Posted by Apple73 on Oct 17, 2020 11:25 pm
Essjay, thank you for your comment. We will call Pharmacare to find out whether they would exclude me for pre-existing conditions. It's a difficult decision, treatment or family's future life.
Posted by Kuching on Oct 18, 2020 9:13 am
Also, and this is going to sound silly but it works - try flipping a coin, heads for Japan, tails for Manitoba. Not so you can decide what to do, but to find out what you really WANT to do. For instance, if it comes up tails, do you feel relieved or disappointed? Sometimes it can tell you a lot about what’s going on in your subconscious!
Pharmacare Deductible Estimator
The Pharmacare deductible for the 2020/2021 benefit year is calculated as follows:
- The total income is determined from line 150* of your 2018 Canada Revenue Agency (CRA) Notice of Assessment.
- The applicant's total income is added to the total income of a spouse (if applicable).
- *If you and your spouse elected to split pension income, the line 150 amount is reduced by the split pension amount indicated on line 210 to ensure the pension income transferred is not included twice in a family's total income.
- $3,000.00 is subtracted from the total income for a spouse and each dependant under the age of 18 years. This amount equals to the Adjusted Total Family Income.
- The Adjusted Total Family Income is multiplied by the corresponding percentage rate in the chart below to determine the Pharmacare deductible.
Please note: The minimum deductible for Pharmacare is $100. Once the deductible is met, Pharmacare will pay 100% of eligible prescription drug expenses.
Adjusted Total Family Income
Pharmacare Deductible Rate
$0 - $15,000
Posted by JustJan on Oct 18, 2020 10:22 am
First of all I am sorry that you find yourself here but this group is very supportive as you are already experiencing.
I was diagnosed with Stage 1 triple negative breast cancer in January 2019 at the age of 59. I had a lumpectomy and was referred to the oncologist after my post op visit to discuss chemo. I will say I was a little shocked and to be honest chemo was my biggest fear of a cancer diagnosis. I did meet with the oncologist and she said that chemotherapy was being offered as an insurance policy. When I looked at my life expectancy (based on a chart) it was 80 without chemo or 82 with chemo. I decided not to do chemo as I didn’t think it was worth it. A baseline CT scan she ordered showed an ovarian mass and I was diagnosed with ovarian cancer as well, also stage 1. I ended up having to do chemo anyway but the chemo would work for both types of cancer. I will say chemo was not nearly as bad as I had imagined but definitely not a walk in the park. My genetic testing fast tracked and I was found to be BRCA1 positive. Because I am BRCA1 positive, I will be having a prophylactic bilateral mastectomy in about a year from now when I am done my maintenance therapy for the ovarian cancer. If you happen to get your genetic testing results before your surgery and you turn out to be positive for a gene mutation, you may want to reconsider your surgical option to prevent further surgery down the road.
You are doing a great job advocating for yourself and getting as much information as possible to help you make the decisions for your treatment plan.
I wish you all the best as you tackle the road ahead.
Posted by worried daughter on Oct 18, 2020 11:54 pm
After a year and a half of tests, my 81 yr old mother has been diagnosed with stage 4 Non Hodgkin's Lymphma (follicular). She is not your average 81 yr old! Still works full time hours and never stops. My parents live with me in their in-law suite/house. I am the one who takes her to the appointments and makes sure she follows the dr's orders. Next month she starts her oncology treatment with Bendamustine and Rituximab. Her treatment is the first 2 days of the month for 6 months. Hoping to find out info on this treatment and what we can expect.
Posted by SueZQ on Oct 19, 2020 2:26 pm
Posted by Essjay on Oct 20, 2020 7:47 am
Its a whirlwind getting diagnosed and then it’s hurry up and wait. Wait for appointments, wait for results etc.
I remember my surgery consult very well. I was shocked at being given the choice between a lumpectomy and a mastectomy and needing to choose there and then...
You will be asked all kinds of questions about your medical and family history, and they will tell you what they know about your cancer from the biopsy. The surgeon will go through your options - lumpectomy plus radiation gives as good a chance of saying goodbye to cancer as a mastectomy. A mastectomy is a much more complex surgery, and reconstruction takes multiple surgeries.
But they will give you a chance to ask questions - I had a notebook of them. I sat down the night before with my husband and we wrote our own. We had questions about the surgery - what the surgeon would do, and recovery afterwards. I’m an active person so I wanted to know how long before I could get back to the gym. And time off work.
I had lots of questions about what happened after surgery, but my surgeon only really knew about the surgery not chemo or any other treatment.
Have you found the breast forum yet - lots of discussions about treatments specific to breast cancer. You are among friends here. Women (and a couple of men) who have had all kinds of treatment, in all different stages, and they will chime in and help with any questions.
Where are you being treated?
How are you doing now the diagnosis is sinking in?
best wishes, Essjay
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