The Fucked-Up US Health Care System, Case #725,867,992 (Moderately Long & Rambling)

A word to the fore: the following is a rant, not a request for information (if it were the latter, I would have put it elsewhere). Should anyone have any suggestions after reading it, I certainly wouldn’t reject them; but primarily I need to vent. Thank you.

As I’ve mentioned elsewhere, for the past 15+ years the Younger Ottlet has been dealing with a particularly nasty version of Chron’s. She held her own for a while, but between multiple surgeries (with attendant complications) and persistent anemia (at one point she needed iron infusions and/or transfusions every other week) she has not been able to work for five years or so. She finally applied for disability, and somewhat surprisingly she was approved on the first try. This gives her a stipend sufficient to allow her to starve to death in a cardboard box under a bridge, but the more important thing from her point of view is confirmation that she does indeed have a condition which impairs her ability to be productive; for her, that’s significant.

But of course there’s a catch: once on disability, her health coverage switches from Medicaid (which in the Soviet of Washington is remarkably comprehensive) to Medicare. This in turn means that she has to enroll in Part D for pharma coverage. Having been down this road myself, I advised her to sit down with a friendly neighborhood SHIP counselor. Which she did yesterday, at which point the fly plopped directly into the ointment.

No matter how hard the counselor looked, he could not find a Part D plan which includes adequate coverage for the immunosuppressive she needs to keep her Chron’s at bay. The best he could do, using every available discount and benefit, was reduce the annual cost from $150,000 to $91,000. For someone whose annual stipend will be little more than 10% of that. She said that by the time they were done, he was ready to spit nails; for her part, she was in shock.

There is am alternative, which she is pursuing with her doctor: applying to the manufacturer’s “patient assistance foundation.” If her application is approved, she will get the drug at a drastically reduced cost (if not free) for a year, after which she will need to reapply (I don’t even want to contemplate the consequences if she’s denied).

I find the situation appalling, to put it mildly. Her quality of life, if not her life itself, would be dependent on the charity* of the business which has priced the drug she needs out of her reach. With no assurance whatsoever that the program will be available in future. (I strongly suspect that one reason such programs exist it as a weapon against any legislation which would inhibit the manufacturers’ ability to gouge the public — “We regret that we would have to curtail our assistance programs if Medicare were allowed to negotiate drug prices, &c&c&c.” Perhaps I’m being overly cynical, but I kinda doubt it.)

To conclude — something I obviously find difficult — I’m furious. I have watched her deal with a debilitating condition with a grace and strength I could not possibly hope to match; to have her reduced to groveling, like Oliver Twist, not for a second bowl of gruel, but for the opportunity to lead a productive life, is beyond words. In what purports to be the Greatest Country on Earth™. Bullshit.

Again, this is a rant, not a request for information. Suggestions would be welcome, but more than anything thanks for listening.

*Bushwah. I’m certain that any costs are deducted from the manufacturer’s taxes. At full retail price, of course.

Unbefuckinglievable.
And very much rant worthy.

I have no helpful suggestions, just sympathies.

That is totally fucked, so sorry for you and your family.

So typical of the US healthcare system. So so fucked. Like I don’t think people grasp how fucked up and not normal this is. Back when I came to the US as a single healthy young man, the amount of paperwork required to perform the single most basic healthcare function (like see a doctor for a routine checkup) was more than I had encountered in the previous quarter of a century of dealing with the British healthcare system.

Now I have a young daughter with a serious long term health condition the hassle of dealing with the US healthcare system is constant debilitating battle, it just doesn’t stop. And I’m lucky to have super fancy health insurance (that we pay what would be more than rent in most the country for), and its still a constant stream of multi-hour phone calls, paperwork, and groveling.

Ca. 2000, when I worked at the grocery store pharmacy and Medicare Part D(isaster) was first proposed, there was a lot of publicity about how pharmacists were almost universally opposed to it, and many of our customers were curious as to why. A colleague who had 20 years on me, and had his own store for many of them, summed it up this way: “When that goes online, you will find out just how free it is.” And that’s STILL true, more than 15 years after it launched.

Otto, I hope your daughter at least gets approved for patient assistance. This is insane.

I’m sorry to have to do this, but this is the Dope, so I must: Crohn’s, not “Chron’s”.

And I am sorry for what she (and you) are going through. Sadly, this is not a rare happening.

Wishing you the best.

mmm

Every state differs, but in Oregon people ineligible for Medicaid who have Medicare can sometimes can pay to be eligible for Medicaid.

A term that might help is “dual eligibles.” (My lovely wife is narrating these responses to me.)

Healthcare was not a major contributor to my family’s decision to leave the United States.

But now, after a few years away, it is unquestionably the number-one motivator in our desire never to return.

I am very, very sorry you have to deal with this. It sucks and I don’t have anything better to say.

Are you referring to a spend-down? Iowa Medicaid did this, and AFAIK still does. It was mainly for people who were income-eligible for Medicaid but owned too much property, like, for instance, a senior citizen who lived in a paid-for house.

People on it had to pay an out of pocket deductible to “reduce their income” to qualify for Medicaid, and then they were fully covered.

Yes, but we know someone who did it to bring their income down (rather than property as in your example).

I’m so infuriated on her behalf!!!

One lovely thing about those pharmacy discount programs is, a LOT of them specifically exclude anything which is government funded. Hopefully that is not the case for the program you mention.

Is she still under 26? If so, she might be covered under your insurance - and a lot of policies allow someone to continue coverage if they are considered disabled prior to aging out. This may be moot in your situation, and of course only works for as long as you are working.

Do look into a special needs trust, if there’s a chance you’ll leave any kind of estate. We need to revisit this for our kids. The idea is that your money can be left in such a way as to benefit the adult child, while not screwing them out of benefits.

Moving to a cheaper place may also be an option. My daughter has not pursued disability; her doctors have been rather discouraging (she doesn’t have any one thing that qualifies, but all taken together she might). From the math, she could ALMOST live on the disability income in her small, run-down town in Vermont.

I wonder if that may vary by state.

My daughter is on Medicaid and SNAP in Vermont, and apparently there are not means tests there - or perhaps they are just more flexible. She had 3 or 4 thousand dollars in savings because she simply wasn’t spending money much, but still qualified. It’s frustrating, since you can lose benefits if you have too much money - which means you cannot own a decent car (to get you to a better job, to get off the rolls), and you can’t save up enough money to pay for repairs on the car you CAN get, etc.

I’m so sorry for your daughter. Every time I hear such stories, I feel lucky to have been born in a country with proper healthcare.

The US Health Care System is a fucking joke. People willingly trade their fellow citizens being ground up and spit out by things like this in order to have the opportunity to get something like a non-emergency knee replacement a few weeks quicker, and pay 2-10x as much for the privilege.

You may also want to throw a note over to JohnT, he may know of something that can help.

This part sucks. You only get to access these benefits if you are poor, enough. If you want to not be poor you are taking a big risk by getting a job and saving money - too much money and you lose benefits - if you lose the job you go to the back of the line and have to re-apply to regain those benefits, which can take months. The system has created a perverse incentive to remain poor.

I’d be a little reticent to accept as the final determination the efforts from a volunteer community helper (SHIP )

Maybe the drugs are partly covered by medical part B, or something else as it doesn’t add up to put someone on disability in such a situation where they’re unable to afford medication they previously could afford.

:woozy_face:
Would you believe I was so mad I couldn’t spell straight? Thought not. (And as a preemptive strike, the fifth paragraph should start with “There is an alternative …”)

I’m reasonably sure that if there were a way for her to receive pharma benefits through Medicaid, the SHIP counselor would have found it; still it might be worth pursuing. As for being on my insurance, she’s too old (32), and I’m on Medicare myself.

I truly appreciate the responses. One of the many reasons this sucks is the feeling of being alone against a faceless and hostile system, and knowing that others are on your side helps immeasurably. Her mother bailed on the whole situation early on, and they’ve been estranged for years (though she does send suggestions like massive doses of Vitamin D — which is potentially toxic since Vitamin D isn’t water-soluble and isn’t flushed out of the system — via the Elder Ottlet).

Again, thank you. One of the many benefits of being a Doper.

I assume you are talking about SSDI (not SSI) ? How long has she been receiving disability benefits and how old is she? My understanding is that those under 65 are not eligible for Medicare until they are on disability for 24 months ( or have a couple of specific diseases). It makes a difference which type of benefit she will receive - receiving SSI will make her eligible for Medicaid but not Medicare but with SSDI she may be eligible for both.

I wouldn’t necessarily assume the SHIP counselor knows anything about Medicaid - the SHIP mission is to serve Medicare eligible people, most of whom will not be eligible for Medicaid. If by 'Washington" you mean the state - here’s a page about Apple health ( Medicaid) for Medicare eligible people. The Medicaid agency will know more about how Medicaid works with Medicare and various other programs.

The problem is, this is entirely believable. Every time I’ve discussed healthcare with a group of Americans, on vacation or at a conference or something, at least one person in the group has had some kind of personal horror story, about not being able to afford insurance, or their insurance screwing them, or the costs of their treatment being ridiculously high.

I hope this isn’t taken as advice, but possibly just some reassurance. I’m on an immunesuppressive for ulcerative colitis, and getting into the patient assistance program was easy. I’m very fortunate that it’s all covered by my insurance, but the insurance asked me and my doctor to enroll in the program. I was willing to click “Agree” on some form to save my insurance company thousands. I think my doctor had to fill out some other stuff, too. Anyway, I’ve been accepted every time I’ve applied.

Same here. And yes, so sorry to hear about the crap you and your daughter are forced to take.