Dive Bar Casanova
New Member
I was double insured with two premium health insurance policies. Wifes and mine. Dual insured is useless.
No cancer hospital accepted either one to treat my colon cancer that was bleeding and about to spread.
The policies were HMO. I had no clue that beyond being able to pick your own doctor with a PPO, most hospitals don't accept HMO unless an emergency. They want PPO.
With HMO I was offered 15 year old treatments than meant radiation, older, severe chemo methods and a colostomy bag for life.
The newer methods offered at top cancer hospitals was newer, milder yet more effective chemo and some surgery. No radiation that would leave horrible side effects and no colostomy bag with the newer treatments.
My Medicare now beats them all. I have the PPO supplement with it and I can't stress that enough. Get the PPO supplement. HMO supplement and you are in for no options, no state of the art treatment.
I was among the very first to get the Avastin Chemo if not the first. It's a wonder drug. The Symptoms vanished in about 3 days, the cancer gone in 3 months.
In California if it's a study drug, by law the hospital has to give you treatment with an HMO. I dodged a bullet, the Avastin was a study drug. The Drug company picked up half the tab the dreadful HMOs grudgingly picked up the other half of it.
Friends that went snake oil died in about a year. "Fruits and nuts, and extract of Licorice root oil would cure it" they told me.
No cancer hospital accepted either one to treat my colon cancer that was bleeding and about to spread.
The policies were HMO. I had no clue that beyond being able to pick your own doctor with a PPO, most hospitals don't accept HMO unless an emergency. They want PPO.
With HMO I was offered 15 year old treatments than meant radiation, older, severe chemo methods and a colostomy bag for life.
The newer methods offered at top cancer hospitals was newer, milder yet more effective chemo and some surgery. No radiation that would leave horrible side effects and no colostomy bag with the newer treatments.
My Medicare now beats them all. I have the PPO supplement with it and I can't stress that enough. Get the PPO supplement. HMO supplement and you are in for no options, no state of the art treatment.
I was among the very first to get the Avastin Chemo if not the first. It's a wonder drug. The Symptoms vanished in about 3 days, the cancer gone in 3 months.
In California if it's a study drug, by law the hospital has to give you treatment with an HMO. I dodged a bullet, the Avastin was a study drug. The Drug company picked up half the tab the dreadful HMOs grudgingly picked up the other half of it.
Friends that went snake oil died in about a year. "Fruits and nuts, and extract of Licorice root oil would cure it" they told me.
