Posted on: May 7, 2019 03:30PM - edited May 8, 2019 07:01PM by Moderators
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.
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Posts 1 - 8 (8 total)
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.
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.
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.
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.
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.
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