Tuesday, August 27, 2013

Wait, what? ~ Part 6

Wait, what? ~ Part 1
Wait, what? ~ Part 2
Wait, what? ~Part 3
Wait, what? ~Part 4

Arriving home from MD Anderson 100% certain that I wanted my surgery done there, I placed a call to the surgeons nurse early the next morning. We tentatively scheduled surgery for Sept. 17th-providing the other surgeons were available that day.

I hung up the phone excited that we had a plan- yet with a giant pit in my stomach because I couldn't help but wonder what I would do if my insurance denied me having the surgery there. I knew that since it took forever to get a single visit covered, that getting brain surgery covered- at an out of network hospital- was VERY unlikely. 

Since I work for a school district, our calendar year begins Sept. 1st. We were in our open enrollment period for benefits and as I went through my selections {that very afternoon} I came across the short term disability option. Now I knew that since my brain tumor was now a pre-existing condition, there was no way I could add this coverage but since our sweet insurance lady's office was just around the corner I thought I'd go ask, just to make sure. 

What happened next can only be explained as a true miracle from God. I went into her office and asked if I could add short term disability- knowing the answer was no. And of course she said no.  She asked why I would need it and I then explained that I had been diagnosed with a brain tumor and told her the struggle we had had with our insurance and how worried I was they would deny the surgery at MDA. 

She immediately said "Well you just need to change insurance!" to which I replied "If only I could! I'm pretty sure they wouldn't accept me because of my pre-existing condition. Who would knowingly cover a new member with a brain tumor?".  

She then explained that they had no choice- since it was continuous coverage- they had to accept me! {Had I been a brand new employee, they could deny me- but since I was just changing my option under existing coverage with the district- I could change. She then pulled out the book that listed all of the options and showed me one that had MDA as an in network hospital and even figured out what my maximum out of pocket costs would be.

Who but God could orchestrate that? Seriously.  I wish you could have seen me- I was almost jumping up and down I was so excited! {Well, as excited as one facing brain surgery can be I suppose!}  I left her office, when back to mine and immediately logged in and chose my new insurance.

During the next few days she called that new insurance company, had them input my information as an urgent case (it doesn't take effect until Sept. 1st and normally they don't take any information until then), and even contacted my insurance advocate at MD Anderson to give her all the details.  I've actually already even received my new insurance card in the mail.

How cool is God to work out so perfectly the details? I know that we often read of miracles in the Bible and it's easy to think that He no longer performs them. But oh how He does!

So we are now confirmed for surgery on Sept. 17th which is 3 weeks from today.  To be honest- I am terrified and running around like a crazy woman trying to get all of my work life and home life in order.  Not knowing how I'll be after surgery and how much recovery I will require is scary to me.  As someone who loves to have all of her ducks in a row and a plan for everything this is a beyond frustrating.

Although I don't know what life will be like when I wake up from surgery what I do know is that through this God is in control and I just need to trust in Him.  In His timing and in His plan.  So I'm clinging to His promises....

“So do not fear, for I am with you; do not be dismayed, for I am your God. 
I will strengthen you and help you; I will uphold you with my righteous right hand.”

—Isaiah 41:10