Tag: Autologous Stem Cell Transplnts

February 4, 2025 – The Cost of Stem Cell Transplant

February 4, 2025 /

I anticipate being brief today because a picture is worth a thousand words. I believe that I mentioned this earlier last year, but for the sake of clarity: a stem cell transplant would not be performed without insurance approval. That was all pre-approved before we went through all of this last summer.

I brought it up, so I might as well give a quick overview for context purposes. My wife had an Autologous Stem Cell Transplant. This is the most common form put into practice (I have to admit that I don’t know much about the other types). The theory is that the oncologist is going to kill the cancer first, like a first time diagnosis. If that goes well, then you go through the transplant process.

This consists of high dose chemotherapy, harvesting your own stem cells, then putting them back into you when the high dose chemo is complete. The purpose would be to reboot your own immune system. This is accomplished by getting good stem cells post chemotherapy, killing everything and then starting over with the good cells. The autologous part means that you are the donor for the stem cells. I have to believe that other types use different donors, but not 100% sure.

While the process is fairly effective, the risk is not from the procedure itself but the secondary effects. Those would be infection due to lack of immune system, stroke from high blood pressure from all of the medications, dehydration from side effects and failure to thrive through eating, drinking and mobility.

It is imperative to be near the treatment center with high dose chemotherapy. Some sessions took up to six hours to complete. By the time it is over, the requisite hospital stay of 7-10 days is required and if you went through it you would agree. After that, the follow-up treatment is pretty minimal. Our staying in Portland was a function of how far we lived from the treatment center (a requirement). To be honest, I am glad that we did.

When you look through the pages and pages of the Explanation of Benefits (EOB) statement, you would see all of the activities for this event. This is not the total cost but it is pretty close. You have lodging fees, plus food and incidentals. In our case, the lodging was reimbursable so that was net zero. The only additional cost really was the convenience food or unconventional packaging.

I thought that it might be interesting to show what a major medical event would actually cost. I know that one day we will probably all have one but unless you are actively caring for someone you don’t get an opportunity to really understand this. I found it interesting anyway.

End Your Programming Routine: OK, I am going to leave cancer for good (unless it comes back). I want to count my blessings that it has been a stable and calm six months. I am doubly thankful that insurance covered the process completely and disability handled the loss of income. If you have to go through this, it couldn’t have been much better than this. God must be looking out for us which means there has to be a greater purpose from this event. I will keep my eyes open.

July 16, 2024 – My Lastest Thriller…

July 16, 2024 /

I know that this is a big deal to me, maybe not to you. There is a lot to know and so this book is one of the first things the doctor gives to you. The good news is that I am not going to subject you dear readers to a lot of facts and figures about something you may never experience in your lifetime. There were however some either extremely interesting factoids or things that are universal that I want to talk about today.

I was in line at a local store the other day. The woman behind me said in a loud voice ‘how does someone take chemo and not lose their hair’? I didn’t recognize the voice and resisted the urge to whip around. The cashier said ‘you probably have to read the story to find out’. I slowly turned to try and see what was the specific subject. I couldn’t and I had something to say but I just didn’t want to get into it.

What I learned from reading the book was that losing hair from chemo is a form of alopecia. Doctors don’t actually know the reason or cause for most alopecia but it is thought to be an auto-immune problem. Trigger for those can be stress or environmentally induced. I am pretty sure that chemo covers both of those situations.

The second thing and probably the most surprising thing I learned about this process is that it is a reboot of the immune system. When I say reboot, I do mean reboot and all of the learned immune protection is wiped out. When I say that, this also includes vaccines. If you have kids in the millennium then you will be aware that children are getting twenty some vaccines these days. You need to do them all. I see a lot of sickness in the future.

I also read something that I have never heard before. As I said in the podcast that only people who had insurance cover the process would get it. The book talks about some strategies to raise money because apparently some health systems will work with the patient, not ours.

Get this, apparently there is a way to cash out term life insurance before you are actually dead. It seems that if death is inevitable you can work with at third party to pay the insured less than face value. They have to buy out the policy so this is one and done. I suspect that this is something more akin to a payday loan or an estate advance. But, it is an option if the straights get dire enough.

The book itself was interesting enough. I enjoyed reading the historical evolution of the process. It definitely seems much safer, successful and refined than it was seventy years ago. That is a good thing. I call it a thriller because after reading the book, it is much clearer what was going to happen but not necessarily before that.

End Your Programming Routine: I didn’t need to go through this process to learn that you have to be your own advocate in the system. This time just reminds me how that is true. You cannot be your own advocate if you do not understand how it is supposed to go. Next time, I want to skip the thriller and have a love story instead. But, I don’t always get to choose the books to read.