Hi- I have not posted on here in ages. I was diagnosed with stage 2 BC 4 1/2 years ago, and I found a new lump last year, and it showed up on an ultrasound, but a breast biopsy found out it was benign, and they are following it.
I know this is last minute, but I have a Blue Cross medicare plan F plan, and I was going to switch to a cheaper plan last year, but an insurance agent in Chicago who only deals with health insurance who I have dealt with before, said that because of my history of breast cancer, I would have to go through underwriting, and they would either deny me or jack up my rates, and he told me to keep the plan I have. I love the plan F, because once I pay the $200 in premiums, it pays for anything else except for eye exams. I could switch to a medicare advantage plan though, and I would not have to go through underwriting, and the lower premiums temps me, but I have been told that I would still have the $144 for part B taken out of my social security every month, and I would have to pay copays which I do not have to right now. Right now I go to see the oncologist twice a year, and my PCP twice a year, and I am supposed to go to my ophthalmologist once a year, but I haven't yet this year because of COVID.
I am also being followed by a urologist for blood in my urine. They found a complex kidney cyst last year, and it has grown a little bit, and I am going for another CT urogram for it. I am just worried that if it is something, which hopefully it is not cancer, that if I switch to an Advantage plan, that It will end up costing me way more than $200 a month extra I currently pay. On my last kidney ultrasound the radiologist just recommended that I have another kidney ultrasound in six months to a year. One of my sisters is an endocrinologist, and she showed my test results to two different kidney specialists in New Orleans, and they both say that this needs further testing. My urologist is only willing to order another CT urogram. Does anybody here have an Advantage plan, and also have lots of medical problems? Should I just keep the BCBS plan F I currently have?
5/13/2016, IDC, Right, 2cm, Stage IIA, Grade 3, 0/2 nodes, ER+/PR+, HER2-
7/17/2016 Cytoxan (cyclophosphamide), Taxotere (docetaxel)
10/24/2016 Whole-breast: Breast
12/15/2016 Femara (letrozole)
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