LIVESTRONG:

And in June 2013 we are back in the revolving door of doctors, this time for my heart. So the focus has shifted, BUT... I continue to THANK YOU for your prayers, love & support. I receive them with open & loving arms. My wish is that I will gain strength from you, will provide strength to others & will help to strip away the fears we each experience.


LIVESTRONG: I am strong. I am loved. I am healthy. WE WILL WIN!

Have you or your loved one had their annual mammogram? PLEASE, don't put it off. Speaking from experience, I highly recommend monthly self exam as well.

WARNING:
Contents may be uplifting, sad, funny, scary, downright depressing ~ THAT IS CANCER .... at it's best, at its worst.

PLEASE ~ Feel free to share this blog with anyone who is interested to learn about my journey. While I welcome their support, I hope that by sharing this experience freely to the universe I may help to support others by breaking down some of the barriers and fear associated with breast cancer and the treatment.

Tuesday, December 4, 2012

Another Year; Another Increase

So the mail arrives yesterday and I have an "Important Notice" from my insurance carrier, Blue Cross. Of course you wonder, when an envelope is stamped as such, is it really important? Or is this more "junk"?
I open the envelope, and tears flow... along with some expletives. Yes, come February 2013, they are increasing my premium another $150 PER MONTH. That's $1,800 more each and every year. At least until next Februaryn when it will most likely increase again. For those who may not remember or be following along, that brings my premium up to $950/month - JUST FOR ME. And, I have a very high deductible

And I begin to wonder. How can cancer not be affecting this decision for Anthem Blue Cross to increase my premium a second year in a row. Last year the increase was by $100 per month. This just has a hint of discrimination to me. Someone who has always paid her premiums, always had health insurance, and been reasonably healthy all my life, until cancer.

So, after an hour wait on hold with Blue Cross (1/2 hour holding to get someone to answer, another 1/2 hour to wait once I was transferred), I get a very nice and calming rep named Fleta. Fleta explains that there are other more affordable plans I would normally be eligible for, but with my pre-existing condition (cancer), there is no way underwriting would accept a change. So I must wait until 2014 and hang in there and be patient. This is when pre-existing conditions will no longer be considered for insurance and plan changes.

She did a wonderful job of explaining everything, and seemed very understanding, a cancer survivor herself; but explained that even in January 2014, things may not change quickly and I may need to be patient again. Because you see, the millions of uninsured will then be flooding the system as well. But the age bands will change somewhat then too, and that will be in my favor. So, although I was in tears again at the end of the call, she did help to calm me and help me to understand the situation.

Thank you Fleta; I guess.


LIFE IS GOOD

Feel free to leave a comment below. It would be just fabulous to know you have visited.

Debbie... aka the cancer warrior ... AND SURVIVOR!!!

LIVESTRONG
• I AM STRONG • I AM HEALTHY • I AM LOVED •



2 comments:

  1. This pre-existing condition issue is ridiculous. Insurance companies only want to insure healthy people. I know its only one more year but have you checked into any of the new plans available already. I think the website is healthcare.gov. Good luck! [Evil blood sucking insurance companies - Grr!]

    ReplyDelete
  2. I have checked into the new programs. Unfortunately, they are only available to the uninsured. So, provided I can continue to afford this for another year or more, maybe there is light at the end of the tunnel come 2014.

    ReplyDelete

Thank you for visiting and leaving a comment. Your comment will be reviewed and approved the next time I visit.
Debbie