Freddie Effinger started feeling what he called a "bizarre pain" in his
upper thigh during the summer of 2007, just before his third year at
the University of Alabama law school. After a scan, his doctors told
him it was probably some sort of mass, nothing serious, and that they
would remove it surgically in September.
Effinger, then 23, didn't have insurance. His parents' policy
dropped him after college, and he had figured he could coast through
three years of law school and land a job with benefits before suffering
any catastrophic illness or injury. ("Superman Complex," he calls it.)
The operation to remove the mass would only cost him about $1,200.
But when they operated, Effinger's doctors discovered something more serious.
"The
tumor was the same size as my hand," Effinger told the Huffington Post.
"And directly underneath that tumor was another tumor, and further down
my leg was another tumor."
The following month, an oncologist told Effinger he had advanced stage lymphoma.
The oncologist told him that his chemotherapy could cost tens of
thousands of dollars per session, and that he would need 12 sessions.
Effinger panicked.
"My mom's a schoolteacher and my dad's a juvenile detention
officer," Effinger said. "They're good people, but that's not going to
happen."
Effinger scrambled for insurance. He said he was told that the
school's health plan for students wouldn't have adequately covered
chemotherapy treatment at the nearby University of Alabama at
Birmingham Hospital. He had no luck on the private insurance market
outside the university.
"After making a couple calls explaining the situation, it was pretty
much discussions of blackout periods and 'We wouldn't be able to do
it,'" he said. "And it was frustrating and frightening."
Meanwhile, his leg hurt more and more. He was afraid the cancer would spread.
Staff at the hospital, St. Vincent's East in Birmingham, Ala., came
up with a solution. "I spoke to someone at the hospital and they
mentioned there's a certain number of patients a year they grant
charity to," he said. He was eligible because he had zero income. He
was indigent.
"They called me that later that day and told me they would grant me
100 percent charity. I broke down in tears. Somebody told me they were
going to let me live. It was an amazing feeling."
Effinger finished up chemo and got married in July 2008. He even
managed to finish law school on time and score a job with an employment
law firm in Birmingham.
But Effinger is still on the hook for about $9,000 for other parts
of his treatment. (That's on top of $100,000 in student loan debt, but,
he said, "at least the student loan people are being cool" by
comparison; debt collectors harassed him over the medical bills.) His
credit is wrecked.
And the warm, fuzzy feeling Effinger got from the kindness at the
hospital was tempered by the realization that he had to beg to survive,
that he owed his life to charity and had added considerably to his debt
all the same. He's become an advocate for health insurance reform,
going door to door for Organizing for America.
"I'm a pretty humble guy, but it's really demoralizing to have to
beg a hospital for your life, to be to be able to be treated for this
thing you just found out that you had," he said. "I don't just have a
right to be healthy? I have to beg for it? I have to show that I am
poor? It's frustrating. It's embarrassing. It's really unacceptable."
Freddie Effinger started feeling what he called a "bizarre pain" in his
upper thigh during the summer of 2007, just before his third year at
the University of Alabama law school. After a scan, his doc...
Freddie Effinger started feeling what he called a "bizarre pain" in his
upper thigh during the summer of 2007, just before his third year at
the University of Alabama law school. After a scan, his doc...
http://www.huffingtonpost.com/2009/10/02/uninsured-and-sick-studen_n_306639.html
This is just ONE story, there are thousands of others like it in the US. Call your congressman and let him know how you feel about healthcare today.