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
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
Labels:
broken,
compensation,
debt,
doctor,
finance,
health insurance,
neck,
ordination,
pain,
pain in the neck,
physiotherapy,
private,
TV,
vicar,
x-ray
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