My husband was diagnosed with RCC w/Metastatic Tumors throughout both lungs in late February 2009. He had his Right Kidney w/primary tumor removed on April 2. Since the tumors are throughout both lungs, they cannot remove them.
He is self-employed so we both have our own insurance (thankfully) however, you need to immediately sign up for Social Security Disability Benefits. http://www.ssa.gov/pgm/links_disability.htm Benefits begin 6 months from date of disability.
There is a checklist at the Social Security Site that you need to make sure you complete and bring with you. I also brought a letter from my husband's Oncologist stating the fact that my husband would be unable to perform any work for the forseeable future.
I also made an appointment and was able to go ahead of all the "drop ins" that were there. It is my understanding that the Medicare portion (which will provide health coverage) won't start for 2 years however I've been told that we may be able to get that started sooner as well. We, too, fear that the insurance rates will be far more than we can pay when the policy renews a the end of this year!
You can get a lot of information on what you need to sign up for at a site called http://www.cancercare.org/
They have a very informative booklet that guides you through the "what to do's" http://www.cancercare.org/ pdf/booklets/ccc_ask_cc.pdf
I retired from my job 2 years ago to help my husband with his business however there is no way we can live on less than $2,000 per month so I am now thinking of going back into the workforce...
Our children and Church have been a tremendous help to us financially the last 4 months but the reality is that I will probably have to have a job with some benefits until Medicare kicks in.
You've got to be proactive right away. Remember, SS Disability takes 6 months before benefits begin, so you will need to give the date of disability as the date in which he began seeking medical help to diagnose problem. My husband's tumor was growing rapidly and cause severe, severe anemia and he was unable to work since December of 2008.
Hope this information is of help...