Posted 29 May 2010 - 05:19 AM
I'm stressed out. My partner was recently diagnosed with Non-Hodgkin Lymphoma. She goes into surgery next Thursday to remove a lymph node so the cancer can be typed, after which she'll be referred to an oncologist and will start treatment. All that is stressful enough, but her employer has been teetering on the brink of bankruptcy for the last couple years. They are already down to a skeleton crew and today had their hours cut. If she has to stop working in order to have her treatments, she will be eligible for COBRA, although she'll have to pay her entire monthly premium herself (while she has no income), and if the company closes completely, COBRA benefits will abruptly end, leaving her not only uninsured, but because of her cancer diagnosis also uninsurable. There is a high-risk insurance pool in our state, but if you are uninsurable because of cancer you can't enroll for it. I have health insurance through my company, but because hell will freeze over before we'd be recognized as married in this state, I can't put her on my insurance policy. Medicaid insurance is only available in this state to people who are either children, elderly, disabled (very, very difficult to get approved for disability -- the process normally takes years), or a parent with dependent children. So, basically, if her company goes under this summer, it's a death sentence for her because there is no way I can afford cancer treatments on my salary -- especially since I can't even afford to support us otherwise without her income!
So, even though I swore when she was diagnosed I would take this one step at a time and not catastrophize about "what if's", this is a huge nightmare that I just can't shake. I don't see any way whatsoever that we could get through that situation.
I'm so scared.