Medical insurance and medical providers have been swarming across America for years like the biblical plague of locust consuming an ever larger share of family income in a last chance profit grab raising the bar on medical costs before implementation of Obamacare.
In my story specifically, monthly medical insurance premiums have grown 147% and yearly deductibles have grown 757% in the last 4 years. My story is not unique, health care costs are outpacing income growth.
Unlike the Federal government families cannot deficit spend and as I am still trying to pay off my yearly medical deductibles from 2012 I am financially crippled to incur any new medical debt for 2013.
Admittedly my lung cancer odyssey is complicated in that self-employed and lacking an income producing spouse; the months recovering without income were economically catastrophic.
Soooo with my medical insurance ‘high deductible’ plan reset when the clock struck midnight on January 1, 2013 … I have no choice but to reevaluate health benefits vs financial costs and frankly choose between scans, appointments, procedures and yes, living expenses.
The first months of my lung cancer diagnosis were consumed with the question “how long do I have to live?” … Grateful for this 'overtime' year the question now is “how long can I afford to live?”
Last Spring I read in our local paper of church and/or community fundraisers for families struggling to meet their medical insurance deductibles while battling cancer. Too much makes sense now, including …
"Lung cancer patients fortunate enough to live up to 5 years after their diagnosis had the highest bankruptcy rates…” American Society of Clinical Oncology
My heart and prayers go out to the uninsured and under-insured and their families facing a diagnosis of lung cancer. Being unable to afford to live is cruel.
Caregivingly Yours, MS Caregiver @ http://caregivinglyyours.blogspot.com/
My Lung Cancer Odyssey @ http://lung-cancer-survivor.blogspot.com/