A struggle against cancer becomes a financial worry

“I walked in a person, and out a cancer patient,” my dad said as we filed home. Crossing this threshold, we found ourselves on the other side of medicine – the side on the exam table or gurney, as opposed to the one standing over it. As a physician I was used to the latter. This is my family’s story in our new position, and how the cost of medical care has impacted us.

My father — an engineer — worked furiously. His “free time” was consumed with jogging, fixing household items, doing yard work — essentially anything to keep busy. As an American employed overseas at diagnosis, he did not have US medical insurance, but rather an annual cap of $500,000 for healthcare. While this amount is generous in Europe, we accepted the exorbitant cost of care in the US so my dad may be near family during his battle with non-Hodgkin lymphoma.

My dad’s care was transferred to the academic institution where I trained. As his advocate, my first task was to schedule a PET-CT. After bouncing between central scheduling and radiology, I was instructed to speak to billing. Exasperated, I explained our situation and inquired how much this test may cost: “$12,000,” I was informed, “is the price for patients without US insurance.” (This was my first encounter with the “chargemaster,” a list of services and prices conjured by hospital administration. Hospitals set the price then expect payment to be negotiated down by insurance companies. Uninsured patients, however, are quoted prices and charged according to this list.)

My body tightened as my eyes watered. This test cost a few hundred dollars in Europe and I knew not “worth” the price quoted: How could we get through the year in need of multiple tests, medications and chemotherapy according to this list?

I negotiated: “My dad really needs this test and we only have a limited about of money.”

Silence.

“I went to medical school and residency here,” I pleaded, “is there anything you can do?”

After discussing with superiors, I reduced our charge by several thousand dollars. I paused, as I couldn’t believe I had to resort to such assertions. My small sense of triumph was clouded in an overwhelming sense of unfairness and anxiety.

That was the beginning. My dad went on to need a stem cell transplant, necessitating several weeks in the hospital as well as rehospitalization for graft-versus-host disease, a complication of his transplant. This disease has been the only thing to keep my dad from constantly moving; it has been hard for us to see him become weak, lethargic and sallow. We were not in control of his disease or its corresponding medical bills.

We asked about cost frequently and kept an informal and approximate record when available: filgrastim, $14,000; echocardiography, $7000; office visits, $300 and so on. Providers often expressed polite concern, replied with something to the extent of “I don’t deal with that” then referred us to billing. Billing representatives never met my dad, or understood his medical condition or need. Providers continued with treatment plans without regard for cost; my family controlled what we could, namely using warehouse pharmacies and doing as much self-care as possible. We found little compassion for our concern.

In time, it became clear we were running out of money. My parents contemplated selling their home or having my mom return to work (something she had not done in 20 years); my siblings and I made plans to subsidize healthcare costs. As my dad fought physically, we all faced this enormous financial worry.

This worry has been intertwined with my dad’s struggle with cancer. Providers cannot separate financial aspects from the esteemed patient-centered care of medical conditions.

Fortunately, my family recently learned of our successful bargain for my dad’s insurance cap to be increased through 2013, after which we are embracing Obamacare to access health services without financial fear. My dad continues to battle on.

We feel lucky for this. We are grateful that all Americans — despite resources, expertise or knowledge of our healthcare system — now have the opportunity to receive equitable and affordable healthcare. As my family is experiencing, the vulnerable position of illness is stressful enough.

Laura Sander is an internal medicine physician.

A struggle against cancer becomes a financial worry

This post originally appeared on the Costs of Care Blog. Costs of Care is a 501c3 nonprofit that is transforming American health care delivery by empowering patients and their caregivers to deflate medical bills. Follow us on Twitter @costsofcare.

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