My health insurance company is risking my life

Untitled.png

I used to be identified 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 identified ‘giant melanoma’ in my proper eye. Dr. Google instructed 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 bought it the subsequent day. She identified the melanoma as “small” – a perform of thickness, and stated I had a a lot better probability of long-term survival than we thought.

The really useful therapy was a radiation pad sewn immediately onto the eyeball. Everybody moved rapidly. Two weeks after the prognosis I used to be within the working room. Issues needed to occur rapidly as a result of the danger of malignancy will increase daily, and when that occurs a nasty consequence is extra probably.

However the truth that insurance coverage firms are concerned additionally will increase my danger of unhealthy outcomes.

Different developed nations have issue understanding our well being care system in america. Right here, we determined that it will be a good suggestion to create a for-profit entity – medical health insurance – between us and our Medicare. As you would possibly count on, this creates a big battle of curiosity for insurance coverage firms. They generate profits by charging you premiums, then denying you protection.

Listed here are two instances which have truly occurred with my present well being concern. When melanoma was identified, the medical doctors all stated “every thing might be lined”. I quickly obtained letters from the insurance coverage firm reassuring me about protection. (By the best way, that is the most important for-profit medical health insurance firm within the US)

The therapy concerned getting the radioactive plaque in my eye, then eradicating it per week later. Put in with out a hitch. The day earlier than it was eliminated, the hospital referred to as and stated “insurance coverage didn’t approve of removing.” I stated “Ah what?”

Subsequently, we referred to as it insurance coverage. They instructed 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 instructed me that if we signed the waiver, they would not pay as a result of I’d have completed the process with out their consent.

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

In actual fact, the lady who signed me up for plaque removing surgical procedure was initially from Canada. “I simply do not perceive this method,” she stated. “I pay for medical health insurance each month, however I nonetheless must pay deductibles and co-costs? What is that this?”

I hate this method very passionately. And I am fortunate. No less than I’ve insurance coverage. It is exhausting to think about somebody with out insurance coverage going by this.

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