Dec 04, 2012 - 5:15 pm
I have been making slow progress towards a possible stem cell transplant, undergoing salvage chemo right now in the hospital as I write this message.
I received an unexpected phone call yesterday from my "transplant coordinator" that I am in an exclusion period, and my insurance will not pay for the transplant until next summer, when I have been in their plan for 24 months (and dead from cancer too).
Has anyone else run in to this kind of setback? I went through all my insurance paperwork, and I am indeed not covered, so fighting the insurance co. is of no use. They're still paying for my R-ICE treatment that leads up to SCT, which makes it all seem like a really bad cosmic joke.
My next step is to talk with the "financial team"... I guess to get on a payment plan? It's really tough to consider continuing down this path with such worry about overwhelming debt. For lack of better words, it gives me less to continue fighting for.
What would you do? I'm still yet to talk with the financial people, so there may be hope of something to assist me here.. but I know that a allo SCT can run up to 100K. Are there any other options to take place of the stem cell transplant?