I’m 21, I’m a college student, I have two jobs and I have shit insurance. I’ve only been with two guys total and I got HPV even after taking Gardasil when i was 15.

Now I have high grade lesions on my cervix, having a child will be difficult (either it wont happen or i’ll miscarry) and the lesions are pre-cancerous and all the way into my tubes.

I just got off the phone with the hospital and my insurance only covers UP TO 1500, everything after is my responsibility. My surgery costs 6k.

My family is tight on money due to my nephew being born with complications. Today we found out my father’s (pregnant) cousin has been abused by her husband (while she’s pregnant) and since she is here on a visa, we’re trying to sponsor her so she can come live with us until we can send her back to her family overseas.

FML. My surgery was suppose to be this Friday but now it won’t be happening. Just sucks because I constantly have pain in my lower abdomen.

Im sorry. I just needed to vent.
Sorry to hear this. My friend had HPV which turned into cancer. She had to have surgery as well. She didn’t have any insurance but found some organization in her state to pay for it.

Maybe you can find such an organization that will help you pay for it. If you would like I can ask her how she found these people.

Good Luck

I’m sorry to hear that. Is she doing well now?

The hospital is working with me in trying to find something I qualify for charity wise to see if they can cut the price down.

the money issue is minor compared to future possibilities of me having cancer or unable to have a kid (if I even want one) in the future. I never imagined myself with children, but I still consider it a potential loss. I may change my mind later and it’ll be a bit devastating although I’m not opposed to adoption.

Just sucks.

If only it were that easy. I may consider traveling for the surgery if it ends up being cheaper but I hope I qualify for something that will bring the cost down.

Wow I’m sorry to hear that. Is there any chance you can find a job with a company that offers health benefits that don’t require a pre-existing condition stupulation? There has to be better health care plans out there…I know Starbucks had a plan that part timers could buy when I worked there, but that was 8 years ago.

My sister had the surgery done and definitely averted disaster, I would say it’s worth looking into all financial options rather than just putting off the surgery because insurance won’t cover it.

I’m sure there is some financial assistance you can get, or you could even get a credit card and just pay it down over time. It’s really worth looking at everything, hell even another $4,500 in student loans…you could just get the extra money and use it as "educational expense" and pay it off later. Life is always more important than money.

Even if you had to declare bankruptcy at some point, being alive and financially screwed beats being dead. Also, cancer treatment is significantly more expensive so you could be compounding the issue by waiting.
You have to put your health ahead of what it will cost. I’m sure even with poor insurance coverage you should still be able to qualify for some financial assistance.
It sucks to be so young and have to deal with these issues.

When I was in school and had a health scare, the hospital had all kinds of options from payment plans to charity. What really pisses me off is that people have to make health decisions based on how much we can afford to pay. We’re the only developed nation on the planet without a health plan for all of it’s citizens.

Might sound drastic but have you considered moving to Canada? I’m not even kidding.

Anyways….sorry to hear you’re going through this. Wish there was more I could do to help.
Yuck. I can understand your frustration regarding your family. While you haven’t said it’s the main issue I would be very disappointed that my family would choose to help extended family over me
Have the surgery, then don’t pay.

It’s a medical expense and won’t really affect your credit, I don’t think they can sue you for it.

These hospitals man, they write stuff like this off all the time. It’s nothing to them they just write it off.

People die in debt, so what.
Thanks for the replies and support/advice.

I’ll try to kind of answer everything. First off, I had the surgery Friday. Unfortunately, the payment issue hasn’t been dealt with. My boyfriend along with some friends pitched in and let me borrow money so that I could have enough paid to where the surgery could still happen. I was able to get this all in by Friday.

SirLumina: I’m considering trying to write it off with my school loans. That in itself is a clusterfuck considering my dad won’t cosign with me and i’m under 24. So I have to see what happens with that. But you’re right, cancer is definitely more expensive. My dad had colon cancer and survived and it cost a pretty penny.

Lateralus: I filled out some paperwork to see what a qualify for, so we’ll see what happens. I dont get my bill for another month and I don’t think I get my biopsy results for another two.

Coottie: That… is exactly what bums me out. When the woman told me how much my surgery was going to be, I was floored. And I said to her, "what 21 year old has 6k as pocket change??" It’s unfathomable to think someone can pay that at my age. I dont know what they expect out of me. Our healthcare is a mess. Moving to Canada would be a big step. If I dont qualify for charity then I may have to. I think I have distant cousins that live there. But really, thanks for your concern.

MissKitty: Yup. I’ve learned to not expect much out of my family. They’re not the kind of people you should borrow money from or even expect to genuinely help you in situations like this. They’re helping extended family just because there’s pressure on them to do it. My dad can definitely help me pay for my medical expenses, but he doesnt want to mess up his credit or get in more debt which I guess is understandable. Also why he wont co-sign on any student loans for me. Now I have loans with a super high interest rate. Bummer. But… that’s my family for you.

JohnQPoster: I looked into this recently. I don’t think medical expenses count agains your credit when you’re buying a home, so I should still be in the clear for buying a home. Honestly I may just say fuck it and not pay it.

again, thanks for hearing me vent everyone.

Aww you’re welcome. I’m sorry you’re struggling.

One of my brothers really helped me through my health scare. He told me that even if it cost me $15k, it would NOT totally derail my plans for a better life, it would only postpone them.

Seriously, this really helped me because instead of focusing on how my life was totally fucked and I would never have anything good, it helped me see that my current situation was only temporary.

This is incredibility powerful!!!

Seriously I can’t tell you how much that helped me. It’s not where I am that matters, it’s where I’m heading that matters. People may laugh at me but fuck them….I’m heading to a better place and it might just take me 1, 2 or even 5 more years to get there….so….fuck the haters.

Anyways, I hope you can lift your eyes from your present circumstances and focus on the future.

Oh and in case you’re worried that you might not be appealing to a guy because you can’t have children…..I’m a guy and I can assure you that there are guys out there that don’t give a fuck. I’m one…..that is….if we click and all.

Anyways, hang in there. If you ever want to chat privately, please feel free to PM me anytime.

I used to say you’re in my thoughts and prayers but I really don’t pray anymore so I’ll just say, you’re in my thoughts.
what kind of shitty insurance do you have ? I never heard of any with such a low MAX payout before.

It doesn’t. I’ve also been hired at jobs where they do background checks and credit checks and they said they don’t count anything medical related.

Thanks again. It really helps hearing someone else’s experience.

"Aetna affordable health choices"

I work as a shift manager/pharmacy tech at CVS. Because I also work for Leapforce, I work less than 30 hours weekly at CVS so I don’t qualify for full coverage insurance (which wasn’t mentioned to me when they signed me up).

And although im a student & can still be under my dad’s insurance and receive full coverage insurance, he doesn’t want that to happen.

If you do end up moving here and need a place to stay, I don’t have a lot of space but you’re more than welcome to crash here while you get on your feet.

Thank you that’s very generous

No problem
Your PM box is full.

Clear some space if you can and send me a PM. I’d like to help.

If not, I understand.

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