When doing radiation in 2009, which then carried into 2010, how did your insurace work?

Options
Different Ballgame
Different Ballgame Member Posts: 868
edited March 2014 in Breast Cancer #1
I started radiation on December 1, 2009. I ended radiation on January 18, 2010. My BS/BC started 2010 as a fresh year and so everything that I paid beginning with the recurrence in October 2009 ended in 2009. That is normal. I was hoping, however, that the radiation would carry to the full term. For 2010 I have to start all over again in paying doctors and services for radiation. Is this how your insurance worked?

Janelle

Comments

  • mwallace1325
    mwallace1325 Member Posts: 806
    #2
    Options
    Insurance
    That is the way mine worked as well. As of 01/01/10 it was a whole new ballgame, with a new deductible and new co-insurance. I started radiation late November and finished January 15th 2010. The good thing of course is that we're finished, the bad is that it cost extra.
  • cindycflynn
    cindycflynn Member Posts: 1,132 Member
    #3
    Options
    That sounds right
    Although my radiation didn't cross over the years, my chemo did. Generally, insurance coverage is based on the date the service is received. I haven't yet seen the bills for my radiation, but I'm guessing they'll bill each session individually (looking forward to going through all of those EOB's!!).

    I was actually very happy that at least my cancer center bills everything through them, so I don't have to worry about getting bills from all sorts of different providers for labs, x-rays, etc. I just have to keep track of what the insurance company is paying the cancer center, and even that's a lot.
  • MAJW
    MAJW Member Posts: 2,510 Member
    #4
    Options
    Insurance
    Janelle,

    I was wondering the same thing, although all my "treatment" ended in 2009......but I have had check ups, blood work, gyn checkups, etc. so far in 2010....my insurance carried over....I don't even have to pay the deductable for 2010..very fortunate! This is because BC is considered, at least with my insurance and my particular policy an ongoing "disease.".....also it depends on what type of policy one has....there are many different options. I only have to pay my copay...again very fortuante! BC "ain't cheap!"

    I wish you well.....
  • New Flower
    New Flower Member Posts: 4,294
    #5
    Options
    MAJW said:

    Insurance
    Janelle,

    I was wondering the same thing, although all my "treatment" ended in 2009......but I have had check ups, blood work, gyn checkups, etc. so far in 2010....my insurance carried over....I don't even have to pay the deductable for 2010..very fortunate! This is because BC is considered, at least with my insurance and my particular policy an ongoing "disease.".....also it depends on what type of policy one has....there are many different options. I only have to pay my copay...again very fortuante! BC "ain't cheap!"

    I wish you well.....

    Janelle
    I have BCBS and paid new deductible, co-insurance, and doc visits. It is probably depends on your plan policy. Ask your company benefit administrator to give you policy or call insurance with your specific question. In my plan every year I have to start over: deductible, co-insurance maximum, doc. copayment.
    Wishing you the best,
    New Flower

Discussion Boards