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Topic: Anyone not have health insurance? I have a question.

Forum: Not Diagnosed But Worried —

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Posted on: Dec 3, 2019 10:03AM

Giraffeattack wrote:

i went to the appointment with the surgeon. He did a physical exam on my boobs and got the right one to have the clear discharge come out a little bit. He said the mammogram and ultrasound findings were very vague and that i needed an MRI and ductogram to get a clearer picture of what is going on.

He sent his nurse in and she said she knew my mammogram was paid for by race against breast cancer and asked if i had any other insurance and i said no, but i did get the reference number for earlydetectionworks (not sure if just in my state, but basically they say they will pay for ALL diagnostic tests for breast cancer. If that just means mammogram and ultrasound i dont know and their website isnt clear about it and getting someone on the phone is nigh to impossible.)

Then the nurse said "oh, i guess ill try and figure something out so we can get you in for the mri, you want it sooner rather than later, right?" Then she said she would call me back after lunch (my appt. Was at 10:15). She wrote down my name and try mri on a post it note and asked for my phone number.

No one called me at all yesterday about setting up the MRI and i am just wondering if i can't get it because earlydetectionworks doesn't cover that and i don't have any insurance, but i dont want to call and ask, because i figure they are very busy there. Maybe thats also why they havent called back yet.

How long should i wait to call them back and ask about it and also, since i dont qualify for medicaid or whatever in my state (have to have children, be disabled, or over 65) is there any other way i can get this done?

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Dec 3, 2019 10:48AM Yogatyme wrote:

it’s very possible that she had trouble getting through on the phone and with yesterday being the first work day after a holiday, they may have been even more busy than normal. I think waiting until Wed or Thurs is reasonable, but you certainly could call any time. Surely they understand the importance. I hope you hear from her today

Yogatyme Surgery 3/3/2019 Prophylactic ovary removal Dx 7/19/2019, IDC: Papillary, Right, <1cm, Stage IA, Grade 2, 0/5 nodes, ER+/PR+, HER2- Surgery 8/13/2019 Mastectomy: Left, Right
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Dec 3, 2019 10:57AM santabarbarian wrote:

In the event that there is not coverage... you can get one on your own. Shop around. Negotiate. Some hospitals are non profit so they won't hound you for payment or will let you pay in installments.

You should be able to sign up for an Obamacare plan right now...

I agree w yogatyme's advice just thinking ahead in case.

pCR after neoadjuvant chemo w/ integrative practices Dx 7/13/2018, IDC, Left, 3cm, Stage IIB, Grade 3, ER-/PR-, HER2- (FISH) Chemotherapy 8/12/2018 Carboplatin (Paraplatin), Taxotere (docetaxel) Surgery 12/27/2018 Lumpectomy: Left Radiation Therapy 2/11/2019 Whole-breast: Breast, Lymph nodes
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Dec 3, 2019 11:47AM - edited Dec 3, 2019 11:48AM by Olma61

open enrollment for Obamacare ends on December 15th so if you need to go that route, you have to act quickly.

Being uninsured with a health problem does not qualify as a reason to apply outside the enrollment period, unfortunately

10/30/2017 Xgeva for bone mets 5/31/2018 Taxol finished! "If one just keeps on walking, everything will be all right” - Kierkegaard Dx 8/3/2017, IDC, Right, 2cm, Stage IV, metastasized to bone, Grade 2, ER+/PR+, HER2+ (IHC) Targeted Therapy 10/28/2017 Perjeta (pertuzumab) Targeted Therapy 10/28/2017 Herceptin (trastuzumab) Chemotherapy 10/29/2017 Taxol (paclitaxel) Hormonal Therapy 5/14/2018 Arimidex (anastrozole) Radiation Therapy 5/29/2019 External: Bone
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Dec 3, 2019 12:12PM muska wrote:

Depending on what state you are in - it varies from state to state greatly - and also on your finances you might qualify for free care in your state. Please explore this option too.

Dx at 54 Dx 5/9/2013, DCIS/IDC, Right, <1cm, Stage IIIA, Grade 3, 7/11 nodes, ER+/PR+, HER2- (FISH) Surgery 6/12/2013 Mastectomy: Left, Right; Reconstruction (left): Tissue expander placement; Reconstruction (right): Tissue expander placement Dx 6/13/2013, LCIS, Both breasts Chemotherapy 7/24/2013 AC + T (Taxol) Surgery 2/19/2014 Reconstruction (left); Reconstruction (right) Hormonal Therapy 3/11/2014 Arimidex (anastrozole) Radiation Therapy 3/22/2014 Breast, Lymph nodes, Bone
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Dec 3, 2019 12:25PM Giraffeattack wrote:

So the nurse just called me and said i need to call early detection works and get another reference number so the mri and ductogram are covered by them. I am going to try and get obamacare because i dont qualify for my states medicaid insurance since i dont have children, am not disabled or over 65.

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Dec 3, 2019 02:42PM Giraffeattack wrote:

so i tried to enroll in obamacare "marketplace" insurance and because my job offers insurance (that i also can't afford) i don't qualify for any subsidies or credits or anything. Cheapest plan is 375 a month which is just not affordable for me at all. I don't know why they think if i couldn't afford 100 a month for insurance through my job that i will be able to afford 375 a month for insurance on the marketplace. Overall, today has been a disappointing lesson that i need to either move to another state or get a 3rd job on top of the other 75 hours a week i work. Feelsbadman.

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Dec 3, 2019 10:53PM santabarbarian wrote:

do the one through your job if you possibly can. Maybe your cancer center has a social worker who can help you find stipends. Treatment is very expensive, way way way more than $375 a month! You will need the coverage.

pCR after neoadjuvant chemo w/ integrative practices Dx 7/13/2018, IDC, Left, 3cm, Stage IIB, Grade 3, ER-/PR-, HER2- (FISH) Chemotherapy 8/12/2018 Carboplatin (Paraplatin), Taxotere (docetaxel) Surgery 12/27/2018 Lumpectomy: Left Radiation Therapy 2/11/2019 Whole-breast: Breast, Lymph nodes
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Dec 4, 2019 01:27PM HersheyKiss wrote:

For many companies, December is their insurance open enrollment period. Please sign up for coverage if you can. Your HR department should be able to assist you with enrollment in the best plan depending on your individual circumstances.

Dx 3/1/2017, ILC, Left, 2cm, Grade 1, 3/16 nodes, ER+/PR+, HER2-
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Dec 4, 2019 02:47PM Giraffeattack wrote:

Well earlydetectionworks called me and said they dont cover mri or ductogram. Just biopsy. The hospital complex that i was going to is the only one in the area and only offers financial assistance AFTER you rack up all the bills. And that's a maybe at best. My jobs open enrollment for insurance ended nov. 22 and i couldnt even afford it anyway. All the marketplace plans are double what my jobs plans cost so i am out of luck. Guess i will just never find out what is actually wrong with my boob.

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Dec 4, 2019 06:26PM santabarbarian wrote:

IDEAS:

-Sign up with obamacare, and you can drop it in one month or two months, after your tests come back-- if you find out it's nothing. If you do have a problem, You can't afford NOT to have insurance. My chemo was about $60K per infusion! $700 seems a lot better....

-Self pay the MRI... might be about $900 (I believe?) if you phone around to find a good center.

But I worry you might not have time to do this and THEN get insurance. So I think getting it secured is very important. You can use your first insured month to get a pap smear, flu shot, etc. LOTS of preventative care is free on Obamacare. Then if it's all a big nothing, drop the insurance if you must.

pCR after neoadjuvant chemo w/ integrative practices Dx 7/13/2018, IDC, Left, 3cm, Stage IIB, Grade 3, ER-/PR-, HER2- (FISH) Chemotherapy 8/12/2018 Carboplatin (Paraplatin), Taxotere (docetaxel) Surgery 12/27/2018 Lumpectomy: Left Radiation Therapy 2/11/2019 Whole-breast: Breast, Lymph nodes

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