Since the age of 2, Madeleine Kelly-Kellogg, now 7, has gone through three surgeries to remove a benign brain tumor. After the first surgery Madeleine lost all ability to function on the right side OF her body and underwent two months of therapy to learn how to walk and speak again.
Melissa Kelly says she was surprised to learn how fast her daughter's insurance's $1 million lifetime limit could be spent.
"People don't think about how fast it goes," she says. 'You think $1 million is a lot until you're paying $2,000 to $3,000 a day for a hospital bed."
Madeleine's father, Deren, gave up full-time employment to take care of his daughter and the family struggled to pay their bills.
"The biggest monetary hit was that my husband could not work, we had a lot of bills; plus, someone had to take care of her," Kelly says.
When the tumor came back for the third time, the family made the decision to seek treatment at St. Judes Children's Research Hospital in Memphis, Tenn., where all of their hospital and travel expenses would be paid for. St. Judes selects patients who have special cases and no other alternatives. Kelly says she believes her daughter would have died without that option. Other doctors told her the surgery to remove Madeleine's tumor was too risky and could cause permanent damage.
Today Madeleine, a bubbly first-grader, has fully recovered. Kelly has concerns, though, that a day will come when her daughter won't be able to obtain insurance due to her pre-existing condition.
Kelly, a psychology professor at Millsaps College doesn't plan to change careers anytime soon, but even so she is bound to her current employer's health insurance plan as she fears it would be impossible to obtain new coverage because of her daughter's pre-existing condition
"She has the most massive pre-existing condition you could ever imagine," she says. "Before all this we were the textbook family for what a hospital would want to have."
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