Had/ Has | Happy Monday – December 5th, 2016

“Are you okay?” I ask.

“I’m fine, I just don’t want to do this.”

“I wish I could go with you. I still can,” I tell her, “You know, I can at least just go down there with you.”

“One of us has to pick up Kate.” She replied.

“I know. I’m sorry” I say.

“I’ll be fine.”

This was part of the conversation my wife and I had last week, before she left for her oncology appointment.

My wife had/ has cancer.

We found out about it in June, and she had surgery in July to have the tumor, and half of her large intestine removed. Thing we soon learned about cancer surgery isn’t like other kinds of surgery, it’s not really over with right away.

For instance, I had to have surgery on my knee when I fractured my patella in three places while coming home drunk one evening. I got taken to the ER, had to wait a day, then they operated on my knee. A couple of screws got thrown in there, and four months later I was able to walk around and go back to work. A few aches and pains aside, I was able to just move on with my life.

After cancer surgery, even though they are very sure they got the whole tumor, she still isn’t considered cancer free. Not until after five years have passed without a recurrence. This means that my wife doesn’t really get to move on with her life for five more years. For the next five years it’s a game of Schrodinger’s Tumor; it’s neither there, nor gone until it’s observed, and she has to live in a state of has/ had cancer. These five long years are supposed to involve several trips to the oncology unit for CT scans. Those CT scans are the first line of defense when it comes to detecting if the cancer is really gone or not. They are also priced in a range that I’d classify as unreasonably expensive for someone in my particular income bracket, at least without insurance.

That’s where the ACA becomes important to our lives.

The Patient Protection and Affordable Care Act is, quite frankly imperfect. I only enrolled to avoid a penalty imposed by the individual mandate. The policy I can afford, even with subsidies, offers relatively little coverage. It has however one thing going for it.

At least it is something.

I am not going to get into the mire of financial details explaining how expensive everything actually is in my particular case except to say that without that minimal amount of coverage we would not have been able to afford my wife’s surgery, or her post surgical medications. We would not have had the money for her recent CT scan. Going forward, without the ACA we will not be able to get her the rest of the follow up treatments and scans that the medical professionals have deemed as necessary.

Her next scan will be scheduled for sometime next year. After the new administration of the American government is in place. One of the things on the chopping block is the ACA.

2016 is coming to a close, and my insurance policy with it. I am tasked with spending the next few days reviewing coverage options and re-enrolling with healthcare.gov. I have to, not just to avoid a tax penalty this time. I have to enroll in a policy, that I won’t be able to afford without a subsidy, to be able to pay for the CT scans that might detect if my wife’s cancer comes back early enough to save her life again.

And it’s all a giant gamble because I don’t know if that policy will be valid, or affordable if the ACA get’s gutted, or defunded, or replaced. The words, high-risk pool  have been bandied about as well as, voucher system. Those are frightening terms to people who are in the had/ has category.

So that’s what I’ve been thinking about.

What’s on your mind?

Happy Monday.

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