Dr. Rodney T. Hard
By: Rodney T. Hard
To My Cousins Andy and Wanda Brown,
We mourn the passing of your mother, my Aunt Charlotte. I have many fond memories of Uncle Evan and Aunt Charlotte from our visits to your house in New Jersey in 1959-1960 and in 1964-1965 during our furloughs from the mission field in Korea.
Thank you so much for your card and for handling all of this so graciously. I want to tell you what a blessing this gift from God has been to us and many other people. Your mother’s gift to us has been a gift from God to many people. Let me explain.
Last year, my wife Penny found out she had a deadly breast cancer. Our immediate concern, of course, was for her health and well being. But a secondary concern was the $6300.00 deductible on her health insurance.
Penny wanted to lose herself at the casino that night so that she did not have to face her fear and shock. It was her way of escaping. She got really lucky that night. When we got home and counted up her winnings, it was exactly $6300.00. We praised God and told the story many times for God’s glory.
Well, on March 5th of this year, I got another bill for this year’s deductible of $6300.00 since Penny had already racked up quite a bill from her chemo treatments this year. On March 6th, I received a fat letter from some lawyers in Maryland and my heart sank. I don’t like getting letters from lawyers. Well, PRAISE GOD! The day after I get a bill for $6300.00, I get a letter saying that I had inherited $6300.00 from Aunt Charlotte. God’s hand was all over that.
Your Mom’s generous gift has not only helped me directly, it has been a “GOD THING” inspiration to many. Some have even repeated the story in their churches. What a blessing this has been to so many people. What a great witness for the greatness of God. What an amazing set of “coincidences” to strengthen my faith and the faith of others.
Thank you, Aunt Charlotte. I will see you soon. I trust you and Mom are having a lot of good laughs together and waiting patiently for the rest of us to join you both for eternity. Praise God!
Grandma and Grandpa Vogel, Aunt Violet, Aunt Charlotte, and Uncle Evan
Addendum on 01-30-2017.
Penny's cancer returned, so the doctor put her on a new course of treatment which consisted of two drugs taken orally at home. After two months it looked like Penny's cancer was getting better and the palpable tumor had shrunk and could almost not be felt anymore. Praise God!
Early this January I called the special compounding pharmacy to order Penny's next round of chemo drugs. The pharmacy told me they could not ship it because Penny did not have insurance. I was shocked and confused. Penny had had that insurance policy for several years and it rolled over automatically at the end of each year. The premiums were payed by automatic withdrawal from her bank account so we had never missed a payment. What was going on?
I called Anthem to ask about it and was informed that this "product" was no longer available in this area. Anthem had discontinued all the PPO policies that were sold under the Obamacare umbrella via the internet website. They said that they had sent us a letter to that effect but Penny had been receiving two to three letters every day for months from insurance companies and brokers who wanted to sell her insurance and get her signed up in Medicare when she turned 65. After reading a few dozen of those letters, we had stopped opening the letters and just began throwing them away.
We were shattered! Penny cried and cried and and was inconsolable for days. The drugs are billed to the insurance company to the tune of about $24,000.00 per month. I took several days off and frantically scrambled around trying every possible way of getting those drugs and obtaining another insurance policy. We prayed and prayed and trusted that God would answer our prays. He always took care of us.
With the help of a Norton's Cancer Center financial counselor we were able to get the Novartis Patient Assistance Foundation to pay for the most expensive of the two drugs and get it to us as soon as possible. Penny missed about eight days of the chemo drug but she is back on track now. As a patient without insurance, Penny was eligible to get the other drug for a mere $620.00 as we could not find any foundation to help with it. When I called the Norton's Specialty Pharmacy and asked him to take payment over the phone and send those drugs, he was very cooperative. In fact, he put me on hold for five minutes, only to come back with the question, " Would it be alright with you if I could get that drug to you for only $50.00?"
Between discounted payments for office visits and procedures in January and the mere $50.00 in drug costs, it ended up costing less than what our January insurance premium would have been. The Lord provided AGAIN! Thanks be to God. We have since obtained another policy to sustain us from February through March. After that, Penny will be on Medicare and the treatments will be covered for the most part.
In spite of all adversities, we have joy and faith in Jesus Christ. Penny has been a real trooper through all of this and truly believes that God will always provide for our needs.
Aunt Charlotte and Uncle Evan Brown in middle of picture. Aunt Charlotte is my mother Grace's sister.
Penny, Rev. Theodore Hard, and Rodney Hard. My father married Penny and me on December 17th, 2006 at Penny's China Inn Restaurant in Louisville, Kentucky..
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