S
Sg Brix
I?m glad I found this site via the general newsgroup. Great group and much help are given I see. After much searching I don?t find much about costs and insurance trouble. So this is my first feeble attempt to start here.
I was diagnosed in ?99 with having to have vale replacement done after extensive testing for which I paid in cash knowing that this would give me time on my insurance to figure things out. I?m self-employed and to be out of it for such a lengthy time my business would be in trouble. The doctors office made a mistake and used my insurance info after all. The result was that my insurance for me and my family 4 went up from @465/m to $790/m the first month, $ 1860/m the second month and $2980/m the third. I was insured with Blue Cross at the time. We just could not handle it and had to cancel.
It took me 2 years to find another insurance company that did not find this record, and now it have been long enough time for ? existing? problems to be able to use this insurance so I again can approach a new cardiologist. In the meantime it have been hell to survive. I can?t go up a flight of stairs without being complete shot. My feet are constantly swollen. I have shortness of breath that make it hard to sleep and have been in and out of asthma attacks resulting from my heart. I have come down with all the symptoms that one possible can have resulting in stenosis of your valve. But I still have had to continue working to support my family. Mostly I sit or stand forward panting.
For those of you that actually have to pay insurance by yourself. How have it worked after an operation? Do the insurance company hit you high then as well? What are the post-operative medical costs if you had to pay out of pocket? Also since this operations will have to be done again, how high do these premium go up? Will it be so that one have to walk away again and this time I know it will be impossible to get a new insurance with a valve replacement to declare?
Email me privately if you feel it is not kosher to discuss this subject on an open board here. I really would appreciate any insight in how to handle this.
SG Brix
I was diagnosed in ?99 with having to have vale replacement done after extensive testing for which I paid in cash knowing that this would give me time on my insurance to figure things out. I?m self-employed and to be out of it for such a lengthy time my business would be in trouble. The doctors office made a mistake and used my insurance info after all. The result was that my insurance for me and my family 4 went up from @465/m to $790/m the first month, $ 1860/m the second month and $2980/m the third. I was insured with Blue Cross at the time. We just could not handle it and had to cancel.
It took me 2 years to find another insurance company that did not find this record, and now it have been long enough time for ? existing? problems to be able to use this insurance so I again can approach a new cardiologist. In the meantime it have been hell to survive. I can?t go up a flight of stairs without being complete shot. My feet are constantly swollen. I have shortness of breath that make it hard to sleep and have been in and out of asthma attacks resulting from my heart. I have come down with all the symptoms that one possible can have resulting in stenosis of your valve. But I still have had to continue working to support my family. Mostly I sit or stand forward panting.
For those of you that actually have to pay insurance by yourself. How have it worked after an operation? Do the insurance company hit you high then as well? What are the post-operative medical costs if you had to pay out of pocket? Also since this operations will have to be done again, how high do these premium go up? Will it be so that one have to walk away again and this time I know it will be impossible to get a new insurance with a valve replacement to declare?
Email me privately if you feel it is not kosher to discuss this subject on an open board here. I really would appreciate any insight in how to handle this.
SG Brix
They take all forms of payment.
