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Feb 21, 2021 01:21PM
Thanks everyone !!!! You have been a great help, and I hope this Thread can help others too.
I mentioned that I have had COBRA insurance (continuation of the employer plan I had when working) for the last 18 months, since I stopped working. All this discussion began when I found myself having to find health insurance for when the COBRA expires and before Medicare kicks in----- July thru Dec. 2021. I think I have found an individual plan thru the Marketplace, aka Obamacare. I was told I will have to use Obamacare, no choice. Pre-existing condition situation, I guess. For the State of Illinois we only have 2 insurance companies to choose from in the Marketplace-- Blue Cross and Health Alliance. Then several plans within those companies with various price ranges. I have reviewed the premium costs, deductibles, max out of pocket costs, meds covered (current meds and plugged in some names of future meds that we discuss on BCO for possible next line therapy), and if my providers are in network. Cancer center (which is out of State) is still iffy, in my opinion. They say they are in network- contract with State of Illinois, but insurance company says not. I guess I trust the cancer center's word.
So, first hurdle is getting the individual plan to cover the last 6 months of this year.
Next, I will review this Thread, all your posts and links, and start research on next hurdle--- Medicare, Advantage Plans, Supplements, and Drug Plans. Open enrollment is in October, right? To start coverage in Jan. So I have some time to research and make calls. I want to have my ducks in a row for when I need to enroll.
Keep the posts coming if anyone has any more info. Good discussion.
Found mets on CT for unrelated issue. I only had 2 treatments with IV chemo for the Stage II, then found Stage 4 and switched to hormone therapy/targeted therapy. I consider myself de novo. Xgeva use for bone mets. Liver bx Apr 2021 shows ER- now.
6/2017, ILC/IDC, Left, 3cm, Stage IIB, Grade 3, 0/1 nodes, ER+/PR+, HER2-
7/11/2017 Lymph node removal: Sentinel; Mastectomy: Left
9/2017, ILC/IDC, Stage IV, metastasized to bone/liver, 0/1 nodes, ER+/PR+, HER2-
11/1/2017 Femara (letrozole), Zoladex (goserelin)
11/1/2017 Ibrance (palbociclib)
4/2021, ILC/IDC, Stage IV, metastasized to bone/liver, ER-/PR+, HER2- (FISH)
9/4/2021 Zoladex (goserelin)