My name is Cheryl.
A little about me: I am 55 years old. I am a wife to Ed and a mother to Megan. We have two fur babies.
I have worked most of my life.
After marriage, we bought my mother in laws house in 89' and have been there ever since.
I got sick in July with Covid and was down for quite a while.
I have since been working on my blog at https://downsprigglane.com/.
I love cooking and DIY projects.
I have been trying to make an income with my blog as an influencer and with affiliates.
I found out on Dec. 7, 2020, that I have uterine cancer.
This news is terrible at the best of times. This comes after my husband’s shoulder surgery that has kept him home for the last month, and after I’ve been off work since July 2020 because our whole family had the coronavirus.
Right after the diagnosis and news, we dived right into the mess that is insurance, talking with doctor’s offices, scheduling, and unemployment. We are already running into many snags and problems with money and coverage, and this is starting to feel like a big circle to me.
A breakdown of some of the issues we’re already facing, before anything related to my diagnosis:
1. My family has insurance, but even though we’ve made a significant dent in the deductible due to a hard year, medically, we have yet to reach the two-tiered deductibles that will make us 100% covered - that’s ultimately $15,000 out of our pocket.
2. In July 2020, I applied for unemployment both for Covid relief, then regular unemployment, but was denied both.
3. In November 2020, My husband had shoulder surgery, for which insurance paid only 80 percent, so we are dealing with a significant bill to the hospital.
4. My husband applied for short-term disability through his employer, and though they are now covering the leave, it took over a month, and desperately needed savings for them to give us the promised money. He will not be working until February 2021, if all goes well with his physical therapy.
5. Insurance coverage renews every year, in January, and that means that we will need to pay another $15,000 to get fully covered. We will have to pay out of pocket, all my husband’s physical therapy, all of my tests and surgeries, and whatever else comes.
6. The doctor that diagnosed me quit unexpectedly, leaving me trying to figure out this mess.
That brings us to my diagnosis. Because of the coronavirus, many of the things I need to have done are “elective” and many of the hospital visits I need can’t happen until January at the earliest. And we are finding out certain things are not covered, even though multiple doctors have stated these tests are necessary.
In order to have a consultation with an oncologist, and then surgery, I must first make sure my body can handle the treatments, after having covid and having
some underlying health problems. As of Christmas, I’ve had a couple of tests already, but still need a CT scan of my abdomen and pelvis, but insurance has denied it, and it’s hard with the holidays to get answers or dispute the denials. I do not know what other tests and procedures I need, I do not know
how much money this is going to cost, and have little guidance.
The funds will help pay for the tests, surgeries, further treatments, and travel.
I am asking for help. I honestly do not know what, emotionally or financially, it will cost to go through this. If anyone has any answers or help on what else I, or we as a family could be doing, I would love to know.
Know that we appreciate you more than ever, with whatever you can monetarily or otherwise offer me and my family, and I hope someday that I am around to repay that kindness.
I have started a journal of sorts about this journey of mine. Please feel free and encouraged to read it here as I update https://downsprigglane.com/cancer/.
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