Ot Insurance turned me down I appreciate any support

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kara487
Veteran Member


Date Joined Mar 2008
Total Posts : 637
   Posted 10/17/2008 7:35 AM (GMT -7)   
Hi Everyone,Im bummed the insurance  I applied for turned me down because of my health conditions. I have an appt on october 27 with my surgeon and dont know how I am going to pay for my doctor visit  and thats where I get my pain meds from.  My back and hips are hurting so bad . I need to see him. I appreciate any support. I tried everything I do not qualify for medicaid.


Lortab,ambien,elavil,reglan and neurontin.
 
spinal conditions: Scolosis,herniated discs,spinal blockage,Spinal stenosis,bursitis and arthritis


d2parrotperson
Regular Member


Date Joined Aug 2008
Total Posts : 320
   Posted 10/17/2008 9:07 AM (GMT -7)   
kara, there are other options than medicaid. If you contact your local social services office, they can give you several companies for those who make too much to apply for medicaid. There are several family health and family health plus plans. Even some you pay a low rate for. Don't give up!
150mg Azathioprine, Lomotil, Iron, Nexium 2/day, Fentanyl patch, Oxycodone, Baclofin
Crohn's, Fibromyalgia, Several bulging discs, Bone spurs, Osteoarthritis, Osteopenia, Reflux, Stenosis, Strictures, Dengenerating facet joints
2 resections
 
Stephanie
When I am weak, then am I strong


PAlady
Veteran Member


Date Joined Nov 2007
Total Posts : 6795
   Posted 10/17/2008 11:23 AM (GMT -7)   
Kara,
i feel for you. It's one of the challenges of living with a chronic health condition in a country that allows pre-existing conditions to be excluded.

Yes, keep searching for plans, but in the meantime don't forget to vote. Sorry, I understand if moderator edits this as it's a political statement and that's against the rules. That's all I'll say about that piece.

about your meds, a lot of others have contacted the drug companies themselves and they may have coupons to help you get your meds. Try searching their websites, or contact your pharmacist and see if there are any other ways for you to at least get your meds in the short run.

PaLady

mrsm123
Veteran Member


Date Joined Dec 2007
Total Posts : 1228
   Posted 10/17/2008 10:35 PM (GMT -7)   

Maybe this can help. You can apply or download the forms and bring them to your doctor to fill out his part.

I hope it does.

Sandi M

 

https://www.pparx.org/Intro.php
PLIF/TLIF Fusion w/Instrumentation L4-5 Spondololysthesis L4-5.Laminectomies L4-5, foraminal stenosis L3-4, L4-5, L5-S1, herniations L3-4, L4-5, L5-S1, central canal stenosis L3-4, L4-5 and L5-S1
POST OP CES 3/30-06
Neurogenic Bladder and Bowel, bilateral numbness legs and feet
Revision for failed Back surgery, pseudoarthrosis L4-5, hemilaminectomies L3-4, L4-5, L5-S1, bmp added to revision fusion, replaced two bent screws that were reversing out of vertebrae - August 2, 2007
On going back pain and neuropathic pain, failed back surgery, consult for scs, decided not to do that at this point.
Adhesive Arachnoiditis also......just what I didn't need..9/08- adding bilateral ulnar neuropathy with severe compression to the mix. They want me to see a surgeon for ulnar nerve surgery, but I'm not biting.
I've seen enough surgeons over the last few years.


Baybreeze
Regular Member


Date Joined Oct 2005
Total Posts : 315
   Posted 10/18/2008 3:59 PM (GMT -7)   
Hi,
 
Yes, check with your local county or city goverment agencies, because they might have clinics, which operate on a sliding scale, depending on what you can pay. Also, make sure to bring it up with your doctor, try to negotiate with him. See if he will accept payments or perhaps accept the same payment as your insurance company would have usually made.
 
As for your medications....first check all the major box store pharmacies as they all now have a bunch of medications for $4 per prescription and some have them for even less. Their websites usually list all the medications that are available under these plans. Maybe some of your meds might be on those lists. If not, maybe your doc can prescribe something else that is similar to what's on those lists.
 
Then, besides that, you can try PPARX or RX Assist. You put in your information and they match you up with any prescription assistance programs that might be available. Many of these programs are availalbe directly from the drug makers. I had to do this recently because, though I have a basic private insurance, it's bottom of the barrel and only covers up to $500 per YEAR for meds....and I met that cap in 2 months. And I take several meds to control my pain. Unfortunately, none of them were on the chain pharamacies $4 plans, nor anythign similar. Plus the ones I am takign were working fairly well. So I investigated teh prescription assistance programs on my own. I also made an appt. with my docs to discuss my situation and ask them to sign the assistance paperwork. They also had to write me new scripts to send in. Some of them actually didn't even know about these prescription assistance plans! But anyway, after talking with my PM, he was able to change 2 of my meds around. They are the same med, but different dosages that come in generic, and both together cost about $30/month ,which is a huge difference from what I paid before for some doses that only came in brand name. Then for Lyrica, I applied directly to Pfizer's Connection to Care Program. They have different tiers of programs, where you might pay different low-cost co-pays per month, depending on your income. I am on unemployment right now, but I still just about met their income cap, so I called them to ask them about it. The girl was very helpful and told me which program of theirs i MIGHT be able to get. She told me all the forms to download off their site and exactly what to do and send in. Since I was close to the income cap, she told me to write a hardship letter to describe my situation, plus I had to send proof, such as my UE stubs and such. So I sent all the info plus new scripts to them. Then the following week I received a letter stating that......I qualified for their FREE drug program!@!!!!! I was like OMG!! YAYYYYYYYYYYYYYYYYYYY!!!! So now I am getting my Lyrica free every month, and before it was costing over $200 per month, because I'm also on 2 different doses of it.  So I went from having over $500 per month med costs to only $30 per month, plus I have another generic med from my Rheum, which only costs $45 every 3 months.
 
Now for me, I also only have $500 yearly cap on all diagnostic testing (all labs, blood test, etc..MRI's, x-rays, any kind of testing). And i've already met that cap as well...so I can out of luck with getting any tests done. And it figures, because I am overdue now for getting some followup testing done by my Gyno for a potentially severe problem, but I have no way possible to pay for the testing out of my own pocket now.
 
So I strongly urge you to look into these prescription assistance programs! They can save you a TON of money, if you qualify. And look into the clinic thing or the social services as others suggested.
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