I received a call earlier today from a woman who is a two-time breast cancer survivor. Her father died of leukemia and her sister died of colon cancer. (Her story is actually even more complicated that this, but you get the picture—this woman has suffered.)
She has had a colonoscopy or two along the way, with nothing abnormal found. Now, though, she is past due for another colonoscopy. Given the history of cancer in her family—including a sibling with colon cancer—this is critical to her care. Lucky for her, she has health insurance. And, lucky for her, the insurance covers colonoscopy. Except….
Cancer, you know, attacks more than the body. It attacks your friendships, your love life, your career, your mental health. And it attacks your financial well being. Imagine two bouts of chemo, two bouts of surgery, two bouts of radiation. With co-pays, deductibles, lost work, uncovered expenses—with all of that, how many of us would have much left?
So this caller’s insurance covers colonoscopy, but she has a $250 co-pay. And she can’t afford it. The money simply isn’t there. Given her expenses and debts, she is already anticipating working well beyond normal retirement age. Given her ravaged financial situation a loan isn’t really an option. And insurance companies are not known for establishing payment plans.
A piece of legislation is being kicked around in Congress that would institute a federal mandate, requiring all insurance companies cover the cost of screening for colorectal cancer. Some insurance companies oppose this legislation, simply because they oppose all mandates. But really, they aren’t worried. After all, it depends on what the definition of “is” is.
A plan that pays for FOBT but not colonoscopy can say that screening is covered....
A plan that pays for colonoscopy, but with a $1000 deductible can say that screening is covered....
A plan that pays for colonoscopy, but has no appointments available for the next six months can say screening is covered....
What do we mean by "is"?
Insurance companies are an easy target to bash, and that is not what I am trying to do here. In fact, many co-pays, deductibles, etc. are established by employers and, sometimes, by employees. Choose a larger co-pay and you have lower premiums. That is pretty attractive in these financial times. Bottom line, I am not optimistic that a federal mandate will result in the reality that patients who need a colonoscopy will be able to get a colonoscopy.
At a minimum, here is what we need. Everyone should get a free colonoscopy (or virtual colonography) at age 50. No deductible. No co-pay. It should be free. You should get a day off work without leave for that test, or at least be able to take only a half-day.
And, everyone should be required to be screened when signing up for Medicare—either have a colonoscopy (or virtual colonography) or have an FIT done for three years in a row. Those tests should be free—but should be required as part of being in a Medicare plan.
Is this enough? No, of course not. It leaves out people diagnosed when they are in their 20’s or 30’s or 40’s. It ignores growing data about earlier onset of cancer for African Americans and for smokers. It doesn’t provide for ongoing screening into your 70’s. Still, it is a start. If we did only this we would save 100 lives a day—every day of every year. And we would save money! The costs of this program would be more than offset by reduced healthcare costs.
When I think about my caller from earlier today, I am embarrased. We should be ashamed that a country like ours puts people like this good woman in the situation she is in. We should be ashamed that we have been so knotted up in competing agendas that we haven’t at the very least gotten the cancer screening part of healthcare right. We should be ashamed that a nation founded on the promise of life, liberty, and the pursuit of happiness does not provide a basic test that will help a citizen have the opportunity to fulfill that promise.
We can be better than this. We must be better than this. And, with all of us working together, we will be better than this. I just hope it happens in time to help the woman who called me today.