Re: Health Insurance & Transplants

[Guest guest]

I posted the following this morning, but didn't see it...so I

apologize if there is a duplication.

My children have double coverage...primary insurance from their father

and secondary from my husband and myself. This is costly, but was

worth it when Todd went through transplant. I never would have

thought we needed all that, but Todd met his 1 million lifetime limit

after his second transplant., and at that time the secondary insurance

kicked in. Everyone is different...if you have a lot of

complications, procedures and lots of hospital stays before transplant

then the transplant (or 2 if needed) can push you over that limit.

Hospital and healthcare costs continue to rise and $1 million doesn't

go as far as it used to. When it came time to renew our policy I

chose the policy with no lifetime maximum. It is very costly for our

small business, but with Todd's recurrent PSC/AIH overlap, transplant

complications and possibly another transplant in the future I chose to

play it safe at least for the time being. He graduates from college

in May and then who knows what kind of insurance he will have

available to him.

Together in the fight, Whatever it takes!

Joanne (mom of Todd, 22, psc 01, crohns 02, tx twice 03, rPSC 05,

diabetes 06, AIH overlap 08, recovering from C Diff and doing his best

to live life to the fullest 09)