Need advice for Double Mascetomy, Why should I suffer???

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[deleted account]

I'm in the US and preventative mastectomy and reconstruction are not usually covered by insurance.

I don't think $15,000-$20,000 is too much to spend to insure that you stay healthy for your family. You shouldn't have to suffer.

You could keep your current car an extra 5 years and use the money you would have spent on a car. Two of our cars are 14 years old now and still run perfectly.

Or consider a home equity loan to cover the surgeries, then once you are better you will be able to get a job to pay it off. You can put your whole paycheck toward the loan since you already survive on one income, so it shouldn't take more than a year to pay it off, maybe two if you work part time.
ETA: Try to take out the loan for about $5,000 more than the cost of the surgeries so that you have a little to make payments on the loan until you recover and find a job. You can always pay it off early if you don't need the whole amount.

I had cancer when I was younger and my insurance dropped me after my first year of a 4 year battle. By the time I finished I was over a million dollars in debt, but I got better and was well enough to work hard so I was able to pay it all off. My treatment was considered "essential" so the hospital had to treat me whether I could pay or not, but I couldn't buy a house, a car, couldn't even rent an apartment, ANYTHING that required credit until I paid it off and restored my credit. It was a rough start to life, but it was worth it because now I'm a healthy happy adult with a great life.

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[deleted account]

No need to feel sorry :) The bad is always balanced out with good. So many wonderful things have happened in my life, that the few bad things, even if they seem "major" to others when I talk about them, are really only a pretty small part of my life now. I will say, they played a major part in creating the person I am today, but only because I was able to learn valuable lessons through them. You can't let bad luck get you down--look for the good in everything and it will surface and cancel out the bad.

Mary - posted on 09/23/2013

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Kelly, Thank you, Sorry to hear you had a tough battle yourself. Glad to know you came out healthy & full of ambition. I will see if we can get a loan. I never thought of that. Thank you again :-)

Mary - posted on 09/23/2013

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I did the cost is well over fifteen thousand dollars when it's all done. I just don't have that to spend. My husband and I have six children, two are in college graduating soon. One graduating fro high school this year, one who is a freshman in high school, two already out on there own working. I currently don't work, the pain gets so bad some days I had to call off so many times. I just wish there was something out there that could help women in this position. Thank you Michelle

Michelle - posted on 09/23/2013

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Have you inquired about the cost of paying for it yourself? I would prefer it to be done if I was in your position and I know in Australia there have been a few women choose to have it done but have had to pay for it. It wasn't covered by our free healthcare or even private health cover either.

Mary - posted on 09/23/2013

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I have suffered for years with Breast issues. I have had several lumpectomies on both of my breast. All came back non cancerous...Thank God!!! My Mom passed away due to Breast Cancer at the age of 67. She had it twice and it came back the with revenge. My Mother's sister died due to BC at the age of 47. With all my issues with my surgeries & the pain & swelling I have been dealing with since 2005 & the BC history in my family I wanted to have a double mastectomy following reconstruction. Well I had a surgery scheduled until my health insurance will not approve the operation due to they feel it's non a medical necessity despite the issues I have had and still have...plus the history. I am hoping I can reach out for help and advice...please I am suffering so much and I can't get help. Please help...Thank you

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