Medical costs

I was reviewing my claims under Premera Blue Cross Blue Shield for my recent medical emergency during my ‘help mom out’ visit to California.

My out of pockets for the six prescriptions was $36.71. I am very very grateful indeed for good medical coverage. The ambulance bill to be transported 13 miles in the dead of the night was $2,589 and change – I am waiting to hear what my portion of that will be. No word yet on the emergency room charges.

While I was reviewing the pharmacy stuff, it caught my eye that CVS  Pharmacy in Healdsburg CA (store # 1173) charged my insurance $223.93, the retail prce printed on the informational sheet was $57.99, and my out of pocket was $8.65. What? I looked deeper. 10 Ondansetron 4 mg tablets cost my insurance company $223.93. Over $20 per tablet charged by CVS to Blue Cross to grant me relief from nausea. I want to emphasize I was NOT responsible for the huge dollar amount, my cost was less than a buck a pill.

Still – The charge to my insurance company was completely outrageous. I wanted to know if an error had been made, or if they were being scalped.

So I called Premera. I spoke with John, who listened to my story and seemed to understand my concern was not that I’d be charged anything extra, but that this cost seemed out of line with what was provided, especially in view that the retail price was printed on the medication sheet as a still expensive $57.99.

John called Express Scripts (the branch that deals with pharmacy stuff for Blue Cross in Healdsburg). They confirmed the $223.93 was customary and correct.

Whoa.

When I encounter things like this I can’t help but wonder how long it takes for that $223.93 takes to get magnified and passed down to you and me as monthly premiums for our insurance, if we are so fortunate as to have insurance. Because somebody, somewhere, is eating that charge. And I have a very difficult time believing it costs $22 per tablet to manufacture Ondansetran (generic for Zofran) and still turn a healthy profit.

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Ouch. I think our out of pocket for the mom-stress induced medical emergency is going to be in the neighborhood of $3,000. About 20% of the total bill which is nearing $15,000. I am indescribably grateful we have health insurance.

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Kate is 11

 

 

Happy 11th birthday to my sweet natured barky girl Kate.
She is my fighter jet on a kite string sheep herder, snuggle buddy, lazy – smart rally-er (Down. Dooowwnnn. Doowwwnnnn, Kate, pat pat pat), pretty conformation girl.

We have had an awful lot of fun from your Best of Breed at our first Conformation show, realizing you had no clue what Down meant at our first Rally trial, your fair weather herding where we worked so hard to finish your AKC Started Course A title which included a Reserve High in Trial with our friend Suzanne.

You helped Bing become a better more confident boy with your puppyhood shenanigans. You are such a dear sweet girl.

Here’s to many more years of snuggles and surprises. I’m so grateful Kat entrusted you to me.

GCH CH WALES TAILS KISS ME KATE RA HSAS CGC ASCA STDs AHBA JHD RATI CWCCA VC

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14 years

Thank you Kathy Seube and Floyd for trusting me with my first Cardigan.

He is 14 today. We’ve had such adventures.

I imagine you watching us from Heaven, Kat. I think you’d approve of how far we’ve come.

 

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Harebells

I enjoy seeing the harebells bloom.

I painted our door to match them a few years ago, and Es door to match this year.

 

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And done

Mercy I’m tired.
Floor, baseboard, door trim all done.
Remaining: light switch, room reload.

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Floor

Floor is down. 

I’m feeling proud. I thought Scott would do this part of the project but he is run down and his energy is very low. I’m grateful for the work he has done – several hours each night. But – I have done 85% of this project on my own. Not quite what I’d planned for, and put me waaay behind schedule. E will be home in a few minutes. She will sleep in the living room tonight, and probably tomorrow night, as her room is full of the contents of the spare room. 

Next:

-Scrape bead off wall left behind by old baseboard

-Install new baseboard and door trim

-Caulk top edge of baseboard / trim

-Replace light switch

-Reload room

Figure about another 12 hours of work. Phew. I’m getting tired. 

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Fiddly bits

I like how the bits around the closet came out.

Plus first coat of paint is in the baseboard and trim.

 

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Finish is in sight

Almost there, with the ‘easy’ part. 

Last two rows will be time consuming. I have to rip at least 5 boards, notch two for pipes, notch two more for the closet bump.

Hard parts to come. Clean up wall where old baseboard and trim left their caulk residue. Paint new baseboard and door trim. Cut and install baseboard and trim. 

Then the Herculean task if reloading the room. Four book cases and more. 

Ok. Quit procrastinating. Drink of water and back at it. 

 

E returns home this afternoon.

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More flooring

More progress. The transition strip is ugly but I installed it in such a way that we can redo more precisely at a later date. Like when we aren’t in a time crunch to git ‘er done before E returns home.

 

 

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Flooring

After 15 years in the house, and 6 years after doing the flooring in the rest of the house, we are ripping out the last of our carpeting. 100 sf room, not a bedroom as it lost its window when the garage was built by the previous owner.

Mice took over the the underlayment we had stashed. Hope to find one usable roll.

In in the meantime, progress.

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