Dear Friends of David,
The year 2018 has found David continuing on with the business he launched in 2017, Senior Health Insurance Brokers, LLC. This endeavor grew out of his volunteer experience as a Medicare Counselor for the local SHIIP office in Durham. His experience with Medicare and insurance of course grew out of his incredible experience with his liver transplant and the complications presented to him when his liver disease caused him to enter disability, lose his insurance, join the marketplace in its infancy, have his transplant, go to Washington, speak to members of congress, speak nationally about the challenges of the disabled and insurance. David became an advocate for the people. He found that he could best serve people by gaining an in-depth understanding of how Medicare worked and how insurance companies worked with Medicare and then working directly with people to educate and empower them to select the plans that best meet their needs. He became an independent insurance broker for Medicare products. His only clients are those on Medicare, either as a result of disability or age. This is a passion for David.
Updates (4)
June 17, 2018
Dear Friends of David,
The year 2018 has found David continuing on with the business he launched in 2017, Senior Health Insurance Brokers, LLC. This endeavor grew out of his volunteer experience as a Medicare Counselor for the local SHIIP office in Durham. His experience with Medicare and insurance of course grew out of his incredible experience with his liver transplant and the complications presented to him when his liver disease caused him to enter disability, lose his insurance, join the marketplace in its infancy, have his transplant, go to Washington, speak to members of congress, speak nationally about the challenges of the disabled and insurance. David became an advocate for the people. He found that he could best serve people by gaining an in-depth understanding of how Medicare worked and how insurance companies worked with Medicare and then working directly with people to educate and empower them to select the plans that best meet their needs. He became an independent insurance broker for Medicare products. His only clients are those on Medicare, either as a result of disability or age. This is a passion for David.
During David's transplant his "old" liver was found to be cancerous. The cancer did breakthrough the microvascular and lymphatic system. This has resulted in a lifelong course of oral chemotherapy for David. The current cost is over $6,000 per month. With the Part D drug Plan the monthly cost is reduced to slightly over $300 per month for this one drug once the catastrophic level is reached.
The upcoming years are going to be a challenge, particularly with out-of-pocket costs. While insurance and Medicare will cover significant portions of prescription costs, a huge percentage of these costs will not be covered. It appears that David will enter and exit the "donut hole" within the first month of every year. His out-of-pocket costs will exceed our annual income by several times each year. It is because of this that we are re-launching our fundraising campaign.
If you have donated to the campaign in David’s honor in the past, we thank you from the bottom of our hearts. Your funds have been used to pay for home health care, drugs not covered by insurance, and fees associated with hospital and clinic visits. Your donations are tax deductible to the full extent allowed by law, are held by Help Hope Live in the South-Atlantic Transplant Fund, and are administered by Help Hope Live for medically-related expenses only. If you have not yet contributed to the campaign please use this as your opportunity to make a contribution now. Your help will be greatly appreciated.
For credit card contributions, please click the "Donate Now" button.
We thank you in advance for any help you can provide.
Sincerely,
Mary Tedrow (919-908-6437)
May 4, 2017
May 2017,
The third year post transplant finds David anxious to return to the world of work. Even though he is still disabled, as his immune system is medically suppressed, he wants to get back in the swing. During his "retirement" he volunteered with SHIIP a program that offered Medicare counseling. Now he has opened Senior Health Insurance Brokers, LLC in Durham, NC to specifically meet the needs of seniors and those people on disability who qualify for Medicare.
On the personal side. David and Mary became grandparents for the first time last July.
Maintaining anti-rejection drug therapies along with anti-cancer drug therapies is financially crippling. One drug alone is over $6,000 per month. Insurance and assistance programs do not cover it all. Understand that your contributions are deeply appreciated. Thank you!
