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 ‘massive melanoma’ in my proper eye. Dr. Google instructed my spouse that the survival with massive eye melanoma is lower than 50% in 5 years. I’ve collapsed. I used to be despatched to a watch oncologist and received it the following day. She identified the melanoma as “small” – a operate of thickness, and stated I had a a lot better probability of long-term survival than we thought.

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

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

Different developed nations have issue understanding our well being care system in america. Right here, we determined that it might be a good suggestion to place 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 corporations. They generate income by charging you premiums, then denying you protection.

Listed here are two instances which have really occurred with my present well being concern. When melanoma was identified, the docs all stated “all the things might be lined”. I quickly acquired letters from the insurance coverage firm reassuring me about protection. (By the way in which, that is the biggest 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 and not using a hitch. The day earlier than it was eliminated, the hospital known as and stated “insurance coverage didn’t approve the elimination.” I stated “Ah what?”

So, we known 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 might have carried out 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 instructed me. And this was a nuclear regulator in my eyes that stored 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’ve got to struggle them. Simply one other squeeze on this entire factor.

the second factor. My oncologist stated a very powerful factor now was to find out if the most cancers had unfold. That is actually the most important think about whether or not I’ll get a superb consequence or a foul consequence. 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 elimination 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 should pay deductibles and co-costs? What is that this?”

I hate this method very passionately. And I am fortunate. At the very least I’ve insurance coverage. It is onerous to think about somebody with out insurance coverage going by means of this.

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