Help Fix Chad's Arm

Chad Hoyt is the sole breadwinner of his family of 5. In June, his wife Susi was laid off due to COVID. With the loss of her job, the the family lost their health insurance; COBRA was unaffordable. They were okay without it until Chad had a devastating car accident.

Chad owns his own business, Hoyt Dental Lab. Chad makes dental appliances like retainers and expanders by meticulously bending wire into precise prescriptions. He relies on his hands—he is the skilled artisan behind his masterful orthodontic appliance creations—and he needs full use of his hands to do his work. 


That all changed on December 11, 2020.

Chad was at his office and decided to get his employees doughnuts and chocolate milk. As he came around an S-curve on the slick, snowy road, his car spun around 180 degrees and slammed into a parked pickup truck. His arm was on the window ledge at the time of impact and bore the brunt of the hit. His humerus (upper arm bone) snapped into two jagged pieces.


Unfortunately, he was not able to get the fracture fixed at the ER; his uninsured or self-pay status influenced his surgical eligibility. Since December 11, he has been in excruciating pain. Every time he moves, the bones come apart and he is in agony. Even the tiniest jostle causes him extreme pain.


Thankfully, Chad saw an orthopedic surgeon on December 14 who agreed to do surgery on December 15. Chad and Susi are hopeful that the surgery will eliminate the excruciating pain that Chad feels with every movement; stabilizing the bone should help him immensely. But the surgery is expensive. After the automatic self-pay discount, Chad's cost will be $19,800. Susi's parents made a generous deposit with the hospital to book the surgery, and if Chad and Susi are able to repay them, they would be grateful. Susi's parents have been more than generous.

Chad is a very generous man too. He is the type of guy who will buy sleeping bags for the homeless folks on the street corners. He has invited the cashier from McDonald's over for Thanksgiving dinner because he knew she had nowhere else to go. He has given people a chance to work at his lab who might not otherwise be able to find a job due to their checkered pasts. Chad delivers lunches to homeless folks downtown once a month as part of Chad and Susi's Burrito Project.

Any help you could give would be appreciated. It's a daunting number and every little bit helps. Thank you all so much.