One of the great joys of my profession is the fact that while other healthcare professionals may have a little sign in front of the receptionist saying that payment is expected at the time services are rendered, few have the ability to file and adjudicate your health insurance claim on the spot, instantly determining your eligibility and financial liability. Customers appreciate this, and it never fails to lead to many a lively discussion during the workday regarding the scope and amount of their coverage.
What I just said in that last sentence is that customers bitch about their insurance coverage. A lot. Many times at high volume.
The conversations are usually very predictable, and over the general din of pharmacy sounds this afternoon I hear one going on in the background, It's kind of like the pharmacy equivalent to crickets chirping outside a country cabin late in a summer's evening, just part of the expected background noise:
"Sir your insurance company says your coverage has expired."
"WHAT?!!"
"Blue Cross says you're no longer covered. Do you have a new card?"
"No" The customer usually then will just stand there, expecting that that answer will still get them their meds at their usual co-pay. It must be explained again to them at this point that without a valid insurance card, they are liable for the entire cost of their prescription.
This is what today's customer said next, complete and unedited. I double checked with my keytstone tech to make sure I heard him correctly:
"There was a senior citizen behind me last time, would that have made any difference?"
I had no choice. I instantly stepped in and reinstated the man's insurance coverage. He had a senior citizen behind him last time. He had figured out the Da Vinci code of health care. What every insurance company employee and health care professional knows and is sworn never to tell. Senior Citizen behind you = full coverage. Having an old geezer stand behind every American was actually the cornerstone of presidential candidate John Edward's health care plan.
I still don't know exactly what point the customer was trying to make, and I haven't had any scotch in a week.
That streak will end tonight.