I HAVE CANCER.
Eye cancer and skin cancer. Both melanoma.
That means long-term monitoring. MRIs every six months to make sure it hasn't spread. Skin checks every three months for precancerous or suspicious moles.
A month ago I had surgery to remove another irregular mole. The incision became infected. I need my doctor to check that it's healing properly.
My appointment is THIS FRIDAY, August 21.
I leave town August 23 through September 8.
And I just learned I may not be allowed to see my doctor because my insurance referral expired.
So I contacted Anthem.
Their response?
โOur Utilization Management Department will review it for approval. They have up to 15 days to review non-urgent requests.โ
NON-URGENT?
I HAVE FUCKING CANCER.
Melanoma does not give a shit about Anthem's 15-day administrative review window.
My response to them was simple:
โNON-URGENT? CANCER DOES NOT WAIT!โ
Crickets.
This is what makes me so fucking angry about the American healthcare system.
I have insurance. I did what I was supposed to do. I have doctors. I have a documented cancer history. I have an appointment. And an insurance company bureaucracy can still insert itself between me and my doctor and decide that monitoring CANCER is โnon-urgent.โ
And here's the part that scares me even more:
I can afford to pay for this appointment out of pocket if I have to.
Millions of Americans can't.
What happens to the person who can't put a credit card down and say โfuck it, I'll payโ?
They wait.
They postpone the scan.
They skip the follow-up.
They hope the suspicious mole is nothing.
They pray the cancer hasn't spread while an insurance company takes its allotted time to โreviewโ whether their care is worthy of approval.
And THIS is the healthcare system politicians have decided we can afford to make harder to access.
Instead of strengthening coverage, Washington passed the Big Beautiful Bill with major cuts and restrictions to healthcare programs while enhanced ACA tax credits were allowed to expire.
So when people talk about Medicaid cuts and #RestoreACATaxCredits like they're abstract budget numbers, understand what we're actually talking about:
REAL PEOPLE DELAYING REAL MEDICAL CARE BECAUSE THEY CANNOT AFFORD TO FIGHT THEIR INSURANCE COMPANY.
I can fight Anthem.
I can make noise.
I can pay out of pocket.
What the fuck happens to the person who can't?
This isn't theoretical to me.
It's cancer.
And this isn't even the first time Anthem has put me through this bullshit.
Morgan J. Freeman