Rather long hiatus because I am back at work, and it has been busy juggling work and the kids. But back on the infusion unit today for a (theoretically) quick herceptin infusion. I was inspired to write this posting because the infusion unit was running over an hour behind schedule... causing me to take more time off of work, and costing me both time and money.
The Cost of Cancer and Chemotherapy:
The direct costs of medical disease tend to be (reasonably) transparent- in the case of "catastrophic illness" (which breast cancer is), deductables are higher than for usual care, but predictable.
My almost every measure, I had "good" coverage- and still have paid out over $15,000 towards various deductables and co-pays (partially because, due to my medical condition, my husband and I switched jobs several times, and so every time we got close to the maximum out of pocket deductable, we had to start again from square one).
What insurance did not cover: physical therapy pre-radiation ($1000-- this is still an ongoing debate with the insurance company), most of the cost of genetic testing for BRACA ($500), acupuncture (approximately $90 per week x 18 weeks = $1620), most of the cost of a wig ($1250), and medications ($500).
Which gets me to approximately $19,370 in just pay-outs for medical bills, treatments, and supplies-- a number that does not include the costs of parking, childcare, complimentary therapies (massage, personal training- both of which improve outcomes), lost time from work, and lost wages.
Of these- the biggest single dollar amount is the lost wages. Because of my diagnosis, both my husband and I took interim positions that paid less than 30 percent of our contracted salary so that I could get treated. When we did move to start our new positions, I did not work for approximately three months until all of my treatments were completed. Thus, in total, we made approximately one-fifth we were expecting to make during that that 8-month time period.
Cancer is expensive!
I owe a picture of my hair (which now looks like I was going for short). I dyed it darker so that it appears to be thicker, but that is probably not necessary at this point (it helped a lot just as it was starting to grow back). Hopefully the summer sun will take care of that ;)