My health insurance company is risking my life

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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 known 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 obtained it the following day. She identified the melanoma as “small” – a operate of thickness, and mentioned I had a significantly better likelihood of long-term survival than we thought.

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

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

Different developed nations have problem understanding our well being care system in the USA. Right here, we determined that it might be a good suggestion to create a for-profit entity – medical insurance – between us and our Medicare. As you would possibly anticipate, this creates a big battle of curiosity for insurance coverage corporations. They earn a living by charging you premiums, then denying you protection.

Listed below are two circumstances which have really occurred with my present well being concern. When melanoma was identified, the docs all mentioned “every thing might be coated”. 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 insurance firm within the US)

The remedy 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 known as and mentioned “insurance coverage didn’t approve of elimination.” I mentioned “Ah what?”

Due to this fact, we known as it insurance coverage. They instructed us they wanted three weeks to get this approval. The hospital mentioned 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 might have performed the process with out their consent.

“This supply must be taken out instantly, as a result of it is going to 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 individuals. So, I had no selection 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, we have now to battle them. Simply one other squeeze on this entire factor.

the second factor. My oncologist mentioned a very powerful 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 mentioned. “We do not see a necessity to look at the remainder of his physique.” Once more, loopy.

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

I hate this technique very passionately. And I am fortunate. A minimum of I’ve insurance coverage. It is arduous to think about somebody with out insurance coverage going by way of this.

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