Questions about Health Insurance

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Posts: 305
Joined: Tue Dec 20, 2016 8:48 pm
Location: Florida

Questions about Health Insurance

Postby Rikimaroo » Tue Aug 13, 2019 5:42 pm

So I currently have Myblue HMO with BCBS...Through as I own my own business and its more cheaper, but a hell of a good plan, myblue Silver, i pay $200 a month for it. It's actually really great. The only downfall is that it doesn't cover out of state, it doesn't have the bluecard option.

My surgeon after reviewing my MRI this week, suggested I go to Cleveland Clinic in OH to see Dr. Scott Steele to get surgery and IORT (intraoperative radiation) and this is the best chance for cure. I currently go to Cleveland Clinic Weston, FL....I live in Florida. I am waiting for the CC OH people to call me to see if we can work something out with the insurance giving the nature of the situation being a medical emergency and see if they will work with them.

Anyone ever dealt with this and have any tips to tip the scale in my direction on going out of state and getting in network coverage?

Here is a link to the plan

RC T3N1M0 12/16
MSS - NRAS Mutation
Chemo Rad, CCR - W&W 5/2017
Recurrence 11/2017
CT Scan 11/2017 Liver Met 5.5cm Stable, Stage IV
Port Scheduled for 12/2017, folfox - avastin 12/2017
LAR/Liver Resect 4/2018
Chemo Finish 8/2018
Reversal 10/18
CEA highest 500, lowest .8 throughout process, waiting for latest
Recurrence left vesical/pelvic sidewall - 10/7/2019 resect perm bag,
FolFiri 11/6 - 5 rounds
CEA rise Feb/May 3.7, 8.8, 30, Recurrence in Pelvic
Maintenance Chemo begin 6/3/20 FolFiri

Posts: 98
Joined: Sat Apr 14, 2018 8:46 am

Re: Questions about Health Insurance

Postby margiej » Tue Aug 13, 2019 7:41 pm

I, too, have insurance with While looking for some other info on my insurer's website, I found that if a certain critical treatment weren't offered in my network, I could go another clinic and still be covered. In my case, they would allow me to go to Mayo Clinic for specialized treatment. Otherwise, I generally have no coverage out of network. Perhaps, the place to start is with your Florida insurer and see if something is available to you for specialized treatment.
Wishing you all the best,
Dx CC 12/2015, age 57 at Dx
Stage IIIb: T3N1b
Adenocarcinoma, sigmoid colon, 2.5 cm - low grade, moderately differentiated
3/6 positive lymph nodes
laparoscopic colectomy 1/20/2016
Capox started 3/4/16 - Six rounds
CT-suspicious lymph 2/22/16
PET scan 2/24/16 clear
CT 6/8/16 clear
Clear Colonoscopy 3/2017 and 1/2020
CT 10/3/17 clear
CT 10/17/18 clear
CT 10/17/19 clear
CEA 12/17 1.7
5/16 3.8
7/16 1.9
3/17 1.3
10/17 1.2
4/18 1.6
11/18 1.2

Posts: 114
Joined: Sat Oct 21, 2017 1:34 pm

Re: Questions about Health Insurance

Postby retiredteacher » Sat Aug 17, 2019 11:42 pm

Hi - not out of state, but out of network here in Northern California. My oncologist spoke with a review physician to get the approval for out of network coverage. Took some time. Try to get a nurse case manager to help walk things through.
RC F 63 9/17
Adeno 7 cm MSS G2 PET
2.5K Cap/RT x 25
"Near complete response" PET 1/18
CEA 0.5 10/17, 0.6 10/18
MRI 2/18 yT2N0 12 cm fr AV 3 cm
LAR 2/18 yT1N0M0 0/21 G1 0.3 cm
CAPEOX 3/18, reduced to 80% at cycle 3
Completed 4 cycles; stopped, gut issues, liver enzymes
CT/ colonoscopy 11/18 NED
4/19 NED Sacral fractures/osteoporosis
"Caregiver" to the Iron Man
Hubby CRC Stage 3 2004 NED, Small Cell Lung Cancer Limited 2011 NED, Non-small Cell Lung Cancer 2019 NED October 2019

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