Tuesday, September 14, 2010
Still chemo day...even though it is after midnight
Chemo Day
Tuesday, September 7, 2010
Insured?
It is true, it seems like we still approach cancer with the sledge hammer approach...and it is a sledge hammer!
Insurance/ no insurance...they are both scary. I am in a trial where I receive chemo every two weeks instead of every three, because I give myself a shot for eight days between each round. The drug in the shots keeps my white cell count up, and without it I couldn't do chemo every two weeks. Oncologists are in agreement that every two weeks has a better outcome, but they have to "prove it" to the insurance companies. Many cancer patients are still on an every three week rotation because most insurance companies will not cover the shots. They are incredibly expensive, about $300 per shot. The drug company is financing the trial, in hopes that it will be proven that it is more effective. Then insurance companies will eventually have to pay for it. Many insurance companies will not allow you to enter the trial, (they say because it might effect your general health...and cost them more...and there is no "proof" that is any better than the three week regimen.)
There is a raging battle going on between drug companies and insurance companies, and their battle has left both patients and doctors on the bench, and slows down development of many therapies that maybe very viable but receive resistance from one or the other.
A friend came to visit whose father is an emergency room doctor. His dad was telling him that it is becoming very scary with doctors having to get "pre-authorization" for many drugs. A good example is a drug proven to stop nerve degeneration after one has broken their neck. Very powerful medication with life altering consequences. The drug must be given within a very short time after the neck break, but many insurance companies require prior authorization, and many hospitals require their doctors to acquire these prior auths before the drug can be administered. (Hospitals are under the threat from various insurances to no longer work with certain hospitals.) So break your neck in the middle of the night and before your insurance company can "pre-authorize" this drug, it is too late, you now have a life long disability. (Which is no problem for the insurance company because you are now on Medicare for the rest of your life.)
What to do? What to do? I would not want to be in the place to have to make decisions for anyone else, nor do I feel I can even advise anyone in this matter.
What I do know is that if you DO NOT have insurance, or if you have state or federal government insurance, your chances of receiving the best care are much better than if you have private insurance. And yes, these state and federal programs are “insurance” with a universal pool paying in. (That’s us.)
If it were up to me, I would make ALL insurance (except for inanimate objects, like cars and houses) illegal to sell or buy. No insurance on you health, or your life or your investments or you bank’s investments, or the insurance companies investments…etc., etc. Many say, “That would be the end of our economy.” But really, in the end, can the strength of our economy be our insurance?
So, my week has been lousy. Just as I was pulling out of the chemo crap, I got a nasty head cold, now in my lungs. VERY tempted to call in “sick” on Friday…”I have a cold…I can’t do chemo today…I’ll call you after I feel better.”
Love you all! Thanks for reading!