January 2012 chemo

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  • NancyHB
    NancyHB Member Posts: 1,512
    edited April 2012

    I keep a detailed ledger of our medical expenses.  I started so I could see where we were hitting our out-of-pocket, our yearly deductible, our copays, etc. (for those outside the U.S. - our system is screwy and messy and is only likely to get worse), and for next year's tax deductions.  I have entitled it, "Nancy's Cancer Ledger; or why I will never be able to buy a new car, ever again." 

    I learned some really interesting things in my ledger as I updated it today:

    * My chemo costs far LESS than the Neulasta shot alone.  My hospital charged $5,000 for the AC treatment (everything associated with it including premeds), and $6,235 for the Neulasta shot.  My cost for chemo dropped to $2,000 for the dd Taxol, while the Neulasta remained the same.  

    * I finally broke the $100k mark 4 months after diagnosis - my body is now worth more than I owe on my house, and some of my student loans.  If I go through radiation, I may surpass my student loans AND my credit card bills altogether.

    * My insurance company is still billing us an outrageous amount for the Neulasta copay (20%), no matter how many different ways our hospital rebills it.  And they're shocked, because they continue to say they have never, ever, had a patient who has had to pay for the shot.  Ever.  And they can't figure it out.

    I'm still blessed we have insurance, even though we've hit a point where we just don't have any more money to pay the bills.  While I sleep peacefully this Thursday in the infusion room, my husband will be meeting with the hospital to share my ledger and try to work out a reasonable payment plan to get us through the rest of treatment.  It's another reason why I'm scared of radiation - we may have to pay an office visit copay for each treatment, and I just don't have it.  I hate to say it but it might be time to leave school and simply go back to work - I feel selfish not making enough money to cover my own medical care.

    And then, this morning I read an article about an Illinois BC survivor who was jailed for failing to pay an accidental $280 bill (she didn't actually owe it).  

    Thank you for listening to me vent (as always).  

  • CharB22
    CharB22 Member Posts: 310
    edited April 2012
    NancyHB - I'm curious - what type of insurance do you have? Other than paying copays, what are you paying for? I have BC/BS HMO and I've only had to pay copays - $30 for each infusion because I meet with my MO every visit. I've never had to pay for Neulasta and I've had 5 shots. The only other expense I have is the $100/day copay for hospitalization. I spent 4 days in the hospital with pneumonia, so I have to pay $400. Are you keeping track of your mileage? It will be deductible (along with all of your other payments) on your taxes. My radiation is covered at 100%, although I'm pretty sure I'll have to pay a $30 copay every time I see the RO. Somehow I doubt I'll see him every day I have radiation.
  • KristinFro
    KristinFro Member Posts: 230
    edited April 2012

    Wow, Nancy. Like Char, I have BCBS, but PPO. I hate to say it, but DH takes care of the bills around here. He showed me the first one we got for my Jan infusion. You were only chanrged  $2K for Taxol? I was billed $11K for the Taxol/Herceptin meds alone. That didn't include the room, the labs or the nurses. My bill for that first infusion, one MRI, my port insertion and 2 doctor visits (there were more visits, but this was just for the hospital/cancer center) was $35K. Our portion of that was about $450. We haven't gotten the Feb or March bills yet to compare. I get my first Nuelasta shot today -- can't see what that runs me!

    I wish you the best in getting on some sort of financial plan. Like you need this on top of everything else!! Hugs!

  • NancyHB
    NancyHB Member Posts: 1,512
    edited April 2012

    We have Priority Health POS.  When we started freaking out about the Neulasta copay to the hospital biller she freaked a little herself - they have the exact same policy and she was slated to start chemo and Neulasta the following week.

    I should explain that we have insurance and I'm grateful for that - but we're learning that there are multiple levels of "payments" that surprise us around every turn.  For example, we have to meet an individual deductible of $1500 a year...AND an out-of-pocket of $3,500...AND a $4,000 a year copay for Level V pharmacy benefits (which is how the Neulasta is being billed; regular prescriptions are Level I and there is no maximum a year we pay on that).  So that's $9k we have to cover.  That does not include office visit copays, which are $45 every time we walk through the door for an infusion...and will be the same every time I walk through the door for each of my 30 radiation treatments.  It's...alot of money, particularly since I've been basically unemployed for 2+ years. 

    When I did our taxes for 2011 (I had my biopsy and lumpectomy last year; by the end of 2011 I had already cost almost $40k) I was able to claim a hefty tax deduction for medical expenses - including mileage, thanks Char!  The one thing that really saved us is that our insurance "year" begins October 1 and not January 1 - and I started the diagnosis journey just after October 1.  We didn't have to "restart" the clock again with copays and deductibles and such again January. And I expect the worst of this treatment to be done before October 1 this year.

    I know it's better than not having insurance at all, or having a less-than-stellar insurance plan.  When I look at how much this has all cost - and how little of it we have actually had to pay - I really am grateful.  It doesn't sound like alot, and it really isn't in the grand scheme of things, but it's just one more thing this f-ing disease is doing to me, to us.

  • CharB22
    CharB22 Member Posts: 310
    edited April 2012

    Wow NancyHB - $9k is a lot of money. However, like you said, it's small pototatoes compared to the "actual" cost. Thanks for the explanation.

  • NancyHB
    NancyHB Member Posts: 1,512
    edited April 2012

    I know - I should be grateful and shut up (that's what I keep telling myself).  I'm so sorry for dumping on everyone.  On top of the bills, I learned yesterday that my RO likes to wait 4-5 weeks post-chemo to start rads - which means we now have to cancel a vacation we've waited and saved two years for, and will lose the money we paid for it.  And it puts the ending of my radiation right up against returning to work/school/internship, and...oh sh*t, I'm just feeling overwhelmed.  I'm so, so sorry for complaining here.  I'm just so tired of this journey.

    For those getting ready to start radiation - how long is your RO recommending waiting post-chemo?  Just curious...

  • Gayle56
    Gayle56 Member Posts: 277
    edited April 2012

    Nancy    I just started Rads on Monday and that was about 4 weeks from my last infusion.  The main concern with starting is your WBC being within normal range.   I have read of some people starting earlier than 4 weeks.  How long were you going to be away for? 

    Gayle

  • Momof2inME
    Momof2inME Member Posts: 683
    edited April 2012

    I will finish chemo May 23rd and my rads start date is June 25th. So about 4 weeks seems to be the standard.

  • Janetanned
    Janetanned Member Posts: 532
    edited April 2012

    Nancy - My MO said 3 weeks.  I'll be starting a few days past the 3 week mark.  I can understand why there should be a recovery period, but 4 weeks seems long.  I'm just now starting to bounce back from my final chemo tx.  By next week I should feel much better.  I start rads on May 9 and will be done June 18 (if all goes well).

  • NancyHB
    NancyHB Member Posts: 1,512
    edited April 2012

    Thank you, ladies.  Gayle, we planned to be away for a week, but could cut it down to four days if necessary.  It might be possible to go later in the month, if we're lucky (we're going "Up North" to the beach, but the cabin's are all reserved and paid for well in advance so we can't just move things around too easily) otherwise we just won't go.  But - if I can talk my RO into starting 3.5 weeks after I finish chemo, I'll be done just in time. 

    On a totally unrelated note (because that's how my brain works these days), I realized from my posts and conversations with other people recently that I'm losing my happiness and joy, and becoming quite unpleasant to be around.  I don't know why but not only need to work on it, but apologize to my friends here.  You are always the most amazing source of support and I am so grateful to you, and I appreciate you all so much.  Thank you for listening to me bitch over the last few posts.  Thank you.

    Off for #8 of 10!!!  Have a wonderful day, my friends, and blessings to you all!!!

  • NCbeachgal
    NCbeachgal Member Posts: 181
    edited April 2012

    Nancy-please, please, please take your vacation! Insist that your RO make whatever accommodation necessary! I bet he/she won't miss their vacation. Doctors understand money and if you explain about the nonrefundable deposit, I imagine things can be moved around.



    As far as being unpleasant to be around...well, most people don't understand the number of daily frustrations we deal with. Yep, frustrations=unpleasant thoughts and sometimes actions. What do they want from you? Honesty about how you're feeling or the obligatory , "I'm fine, how are you." response? They want the later, I imagine. Believe me, you are not alone! Sometimes I want to scream, "who gives a rats ass about your flat tire, kid's bad grades, bad cold, mean boss, etc (insert whatever menial problem people deal with daily), I'm fing bald, constipated, hurt from top to bottom-front to back, have a doctors appointment every other fing day, bills coming out my @$$, facing burned skin and possible lung damage from radiation and still have a year of herceptin and five years of tomoxifen, etc, I could go on and on as you well know.



    When I'm feeling particularly unpleasant I mostly avoid people and they're petty BS. I feel like I have lost my smile and I can rely only on myself to get it back and it will come back. In the meantime, I spend time a lot of time alone and when I am around other people I try not to talk about myself unless asked a specific question that I'm willing to answer. Mostly, I smile and politely say, " I'm fine, hope you are." It's what most people want to hear.

    Go on vacation-you deserve and need it!

  • NancyHB
    NancyHB Member Posts: 1,512
    edited April 2012

    Thank you for your words of wisdom, NCbeachgal.  You're so right.  *hug*

    Here's something that will make everyone laugh.  I came in for my 8th of 10 treatments, so I'm getting really close!  Anyway, I told my clinical trial coordinator that the neuropathy in my left hand is getting worse - I dropped a dish I was washing in the sink the other day, and getting my necklace on (the clasp) can be difficult at best.  She says, "Can you unbutton buttons?"  I said I thought I could, so she asked me to unbutton the buttons on my shirt.  So I grab the top button (they're very small) and try to unbutton it.  I keep trying - I'm not getting anywhere, can't feel the button and can't seem to get it through whatever small hole there is.  After a minute I realize - the buttons are decorative and note useful, so of course I can't unbutton them.  :-)  We all laughed outloud so hard I'm sure they heard us in the hall.  When I get to the infusion room another nurse says, "Can you please unbutton your shirt?" and I realized my funny story has made the rounds of the oncology center.  Truly needed the laugh today, was so glad I could provide one!!

  • annie3310
    annie3310 Member Posts: 111
    edited April 2012

    Nancy - you're button story IS hysterical. An I'm always amazed at how info flies around the infusion center. They tell each other everything.



    I'm glad you're laughing, but was equally glad to hear you bitching. We need this outlet. I think the doctors will work with you on the vacation problem. I asked my surgeon to put off my post-chemo surgery for two weeks beyond the usual month wait so I could do some book promotion I have lined up in early June. It wasn't a problem. But starting your rads later might put you into your school year. I hope you find a solution. Vacation is important therapy in itself.

    Annie

  • Jennt28
    Jennt28 Member Posts: 2,021
    edited April 2012

    Just a quick check in...



    7 of 12 weekly Taxol/Herceptin later today and am still aching and hurting from the last one! I am finding myself "retreating" more and more each week because I am just becoming overwhelmed by the fatigue and various pains now (muscles, joints, ass/butt hemahorroids, numb fingers). I also seem to have a mild cold with a cough, but not enough to delay treatment.



    My poor hubby is now also unwell with enough of a gastric problem to be given a specialist appointment next week to get it checked - I am very worried about him and can tell, based on his grumpiness, that he is very worried about himself too. For goodness sake we are both in our mid-forties and seem to be now facing all these health challenges we didn't expect to hit until we were in our 60's or 70's!



    So although I am reading here I am finding my strength levels so low that I am not posting much I'm sorry. Please know I am thinking of you all everyday... Jenn

  • SleeplessIn
    SleeplessIn Member Posts: 114
    edited April 2012

    Nancy,

    Sorry for the insurance issues you are going through, and hope you can find some kind of mediator or ombudsman involved who can straighten out the Neulasta issue. It should not get billed as pharmaceutical if it is given to you by a nurse in the clinic, hence it should count towars your medical deductables, and max allowance.



    CharB22,

    Congrats on finishing up chemo today!!! Enjoy your happy dance today, you earned it!!!



    Jenn,

    Hope your hubby will be better soon.



    Hugs to everyone!!!

  • Denise-G
    Denise-G Member Posts: 1,777
    edited April 2012

    Okay, ladies, thanks for the recents posts, the tears, the anger, all of it.  I sure did need to hear it.  Went for my first RO consult today.  It is at a different hospital as my MO is an hour away but decided to do rads locally.  The RO was great - he spent almost an hour with me going over all details.  I guess his kindness, caring, and wisdom just got to me.  He was very understanding about how much I've been through, which you know, really helps even if it is his business.  I was all strong all day long, got home and just have been crying all night.  It just feels like, "Oh God, here we go again, a whole new ball game that I don't now how to play." 

    But RO said, by all means go for a week's vacation and worked around my vacation schedule!   Nancy, talk with them about the vacation!  We need it.

    NCBeachGal - appreciated your honest talk, anger...gosh do I feel it. I've had several people "hint" to me that I'm angry.  I want to slap them - LOL!!  I SO GET IT!!   Oh, I am sorry about your hangnail.   

    Jenn - hang in there - I just had #8 of 12 and getting mighty weary.  Oh my, so sorry about your husband.  He's been through alot.  Certainly it is bothering him.  Prayers for you both!

    I have no encouragement left in me tonight, but I guess we can finish this out.  I hope! 

  • DianeNMil
    DianeNMil Member Posts: 130
    edited April 2012

    Beachgal and Denise - laughed when I read your posts, thanks!!  I have one girlfriend who always has a tragedy aka hangnail!!  I try to just be patient but sometimes it is hard!!  I hadn't spoke to her in weeks and she texts me  "mojitos in South Beach"  I was sick as a dog at the time...didn't reply.  She called a few weeks later and apologized.  On the other hand I have a few friend that have been my rocks.

    Jenn- They kept telling me it was cumalative and I didn't really feel that until the last few treatments.  Hang in there...the end is in sight.  Good luck to your husband.  Hugs.

    Nancy - It sucks having to deal with financial worries and CANCER together!!  I know I am in the same sort of boat.  I try not to worry about it too much.  Money comes and goes...mostly goes, but this is the most important beast to tackle now!!

    Well today is the first day....3 weeks after my last infusion that the pain in my legs is starting to ease a little...THANK YOU!!!  Had my first radiation today.  No different really than getting a x-ray -Piece of cake to what WE have been through ladies!!!  it is just scary to think about. Almost fought with tech when I first got there!  They want you to get changed in Johnny from waist up and sit in a waiting room with men and women in street clothes...thats just not right!!  I went through this last time and they said I could get changed in the room.  I apologized to the tech later.....didn't want to be bitchy but WTF  indulge me a little here!  I told my dad "in a minute I am getting the hell out of here and I will just stand in front of the microwave for a few months!!  Anyway I am sure I will calm down just as I did at infusion center.

  • CharB22
    CharB22 Member Posts: 310
    edited April 2012

    NanchHB - no need to apologize! And I agree with the others - take your vacation!!!! We're going to do some type of "celebration vacation" after I'm done rads. DH doesn't get vacation time until July, so I'll be done by then....thinking about taking the boys and going on a cruise. I don't want to lift a finger for a week!

    I've been unpleasant to be around for the past week - a screaming banshee is more like it. I almost feel like I have PMS, but I've been in chemopause since Feb. Not sure if it's nerves since I finished Taxol today and now have to move on to the next phase - rads -which I'm nervous about. I also have to go back to work on 5/7. I've been on disability for 5 weeks and I love being home. I've never wanted to me a working mom, but I'm the one that brings in the money - poor DH hasn't had a lot of luck in the job dept. He finally found a good job last June, but makes about 1/2 what I do. My job isn't too stressful, but I commute an hour into the city, taking 2 trains and a trolley - which is exhausting. I could drive in but parking is $20/day ($13 if I'm really lucky). Maybe I need to break out the Xanax again.  Yell

  • Gayle56
    Gayle56 Member Posts: 277
    edited April 2012

    Nancy you deserve the vacation - I am sure they will work out your schedule so you don't lose it.

    Gayle

  • Denise-G
    Denise-G Member Posts: 1,777
    edited April 2012

    CHARB22 - CONGRATULATIONS ON FINISHING TAXOL!!!!  

  • NCbeachgal
    NCbeachgal Member Posts: 181
    edited April 2012

    CharB22-yay! Good for you-you're finished with Taxol!



    I understand how you feel about going back to work. It's going to be so hard. I don't have kids and have never not wanted a career but I also commute (by car) about an hour and will go back to work the same day my daily radiation begins. I will go from a doctor appointment here and there and mostly resting to a 8-10 hour work day and daily radiation. I have until May 21 to increase my stamina a little each day so I can make it through. I will be thinking of you Char chugging off to work. I hope your work is somewhat rewarding and fulfilling.

  • KristinFro
    KristinFro Member Posts: 230
    edited April 2012

    Climbed out of bed this Friday morning after being in it since Tuesday afternoon. I'm pretty sure it was the Nuelasta shot that knocked me down... I still feel pretty out of it, but I just can't lay in bed anymore. I seriously don't know how people who work away from home do this -- and I'm so glad AC is every other week. I'm really hoping my "recovery week" is a good one.

    Jenn -- I can sympathize with you completely. My daughter, only 20, recently had to have an endoscopy due to severe stomach issues. Since she was away at college, my husband drove down and took her for the appt. They biopsied several areas and told her that her entire stomach lining was red and inflamed. After waiting almost 2 weeks for her follow up, we found out that the biopsies were negative and the doctor diagnosed her with IBS and stress. I know she was worried about me, about being behind in school, etc. I hope the outcome is similar for your husband. Stress does awful things to our bodies, and he's got to be worried about you. Hugs to you both, hang in there. 

    Char, congrats on being done with Taxol!! Whoot!

    Nancy, I'm in agreement with everyone else -- take that vacation!

  • BelaT
    BelaT Member Posts: 217
    edited April 2012

    hey ladies,

    surgery was ok. still pain. lots of emotions.

    bela

    Hugs to all 

  • Momof2inME
    Momof2inME Member Posts: 683
    edited April 2012

    Nice to hear from you Bela. Rest, rest , rest, and take your pain meds. I hope your recovery gets a little easier every day.

    {{HUGS}}}

  • Janetanned
    Janetanned Member Posts: 532
    edited April 2012

    Its good to hear from you Bela!  Hope your recovery continues to go well!  I know my emotions were all over the place after surgery and I think the pain meds compounded that situation.  I went from being tearful, to happy to be alive, to very depressed all within a 24 hour period.  I never shed so many tears! But it gets better every day!  Soon it will be a distant memory.

  • Janetanned
    Janetanned Member Posts: 532
    edited April 2012

    Its been two weeks since my final chemo tx and I'm starting to feel human again!  The only remaining SEs are some neuropathy in my feet, mostly my toes and weird looking fingernails.  My energy is slowly returning and my appitite is back.  I feel like today marks the real end of chemo for me!  Coffee tasted really good this morning!

    I start rads in 10 days and am not really looking forward to it.  My RO initially said 33 days but changed that to 28 days when I saw him for the simulation.  I guess that is good.  I am getting a little worried about the possibility of heart and lung issues since it is my left side is being treated.  I just hope that my RO team carefully planned my tx.  They did seem very careful and exact while marking and positioning me during the simulation.

    For those ending chemo "YAAAAYYYY!".  Just keep in mind that the chemo is still in your system for a while, so you might not feel like celebrating right away.  However, as your body gets rid of the toxins, you will begin to feel much better!

  • DianeNMil
    DianeNMil Member Posts: 130
    edited April 2012

    Bela - We are all here from you.  I think the emotional side of it is much worse than the physical (not that the physical is much fun!)  It does get easier so hang in there and give yourself a little time, tears and rest.  Hugs

    CHar - Congrats!!! doesn't it feel good to graduate!!!

    Janet - you got that right about lingering chemo.  I am 3 weeks out and still not right!!  Starting to feel a little better the last few day but had 2 rad treatments this week.

    Speaking of radiation...after my first I was nauseas all night, vomitted all the next morning and was nauseaus all day yesterday.  So far feeling better today.  Dr said it is very rare to have nausea from breast directed rads.  lucky me!!!

  • Janetanned
    Janetanned Member Posts: 532
    edited April 2012

    Diane - I'm so sorry you are going through this!  We were promised an easier time with rads.  It doesn't seem right!  No one has mentioned nausea as a SE.  Did the Dr give you any meds to handle this?   I remember my mom feeling sick with rads, but that was in the 70's when the tx was much different.  She also had terrible burns.  My RO said things are different today.  I sure hope so.  I also hope that the rest of your tx is non-eventful and the nausea is controlled!

  • DianeNMil
    DianeNMil Member Posts: 130
    edited April 2012

    Janet  Thank you!!  Dr gave me meds but havn't taken yet...not much nausea today but no appetite and I have had a voracious appetite through chemo!  Maybe I can lose the 15 chemo pounds I gained!!  fat and bald is not attractive (: 

  • NancyHB
    NancyHB Member Posts: 1,512
    edited April 2012

    Bela:  So glad to hear from you, so sorry you've having a hard time.  Glad you made it through surgery.  Be kind and gentle with yourself - and your emotions - for a while, and please keep in touch and let us know how you're doing, and maybe what we can do for you.  Sending you love and hugs; wish it could be more.

    Diane:  Did not know that nausea might be a SE - I hope you feel better quickly!  

    Janet:  Glad to hear you're feeling better - and thank you for giving us all hope that we will, one day, start to feel better!!!

    Char:  Congrats on your final chemo!!  

    I decided this weekend that I am taking whatever vacation I can take - my RO will simply have to work with me.  It's pointless to be fighting so hard for my life if I can't take a few days off to actually enjoy my life.  My body is working on healing; now my soul and brain (and marriage) need a little TLC, too.  Thanks for your support and encouragement!!

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