We are 219,609 members in 81 forums discussing 155,380 topics.

Help with Abbreviations

Topic: Financial barriers to getting reconstruction?

Forum: Breast Reconstruction — Is it right for you? Discuss timing and various procedures and techniques.

Posted on: May 7, 2019 03:30PM - edited May 8, 2019 07:01PM by Moderators

Moderators wrote:

Did you have financial (insurance) issues/barriers trying to get breast reconstruction? e.g. under-insured, couldn't afford? If so, we'd really like to hear your story, and what you may have done to overcome it.

If you feel comfortable, PM your contact information and we'll get in touch with you. Otherwise, please let us hear your story here.

Thank you for sharing! I

To send a Private Message to the Mods: community.breastcancer.org/mem...
Log in to post a reply

Page 1 of 1 (8 results)

Posts 1 - 8 (8 total)

Log in to post a reply

May 8, 2019 07:02PM - edited May 10, 2019 01:12PM by Moderators

Bump.

To send a Private Message to the Mods: community.breastcancer.org/mem...
Log in to post a reply

May 13, 2019 07:54PM Moderators wrote:

Bumping again, just in case.

To send a Private Message to the Mods: community.breastcancer.org/mem...
Log in to post a reply

May 14, 2019 02:52PM TWills wrote:

I'll share, I'm on my 4th year of treatment and reconstruction so that means 4 years of very high out of pocket deductibles and copays, $9000 each year plus my loss of income. It has affected us tremendously financially,our retirement plan will have to be revised and most likely have to downsize our home. I had no idea how complicated it would be and how timing with Dr's and surgeries could get so drug out. It's devestating and feels never ending.

Dx 11/2016, IDC, Left, 4cm, Stage IIB, Grade 3, 1/14 nodes, ER+/PR+, HER2- Surgery 12/13/2016 Lymph node removal: Left, Sentinel, Underarm/Axillary; Mastectomy: Left, Right; Prophylactic mastectomy: Right Chemotherapy 2/2/2017 AC + T (Taxol) Surgery 7/10/2017 Reconstruction (left): Tissue expander placement; Reconstruction (right): Tissue expander placement Radiation Therapy 7/31/2017 Whole-breast: Breast, Chest wall Surgery 8/27/2017 Hormonal Therapy 11/8/2017 Tamoxifen pills (Nolvadex, Apo-Tamox, Tamofen, Tamone) Surgery 3/2/2018 Reconstruction (left): DIEP flap; Reconstruction (right): DIEP flap
Log in to post a reply

May 16, 2019 08:20PM Moderators wrote:

TWills, we are really so sorry to read that this has happened to you. Have you spoken with your treatment facility to see if there would be any financial help?


To send a Private Message to the Mods: community.breastcancer.org/mem...
Log in to post a reply

May 16, 2019 08:31PM TWills wrote:

No I didn’t, I’m pretty sure I’m in the same situation as most. I fall into that middle category that typically would get much help. But who knows.

Dx 11/2016, IDC, Left, 4cm, Stage IIB, Grade 3, 1/14 nodes, ER+/PR+, HER2- Surgery 12/13/2016 Lymph node removal: Left, Sentinel, Underarm/Axillary; Mastectomy: Left, Right; Prophylactic mastectomy: Right Chemotherapy 2/2/2017 AC + T (Taxol) Surgery 7/10/2017 Reconstruction (left): Tissue expander placement; Reconstruction (right): Tissue expander placement Radiation Therapy 7/31/2017 Whole-breast: Breast, Chest wall Surgery 8/27/2017 Hormonal Therapy 11/8/2017 Tamoxifen pills (Nolvadex, Apo-Tamox, Tamofen, Tamone) Surgery 3/2/2018 Reconstruction (left): DIEP flap; Reconstruction (right): DIEP flap
Log in to post a reply

May 16, 2019 08:42PM Meow13 wrote:

Twills, I was also thinking about getting tax credit for spending so much on medical. It might be worth looking into, but tax laws changed so much. Also have you looked into other healthcare plans? I know it varies by state my aunt in New York was able to get much better plan after Obamacare. She pays alot less now. I think Texas is bad for healthcare I was talking with someone and found they pay so much more for the same plans in Washington state with 3x the deductible. Not sure about Florida.

Log in to post a reply

May 16, 2019 08:47PM - edited May 16, 2019 08:49PM by TWills

I'm pretty sure the out of pocket expenses are our own fault, I beleive we actually chose it:/ Husband works for a very large company and we have BCBS so you'd think it would be a bit better. He looked into the tax credit and I’m notsure how that worked out, I’ll ask.

Dx 11/2016, IDC, Left, 4cm, Stage IIB, Grade 3, 1/14 nodes, ER+/PR+, HER2- Surgery 12/13/2016 Lymph node removal: Left, Sentinel, Underarm/Axillary; Mastectomy: Left, Right; Prophylactic mastectomy: Right Chemotherapy 2/2/2017 AC + T (Taxol) Surgery 7/10/2017 Reconstruction (left): Tissue expander placement; Reconstruction (right): Tissue expander placement Radiation Therapy 7/31/2017 Whole-breast: Breast, Chest wall Surgery 8/27/2017 Hormonal Therapy 11/8/2017 Tamoxifen pills (Nolvadex, Apo-Tamox, Tamofen, Tamone) Surgery 3/2/2018 Reconstruction (left): DIEP flap; Reconstruction (right): DIEP flap
Log in to post a reply

May 16, 2019 08:58PM Meow13 wrote:

I have BCBS also I had my DIEP expensive surgery in 2012 at that time just had $10 copays and no deductible 100% coverage, now I think it is $2300 out of pocket per person maximum a year, $300 a person deductible, they pay 90% we pay 10% until the $2300 is reached then it is 100%. I miss the old plan we had it so good all those years. My son just had foot surgery we just paid $2300 and insurance paid the rest. I asked my husband about tax deductions now the standard deduction is higher 12k so we just do the straight forward standard.

Page 1 of 1 (8 results)