The Boy has been coughing for about a week now. It has been a dry cough usually when he gets up in the morning. Nothing a few cough drops couldn't handle.
This morning though? His cough sounded seven kinds of juicy.
That means we get to test our (CUE OMINOUS MUSIC) health insurance company (rhymes with Banana.)
When we signed up last year, we chose the policy with the ungodly high deductible so we would be able to afford the premiums. We can pretty much handle an occasional office visit (we don't get sick much, knock wood and all that), but we wanted something in case we had to go to the hospital. And we wanted prescription coverage (I'm looking at you, High Blood Pressure! You too, Migraines!) One bonus to this premium is that we get six visits per year where we just have to pay a co-pay before we start doing the deductible.
Fast forward to one year, one office visit (not in network, dangit) and a few prescriptions later. We get the letter in the mail for the policy renewal. Surprise, surprise. The premiums had gone up $80 (EIGHTY DOLLARS!!!) a month. Bastards.
The Commander called and got himself taken off of the policy since he can go to the VA clinic. It nearly halved the premium.
So today, I took The Boy to a Banana network clinic in the town 20 some-odd miles away. (What's that, you say? Why didn't I take him to the clinic here in town. 'Scuse me while I laugh in your face.)
The Boy saw a physician's assistant and was diagnosed with Tonsillitis. I pay the co-pay, go to the pharmacy, gather the prescriptions and head home. Easy peasy lemon squeezy.
Ring-a-ling. Hi, this is the clinic, we don't do Banana. But we will give you a 15% discount making the total NINETY-SOME-ODD DOLLARS.
I sign on to MyBanana online and sure enough, there is the doctors' names listed as providers.
I call Banana and explain what we have been told. She tells me that as long as they file under a doctor's name (not a PA's [there are a lot of those here]), they will pay for it.
I call the clinic back and the lady was GONE FOR THE DAY. Of COURSE she was. I passed along the information and hopefully it will be covered.
I think I may need some of the "with codeine" that came in the pharmacy bag. (Kidding! Against the law. Never do that!)