June 26, 2018
I called my health insurance company this afternoon. I have an appointment with the eye surgeon on Friday, and I wanted to know before I went, whether or not cataract surgery is covered by my insurance.
Well it is, and it isn't. ONLY 50% of it will be covered, and only **after** I meet my $5800 deductible. So, in effect, I have to pay for it myself.
I don't know exactly what this Dr would charge, but a quick Google search gave me a rough idea of the going rate.......about $3600 without insurance. Since that's less than my deductible, it's essentially like being without insurance.
It's a lot of money. And what the hell good is health insurance if it doesn't cover squat? I pay more and get less for it every year. Deductibles and co-pays go up, coverage goes down (just last year it covered 80% after a $5000 deductible.)I
So, my dilemma is: do I do it anyway and pay for it? Or do I wait till I can have it covered by Medicare? I won't qualify for that for another 4 1/2 years. The ophthalmologist said the cataract is "pretty dense", but it isn't really bothering me. I don't suppose it will get better, but it may not get that much worse, either. Do I take a chance waiting and risk it being more complicated later on?
I assume my current health insurance will only continue to cost more and cover less, and the cost of the surgery will only go up, too. But geez Louise, it's a lot of money, for me, anyway. On the other hand, I could consider it an investment. In myself.
I need to decide what to do, cause it I decide *not* to do it, I have to cancel the Dr appointment by Thurs. (Why pay the co pay it I'm not going to go through with it?)
Just don't know what to do.