The rational health consumer...
A unique episode for our household: we have met our deductible expenses for our high-deductible (catastrophic) health insurance policy. Jan had a procedure in the spring we had expected and the usual routine care has soaked up the maximum for both of us, so...
When my doctor expressed concern over some blood pressure readings and suggested more testing, I experienced an unusual reaction: Why the heck not? I had fobbed her off for years. That pretty much blew her mind - she is very careful with patients like me who have an economic dog in the fight.
But I'm still struggling to grasp what it must be like for those who have become used to "real" medical coverage. After some discussion, we are catching up on some preventative blood and cardio-vascular tests while 2010 still shows on the calendar.
I can almost justify my medical avarice because of the whacking 22% rise in my premiums this year. Or the fact that we have essentially been supporting high-users for all our premium-paying lives. But I really don't like making health decisions this way.
I mean, driving back from the cardiologist, I actually thought, "With any luck, I'll have my bypass operation this year."