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Ask HN: I Have Cancer. What Should I Do?

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Re: Ask HN: I Have Cancer. What Should I Do?

#151
post #150
post #33

Earlier quoted context omitted.

No, do not do the COBRA thing. Opt in to your employer's group coverage. COBRA expires. You are not responsible for optimizing your employer's health insurance premiums and will probably have far less of an impact on them than you're worrying about.

Don't get on COBRA with a plan to stay on it, I think you're saying, and I agree. If your new employer doesn't offer health care, go buy some: switching jobs is a "qualifying life event" and lets you buy outside the yearly sign-up window. If they do offer health care, then you're set. Wait for that. This one-week gap isn't going to mean anything or change anything.

Yeah, I could have been clearer about this. At 18 employees, his new employer surely offers group coverage (if they didn't, he shouldn't work there regardless of whether he's dealing with an illness). And of course, if temporary COBRA coverage is the only way to ensure he has no coverage gap, he should make use of COBRA as well.

Just don't do COBRA as an alternative to the employer's group plan.

Re: Ask HN: I Have Cancer. What Should I Do?

#152
post #42

The fact that this thread exists makes me want to move back to Europe. It's really hard, for someone who grew up with state-provided healthcare, to understand how dealing with an illness involves decisions about employment. To the OP: the system is deeply unfair, and you shouldn't feel bad for obtaining what in the rest of the civilized world is an unalienable right.

Doctors in the Netherlands WILL NOT treat you unless you come in kicking and screaming whereas in the capital of Poland you will die in the waiting room waiting 12 hours to be seen by the ONE ER doctor on staff. You WILL DIE waiting for an ambulance because there are so few available and the onboard crew doesn't have any real sense of urgency. There are not even enough seats in the emergency hall for incoming patient…

Comparing health care in the US (per capita gdp: $53k or so) to Poland (per capita gdp: $13k maybe?) is a dumb exercise. Healthcare in west europe is excellent -- often much better than the united states measured on outcomes. It is notably much cheaper too.

See a million links on the internet, or start here:

https://www.iom.edu/~/media/Files/Report%20Files/2013/US-Hea...

Re: Ask HN: I Have Cancer. What Should I Do?

#153
post #69

Earlier quoted context omitted.

First, I wish all the best of luck to the OP. It's such a scary thing to go through, but it's something you will get through, like many others said, the outcomes nowadays are so much better than even 10 years ago. As for the insurance, could someone explain this to me. I thought that with ACA (Obama Care) the pre existing condition was not enforceable anymore an you could get a private insurance based on your age, in…

Eh yeah I forgot about that change. I would still think you would want to avoid coverage gaps, unless the law definitely mandates retroactive coverage. As to how the insurance companies are allowed to calculate premiums, I guess under the new law I have no idea. I don't see how they couldn't be allowed to consider claims experience at some level, but maybe they can't do it per employer anymore. But at the end of the…

> I would still think you would want to avoid coverage gaps, unless the law definitely mandates retroactive coverage.

You do, but not for the reason you think. If you have a coverage gap of more than three months you'll see a fine added to your income tax at the end of the year, which for most people on HN would be 1% of household income above the filing threshold[1]

[1]: http://www.irs.gov/Affordable-Care-Act/Individuals-and-Famil...

Re: Ask HN: I Have Cancer. What Should I Do?

#154
post #124

Earlier quoted context omitted.

Oh, I thought I'd never encounter this on HN. But since I did, here's the story: Somewhere in late 80s my mother started to have pain in the abdomen. She went here, then there, then she finally did something like CAT scan or whatever, I don't remember, I just remember is was difficult to get this scan because there was just so few such devices in my home country (friendly advice for those who dream about state-provid…

May I ask which country?

Soviet Union. The country which basically invented and implemented state-owned free healthcare on a very large scale (the USSR population was on par with the USA population).

And, frankly, I believe USSR succeeded in this implementation. I mean you can't make it substantially better than it was (taking technology advancements into account). It was great at preventing epidemic outbreaks, vaccinations, general population health, etc.

My sister picked up typhosus in a very remote part of the country, disease not known to primary care physicians for decades (well, they study it in medical schools but just like a historical artifact). But the system worked perfectly, she was diagnosed, sent to a special facility, got necessary treatment (and became a subject of research with daily visits of medical students from all across the city) and got out perfectly well (besides losing all her hair, but that part recovered quickly).

It's just everything has its pros and cons. And when you preach socialized state-owned healthcare, don't think you'll always be at the 'pros' side. Some people end up at the 'cons'. I'm not saying that my mother fell victim to this system, she fell victim to the idiocy. But the system made her suffer beyond what is acceptable in the civilized world.

Re: Ask HN: I Have Cancer. What Should I Do?

#155
post #133

Earlier quoted context omitted.

What it ignores though is the interesting part, if the hiring manager knows of his illness. I'm quite right wing, but that's why imho medical costs should be socialized. But of course, there are many problems that come along with that.

I'm generally conservative too but this won't happen until we have tort reform (which won't happen so long as politics is governed by lawyers). I heard someone say that health care is completely provided in Australia for about 2% of your gross pay because the leeches have been removed from the process ... is this true? P.S. Leeches = anyone that inserts themselves into the process without adding meaningfully to the q…

Health insurance is far less predatory in Australia. We have a hybrid public-private system, where everybody is covered by single payer universal healthcare (including specialists, but not dental), but if people have the means they can opt for private health insurance to cut down on wait times or have things like remedial massage or optical included.

There are zero cases of bankruptcy due to medical illness, or people being denied care because of a lack of insurance.

Re: Ask HN: I Have Cancer. What Should I Do?

#156
I just finished treatment for tonsil cancer in November. Don't be afraid. You're not alone. There's more support for you than you realize and you're stronger than you can imagine. Everyone you've met has been touched by cancer somehow. Everyone.

I was afraid, but not alone. Family and friends showed up strong in every way. You'll find that people are really caring and compassionate if you let them be. Ask for help.

Your employer wants you to get better and they want to help you. I'm a freelancer with hourly clients so it was especially hard on my finances. I turned to credit cards, savings, and family to help out. Ultimately, I tried to handle as much as I could, as long as I could. Depending on the type of treatment, you can still work. My clients understood and stuck with me when I had to take a break.

I did work up until the really bad parts of treatment. Throat cancer is a very hard course of treatment as you have radiation daily plus weekly chemo. I was very nauseous and tired, but mentally I was ok for a good while. There are pain meds you can take that don't mess with your head very much. Take them if they prescribe them.

Get the best coverage you can. Fight your insurance company if you have to. Don't back down. The last thing they want is a cancer patient getting denied care. I had to fight the insurance company for all the tests up to and including the needle biopsy. After they found it was cancer, the insurance company rolled over and paid for everything without argument. I hit my out of pocket maximum within the first round of treatment.

The other patients you will meet can be a great resource. If you go through chemo, it will most likely be a big room with lots of chairs so you can talk to the other patients. Ask about tips and tricks. There's lots of good info on how to combat the side effects.

Confirm any supplements/vitamins with your doctor as some chemicals can hinder the chemo meds. Buy Ensure Plus. It's hard to feel like eating & that's a good way to get calories. Make sure you get enough calories. You need energy to fight.

Don't believe people that tell you X cures cancer. They don't fucking have cancer. Go with what the medical community can validate with science. All those treatments have all been debunked thoroughly and there is no conspiracy against vitamin C. Doctors want you to get better. Survival rates have doubled in the last 10 years.

Chemo is not worse than cancer. That's ancient history. Nowadays the anti-nausea/pain/steroid meds are amazing. It's not like the old days where you vomit constantly for a year. I'm not saying it's easy, but it's better than it was even 5 years ago.

Take it serious. Don't give in to fear or negativity. Ask your Doctor to shoot straight and not sugar coat the facts. Don't think about the future. Stay in today. Don't lay in bed all day. If all you can do get is up just sit outside. Let your friends/family see you sick. You don't need to be alone.

Choose life. I mean it. Make that choice every day.

It's hard to explain, but you'll face a choice at some point during this path. Choose life.

Re: Ask HN: I Have Cancer. What Should I Do?

#157
I just finished treatment for tonsil cancer in November. Don't be afraid. You're not alone. There's more support for you than you realize and you're stronger than you can imagine. Everyone you've met has been touched by cancer somehow. Everyone.

I was afraid, but not alone. Family and friends showed up strong in every way. You'll find that people are really caring and compassionate if you let them be. Ask for help.

Your employer wants you to get better and they want to help you. I'm a freelancer with hourly clients so it was especially hard on my finances. I turned to credit cards, savings, and family to help out. Ultimately, I tried to handle as much as I could, as long as I could. Depending on the type of treatment, you can still work. My clients understood and stuck with me when I had to take a break.

I did work up until the really bad parts of treatment. Throat cancer is a very hard course of treatment as you have radiation daily plus weekly chemo. I was very nauseous and tired, but mentally I was ok for a good while. There are pain meds you can take that don't mess with your head very much. Take them if they prescribe them.

Get the best coverage you can. Fight your insurance company if you have to. Don't back down. The last thing they want is a cancer patient getting denied care. I had to fight the insurance company for all the tests up to and including the needle biopsy. After they found it was cancer, the insurance company rolled over and paid for everything without argument. I hit my out of pocket maximum within the first round of treatment.

The other patients you will meet can be a great resource. If you go through chemo, it will most likely be a big room with lots of chairs so you can talk to the other patients. Ask about tips and tricks. There's lots of good info on how to combat the side effects.

Confirm any supplements/vitamins with your doctor as some chemicals can hinder the chemo meds. Buy Ensure Plus. It's hard to feel like eating & that's a good way to get calories. Make sure you get enough calories. You need energy to fight.

Don't believe people that tell you X cures cancer. They don't fucking have cancer. Go with what the medical community can validate with science. All those treatments have all been debunked thoroughly and there is no conspiracy against vitamin C. Doctors want you to get better. Survival rates have doubled in the last 10 years.

Chemo is not worse than cancer. That's ancient history. Nowadays the anti-nausea/pain/steroid meds are amazing. It's not like the old days where you vomit constantly for a year. I'm not saying it's easy, but it's better than it was even 5 years ago.

Take it serious. Don't give in to fear or negativity. Ask your Doctor to shoot straight and not sugar coat the facts. Don't think about the future. Stay in today. Don't lay in bed all day. If all you can do get is up just sit outside. Let your friends/family see you sick. You don't need to be alone.

Choose life. I mean it. Make that choice every day.

It's hard to explain, but you'll face a choice at some point during this path. Choose life.

Re: Ask HN: I Have Cancer. What Should I Do?

#158

Earlier quoted context omitted.

That's actually not entirely true, unfortunately. Ask me how I know.

How do you know?

Great question!

If you get shafted by your employer during maternity and they pull coverage early, and give you misinformation re: COBRA timing, and it's not an open enrollment window with the state exchange, even if you can convince the state exchange to let you in before the next open enrollment period, the soonest they might do that is at the end of the month.

And if you have any ongoing treatment issues, the temporary/indemnity insurance you'll have to buy won't cover any preexisting conditions.

TL;DR–if you get left in a lurch, you're still stuck on temporary insurance which won't cover preexisting conditions.

Re: Ask HN: I Have Cancer. What Should I Do?

#159
post #134

Another note: Don't you think it's worthwhile not down-voting every idea that hasn't become widely used? Certainly if I ever get cancer I hope that people throw every idea they even vaguely think might work, for me to consider, without people down-voting them for genuine offers of obscure ideas that might plausibly work. To downvoters: I'm mentioning this only because I'd try it myself in this situation. I am not cla…

> Another note: Don't you think it's worthwhile not down-voting every idea that hasn't become widely used? Yes. Bullshit deserves to be downvoted and flagged. Every time someone discloses they have or possibly have cancer people come out of the woodwork pushing total bollocks. "You got cancer because you're stressed"; "you can cure cancer with fasting"; "you can cure cancer by not eating sugar"; "you can cure cancer…

For the record, I never said it was a cure...

Re: Ask HN: I Have Cancer. What Should I Do?

#160
Hey. I'm sorry you've had your world turned upside down in this way. I'll add my prayers to those already mentioned. There seems to be a lot of good advice here about temporal matters. As someone who is going through a similar journey, my advice is, please consider eternal things. If you're interested in a Christian perspective, check out http://digitaltrousers.wordpress.com
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