Tags: health insurance

Health Insurance 2013

October open enrollment time is upon us....and it looks like next year is going to be interesting.... where staying with Plan C is the way to go still though. The deductible goes up to $2500 from $1500. Hopefully Xyrem will come first and take care of it in one fell swoop. After that...the insurance pays 100% of everything for the rest of the year. And, the monthly premium is like $2.04....

One of the joys of being single, I suppose.

Kind of easier than the $1500 deductible and then some co-insurance amount until another $1500. To where they've been paying 100% since mid-May. Also the employer contribution to the HSA is done as a lump sum at the start of the year. So I should
have no problem meeting the whole deductible at once, unlike last year.

Full story »

I had a Spinal Tap

...though I don't know why, but hope that I'm not in the 11.5%

This all started when I had a January 13, 2011 appointment following my PSG/MSLT of December 2&3, 2010. The finding of the MSLT was 'normal', and there was no room for discussion or questions on it with my sleep doctor. But, while I was waiting on the MSLT results, I got a letter dated December 14, 2010 from Stanford saying had the DQB1*0602 subtype.

After the appointment, I was to get a referral to somewhere like Stanford and maybe I should see a Neurologist because maybe I'm actually have seizures and not EDS + sleep attacks. When I asked what 'somewhere like Stanford' might be, the doc said Stanford is the only place he knows so that's where. So, why did he say 'somewhere like Stanford' if he doesn't know any such place.

But, the whole Stanford thing seemed to stall after I was told that I needed to call my insurance and tell them if it would be covered...and not just let me tell them there that it would be covered. Somehow leaving and then saying that I had called my insurance was better than just saying it? :??: Anyways, I called, and found out that it would they would be covered as an in-network provider (so even better than I had thought).... But, when I called back, the doc said that he had been thinking and probably wouldn't do the referral now.

The following week, I got a call from his office saying they had called the number of Stanford...and it was not in service, and wanted me to find out the correct number. I provided them with the number that was on their website, the URL being part of the letter that they had gotten the number they had called from. Though later it occurred to me, that Monday, January 17th was President's Day. Which was a University holiday for me, and likely was a University holiday for Stanford....and I found out that it was, and they were closed that day.

And, then I heard nothing..... I contacted Stanford a few times after this, and they average about 3 calls from medical professional each day but they don't recall having gotten any phone call from mime.

After a couple months, I decided to take it upon myself to do the second thing....and found a nearby neurologist that I wanted to see. I had first appointment with him, on March 28, 2011, during which he said he wanted to see the MSLT data for himself since it looked borderline and I finally got something for my RLS and he wanted to run a bunch of other tests, such as MRI and then he would see me in about a month and after he get's back from vacation.

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