Don’t forget INR check on Wed

I have to set myself an alarm to remember I have an INR check appointment at 8.50 on Wednesday.  I’m on my last study day then and I’d completely forgotten about it.  It’s only because I’m low on blues that I remembered to check when it was.

Which reminds me to mention something that wasn’t immediately obvious to me when I needed to know it.

Insurance companies ask questions like ‘how long were you in hospital?’ and ‘how long between your current INR checks’.  They ask as a way to work out how they are going assess your risk of costing them money.  This is where how cautious you are, or otherwise, has a price attached to it.

I asked to go home from hospital about a week earlier that most people, apparently. (It wasn’t actually my idea, it was a misunderstanding by the doctor about a message from a physio, and I decided  to roll with it, but that’s another story!!). Long term this worked in my favour.  Not only was it the right thing for me personally at the time but it helped massively when it came to questions for travel insurance – “just a week? oh ok…”  But when it came to my INR checks I was more cautious.

My INR was never really all that stable.  At first it was probably because I just needed a higher dose than most people (I’m averaging 9mg a day).  After that I don’t know why. But that was the one that was worth watching so, even though some computer programme at the surgery said I didn’t need to go back for 14 days or 28 days, it was overriden and I’d go back in 3 days, or a week, or  a fortnight or whatever.  But then I got the insurance question and decided if they can live with once a month then that’s what I’d do.  So I asked and they said ok.  I mean, we already know it bounces around and the dose of drugs doesn’t always make that much difference to the outcome, so long as we’re averaging 9mg that’s probably not going to make much difference anyway, right?!

So Wednesday will be the first time I’ve seen Jenny in 28 days.  And my insurance company will chill.  But what strikes me as funny are the things you don’t know you need to consider until after you’ve done them.  One constantly has to remember to do the personal risk assessments – what does it cost me in risk, what does it cost me in inconvenience, what does it cost me in money.

Still.  The travel insurance has been got.  We only have to think about what to do when the health insurance – which I have but didn’t use – comes up for renewal in May.

Any thoughts?!

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4 comments

  1. Jayne says:

    A question rather than a thought … Why have have health insurance?

    Hasn’t your recent experience demonstrated that for something serious the NHS provides a very good service (despite it’s occasional frustrations)!

    • CN says:

      well at the very moment i was discharged from hospital the options were (a) move on the geriatric ward – no i’m not kidding or (b) shift into the private system which would have got me moved an hour north or (c) go home. I went home. If I hadn’t I would have gone private.

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