Cancer Insurance

Back in 1990, before my wife and I were married, she purchase a cancer insurance policy that applied to her as well as her husband should she married which she did about 8 years later.  In 2007, when I was 60 years old, I was diagnosed with non-Hodgkin's "B" Cell Lymphoma and about 3 years after that, my wife was diagnosed with non-Hodgkin's Folicular Lymphoma which she believes came from her use of a pesticide.

The cancer insurance immediately paid us both a lump sum of money for the initial diagnosis and according to the policy, for every year of treatment they would pay us a lump sum of money as well.  I started my treatment protocols in 2008 and for the next 13 years, I have been under ongoing monthly treatment for my cancer, and according to my Oncologist those treatments will continue each month for the rest of my life.

My wife however is in remission and has been in remission for over 5 years.

Every year about this same time in May, we submit a claim to our cancer insurance company for their agreed to allocation for my ongoing monthly treatments.  AND...  every years about this same time in May, our cancer insurance company contacts us and lets us know that our claim has been denied.

Each time we contact them about this, they tell us they need another piece of documentation which we retrieve immediately and about 60 days later we are paid in full.

This year, our claim was once again denied but not because of another document needed but because we submitted it two days before our new year began.  Because, those two days, put us into a new monthly cycle, we had to get documentation from our Hospital for the next month.

This is what pisses me off and others off about the healthcare industry...  and, if the Federal Government get their claws into healthcare, it is only going to make the SYSTEM WORSE...

There ain't nothing effective and/or efficient about the flow of work and productivity when the damn government is involved.