ORIGINALLY PUBLISHED BY THE SOMERS RECORD (11-15-25)
I'm going to be retiring at the end of this year, and I'll be moving off my company's health care plan and onto Medicare. I've been reading up on things, and as a public service, I'm going to review the different elements of Medicare with you, so you can simply concentrate on getting injured. Part A is for hospital coverage, what you'll use if I back into you with my car, because I can't get the hang of using the back-up camera. Objects in my mirror are closer than they appear, and yet objects in my rearview camera are farther than they appear. So it's not my fault that nothing is as it appears. Luckily, all your tests at the hospital come out okay, except for math.
Part B covers doctor visits, medical equipment and preventative checkups, the physical therapy for your foot, which I ran over when I put the car in drive after I backed into you. Part D is for drugs, in case my explanation starts to give you a headache. Part C, or "Medicare Advantage," may cover many things the other parts don't, such as vision, dental and hearing. If there is a hearing after our accident, you'll be able to hear it.
My wife thinks my own hearing is shot, because she says she asked me to take some crap up to the attic, and I never did it. "I probably just didn't hear you," I postulated. She said, "I asked you in a text." I told her she's just projecting her own desires onto me by telling me I can't hear, because she secretly wishes that my constant chatter might bypass her ears and go straight into outer space, where the audio waves could be picked up by inhabitants of distant planets wondering whether they should visit Earth, and it would help justify their decision not to.
The last thing I would want to do is visit an ear, nose and throat specialist who is straight out of medical school and inexperienced. The only thing ears, noses and throats have in common is that they are all holes in my face. It would be easy for a new doctor to make a mistake. "Okay, I'm going to put this tongue depressor all the way in, and when I give the word, you say 'Ah.' Okay, NOW." "Doctor, you put the tongue depressor in my NOSE."
When I go for the hearing test, there is a four-page form that I must sign. It describes all the things that will probably happen to me during this procedure, including dismemberment, death, and the deaths of those in my immediate family. If that doesn't do the trick, there will be torture. At the end of the form is a little check box and a place for my signature, and a sentence that says, "YES. In fact, I'm surprised I didn't think of it myself."
If they offered a "rewards card" for my healthcare group, I would sign up for it immediately, because I'd be eligible for quantity discounts. Every time I run from the baseline to the service line on the tennis court- and it's more like a waddle than a run- the cartilage in one joint or another fails, a ligament snaps, a tendon tears, sometimes all at the same time. There appears to be no cartilage left in any part of my body except for my brain, where there are no moving parts.
If you're shopping for part C supplemental insurance, it's easy to figure out the best plan: the higher your deductible, the lower your premiums. The fewer covered services, the higher the co-payments. The more in- network doctors, the lower the maximum benefit. If you'd like all of these things at once, your physical health will be far better than your financial health.
I went to the orthopedist for my wrist, which has so much arthritis that he likened it to the Colorado River carving out the Grand Canyon. He said there was nothing much he could do about it. I said, I know, it's been there for thousands of years. But what about my wrist? He said, there is a surgical fix, in which he removes two bones, which he pointed out to me on the X-ray. They were about an inch long, and when I asked him what he was planning to put in there instead, he said nothing. Nothing? Can you at least put a piece of Lego, or some rubber bands in there to take up the space? Can't you graft a ligament from my butt and screw it in there? We've become spoiled by the advances in medical science.
The majority of healthcare providers honor Medicare, but if your Part C plan supersedes Medicare's, you may have to poll your physicians to find out if they are included. I asked my doctor if he was in my network, and he was, but apparently the doctors got together and kicked ME out of the network. There are a lot more doctors from faraway places now. I was referred to a Dr. Ngflstrnqlzian, and when I asked how that was pronounced, I was told just how it's spelled. Emigrating to the United States to escape the tyranny of a regime that outlawed the use of vowels in the year 1043, his expertise will now flourish.
I hope this has helped you make informed decisions regarding your medical care. Remember to activate your plan during "Open Enrollment." If you do so during closed enrollment, it's considered breaking and entering, and you'll have to co-pay a fine.
