The Great Bottle Opener Giveaway

Home Brew Forums > Home Brewing Community > General Chit Chat > Cancer and no insurance

Reply
 
LinkBack Thread Tools
Old 11-22-2012, 07:45 AM   #1
bigbeergeek
Feedback Score: 0 reviews
Recipes 
 
Join Date: Sep 2008
Location: Visalia, CA
Posts: 4,075
Liked 113 Times on 92 Posts
Likes Given: 79

Default Cancer and no insurance

My mother (62) was just diagnosed with endometrial cancer. No information regarding type/stage etc. She cancelled her health insurance last month, a couple of weeks before the diagnosis.

Life is a bitch sometimes.

She has no assets and is now facing an expensive battle with cancer that will begin with a hysterectomy in a couple of weeks. Just curious if any of my fellow HBT members have any advice regarding fighting cancer without money or insurance in America (beyond contacting a social worker at a research hospital, the current plan).

Thanks all.

__________________

"Good people drink good beer." -HST

bigbeergeek is offline
 
Reply With Quote Quick reply to this message
Old 11-22-2012, 02:14 PM   #2
Bensiff
Mind Your Business
HBT_SUPPORTER.png
Feedback Score: 0 reviews
 
Bensiff's Avatar
Recipes 
 
Join Date: Mar 2008
Location: , Washington, the state
Posts: 4,402
Liked 293 Times on 237 Posts
Likes Given: 53

Default

Sorry to hear that...I'll keep her in my thoughts. As far as your question, I don't know...that is my wife's area, she is spending her days in meetings attempting to figure out how the new health care guidelines are changing and maybe somewhere in those couple thousand pages is something that will be of aid, perhaps the pre-existing condition stuff...but, I really don't know how that will work. For now as much as I can say is try to enjoy the holidays as family, friends, and laughter can do a lot to heal; if not the body, then the mind.

__________________
Bensiff is offline
 
Reply With Quote Quick reply to this message
Old 11-22-2012, 02:18 PM   #3
Pappers_
Moderator
HBT_MODERATOR.png
Feedback Score: 0 reviews
 
Pappers_'s Avatar
Recipes 
 
Join Date: Jan 2009
Location: Chicago
Posts: 11,480
Liked 865 Times on 622 Posts
Likes Given: 1921

Default

Where I live, those without insurance go to Cook County Hospital, perhaps California has a similar public health system? Your mother and you will be in my thoughts and prayers.

Pappers_ is offline
 
Reply With Quote Quick reply to this message
Old 11-22-2012, 10:45 PM   #4
ReverseApacheMaster
Registered User
Feedback Score: 0 reviews
Recipes 
 
Join Date: Jul 2009
Location: Keller, Texas
Posts: 4,887
Liked 228 Times on 191 Posts

Default

Does she qualify for medicaid or another state health care program? Does she qualify for medicare? Those would probably be her best bet. If she cancelled her insurance because she could not afford it, then it's plausible she could receive some aid program. If not, take a look at the county hospitals. They will provide treatment and usually they do pursue payment even if you cannot pay (at least here). However, there may be an indigent option where the hospital will offer treatment and not try to recover payment from her.

If no government agency can assist there may be local or national private aid agencies that can help.

Is it possible she worked in a job where she handled industrial chemicals? If so, workplace exposure may be a contributing cause and she may be able to obtain coverage through worker's compensation. You would definitely want to feel that out with a lawyer in her state that specializes in worker's comp claims.

There is always the option that she gets treatment and then dies without paying. I know it's not the classy thing to do but it's better than not having treatment. She would probably have to go through the public hospitals for it anyway since private providers may be unwilling to offer treatment without insurance or cash up front. It can be an option until she qualifies for Medicaid, Medicare, or another government program.

__________________
ReverseApacheMaster is offline
 
Reply With Quote Quick reply to this message
Old 11-23-2012, 01:07 AM   #5
jimmystewart
Feedback Score: 0 reviews
Recipes 
 
Join Date: Oct 2010
Location: planet earth
Posts: 85
Liked 1 Times on 1 Posts

Default

If she's eligible for Medicare (and some people are before age 65) then the rules may allow her to enroll in a Medicare Supplement without any underwriting. It is currently the Annual Election Period (again, if she's eligible for Medicare) she can enroll into a Medicare Advantage plan. Call CMS (Centers for Medicare & Medicaid Services) at 1-800-633-4227 (that's 1-800-MEDICARE) and ask about eligibility and guaranteed issue / guaranteed acceptance. If it turns out she is eligible for Medicare and you think a Medicare Advantage plan is the best option, ask about what election periods she qualifies for.

If the Medicare thing doesn't work out and she won't be eligible until 65, then as ReverseApache suggested above, call the state Medicaid office. If your mom is in CA with you, they're called Medi-Cal and that number is 916-445-4171.

Those are just the first two of many, many options that exist for you. If neither of them can help you directly, they can point you towards who can. Many states even offer risk pool options for people who can not get insurance through any other sources.

This has got to be tough for your family. I wish you all the best and I hope that the little bit of information that I can give you in some way helps you to deal with it.

Stay positive.

__________________
jimmystewart is offline
 
Reply With Quote Quick reply to this message
Old 11-26-2012, 05:39 AM   #6
jgln
Feedback Score: 0 reviews
Recipes 
 
Join Date: May 2008
Location: Southern, NJ
Posts: 3,496
Liked 50 Times on 39 Posts
Likes Given: 2

Default

So she literally felt fine, canceled her insurance, then weeks later was diagnosed with cancer, that really sucks.

__________________
jgln is offline
 
Reply With Quote Quick reply to this message
Old 12-13-2012, 01:25 AM   #7
BobbiLynn
Feedback Score: 0 reviews
Recipes 
 
Join Date: Nov 2012
Posts: 2,951
Liked 791 Times on 539 Posts
Likes Given: 389

Default

Quote:
fighting cancer without money or insurance in America
It's been a couple weeks since you posted, but sure you are still dealing with it, unless she qualified for government assistance to cover it all, but anyway, can't wait for them, she needs her treatments now. Sometimes you are better off without insurance.

Don't worry about it, she'll get top care. My husband's insurance was cancelled(but not by the insurance company who just wanted to raise his rates) after he was diagnosed because they realized he had the symptoms years ago but didn't go for the expensive tests(high co-pay). Insurance wouldn't cover anything, and wanted him to pay more monthly, so he cancelled it AFTER he was diagnosed.

The public hospital will do her surgery, she can then pay back $10.00 a month for the rest of her life if that's all she can afford. After surgery, probably next will be chemo. There are a couple new chemo pills out that the pharmacy that makes them will give her the pills for free if you don't have insurance. A good one is Xeloda(normally 8 grand a month, imagine the 20% co-pay if you had insurance). It's step by step- rare you will find one place to cover every expense, it's dealing with each one, one at a time, as they come along. Also, my husband does not qualify for any type of government assistance, we tried all that and it was a waste of time. So far, I think we spent maybe $2000 total and owe nothing else... chemo covered, radiation covered, surgery covered... It's one step at a time..
__________________
BobbiLynn is offline
 
Reply With Quote Quick reply to this message
Old 12-13-2012, 02:54 AM   #8
Pappers_
Moderator
HBT_MODERATOR.png
Feedback Score: 0 reviews
 
Pappers_'s Avatar
Recipes 
 
Join Date: Jan 2009
Location: Chicago
Posts: 11,480
Liked 865 Times on 622 Posts
Likes Given: 1921

Default

Sorry to hear about your husband's illness, BobbiLynn.

__________________
http://www.singingboysbrewing.com
Pappers_ is offline
 
Reply With Quote Quick reply to this message
Old 12-13-2012, 03:08 AM   #9
bottlebomber
Feedback Score: 4 reviews
Recipes 
 
Join Date: Apr 2011
Location: ukiah, CA
Posts: 14,246
Liked 2640 Times on 2068 Posts
Likes Given: 290

Default

This may not be what you need, but get your mom a vegetable juicer. I've been juicing every day for the last 6 months or so, and I can hear, see, smell and taste better and have twice the energy that I did. My wife who has had serious problems with fibromyalgia and CFS has been working 10+ hours a day 6 days a week (I'm not slave driving her, she's doing something she loves). It may sound like an infomercial, but I am convinced that drinking beet, carrot and spinach juice is the single most important thing you can do for your health outside of exercising. And yes, I have even heard of cancer being treated and beaten using this and other techniques. And keeping a positive attitude! I'm sorry your mom has to go through this, but at least she has good and supportive family, and that is a lot.

__________________
bottlebomber is offline
 
Reply With Quote Quick reply to this message
Old 12-13-2012, 09:41 PM   #10
BobbiLynn
Feedback Score: 0 reviews
Recipes 
 
Join Date: Nov 2012
Posts: 2,951
Liked 791 Times on 539 Posts
Likes Given: 389

Default

Quote:
get your mom a vegetable juicer
Actually a very good idea. Might be times when she can't have solids, but does not mean you have to starve!!! And easier for her to have a high calorie/high nutrient drink instead of trying to down a meal.

Also "Ensure" nutrition drinks, she'll need to keep her weight/nutrition up to get through this. They get to be expensive so go to churches, ask them to deliver some to her house. They will, none will turn you down if you just ask. Doesn't matter that you never in your life went to that church. Tell them your situation and tell them exactly what you need. Don't ask for money, ask for what she needs, they will give it to you. It's a humbling experience... you can't do it all by yourself so don't even try, otherwise you'll be in the grave before she is.

Oh, thanks, Pappers.
__________________
BobbiLynn is offline
 
Reply With Quote Quick reply to this message
Reply


Quick Reply
Message:
Options
Thread Tools


Similar Threads
Thread Thread Starter Forum Replies Last Post
You'll Have Health Insurance and Like It..... Aubie Stout Debate Forum 1956 05-09-2013 12:19 AM
Thank god for insurance... jmendez29 General Chit Chat 10 09-28-2011 06:30 PM
Do I need insurance for my nanobrewery? Jumbo82 General Beer Discussion 6 06-02-2011 02:09 AM
Any car insurance guru on here? maxamuus General Chit Chat 9 12-13-2010 11:17 PM
Pet insurance NitrouStang96 General Chit Chat 27 06-25-2008 03:55 PM