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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?

#61
I've been practically bedridden for 9 months with medical problems. I've also been producing code that entire time.

Everyone is right that you should not freak out until you get all the info from the doctors.

But lets assume you are going to be sick for a while. Once you get into that phase, figure out 2 things:

1) When can you be focused and productive? Work at those times.

2) How can you take care of yourself, stay sane, have fun, and not let a disease ruin your emotional stability. This is just as important,if not more so, than the work.

One last thing - this is your life we are talking about. Startups are just jobs. Keep your priorities straight as you make decisions.

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

#62
I'm sorry to hear that. As others have noted, find out all the details asap before you start making decisions.

On the COBRA side of things, you have 60 days at minimum: http://www.dol.gov/ebsa/faqs/faq-consumer-cobra.html and it must last at least 18 months and can go as long as 36 depending on how they have it set up.

Also, I hope you have people around you to get support and talk with. I've never dealt with cancer personally but I have to belief your mind is racing and you're flooded with some mix of panic, fear, and more panic than I can imagine. This is not the time to keep close friends and family in the dark.

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

#63
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 listen to this. Don't let yourself have any gap in coverage and if the new plan isn't as generous with the coverage then it may pay to cover the COBRA premiums and use your old insurance as the primary. There will be a gap between quitting and getting the paperwork and mailing in your premium. They will reactivate your old insurance retroactive but that's something to be aware of.

Don't have a coverage gap and don't use COBRA instead of your employer's group coverage.

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

#65
Dont pull a Jobs and go all homeopathic, and follow your doctors advice.... But smoke, eat and otherwise imbibe a shitton of cannabanoids (eg marijuana). Including drinking the juice of the plant (non-psycoqctive). There is.a large lack of scientific studies on cannabanoids due to its schedule 1 status, but the majority of the stuff that is used in government approved programs is actually extracted and then sprayed onto plant matter (eg its not the real deal, some of the 400+ cannabanoid compounds are missing), so be wary of stufies using the missisipi university stuff. (Im a combat vet with ptsd so it helps me in a different way)

Then i would make sure your legal stuff is taken care of, just in case, such as power of attorney and your will. The last time I went to Iraq i included my will and video messages yo my family and friends in a safe deposit box only accesible to my executor.

Then I would start getting all philosophical and reading while doing chemo and hope for the best, and live life a day at a time.

Much love to you through this tough time (talk about understatement eh?)

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

#66
This is one of those times where you are literally allowed, even encouraged, to think of only yourself.

You have cancer. You can't avoid that. It sucks. It's one of the worst hands to be dealt. Get treatment. Get the best damn treatment. If you don't already do so, start taking care of your body 100%. If you do, bump it to 110%.

Cancer is not easy. It is a vicious plague that wants nothing less than to overtake your body for its own growth. It's ugly.

But you can beat it.

Take the time and effort you need to fight this, and use what you have left doing what you love to do, which if you're anything like me, it's the work that you'll be starting very soon.

It'll be exhausting. When you get into chemo, and maybe into marrow transplants and stem cell procedures, you won't often have much energy--both physically and mentally--to contribute, so do it now.

Sorry if this is blunt, but I don't want to give off the impression that everything is going to be fine and everything is going to be normal. Shit is going to hit the fan.

But you can do this.

You're fucking dammit_lump; you can do this.

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

#67
(A) Don't give up. You're young and probably have a good chance of beating it.

(B) Do not let your employment impact or hurt your health. Your first priority should 100% be getting great healthcare, not saving the startup money. (On other hand, you absolutely should allow your health to impact your employment. If the startup isn't considerate about your health, drop them like a hot potato.)

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

#68
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.

I expect that there are people reading this thread for whom it is the last straw that makes them move back to Europe or Canada. And there are some Americans for whom this thread convinces them to emigrate for good. The Internet is making the world a much smaller place where people know what life is like in other places. Over time, this forces everyone to raise their game. The old ideas of independent nation states ar…

As an Australian living in Canada, it shocks me that a thread like this even exists.

That someone has to consider money when they get diagnosed with a life-altering condition is saddening.

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

#69
post #20

Be sure you don't let your insurance lapse. Go on COBRA if you have to until your new policy is in force. If you let coverage lapse more than about 30 days you are more likely be hit with a pre-existing condition exclusion. You say fiance; if you are not actually married her plan may not cover you? Unless they cover "domestic partners" not actually married (some will, some won't). Anyway, manage the insurance situati…

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, income, etc, not medical history. Am I wrong about that? If that's not the case, than what's the point of all this ACA nonsense to begin with. I thought that forcing me and other people to buy insurance was exactly so someone like the OP wouldn't be left out in the cold when they really need the help. Am I missing something.

Also, if pre existing conditions do not matter any more, how can the insurance company raise the premiums for the company the OP would be working for. It doesn't make much sense to me. In any case, take care of your self first and foremost.

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

#70
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.

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