Single, Unemployed, Insurance Woes

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Regular Member

Date Joined Jun 2009
Total Posts : 112
   Posted 1/15/2010 12:07 AM (GMT -6)   
I was diagnosed with RA in March 09, and it progressed/flared rapidly. I took a paid (60% salary) medical leave of absence, and finally when the end of October rolled around and I wasn't any closer to getting back to work on a reliable basis like at the same time every day, they let me go. They said it was no reflection of the quality of my work, that it was a business decision. The company paid my health benefits until Nov 30, then COBRA kicked in December 1, but the insurance company seems to be picking and choosing what they will pay for and what they won't. What a headache!!!

I applied for Social Services aid, and got $200/month in Food Stamps, which helps a bit. My parents, God bless them, have dipped into their retirement fund to pay my bills since mid November 09, but They can't keep doing it so my full time job now is finding funding for my bills and fending off bill collectors. Oh yeah, and I'm trying to get well on a new IV drug (Orencia) after the last one (Remicaid) caused non-stop infections for 7-8 weeks.

I've applied for patient assistance for the Orencia that is offered by the pharmaceutical company that produces the drug, since it's $600/dose and while my insurance pays for my rheumatologist visits, it won't pay for my visits to the brand new infusion center right across the hall because it doesn't have the correct medical code to be covered. It's so frustrating, I'm all out of tears, but just look forward to getting a lump sum of money when some of the Social Services kick in so I can pay off some of these bills!!! Sorry for ranting, but I know someone understands at least part of this. Bless you all for your support.
Rheumatoid Arthritis, Chronic Pain, Chronic Major Depression, Generalized Anxiety Disorder, Schizoaffective Disorder, Recovered Alcoholic w/15 years Continuous Sobriety

Veteran Member

Date Joined Nov 2006
Total Posts : 1331
   Posted 1/16/2010 7:44 PM (GMT -6)   
Hi Lady,
I'm so sorry to hear your frustration, and it is frustrating when something isn't covered!!!! Gosh, don't worry about the ranting, that's why healing well is here, remember?:-) You're going through a very difficult time right now, and I know what you mean by what insurance companies will pay for and what they won't. I went to the hospital earlier this week for a CT scan and the insurance "coordinator" is sitting with me to discuss my portion of payment, and says that the insurance company will be paying almost $4000 for my procedure, but by golly she wanted to make sure I was going to pay my $450, I explained that I didn't have all of the $450, since I had just been there the week before, and she became a bit nasty, so I paid what I could, but sheesh! What do they say to people who don't have insurance??shakehead It is all about the cost and not the patient.
You did apply for disability correct? I'm sorry if you posted that somewhere else, but how is that going?? You will get back pay for the months that are owed to you when you do finally get your award.  We have a friend who has become disabled and he was awarded all the months prior that he qaulified for after becoming disabled.
Please hang in there, prayers and positive thought are being sent your way.

Regular Member

Date Joined Jun 2009
Total Posts : 112
   Posted 1/17/2010 7:42 PM (GMT -6)   
Thanks for your support. I guess I'm coming to a BIG moment; either the work-supplied insurance will cover me for Long Term Disability (the desired outcome) or they won't. I should know by January 27-that's 10 business days since the case worker sent my medical records to medical review. In the meantime, I try to remember that it's out of my hands at the moment, and I'm hoping and praying that it's meant to be.

I've learned, through applying for Social Security, that they have a list of conditions/diseases that they consider disabilities, and Rheumatoid Arthritis is one of them. I've applied for both SSI and SSDI, and have a 120 day (minimum) wait for an SSDI answer, but I'm not sure if that also applies to SSI. I talked to someone who received SSI benefits after 2 months, so who knows?

I have much to be grateful for: I'm not in a flare right now, I have phone numbers of places that might pay my rent for February (I'm trying to take the burden off my folks), and actually, except for some wrist, hand, and shoulder pain, I'm in pretty good shape. I'm counting my blessings now, and I have many. Thanks again for your support in this kind of scary time.

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