My health insurance company is risking my life


I used to be recognized final month with pores and skin most cancers inside my proper eye. I had some blurring of imaginative and prescient, so I instantly went to the ophthalmologist. He noticed what he referred to as “freckles” in my eye, and gave me an emergency referral to an ophthalmologist.

The ophthalmologist recognized ‘giant melanoma’ in my proper eye. Dr. Google informed my spouse that the survival with giant eye melanoma is lower than 50% in 5 years. I’ve collapsed. I used to be despatched to an eye fixed oncologist and received it the following day. She recognized the melanoma as “small” – a operate of thickness, and stated I had a significantly better likelihood of long-term survival than we thought.

The really useful therapy was a radiation pad sewn instantly onto the eyeball. Everybody moved shortly. Two weeks after the analysis I used to be within the working room. Issues needed to occur shortly as a result of the chance of malignancy will increase day-after-day, and when that occurs a foul final result is extra probably.

However the truth that insurance coverage corporations are concerned additionally will increase my threat of dangerous outcomes.

Different developed international locations have issue understanding our well being care system in the US. Right here, we determined that it will be a good suggestion to place a for-profit entity – medical insurance – between us and our Medicare. As you may count on, this creates a major battle of curiosity for insurance coverage corporations. They generate profits by charging you premiums, then denying you protection.

Listed here are two instances which have really occurred with my present well being worry. When melanoma was recognized, the docs all stated “all the things will likely be lined”. I quickly acquired letters from the insurance coverage firm reassuring me about protection. (By the best way, that is the most important for-profit medical insurance firm within the US)

The therapy concerned getting the radioactive plaque in my eye, then eradicating it per week later. Put in with no hitch. The day earlier than it was eliminated, the hospital referred to as and stated “insurance coverage didn’t approve the elimination.” I stated “Ah what?”

So, we referred to as it insurance coverage. They informed us they wanted three weeks to get this approval. The hospital stated I must signal a waiver to have the surgical procedure, indicating that I used to be financially accountable if the insurance coverage did not pay. The insurance coverage informed me that if we signed the waiver, they would not pay as a result of I’d have executed the process with out their consent.

“This supply needs to be taken out instantly, as a result of it’s going to destroy your imaginative and prescient if left on for too lengthy,” the physician informed me. And this was a nuclear regulator in my eyes that saved me from being round different folks. So, I had no selection however to signal it. Proper earlier than the surgical procedure – like an hour earlier than we had been within the ready room – the insurance coverage refused to have surgical procedure to take away it. If this sounds loopy, it’s. So, we have now to combat them. Simply one other squeeze on this entire factor.

the second factor. My oncologist stated an important factor now was to find out if the most cancers had unfold. That is actually the most important consider whether or not I’ll get a very good end result or a foul end result. He ordered a whole-body PET scan. Insurance coverage denied it. “This melanoma was in his eye,” they stated. “We do not see a necessity to look at the remainder of his physique.” Once more, loopy.

Actually, the girl who signed me up for plaque elimination surgical procedure was initially from Canada. “I simply do not perceive this technique,” she stated. “I pay for medical insurance each month, however I nonetheless need to pay deductibles and co-costs? What is that this?”

I hate this technique very passionately. And I am fortunate. At the very least I’ve insurance coverage. It is exhausting to think about somebody with out insurance coverage going via this.

I’ve lived in Germany, Scotland and Holland. I’ve first-hand expertise of common healthcare in these international locations. What we have now in the US is an abomination.

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