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Made aware of the family's financial situation, the two private hospitals that treated Jerry Ansley -- WakeMed and Duke -- wrote off the cost of the care they provided him. But publicly supported UNC did not.
drug that cost up to $21,500 a dose
took him to the emergency room at WakeMed in Raleigh on Sept. 28, 2004.
transferred to UNC Hospitals on Nov. 17, 2004
in and out of UNC over a four-month period. A new complication was bladder damage, the side effect of an earlier treatment UNC doctors tried.
Stumped, the UNC doctors offered in late February 2005 to transfer Ansley to Duke
A former high school science teacher, he had recently obtained his contractor's license to go into business as a homebuilder with two of his sons
Doctors ordered more NovoSeven. His bill was already in the hundreds of thousands of dollars, his insurance was tapped out
somarco said:http://www.newsobserver.com/102/story/484822.html
Anyone know who the carrier is?
Care to guess?
schoolofhardknocks said:I would be VERY surprised if the company was BCBS of NC. There is a reason why BCBS is synonymous with health insurance in NC. And the reason is that the coverage simply can't be beat in the individual marketplace. That doesn't mean there wouldn't of been thousands of unpaid bills, just not hundreds of thousands or millions.
I guess my question is how could we as agents protect our clients from this scenario? LTC, disability, critical illness? Would these of done much good? Disability would keep the lights on and food on the table. LTC may of helped with the skilled nursing limitations, but how much would that of helped based on the limits we normally sell. Critical Illness...not sure that there are any policies that would of paid in this particular situation. I have not seen a CI that would have helped, a DI may have
If you could go back in time and been this guys insurance agent, how would of protected him from this financial hardship? Looking forward to hearing everyones ideas.