Maggie Nell wrote:I will offer you my opinion, which used to earn me $200 per 50 minutes (and, no, I wasn't a 1-800 psychic).
Keep your family unit together and relocate
This suggestion might be ease in theory but more difficult in actuality.
The medical insurance market in the United States is fragmented and not equitable.
Many insurance plans are not applicable/or do not transfer across state lines.
If Nik is covered by her husband's employer-provided health insurance, he would need to remain employed by the company in order to keep health insurance benefits active. Moving to a new state and keeping his current job or finding new employment may not be feasible for Nik's husband.
If Nik is covered by health insurance provided through the marketplace, the policy will likely have strict local provider limitations. Out-of-network care most often comes at a steep price that is out of range of an average family - a $15,000 deductible for out-of-network care with a 50% co-pay on all itemized expenses is not unheard of.
If Nik is covered by SSDI and Medicare, she still likely has a 20% co-insurance payment. People who are under 65 years of age are hard-pressed to find a Medicare supplemental policy to cover the 20% not paid by Medicare. Few policies exist and those that do have monthly premiums in excess of $1,000 a month.
If Nik is covered by MediCaid, her state of Minnesota would likely her guardian provider. She may not be able to get care outside of Minnesota is she has state-based MediCaid. States receive a block grant from the federal government to provide MediCade services to all need-based individuals.
The health care system in the United States is complex and complicated . . . and more so if you have a serious, life threatening illness. Not all treatment options are available to everyone on an equal basis, and this limitation applies not only to cancer but to almost all serious illnesses and conditions.
- Karen -
Dear friend to Bella Piazza, former Colon Club member (NWGirl).
I have a permanent ileostomy and offer advice on living with an ostomy - in loving remembrance of Bella
I am on Palliative Care for broad endocrine failure + Addison's disease + osteonecrosis of both hips/jaw + immunosuppression. I live a simple life due to frail health.