card to fall back on in the event of an emergency? I have an HSA with a CC attached to it, primarily for that reason (hubby broke his leg on vacation a few years ago, which is what prompted me to start the account.) My parents live in Myrtle Beach and they said tourists occasionally knock on the door of their church and ask for handouts because they've run out of money. No particular explanation (robbery or medical emergency)- they just ran out of money.
And yes, I'd be ashamed to have to ask my parents to pay for my medical care at age 27. It reminds me, though, of a story told by the wife of an actuary I know. Their son majored in History and was working some slave job with no benefits. He needed medical care for some bug that wouldn't go away and the doc gave him samples of some prescription so he wouldn't have to pay for them out of pocket He was so embarrassed at needing what he considered charity that he started studying for actuarial exams. Now he's got a job with medical insurance.
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milee
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Post by milee on Mar 9, 2014 9:10:02 GMT -5
I wonder if she's drug seeking. Back pain is one of the common claims drug seekers use because it's common and difficult to disprove (a cause doesn't always show up on diagnostic equipment and docs know that). ERs are getting tougher about not giving out narcotic pain meds without doing more complete workups and checking records, but independent urgent care clinics might be easier targets.
In any case, if you just have back pain and want a scrip, urgent care is a reasonable place to go, but if you also have abdominal pain, that indicates the possibility of a more acute issue than most urgent care's are equipped to deal with so in most cases you'll end up in the ER anyway. Not that most people would know that, just an FYI for anyone else on the YM board trying to save time and money.
Nancy, I hope your hornet's sting is feeling better.
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grits
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Post by grits on Mar 9, 2014 9:15:31 GMT -5
I recently used an urgent care that had its own EKG, Xray, testing lab, and stuff. It was run by a hospital. The total bill was a lot less than an ER visit. I recently saw a sign for a walk-in clinic that charges $30 for the office visit.
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Phoenix84
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Post by Phoenix84 on Mar 9, 2014 15:32:30 GMT -5
Doesn't really mean much, you never know someone's personal situation.
When I was about her age, maybe 26 or so, I was wrongfully terminated from my job. I had money saved, but between the bills and lawyer fees it didn't last for more than a few months before I had to ask my parents for a loan. I didn't have insurance at the time, so if I did have to the ER or medical clinic, I probably would have had to ask my parents to pay for it.
I did have a cell phone (not a smartphone) but I got it before I lost my job and my contract was still going. I would have had to pay early termination fees to get rid of it.
I didn't go to any concerts or anything, heck, I didn't do much of anything. Though eventually I did get cabin fever hard core and drove to Virginia to meet up with some friends. I just couldn't stand being in the same place anymore.
Anyways, things worked out in the end, I got a job, paid the money I borrowed back to my parents, and continued on as a responsible adult.
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NancysSummerSip
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Post by NancysSummerSip on Mar 9, 2014 15:39:12 GMT -5
I wonder if she's drug seeking. Back pain is one of the common claims drug seekers use because it's common and difficult to disprove (a cause doesn't always show up on diagnostic equipment and docs know that). ERs are getting tougher about not giving out narcotic pain meds without doing more complete workups and checking records, but independent urgent care clinics might be easier targets.
In any case, if you just have back pain and want a scrip, urgent care is a reasonable place to go, but if you also have abdominal pain, that indicates the possibility of a more acute issue than most urgent care's are equipped to deal with so in most cases you'll end up in the ER anyway. Not that most people would know that, just an FYI for anyone else on the YM board trying to save time and money.
Nancy, I hope your hornet's sting is feeling better. Thanks. It looks better, though it is only being treated topically. No oral meds, because those that are indicated for this type of infection are all on my "I'm allergic to it" list. I go back tomorrow to have the wound checked.
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Deleted
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Post by Deleted on Mar 9, 2014 17:42:57 GMT -5
Doesn't really mean much, you never know someone's personal situation.
When I was about her age, maybe 26 or so, I was wrongfully terminated from my job. I had money saved, but between the bills and lawyer fees it didn't last for more than a few months before I had to ask my parents for a loan. I didn't have insurance at the time, so if I did have to the ER or medical clinic, I probably would have had to ask my parents to pay for it.
I did have a cell phone (not a smartphone) but I got it before I lost my job and my contract was still going. I would have had to pay early termination fees to get rid of it.
I didn't go to any concerts or anything, heck, I didn't do much of anything. Though eventually I did get cabin fever hard core and drove to Virginia to meet up with some friends. I just couldn't stand being in the same place anymore.
Anyways, things worked out in the end, I got a job, paid the money I borrowed back to my parents, and continued on as a responsible adult. you didn't have any credit cards?
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❤ mollymouser ❤
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Post by ❤ mollymouser ❤ on Mar 9, 2014 17:57:18 GMT -5
I wonder if she's drug seeking. Back pain is one of the common claims drug seekers use because it's common and difficult to disprove (a cause doesn't always show up on diagnostic equipment and docs know that). ERs are getting tougher about not giving out narcotic pain meds without doing more complete workups and checking records, but independent urgent care clinics might be easier targets.
In any case, if you just have back pain and want a scrip, urgent care is a reasonable place to go, but if you also have abdominal pain, that indicates the possibility of a more acute issue than most urgent care's are equipped to deal with so in most cases you'll end up in the ER anyway. Not that most people would know that, just an FYI for anyone else on the YM board trying to save time and money.
Nancy, I hope your hornet's sting is feeling better. Thanks. It looks better, though it is only being treated topically. No oral meds, because those that are indicated for this type of infection are all on my "I'm allergic to it" list. I go back tomorrow to have the wound checked. Are you doing a hot soak with epsom salts?
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Knee Deep in Water Chloe
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Post by Knee Deep in Water Chloe on Mar 9, 2014 22:34:30 GMT -5
I'll acknowledge that it could be a situation like Phoenix's, but ... XH won't pay child support, bought a new 60" TV, added netflix and amazon tv, a new camera and tripod, and a tablet last week. Plus, they ate at restaurants four times this weekend.
I called in dd#2's epilepsy meds, and he was supposed to pick them up as she was with him. Even though I checked when I called, te insurance wasn't working when they got to the pharmacy. He refused to pay the $89. My daughters had to call me and ask me to pay for them over the phone. I got the insurance fixed and paid the copay. Asshat. I realize this this is mildly off topic, but I suppose I just needed to vent.
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Post by The Walk of the Penguin Mich on Mar 10, 2014 9:00:39 GMT -5
I wonder if she's drug seeking. Back pain is one of the common claims drug seekers use because it's common and difficult to disprove (a cause doesn't always show up on diagnostic equipment and docs know that). ERs are getting tougher about not giving out narcotic pain meds without doing more complete workups and checking records, but independent urgent care clinics might be easier targets.
In any case, if you just have back pain and want a scrip, urgent care is a reasonable place to go, but if you also have abdominal pain, that indicates the possibility of a more acute issue than most urgent care's are equipped to deal with so in most cases you'll end up in the ER anyway. Not that most people would know that, just an FYI for anyone else on the YM board trying to save time and money.
Nancy, I hope your hornet's sting is feeling better. It really isn't any easier to get pain meds here either. I took my stepmom to an urgent care center in November. There was a BIG sign on the desk saying that they do not prescribe narcotics. We were in there as she was showing early signs of shingles and from what I read, if you get on the anti-virals early, you can shut things down and alleviate 90% of the symptoms. She was and it did.
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NancysSummerSip
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Post by NancysSummerSip on Mar 10, 2014 9:14:36 GMT -5
Thanks. It looks better, though it is only being treated topically. No oral meds, because those that are indicated for this type of infection are all on my "I'm allergic to it" list. I go back tomorrow to have the wound checked. Are you doing a hot soak with epsom salts? Yes, mom. Seriously, my mom would have asked that question. Shucks, now I miss her.
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NancysSummerSip
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Post by NancysSummerSip on Mar 10, 2014 9:17:46 GMT -5
I wonder if she's drug seeking. Back pain is one of the common claims drug seekers use because it's common and difficult to disprove (a cause doesn't always show up on diagnostic equipment and docs know that). ERs are getting tougher about not giving out narcotic pain meds without doing more complete workups and checking records, but independent urgent care clinics might be easier targets.
In any case, if you just have back pain and want a scrip, urgent care is a reasonable place to go, but if you also have abdominal pain, that indicates the possibility of a more acute issue than most urgent care's are equipped to deal with so in most cases you'll end up in the ER anyway. Not that most people would know that, just an FYI for anyone else on the YM board trying to save time and money.
Nancy, I hope your hornet's sting is feeling better. It really isn't any easier to get pain meds here either. I took my stepmom to an urgent care center in November. There was a BIG sign on the desk saying that they do not prescribe narcotics. We were in there as she was showing early signs of shingles and from what I read, if you get on the anti-virals early, you can shut things down and alleviate 90% of the symptoms. She was and it did. Funny you bring that up. I had what I thought was a shingles attack awhile back. Turned out not to be, but scared my doctor enough into finally giving in and giving the OK for a shingles shot. He's fought it for years, telling me I'm too young, too healthy, etc. FWIW, I've had chicken pox. And the scary thing is, I live with someone much older, with a compromised immune system, who has never had chicken pox. And there is no real agreement on the age at which the vaccine should be given. Sixty is the generally accepted age, but the CDC has long argued for a lower age, like closer to fifty.
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bean29
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Post by bean29 on Mar 10, 2014 9:47:12 GMT -5
It really isn't any easier to get pain meds here either. I took my stepmom to an urgent care center in November. There was a BIG sign on the desk saying that they do not prescribe narcotics. We were in there as she was showing early signs of shingles and from what I read, if you get on the anti-virals early, you can shut things down and alleviate 90% of the symptoms. She was and it did. Funny you bring that up. I had what I thought was a shingles attack awhile back. Turned out not to be, but scared my doctor enough into finally giving in and giving the OK for a shingles shot. He's fought it for years, telling me I'm too young, too healthy, etc. FWIW, I've had chicken pox. And the scary thing is, I live with someone much older, with a compromised immune system, who has never had chicken pox. And there is no real agreement on the age at which the vaccine should be given. Sixty is the generally accepted age, but the CDC has long argued for a lower age, like closer to fifty. I get what you are saying, I remember my Grandmother had shingles more than once. My Niece and Nephew both had chicken pox as children, but got shingles in their late teens, early 20's. My Mother has had shingles several times. She mentioned to me that the Vaccine is only about 20% effecive - I asked her if she wanted to take a 20% chance of not suffering through shinges again, and she said yeah, your right I should get the vaccine. PS my DD had the complete series of Chicken pox Vaccines, however she recently got Chicken Pox. Normally when someone suffers a "Breakout" case of Chicken pox their last Vaccine is more than 10 years out...hers was 8 years ago. Make sure your kids get their boosters before they start college.
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NancysSummerSip
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Post by NancysSummerSip on Mar 10, 2014 9:50:10 GMT -5
Funny you bring that up. I had what I thought was a shingles attack awhile back. Turned out not to be, but scared my doctor enough into finally giving in and giving the OK for a shingles shot. He's fought it for years, telling me I'm too young, too healthy, etc. FWIW, I've had chicken pox. And the scary thing is, I live with someone much older, with a compromised immune system, who has never had chicken pox. And there is no real agreement on the age at which the vaccine should be given. Sixty is the generally accepted age, but the CDC has long argued for a lower age, like closer to fifty. I get what you are saying, I remember my Grandmother had shingles more than once. My Niece and Nephew both had chicken pox as children, but got shingles in their late teens, early 20's. My Mother has had shingles several times. She mentioned to me that the Vaccine is only about 20% effecive - I asked her if she wanted to take a 20% chance of not suffering through shinges again, and she said yeah, your right I should get the vaccine. PS my DD had the complete series of Chicken pox Vaccines, however she recently got Chicken Pox. Normally when someone suffers a "Breakout" case of Chicken pox their last Vaccine is more than 10 years out...hers was 8 years ago. Make sure your kids get their boosters before they start college. No kids to worry about. But DH has never had chicken pox, and he is 70, so he is real worry in my book. And I've heard the shingles vaccine is not perfect. But I'd go for it, and keep myself healthy as well. It's all I can do, really.
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Wisconsin Beth
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Post by Wisconsin Beth on Mar 10, 2014 9:52:21 GMT -5
I hope you're healing nicely Nancy.
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justme
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Post by justme on Mar 10, 2014 10:20:02 GMT -5
I wonder if she's drug seeking. Back pain is one of the common claims drug seekers use because it's common and difficult to disprove (a cause doesn't always show up on diagnostic equipment and docs know that). ERs are getting tougher about not giving out narcotic pain meds without doing more complete workups and checking records, but independent urgent care clinics might be easier targets.
In any case, if you just have back pain and want a scrip, urgent care is a reasonable place to go, but if you also have abdominal pain, that indicates the possibility of a more acute issue than most urgent care's are equipped to deal with so in most cases you'll end up in the ER anyway. Not that most people would know that, just an FYI for anyone else on the YM board trying to save time and money.
Nancy, I hope your hornet's sting is feeling better. The Florida urgent care clinics are starting to no longer prescribe narcotics. I went in for a migraine (after I'd taken the max allowed dosage of my meds) and they said they couldn't give me anything and I had to go to the ER. So instead of a small bill for something like a Demerol shot and steroids (something stronger than vicodin, had that at home and it was working) my insurance got stuck with paying $1000 for the hospital to give me something.
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NancysSummerSip
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Post by NancysSummerSip on Mar 10, 2014 11:09:53 GMT -5
I hope you're healing nicely Nancy. Thanks, Beth. And now y'all have me curious about the narcotic thing. I know this clinic does have a dispensary, but if I recall correctly, it does not dispense narcotics of any kind. Not sure about narcotic shots, though, but I'll check. I don't recall seeing them listed on the prices and services board; I wonder what they will do if I just ask out of curiosity?
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Phoenix84
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Post by Phoenix84 on Mar 10, 2014 12:13:32 GMT -5
"You didn't have any credit cards?"
I had credit cards. I guess I could have used them if I had to, and then paid 20% interest and gone into debt like the rest of America.
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bean29
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Post by bean29 on Mar 10, 2014 14:26:12 GMT -5
You know it is interesting my BIL said this weekend that his has 2 compressed disks in his back and they want him to take a month off. I asked if he would get disability pay and he said yes, but with a 30 day elimination period. I then asked about his deductible on his health insurance and he said it is $10,000 and he can not afford that either. BIL said he is going to go back to work. My BIL is not a deadbeat. He has been steadily employed in a non union construction job for 10+ years. He is 34/35. He now does emergency glass/board up work for the same company. One would think they could afford to give their employees better insurance. Hopefully the economy will improve and workers will get better pay/benefits options. Said BIL's 17 year old DD went to the MILEY concert yesterday coutesy of her Uncle who bought the tickets for her and DD. You don't know how that girl got the concert tickets, for all you know she won them in a contest.
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happyhoix
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Post by happyhoix on Mar 10, 2014 15:04:16 GMT -5
I'll acknowledge that it could be a situation like Phoenix's, but ... XH won't pay child support, bought a new 60" TV, added netflix and amazon tv, a new camera and tripod, and a tablet last week. Plus, they ate at restaurants four times this weekend. I called in dd#2's epilepsy meds, and he was supposed to pick them up as she was with him. Even though I checked when I called, te insurance wasn't working when they got to the pharmacy. He refused to pay the $89. My daughters had to call me and ask me to pay for them over the phone. I got the insurance fixed and paid the copay. Asshat. I realize this this is mildly off topic, but I suppose I just needed to vent. You're right, he's an asshat. And a grown up man who likes his toys.
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Deleted
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Post by Deleted on Mar 10, 2014 15:06:55 GMT -5
"You didn't have any credit cards?"
I had credit cards. I guess I could have used them if I had to, and then paid 20% interest and gone into debt like the rest of America. yes because using a credit card for a medical emergency is a frivious expense....much better to borrow from the bank of mom and dad....and what credit cards do you have that are 20% interest?
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swamp
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Post by swamp on Mar 10, 2014 15:09:52 GMT -5
what's wrong with borrowing from your parents if they're willing to do it, and you pay them back?
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Deleted
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Post by Deleted on Mar 10, 2014 15:13:36 GMT -5
what's wrong with borrowing from your parents if they're willing to do it, and you pay them back? well considering the original post was about a woman who had to call her mom to pay the copay at the urgent clinic and all the bashing it received, seems like most people don't consider it a viable option.
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happyhoix
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Post by happyhoix on Mar 10, 2014 15:15:27 GMT -5
I know there has been a lot of complaints about Obamacare requiring young adults to have insurance, but honestly, this is exactly the kind of situation that's designed to fix.
If this girl didn't have a mommy with a credit card, she would have needed an ER visit. The ER would recoop the money they lost on her by charging more for patients who DO have insurance.
27 year olds don't think anything will happen to them. Until it does. Making them have a basic insurance policy is not a bad thing, not when it means the rest of us don't have to cover them.
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