My health insurance may have saved my life

I am a healthy woman in my late 30s who rarely sees a doctor outside of regularly scheduled checkups. I have had two uncomplicated pregnancies followed by easy, midwife-assisted births.

Most years we pay far more in premiums for our family's health insurance than our medical care would cost if we paid for everything out of pocket.

Not this year. Yesterday I returned home after spending seven days and six nights in the hospital. It might have been a lot worse if I were uninsured.

We've had one illness after another go through our house this winter. My husband has battled sinusitis, bronchitis, and walking pneumonia, while my sons and I all came down with strep throat, along with various other minor colds.

On Friday, February 15, I felt my left ear close up in the mid-afternoon. I soon realized that I was getting an ear infection, the first I'd had in approximately 30 years. I asked my husband to pick up some homeopathic ear drops (oil infused with garlic and other herbs) after he came home from work, and I got out the ibuprofen.

We try to avoid using antibiotics in our family, and the medical community has swung away from automatically recommending antibiotics for ear infections, because so many resolve within a couple of days on their own. The idea now is to use other methods to reduce the pain while waiting for your body to fight the infection.

By Friday evening I was miserable. The ear drops and ibuprofen did nothing to reduce the pain. Sitting upright was no more comfortable than lying down. I had no idea how I was going to make it through the night, but in the early hours of Saturday morning my eardrum ruptured. That released the pressure from the fluid building up in my ears and brought the pain level way down.

Saturday I called someone I know whose husband is a retired ear, nose and throat doctor. Her husband confirmed that many ear infections are viral, and it was prudent for me to wait it out. I used ibuprofen to control my fever and used tissues to wick out the fluid that was seeping out of my ear.

Sunday morning I noticed a slightly sore spot just below my right knee, on the outside part of my leg (around the top of the outer shin bone). I thought I slept funny, perhaps because of the ear infection. I also had a sore spot in my upper left arm, which I figured was from getting whacked by my two-year-old.

By Sunday afternoon I no longer had full mobility in my right knee. I take Pilates twice a week, so I called my teacher. I told him I couldn't think of how I would have injured my knee, since all I'd been doing was lying around getting over an ear infection. He said it was possible to strain a tendon by sleeping in an awkward position, and we'd need to keep an eye on it.

Sunday evening I started limping heavily, and Monday morning I could hardly put any weight on my right leg at all. I briefly considered toughing it out, but decided to make an appointment with our regular doctor, an internist. He was fully booked, but I got in with a nurse practitioner who called in my doctor when she saw my knee.

At that point it was painful and swollen, but not red or hot.

A blood test revealed a high white cell count, and my ear was still draining fluid, so they prescribed an antibiotic for my ear infection. I got the prescription filled right away and started taking the oral antibiotics around noon on Monday.

The big concern was that I might have a blood clot developing. The doctor and nurse were skeptical, given the location of the swelling. On the other hand, I had been lying around all weekend. Other possibilities included tendonitis, which didn't seem to fit, or some kind of inflammatory auto-immune reaction related to my ear infection.

Because I have health insurance, I spent all of Monday afternoon getting these possibilities checked out. First, to the imaging department for x-rays of my leg in various positions. Then, off to the vascular center, where a nurse used a doppler (ultrasound) to check for blood clots in my legs. Then, to a different imaging center where I had x-rays standing up and an MRI of my right knee.

Without insurance, these diagnostics would have been prohibitively expensive. I would likely have stayed home, hoping my leg got less sore soon.

I went home Monday with no answers and an appointment to see an orthopedic doctor first thing Tuesday morning to get his interpretation of the MRI.

Monday night was miserable for me. I was told to take a double dose of ibuprofen to help with inflammation, but even so my leg was killing me. I still had a low-grade fever, which shot up whenever the ibuprofen was wearing off. My right calf started to get red and hot.

That was when I should have gone to the hospital, but I didn't realize it at the time.

Tuesday morning my neighbor drove me to my 8:45 appointment with the orthopod. By this time I was sure the swelling in my leg was an infection. The sore spot in my arm was getting worse too, and I couldn't see any bruise there, even though I bruise easily if I've been bumped.

It was 10:15 before the doctor came in to look at my leg. A huge area around, above and below my knee was swollen, red and hot. He immediately said I would need to go to the hospital for intravenous antibiotics, and excused himself to go call my doctor. I remember thinking it was a bad sign that he left the room instead of calling my doctor right in front of me.

My neighbors were tied up, and it took a while for my husband to get our kids in the car and out to the suburban office to pick me up. He then took me downtown to my internist's office, where I waited for a while until the hospital room was ready. Then I waited a while longer until they got an IV going. The infectious disease doctor put me on three heavy-duty IV antibiotics while we waited for the results from culturing my blood and the fluid seeping out of my ear.

Meanwhile, she ordered more x-rays and a CT-scan of my leg.

Late Tuesday afternoon, I got the diagnosis: cellulitis, a bacterial infection in the soft tissues of my lower leg. She thought the sore spot in my arm was probably part of the same process, but less advanced. The good news was that the CT-scan didn't reveal any abcesses that would have required surgical draining or any air pocket suggestive of necrotizing fasciitis (flesh-eating bacteria).

Normally cellulitis would start from a cut or open wound in my leg, but in my case the skin was unbroken, so the assumption was that the bacteria infecting my ear had entered my bloodstream (a septic infection) and somehow taken root in my leg.

Thursday the infectious disease doctor told me that they had cultured strep A from my ear. They couldn't grow anything in my blood, probably because those oral antibiotics I started taking on Monday stopped the strep from further multiplying in my bloodstream. I am very fortunate that  the bacteria did not take hold in any vital organs, which could have been life-threatening, or bones or joints, which could have been debilitating in the long-term. They switched my IV antibiotics to ones even better-suited to fighting strep A.

My white cell count came down a little bit every day. On Friday, three days after I was admitted to the hospital, my fever finally came down for most of the day. The excruciating pain in my leg started to improve on Saturday and Sunday, and I was able to slowly reduce my pain medication. On Monday, my seventh day in the hospital, the infectious disease doctor felt it was safe to send me home on oral antibiotics and ibuprofen for the remaining pain and inflammation.

I can't even imagine how costly my hospital stay will be. My husband and I pay through the nose for a family health insurance plan through Blue Cross and Blue Shield. We can afford this in part because we have no rent or mortgage payment (I inherited my family's home). We have a ten percent co-pay and are hoping that the insurance company doesn't try to deny coverage for any major costs associated with my strep infection.

Mostly we are relieved that I survived this infection without any lasting damage to joints or organs.

I asked various medical staff during the past week how my care might have been different if I'd been uninsured. The consensus was that an uninsured person who showed up at the emergency room with a leg looking like mine would have been admitted for the same kind of care. As one doctor said, "hospitals take it on the chin" quite often in caring for patients who lack insurance or any ability to pay. (I have no doubt that an uninsured patient would have been sent home sooner I was, though.)

The infectious disease doctor declined to speculate about how my blood infection might have developed if I hadn't made that doctor's appointment on Monday and started taking oral antibiotics. She agreed that it was very fortunate that only my leg and arm seemed to be affected by bacteria spreading from my middle ear.

Thanks to anyone who reads this long personal diary. I am more determined than ever before to fight for universal health care coverage in this country. My scary experience could have become a life-threatening emergency if I had hunkered down at home in an effort to avoid an expensive doctor's visit.



Display:


Re: My health insurance may have saved my life (2.00 / 4)

What a story, and another reason why we need UHC.


by benny06 on Tue Feb 26, 2008 at 10:26:05 AM EST

Yep, I'm just glad... (2.00 / 2)

That desmoinesdem is OK. And yes, this is a really moving personal story that needs to be told. We can't settle for anything less than real universal health care that makes quality care more affordable & accessible to everyone. I want to see it happen next year, and by golly it will if we all fight for it!


Want to defend marriage equality in Maine? Ask me how!
by atdleft on Tue Feb 26, 2008 at 10:28:46 AM EST
[ Parent ]

we will need to hold Democrats' feet to the fire (2.00 / 2)

We have good Democrats in Congress who are committed to UHC. We cannot let the leadership back out on this one.


Join the Iowa progressive community at Bleeding Heartland.
by desmoinesdem on Tue Feb 26, 2008 at 10:48:25 AM EST
[ Parent ]

Re: My health insurance may have saved my life (2.00 / 2)

Thanks for taking the time to write out your story.  I'm so glad that you are doing better, and absolutely agree with you.  We need UHC.


by mgee on Tue Feb 26, 2008 at 10:28:28 AM EST

glad you made it! (2.00 / 2)


"We did not come to fear the future. We came here to shape it." - President Obama, Sept 9, 2009
by bored now on Tue Feb 26, 2008 at 10:29:05 AM EST

Silent Epidemic (2.00 / 3)

Watch this video and see how poor children in Maryland need dentists for preventative care, but instead end up with terrible problems like diseased and rotten teeth.

As a result one boy died from an untreated tooth infection...just because his mother couldn't find a dentist who would take Medicaid.

http://www.youtube.com/watch?v=s7tGk2sZS Gg


by aiko on Tue Feb 26, 2008 at 10:31:38 AM EST

I remember that case (2.00 / 3)

and I have a friend on Medicaid who has struggled to find dental care for her kids in the Des Moines area.


Join the Iowa progressive community at Bleeding Heartland.
by desmoinesdem on Tue Feb 26, 2008 at 10:40:31 AM EST
[ Parent ]

A scary story (2.00 / 2)

showing at once the best and the worst of the American system.

The best: immediate access to an ultrasound and a Cat-scan.

The worst: access based on the ability to pay.

I am glad you are ok.


by fladem on Tue Feb 26, 2008 at 10:51:47 AM EST

absolutely, the best and the worst (2.00 / 1)

With my insurance, I was able to get the best diagnostics medical technology has to offer on the same day I called my doctor.

Scary to think of what would have been offered to me without my insurance.


Join the Iowa progressive community at Bleeding Heartland.
by desmoinesdem on Tue Feb 26, 2008 at 11:04:39 AM EST
[ Parent ]

Re: absolutely, the best and the worst (2.00 / 1)

Well, desmoinesdem, I am so glad you are better!  More and better Democrats so we can get to UHC.


by RunawayRose on Tue Feb 26, 2008 at 11:18:45 AM EST
[ Parent ]

Re: My health insurance may have saved my life (2.00 / 1)

Thanks for the story. Make sure to find out if it was MRSA or not, because that would require some additional attention in your home to protect your family.


by dmc2 on Tue Feb 26, 2008 at 11:48:23 AM EST

thanks for the tip (none / 0)

There was no sign of staph infection from any of the tests, and the IV antibiotics seemed to work well, so I didn't have MRSA, thankfully. Just old-fashioned strep A.


Join the Iowa progressive community at Bleeding Heartland.
by desmoinesdem on Tue Feb 26, 2008 at 12:20:38 PM EST
[ Parent ]

Re: thanks for the tip (none / 0)

Good news!


by dmc2 on Tue Feb 26, 2008 at 12:27:26 PM EST
[ Parent ]

Re: My health insurance may have saved my life (none / 0)

Best wishes to you for a full and speedy recovery of your health and to your family. You've been missed around here.


by desmoulins on Wed Feb 27, 2008 at 12:29:43 PM EST

Re: My health insurance may have saved my life (none / 0)

Glad to hear you're doing better. It is no fun when you have a mystery illness and they have to get those infectious disease doctors involved.

Look forward to an onslaught of paperwork from all those doctors, providers, labs, and your insurers. If your experience is anything like mine, Blue Cross will promptly pay the bills they receive that are correct, but it could take a while before they get all the correct information from your myriad of providers.

Don't pay any bills simply because a provider says they want money from you. Only pay them after Blue Cross has sent you an Explanation of Benefits (EOB) that says how much you owe. If Blue Cross sends you letters saying they are refusing coverage for a service because they have not received information from providers, contact the providers and tell them to respond to Blue Cross' request. If they're a "Preferred Provider" and they don't submit the paperwork to Blue Cross, they cannot ask you for the money.


by LakersFan on Wed Feb 27, 2008 at 01:19:26 PM EST

Re: My health insurance may have saved my life (none / 0)

That's scary, and I'm very glad to hear that you are alright.

That said, while I can fully understand a conservative approach to antibiotics, a burst eardrum is NOT normal. As someone who's had a lot of ear/nose/sinus problems over the years, I'm boggled that a retired doctor (especially an ENT!) would tell you to wait it out.  

That's not an ER situation, but it's something that would have had me calling around to find an urgent care on Saturday morning.

I hope your insurance isn't too much of a pain in the ass about it; the fact that it's even a risk (or that you're stuck with a 10% copay for possibly-lifesaving care at the hospital) is a great example of why we need fundamental reforms in this country.


by nkedel on Wed Feb 27, 2008 at 01:22:43 PM EST


You are not logged in.

In order to post a comment, you must be logged in. If you have a member account, please log in to comment.

If not, you can make an account right here. It's quick and free.