Paralyzed teen longs for home: Insurance won't cover care that would allow her to leave hospital
By Dorsey Griffith Bee Staff Writer (Published April 2, 1998)
At Sutter Memorial Hospital, Room 476 has been transformed in the past three months. A stuffed lion, bear and pig hang from an IV stand. Giant metallic balloons hover near the ceiling. Snapshots adorn the cabinets. A Pearl Jam tune plays on a boom box on the window sill.
But hard as Sara Granda tries to feel comfortable in this intensive care unit room, it's a far cry from home for the 18-year-old.
The most agonizing thing is that doctors and hospital officials agree she is ready to return to the Davis home she shares with her mother and sister.
The problem for Sara, who was paralyzed from the neck down in a car accident last July and breathes with the help of a ventilator, is that her insurance will not pay for the round-the-clock nursing care she will need once she gets home and there is no guarantee that public assistance can fill the gap.
So, while everyone argues over who is responsible for the costs of her care, the girl who was supposed to be studying international business on a scholarship at Cal Poly waits alone in a hospital room typically reserved for the critically ill.
"Everybody here is old," she says, her soft-spoken words separated by gasps of breath, tears streaming from her clear brown eyes. "They can't talk. My neighbors are dying. It's depressing because I think I may die, too. I want to go home."
Sara's ordeal began July 24 while running errands in Woodland with her older brother. The two had been shopping for clothes and then went to fix the tires on her 1989 Ford Escort.
"The car ran off the road. I wasn't speeding. Then I tried to brake, and the car flipped over three times and spun around."
Her brother walked away from the accident, but when Sara woke up at the UC Davis Medical Center, she found she wasn't so lucky. "I couldn't move. I couldn't talk."
Sara had broken her neck and suffered the same spinal cord injury as actor Christopher Reeve. Like Reeve, Sara has no feeling below her shoulders and breathes through a tube in her throat.
After five weeks at UC Davis Medical Center, Sara was transferred to Children's Hospital in Seattle, where she spent three months in a rehabilitation program. She then went to University of Washington Hospital, where she remained for a month.
On Dec. 29, she was flown to Sutter Memorial. What was meant to be a weeklong stay, however, has turned into a three-month hospitalization where she is cheered only by family visits, television sitcoms and time with her nurse, who applies makeup and paints the nails on Sara's unmoving fingers.
Her doctor, pulmonary specialist Bradley Chipps, said there is a very slim chance that she will recover any movement or that she will ever breathe on her own again. He has recommended she get 24-hour licensed nursing care.
He said that as long as she's cared for appropriately she should be able to live a long and productive life. For Sara, that begins with a trip home.
The chief obstacle is the health insurance policy her father has as a professor at California State University, Sacramento.
Jos Granda pays about $375 per month for the coverage he bought through the California Public Employees Retirement System. He also pays for the PERS long-term care plan.
"Professor Granda was responsible enough to take out what was represented to him to be the very best insurance available for his family," said Roger Dreyer, the family's attorney.
In fact, the policy covers only 100 home nursing visits per year at four hours per visit, or 161/2 days of 24-hour care. The long-term care plan does not cover dependent children.
"No one offers 24-hour nursing care for a person's lifetime," said Pat Macht, Cal-PERS' public affairs chief. "Our job is to make sure everyone gets the benefits they are entitled to. It's also our job to make sure . . . we're not providing things that aren't under the policy that would ultimately cause rates and premiums to go up and out of control."
Macht added that the plan will pay for only 180 days of skilled nursing care at $500 per day. Sara has used up 90 days already.
Sara's mother, Beverly Granda, has applied for Medi-Cal, which would most likely cover up to 16 hours per day of home care. But even if that were enough to meet the need, few home health-care operators accept Medi-Cal patients because the reimbursement rate for 24-hour care -- at $532 per day -- is too low.
"You just can't make any money at it," said Richard Helms, administrator at Customcare of Sacramento, which specializes in ventilator-dependent patients.
Hospital officials have tried to urge Sara to consent to moving to a skilled nursing facility, but they acknowledge that none exists in the Sacramento area that are appropriate for her. And they know she fears being put in an institution more than anything else.
So, she remains in the intensive care unit at Sutter Memorial because it's the only place in the hospital where nurses trained to take care of patients on ventilators and respiratory therapists are available around the clock.
"I have told the family I can't turn Sutter into a rehab facility," said assistant administrator Mark Rieger. "But I do think we have gone out of our way to accommodate many of the things they need."
The hospital has paid many of the bills Beverly Granda has been unable to pay since quitting her nursing job to care for her daughter. Craftsmen for Christ, a charitable group, has begun readying the Granda home for Sara's return. And members of St. James Catholic Church in Davis have sent meals to the Granda home and have made a quilt that will be raffled off for her care. They have also set up a trust fund to help cover the cost of moving her home.
Sara still clings to her dream of going to college with the help of a nurse and looks forward to attending weddings and baby showers for her friends.
In the meantime, she has asked her nurse to take the clock off the wall in her room. "Otherwise all I'd do is watch the clock," she said.
-- Maksim (Max) Bily
mail to: imax(AT)odyssee.net