i bought international health insurance before i came to chile. super cheap, super restrictive (no family planning, no checkups, no birth control, limited reimbursement, no dental option, no vision coverage, no coverage for sports, activities, etc.- pretty much just if i get hit by a bus). when i got sick a couple of weeks ago, i ended up needing to see a doctor for a prescription, at the very least. so, after fooling around for too long via internet to try and get pre-approval so i could use my insurance at all, i became a little frustrated... it was like i was back in the US after almost 6 months. i swear they try to make it as hard as possible so you'll eventually give up and stop asking for what you're owed. though i am glad and lucky as hell, after hearing how horrible actual
coverage can be in the US, that my previous insurance company covered,
relatively easily, my $25,000 appendicitis adventure.
so, i had to decide, hospital or cliníca... hospitals are mostly public, very crowded and not advisable for serious ailments. lucky for me, i was pretty sure i had a sinus infection. i decided to go to a cliníca anyway. wow! 55 US dollars buys you a stress-free visit with a specialist! no sidemen, no frantic medical professionals. he takes a couple minutes to introduce himself (and i quickly realize he was the guy in the elevator who zipped up my bag telling me i needed to be careful because someone might steal from me) and then after a brief physical examination he confirms that i have a sinus infection. he was throwing out the random english words he knows; you know, what a doctor might know, body parts and stuff. he goes to write me a prescription for an antibiotic. unaccustomed to not being asked twenty times about what i'm allergic to, i offered, "tengo alergías"... and after i tell him amoxycilin and ceclor, he puts his hands on his face and says "oh no!" he was writing me a script for ceclor.. which would have been bad, very bad. so after a brief discussion about how the US is coming up with new drugs all the time (so the thieving, filthy rich drug companies can make money off their limited 5 year patents) and chile doesn't have the new drugs the US does, the doctor asks me what antibiotic he should prescribe. i start to get nervous, feeling like i might fail in the mission he has bestowed on me.
the extent of financial paperwork for a medical apt. in chile...receipt from the cliníca- you should have seen how they spelled my name before i corrected them.
something like "coitalin szoutoonm."he asks me how i would best be able to figure this out. my thought was... talk to the medical professionals in my life (mom, nancy, leslie, liders). of course no one was available. so calling them wasn't going to work. i could look on facebook? look on gchat? was he really going to let me use his computer? crazy, i thought. he sees me getting nervous and anxious to resolve this quickly because surely he must have to be moving onto a new patient within the next 5 minutes. problem solved, time to move on kind of thing. he tells me to relax and then i tell him i'm used to the united states' way and he smiles warmly. he understands; he confirms in a sort of way that he knows exactly how the US medical establishment works.... which is not well.
so anyway, i'm on this doctor's computer googling what i could. i ended up with zithromax which is called "trex" here. he's satisfied but doesn't feel it wouldn't have done quite the job of amoxycilin or ceclor... he writes me a prescription and also adds the nasal spray and decongestant on there. when i ask him what i could expect a antibiotic to cost without insurance, he asked me how much money i had. i explained i had 40 USD for everything. at this point he says that i need to start the antibiotic today so i should give that priority but that additionally i should stop by his office across town and he would just give me the rest, for free! so i thanked him. told him what a great experience it was for me.
as i am moving toward the exit, i hear someone trying to get my attention from behind me. the doctor was running towards me with 2 bags of medicine and nasal spray. he explained he just found them in his office. he didn't know he had them. he GAVE me two days worth of antibiotic leaving me only to have to buy one box from the pharmacy.
office visit: 55 bucks (includes free follow-up)
antibiotics: 20 bucks
accompanying medicines: free
hassle-free/uninterrupted/private and leisurely appointment with a specialist: well i don't have to say it, you know...