Last year, I was taking care of my mom, who had stage 4 lung cancer. After two of my 24 hour caretaking shifts, I had an episode where I could not get out a word (it lasted less than 20 seconds). I thought I was sleep deprived, so I went to bed.
For about a month I also had a dull headache and a little balance issue (similar to ear or sinus infection). Since I have had previous issues with sinus headaches, I thought this was like the others, not bad enough to require an appointment with my doctor.
After my mom passed away, another episode of not being able to say a word (again less than 20 seconds) happened, so I made an appointment with my primary care doctor who referred me to a neurologist. The neurologist sent me for all kinds of tests – the first one was a MRI of my brain. Some would say to count the marbles that were there.
Well, I actually had one too many marbles. The MRI revealed a right parasagittal falcine meningioma brain tumor (it was a little wider than a half dollar coin). On November 5, 2015, I was admitted into the hospital and had another MRI, a CT scan, chest & lung x-rays and then that afternoon, I had a craniotomy to remove the 3.2 cm atypical meningioma tumor.
I woke up paralyzed on my left side and was in ICU for another week. After ICU, I was moved to a rehab facility and finally came home on November 20, 2015. There were many more days of therapy until February 2016. By the way, I am now a new version of me and back to 95% of where I was before surgery. All of the tests and expenses did not end here. During all this chaos I decided to sign up for FedAdvantage medical expense plan in December. I am so glad that I did!!! Although I did have to pay for all of my 2015 expenses which reached the catastrophic limit on my BCBS insurance.
Without going into further detail and to keep this article from turning into a book, since April, I have had to have a MRI, EEG, X-ray, Blood tests, Iron Infusions, etc. – none I would have imagined ever needing before November, 2015.
I share all of this with you, because you never know what life will throw your way, but you can plan for the unexpected as much as possible. Since January, I also have had more unexpected expenses. Enough of that, I think you get an idea now.
Because I decided to sign up for Medical Expense Insurance with FedAdvantage, I can share with you firsthand how it has helped me keep some money in my pocket.
The amount that I paid for this insurance is considerably less than the amount they paid out for me. This year they have already paid the $1000 outpatient coverage for me, and if (let’s hope not) I were to be admitted to hospital they would pay up to $2000 towards my inpatient expenses.
To get a quote: https://www.fedadvantage.com/quote