Friday’s Wandering Thought

Since retiring from the military in the 1990s, I’ve had health insurance through various Tricare programs, which replaced CHAMPUS. Most recently, my coverage was mandated to be Tricare for Life. It worked well. Of course, to continue using TFL, I was required to sign up for and start paying for Medicare once I became 65 years of age, which happened two years ago. This is a vein of the product called ‘Tricare for Life Medicare’.

I was recently hit with a bill for lab work done earlier this year. The lab bill was $300 and I had to pay $108 of that.

That surprised me. Investigating my benefits, I found that Medicare paid part. I thought TFL would cover the rest, but no; Tricare for Life Medicare doesn’t cover preventative lab work, only such work for life-threatening issues.

After a life of being pushed to be proactive and take preventative measures to find and treat health conditions in early stages, it seems like an odd turn of coverage. Makes me re-think what they were thinking when they called the program ‘Tricare for Life’.

Where’s The Year Gone?

A fellow blogger and I have wondered, where’s the year gone? I know, that’s not an unusual question in any year. Where’s the time gone, in general, is a diabolical puzzle. Just yesterday, I was twenty-two, something like that. I could eat what I wanted, now I wanted. Snorted doughnuts for mid-morning snacks. Partied until two AM, then went to work at seven. Ate three cheeseburgers at a sitting. Now I’m on Medicare.

A note on the Medicare. I wouldn’t have joined if not forced into it. I retired from the military. Had Tricare. Can’t elaborate on which Tricare. There are two thousand known variations of Tricare. Others are constantly being found by health professionals in computer systems. To stay on Tricare, once I ‘turned’* 65, as I did at the beginning of July, I had to join Medicare Parts A & B. Where I was paying nothing except co-pay a year ago, I was required to start paying $25 a month for my Tricare. Now I’m required to pay about $117 a month for Medicare Part B (A is free) to keep my Tricare. It’s a different form of Tricare, though. I’ll figure it out later.

Part of the year was spent on determining which Medicare parts I required. That included timing. You can’t just join Medicare at any time, you know. You have windows. You miss your window, you wait for the next window. For me, though, missing the window meant that I’d also lose my Tricare. That covers my wife, too. It’s becoming more necessary as we’ve moved toward being the oldest people on the planet. Other parts of the year were spent on questions about masking, COVID-19 vaccinations, variants, and shopping hours. But those were side ventures. Most of my time was spent wondering what I was going to eat.

In additional to a pantry and a refrigerator/freezer combo, we have a small garden. Tomatoes, squash, green peppers, kale, lettuce. It’s been a hard gardening year. Drought, you know. Hot sun, too. We covered plants up. They still weren’t happy with the heat, suggesting, let’s move to somewhere cooler, like hell.

We also have a chest freezer and additional food supplies in the guest room closet. It seems like I’m always wondering, what do we have to eat? What can I eat now? I can bore you to death with all the food we have on hand. I’m always thinking about more. It’s a joint decision that’s made. My wife and I have to agree on what to eat. That usually involves a discussion of what food is on hand. Then, if we don’t immediately have the answer (“Do we have any brown rice left?” “Go fish.”), one of us must leave our chairs and books or computers, go to the supply sources and determine if we have the needed ingredient.

After we decide, okay, we can make this, we discuss who will make what. “I made dinner last night.” “We had pizza. You got it from the pizza place.” “Still counts.”

A large part of the forces driving our discussion and my angst is that we just can’t go out and get what we want. One, restaurants have reduced hours or shut down. Two, which store will have what we need? How much do we trust them and their clientele to be COVID-19 safe? Is getting Ben & Jerry Ice Cream really worth the risk.

Yes, I say, masking up, and driving there.

What we want isn’t always in stores. If this pandemic has shown nothing else to me, it’s shown how completely dependent I am on our systems to provide me with food to buy. Whether it’s organic or processed, cooked in a restaurant or baked in a bakery, I want others doing it for me. This embarrasses part of me. That part says that I should be more self-reliant. More independent. I can fix computers but I can’t hunt meat. Or won’t.

The other part of me says shut up if you want me to go out and get a snack. Which I might do. Thinking about food has made me hungry, and there’s still a little bit of July to kill.

Where’s my mask?

*That expression of ‘turning’ an age always embellishes my brain with an image of me on a baking tray and someone using a giant spatula to flip me over.

The Medical Bill

My latest medical bill arrived. This was a follow-up to the doctor’s office. On that day, I was weighed and then peed in a cup connected to a computer to measure my flow and output. Then a nurse asked me some questions about how I was doing, before the doctor came in, read the reports, and made some follow-up actions. Including waiting — they were overbooked and I waited twenty minutes to see him — peeing, and talking, I was out of there in about forty minutes.

Before going further, I want to say that I’m amazed and grateful that my military retirement gives me health benefits. I can’t say that enough. That’s not what this is about. This is about a neophyte in the healthcare’s billing process.

The bill began as a total of $277.10. That’s not bad, I thought. Insurance covered $59.36. Cool. Then, total adjustments and discounts were $180.84. Of that, $4.10 was a discount given to me for the prompt payment of previous bills. The other $176.74 was an insurance adjustment. The total due for me to pay is $36.90.

I’m not complaining so much as stating my surprise and confusion. What in the world is that insurance adjustment that reduces the bill by sixty-three percent? Is it a volume thing between Tricare and Asante? Makes me wonder about the original bill and its legitimacy.

I don’t know. The discount wasn’t explained. I suppose I could do an Internet search, but, well, I’d rather just note it and press on, at least for today.

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