TREATMENT COSTS AND INSURANCE COVERAGE
I think its far too early to start worrying about what ifs. We don't know what the Senate will do, nor how the states will chose to handle pre-existing conditions. Nor what the marketplace will develop within any new legislation. The deductibles were difficult for many people to deal with.
I'm on Medicare. I have no idea what the changes will be that will affect coverage. I'm sure, however, that if I have to pay thousands for a treatment, it won't happen. I'm far more concerned about the young people who have this, and those whose disease(s) have progressed to the point where they can't work and can't enjoy their pastimes. I'll donate to research, instead, and hope for the best. Being almost 76, I have a luxury in that regard.
Connective Tissue disease already makes us ineligible for life and disability coverage......Tell your 20 something kids with families to get coverage before they get a diagnosis.
Wow, I just want to say how impressed I am that everyone is able to talk about this subject in a way that is not political or aggressive to each other but just sharing of concerns and ideas. I belong to several other online forums for the different autoimmune diseases and neurological disorders I have as well. This subject has gotten very ugly in those forums the last couple days including some name calling/offensive labeling, etc. I avoid those posts all together but I wish people could just share concerns (like this post does) and feel safe to do so. Anyway...nice job.
LOL Katy Harney-Johnson - we do not tolerate any ugliness here. One whiff of it and out they go! Zero tolerance. We get enough of that in our personal newsfeeds!
I would rush to get the most effective, longest lasting treatment I could.
I find this interesting ! Why would life insurance companies have this as being ineligible ?
Xxxxxxx Yzzzzzz have a look at all the exclusions. I think it's because of the higher risk of diabetes therefore heart attack, stroke etc. these were mentioned in the coffee talk on genetics with Prof Furniss
Going to call my life insurance company to get quotes for my daughters ... Will not mention DD
Just curious, In America if you have health insurance and you have treatments like RT does your health fund pay for it? What is your out of pocket cost? What happens to those hat are poor that Have no health insurance?
Xxxxxxx Yzzzzzz we have private insurance, medicare or medicaid. RT is covered by most major insurance carriers including medicaid. Out of pocket varies depending on the plan - it can be simply a $40 copay all the way up to thousands. Those who have no health insurance will likely not have access to RT. We have no wait for treatment. People who are insured can be seen very quickly. I should add that some physicians will treat a percentage of total patients treated as pro bono.
It sucks that in Australia I have access to Medicare plus I have top private Heath cover for Private hospitals & Top extra cover & my private Heath Insurance will pay nothing, because RT is done as an outpatient & not in hospital, Medicare I believe will pay $1300ish towards the RT that will leave me $2000+ out of picket
They won't pay because its out patient?
I believe Leslie meant, those without health ins will have access but will have to pay in full on their own.
Why don't you check to see if you can have it done in a radiation oncology department that is in a hospital setting as an outpatient. I had a similar situation here in the US where there was a 30% coinsurance applied because I was an outpatient in a hospital setting where as it paid 100% in a standalone radiation oncology center not affiliated with the hospital. All very confusing but worth it to wrap your brains around if you're trying to save several thousand dollars
I will investigate, but waiting lists in some hospitals for "elective surgery" is many months or years, my brother got a call back about his Hernia 18 months later.....ridiculous
Interesting, the difference between what we hear about Australia's ins vs what you are saying.
dawn I went to a RO at a public hospital in Sydney and its free 100% bulk billed on medicare
Ruby, how did you arrange it? Did you have to be referred to them by a GP or specialist? Or do you just ring and make an appointment? How long did you have to wait?
I got my gp to refer me to the hand specialist Stuart Myers who is also based at prince of Wales - he did the 2nd referral to the RO who was professor Jackson at the public hospital which is another building on the same block