Missouri native Mary Casey hoped that retirement would mean the beginning of a new life with her family.
Instead, it marked the start of the fiercest battle of her life, a battle against adenoid cystic carcinoma, a sinus cancer so rare there are no drugs approved by the U.S. Food and Drug Administration to treat it.
"I've pretty much lost control," Casey, 57, said on "Good Morning America." "You lose control when you get cancer."
Despite surgery and months of radiation, the aggressive cancer spread to Casey's lungs. But doctors said her cancer was slow growing, and that there was hope in a popular cancer drug called Tarceva.
But when Casey went to fill her Tarceva prescription at the pharmacy, her insurer, Coventry Health Care of Kansas, denied her coverage for the drug, saying it considered Tarceva experimental in her case, even though Tarceva is FDA approved for other lung and pancreatic cancers.
Often, FDA-approved drugs are prescribed to treat illnesses other than those for which they were originally intended. But insurance companies can refuse to cover them if their policies exclude experimental treatments, leaving some patients with nowhere to turn.
Jerry Flanagan, health care policy director for the Foundation for Taxpayer and Consumer Rights, criticizes this insurance industry practice.
"Insurance companies broadly look at ways to deny coverage," he said. "One of their favorite strategies is to call the treatment experimental so that they can deny access and keep the premiums and profits for themselves."
Doctors Say Drug Works, Insurer Says No
Even though the FDA approved Tarceva for other cancers, Casey's insurer said it had not been proved effective for her cancer. In Casey's case, big money is at stake.
"I said to the pharmacist, 'If I pay for this myself, how much would it cost?' And she said $4,602 -- for one month," Casey said.
Desperate, Casey sought a second opinion from head and neck cancer specialist Dr. Edward Kim at the highly regarded M.D. Anderson Cancer Center in Houston. After Kim examined Casey, he also recommended Tarceva as Casey's best chance to fight the cancer.
After a lengthy discussion with Coventry about Casey's case, Kim even went so far as to write the insurer a letter, pleading with it to cover the drug for Casey.
"[Tarceva] has shown promise in other tumor types," he wrote. "My preference would be for [Mary Casey] to start [Tarceva]."
Casey's cancer is so rare -- doctors "GMA" spoke with estimate that fewer than 1,000 cases are diagnosed each year -- that doctors say it is unlikely there will ever be any large studies proving that Tarceva can combat adenoid cystic carcinoma.
But they also say they have seen real evidence that it can work, as in the case of Angie Schacher, a 36-year-old mother of four who has the same cancer as Casey.
Schacher's doctor also prescribed Tarceva. Her insurance provider, Aetna, covered Tarceva because her policy covered oral cancer drugs. Whether the drug was experimental was not the issue.
"They have been wonderful," Schacher said. "I have not had any problems at all."
What's more, Schacher has been on Tarceva for a year now, and according to her doctors, her cancer has stabilized.
Casey's Quest Continues
Coventry Health Care of Kansas denied "Good Morning America's" repeated requests for an on-camera interview, but in an e-mailed statement, defended its actions.
"Since Tarceva is not FDA approved for Mrs. Casey's type of cancer, and there are no current clinical trials evaluating the use of Tarceva for Mrs. Casey's cancer diagnosis, it is not appropriate to authorize a treatment for which safety and effectiveness of the treatment have not been recognized by the FDA," Coventry said in the statement.
While Coventry hasn't approved coverage of Tarceva, it had no problem approving Casey's enrollment in a clinical trial for another cancer drug, Iressa. Iressa is not FDA approved for treating any cancers, and it was actually pulled off the market in 2004 for ineffectiveness. It is still being tested. According to Coventry, it is Casey's only option for now.
Coventry stands by its definition of what's experimental, saying it relies on "evidence based medicine" and is following state law.
But Coventry, like all insurers, can approve certain off-label treatments for other diseases. A study by the Stanford Prevention Research Center found that 20 percent of all prescriptions are written to treat illnesses for which the drugs have not received FDA approval, and insurance companies often approve those claims with no problem.
"Unfortunately, we just have lack of oversight in terms of what an insurance company can call experimental," Flanagan said. "It isn't until a patient complains that lawmakers review these cases."
Casey has gone through two appeals with Coventry and with the Missouri State Department of Insurance, which have been denied. She's considering a lawsuit to help her get the drug she believes is her best hope at fighting her disease.
"I am not the only American in this boat," she said. "I don't want the insurance company deciding my treatment. I want my doctors deciding my treatment."