by lkw787 (16 Posts), Sun Sep 22, 2013 11:18 pm
I had dual union provided health insurance that paid 100% of the costs of my care and recovery from the stroke that HELLP gave me at my daughter's birth. After HELLP struck with no warning, I needed $11,000 in blood transfusions, a craniotomy and a tracheotomy, 6 weeks on life support, 6 months in hospitals and 18 months of cognitive and physical therapies to recover from the stroke/liver rupture HELLP caused and was BLESSED to have the insurance I had (which I earned from working in a high stress unionized field for more than ten years) and also earned by my husband after I told him that he could negotiate health insurance as part of his deal though his was not a union job. Ultimately, my care cost more than $2 million and my policy used to have a $2 million cap on insurance pay outs meaning that I could no longer remain covered but luckily Obamacare (aka "The affordable Care act") passed, removing lifetime caps so now I can retain coverage, though it isn't as GREAT as it used to be now that it is SINGLE coverage rather than DUAL coverage and my union is now requiring monthly premiums from all members. Still, I realize I shouldn't complain. We have been truly blessed.
The cost of my illness to my insurance company was HUGE: as mentioned, more than $2 million, and completely unanticipated by me or my Obstetrician. Mine was to be an "easy" scheduled C-section. My OB had put me on close monitoring prior to HELLP hitting due to a low amniotic fluid scare after I came down with a severe case of the flu (random, not related to HELLP) and then she took me off of monitoring and took me off of the blood thinner and...coincidence? (I'll never know) HELLP hit within 36 hours, nearly killing me. Though I've been told that ceasing lovenox probably had NO RELATIONSHIP WHATSOEVER to me getting ill I have a hard time believing it.
Anyway, the costs were huge and I remain grateful for all the care we received that enabled me to make an excellent recovery.
P.S. I was underweight when I conceived, a life long vegetarian and non smoker who did prenatal yoga and swim aerobics while pg. My only added risk factors was that I used DE (donor egg) to conceive and I was over 40 (I was 44 when DE finally worked for us.)