Showing posts with label health insurance. Show all posts
Showing posts with label health insurance. Show all posts

Thursday, 14 August 2008

Pain in the neck

About six months ago I dropped a TV on my head.

I realise that this sounds a little unlikely, so let me explain. I have a very big TV which a friend gave me, and which sits on a stand on wheels. To move this TV backwards, I got onto all fours and pushed the stand. In doing so, the TV toppled and fell on my head, neck and back. This resulted in me letting out, not a loud expletive, but rather, a whimper as I crumpled to the floor. I visited our small local hospital, which said that I needed an x-ray and should go to my doctor. I went to my doctor who said that they don’t like doing x-rays on necks; I should take some pain killers and see how it got on. I was in so much pain that I was off work for a few weeks. I then went back to the doctor who said "yes, it would still hurt. Give it time and it would be fine." That was, as I say, six months ago.

My neck still hurts. Rather a lot, really. A constant pain which results in me taking pain killers most days. Feeling that six months is long enough to wait, I booked up another appointment with the doctor, and was whinging at my long-suffering wife about the incompetence of the original doctors for not having X-rayed me, and that if it was broken and has fused wrongly now there will be nothing we can do about it. My wife replied, “that’s what’s compensation is for – if it was damaged and they didn’t pick up on it you would get compensation and you could get it fixed privately.”

I am not a fan of the compensation culture at all. However, when confronted with the possibility of money, it got me thinking. If I suddenly had a compensation pay out (and, no, I won't get one as I wouldn’t pursue it and am not a fan of such things) would I spend it on an operation or getting myself out of debt so I can be a vicar? For me, its no contest. I would happily live with the pain. Okay, okay, I know that’s not the choice I have in front of me, but in going through that bit of mental/physical arithmetic, the pain in my neck doesn’t seem like such a big deal after all – I have far better things to panic about.

So I arrived at the Doctors last night to be told they still don’t think an x-ray is needed and that what I need to do is to see a physiotherapist. There is, however, a very long waiting list. This is one of the things we have come to accept with the NHS, and we don’t tend to worry about a bit of a wait. The reason that on *this* occasion it is so frustrating, is that my company provides health insurance. The health insurance provides private cover for any treatment you need to wait more than 6 weeks for. "Well, brilliant", I hear you cry..."you just phone up the company insurance and its all sorted"... well, no. You see, while the health insurance is provided as a work benefit, the government looks at this and says, "right, we'd better charge you some tax on this", and so by having the company insurance you pay an extra £50 tax a year. In an attempt to sort out the finance last month, I went through everything we spend with a fine tooth comb, and cancelled my health insurance so that I would save that £50.

Grrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrrr.

Yours, very probably (but with out X-rays we can’t be sure)

The Broken Man