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Here's something they don't tell you when your heart suddenly just DIES for no reason (probs a virus but???) and w/o warning you have to get put on the transplant list and hope you don't die before you get one:
You have to get financial approval from the transplant team.
You have to get financial approval from the transplant team.
We had a LOT of scary meeting then, signed a lot of paper work with words like "sudden death" in them. And right in the middle of that, we had to prove to a financial advisor that we could pay for the surgery and the medicine.
It wasn't just showing proof of insurance, although there was that. We were told that we'd need about 25k out of pocket for the first year (IF no complications), for what insurance didn't cover. And then to factor in the LIFELONG, expensive medications for every following year.
During this financial planning meeting, we talked about how we could sell one of the cars. Put the house on mortgage--even sell it and live with my mother if we had to. I called my mom to see if we could move, if things went south.
The financial advisor mentioned that we could use a GoFundMe, something that both felt impossible at the time (thank you for proving me wrong) and which was ridiculous, bc seriously, America, even the authorities are suggesting crowd-funding health.
I've been working three jobs and picking up extra gig work as I can since that moment. A loophole meant the husband didn't qualify for disability. A pandemic eliminated 2 of the 3 jobs after. The GoFundMe kept me from ruinous debt.
For a heart
From a virus attack
In a system where we've been paying insurance, dutifully
We did everything "right" and were almost financially ruined
And if we'd have been a financial risk? If we can't have been approved? My husband wd be dead.
From a virus attack
In a system where we've been paying insurance, dutifully
We did everything "right" and were almost financially ruined
And if we'd have been a financial risk? If we can't have been approved? My husband wd be dead.
It astounds me that some Americans don't want universal healthcare. It is so callous to just determine that money dictates who lives and dies. We could so easily change the system, but ignorance and selfishness create strong bonds.
I hope they're not unbreakable.
I hope they're not unbreakable.
Because this has gone a bit outside my circle:
My husband did get the transplant. A GoFundMe saved us, quite literally. I’ve continued working as much as possible, and by the end of the year will have written 3 books. I pray they sell; we did have complications.
My husband did get the transplant. A GoFundMe saved us, quite literally. I’ve continued working as much as possible, and by the end of the year will have written 3 books. I pray they sell; we did have complications.
