This is an update of a piece I wrote in 2013. Unfortunately, the exact same issues still exist now.
Many people hate April 15 because of taxes. But I love it for not having cancer, because (KNOCK ON WOOD) I haven’t had cancer since tax season 10 years ago today.
Early in 2013, I looked at the back of my right calf and thought, “Huh. That looks weird. Has that always looked like that?”
At the time, I didn’t spend a lot of time looking at the back of my calves. I’m sure you don’t spend a lot looking at yours. Kind of like the dark side of the moon, they’re on the dark side of your body. And they’re not interesting enough to make a special effort. What do the backs of our calves do all day long? Who knows, they could be plotting to overthrow the government and we’d never notice.
But for some reason, I did look at the back of my right calf. And I noticed that a mole I’d had there for my whole life looked slightly different. Or did it? I wasn’t sure. In fact, I wasn’t sure I’d looked at this mole since the Clinton administration. But whatever it used to look like, now it looked sort of … like it was splitting in half. Like one side was making a break for it and heading around my leg toward my shin.
Or maybe not. Maybe what I’d thought was one mole had always been two overlapping moles and I hadn’t ever noticed. Maybe?
Then I thought, “Maybe I should go to a dermatologist.”
So I eventually made a dermatologist appointment, an appointment 10 years ago right now. And the most important thing about the way I made that decision, which plausibly saved my life, is that I wasn’t worried at all. I wasn’t worried enough to hurry; it took me six weeks to get around to it. I wasn’t worried when the dermatologist looked at it and said he’d go ahead and slice it off. I wasn’t worried when the phone rang a week later and it was the dermatologist, calling me directly.
What I’d always heard about waiting for results from medical tests is that you want a nurse or receptionist to call you. You definitely don’t want to hear from the doctor themselves. Yet I was so totally unworried that when I heard the doctor’s voice, that never crossed my mind. To the degree I thought anything, I thought, “Wow, this guy is such a caring physician that he makes a point of calling patients to tell them that they’re perfectly fine.”
That was not why he was calling. He was calling to tell me that my weird-looking mole was malignant melanoma, i.e., the type of skin cancer that kills you. Unless it’s caught at the very beginning, which mine was. Then (if you’re lucky like me) they send you to have a big chunk cut out of the site of the melanoma to make sure they got it all, and you look like you got bitten by a shark, and then the receptionist calls to say there were no malignant cells in the chunk, and doctors tell you, “You need to come get looked at even three months, and wear a lot of sunscreen.”
And that’s the thing about melanoma, which you probably don’t know unless you’ve spent many bleary nights reading every single website on the internet that mentions it. It’s not just that it’s the most dangerous of the three kinds of skin cancer, causing 80 percent of skin cancer deaths. It’s that if it escapes from your skin into your lymph nodes, it’s sometimes more dangerous than many other types of cancer. For instance, the survival rates for stage II melanoma are the same or worse than for stage III breast cancer.
But on the other hand, survival rates in its earliest forms are very high. In my case, I learned, there was only a 7 percent chance it would kill me in the next 10 years. Now those 10 years are up, and I’m extremely happy to have not beaten the odds.
So if ever there were a cancer where early detection makes all the difference, it’s melanoma. If I hadn’t gone to have my weird-looking mole examined, eventually one day, a clump of malignant cells would have migrated from my skin to elsewhere in my body and quietly begun multiplying. Would that have taken six months, three years, five years? There’s no way to know. But then I would have been looking at prognosis charts with survival numbers like 67 percent, or 49 percent, or 34 percent. The difference between that and being cancer-free was a five-minute procedure in a suburban office building on a Monday.
That’s why it’s so important to understand how unworried I was. I wasn’t $400 worth of worried, or $100 worth of worried, or even $20 worth. I wouldn’t have gone to the dermatologist if I didn’t have health insurance. I probably wouldn’t have gone if I had insurance but it had a big deductible or even any real copay. The only reason I went to have my life saved is because it cost me zero dollars.
And the reason it cost me nothing is because I was then working for Dog Eat Dog Films, Michael Moore’s production company, and had America’s best health insurance. Moore didn’t just make an entire documentary, “SiCKO,” about our disastrous health insurance system, he did his best to make sure his employees didn’t experience it. My coverage had no deductible, and most doctor’s visits had no copay. (The dental coverage was great too — I had three wisdom teeth removed for a total cost to me of $242.) I’d never had insurance like this before in my life and probably never will again unless I move to Ontario.
So you can understand why ever since, I’ve closely followed the GOP’s attempts to destroy the Affordable Care Act, aka Obamacare. With my melanoma diagnosis, I suddenly became much more interested in everything about health care policy, in the same way you’re suddenly much more interested in the safety instructions in the seat back in front of you when the pilot announces you’re ditching in Lake Superior. And every time Republicans have gone on TV to talk about this subject, what I’ve heard them say is, “We very much want to kill you, Jon Schwarz.”
That’s because Obamacare required insurance companies for the first time to cover everyone, regardless of any preexisting conditions. There’s no more disqualifying condition than cancer; without Obamacare, I would now likely be essentially uninsurable if someday in the future I need to get insurance on the individual market. And we know what happens to people without health insurance in the United States: they die.
This doesn’t mean that I don’t understand Obamacare’s many grievous flaws. But they’re not flaws of going too far; they’re flaws of not going nearly far enough.
To this day, I often think about the thousands of Americans walking around with undiagnosed, early melanomas who could be cured in five minutes. Some of them think something might be wrong but aren’t doing anything because they have no insurance or bad insurance. Is it you, 28-year-old woman in jeggings who’s clearly spent too much time at a tanning salon? Or maybe it’s you, middle-aged dad I saw carting around three kids at the grocery store while getting instructions on your cellphone on what brand of spaghetti to buy. Or you, the 60-year-old cashier at the Indian restaurant who gave me the extra order that someone else never picked up. These thoughts about this unnecessary suffering torment me. If that sounds overwrought to you, I’m guessing you’ve never looked at a pathology report with your name on it that says “diagnosis: malignant.”
And the awful truth is that while Obamacare may save some of those people, it won’t save them all — because although it will help nearly everyone get some kind of insurance, it won’t help everyone get good insurance, the kind that saved me. Some of them will look at their strange asymmetric mole and their $2,000 deductible and won’t be $2,100 worth of worried until it’s too late.
The U.S. right has a phrase they like to use about health care, which is that Americans need more “skin in the game.” This means that the real problem with our system is that regular people don’t have to pay enough, that we “buy” health care like we do clothes or cars, and we’ve been getting too much because insurance makes it seem so cheap. But as someone with some nonmetaphorical skin in the game, I can tell you this isn’t just wrong, it couldn’t possibly be wronger. People don’t want to go to the doctor. They don’t go get pointless chemotherapy instead of going to Six Flags, because chemotherapy and Six Flags are both the same amount of fun but chemotherapy’s cheaper. I didn’t have to pay anything to see a doctor, and because of that, it cost the health care system about $5,000 to treat me. If I’d delayed because I had to pay, it easily could have ended up costing the system $500,000 worth of interferon, CT scans, and radioimmunotherapy, plus the additional downside of me being dead. Multiply that by millions of people and you’ll understand why the right’s crusade against health insurance is more than just evil and cruel, it’s evil, cruel, and incredibly stupid.
The U.S. right has momentarily given up on killing Obamacare all at once and is now attempting to kill it off in pieces. Meanwhile, there’s little interest from Democrats in improving it.
That means it’s up to us. We have to keep fighting, to get rid of the bad parts of Obamacare and keep and improve the good parts, so the Affordable Care Act is just the first step to the only system that’s ever worked anywhere on Earth: universal, high-quality health insurance and health care for everyone. And while we’re working on this, seriously, please, please use lots of sunscreen and don’t skimp on dermatologist appointments.
Clinton Mora is a reporter for Trending Insurance News. He has previously worked for the Forbes. As a contributor to Trending Insurance News, Clinton covers emerging a wide range of property and casualty insurance related stories.