She might need a second opinion. Chemo could be recommended to shrink the tumor before surgery, or it could depend on the spread. Encourage her to ask her doctor about the treatment plan and next steps.
Self-funded insurance plans can be risky for employees. Companies might prioritize saving money over covering necessary treatments. She should check if the company has stop-loss insurance to protect against high claims.
@Morgan
Most large companies use self-funded plans. It’s not uncommon.
@Morgan
This is their first time with a self-funded plan. It hasn’t been great so far, and they’ve acknowledged the higher costs.