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Vicious!! Health insurance in Holland…

20 Nov

Apart from some gloriously good news I’ll post about later (too little time!) and a pending Liebster award post (how do I get the thing to go in the side of my blog?)… I got a rather nasty letter from my health insurance.

And I am vicious. Because, essentially, it comes down to this: the ONLY drug that helps me is being made inavailable to me because of some CRAP idea that I WANT all of this. This is a society that does not accept people who are different. This is a society in which, like in the US, there has been negative propaganda against ADHD, obviously not backed by anyone who actually HAS ADHD.

It took me a few hours of time I could have spent doing something actually constructive, to find a health insurance that will cover Concerta, albeit with just too much hassle and Orange Tape. Before anyone talks about the US to me: when talking to a few of my American friends complaining, it turned out that my health insurance AND deductible were higher than theirs. I’m paying 140 euros something for it every month. My contraceptive pill isn’t covered.

Then, the Dutch government decided to make a deductible of 350 euros mandatory by law for everyone with health insurance, given that health insurance itself is mandatory, this means everybody has to pay the 350 euros IF they need health care. Now, a deductible (Direct translation from Dutch: ‘own risk) is something you’d agree to if there actually was a chance you’d not have to pay it. A deductible is fine on car insurance, because you intend to not crash it. A health insurance deductible is reasonable in an otherwise healthy individual who actually has 360 euros to spare. If you’re chronically ‘ill’, or simply don’t have an extra 360 euro’s laying around somewhere…. that law-regulated deductible simply comes down to a fine for being sick. I paid my ‘sickness fine’ alreaddy, so now I can start saving up for the 360 fine I’ll get in 2014 because I still haven’t managed to go back and be born without ADHD.

Now, in my last calculation, given my massive decrease in income and my massive increase in health care expenses since I rented this place last year… it comes down to this: I won’t be able to afford my home due to health care costs.

So, I already was chronically pissed at the Dutch health system. I am pissed when I see patients struggle, people not accepting the care they’re offered because they don’t have an extra 350 euro’s. I am pissed when I see the minister of Health, mrs Schippers, ‘having an opinion’. Some of these opinions include ‘Light conditions such as ADHD, pneumonia, simple urinary tract infections and poor hearing shouldn’t be covered by insurance at all’. Light? Excuse me? I’ve actaully written ‘pneumonia’ on death certificates! And a simple calculation showed that treating my ADHD would have been A LOT cheaper than treating the shit that followed from not treating ADHD. Also, my Concerta actually leads to massive savings for society in the long run: it’s cheaper than having me on disabilities. A LOT cheaper. I’m using myself as an example here, I can think of a shitload of scenarios in which financial unavailability of health care cost a lot more than the actual health care… but that’s in some other minister’s file I suppose. Or even in her own file: treating something early or preventing it altogether usually is cheaper than treating the complex serious illness later on. Or maybe that’s just my simple doctor-logic.

Today I am vicious because I ran into my new Health Insurance contract again. Because too many people needed it, they decided to cover less of the medication not covered by the ‘basic’ insurance. Our Health Insurance Institute thing (College voor Zorgverzekeringen) decided some medication is simply ‘luxury’, one of them is Concerta. I might as well add, as far as we know ALL health insurance companies have made profit over 2013. Of course, being able to avoid rebound 4 times a day, with rebound setting in within a 15 minutes, is a complete luxury if you’re working in an unpredictable field where rebound may lead to serious mistakes. Also, the lower risk of abuse, the improved emotional stability (reboud is a rollercoaster), the increased compliance… all luxury.

Right. So, now they only cover it up to 500 euro’s a year. Given my high dose of Concerta, that’s about 3 month’s worth. And regardless…..  That’s around 40 euro’s a month that IS covered, (and you still need to pay the deductable). For 40 euro’s a month, I wouldn’t need an insurance to cover that. Basically, they’re not covering the drug I need.

Had I been treated with Concerta as a teen (and ADHD coaching), chances are I would have skipped the comorbidities… And in the past 10 years that would have been cheaper, net.

They don’t fucking want to cover it.

Because this society is full of bullshit.

Now, for 2014, I get to do it all again.

 

Oh, what do you know? The additional insurance does fully cover it if I were to try and treat my ADHD with anthroposophic medicine or with homeopathy!! Or acupuncture. (SCREAM!)

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Posted by on November 20, 2013 in ADHD, Health, Money, Rant, Work

 

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