Not Under Privileged
I was reading an article and it talked how there needed to be more help for the under-privileged when it came to getting help during treatment. Why focus only on them? I had co-pays, weeks off work that went unpaid. All monies that should have went to bills went for medical things and transportation to dr's and chemo.
I am not saying that the article is wrong.
What's upsetting is that the article misses that ALL women need assistance during their treatment course. I am not considered under-privileged. It would be nice if ALL women were given mandated sick leave for chemo treatments. If I didn't go to work during that 1 year and half, I would not have had my job. Yes, some job would have been found but not my job. I would not have any pay during that time and I would have lost my house.
Even now, after the initial treatment phase is over and I'm onto Arimidex, everyone thinks I am just as good as new. The dr said I have chronic fatigue. My heart has not fully recovered from the AC and Herceptin. I have gained weight, I have terrible joint pain. But I better work the same schedule I had before CA or I am not a team player.
Comments
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Maybe it's because most women going through breast don't have to worry about having a place to sleep at night, whether they can put shoes on their kids and food in their mouths. Lots of people have financial and/or insurance troubles during cancer, for some it's more than possibly losing a house, it's being homeless and having their kids taken away because of it, not having a phone to reach out in an emergency or a car to go to treatment. I've worked with the poor and indigent and learned that some of the things I considered a necessity are luxuries to some. I see nothing wrong with an article about the underpriveleged and their additional issues.
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I agree completely with what you are saying!!! Im a single woman who is totally self supporting and I would have lost everything if I had not been able to go to work everyday throughout treatment....heck, I have great insurance but Im still try to pay the co-pays to four surgeries plus the meds I now need to take....Im barely making it pay check to pay check so a little help somewhere would have been nice, but Im not considered low income or under-priviledged so am on my own.....
I think all woman or men that need a little extra helping hand no matter what their income should be able to get the help they need....it is scarey enough to have to live with the idea that I had cancer and to worry daily that it will return but to have to worry about money factors is totally insane......
I know people who are lifetime assistance receivers....there really isnt a reason other than they are lazy and it appalls me that they are allowed to be that way.....
Sorry for the vent but its how I feel...Ive worked nearly my entire life and mostly a couple of jobs at the same time to raise my kids without help from their dad...it just seems that I worked so hard to get where I was and now Im back to where I began and its all because Im what is classified in the mid-class pay scale so no help available....Oh well, I did it once I guess I can do it again, but I sure dont like the way it makes me feel....
Jule
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I hear you, Roctobermom - as my $20 co-pay for each radiation treatment I had (36 total) would have done me in had it not been for AFLAC - but I think the article may be trying to draw attention to the women who won't even seek or complete treatment because of the financial hardships. I read another article the other day about how some women were missing chemo because they could only afford to either buy groceries for the week OR pay for parking at the treatment center they went to but not both. You'd think that in this day and age - especially in the richest country in the world - situations like this should never happen, but they do.
Our local YWCA is a member of a program called the Healthy Women's Partnership that works to get un-insured, under-insured and women with high insurance deductables free breast and cervical screenings. You'd be surprised how many women wait between mammograms because they haven't met their deductibles for the year and can't afford to out-of-pocket that expense.
Bill Moyer had a show on yesterday about the "Missing Class" - the working folks who are not quite poor enough for government assistance and who have jobs, but whose employers do not offer health insurance for them or their families. A major health crisis like a bc diagnosis or even their child's broken leg would literally wipe them out. Harder to maintain if you are living hand-to-mouth. Harder still to rebound if that is your reality.
Again, I hear you, Roctobermom, but I do think that financially underprivileged women have additional issues to deal with. JMHO... -
Just curious, where was the article?
As someone who qualified for a bunch of aid (see this link), are you SURE you don't qualify? My experience is that the general upper income limit for grants was 4 times the federal poverty level - so, for a single-person household, that is 4* $10K = $40K.
I couldn't have made it through this year without help. The fact that my prescription copays are paid for by www.copays.org makes a world of difference. If you needed aid and didn't get it, I am so sorry.
re rads copays - there's a lot of help out there for chemo, but I haven't seen ANY for rads....am I just missing it or is it not out there?
Quick story - my HMO social worker actually told me that there were no resources to apply for. Boy was she wrong. Good thing!
Anyways, good luck out there to everyone!
If you need a BC retreat, Harmony Hill is free of charge regardless of income. Similar retreats cost thousands.
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Amy, again, you totally miss my point. I think I can count on anytime I post an opinion, that you will be there on the opposite side of the fence "shouting that the Emperor has no clothes." I have heard you. Some of us deserve to be heard as well. The underprivileged are written about and heard. Some of us middle class people go unheard.
I never said that there shouldn't be help for the underprivileged. See the second paragraph where I said that I didn't think the article was wrong.
My company does not pay for insurance. If you want it, you can pay the whole amount ... for some who need to get on a group plan it's good to just have it available. But I've always had my own since there was no cost benefit to join my employers' plans. I pay for me and my daughter. Single mom raising a daughter.
Time off work to go to follow ups and for blood tests is not easy to do. Taking time off for the surgeries was a real struggle. Yes, I will recover. But I have put off additional surgeries, my recon needs to be done, because of the time off work that it requires and it will all have to be unpaid. So, yes, I think us middle class women/men need someone to hear our voice.
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Hey Rockmom!
I am self supporting, pay $750 a month for health insurance that doesn't cover everything.
I am also self employed, so if I don't work, I don't get paid.
I had a meeting in manhattan today that I had to literally drag myself to because the xeloda has really been knocking the crap out of me- but I couldn't miss the meeting because it was for a new assignment... and a great one at that.
I don't have the privilege of being able to not work. And I also have cancer for the second time... I am entering my eighth month of chemo- I certainly couldn't take eight months off!
So yes! I sure do understand what you mean!!
On the flip side I met an underprivileged woman a couple of weeks ago. She is on medicare. She had a mast and wanted recon, but no medicare doctor did breast recon in her area. So she is going without. She told me how badly she wanted an implant there because she feels really self conscious.
I told her to contact our AG. She was shocked. She never knew that "regular people" could do that. I told her she needs to fight to get the recon that the law allows...
That kind of reaching out to underprivileged is a good thing I think.
I know plenty of well off women who don't know to demand better care.
Hell- we are all fighting so hard to be rid of this beast. WHY does the rest of it have to be so hard? Privileged or not????
We are ALL in the same Boat.
Love,
g
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No surrender, I agree, the under privileged should not have to worry about care, recon, etc. I believe all people are entitled to quality care.
In California (maybe other states) when a woman is pregnant, after the first co-pay, you no longer have to pay co-pays for your pre-natal visits. This law passed because some women could not afford the co-pay (whether it was $5, $10 or $25) to see the doctor for the required visits. So, for everyone, once you pay your first, that's it.
Why wasn't cancer counted like that? Why can't they alleviate the co-pay for an ongoing disease/situation like they do with pregnancy???
With a pregnancy, you get 6 weeks off before and 6 weeks off after .... all state disability.
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Rocktobermom:
I understood your first post and agree with you 100% While I believe all people should be able to obtain help, sometimes I hate myself for feeling judgmental when I see someone using food stamps for the "good" brands, then using cash to buy cigarettes and other luxury items (when once, a long time ago, my cart was full of generics and mark downs paid for with the money I worked so hard for). Breast cancer is different, and I think everyone should have the same opportunities for care. I don't have to work during my treatments and I realize how lucky I am to not be poor or reliant on the government for aid, but I also question how many people take advantage of the taxes we pay by overusing the system. It just doesn't really seem equitable at this point. The way I deal with it is to donate to the causes and people I've really researched and believe the money is going to the truly needy, not just to someone sitting around watching tv and playing on the internet all day. I wish the government agencies could be as careful with our tax money. I also wish they would look out for everyone, not just those who squeak the loudest.
Good luck. I hope you find some peace.
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I'm sorry; I hope I didn't offend anyone here who truly needs the help. It's just been a pet peeve of mine for many years. I think people who truly are trying deserve our help and support. The woman who wants a reconstruction should be able to get one. I see it like if her leg were amputated. Would anyone question her right to get a new one?
What I meant is that I wish government agencies would be more scrupulous in who they help and who they overhelp with our tax dollars, and divide the rest equitably.
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Please! The government can't even control its OWN spending (remember all those expensive toilet seats and wrenches?) - plus all congress members receive free healthcare FOR LIFE. Their issues in dealing with the health care system are not even close to what the average Jane and Joe have to deal with. For them, it's not broken, so why try to fix it? Perhaps THAT'S the real problem...
Edited to add: I found the video clip from the Bill Moyers Show. Find it here: http://www.pbs.org/moyers/journal/11022007/watch3.html (I still can't do a hotlink in this thing to save my life!). Click on "Katherine Newman" near the top of the section. The written transcript also appears below the video. -
Rocktober mom - sheesh....I didn't miss your point, in fact I think it was a given that I got your point. (Please give me the benefit of the doubt here. As you know, with cancer our resilience to stress is really decreased. Mine especially these days, as I wrap up rads following chemo. I have to assume that you didn't mean to be unkind, but it came off that way to me.) I actually consider myself part of the middle class (though maybe the harsh reality is that I'm not...sigh....), and I still qualified for aid. How is adding that piece of info. (meant to be helpful), ahem, "shouting" that "the Emperor has no clothes?" Ummm....deep breath...what kind of response is that? I was just chiming in, in a way that was meant to be friendly and conversational and yes, supportive, and now I feel really yelled at. Yikes. I'm so sorry if I somehow inadvertently stepped on your toes - it was not my intention whatsoever.
Also, said in the gentlest of possible tones, just so you know, I have no idea what you're referring to re: my responses to your previous posts? Maybe you're thinking of someone else? If not, most definitely let me know. I know I've seen your name before.....and please don't take offense....but other than that I don't remember what you've posted. Sorry, ...just chemo brain here...
There are so many preconceptions out there about what is "under-privileged" and what is "low-income" etc. etc. that I'm often very surprised that people who are technically "low-income" (HUD definition is 80% of median family income) don't consider themselves to be, and so don't realize that there is aid out there for them. That's all I wanted to add to the conversation, that there might possibly be a little bit of help out there for you, or for anyone else who thinks they might not qualify. And even if you don't qualify, it doesn't mean that everyone reading this won't.
In any case, peace, and I wish you the best.
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Rocktobermom, I'm with you on this! My insurance is labeled as "catastrophic" (sp?) and after I shelled out the initial $5k in deductables and such (I have a separate deductable for prescriptions) it payed mostly everything at 80% but I had to pay a lot up front. I argued many times with doctor's offices about insurance and it was frustrating. I worked during chemo because 1) I could and 2) I had to. If I'd gone on disability I wouldn't have been able to pay my mortgage, etc. I feel for those less finanically fortunate but cancer makes most of us less financially fortunate!
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Amya, I soooooooo didn't mean you..... I meant PinkRibbonAmy....please I don't think we have even met, I am sorry you thought it was you.
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Felicia, for the record, I didn't say the government should step in with the co-pays. My insurance waived them for my pregnancy because the law says they have to. I wish once you have a medical problem that REQUIRES follow up or additional care, that the co-pay would be waived. Everytime I see a doctor, it's $25. It was $100 for one rx, so I skipped it since it was not necessary (sleep/anti=anxiety) and then asked them to find a similar generic. Thankfully, I'm fine now but what if there wasn't a generic or if I couldn't sleep now?
Again, most of us worked because we had to. We couldn't afford to lose our jobs, houses and medical coverage. If there was mandated time off and job protection, this whole journey wouldn't be as stressful.
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Unstress yourself AmyaM - I'm pretty sure that Rock was referring to another Amy. If you read the first few posts you will probably agree with me.
I'm self employed too, but married and my husband's salary is sufficient for the necessities. It pinched to lose a half year's income from me and even though I am in Canada and didn't have to worry about medical bills, there are costs that come with cancer. I've never thought of myself as "priviledged" but clearly I am fortunate.
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I'm not going into great detail, but would you believe our new insurance will be requiring a $2200 deductible before we receive benefits. Now if you go once a year for a preventative visit it will pay 100%. But if you are sick you pay towards that deductible...specialists like oncs ect.
AT&T bought out Bell South. Good ole AT&T is screwing with us. Being that I do not have a crystal ball and do not know for sure if I should get a recurrence we will probably opt for the more expensive monthy payment which is $355 not including dental or visual. We no longer have co-pays. It's now co-insurance. Once we reach the deductible we pay 10% in network. However, if we choose to buy the $355 plan we have an out of pocket limit of $4100 (I believe). If we choose the $201 monthy plan our out of pocket would be $8200. If I knew that I wouldn't be needing chemo we would probably choose the cheaper premium. However, my dh has back problems and for an overnight stay it was $56,000..insurance paid $10,000.
Our insurance WAS wonderful. We met our $200 deductible each and we had co-pays of $15. Our prescription plan WAS the best. It will now be going up twice or more.
I feel guilty for complaining. However, when one has a high deductible it's usually for well people. We are retired and on a fixed income. This makes it quite difficult.
I never received one bill for my chemo, Neulasta shots, did have to pay co-pays for rads, paid the $200 deductible, did not have to pay surgeon and I can't remember what else. It was great! But "GREAT" is over. Now it's a matter of waiting for us to be eligible (old enough) for Medicare...wishing our lives away?
I suppose we could sell our house and get a car that is less than we need. Ya know, my dh husband worked years and we raised three lovely daughters, put them in private schools and gave them a college education and we refinanced, borrowed, ect. in order to give our children a great start in life. We took care of their teeth and their health. And we helped with two weddings. Yes, we've been spoiled. However, if you were our ages one thing most people stuck with was THEIR JOB so they COULD GET the benefits. We are not prepared to contribute to a health fund.
I have been wrecking my brain (what's left of it) for days trying to decide which plan to take. I think we've made that decision. And that means our spending for pleasures will be cut greatly.
Yes, we're lucky to have insurance. So, I don't need a lecture.
I understand, Rocktobermom. We don't want women, men and especially children not to get help where help is needed. I have seen the system misused by one of my brothers and it makes me sick. I've seen it misused by others as well. I would rather pay for my healthcare than to let the government take control of it.
I've rambled enough.
Shirley
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And when you and I go on Medicare, the gov't will BE in total control!
I have a year left before 'care, and I pay 2400 a month, that's with a drug plan in case I have a recurrance. That's the best I could get, and a PPO. Huge deductable. It is what it is.
I am grateful that we saved the past few years before we retired so that I could be covered this last year when dh went on 'care and I had to go private ins with no group policy.
We've done without a lot of things, not suffered, but just don't do a bunch of stuff till I turn 65 and don't have to pay out the nose for ins. to cover a possible recurrance.
It still costs me 450 to get an MRI, how about that! you'd think they'd pay ME!
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Roctobermom...I agree with you. You should be getting some kind of help, benefits.
Our system is very different and I did get transportation so I could get back and forth to the hospital since we live so far.
What appalls me is that fact that so many Americans are not covered by health insurance, especially younger Americans who are just out of college and don't have good jobs yet. We are fortunate that even the underprivileged are covered and can get their chemo with a minimal charge. We have socialized medicine here.
I really do feel for all the classes of Americans because when it comes to medicine, you pay a lot out of your pockets. I honestly don't know how you do it!
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Can a person not sympathize with both these groups of people?
I'm not American, but whenever I go there I'm struck by the extremes of wealth and poverty.
Why so much abundance, even obscene excess, at the top, and then everyone else has to fight it out?
It seems like a false scarcity has been created to make people turn on and resent each other.
That being said, things are not stellar here in Canada. We do have universal health care, so you don't have to think about the costs of your treatment, but we've experienced more and more contracting out and self-employment, so fewer and fewer people have benefits, can take time off work, get prescriptions covered by insurance etc. -
Darya..I also don't live in America and our meds are also covered by the government. We pay minimally for them..token gratitude really.
And I agree with you..all people need to be taken care of. It is very appalling that there are rich people in the States and yet there are many people in the States that can't afford their meds.
I'm American but have been living out of the country for a long time and I know that because of the medical system there, I won't be able to return to live there.
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Roctobermom, I never mentioned anything about the government covering copays - you must have me confused with someone else. I said exactly what most people who've chimed in have: co-pays can wear you out, even if you do have the $20 per visit or per perscription to cover it. What I mentioned in my first post was an article I read about the additional "cancer premiums" we have - like paying for parking at the treatment center. The article talked about how some women were missing treatments because they couldn't all afford to pay for both their co-pay and parking.
I think we can all agree that the health care system in the US is an absolute mess. I'm self-employed also and had to work through treatment because I if I don't do it, it doesn't get done. Like I guess it is for most of us, not working meant getting behind in my bills and possibly losing my house. Still, I would have been able to eat/feed my child. For too many Americans - single moms, seniors, working folks who need both imcomes to stay above water - the choice is often between paying for healthcare/treatment and paying for groceries, which absolutely should not be.
Dealing with a catostophic illness is stressful enough. How to pay for it shouldn't be such the concern that it is. -
Felicia, since you're a reporter, I chose to say "for the record" ... just my pun. But I was referring to your comment about the government who can't control their own spending .... I think the hmo's, etc make enough money without getting the gov't involved and spending more.
Again, we ALL know the underprivileged need help. No denying that. And this rant of mine is not about them or who deserves more help. This rant is about most of women here on bc whose voice is usually ignored when it comes to assistance.
If I had lost my house, I would be in an apartment, food yes, but the future of my daughter and my heart's desire to send her to college would be ruined. Getting cancer shouldn't ruin your dreams, take away your job, house, ability to provide what is really needed for your kids or what you've worked all your life for. Obviously, now that we've had cancer, how do we qualify for life insurance not to mention we will never qualify for disability insurance if we don't already have it unless you specifically exclude cancer as cause of death or disability.
Shirley and hubby, I am sorry that cancer has done this to you!!
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Roctober, my comment about government spending was directed at Friendnneed, who said she wishes "government agencies would be more scrupulous in who they help and who they overhelp with our tax dollars, and divide the rest equitably."
Gheesh - I really miss the "Reply to" button from the old board! -
Ravdeb, if I remember correctly, you live in Italy?
I'm curious about their system. Are prescriptions covered also? Is there much home care available and is that covered also? -
Rocker, you missed the point I was trying to make--it's all about surviving. It's noble that you want to send your child to college, even if you can't, there's lots to be said for students taking on the expense of schooling and the responsibility that comes with it. Things happen, people are in hurricaines, fires, natural disasters, have illnesses-- life is hard for lots of people and puts undue financial burdens on some. If you take the time to see all that you do have you might have a more positive perspective on things.
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United States should have a universal health care plan just like we do in Canada. Think of the children who are ill and don't get the help they need because of the fact that some very rich lobbiests are always trying to stop it. With the billions of people who live down there you should have a wonderful universal health care system it makes no sense to me that any women or man should have to work while on chemo how the heck could you even do a perfect job with the fatique and chemo brain. I don't get it. With all the monies being spent on nonsense I don't see why it couldn't happen. I will admit there are times that you have to wait but thats still better than losing a home or chidren and pets. It all just makes me sad. And where is the Cancer Society in all of this with the billions and billions that are donated each year. Find out exactly what your local spends on Adminsitration in Manitoba (in Canada) people were so upset when they found out 40% went to Admin that they stopped donating now that didn't help anyone. There needs to more and more audits competed on all organizations public and private.
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Reply to: PRAmy:
I am not coming to you for advice or input. I didn't say that I have a negative attitude or have need of a more positive attitude. I am giving a comment/rant on an issue. Thank you for your point of view. Are you that insensitive???? Who would ever come to you for help?
So, in other words, you are saying that everyone should always look to the less fortunate and keep their mouths shut and that will keep their attitudes positive. I think someone else needs to put on some clothes.
Sorry if you think me and the other ladies are just complainers and in need of an attitude adjustment.
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Thanks, Rocktobermom, for you nice comment.
I can say that we had exceptionally good insurance through my bc treatments and EXCELLENT prescription plan. It's now that I am worried.
Isn't it strange, Roctobermom, how we want to give to our children? We want our children to have lives EVEN better than we did. I'm not saying it's bad for kids to work for their college education. However, we chose to do what we did and our girls are grateful. They worked during the summers for their spending money. They didn't own a car while in high school OR college. Everyone else did. We couldn't afford it. And believe it or not, they did not resent the fact that we couldn't afford to buy them a car and insure them. They bought their own after college. Well, except for my middle daughter...she bought one while in college. CHEAP ONE! LOL
My oldest daughter put herself through law school several years after finishing undergrad. Our limit was four years.
My children are great, great young ladies. And responsible. They have NEVER given us any problems. Am I bragging? You bet'cha. That's a mother's (and father's) privilege. I'll brag on them 'til the day I die.
Shirley
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We better be careful for what we ask. I personally do not want the government totally taking over my healthcare.
I was watching the Discovery Health Channel. I love watching new babies being born. Pretty soon I'll be haning a shingle outside my door advertising that I got my schooling for the television and now am able to deliver babies.
Anyway, there are women in Canada who have to come over here when they have high risk pregnancies because Canada does not have enough facilities (or whatever). And, yes, Canada does pay for them to come here, but the ladies are not happy. They, understandably, want to have their babies at home.There's NO easy answers to our healthcare mess. Be advised. IF we get universal healthcare our taxes will sky rocket.
We do have different socioeconomic backgrounds here. It's called Capitalism.
Shirley
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I am so glad you have seen the fruits of your labor. My real life chemo buddy who I sat side by side with all our treatments has mets, just told me on Sunday.
Makes me scared the same will happen to me and I will be stuck working for the last months/years of my life in order to keep insured and a roof over my head.... instead of enjoying my daughter as much as possible.
I am sure your children brag on your sacrifices and hard work. I know that when my dad and I were talking the other day about how my 6 year old skis and I took her to her first musical, Wicked, he started crying. The fruits of his labor were now being seen in his grandchild. The money he set aside so we could have ski lessons and see musicals has created a legacy.
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