As you can see from the photograph… no wonder your head sometimes feels like it’s going to explode when your nose is all stuffed up!  A snuffed up nose is really miserable for little kids when they are too young to blow their own nose.  The Medical Insurance term for a stuffy nose is nasal congestion in case you were wondering.  Nasal congestion most commonly is the result of inflammation and swelling of the lining tissues of the nasal passages and sinuses.

How can Medical Insurance help with this problem?  I have personally experienced that help just once in my lifetime and that was way more than enough.  My nasal congestion led to a sinus infection.  That led to a trip to the doctor’s office.  That led to the doctor taking a cotton swab that was about 7 feet long and (without warning, I might add) sticking that cotton swab right up my nose, through my brain and out the top of my head.  Just kidding.  But, man, did it hurt.  I refused to let him do the other nostril. Whatever was on the swab was sent to a lab.  The results from the lab said I had an infection.  Duh?

If I had had BlueCross/BlueShield of Florida Medical Insurance at the time here’s how the charges would have gone.  My doctor’s office visit cont racted rate with the Medical Insurance carrier is $85.  I have a cost sharing office visit plan.  My Medical Insurance plan will pay up to $50 for an office visit and I will pay the difference of $35.   BCBSFL Medical Insurance offers free labs so the culture on the swab cost me $0.  An antibiotic was prescribed and was a generic so with my Medical Insurance plan that was only $15.  The whole deal cost me $50.  Without Medical Insurance I would have paid about $110 for the office visit, probably at least $75 for the lab work and let’s say about $50 for the antibiotics.  Pretty sweet deal.

Here are some suggestions from Heatlhfinder.gov on dealing with nasal congestion:

  • Take a decongestant or antihistamine to help alleviate stuffiness
  • Run a humidifier or vaporizer to make the air more humid
  • Use a saline nasal spray
  • Drink more fluids, such as chicken soup, broth or hot tea
  • Keep your head elevated when you sleep
  • Use a nasal strip that helps ease breathing by opening the nostrils

Medical insurance can be a very handy thing to have even for the small things.  Don’t forget that if you have an HSA Medical Insurance plan you will need your doctor to write a prescription for any over-the-counter medications in order to pay for them from your HSA Medical Insurance savings account.