I'm glad I saw this thread. I can anonomously vent.
Background, my husband is a diabetic who had a massive coronary (LAD 100% blocked--code blue in er, emergency cardiac cath done, stent inserted) five
and a half years ago. He spent eight days in a CICU and 4 days in a step down unit. Six months later (approx) he had to have two smaller stents also
inserted (2 days CICU 2 days step down unit). Our total deductibles for 2009 was a little under 7k (and hospital, a non profit, gave us almost 3 yrs
to pay off what we owed). We had great, affordable insurance (thru his employer) for our (then--one son is off our insurance now) family of five.
As an aside, my husband spent 4 months on disability, and as his weakened heart prohibits some activities, he was given a lesser paying desk job which
he still holds.
Fast forward to 2015. From diabetes (and possibly the cocktail of meds he takes for his heart) husband now has kidney issues. I had to take him to
the er (end of September) for sudden fever, extreme flank pain (he has kidney stones) Spent hours in the ER (he took two drip bags of IV fluid; was
given an anti-nausea med; and a ct scan.) The bills are now rolling in.
As of today (more bills yet to arrive ) We will pay about $3900 for the ER visit (we are paying in total...because our "silver plan" more than twice
per month deduction from his pay more than we paid 5 years ago for BETTER coverage, has a $12,700 "out of pocket" we must pay BEFORE our coverage
And, we will get our (hefty) medical insurance information for 2016 on November 1st (mandatory bronze plan, here we come). I can't imagine how our
coverage can get worse.
I don't know how I'm going to pay this (how long will they give me?) and husbands follow up w/primary care doc found (on the CT) an enlargement of the
top (head?) of his pancreas. He wants to refer my husband to a specialist and a heavily recommended "dye" test be done. Husband said no. We cant
afford it. We have to pay the "next" $8800 "out of pocket" and that can't happen.
I just want to cry. Oh...and its "Pink October!" so I keep getting reminded of the mammogram I'm supposed to have (but can't afford)....and the flu
shots we are supposed to get (husband can got his at work); sons and I (I'm a retail worker--NO shot clinic for us peon's) are supposed to use (lol
!!) OUR INSURANCE coverage!!! Isn't that a hoot!!!
Yea ObamaCare! Woo hoo! Gotta love that hope and change!
edit on 20-10-2015 by Glinda because: Type