Postby Steve Marethyu » Mon Jul 04, 2016 2:11 pm
At 24, you might be able to be covered by your parents policy. I don't know the specifics, but I know it was mentioned that there was an extension to 25 or 26. However, you might have needed to maintain coverage. It's at least worth checking. Also, you can get insurance if you have a major life event. It would be at least worth checking to see if you qualify to get covered. If you have cancer, you will want to have insurance. I don't know if they'll cover you immediately, but the sooner you have coverage the better. Cancer is expensive with insurance, so not having it is a real risk.
I actually lowered the level of my insurance at work two years before my surgery. I figured there was no reason to pay an extra $30 a month, since I was young and relatively healthy (not weight-wise, but I didn't get sick often.) Turns out that the decision cost me an extra $2,400 in out of pocket expenses, to save $360 a year.
All that said, get the colonoscopy. You also don't need to assume it's cancer, but it's best not to let it wait. I ignored rectal bleeding for about 6 months (maybe longer, I don't remember.) If you have cancer, catching it now is best. If you don't, you'll have the piece of mind to know that it isn't.
Re: timing of the colonoscopy. I would go more on the quality of the doctor, than on who will do it soonest. I chose the first doctor who would take me on short notice, and it eventually caused serious problems when he misdiagnosed the location of the tumor.
Dx Stage I rectal; 19 lymph nodes clear; age 28.
APR in 1/08; no chemo
Lung met 5/11: VATS 7/11
Folfox/Xelox 9 times; Avastin (1 dose, major bleeding);
13 & 14- Sacrum met, trad. radiation & proton
4/14- severe neuropathy right leg
1/16-4/17- 6 rounds folfiri; Lots of 5-FU/Av
8/17-6/18- Irinotecan and erbitux; severe, unpredictable diarrhea
16 month chemo break, bc I needed it
10/19- multiple, bilateral lung mets; largest ~7.5 cm; persistent cough
11/11/19- resuming Irino and erb and dreading it.