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	<title>Comments for less is more</title>
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	<link>http://limblogger.wordpress.com</link>
	<description>living with limb loss and limb difference</description>
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		<title>Comment on the cost conundrum by joseph murray</title>
		<link>http://limblogger.wordpress.com/2013/05/14/the-cost-conundrum/#comment-706</link>
		<dc:creator><![CDATA[joseph murray]]></dc:creator>
		<pubDate>Thu, 16 May 2013 03:54:47 +0000</pubDate>
		<guid isPermaLink="false">http://limblogger.wordpress.com/?p=2215#comment-706</guid>
		<description><![CDATA[I lost my lower limb to a flesh eating disease,I am new to this new way of life,I have had great difficulty in getting a comfortable fit. I Dont understand why so much emphasis is placed on athletes, the manufacturers seem to be happy to kit them out in the latest inventions for their own advertising purposes, all I need is a good fitting reliable prosthetic to allow me to get out and about. earn a living and still be a usefull citizen.What are my options. Joseph Murray]]></description>
		<content:encoded><![CDATA[<p>I lost my lower limb to a flesh eating disease,I am new to this new way of life,I have had great difficulty in getting a comfortable fit. I Dont understand why so much emphasis is placed on athletes, the manufacturers seem to be happy to kit them out in the latest inventions for their own advertising purposes, all I need is a good fitting reliable prosthetic to allow me to get out and about. earn a living and still be a usefull citizen.What are my options. Joseph Murray</p>
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		<title>Comment on the cost conundrum by swisswuff</title>
		<link>http://limblogger.wordpress.com/2013/05/14/the-cost-conundrum/#comment-703</link>
		<dc:creator><![CDATA[swisswuff]]></dc:creator>
		<pubDate>Tue, 14 May 2013 15:31:16 +0000</pubDate>
		<guid isPermaLink="false">http://limblogger.wordpress.com/?p=2215#comment-703</guid>
		<description><![CDATA[I am not sure this is all too revealing. It basically is what everyone says that sells prosthetic components if asked in public. 

One really relevant aspect is to demand as price what the market is willing to pay. Pricing typically is a market thing and as it is, what is wrong with saying it. More disturbingly though, why do I have to say it (and why is no prosthetic part manufacturer getting up to say it): if a prosthetic wonder hand only is regarded as superb, unique and really bionic (all bloated sales terms) if it costs 90000 USD plus, then it would be silly to offer it for 7000 USD. Simple as that. From where I am standing, a prosthetic hand such as the ones I use that cost significantly less than 1000 USD cannot be as good BECAUSE OF THAT in the eyes of many people - and as long as that is the case, we are commenting on prices that are made outside any rational range.We are dealing with emotional and market driven prices. 

A second relevant aspect is the personnel being employed. Quite frankly, the interaction I had with Otto Bock employees would (even as their supervisor) lead me to immediately sack them. What an entire waste of bandwidth these people were.  One does have to resort to rather extreme measures to enforce useful replies there, a consistent experience that others have. I think, better to have no marketing personnel than such. Even in a moderately agreeable mood I cannot understand at all why anyone would hire anyone that tells customers &quot;if the prosthetic has been construed wrongly we recommend you get physiotherapy&quot;. That these personnel cost add to the total price of any prosthetic component - sky clear to me. And yet, just ever so unnecessary from point of view of a user. So that bloats costs massively. 

A third important aspect is responsibility abandonement. It is extremely rare that individuals or end users directly buy off the manufacturer and if so (I do that quite often as Swiss consumer, as we have laws that make it hard for manufacturers to not sell to me) I actually so far had gotten fairly good prices. However, when regular sales channels are used, prices are extreme also &quot;because no one is responsible&quot; - and that fact is massively exploited by prosthetic component manufacturers just as it is exploited by the whole medical industry generally. Regularly, I would ask the prosthetist to apply for the prosthetic. The prosthetist (not me) types up that sheet (I never see it usually) and sends it to the (my!) insurance that then sends to away to another company that checks it for them. They, unknown to anyone, will then issue a recommendation that may be &quot;out there&quot; or not, and the money that is then being offered to pay does not seem to be anyone´s personal responsibility. The prosthetist will try to construct something slightly cheaper than what insurance pays so they can profit a bit, and I have no idea (normally) what it is they would have paid. Obviously I know the guys that check my insurance applications personally, they know my components from own eye inspections because I offered to go there and perform show and tell, but that is not how the system normally works. Normally, the abandonment of any personal responsibility allows for extreme percentage additions and a product I might get for 400 bucks ends up costing 2000 bucks through normal channels. At any later time, insurance will tell me that they will not re-imburse my direct purchases for adminstrative reasons and not pay the 2000 USD order because that is too expensive. Then telling us that manufacturers have this and that as reasons to demand more does not explain what really bugs the user. 

Fourthly, almost no self respecting prosthetic manufacturer has a clearly visible end user price list, and no prosthetist order price list, that anyone can see and use. Also, hard tech specs are missing wherever the eye looks. Weights in grams, speed, cost for maintenance, all that. - In other words, we are not dealing with an industry that is a bit tricky and sly to deal with - no, we are confronted with a molasses that is so thick we cannot see the hand in front of our eyes in terms of lack fo transparency. If I was trying to make a case for honest pricing, I first would ask of my own and fellow companies to be transparent in at least a minimal way. 

Last but not the least, prosthetic components are consumer products like any other. They compete with consumer products (not necessarily prosthetic products!) like any other - let there be no doubt. Instead of sinking a substantial amount of money into a &quot;&quot;bionic&quot;&quot; hand last year, I bought land for about 200000 USD, and a new car, believing these to be far better investments into my overall well being than what the industries had to offer then in terms of &quot;&quot;bionic&quot;&quot; hands or arms. I increasingsly come to the conclusion that in order for a deal to be a deal, both parties need to have a mutual understanding. So far, I see very very little in terms of &quot;mutual understanding&quot; when it comes to prosthetic part builders to treat customers fairly - not everyone, but big ones and some important ones. Instead, what I see, is an industry whose representatives seem to never have realized that I be missing a hand but not a brain, not a heart and most definitely not my business sense and from that angle, any such attempt to dodge issues also are something that I regard as a bit of an offense. I am handicapped and treating me like that is something I view as offensive, and from there, I may just do the same to them. So I will want to see A LOT of improvement in attitude, in honesty, in fairness to the customer, in transparency for pricing and all, before there will be a &quot;deal&quot; whenever it may come the time when we look at prosthetic costs for something &quot;more expensive&quot;.]]></description>
		<content:encoded><![CDATA[<p>I am not sure this is all too revealing. It basically is what everyone says that sells prosthetic components if asked in public. </p>
<p>One really relevant aspect is to demand as price what the market is willing to pay. Pricing typically is a market thing and as it is, what is wrong with saying it. More disturbingly though, why do I have to say it (and why is no prosthetic part manufacturer getting up to say it): if a prosthetic wonder hand only is regarded as superb, unique and really bionic (all bloated sales terms) if it costs 90000 USD plus, then it would be silly to offer it for 7000 USD. Simple as that. From where I am standing, a prosthetic hand such as the ones I use that cost significantly less than 1000 USD cannot be as good BECAUSE OF THAT in the eyes of many people &#8211; and as long as that is the case, we are commenting on prices that are made outside any rational range.We are dealing with emotional and market driven prices. </p>
<p>A second relevant aspect is the personnel being employed. Quite frankly, the interaction I had with Otto Bock employees would (even as their supervisor) lead me to immediately sack them. What an entire waste of bandwidth these people were.  One does have to resort to rather extreme measures to enforce useful replies there, a consistent experience that others have. I think, better to have no marketing personnel than such. Even in a moderately agreeable mood I cannot understand at all why anyone would hire anyone that tells customers &#8220;if the prosthetic has been construed wrongly we recommend you get physiotherapy&#8221;. That these personnel cost add to the total price of any prosthetic component &#8211; sky clear to me. And yet, just ever so unnecessary from point of view of a user. So that bloats costs massively. </p>
<p>A third important aspect is responsibility abandonement. It is extremely rare that individuals or end users directly buy off the manufacturer and if so (I do that quite often as Swiss consumer, as we have laws that make it hard for manufacturers to not sell to me) I actually so far had gotten fairly good prices. However, when regular sales channels are used, prices are extreme also &#8220;because no one is responsible&#8221; &#8211; and that fact is massively exploited by prosthetic component manufacturers just as it is exploited by the whole medical industry generally. Regularly, I would ask the prosthetist to apply for the prosthetic. The prosthetist (not me) types up that sheet (I never see it usually) and sends it to the (my!) insurance that then sends to away to another company that checks it for them. They, unknown to anyone, will then issue a recommendation that may be &#8220;out there&#8221; or not, and the money that is then being offered to pay does not seem to be anyone´s personal responsibility. The prosthetist will try to construct something slightly cheaper than what insurance pays so they can profit a bit, and I have no idea (normally) what it is they would have paid. Obviously I know the guys that check my insurance applications personally, they know my components from own eye inspections because I offered to go there and perform show and tell, but that is not how the system normally works. Normally, the abandonment of any personal responsibility allows for extreme percentage additions and a product I might get for 400 bucks ends up costing 2000 bucks through normal channels. At any later time, insurance will tell me that they will not re-imburse my direct purchases for adminstrative reasons and not pay the 2000 USD order because that is too expensive. Then telling us that manufacturers have this and that as reasons to demand more does not explain what really bugs the user. </p>
<p>Fourthly, almost no self respecting prosthetic manufacturer has a clearly visible end user price list, and no prosthetist order price list, that anyone can see and use. Also, hard tech specs are missing wherever the eye looks. Weights in grams, speed, cost for maintenance, all that. &#8211; In other words, we are not dealing with an industry that is a bit tricky and sly to deal with &#8211; no, we are confronted with a molasses that is so thick we cannot see the hand in front of our eyes in terms of lack fo transparency. If I was trying to make a case for honest pricing, I first would ask of my own and fellow companies to be transparent in at least a minimal way. </p>
<p>Last but not the least, prosthetic components are consumer products like any other. They compete with consumer products (not necessarily prosthetic products!) like any other &#8211; let there be no doubt. Instead of sinking a substantial amount of money into a &#8220;&#8221;bionic&#8221;" hand last year, I bought land for about 200000 USD, and a new car, believing these to be far better investments into my overall well being than what the industries had to offer then in terms of &#8220;&#8221;bionic&#8221;" hands or arms. I increasingsly come to the conclusion that in order for a deal to be a deal, both parties need to have a mutual understanding. So far, I see very very little in terms of &#8220;mutual understanding&#8221; when it comes to prosthetic part builders to treat customers fairly &#8211; not everyone, but big ones and some important ones. Instead, what I see, is an industry whose representatives seem to never have realized that I be missing a hand but not a brain, not a heart and most definitely not my business sense and from that angle, any such attempt to dodge issues also are something that I regard as a bit of an offense. I am handicapped and treating me like that is something I view as offensive, and from there, I may just do the same to them. So I will want to see A LOT of improvement in attitude, in honesty, in fairness to the customer, in transparency for pricing and all, before there will be a &#8220;deal&#8221; whenever it may come the time when we look at prosthetic costs for something &#8220;more expensive&#8221;.</p>
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		<title>Comment on the disconnect by the cost conundrum &#124; less is more</title>
		<link>http://limblogger.wordpress.com/2013/04/23/the-disconnect/#comment-702</link>
		<dc:creator><![CDATA[the cost conundrum &#124; less is more]]></dc:creator>
		<pubDate>Tue, 14 May 2013 11:55:24 +0000</pubDate>
		<guid isPermaLink="false">http://limblogger.wordpress.com/?p=2195#comment-702</guid>
		<description><![CDATA[[&#8230;] Cheryl, less is more reader, commenting on &#8220;the disconnect&#8220; [&#8230;]]]></description>
		<content:encoded><![CDATA[<p>[&#8230;] Cheryl, less is more reader, commenting on &#8220;the disconnect&#8220; [&#8230;]</p>
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		<title>Comment on ok by Cara Negri</title>
		<link>http://limblogger.wordpress.com/2013/04/30/ok/#comment-696</link>
		<dc:creator><![CDATA[Cara Negri]]></dc:creator>
		<pubDate>Tue, 30 Apr 2013 16:41:55 +0000</pubDate>
		<guid isPermaLink="false">http://limblogger.wordpress.com/?p=2204#comment-696</guid>
		<description><![CDATA[Perfect...]]></description>
		<content:encoded><![CDATA[<p>Perfect&#8230;</p>
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		<title>Comment on ok by joseph murray</title>
		<link>http://limblogger.wordpress.com/2013/04/30/ok/#comment-695</link>
		<dc:creator><![CDATA[joseph murray]]></dc:creator>
		<pubDate>Tue, 30 Apr 2013 15:38:31 +0000</pubDate>
		<guid isPermaLink="false">http://limblogger.wordpress.com/?p=2204#comment-695</guid>
		<description><![CDATA[I lost my right leg a year ago, one has to stay positive, you have the option, spend the rest of your life in a wheel chair or get up and go, its not the end of the world. the frustrations you will encounter will be many, but they will minimise as time goes by, soon your preparation and planning for each venture will become easier, you will make less mistakes and forget about the past, its your preparation and planning which makes it a better day]]></description>
		<content:encoded><![CDATA[<p>I lost my right leg a year ago, one has to stay positive, you have the option, spend the rest of your life in a wheel chair or get up and go, its not the end of the world. the frustrations you will encounter will be many, but they will minimise as time goes by, soon your preparation and planning for each venture will become easier, you will make less mistakes and forget about the past, its your preparation and planning which makes it a better day</p>
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		<title>Comment on the disconnect by dmcgill40</title>
		<link>http://limblogger.wordpress.com/2013/04/23/the-disconnect/#comment-683</link>
		<dc:creator><![CDATA[dmcgill40]]></dc:creator>
		<pubDate>Thu, 25 Apr 2013 03:55:45 +0000</pubDate>
		<guid isPermaLink="false">http://limblogger.wordpress.com/?p=2195#comment-683</guid>
		<description><![CDATA[Wolf:

Your last point first: as I note in the &quot;about&quot; section of &lt;strong&gt;less &lt;em&gt;is&lt;/em&gt; more&lt;/strong&gt;, I work for a prosthetic component manufacturer. So there&#039;s little doubt I see the world at least in part through that lens. Not a lot I can do about that - it&#039;s part of my life.

As for your first point that I &quot;act as if prosthetic prices were &quot;as is,&quot; I&#039;m not sure I could write this particular post any other way. I&#039;m addressing how things actually &lt;em&gt;are&lt;/em&gt; in the U.S. reimbursement world today. 

Your alternative proposal - insurance companies developing their own prosthetic devices and controlling costs as a result - is an interesting concept, but it&#039;s purely theoretical at this point in the U.S. Doesn&#039;t mean that it&#039;s not worth discussing, but it wasn&#039;t the intended subject of this particular post. 

Thanks!]]></description>
		<content:encoded><![CDATA[<p>Wolf:</p>
<p>Your last point first: as I note in the &#8220;about&#8221; section of <strong>less <em>is</em> more</strong>, I work for a prosthetic component manufacturer. So there&#8217;s little doubt I see the world at least in part through that lens. Not a lot I can do about that &#8211; it&#8217;s part of my life.</p>
<p>As for your first point that I &#8220;act as if prosthetic prices were &#8220;as is,&#8221; I&#8217;m not sure I could write this particular post any other way. I&#8217;m addressing how things actually <em>are</em> in the U.S. reimbursement world today. </p>
<p>Your alternative proposal &#8211; insurance companies developing their own prosthetic devices and controlling costs as a result &#8211; is an interesting concept, but it&#8217;s purely theoretical at this point in the U.S. Doesn&#8217;t mean that it&#8217;s not worth discussing, but it wasn&#8217;t the intended subject of this particular post. </p>
<p>Thanks!</p>
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		<title>Comment on the disconnect by dmcgill40</title>
		<link>http://limblogger.wordpress.com/2013/04/23/the-disconnect/#comment-682</link>
		<dc:creator><![CDATA[dmcgill40]]></dc:creator>
		<pubDate>Thu, 25 Apr 2013 03:45:30 +0000</pubDate>
		<guid isPermaLink="false">http://limblogger.wordpress.com/?p=2195#comment-682</guid>
		<description><![CDATA[Cheryl:

Thanks for sharing your experience. 

I hear you re. amputees doing more than able-bodied individuals. My thinking process when I wrote that was as follows: (1) many able-bodied Americans live sedentary, unhealthy lifestyles; (2) some amputees live comparatively active, healthy lifestyles; (3) therefore, there are amputees who do more than their able-bodied peers. That doesn&#039;t mean they&#039;re high-end athletes. It just means that maybe the amputee walks 7,000 steps a day while the able-bodied person walks 2,500. 

But your point is well taken.

Thanks so much for reading and taking the time to reply!]]></description>
		<content:encoded><![CDATA[<p>Cheryl:</p>
<p>Thanks for sharing your experience. </p>
<p>I hear you re. amputees doing more than able-bodied individuals. My thinking process when I wrote that was as follows: (1) many able-bodied Americans live sedentary, unhealthy lifestyles; (2) some amputees live comparatively active, healthy lifestyles; (3) therefore, there are amputees who do more than their able-bodied peers. That doesn&#8217;t mean they&#8217;re high-end athletes. It just means that maybe the amputee walks 7,000 steps a day while the able-bodied person walks 2,500. </p>
<p>But your point is well taken.</p>
<p>Thanks so much for reading and taking the time to reply!</p>
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		<title>Comment on the disconnect by Wolf Schweitzer</title>
		<link>http://limblogger.wordpress.com/2013/04/23/the-disconnect/#comment-679</link>
		<dc:creator><![CDATA[Wolf Schweitzer]]></dc:creator>
		<pubDate>Wed, 24 Apr 2013 10:32:38 +0000</pubDate>
		<guid isPermaLink="false">http://limblogger.wordpress.com/?p=2195#comment-679</guid>
		<description><![CDATA[A not unimportant aspect in that debate however is that you act as if prosthetic prices were &quot;as is&quot;. If national insurances were to develop their own prostheses and sell them for a minimal manufacturing cost, soliciting technical contributions from industries where they are often available at low cost if one negotiates well, then the price debate would not be one. Currently, we have - for example - Otto Bock where the vast majority of employees (from my experience here, hand/s on) must be quite arrogant marketing specialists that have absolutely no idea how to deal with a technically proficient amputee that just trouble shooted their faulty produce and tells them what all is wrong with the product. Given that as reality, one cannot but wonder why their chairman Max Nader runs the company seemingly mainly to finance his costly carbon yacht hobby - a the expense of daily trouble of amputees who would be a lot better served with better products for far lower prices. There is a real reason why I like and support Becker hands that are fare more functional than the current Otto Bock Michelangelo hand - the Becker hands are really built by people with a heart, they cost 400 to 700 bucks, last a long time, and offer adaptive grips. That concept has certainly not been understood by manufacturers and as long as that is not the case I see no reason why insurances are guilty of not paying for shamelessly overpriced gadgets that really do not hold up to tasks such as what I put my terminal devices through. So from reading the above I cannot but conclude that you must be very partial to the prosthetic industry.]]></description>
		<content:encoded><![CDATA[<p>A not unimportant aspect in that debate however is that you act as if prosthetic prices were &#8220;as is&#8221;. If national insurances were to develop their own prostheses and sell them for a minimal manufacturing cost, soliciting technical contributions from industries where they are often available at low cost if one negotiates well, then the price debate would not be one. Currently, we have &#8211; for example &#8211; Otto Bock where the vast majority of employees (from my experience here, hand/s on) must be quite arrogant marketing specialists that have absolutely no idea how to deal with a technically proficient amputee that just trouble shooted their faulty produce and tells them what all is wrong with the product. Given that as reality, one cannot but wonder why their chairman Max Nader runs the company seemingly mainly to finance his costly carbon yacht hobby &#8211; a the expense of daily trouble of amputees who would be a lot better served with better products for far lower prices. There is a real reason why I like and support Becker hands that are fare more functional than the current Otto Bock Michelangelo hand &#8211; the Becker hands are really built by people with a heart, they cost 400 to 700 bucks, last a long time, and offer adaptive grips. That concept has certainly not been understood by manufacturers and as long as that is not the case I see no reason why insurances are guilty of not paying for shamelessly overpriced gadgets that really do not hold up to tasks such as what I put my terminal devices through. So from reading the above I cannot but conclude that you must be very partial to the prosthetic industry.</p>
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		<title>Comment on the disconnect by Cheryl</title>
		<link>http://limblogger.wordpress.com/2013/04/23/the-disconnect/#comment-676</link>
		<dc:creator><![CDATA[Cheryl]]></dc:creator>
		<pubDate>Tue, 23 Apr 2013 17:33:30 +0000</pubDate>
		<guid isPermaLink="false">http://limblogger.wordpress.com/?p=2195#comment-676</guid>
		<description><![CDATA[As I read your profound post, I admittedly find myself crying.  I&#039;ve been an A.K. for 23 years, and can only wish that my prosthetic allowed me to be as active as I was prior to loosing my limb.  It is nowhere near as good as the real deal, and I have $100,000 leg.  No kidding.  That&#039;s what was billed to my insurance company.  No, it&#039;s not made of gold and precious stones, but I do have a microprocessor knee and an &quot;ok&quot; foot that I can adjust for different heal heights and lock in place.  17 years ago, I had to pay out of pocket $25,000, for a new prosthetic.  People don&#039;t realize that one prosthetic not only doesn&#039;t even come close to plain ol&#039; simple walking of a real leg, but if you want to swim, you need another leg, if you want to run, you need another leg, if you want to ride a bicicle, you need another leg, if you want to do anything other than walk from your couch to your bedroom, you need another leg AND alllllll of the components that go with it ie knees/feet/nuts/bolts/pylons/pyramids/rotators/sockets/pins/liners/etc.  Insurance barely pays for one leg, and as you&#039;ve pointed out, they only begrudgingly pay for only &quot;basic&quot; parts...none of that &quot;fancy&quot; Ferrari kinda stuff.  It&#039;s awful!!!  This typical 4-limbed person doesn&#039;t have a clue.  And I beg to differ that prosthetics have come so far as to allow some amputees to do the same, if not more, than the able-bodied group, as you suggested up above.  If that&#039;s true, it would only apply to less than 1% of the amputee population.  You&#039;re talking the crem de la crem athletes.  This is not the norm.  I can&#039;t imagine these top successful amputees come home from a hard days&#039; work and just chill out.  I bet they take their limbs off and attend to their battered skin.  

I&#039;m frustrated because the parts for my expensive nowhere-near-as-good-as-the-real-deal are not being covered by insurance anymore.  The same foot that I have used for probably 17 years, is no longer covered because it was deemed &quot;medically unnecessary&quot;.  Are you KIDDING ME????  

In concluding my very frustrated rant, I concur with your statement &quot;Insurance companies do things that make me angry!&quot;]]></description>
		<content:encoded><![CDATA[<p>As I read your profound post, I admittedly find myself crying.  I&#8217;ve been an A.K. for 23 years, and can only wish that my prosthetic allowed me to be as active as I was prior to loosing my limb.  It is nowhere near as good as the real deal, and I have $100,000 leg.  No kidding.  That&#8217;s what was billed to my insurance company.  No, it&#8217;s not made of gold and precious stones, but I do have a microprocessor knee and an &#8220;ok&#8221; foot that I can adjust for different heal heights and lock in place.  17 years ago, I had to pay out of pocket $25,000, for a new prosthetic.  People don&#8217;t realize that one prosthetic not only doesn&#8217;t even come close to plain ol&#8217; simple walking of a real leg, but if you want to swim, you need another leg, if you want to run, you need another leg, if you want to ride a bicicle, you need another leg, if you want to do anything other than walk from your couch to your bedroom, you need another leg AND alllllll of the components that go with it ie knees/feet/nuts/bolts/pylons/pyramids/rotators/sockets/pins/liners/etc.  Insurance barely pays for one leg, and as you&#8217;ve pointed out, they only begrudgingly pay for only &#8220;basic&#8221; parts&#8230;none of that &#8220;fancy&#8221; Ferrari kinda stuff.  It&#8217;s awful!!!  This typical 4-limbed person doesn&#8217;t have a clue.  And I beg to differ that prosthetics have come so far as to allow some amputees to do the same, if not more, than the able-bodied group, as you suggested up above.  If that&#8217;s true, it would only apply to less than 1% of the amputee population.  You&#8217;re talking the crem de la crem athletes.  This is not the norm.  I can&#8217;t imagine these top successful amputees come home from a hard days&#8217; work and just chill out.  I bet they take their limbs off and attend to their battered skin.  </p>
<p>I&#8217;m frustrated because the parts for my expensive nowhere-near-as-good-as-the-real-deal are not being covered by insurance anymore.  The same foot that I have used for probably 17 years, is no longer covered because it was deemed &#8220;medically unnecessary&#8221;.  Are you KIDDING ME????  </p>
<p>In concluding my very frustrated rant, I concur with your statement &#8220;Insurance companies do things that make me angry!&#8221;</p>
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		<title>Comment on the disconnect by Sharon</title>
		<link>http://limblogger.wordpress.com/2013/04/23/the-disconnect/#comment-675</link>
		<dc:creator><![CDATA[Sharon]]></dc:creator>
		<pubDate>Tue, 23 Apr 2013 17:32:19 +0000</pubDate>
		<guid isPermaLink="false">http://limblogger.wordpress.com/?p=2195#comment-675</guid>
		<description><![CDATA[This needed to be said, let&#039;s hope it&#039;s heard.]]></description>
		<content:encoded><![CDATA[<p>This needed to be said, let&#8217;s hope it&#8217;s heard.</p>
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