Archive for: April, 2011

CASH Healthcare

Apr 14 2011 Published by under American Consumer, Changing scene, unbelievable

Recently I need to get a cholesterol check. I was faced with going to our regular doctor and paying the yearly deductible and the co-pay of for the initial office visit, the lab test, then a follow-up Dr. visit to discuss the results,  get the new prescription, then getting the prescription filled.

Now the insurance i have is not the best but it is better then most and pays pretty good. Still I would be out of pocket several hundred dollars just to get my cholesterol medication refilled.

Instead there is the dark secret world of cash health care. Thats right cash, no insurance co-pays, not insurance forms, and no deductible. just cash. Over the years I have tried several  prescription  medications for cholesterol management. I ended up on Loped and Niacin. Well Niacin is over the counter and even the time release Niacin id OTC.  The loped is on marginal in reducing cholesterol.

So how do I manage this on my own with out spending tons of money on Dr. visits and prescriptions ever year.  First this to get a cholesterol test. The blood test to determine where my LDL and HDL values are. I already have copies form previous test that were ordered by my doctor, several years of test.

So we start calling around to get a cholesterol test, most places assume/require insurance and a Dr. prescription. Some lab want $200, $250 for a cholesterol panel.  But if you dig enough there are labs that do not require a prescription and will do the cholesterol panel for a little as $42 dollars. That is way less then going the insurance way.

But when they set up your lab test draw, they warn you to only show the lab the work order that was e-mail to you.  Using any other paper work may result in additional fees to be added to your bill. strange but true so to get your $42 dollar test follow the instructions.

Once I have a base line I will continue to take the time release Niacin and supplement  with plant sterols. Plant sterols are supposed to be natures way of dealing with lowering cholesterol. This way I’m not dealing with the side effect of using a statin.

So in the end I will be paying cash, saving money and lowering my cholesterol naturally.

So the bigger question is how big is the CASH healthcare movement ?  and why is the CASH plan so much less expensive?

6 responses so far

Small City BIG Salaries

Below is a list of salaries for the small bed room community of  Upland.  Upland has a population of approximatively 77,000 people with an median household income in 2009: $65,330.  This is a small city is it only 15 square miles. So the city manager makes seven times the median income of the city. even the lowest paid position,  Fire Battalion Chief makes more the twice the the cities median income.

 

Position…Salary / Compensation (salary+benefits)

City Manager…$368,529 / $460,625

Police Chief…$229,724 / $306,621

Fire Chief…$170,698 / $242,390

Public Works Director…$177,030 / $236,004

City Clerk…$175,606 / $231,230

Finance Director…$168,659 / $225,418

Police Captain…$160,940 / $221,201

Community Development Director…$165,422 / $219,618

Police Captain…$160,940 / $219,175

Police Captain…$159,566 / $216,217

Assistant City Manager…$159,569 / $214,418

Human Resources Director…$159,230 / $214,132

Fire Division Chief…$149,066 / $211,156

Fire Battalion Chief…$149,363 / $207,787

Library Director…$150,269 / $202,742

Fire Battalion Chief…$143,830 / $201,274

SOURCE: City of Upland

 

Something is wrong when city salaries have ballooned to this magnitude. How can the city staff pay themselves these outrageous salaries. Why do normal human beings think this it is OK to take this kind of money.

It is because they think it is their money. After all if we need more money we will just TAX the population more. It is an endless supply of money.  Well it is NOT just an endless supply of money. We all work hard for our money to provide a good quality of life to our love ones.  So the public sector needs to get real and come back to reality and stop these huge exorbitant salaries. Instead of cutting programs and services cut your dam salary back to a normal salary.

Keep your hand out of my pocket.

 

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