Private medical insurance coverage – the umbrella you can only open when it isn&#39t raining. @ Brian Edwards …

PET scan 2

We had some fairly excellent information these days: the PET scan which Judy had a week ago suggests that her chemotherapy and radiotherapy treatment has dealt to her oesophageal cancer. I say ‘suggests’ because we cannot be totally certain. Judy’s brilliant (and lovely) radiation oncologist is quite certain that what may look like residual cancer on the scan is in fact inflammation resulting from the dilation treatment method she’s getting to widen her constricted oesophagus. All good.

Not so very good is the reality that Southern Cross, to which we have contributed tens of 1000’;s of bucks above the years, will not pay out for the PET scan. They only shell out out on a single PET scan per claim year, from 1 August to 31 July, and this was Judy’s third  in the current year,.

I’ll come back to this, but 1st a little background.  After my failed attempt to win the Miramar seat for Labour in 1972, I located myself unemployed and seemingly unemployable. Newly elected Prime Minister Norman Kirk, a collector of grievances,  had no interest in assisting his former candidate and the outlook appeared bleak.

To the rescue came the Public Support Association, a haven for failed Labour Get together candidates, under the enlightened leadership of then General Secretary Dan Prolonged.  I was offered a task as a PSA ‘advisory officer’. My principal process in the course of that period was to create a paper on private health-related insurance.

I concluded in this paper that personal medical insurance coverage was a social evil given that it designed a 2-tier program in which the rich could afford the really ideal in healthcare solutions and remedy, whilst the bad queued with their begging bowls for the reluctant largesse of the public health program. Stripped of the hyperbole, I nonetheless think that is more or much less still the case. If you can afford private health care insurance, you won’t  wait as long to be taken care of and you will suffer in substantially more comfort than you would in the public technique.

Naturally, when I’d accumulated a bob or 2, I signed up to Southern Cross, a ‘not for profit’ supplier of health care insurance coverage.

Somewhere in the dark distant past of my PSA job demonising private healthcare insurance coverage, I keep in mind coming across this sentence: ‘Private health-related insurance coverage is the umbrella you can only open when it is not raining.’ I think that is not only classy but real.

Personal health care insurance is no more generous or humane or socially accountable  than any other type of insurance. Basically when you want them most, when, metaphorically speaking, it is not just raining but pissing down,  they need to have and want you least. They express their disinterest by massively increasing your premiums. The rot sets in when you hit 65.

So Judy has oesophageal cancer. Totally central to her diagnosis and treatment method is the PET scan. The PET scan is the most reliable way of  telling you regardless of whether you’ve beaten the cancer, whether it is even now there but limited to its original site, or whether, in the worst scenario, it has spread to other parts of the physique, metastasised. You can only describe this as ‘vital information’.

In the existing claim yr Judy has had 3 PET scans. Every single PET scan costs approximately $ 2,5000. Southern Cross paid for the first and contributed a generous $ 95 to the second. The policyholders, Judy and Brian, forked out the rest.

Judy’s third PET scan was approximately a week ago. Its purpose was primarily to tell her regardless of whether the cancer has been bea8. I presently knew Southern Cross wouldn’t be footing the bill. I’d taken an earlier call from one of their reps. He’d got saccharine sympathy down to a T. But the message was clear: One PET scan only per claim year. We will not be paying out the bill for this one particular or any far more this 12 months. The policyholders, Judy and Brian, will.

The reality of the matter is that Judy is almost certainly going to need to have PET scans each 3 to 6 months to keep track of the battle that is going on among her therapy and the cancer. But regardless of the honey-tongued apologies of their call-centre operator, Southern Cross genuinely does not give a things. It’s all about the funds.

Now I’m not known for my gentle disposition when I’m pissed off, so you will recognize it when I say, I feel these folks are ratbags. (Judy will want me to consider this sentence out, but I’m not going to.)

And worse, they’re idiots. PET scans could save them income by identifying metastasis at an early stage when it can be most effortlessly handled. Expense: $ 2,500 per scan. That would appear to me more financial than spending 100 grand or much more on late-stage surgical treatment or other treatment method.

Nicely, I can go through your mind, or at least some of your minds: This bastard should consider himself fortunate that he can afford personal healthcare insurance coverage. And you are probably correct. In a 1st planet country like New Zealand, high quality healthcare treatment ought to be immediately accessible to every citizen regardless of revenue or assets. But we aren’t there but and I’m buggered if my wife is going to get anything at all less than the very best. I considered Southern Cross would offer that. They really don’;t.

As I identified all people years ago, personal health-related insurance is the  umbrella you can only open when it isn’t raining – or not pouring down at least.

PET scans, Personal Health care Insurance coverage, Southern Cross

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