My health insurance company is risking my life


Final month I used to be identified with melanoma inside my proper eye. I had some blurry imaginative and prescient, so I instantly went to my optometrist. He noticed what he known as a “freckle” in my eye and referred me to an emergency ophthalmologist.

The ophthalmologist identified a β€œmassive melanoma” in my proper eye. Dr. Google instructed my spouse that the survival price with a big melanoma within the eye is lower than 50% at 5 years. She fell aside. I used to be despatched to an eye fixed oncologist and arrived the subsequent day. She identified the melanoma as “small,” which is a operate of thickness, and stated I’ve a significantly better probability of long-term survival than we thought.

The really useful remedy was a radiation plate that’s sewn instantly onto the eyeball. All of them moved shortly. Two weeks after analysis I used to be within the working room. Issues needed to occur shortly as a result of every single day the danger of metastasis elevated, and when that occurs, a nasty consequence is more likely.

However, the truth that insurance coverage corporations are concerned additionally will increase my danger of a nasty consequence.

Different developed international locations have a tough time understanding our well being care system within the US Right here, we determined it will be a good suggestion to place a for-profit entity, medical insurance, between us and our well being care. Unsurprisingly, that creates an enormous battle of curiosity for insurance coverage corporations. They generate profits by charging you premiums after which denying you protection.

Listed here are two conditions which have already occurred with my present well being drawback. After I was identified with melanoma, all of the docs stated, “Every thing will probably be lined.” Quickly I obtained letters from the insurance coverage firm assuring me concerning the protection. (That is the biggest for-profit medical insurance firm within the US, by the way in which.)

The remedy concerned putting in the radiation plate in my eye after which eradicating it every week later. The set up went easily. The day earlier than it was imagined to be eliminated, the hospital known as and stated, “Insurance coverage has not accepted the removing.” I stated “Hey what?”

So we name insurance coverage. They instructed us that they want three weeks for such approval. The hospital stated that I must signal a waiver to proceed with the surgical procedure, stating that I’m financially accountable if insurance coverage doesn’t pay. The insurance coverage instructed me that if we signal the waiver then they will not pay as a result of I might have accomplished the process with out their approval.

The physician instructed me, “That fountain has to return out instantly, as a result of it can destroy your imaginative and prescient if left on too lengthy.” And this was a regulated nuclear supply in my eye that prohibited me from being close to different individuals. So, I had no selection however to signal it. And proper earlier than the surgical procedure, like actually an hour earlier than whereas we have been within the ready room, the insurance coverage denied surgical procedure to take away it. If that sounds loopy, it’s. So now we have to struggle them. Simply one other stress on this complete factor.

Second factor. My medical oncologist stated that crucial factor now could be to find out if the most cancers has unfold. That is actually the largest consider whether or not I’ve an excellent outcome or a nasty outcome. He ordered a full physique PET scan. Insurance coverage denied it. They stated, “This melanoma was in his eye. We do not see the necessity to examine the remainder of his physique.” Once more, loopy.

In actual fact, the girl who checked me in for plaque removing surgical procedure was initially from Canada. She stated, “I simply do not perceive this technique. I pay for medical insurance each month, however I nonetheless must pay deductibles and copays. What’s that?”

I hate this technique with a burning ardour. And I am fortunate. A minimum of I’ve insurance coverage. It is laborious to think about somebody with out insurance coverage going by way of this.

I’ve lived in Germany, Scotland and the Netherlands. I’ve instantly skilled common healthcare in these international locations. What now we have in the USA is an abomination.

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