Thanks For Letting Me Keep My Dad. For Now.

by: Ms. McGee

Mon Nov 09, 2009 at 23:11:58 PM EST


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I know there's been a lot of press about this in recent weeks, but this is a topic that I've discussed with my peers and family for years, and this is a topic I personally feel very strongly about, so please forgive me.

I have had continuous healthcare coverage from the day I was born, up until my early 20s. Healthcare was never something I really ever had to think about. As far as I was concerned at that point, I would be able to walk into any hospital or doctor's office that accepted my insurance card, and if I was sick I would magically be taken care of. I know now that was mainly because of both my youth and naivety at the time about how healthcare worked, but I digress.

Ms. McGee :: Thanks For Letting Me Keep My Dad. For Now.
Shortly after I turned 17 my father was diagnosed with CML - Chronic myelogenous leukemia. When he was diagnosed, we found out that my father was in the Blast stage, which is the last and most deadly phase of the disease. When he was diagnosed, the only known cure for CML was either a bone marrow transplant or stem cell transplant, or a drug that was harsher on the immune system then chemo...and that had about a 30% survival rate.  We also discovered that the same genetic mutation he had in his bone marrow that potentially caused his CML also rendered him unable to find a donor match. He was given an outlook of 6 months. We started tying up loose ends, and saying our goodbyes. Thankfully, however, shortly after he was given this news we discovered that there was a very new experimental drug that just came on the market, called Gleevec. It showed very promising results, but it wasn't without risks...and certainly not without costs.

Not many people were on the trial, and they didn't know the long term results. For treatment, my father had to go through monthly bone marrow harvests (which consisted of having multiple holes drilled into his bones, and the marrow extracted) to check the health of the marrow, as well as getting his blood cell count checked regularly. During this whole time, it became very clear that my father was very lucky to have the health insurance he did, and that he worked for the company he did. When his company changed health insurance policies, they allowed my dad to stay on the old plan so he wouldn't have to change plans and be denied coverage for pre-existing conditions, which of course would have forced him to pay out of pocket for the expenses. Keep in mind that the costs of his monthly trips to the hospital for harvests and monitoring alone, let alone the multiple visits to his oncologist were astronomical. Not to mention, he was on an incredibly expensive experimental drug, a drug he now has to take every day for the rest of his life. Gleevec, for all the wonders it did for my father, can cost upwards of $300.00 a single pill, which is $109,500.00 in a single year. Without his insurance, my father could never have footed those bills alone. As time went on it turned out that the drug, quite literally, saved my father's life. He is now in complete molecular remission, and I'm happy to have my dad still alive and well 8 years later. However, there will always be the constant reminder that if at any time he is unable to take his Gleevec, as in if he lost his insurance coverage or from lack of finances, he could relapse and die.

One thought from that experience always haunts me whenever the topic of healthcare reform is brought up. In one of the most advanced countries in the world, one that has one of the leading healthcare systems, the best hospitals, the best doctors and this particular lifesaving drug (not to mention countless others), had my father not had health insurance, he would have died. With all of this at our fingertips, with the power and tools available and waiting to save his life, he would have been let die. I think that that is one of the largest travesties of our time.

I turn my eyes to Europe, and their model for healthcare. It certainly isn't without its flaws, but as a nation they looked back over their past history and decided that there was one thing more important than a bottom line: Human life. I have to ask myself, how much is a human life worth? To me, my father is certainly worth a lot more to me then $109,500.00 a year. Can you put a number to how much your life or the life of your loved ones is worth? Apparently our health industry can.

We as a nation have stood up and said that this isn't right, and its certainly not what we want for ourselves and our families. We're fed up with insurance companies, companies that we've been paying thousands of dollars to our entire lives for the peace of mind they're supposed to provide, rewarding their employees for finding reasons to deny legitimate claims.  We're haunted daily by stories of people who wake up in a hospital in debt. I've heard stories of people who were in a terrible accident, were unable to notify their employer, and so they were terminated. Because they were terminated, they lost their insurance, and now have hundreds of thousands of dollars in medical debt because they were injured, and now have no job to pay for it. It scares me that medical debt is an inheritable expense, and that people are forced to decide between fighting their illness and potentially losing, which would mean leaving their loved ones behind with insurmountable debt, or choosing to just die instead. That's the choice we've left our people with.

Now, I work with a great guy. He and his wife recently had a baby, but during her pregnancy she was diagnosed with breast cancer. He failed to sign up for insurance and missed the deadline, but our company bent over backwards for him and helped him sign up so he could cover her and the baby, but because she had been diagnosed with cancer before she was covered under his insurance, and even though he had previously called and verified that the procedures and treatments were covered, they deemed it as a pre-existing condition and denied coverage. She's slowly and painfully dying with a newborn infant she may never see grow up. The last tally on her medical bills was towering in the thousands, and my friend will not only have to mourn the preventable death of his wife and raise his newborn daughter by himself, but he will also have to shoulder the debt he was forced to accrue trying to save his wife long after her death.

I have said time and again that the basic unit of society is family, and like Clinton said, it takes a village. A family's, and likewise a village's, responsibility is to take care of each other. As a nation, which is made up of thousands of different families and villages, we need to get together and make sure that we're doing what families are supposed to do. We need to help each other up and take care of each other, especially when members of our family are too old or too young or too sick to do it themselves. There is no excuse. No one should have to die in this country from disease and illness that we can cure, not when we have the money and technology to do it. People still die from strep throat in this country because they cannot afford insurance premiums or the cost to see a doctor to receive a slip of paper for a medication we hand out to other countries for free. There simply is no excuse.

The other night, I was watching when the House approved the healthcare reform bill. It passed the house with 220 votes. It barely passed. Personally, I find this very disturbing for a representative government, especially when the polls of the American people are drastically different. A recent Gallup poll reported that 76% of Americans strongly support providing guaranteed health care coverage for every American. Yes people, that's socialized medicine, and quite frankly, it's about time.  

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There are too many stories like your friends'. (2.00 / 1)
The tragedy can't get any worse, but destroying the survivors' financial future certainly should at least count as aggravated assault.

"Conway, whom experience had taught that rudeness was by no means a guarantee of good faith, was even less inclined to regard a well-turned phrase as a proof of insincerity."  James Hilton, Lost Horizon

This story is far too common. (2.00 / 3)
Far too common.

"When fascism comes to America, it will be wrapped in the flag and carrying the cross." - Sinclair Lewis


The question is why is it so common in this country (2.00 / 1)
which is supposedly the leading industrialized nation?

[ Parent ]
Because this country is a Godly country. (0.00 / 0)
And that God is the Almighty Dollar. Profits come before lives. Just ask the tobacco company executives.

"When fascism comes to America, it will be wrapped in the flag and carrying the cross." - Sinclair Lewis


[ Parent ]
I love this line (2.00 / 2)
"People still die from strep throat in this country because they cannot afford insurance premiums or the cost to see a doctor to receive a slip of paper for a medication we hand out to other countries for free."

With permission, I would like to use it in my continual healthcare-reform debates.

Blessings to you and your family,

~~Cheryl

I love my country, but I think we should start seeing other people.


Thank you for writing this diary, btw. (2.00 / 3)
It is a very well-written and moving story.

"When fascism comes to America, it will be wrapped in the flag and carrying the cross." - Sinclair Lewis


What a moving diary. Thanks for sharing your personal story with us. (2.00 / 1)
What a shame, as others already pointed out, that this is a far too common story repeatedly taking place in this great country of ours...

Blue Cross of Mass. employs more people to administer health care insurance to 2.5M people... (2.00 / 1)

...than Canada does to provide complete universal coverage to 27M.

"Conway, whom experience had taught that rudeness was by no means a guarantee of good faith, was even less inclined to regard a well-turned phrase as a proof of insincerity."  James Hilton, Lost Horizon


[ Parent ]
That's a wakeup call (2.00 / 1)
I'd like to read more about that. Got a link?

"When fascism comes to America, it will be wrapped in the flag and carrying the cross." - Sinclair Lewis


[ Parent ]
Damn, had that at first.... (2.00 / 1)
http://www.health-insurance-20...

"Conway, whom experience had taught that rudeness was by no means a guarantee of good faith, was even less inclined to regard a well-turned phrase as a proof of insincerity."  James Hilton, Lost Horizon

[ Parent ]
Not very useful. (2.00 / 1)
It appears to be some kind of industry group. There's absolutely no support for the numbers. Hell, for that matter, they don't even give the numbers.

I wouldn't be surprised to see  a huge disparity between the two countries. The overhead for a health provider in this country has to be huge compared to Canada. Some larger cities have literally hundreds of insurance policies available. A doctor's office has to know the details of every one of them when it comes to processing a claim. They have to know this stuff even before they order tests or procedures.

Single-payer now!

"When fascism comes to America, it will be wrapped in the flag and carrying the cross." - Sinclair Lewis


[ Parent ]
It seems if anything to have a leftward bias (2.00 / 2)
Page 20-21 of the report have "Concluding Remarks and Policy Suggestions":

Republicans in Congress have more of an aversion to any taxation, vice or not, so 2007's push for increased tobacco taxes to expand SCHIP fell short of the required two-thirds majority for a veto override. President Bush recently overrode the bill a second time and an expansion of SCHIP will have to wait until at least 2009.

But I take the stats as likely accurate unless there is evidence to the contrary.

The administrative overhead here is simply enormous.  As I've said, I have walked the halls of most health insurance HQs in this country, and they are both massive and well appointed.  If that mapped to a capitalist motivation that resulted in more and better products (like, say, Cisco) then I'd have no problem with that, but for all the reasons we know it does not.

"Conway, whom experience had taught that rudeness was by no means a guarantee of good faith, was even less inclined to regard a well-turned phrase as a proof of insincerity."  James Hilton, Lost Horizon


[ Parent ]
The cited sources from the report, fwiw (2.00 / 2)
Council for Affordable Health Insurance, State Legislator's Guide, 2008.

Montgomery, Kelly. "Hospital Bills increased 90% Over the Past Decade." About.com Health Insurance Blog. 14 Dec, 2007.

Head, Jordan, Bright Sigritz, and Stacy Matzer. "The Fiscal Survey of States." National Association of State Budget Officers. Jun, 2007.

"What You Should Know." Stateline.org.

"State Legislation and Actions on Health Savings Accounts and Consumer-Directed Health Plans, 2004-2007." National Conference of State Legislators. Jan 2008.

"Health care: Democratic and Republican presidential hopefuls propose solutions to deal with one of the most critical issues facing millions of Americans." CNN.

"Health Care State Rankings." Morgan Quitno Press. 2007.

Block, Sandra. "Early retirees try to fill gap in health coverage." USA Today. 14 Jan, 2008.

"Notice of Changes Under HIPAA to COBRA Continuation Coverage under Group Health Plans." U.S. Dept. of Labor, Employee Benefits Security Administration.

"Electronic Medical Record Use by Office-Based Physicians." Centers for Disease Control, National Center for Health Statistics. 11 Jan, 2007.

"Atlas of Global Inequality" U.C. Santa Cruz. 12 Feb. 2007.

"Survey of Employer Health Benefits 2007." Kaiser Family Foundation & Health Research and Educational Trust.
11 Sep. 2007.

O'Sullivan, Jennifer. "Medicare Part B Premiums." CRS Report for Congress. University of Maryland Law. 14 Sep. 2004.

"Current Population Survey." U.S. Census. Mar. 2006.

Lundborg, P. "Does smoking increase sick leave? Evidence using register data on Swedish workers." Tobacco Control 2007;16:114-118. Sloan, Ostermann, Conover, Taylor, and Picone. "The Price of Smoking." MIT Press, 2004.  Brundtland, Gro Harlem, dir. "World Health Report, 2000." World Health Organization. Jun. 2000.

"Conway, whom experience had taught that rudeness was by no means a guarantee of good faith, was even less inclined to regard a well-turned phrase as a proof of insincerity."  James Hilton, Lost Horizon


[ Parent ]
Great piece of video of Canadian Conservative Senator refuting (2.00 / 1)
American Conservative claims about Canadian healthcare:

CNN Video

"Conway, whom experience had taught that rudeness was by no means a guarantee of good faith, was even less inclined to regard a well-turned phrase as a proof of insincerity."  James Hilton, Lost Horizon


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