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Originally Posted by Howard Beale
@doc and everybody else who might hurt themselves trying to build something: Here's a pro tip from we Jews who don't know anything about building things: HIRE SOMEONE ELSE TO DO IT!
I actually know how to build some simple ****, but materials get heavier and I absurdly think that if I can **** four or times a week, I'm in good enuf shape to fashion a couple of garage shelves. Aside from the obvious +EV of paying someone a fraction of the amount money that I could be making doing something else like playing doctor, there's really no excuse that makes any sense. The only real downside to hiring or contracting for the job is that it will invariably cost 3x as much and take twice as long or will take 3x longer and cost twice as much.
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Originally Posted by callipygian
1. I hope you feel better.
Thank you. MRI showed an acute T12 compression fracture with considerable edema of the vertebral body.
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2. I don't think the implied generalization of your experience works. Insurance is of course EV- (companies make money so they must pay out less than they take in). But insurance isn't about EV, it's about variance. You can afford to pay $464 straight up - an alarming number of Americans can't.
So a system where you ask everyone to pay individually isn't compatible with a promise to treat everyone. We can drop the latter - you show up at the ER without money, you die - but most people dislike that (and Reagan signed that bill into law and far be it from me to criticize Reagan).
Asking everyone to make cost benefit decisions and pay individually is only really possible if the level of medical and financial knowledge in the general public were higher (that is, you can't expect people to make a rational decision about whether an MRI is cost-justified when the general public is so scared of the word "nukular" that the NMRI machines had to be renamed MRI machines). Again, probably great for you (and me), but just not gonna work as a general policy.
You're spot on with all of your comments. And you're also correct that I have a decided edge wrt understanding the body's pathophysiology and the modalities employed to diagnose and treat the same. I suppose the rant part of my story has more to do with the notion that it is possible for someone to get a test or treatment (for an isolated occurrence) for condiderably less out of pocket money than they would pay for the same service using their insurance and incurring the copays and applicable deductibles.
This obviously wouldn't work for treat of chronic or expensive conditions.
(This post needs a Howard Beale shout out of, "We're sick and tired of this and we're not gonna take it anymore.!")
Meaningless anecdote. I told the MRI tech that lying down on the stretcher while the test was being performed shouldn't be much of a problem. I did warn him that getting off the stretcher could be a problem in that I hadn't tried to arise from a supine position for five days and my last attempt was a dismal and painful failure.
MRI is completed and it's time to arise. Only I couldn't get up and was 'stuck.' The pain and spasms are completely involuntary- and incapacitating. I felt like a little girl (actually more like a little boy whose pain tolerances are generally less than girls) when they took me to the ER, started an IV and gave me more steroids, Dilaudid and Ativan just to get my sorry ass off that stretcher. The ER unit secretary graciously drove me home and is picking me up in the morning since my truck is still in the parking lot and I have to work.