How health insurance saved my family

Sep 26, 2019 by

You shouldn’t wait until it happens to know what to do

More than half the people that own a personal life insurance don’t understand how to collect the insurance in the event something happens.

This can be devastating. When you’re too busy dealing with an ill loved one, the last thing you want is to be dealing with money.

You can’t relax at all. Most people don’t have the presence of mind to robotically think and move in emergencies. The stress of dealing with a sick family member or friend can be hard on most people.

You need to be by the side of your loved ones at that moment, but you can’t. You have a job to answer to, and bills that just don’t care.

Receiving health insurance benefits when something goes wrong is really important.

Everyone needs to understand

  • What life insurance is
  • How to collect life insurance in case something happens
  • All the paperwork they’ll need to fill out so they don’t run into problems, and need to revisit the event again and again, even after the event is behind them. So they can focus on moving on.

Having health insurance plans for family is your priority above all others, especially if your parents aren’t very young.

So, you must, must, must figure out how life insurance works before things go wrong, so you can free yourself from that burden when you’ll have a million other things to worry about.

My story

On November, 2008, my mom was diagnosed with Stage II liver cancer.

To me, I didn’t understand what any of the fancy words meant. All I knew was that cancer was bad.

The cancer had resulted in a tumor that had spread like tendrils towards her heart and the sheer size and length of the tumor astonished even the doctors.

I didn’t understand any of it it, at the time, but all I knew was that mom had cancer and that she wasn’t doing well.

Parents do their best to hide their suffering from their kids, though. And that was what my mom did. I never did see her often, because she could only summon the strength for smiling and pretending to be normal only a little bit at a time, I guess.

My family wasn’t rich. My dad was a teacher. On his salary, I had no idea if he could afford the medical stuff. Cancer is expensive, was all I knew.

My mom held on, and I continued to go to school. The days passed by and nothing looked like it was improving.

The doctors resolved to operate. They would take a large portion of the tumor out of the body, I later found out, and that was supposed to help her heal. Taking out the bad thing would help the rest of her body cope.

I later learned that this is called metastasizing, when the cancer has spread to the rest of the body. In my mother’s case, it had grown like little tendril things and spread towards all the way towards her heart. It was a very delicate surgery that even the doctors were unsure of attempting.

My dad and mom hid this from me, of course. I didn’t find out anything until much later on. My mom held on, making sure to never look grief-stricken or sad. I didn’t understand what was going on at the time.

Parents always want to protect their children, I guess. I don’t know if anything I did would change the outcome anyway, but I still don’t know if I’m happy or not they hid what was happening to mom at the time.

The surgery failed.

They had succeeded in taking out the tumor, but something went wrong with the body. She was in a lot of stress.

I don’t know what happened to this day. The doctors officially tell me that she suffered from a multiple organ failure. The removal of the tumor had sent her body into a great state of shock, for reasons I don’t understand very well, and I don’t think the doctors understood it either.

All I know is, one of the doctors presented my mom’s case in some big medical conference soon after that and had written a medical paper about it. They had called over doctors in helicopters from other countries to look at my mom. I don’t know if that was a lie, that was what I was told. It was such a unique cancer in many ways, that they had sent others to study it. I don’t know if it helped the field of science. I’m not sure if the doctors were at fault, if it just wasn’t meant to be, or what anyone could have done.

What did I learn?

I just know that, if the life insurance hadn’t paid for most of the treatment, my whole family would have no money by now. Or we’d be in ridiculous debt.

My parents hid the real amount from me, but I was secretly told that the cancer was at a really bad stage and that there was little they could do. The surgery to remove the tumor was the only thing they could think of. I hoped they were right. I hope they did what doctors are supposed to do, and that ultimately, it just freed my mom from suffering.

If my mom wasn’t insured, my life would have turned out different. I probably would never have gotten an education, or done any of the things I’ve done today.

The older your parents get, the more stuff like death just becomes a routine fact of life. The older and bigger the rest of your family is, the more common death becomes.

Too many people get cancer nowadays. So many friends and family know people who have it. It’s just not something rare anymore, maybe it’s just that medical science has figured out how to treat it a little bit, and keep people alive just a little bit longer so they can enjoy time with their families.

Since there’s no way to stop it, there’s not much to do, except learn coping mechanisms and get therapy.

But always, even keeping the option for that stuff is difficult, with the amount that treatments and cancer can take out of you in the long run.

Getting insurance is important just so you can focus on the other stuff in life and move on.

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