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Topic: How has COVID-19 affected your financials and/or insurance(s)?

Forum: All things COVID-19 or coronavirus —

A place to discuss the impact of COVID-19 (Coronavirus) on you and the ones you love.

Posted on: Mar 30, 2020 11:32AM - edited Apr 21, 2020 10:18AM by Moderators

Moderators wrote:

With many people being furloughed, laid off or simply not having work, share with us questions, experiences, concerns for our editorial team to help answer in a podcast with experts from Triage Cancer.

Thank you, and we hope we can help answer some questions!


Here is the podcast and transcript: COVID-19 Insurance and Financial Issues for People With Breast Cancer Joanna Morales, Esq., CEO, Triage Cancer

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Posts 1 - 14 (14 total)

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Apr 1, 2020 09:52AM Moderators wrote:

Bumping.

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Apr 8, 2020 06:47AM pesky904 wrote:

When I was first diagnosed in 2017, my husband had just left (and I was on his health insurance for the later part of our marriage as my job was freelance). I took a big risk and moved states, thinking, "Oh, I'll be okay for a little while without insurance until I get settled."

Risk didn't pan out, as I was diagnosed within six months of the move. So I moved back to my home state, one of the only states where I was able to get free healthcare.

I went through 22 straight months of treatment, including neoadjuvant chemo, surgery, chemo/radiation, oral chemo, more surgery. I am still being treated for a multitude of debilitating side effects. I had always planned to find a job with benefits once I felt better. My freelance work doesn't pay enough for me to live on my own in the state where I can get health insurance, and it doesn't pay enough for me to afford health insurance in a state where I could afford rent. Right now, I am luckily staying with family but in suboptimal living conditions where I sleep in an unfinished room in their basement.

I'm still considered high risk due to several issues from treatment, including low white blood cells and very, very low vitamin D levels. The longer this pandemic goes on, the longer I have to stay here as my non-urgent (i.e. not for active cancer) appointments have been understandably postponed, and the longer my ability to find a new job is put off due to being immunocompromised during this very uncertain time. Even if I can interview via phone or video chat, I'm not yet at a point where I could safely enter a new environment. I am just praying that after social distancing restrictions are eased and I'm deemed healthy enough to be in a work setting around lots of coworkers, the economy will not be completely devastated and I'll still be able to find a job.

I think many people have found this time difficult, but many of us were already experiencing reduced ability to do many things and now it's only gotten worse.

​dx 6/17 stage III TNBC 6cm tumor Taxol 7-8/17 tumor grew to 10cm AC 9-10/17 tumor shrunk to 3cm DMX 11/17 expanders placed Rads 33 doses + cisplatin 1/18 Cisplatin discontinued due to SEs Xeloda 4-10/2018 Exch surgery 11/18
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Apr 8, 2020 07:58AM NancyD wrote:

Financially, my IRA took a $30,000 loss. I am retired and that IRA is my backup for when my Social Security and freelance income don't cover my monthly bills (pretty much half the year). Being over 65, I am on Medicare, and my medication costs are only $10 every three months (so far). I have a dollar amount in the back of my head that will trigger the sale of my townhouse if my IRA falls to that amount. I've told my children one of them will have to make room for me then (lol).

Right now my son lives with me, so I'm not alone. But he has been something of a financial drain. It's kind of a toss up between his help and his monthly food intake, and I think his food bill is winning. But in this very uncertain world, there's no place else for him to go.

He had a very well-paying job that he hated. He had an offer from another job so put in his two weeks notice just before the shit hit the fan with the COVID-19 crisis. The potential job is now on hold and son doesn't have any income. He's paying some expenses with savings that he had hoped to use to get his own place. It means he will be here even after the crisis has passed and he starts the new job, as he will have to build up his savings again.

I was trying to reduce my expenses late last year. I told my daughter she had to buy my second car that she was using and to start looking for insurance. Then she lost her income with the shut down of non-essential businesses. At least her husband is an essential worker, and they are living with his family, so I don't worry about their ability to cover necessities, but the car insurance is cheaper as my second car rather than in her name, so it remains status quo.

I have it a lot better than some, so I am not complaining, just looking at how my situation has changed in the last three months. I have a comfortable home and enough toilet paper to get me through to May.

Smile

Life is good. It's not perfect. but it's good. Dx 2/22/2008, IDC, Left, Stage IIIA, Grade 2, 4/10 nodes, ER+/PR+, HER2- Chemotherapy 3/22/2008 Adriamycin (doxorubicin), Cytoxan (cyclophosphamide), Taxotere (docetaxel) Surgery 7/11/2008 Mastectomy: Left; Prophylactic mastectomy: Right Hormonal Therapy 9/1/2008 Arimidex (anastrozole) Radiation Therapy 9/5/2008 Breast, Lymph nodes Surgery 1/28/2010 Reconstruction (left): DIEP flap; Reconstruction (right): DIEP flap
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Apr 10, 2020 02:09PM proudtospin wrote:

so far, all is ok. I am living on social security and withdrawal from my roth ira. My insurance is pretty good, Medicare with a supplimental. I am doing chemo at sloan, very close to my house. The worry of course is if I were to catch the virus, well I live alone and family is outof state. I am stage 4 anc treatment is just that, treatment not cure.

I have a network of pals that help me out but while scary, I know i am lucky as i have the financial resources to carry on. Doing what i can to reduce my risk

iris Dx 6/2008, DCIS, Stage 0, ER+ Dx 2/2017, Left, Stage IV, metastasized to bone/liver, Grade 3, 1/1 nodes, ER+, HER2+
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Apr 12, 2020 03:27PM Togethertolearn wrote:

lost my little job and can't get unemployment

Diagnosed 2019, age 45. Dx 4/2019, Right, <1cm, Grade 3, 0/2 nodes, ER+/PR+, HER2-
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Apr 13, 2020 06:00AM MissouriCatLady wrote:

Together to learn, I'm sorry. They are announcing layoffs this week where I work, I more than likely will join you. Our son was laid off a few weeks ago and is having great difficulty getting through to the Kansas Unemployment office. He applied online and they had a question and asked him to call. I have heard on the news getting through is a great problem in many states. I was looking online this morning and wondering what the best online job searchs are, besides our local unemployment office, which is not open to the public right now. Best of luck to you. Hugs, Lisa

diagnosed at 55, DX 10/17/18 IDC Left IIB grade 3 0/2 nodes ER+PR-HER2+, 11/7/18 TCHP, 4/4/19 Left Lumpectomy, 4/29/19 anastrozole (name-brand at CVS with a GoodRX coupon), 6/3/19 Rads, HP done 1/8/20, complete response to neoadjuvant therapy Dx 10/17/2018, IDC, Left, 2cm, Stage IIB, Grade 3, 0/2 nodes, ER+/PR-, HER2+ (IHC)
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Apr 13, 2020 08:56AM Salamandra wrote:

Hey Togethertolearn,

I'm so sorry!

A lot of neighborhoods have Mutual Aid groups where you can request help - including cash, but also other needs. They may also have help finding new jobs - there is some new work being created also - if that is something you're able to do. Here is a possible starting point: https://itsgoingdown.org/c19-mutual-aid/

You can also try googling covid19 mutual aid and the name of your area.

Dx at 39. 1.8cm. Oncotype 9. Dx 9/19/2018, IDC, Right, 1cm, Stage IA, Grade 2, 0/3 nodes, ER+/PR+, HER2- (FISH) Surgery 10/18/2018 Lumpectomy; Lymph node removal: Sentinel Hormonal Therapy 11/1/2018 Tamoxifen pills (Nolvadex, Apo-Tamox, Tamofen, Tamone) Radiation Therapy 12/3/2018 Whole-breast: Breast Hormonal Therapy 12/19/2019 Fareston (toremifene)
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Apr 13, 2020 01:19PM PAKNC wrote:

What is currently the top issue for me is that I wanted to get everything done this year because I have a deductible and have met it. If I now have to delay treatment into 2021, it is going to cost me a lot more because my deductible will reset.

Diagnosed at 56. Did active surveillance in clinical trial + Tamoxifen for 6 months, cryoablation in 02/21 due to DCIS progression. Stopped Tamoxifen, per provider's ok - turned prediabetic, poor responder. Weighing AI options. Dx 3/23/2020, DCIS, Left, Stage 0, Grade 2, ER+/PR+ Dx 5/29/2020, DCIS, Left, Stage 0, Grade 2, ER+/PR+ Hormonal Therapy 6/30/2020 Tamoxifen pills (Nolvadex, Apo-Tamox, Tamofen, Tamone)
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Apr 13, 2020 01:24PM bcincolorado wrote:

I am on SSDI and DH is also as well. We have not drawn on our retirement yet but I made the mistake of looking at it. We lost $20K in my retirement alone. I won't open any others. Too scary right now. We are eating cheap as we can right now to save money and food and save all money we can in secure accounts that won't lose any money unless we spend it. Since we can't go anywhere it is building.

Dx 8/2009, IDC, Left, 5cm, Stage IIA, Grade 1, 0/2 nodes, ER+/PR+, HER2- Surgery 1/7/2010 Lumpectomy: Left; Lymph node removal: Left Hormonal Therapy 1/15/2010 Tamoxifen pills (Nolvadex, Apo-Tamox, Tamofen, Tamone) Hormonal Therapy 1/30/2016 Femara (letrozole)
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Apr 21, 2020 10:17AM Moderators wrote:

Chiming in here to make sure you saw our relevant podcast and transcript: COVID-19 Insurance and Financial Issues for People With Breast Cancer Joanna Morales, Esq., CEO, Triage Cancer

Please let us know what you think, and if you need additional answers that we could help retrieve.

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Jun 3, 2020 12:16PM Jase_Rimmer wrote:

Covid-19 and resultant lockdown have affected many people who lose their earnings.Your earnings stop but expenses don't and there the trouble starts. How to go about day to day life without financial means becomes Herculean question.

Many a people are overdrawn and not much savings. Such people are most in trouble.

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Jun 26, 2020 05:36AM Schediasm wrote:

I still have left but with the pandemic infection rate increasing again, I don't know when will it last.

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Jun 26, 2020 05:56AM Moderators wrote:

Jase and Schediasm, we are sorry you have to be here but wanted to send you a big warm welcome to the BCO Community. Please let us know let us know how you're doing and if there's something we can do for you.

Best wishes,

From the Mods


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Sep 23, 2020 06:45AM Osculate wrote:

We have saved up that will last until next month but if this goes longer than next month then looks like I have to sell one of my cars which is really sad.

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