Home         Forums  

Go Back   Marrowforums > Practical Issues > Insurance, Finances, Disability, Veterans Benefits
Register FAQ Search Today's Posts Mark Forums Read

Insurance, Finances, Disability, Veterans Benefits Your finances, insurance, job issues, and veterans benefits

Reply
 
Thread Tools Search this Thread
  #1  
Old Wed Jul 22, 2015, 12:54 AM
JeriM JeriM is offline
Member
 
Join Date: Feb 2013
Location: Bay Area, CA
Posts: 14
Question How to Choose Insurance?

I have SAA in a watch and wait mode. I currently do not have insurance but need to find some asap since the future will no doubt be filled with medical bills. How on earth do you choose??? I have looked at Blue Cross, Aetna, etc. and the possibilities are numbing. Is it best to have high payments with low deductible, or?? Is it a problem if I need to move to another state? How long does it take for coverage to kick in? ANY info to help me through the maze would be hugely appreciated. I feel lost.
Reply With Quote
  #2  
Old Wed Jul 22, 2015, 09:33 AM
Marlene Marlene is offline
Member
 
Join Date: Oct 2006
Location: Springfield, VA
Posts: 1,240
You may want to find a broker who can help you navigate your options. High deductible is usually good if you don't anticipate needing it. Good prescription coverage is a must. Some of these med can be very expensive. We have a high deductible but also a health saving plan that we've been contributing to for a couple of years now and can draw on it to pay for medical expenses.

Also consider going to NIH for the initial treatment. I think if you participate in the clinical trial, it's paid for but you would have to check on that. But once you get home, it's on you.

Blood transfusions, meds, frequent doc visits.
__________________
Marlene, wife to John DX w/SAA April 2002, Stable partial remission; Treated with High Dose Cytoxan, Johns Hopkins, June 2002. Final phlebotomy 11/2016. As of January 2017, FE is 233, HGB 11.7, WBC 5.1/ANC 4.0, Plts 146K.
Reply With Quote
  #3  
Old Wed Jul 22, 2015, 02:19 PM
Neil Cuadra Neil Cuadra is offline
Owner
 
Join Date: Jul 2006
Location: Los Angeles, California
Posts: 2,349
JeriM,

Covered California, the state's Affordable Care Act insurance program, has pretty good options for health insurance, although you won't be able to enroll until the fall. There's an exception if you qualify for immediate enrollment after a "life event".

One of the most important features of this insurance is that you can't be denied coverage for pre-existing conditions.
Reply With Quote
  #4  
Old Fri Oct 28, 2016, 02:52 PM
bailie bailie is offline
Member
 
Join Date: Dec 2013
Location: McMinnville,OR
Posts: 825
The costs are enormous for these diseases. The bills to me and my insurance company are over $40,000 per month. Fortunately, our insurance has been great. It does get a person's attention. I have wondered what Medicare will cover once we leave our insurance carrier that we have now.
__________________
age 70, dx RAEB-2 on 11-26-2013 w/11% blasts. 8 cycles Vidaza 3w/Revlimid. SCT 8/15/2014, relapsed@Day+210 (AML). Now(SCT-Day+1005). Prepping w/ 10 days Dacogen for DLI on 6/9/2017.
Reply With Quote
  #5  
Old Fri Oct 28, 2016, 03:54 PM
Marlene Marlene is offline
Member
 
Join Date: Oct 2006
Location: Springfield, VA
Posts: 1,240
Margaret,

Are you able to participate in a clinical trial for eltrombopag. NIH was running one but I don't know the status of it. The Hep C may be problematic for a clinical trial but it may be worth checking just in case.

If you're on medicare now, I'm not sure you can switch to the ACA. But you can go to healthcare.gov to find out.
__________________
Marlene, wife to John DX w/SAA April 2002, Stable partial remission; Treated with High Dose Cytoxan, Johns Hopkins, June 2002. Final phlebotomy 11/2016. As of January 2017, FE is 233, HGB 11.7, WBC 5.1/ANC 4.0, Plts 146K.
Reply With Quote
  #6  
Old Fri Oct 28, 2016, 06:50 PM
Margaret W Margaret W is offline
Member
 
Join Date: Dec 2015
Location: Michigan
Posts: 31
Well, thank you... I confess that I want nothing to do with the ACA. I would sooner set up camp on an ice floe near Greenland with an ample supply of coffee yogurt and my Bible - not in that order! - and call it a life. This is all so anti-climactic to me and I can't get past that. As I say, I'm not upset. I'm cool (would be cooler on that ice floe, though! - ) It'll be 44 years on Nov. 7 since I was diagnosed with SAA and I'm just very tired.

Again, thank you, Marlene!

Margaret
__________________
Margaret, SAA patient diagnosed 1972; ATG 1987; moderate AA for years; hep. C from transfusion 1987; now SAA is back.
Reply With Quote
Reply


Thread Tools Search this Thread
Search this Thread:

Advanced Search

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

vB code is On
Smilies are On
[IMG] code is On
HTML code is Off
Forum Jump

Similar Threads
Thread Thread Starter Forum Replies Last Post
Insurance Information for each U.S. State Marrowforums Insurance, Finances, Disability, Veterans Benefits 0 Mon Aug 26, 2013 07:23 PM
Ontario Health Insurance Ann C Insurance, Finances, Disability, Veterans Benefits 3 Sun Dec 16, 2012 09:36 PM
Health insurance webinars, October 2009 Marrowforums News and Events 0 Fri Oct 2, 2009 01:49 AM
Insurance Denial for BMT Rose Shifflett Insurance, Finances, Disability, Veterans Benefits 1 Tue Jun 26, 2007 05:53 AM


All times are GMT -4. The time now is 10:58 AM.


Powered by vBulletin® Version 3.6.7
Copyright ©2000 - 2017, Jelsoft Enterprises Ltd.
Forum sites may contain non-authoritative and unverified information.
Medical decisions should be made in consultation with qualified medical professionals.
Site contents exclusive of member posts Copyright 2006-2016 Marrowforums.org