Over the weekend I got an e-mail from a lady who has no insurance, is scared to death and asked the most important question to her (and many others in similar straights): How do I pay for this (cancer meds)?
I wrote her a personal e-mail, but will share the highlights with anyone else who has such issues. First, few if any seriously ill patients do without their medicines, whether they can afford them or not. You are not going to languish with cancer while people with insurance laugh their way to the oncologist's office. However, in most cases, the health care folks and pharma people, sooner or later, want their money, so here are some tips I got from some financial help folks here in Augusta. And remember, one of the most depressing side effects of cancer is paying for it, even the deductibles, but this is not the time to duck and run. Like a real Warrior you should face this crisis just as you do the one playing out in your body
Your physician is the best place to begin. His office should know of programs and have a closer ear to the volunteer cancer organizations in your community. (Caveat: Notice I said their office, like the office manager or general adminstrator. Many physicians don't have a clue about financial aid.) Many oncologists do have an office manager who is trained in this kind of financial counseling. Ask for a private consultation. And do not forget to discuss this with the nurses. You might find them your best well of meaningful information.
If there is branch of the American Cancer Society near you, you should
call and ask what programs they might know are available, especially within
your community. Be sure to ask about clinical trials. If you are accepted for
one, treatment while on the trial is normally free. Also be sure to
inquire with the Kidney Cancer Society (just search Kidney Cancer Society/financial aid/counseling).
You might also contact the financial counselors at the major cancer
hospitals: Sloan-Kettering, M.D. Anderson, etc. You can find a fairly
exhaustive list on the Internet. To most hospitals it makes no
difference if you are their warrior, but if they can't help any other way and you are
close enough to use them as your primary care provider, you might agree to
move on over.
Below I have listed a number of top notch sites that have extensive
lists of financial providers from private foundations to government programs.
Social Security, depending on your age, amount contributed, etc. might very
well be able to help. Very much worth the call.
If you are on an oral chemo (sutent, nexavar, whatever), the
pharmaceutical company may also have financial aid or at least help
you with a more affordable price. Your pharmacist will have the contact
numbers. Oh, and the folks at the pharmas are not the money-grubbing three-headed monsters you may have read about in the media. If they can help you out, experience shows they will.
As I understand it, a company with a large pool of insured workers may
allow you onto their group policy, regardless of a pre-existing condition. You might therefore, consider changing employers, regardless of how you feel about your current employer.
You might ask your current employer if they can help you with your
treatments. Many large companies have programs for just this sort of thing, even if
you don't have insurance. But remember, most don't. Still worth the
conversation. Many HR people have great resources to help you.
This is going to be a paper wade, but if you do not have insurance you
have little other choice. It is also no time to be proud. My wife and I are
looking forward to retirement, but if I find myself without insurance
these medicines can eat up our liquid nest egg in less than two years. If that happens I
will beg in the streets.
I will continue to look into this, but this information should set you
on your way. And don't forget, financial aid is not one-stop shopping. Work
as many programs as you can. If you feel your oncologist is not giving you
at least a fair hearing and with your best interest in mind--FIRE HIM and
get somebody who will.
Last but certainly not least, regardless of how you feel or how invulnerable you think you are, arrogance over assumed good health (regardless of how much you work out, drink juices etc.) has reached the end of its road by the time you reach 50. If you don't have insurance now, get it if you can, even it means stretching the family budget more than you like. Insurance is expensive, but cancer (or any other debilitating disease) can not only kill you, but take every asset you have.
Good luck.
http://usgovinfo.about.com/library/weekly/aa061800a.htm
http://www.cancer.gov/Templates/doc.aspx?viewid=E2A4DCDC-236F-4117-B26C-1FF9B1D9846
http://www.robertsreview.com/additional_financial_help.html
http://www.cancersurvivors.org/Support/financial/financia.htm
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