J and I weren't imagining it yesterday when it seemed as though Dr. C. was overly concerned with the costs of my care. Our insurance is doing cut backs. The pharmaceutical companies are no longer donating extra medicines to our hospital. Tricare is trying to disallow anyone under the age of 65 from using it as their primary insurance coverage, which means we'll be forced to buy into another insurance program soon, and if you are using Tricare then when you need a prescription that the hospital pharmacy doesn't have you are going to pay out big. The formulary costs are now going to be raised to a modest $14 co-pay but the non-formulary are going up to $44 per script some time next year. So far this is just proposed but each time a hike in our co-pays has been proposed it has been passed.
My infertility clinic here has had most of their funding cut because of the government budget cuts. No wonder their score has dropped to a 41 out of 100.
- In Vitro Fertilization (IVF)
- Gamete Intra fallopian Transfer (GIFT)
- Intracytoplasmic Sperm Injection (ICSI)
- Embryo Cryopreservation
- Frozen Embryo Transfer (FET)
- Intrauterine Insemination (IUI)
- Blastocyst Transfer
- Preimplantation Genetic Diagnosis (PGD)
Nurse S said that they will no longer be doing P4, E2, FSH, LH or any other blood draws because of cut backs except for betas on me monthly. I had requested a CD3 for next cycle but they can't afford it.
Nurse S told me that they will be able to continue to help me get pregnant through natural cycles and TI. Well um, do I really need them then? What are they going to be able to offer me?
This isn't my only clinic that has cut back on their services. I can't get appointments with rheumatology, neurology, or pain management within my hosptial. Actually I can get pain management outside of the hosptial if I don't mind driving 1.5 hours to get to the place that they offered me. But rheumatology and neurology services don't exist for me now with the budget cuts. When I first moved here I was due to see a neurologist because of a car accident I had been in two months prior. I got denied by my insurance for treatment. I was however able to get an MRI within a week of my doctor requesting one and at the MRI clinic on post next to the hospital. Now I have to wait for a denial letter from MAMC Tricare and a call from an imaging place off the installation to get an MRI. Mind you the nerve damage in my back and neck is not getting better and I'm dropping things more often.
Still Tricare is better than no insurance. Soon I won't have insurance when J no longer has his job. Congress has really tied the military's hands. We aren't getting the medical treatments for our soldiers that they desperately need even with taking away benefits from the family members.
Congress isn't opting to take a pay cut but they are saying our military is overpaid in comparison to the civilian sector. Hmmm, $25,000.00 a year for the average E-4 is too much? I beg to differ.
Back in the 1990's- early 2000 I would have received my dental care, though I was paying for the insurance for it, through the dental clinics on the installation. Now they only treat the soldiers. I go outside the fence for dental care and the costs out of pocket are crazy expensive even with my insurance.
I'm beginning to think that if the military went back to using its own clinics we might have less available appointment but a better use of our funding. When we go outside the fence for medical care we pay extra. It's like paying contractors to do the same jobs that the military is capable of handling. But we are paying more out of our budget to support the local economy.
My husband explained it to me the other day. When his office runs out of the paper and ink supplies they need to create imagery they aren't allowed to go to the Express Supply on post which is run by the government for the government workers, instead they have to go outside the fence and support the local economy which does cost more. But they have rules they have to follow. Nothing like tying the hands the military with more stipulations.
Hope that this long post helps unravel the confusion. I'm thinking it won't but I tried.