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Mom is back in Washington! KGW8 News

Story by Daisy Caballero, KGW News 8

Full Story Link

We did it!!!!!

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Mom officially arrived back in Washington last night (12/11/2023) at 10:20 pm and was directly transported to the University of Washington in Seattle and admitted to the hospital for the medical care she has desperately needed for 7 months.  It feels surreal and we are over the moon to all be back in the same state!!!  Our hearts are full and our family complete again!

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.As we continue to navigate this next chapter, our efforts to raise money and continue to advocate for her care don’t stop with the  plane arriving.  We will need to pay off the $144,000 medical repatriation loan to the federal government and we will need money for ongoing care and treatment Humana will likely fight against covering.  Please consider continuing to follow and share our story on social media, the website and here. 

Thank you so much for all of your support, I cannot begin to tell you how much we have appreciated this amazing tribe of people!!  There are no words adequate for our level of appreciation!!  

❤️

KGW 8 Update on Diana’s Story

Read full story by Daisy Caballero on KGW’s site.

Diana James suffered a brain bleed in May that took her into a coma. Now, the family is left to pay $160,000-$200,000 to medically fly her home back to Washington.

Author: Daisy Caballero
Published: 6:52 PM PST November 14, 2023
Updated: 6:54 PM PST November 14, 2023

VANCOUVER, Wash. — A Vancouver family is fighting to bring their mother, Diana James, back home after she suffered a life-threatening medical emergency overseas. And while she has started opening her eyes back in August, her full recovery is far from being over. 

“It’s a fight I will never give up to bring her home,” said Megan Kunze, Diana’s daughter. “It has all been an absolute nightmare. Watching your mom like that is very traumatic.”  

Back in May, Diana suffered a brain bleed that put her into a coma while traveling to Portugal, and after 180 days, she’s still there, with no word on when she’ll be medically flown back home — which will cost between $160,000 to $200,000. 

PREVIOUS: A Vancouver woman is stuck in Portugal after suffering a medical emergency. It’ll cost $250K to fly her home

While Diana is covered under Humana insurance, Kunze says they have denied paying for the bill three different times. 

“Originally, it was based solely on the fact that she was out of the country, so they didn’t have to cover it under Medicare guidelines,” Kunze said. “However, we have proven with the clinician’s help and with our legal team that it actually started occurring on U.S. soil.” 

According to Kunze, because her mom is a U.S. citizen, Portugal’s medical system is only required to perform life-saving treatment and stabilization of a patient. She has yet to see a neurology specialist or any rehabilitation treatment for her coma disorder — which is crucial to her full recovery. 

“There are these situations that I’ve seen with very similar parallels in my experience,” said Aj Roland.

Roland is medically representing the family on behalf of Connect Health as the case manager and clinician. He’s a healthcare executive with a background in special operation medical services.

“Really, when you go back and look at this with an analytical eye — and not an eye that is geared to denying the claim but one that really questions the data in front of you — you can see that clearly, this is a woman who is at risk and has a history of past traumatic brain injury,” Roland said.     

To make matters worse, there are plans to move her to a lower-quality hospital, where a nursing shortage and strike are happening. She is also on her seventh hospital-acquired infection, including pneumonia, which doctors say will just continue to worsen. 

“It is painstaking to watch your mother suffer from infection after infection after infection,” Megan said. “We’ve witnessed unsanitary conditions in the hospital. We’ve witnessed them not connecting her feeding tube and having it leak all over the floor.”   

Megan has reached out to local and state leaders. She will be filing for a repatriation loan later this week with help from Senator Patty Murray’s office. In the meantime, you can check out the family’s Gofundme and their website with resources and more of Diana’s story. 

KGW has reached out to Humana for comment but has not heard back. 

Our Experience Without Travel Insurance, and What We Have Learned

When Diana first fell into a coma after her subdural hematoma one of our hindsight regrets was not having purchased travel insurance. In a study by AAA, only 38% of Americans plan to or have purchased travel insurance for international flights. Our family has had little experience with international travel. Diana’s ticket was purchased by a family friend to bring her out to Portugal for a visit. Often, it is during the process of booking a ticket where travel insurance is purchased, their coverage can be decent, but at times more expensive than purchasing it separately, and with fewer options than what can be acquired through a more tailored plan.

Since she fell into a coma we have researched deeply into travel insurance to see how it could have helped us, and to help others avoid the same situation. With the most expensive problem, international air medical repatriation, there seems to be only 2 specialized options that would have helped. However, We do want to highlight where general travel medical insurance would have been valuable to us. In this post, we will explore the different options for travel insurance, and where it would have had the most impact in our situation.

Continue reading “Our Experience Without Travel Insurance, and What We Have Learned”

Emergency Evacuation/Repatriation Coverage

Original Link | Cover Trip

*Note: This deeply relevant article has been re-arranged to highlight the coverage elements that we feel are most important. Nothing has been changed or edited, beyond moving some info to the top. Please visit the original link for the unedited version.

This coverage provides for medically necessary evacuation to a medical facility, medically equipped flights to return home, or the repatriation of mortal remains to your primary residence. (A repatriation definition is provided below.)

Contents (click to jump down *on original site)
What does Emergency Evacuation/Repatriation cover?
Repatriation definition
What is NOT covered
Is there coverage for non U.S. citizens?
Important notes about this coverage
What type of policy covers this?
How much coverage does each company provide?
Summary

Summary

  • All medical evacuations and repatriations must be approved and coordinated with the travel insurance provider
  • Not all plans provide for the return of minor children or bedside visits
  • Emergency evacuation and repatriation coverage does not extend to visits to your home country

Important notes about this coverage

  • Emergency evacuation and repatriation coverage does not extend to your home country
  • All medical evacuations must be approved in advance and coordinated with the travel insurance plan agents
  • In a situation of repatriation, your representative must contact the travel insurance provider to make arrangements
  • Some plans provide reimbursement to bring a friend or family member to your bedside if you are hospitalized for at least 7 days
  • Some plans provide reimbursement to return dependent children home if you are hospitalized for at least 7 days
  • Benefits paid for evacuation and/or repatriation are less the cost of your unused return travel ticket
Continue reading “Emergency Evacuation/Repatriation Coverage”

Air ambulance insurance coverage for medical repatriation and evacuation

Original Link | Air Medical Service Worldwide

Reading Time: 5 minutes

Table of contents

  1. What is an air ambulance?
  2. How much does an air ambulance flight cost?
  3. Is air ambulance covered by insurance?
  4. What is air ambulance coverage?
  5. Is air ambulance covered by health or travel policies?
  6. Does your insurance always cover the air ambulance cost?
  7. Are there limitations and exclusions to air ambulance coverage?
  8. How to make sure your air ambulance costs are covered by insurance?
  9. Do you have any questions?
  10. Contact us

Medical Air Service is an internationally renowned air ambulance company that connects patients and health-care providers all over the world. In a critical medical condition, do you or a loved one require a timely and reliable transfer from one hospital to another across the globe?

Count on us for your medical flights! They are specially designed to relieve you of the stress of aeromedical repatriation and evacuation, and are coordinated by our teams of experienced medical personnel and flight attendants. However, does your health or travel insurance cover our services? While some policies do, gaps in coverage can leave you struggling to pay large bills. Here are a few of the most important highlights.

Is air ambulance covered by insurance?

  • Generally, standard medical insurance does not cover air ambulances
  • For your medical flight to be covered by insurance, you must have air ambulance coverage
  • Air ambulance coverage is, sometimes, included in travel insurance plans
  • Read your insurance policy carefully or ask your insurer about air ambulance coverage
  • Medical Air Service can organize your air ambulance flight, even if you do not have air ambulance coverage.
Continue reading “Air ambulance insurance coverage for medical repatriation and evacuation”