My Health Insurance is Risking My Life


Last month I used to be diagnosed with a melanoma inside my right eye. I had some vision blurriness, so immediately went to my optometrist. He spotted what he called a “freckle” in my eye, and gave me an emergency referral to an ophthalmologist.

The ophthalmologist diagnosed a “large melanoma” in my right eye. Dr. Google told my wife that survivability with a big melanoma in the attention is lower than 50% at five years. She fell apart. I used to be sent to an ocular oncologist and got in the following day. She diagnosed the melanoma as “small” — which is a function of the thickness, and said I even have a a lot better probability of long-term survival than we thought.

The really helpful treatment was a radiation plaque that’s sewn directly onto the eyeball. Everyone hurried. Two weeks after diagnosis I used to be within the operating room. Things needed to occur quickly because every day the danger of metastasis grew, and when that happens a foul final result is much more likely.

But, the proven fact that insurance firms are involved also increases my risk of a foul final result.

Other developed countries have a tough time understanding our healthcare system within the U.S. Here, we decided it could be a very good idea to place a for-profit entity — medical insurance — between ourselves and our medical care. As you may expect, that creates an enormous conflict of interest for the insurance firms. They earn money by collecting premiums from you, after which denying you coverage.

Listed below are two situations which have already happened with my current health scare. When my melanoma was diagnosed, the doctors all said “Every thing shall be covered.” I soon got letters from the insurance company reassuring me about coverage. (Incidentally, that is the most important medical insurance company within the U.S.)

Treatment involved installation of the radiation plaque in my eye, after which removal every week later. The installation went off and not using a hitch. The day before it was purported to be removed, the hospital called and said “Insurance hasn’t approved removal.” I said “Uh, what?”

So, we called insurance. They told us they need three weeks for such an approval. The hospital said I’d must sign a waiver to undergo with the surgery, indicating I’m financially responsible if insurance doesn’t pay. Insurance told me if we sign the waiver, then they will not pay because I indicated I’d pay.

The doctor told me “That source has to return out immediately, because it can destroy your vision if left in too long.” And, this was a regulated nuclear source in my eye that prohibited me from being around other people. So, I had no alternative but to sign it. And, just before the surgery — like literally an hour before as we were within the waiting room — insurance denied the surgery to remove it. If that seems insane, it’s. So, now we have to fight them. Just one other stress on this whole thing.

Second thing. My medical oncologist said a very powerful thing now’s to find out whether the cancer has spread. That actually is the largest think about whether I even have a very good final result or bad final result. He ordered a full body PET scan. Insurance denied it. They said “This melanoma was in his eye. We do not see a necessity to examine the remainder of his body.” Again, insane.

Actually, the girl checking me in for surgery to remove the plaque was originally from Canada. She said “I just don’t understand this technique. I pay for medical insurance every month, but I still must pay deductibles and copays? What’s that?”

I hate this technique with a burning passion. And I’m lucky. At the least I even have insurance. It’s hard to assume someone without insurance going through this.

I even have lived in Germany, Scotland, and the Netherlands. I even have directly experienced universal healthcare in these countries. What now we have within the U.S. is an abomination. 


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