RE: [MOL] Insurance Companies [12509] Medicine On Line


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RE: [MOL] Insurance Companies



I'm with you guys!  No health number!  -- Liz

-----Original Message-----
From:	Ross Ylitalo [SMTP:raylital@mtu.edu]
Sent:	Monday, July 20, 1998 8:08 PM
To:	mol-cancer@lists.meds.com
Subject:	Re: [MOL] Insurance Companies

Lillian,

Heath number?  Hmmm...that sounds like a tricky issue to me--it sounds
like something that *could* be abused.  Tonight, for example, I went and
looked at a house and property that my wife and I are interested in--I'm
a "secretly" a little worried about what "Mr. Bankman" will think of my new
hairless head--could that possibly skew his opinion on how much money
he has available for lending???  Never mind that I plan on being around
much longer than I think he will.

And then there is always the issue of getting a new insurance company
some day--I'd rather talk to "Mr. Insuranceman" in person than have some
computer kick me into the "Nope, Nosir, No-can-do" pile without so much
as a handshake!  Right now, if I'm looking at the Help Wanted section of
the paper, one of the first questions that comes to mind is "wonder if they
have group health insurance, and if so, would I be able to *sneak* in?"

For that matter, I have to admit wondering if potential employers would
be prejudiced against me based on my new hair-do.  Can I, for example,
be placed on a big project that will take a number of years?  Maybe that
new kid without any experience wasn't so dumb as first impressions
led them to believe???

You're right Lillian, I'm not a number!  Speaking of songs, there was a
neat "Bob Cigar" tune with that line in it: "I'm not a Number."  If my
computer had a mic on it, I'd sing it and attach it as a computer virus--
literally shatters your monitor!

Now I'm really getting riled up!  Its pitchfork and torches time!  We'll
march
on Washington!  All twelve of us!  No, I don't like the idea of having a
health number.  In fact, I think it really stinks!  I'm a database person by
profession, and I have experienced that a lot of information can be tied
into one little number!

Down with numbers!!  I want my slide rule back!!

Love, peace and other kind words....

Ross


-----Original Message-----
From: lillian jennings <firefly@islc.net>
To: mol-cancer@lists.meds.com <mol-cancer@lists.meds.com>
Date: Monday, July 20, 1998 10:40 PM
Subject: Re: [MOL] Insurance Companies


>Yes Ross, my insurance co. has been great also; but they are not a HMO, big
>difference.  Are you in favor of getting a health nbr.?  The gov't. wants
to give
>everyone a health nbr. to track our health throughout our lives, ofcourse
the
>insurance co. love the idea.  My live is boring; but I have had one hell of
life
>with cancer, really interesting....Love your friend, Lillian
>
>Ross Ylitalo wrote:
>
>> Someday I'm gonna write a note about how good my insurance company has
>> been.  We all have plenty of time to talk about how lousy insurance
companies
>> are, but mine has been so good I'm gonna write them a letter sometime.
They
>> have been unbelievably easy to deal with!  Wish I could remember what
>> company it was--LOL, we take so much for granted when it works!
>>
>> Love,
>>
>> Ross
>>
>> -----Original Message-----
>> From:   lillian jennings [SMTP:firefly@islc.net]
>> Sent:   Monday, July 20, 1998 5:03 PM
>> To:     mol-cancer@lists.meds.com
>> Subject:        Re: [MOL] Insurance Companies
>>
>> Gosh Cathy, I thought clinical trials were free and then I read someplace
where
>> different hospitals provide more for the patients than other hospitals.
Have
>> you talked to NCI @ 1-800-4-cancer, I believe they can give you the most
>> information.  I am attatching my welcome letter as it has information on
>> insurance; etc. they may be of help to you.  I feel the more HMO's we
have the
>> more we are going to see these types of problems.  Your friend, Lillian
>>
>>       WELCOME TO YOUR MOL CANCER FORUM
>>
>>      Here you will meet a wonderful caring group of individuals who are
>>      cancering or who are loved ones  and friends being  advocates for
those
>>      cancering.  Individuals in this group are not in the medical
professional
>>      field.  Therefore,we do not endorse a treatment, drug or product.
Our
>>      people combined do have many year's of accumulated knowledge and
>>      expierence, who come from all walks in life and are able to lend
tremendous
>>      assistance to help you walk through this journey.
>>
>>      There are a few matters of importance to address.
>>      It is the general assumption of the group that one can use
alternative
>>      treatments (with your doctors permission) in conjunction with
traditional
>>      therapy.
>>      We feel that an individual who has had testing and is returning to
the
>>      doctor should take someone with them as an extra set of ears.
>>      It must be remembered that this is a most stressful time for you.
We also
>>      agree that a second or even a third opinion is healthy.  One needs
to shop
>>      for the right doctor for them; as each of us are so different not
only in
>>      personality; but our bodies react differently.
>>      You should be seeking nothing but the best doctors and hospital,
remember
>>      this is your life and you want to be in control.  The best way to be
in
>>      control is to acquire all the information needed for your particular
>>      cancer; so that you and your doctor can descide the best treatment
for you.
>>
>>      We find stress is our worse enemy, it is so important to remove
yourself
>>      from stressful situations and non positive thinkers.
>>      There are so many new drugs and treatments our there for most
cancers that
>>      lend hope to all.
>>      Be prepared for you doctors visits with questions.  Should the
doctor
>>      interrupt you while you are questioning explain that you have more
>>      questions.  Make sure the doctor speaks to you in lay terms and that
he is
>>      positive also.
>>      Too often the doctor will give a gloomy statistical report, thus
taking
>>      hope away from the patient and we find so many people who far out
live the
>>      guess of any doctor.  Last; but never least make sure that you eat
healthy
>>      and that you keep your immune system built up.
>>      Again, we are here for you, we are a place of compassionate comfort,
a
>>      place you can rant and rave knowing that we too have done that.  A
place of
>>      shelter; whereas all of us know what you are going through.  Your
friends
>>      of the MOL CANCER FORUM
>>
>>                                      TRADITIONAL SITES
>>
>>       National Cancer Institute      http://rex.nci.nih.gov
>>      Univ of Penn                         http://cancer.med.upenn.edu
>>      Cancer Notes on the Net      http://www.cancernews.com
>>      Medicine On Line                 http://www.meds.com
>>      MD Anderson                       http://www.mdanderson.org
>>      Mem. Sloan-Kettering          http://www.mskcc.org
>>
>>      Alternative Medicine
>>
>>            www.canceranswers.com
>>            85% CancerAnswers - Alternative Treatments
>>            84% Cancer Information -Alternative Treatments
>>
>>       www.chiro.org
>>            84% CANCER TREATMENTS/ ALTERNATIVE
>>            84% Alternative Remedies for Cancer and other diseases.
>>
>>       www.meds.com
>>            84% Re: Alternative cancer treatments [00299]
>>            83% 5. Internet Resources on Cancer
>>
>>      MEDICAL DICTIONARIES
>>
>>        BOOKS                                "50 Esential Things to Do
When the
>>      Doctor
>>                                                        Says it is
Cancer", Greg
>>      Anderson
>>
>>                                   HOME HEALTH CARE
>>
>>      National Association for Home Care
>>      c/o Consumer Guide
>>      P.O. Box 14241
>>      Washington, DC 20003
>>      (202)547-7424
>>      (202)547-3540 FAX
>>      Web site: http://www.nahc.org/
>>      Trade association providing referrals to home or hospice care.
>>
>>      The Oley Foundation
>>      214 Hun Memorial, A-23
>>      Albany Medical Center
>>      Albany, NY 12208-3478
>>      (518)262-5079
>>      (800)776-OLEY
>>      E-mail: mailto:taylor@ccgateway.amc.edu
>>      Web site: http://www.wizvax.net/oleyfdn
>>      Support for home enteral and/or parental nutrition therapy.
>>
>>      Olsten HealthCare
>>      175 Broadhollow Road
>>      Melville, NY 11747
>>      (516)844-7800
>>      (800)66-NURSE
>>      Web site: http://www.olsten.com/
>>      Provides home health care services including chemotherapy, nutrition
and
>>      hydration therapies, pain management, physical therapy, and general
nursing
>>      services.
>>
>>      Visiting Nurse Association of America National Office
>>      3801 East Florida Avenue, Suite 900
>>      Denver, CO 80210
>>      (888)866-8773
>>      (303)753-0218
>>      Provides skilled nursing and assisted living services.
>>
>>      Amherst H. Wilder Foundation
>>      919 Lafond Avenue
>>      St. Paul, MN 55104
>>      (612)642-4000
>>      (612)642-4068 FAX
>>      Web site: http://www.wilder.org/
>>      Provides assisted living and nursing home care services for the
elderly in
>>      the Minneapolis area.
>>
>>      Childrens' Hospice
>>      2202 Mt. Vernon Ave., Suite 3C
>>      Alexandria, VA 22301
>>      (703)684-0330
>>      (703)684-0226 FAX
>>      E-mail: mailto:chiorg@aol.com
>>      Web site: http://www.chionline.org/
>>      Provides information and referral services,counseling, support
groups,
>>      education, and research aimed at improving hospice care for
children.
>>
>>      Choice in Dying
>>      1035 30th Street NW
>>      Washington, DC 20007
>>      (202)338-9790
>>      (202)338-0242 FAX
>>      Web site:http://www.choices.org/
>>      Advocacy organization for end-of-life rights;provides legal
counseling and
>>      information on end-of-life decisions.
>>
>>      National Association for Home Care
>>      c/o Consumer Guide
>>      P.O. Box 14241
>>      Washington, DC 20003
>>      (202)547-7424
>>      (202)547-3540 FAX
>>      Web site: http://www.nahc.org/
>>      Trade association that provides referrals to local hospice
organizations.
>>
>>      Hospice Education Institute/Hospicelink
>>      190 Westbrook Road
>>      Essex, CT 06426
>>      (860)767-1620
>>      (800)331-1620
>>      (860)767-2746 FAX
>>      E-mail: mailto:hospiceall@aol.com
>>      Provides information and referral services,education, advice and
assistance
>>      regarding hospice and palliative care.
>>
>>      National Hospice Organization
>>      1901 N. Moore Street, Suite 901
>>      Arlington, VA 22209
>>      (703)243-5900
>>      (800)658-8898
>>      (703)525-5762 FAX
>>      E-mail: mailto:drsno@cais.com
>>      Web site: http://www.nho.org/
>>      Provides information and referrals to local hospitals, patient
advocacy and
>>      professional education.
>>
>>      National Institute for Jewish Hospice
>>      8723 Alden Drive, Suite 219
>>      Los Angeles, CA 90048
>>      (310)854-3036
>>      (213)HOSPICE
>>      (800)446-4448
>>      Provides free telephone counseling and referrals; trains
professionals in
>>      the art of helping the Jewish terminally ill.
>>                                              RESOURCES/ LEGAL
>>
>>      Americans with Disabilities Act
>>      U.S. Equal Employment Opportunity Commission
>>      Office of Legal Council
>>      1801 L Street NW
>>      Washington, DC 20507
>>      (202)663-4503
>>      Provides information and legal assistance regarding discrimination
due to
>>      illness or disability
>>
>>      Family Medical leave Act
>>      U.S. Department of Labor
>>      Wage & Hour Division
>>      200 Constitution Avenue NW
>>      Washington, DC 20210
>>      (202)219-8412
>>      Provides information on employment rights during medical leave due
to
>>      illness
>>
>>                          Support Services: Finance & Insurance
>>
>> American Association of Health Plans
>> Membership Department
>> 129 20th Street NW, Suite 600
>> Washington, DC 20036
>> (202)778-3200
>> Web site: http://www.aahp.org/
>> Insurance industry trade association that will provide information on
insurance
>> and health care issues.
>>
>> Blue Cross and Blue Shield Association
>> 675 North St. Claire Street
>> Chicago, IL 60601
>> (312)440-6000
>>
>> Department of Health and Human Services
>> Inspector General Hotline
>> Office of the Inspector General
>> P.O. Box 23489
>> Washington, DC 20026
>> (800)368-5779
>> U.S. government hotline for complaints regarding Medicare or Medicaid;
provides
>> assistance with issues of entitlements, benefits, insurance, and
community
>> resources.
>>
>> Disabled American Veterans
>> 807 Main Avenue SW
>> Washington, DC 20024
>> (202)554-3501
>> (202)554-3581 FAX
>> Web site: http://www.dav.org/
>> Provides assistance with health benefits for U.S. veterans.
>>
>> Hill-Burton Free Hospital Care
>> 5600 Fishers Lane, Room 7-47
>> Rockville, MD 20857
>> (800)683-0742 Hotline
>> (301)594-5999 FAX
>> Web site: http://www.hrsa.dhhs.gov/bhrd/dfcr/dfcrmain.htm
>> U.S. government program that can arrange for cost-assisted care for
>> disadvantaged individuals at certain medical facilities or hospitals.
>>
>> National Insurance Consumer Hotline
>> 1001 Pennsylvania Avenue, NW
>> Washington, DC 20004
>> (800)942-4242
>> Provides assistance in finding insurance coverage, information on
insurance
>> issues and a consumer complaint service.
>>
>>                                             SUPPORT SERVICE TRAVEL
>>
>>                                              Support Services: Hair Loss
>>
>> Look Good, Feel Better
>> The American Cancer Society
>> (800)395-LOOK
>> Teaches women who have undergone cancer treatment how to improve
appearance
>> through cosmetics, wigs, scarfs, etc.
>>
>> Y-ME WIG
>> 212 West Van Buren Street, 4th Floor
>> Chicago, IL 60607
>> (800)221-2141
>> (312)294-8598 FAX
>> Web site: http://www.y-me.org/
>> Provides donated wigs free of charge.
>>
>> Telesco,Cathy wrote:
>>
>> > Nanc:
>> > I, too, thought that clinical trials were supposed to be free.
However, the
>> > Dr at Memorial Sloan Kettering said that my Dad's insurance won't pay
for
>> > it.  The meds are ok because they will be administered to him here at
our
>> > local hospital and not in NYC.  Could it be because it is an HMO?  I
will
>> > have to do some more investigating.  Even my Dad's primary care
physician
>> > called my Mom on the day before his appointment to let them know that
only
>> > the 2nd opinion consultation is covered but that any care he gets at
>> > Memorial will not be...Does this sound wierd?  The other thing that I
>> > questioned was that here we were, at a state of the art cancer center,
and
>> > when I asked the doctor about alternative treaments to be used in
conjuction
>> > with conventional treatment, he dismissed it as "hogwash".  I would
think
>> > Memorial would be a little more open-minded - I was somewhat
dissapointed.
>> > Sorry to ramble...
>> > Cathy
>> >
>> > > -----Original Message-----
>> > > From: NLPOST@aol.com [SMTP:NLPOST@aol.com]
>> > > Sent: Monday, July 20, 1998 3:28 PM
>> > > To:   mol-cancer@lists.meds.com
>> > > Subject:      Re: [MOL] Insurance Companies
>> > >
>> > > Hi Cathy,
>> > > What won't your Insurance company pay for?  If it is a clinical, I
thought
>> > > they were supposed to be free, and if the Meds the Dr. wants to give
him
>> > > first
>> > > is FDA approved, your insurance has to pay for them.  Maybe the
Insurance
>> > > company misunderstood just what you wanted covered.  Let me know what
you
>> > > find
>> > > out about all of it.
>> > > Love and prayers to you and yours,
>> > > Nanc
>> > >
>> > >
>> > > In a message dated 7/20/98 3:20:27 PM Eastern Daylight Time,
>> > > cathy.telesco@gartner.com writes:
>> > >
>> > > << Can any molers out there comment on how they dealt (or are
dealing)
>> > > with
>> > >  their insurance company's refusal to pay for treatment at another
>> > >  hospital?  I took my Dad to Memorial Sloan Kettering on Friday
morning.
>> > >  There is a clinical trial that he can participate in - but the
doctor
>> > >  wants to try 5FU with Mitomicin first (for two months).  Failing
that,
>> > >  my father is eligible to participate in a clinical trial that is
being
>> > >  conducted at Memorial.  However, his HMO, Kaiser Permanente, says
they
>> > >  will not cover this! What do you do?  Do you just rack up medical
>> > >  charges and incur an unbelivable amount of debt?  There just has to
be a
>> > >  better way.  Any advice would be greatly appreciated...Cathy >>
>> >
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>>
>> --
>> MZ?
>>  << File: ATT00000.html >>
>>
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>
>
>--
>MZ?
>
>
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