Those of you on Facebook know that my husband has been facing a medical crisis.
He had had a headache for several weeks and then had a major change in personality / behavior. I had been requesting that he contact his doctor before that change because he wasn't getting better. Of course, I was ignored.
He has United Health Care Choice insurance which we can't figure out exactly what the term Choice means. However, Baylor Scott White System is in network.
I've done research and different insurance experts at Baylor Scott White have been helping. He has a deductible of $2000, which was alarming, I'm used to $1000 deductible. He also has an out of pocket maximum of $6250, which I'm sure we hit the first day in the emergency room, if not there, in the operating room/recovery room.
So here's what has happened. He has seen his primary care doctor twice (office visits of $30 copay). We were sent for a CT scan and have paid co-pays and full price for the scan itself and for the reading.
We were sent to a specific facility and doctor (both in network). We'll pay copays for emergency room and full price for any of that care until we hit the deductible. Then we'll pay just copays and 20% of anything. Once we hit the maximum out of pocket, we don't pay any more.
So far, here's what we got:
2 primary care visits
At least 2 CT Scans
1 emergency room visit
consult by trauma residents
brain surgery and recovery
Surgical ICU for at least 2 days
Regular hospital room for the remainder of the vists
Daily visits by neuro surgeon and by trauma doctor, PT, Speech Therapy, and one visit by Social Worker for plan.
Follow up visits with neurosurgeon, primary care physician
Out patient therapy
It could have been worse.