Insurance Plans? And semi-rant..

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LMills
Veteran Member


Date Joined Apr 2008
Total Posts : 1753
   Posted 4/17/2009 7:33 PM (GMT -7)   
I was just wondering which insurance plans all of you are on and how much it covers with each respective medication?

I emailed my dad a couple of days ago asking for some financial assistance because, even after several scholarships and a job and cutting down greatly on monthly spending, I am struggling.

His response was basically that I am not trying hard enough and that I have ignored all advice anyone has ever given me. I corrected him and said that I have FOLLOWED all advice anyone has ever given me. I still am not doing enough.

So, the reason I am asking about insurance is that he is trying to save a penny (did I mention he's making 300,000 a year now but doesn't want to part with any of it for his kids?) and wants me to find some other insurance program he doesn't have to pay for. I just know that I need something to be able to cover at least my pentasa, humira, and omeprazole...but that this is still a lot to ask for.

I'm just in a bind and a little taken aback. I am trying so hard but am given nothing on his end but censure and platitudes he can't even follow himself.

I'm scared because for the first time in a year I am able to function normally and this all may as well be for nothing if I can't afford the medicine that is keeping me there. I don't even have enough to by probiotics right now. I think there is about 14 bucks left to last for the rest of the month. At least until I get paid from my job which I have against doctor's orders by the way...

Sorry to sound like such a sad sap...I just think parents should help if they have the ability to.
20 years old, Diagnosed with moderate to severe Crohn's and Colitis in May of 2008.
Currently taking:
Prednisone 10 mg, pentasa 2 pills 4x a day, bentyl as needed, omeprazole in the morning, prenatal multivitamin, humira every other week, and Align probiotics given to me by my GI.
Surgery for ectopic pregnancy most likely the result of severe Crohn's inflammation in July of 2008.
Diet almost completely without refined sugars, wheat, flour, gluten, high lactose dairy, and/or junk food in general.
Learning how to live again.
"He who has a why to live for can bear with almost any how."


Nanners
Elite Member


Date Joined Apr 2005
Total Posts : 14995
   Posted 4/18/2009 8:19 AM (GMT -7)   
Have you tried to apply for state medical insurance such as Medical/Medicaid? That might get you the assistance you need. Or you could call the maker of Pentasa or Humira and see if you could get some assistance from them. Good luck!
Gail*Nanners* Co-Moderator for Anxiety/Panic Forum
Been living with Crohn's Disease for 33 years. Currently on Asacol, Prilosec, Estrace, Prinivil, Diltiazem, Percoset prn for pain, Zofran, Phenergan, Probiotics, and Calcium and Xanax as needed. Resections in 2002 and 2005. Also diagnosed with Fibromyalgia and Osteoarthritis and Anxiety. Currently my Crohns is in remission.
*Every tomorrow has two handles.  We can take hold of it by the handle of anxiety, or by the handle of faith"*

LMills
Veteran Member


Date Joined Apr 2008
Total Posts : 1753
   Posted 4/18/2009 11:11 AM (GMT -7)   
I've already looked into medicaid from the state and one of the conditions is that I not have the insurance I have with my father.
I've also already reduced my monthly payment for humira and I was rejected from pentasa assistance...
I just know I need to stay on my current plan at least until I can get my wisdom teeth cut out because the procedure is a little more serious and the use of antibiotics (as usual) will probably set me back in the Crohn's department so I will definitely need all available medicine. Blah..
20 years old, Diagnosed with moderate to severe Crohn's and Colitis in May of 2008.
Currently taking:
Prednisone 10 mg, pentasa 2 pills 4x a day, bentyl as needed, omeprazole in the morning, prenatal multivitamin, humira every other week, and Align probiotics given to me by my GI.
Surgery for ectopic pregnancy most likely the result of severe Crohn's inflammation in July of 2008.
Diet almost completely without refined sugars, wheat, flour, gluten, high lactose dairy, and/or junk food in general.
Learning how to live again.
"He who has a why to live for can bear with almost any how."


Homeboy
Veteran Member


Date Joined Dec 2005
Total Posts : 637
   Posted 4/18/2009 11:32 AM (GMT -7)   
Medicare;

Happy they started paying for prescriptions a few years ago :)

Usually pay 8$ copay, nothing I am on is name brand, I think they are 25 or 50$ copay. I avoid the donut hole myself.

Medicaid was the best insurance with 1$ copays, but you have to be pretty low income aka below poverty level to qualify for it, and since it's the government they will count ssi, or ssdi as income.

Good Luck with your wisdom teeth.

smilewinkgrin
CD dx @ 13 (1987)
Prednisone 10mg every other day
Phenergen PRN
Celexa 20mg day
Zantac 300 - Twice Day
Pain Meds
Vitamins


LMills
Veteran Member


Date Joined Apr 2008
Total Posts : 1753
   Posted 4/18/2009 12:12 PM (GMT -7)   
I fit below poverty level that is for sure haha...and I don't mean that in a way to complain. It's just how things are. But I'm really worried about having coverage for pentasa and humira..
20 years old, Diagnosed with moderate to severe Crohn's and Colitis in May of 2008.
Currently taking:
Prednisone 10 mg, pentasa 2 pills 4x a day, bentyl as needed, omeprazole in the morning, prenatal multivitamin, humira every other week, and Align probiotics given to me by my GI.
Surgery for ectopic pregnancy most likely the result of severe Crohn's inflammation in July of 2008.
Diet almost completely without refined sugars, wheat, flour, gluten, high lactose dairy, and/or junk food in general.
Learning how to live again.
"He who has a why to live for can bear with almost any how."


goldy3
Regular Member


Date Joined Feb 2009
Total Posts : 139
   Posted 4/18/2009 1:18 PM (GMT -7)   
Have you tried the website www.needymeds.com?....it's a website about program for various medications...good luck...
42 year old woman diagnosed with UC 1991, Jpouch surgery 1992, Crohn's diagnosis 2009
Current meds: 800mg xifaxin, 6mg entocort, Humira (started 3/23/09), synthroid, aciphex
 


yogaprof
Veteran Member


Date Joined Apr 2006
Total Posts : 1665
   Posted 4/18/2009 2:20 PM (GMT -7)   
I can't imagine doing this to a young adult child. I am sorry your dad is so selfish. I spoil my adult kids all the time--I would certainly help them with Medical care!
49 y/o woman.  Diagnosed 4/06 after colonscopy, SBFT, CT-scan all showed crohns. 3 months later, after pred and remicade, all tests showed no crohns. December '06 had adhesions cut through a laparoscopy. Now taking Glycolax, Ultra Fiber Plus, Florastor, and DHEA. Have become gluten-free diet per naturopath's tests.


yogaprof
Veteran Member


Date Joined Apr 2006
Total Posts : 1665
   Posted 4/18/2009 2:20 PM (GMT -7)   
I can't imagine doing this to a young adult child. I am sorry your dad is so selfish. I spoil my adult kids all the time--I would certainly help them with Medical care!
49 y/o woman.  Diagnosed 4/06 after colonscopy, SBFT, CT-scan all showed crohns. 3 months later, after pred and remicade, all tests showed no crohns. December '06 had adhesions cut through a laparoscopy. Now taking Glycolax, Ultra Fiber Plus, Florastor, and DHEA. Have become gluten-free diet per naturopath's tests.


LMills
Veteran Member


Date Joined Apr 2008
Total Posts : 1753
   Posted 4/19/2009 8:58 PM (GMT -7)   
I will check out that website right now actually...
Yogaprof...I'm glad to hear someone say it. I would help my kids too...I don't know what we're going to do, but I'm going to keep trying at least.
Maybe even have to look into something extreme if I can't find coverage for medication. Who knows? I'm sure something will work out.
20 years old, Diagnosed with moderate to severe Crohn's and Colitis in May of 2008.
Currently taking:
Prednisone 10 mg, pentasa 2 pills 4x a day, bentyl as needed, omeprazole in the morning, prenatal multivitamin, humira every other week, and Align probiotics given to me by my GI.
Surgery for ectopic pregnancy most likely the result of severe Crohn's inflammation in July of 2008.
Diet almost completely without refined sugars, wheat, flour, gluten, high lactose dairy, and/or junk food in general.
Learning how to live again.
"He who has a why to live for can bear with almost any how."


SydneyJo
Veteran Member


Date Joined Mar 2006
Total Posts : 1354
   Posted 4/19/2009 10:50 PM (GMT -7)   
I agree with yogaprof, I will always help all my children with their needs - that's what parents are for! Sorry to hear you are having such a tough time with your Dad :(.
Jo

ivy6
Elite Member


Date Joined Sep 2005
Total Posts : 10404
   Posted 4/19/2009 11:48 PM (GMT -7)   
Unbelievable. Why is he penalising you for things that aren't your fault? You couldn't help getting ill when you were so young.

Would your father submit to family counselling, LMills? Someone needs to drive it home that Crohn's is a serious and disabling disease and that your life is at stake here.

I'm really, really sorry.

Ivy.
Co-Moderator Crohn's Forum.


FitzyK23
Veteran Member


Date Joined May 2005
Total Posts : 4219
   Posted 4/20/2009 6:01 AM (GMT -7)   
I agree that his behavior is outrageous. Could you stay on his plan but you reimburse him for what comes out of his paycheck? Unreal. Or just tell him you couldn't find anything and it will be a lot more expensive if you get sick without insurance so he needs to just suck it up and stick it out for now.
27 Year old married female law student (last year!!). Diagnosed w/ CD 4 years ago, IBS for over 10 years before that, which was probably the CD. I am sort of lactose intollerant too but can handle anything cultured and do well w/ lactose pills and lactaid. For crohns I am currently on Pentasa 4 pills/4x day and hysociamine prn. I also have bad acid reflux and have been on PPI's since age 13. I have been through prilosec, prevacid, and nexium. Currently I am on Protonix in the morning and Zantac at night.  I take xanax prn for situational anxiety (aka no easy bathroom access). 


Dave D
Regular Member


Date Joined Aug 2005
Total Posts : 404
   Posted 4/20/2009 10:08 AM (GMT -7)   

I guess I am the only dissenter here. Having been in your shoes and your dad’s, I would suggest that you step back and do some real soul searching as to your behavior or advice he might have given you in the past that you may have chosen to ignore. Once you have thought that through, try to come up with a plan that might work. Then talk to your dad without a gimme attitude, remembering that you are not entitled to his wealth.

As a 40 year old adult and by the way, a bank president I was really hurt when my dad told me I would never amount to anything and would retire only with social security. I never forgave him for that. So I then tried REALLY hard to succeed. Now that he has been dead for 15 years, I recognize that maybe he was just dealing some tough love because in the end, I out earned him tenfold.  I put all my kids through college and set up trusts for all the grandkid’s college and now I really get discouraged when one of my adult children demands their inheritance now. It’s my money, what’s left of it after last year and at my age there is no way I can make it back before I die. I just hope it lasts that long.

As far as Medicare is concerned, today I had to come up with $4,200 for my Humira startup kit. That put me into and took me out of the gap in one swoop. At least now I’m in the catastrophic category and my drugs hereafter will only be 5%. Then next year I start over. I wish I still had my old health insurance.

Once again, with regard to your dad, step back and take an honest look at yourself to see if maybe you might change a bit in an attempt to get along a little better.

Dave D


Grandpa Dave is 70.
IBD since 1977
Perforation and resection 1993
Diagnosed as Ulcerative Colitis 1994
Received J-Pouch 1997
Diagnosed as Chron's 2004
Redo, resection, and remove camera capsule 2005
Unsucessfully tried LDN 2007
Contracted Scleritis of the Eye 2008
Four Grandkids
Older than dirt


LMills
Veteran Member


Date Joined Apr 2008
Total Posts : 1753
   Posted 4/20/2009 10:22 AM (GMT -7)   
Dave-I could understand where you're coming from except for a few things:
1) I have followed every single piece of advice given to me and lowered all of my monthly bills substantially
2) My dad does not put his kids through college, he has not helped me with my car (which is being taken away today by the way because I cannot make the payment), and I have always been on the lower end of his list of priorities as far as any spending at all goes e.g. he gave my siblings $400 dollars for their 16th birthdays but found me a 20 dollar half broken stereo that he had my brother drop off as opposed to oh, I don't know, seeing me in person?

It sounds like you at least set up some security for your children and made having a full time job during college optional. Something my dad's parents did for him as well. However, he is not giving me that option. Not even after being so sick I can barely walk.

3) It's saying something when about 95% of the people in my family are dismayed at how stingy he has been throughout his entire life and even more so that I am doing everything I possibly can and he still thinks I am not doing enough. I am not the only one sitting here wondering why he acts the way that he does.

I told him when I spoke to him that I was simply asking WITHOUT feeling entitled to his money. But I do feel entitled to even a little bit of emotional support. Something he cannot afford either apparently. Although, to be honest, it would be nice to know I'll have a place to live next month or something to eat. I have medical bills to pay first unfortunately.
20 years old, Diagnosed with moderate to severe Crohn's and Colitis in May of 2008.
Currently taking:
Prednisone 10 mg, pentasa 2 pills 4x a day, bentyl as needed, omeprazole in the morning, prenatal multivitamin, humira every other week, and Align probiotics given to me by my GI.
Surgery for ectopic pregnancy most likely the result of severe Crohn's inflammation in July of 2008.
Diet almost completely without refined sugars, wheat, flour, gluten, high lactose dairy, and/or junk food in general.
Learning how to live again.
"He who has a why to live for can bear with almost any how."


Dave D
Regular Member


Date Joined Aug 2005
Total Posts : 404
   Posted 4/20/2009 1:27 PM (GMT -7)   
Based upon what you say, I see no help from your dad. Do like I did. Move on. Do it yourself. Show him like I did mine even though by that time he was no longer able to recognize it.
Dave D
Grandpa Dave is 70.
IBD since 1977
Perforation and resection 1993
Diagnosed as Ulcerative Colitis 1994
Received J-Pouch 1997
Diagnosed as Chron's 2004
Redo, resection, and remove camera capsule 2005
Unsucessfully tried LDN 2007
Contracted Scleritis of the Eye 2008
Four Grandkids
Older than dirt


pillpopper
Regular Member


Date Joined Jan 2009
Total Posts : 209
   Posted 4/20/2009 3:22 PM (GMT -7)   
My parents are the same way...
They hate to part with their money,its the way they were brought up.
They buy everything with cash... Don't use ATM's, and still own the first
dollar they ever made. They won't ever talk about personal issues, especially
money. But equal treatment is in order in my family, we all get stew-gats,
which is ok by me...
Hey, how bout a move back home...
(just kidding)
diagnosed 1981
remission until 2006
Remacade,resection
B-12,Pentasa,Loperamide,
Entocort, 6mp,Hydrochlorothiazide
Remission since surgery
and 8-week Remacade.
d since 1981(enjoy the look
on Dr's faces)


LMills
Veteran Member


Date Joined Apr 2008
Total Posts : 1753
   Posted 4/20/2009 4:12 PM (GMT -7)   
Dave, I suppose what I am trying to say is 'easier said than done.' I can't just produce money out of nothing when I am doing everything that I can right now and still not making enough. I'm not looking for someone to tell me tough luck when I d*mn well know what it is. I'm looking for people to give me information on current insurance/assistance programs and what those programs cover.

I'm sorry you went through what you did, but it doesn't make it any better for anyone else. I feel like your father should have been there for you just as much as I wonder why mine isn't. You can't simply tell someone to make it on their own and expect it to be 'okay.' If, for example, I am dropped from the insurance because he does not want to pay anymore and, as it has been, I cannot find enough coverage for my medication then I'm right back at square one: in the hospital, unable to function. Only this time without insurance. Which is what I was asking about in the first place. At that point it's a little much to be telling someone to make it on their own when they can't even make it out of bed.
20 years old, Diagnosed with moderate to severe Crohn's and Colitis in May of 2008.
Currently taking:
Prednisone 10 mg, pentasa 2 pills 4x a day, bentyl as needed, omeprazole in the morning, prenatal multivitamin, humira every other week, and Align probiotics given to me by my GI.
Surgery for ectopic pregnancy most likely the result of severe Crohn's inflammation in July of 2008.
Diet almost completely without refined sugars, wheat, flour, gluten, high lactose dairy, and/or junk food in general.
Learning how to live again.
"He who has a why to live for can bear with almost any how."


ivy6
Elite Member


Date Joined Sep 2005
Total Posts : 10404
   Posted 4/20/2009 5:01 PM (GMT -7)   
Dave, with respect, I do not think that you are in a position to compare your position with LMills'. I see from your signature that you were diagnosed with IBD when you were in your 40s. I presume that, at that stage, you had already been educated, found a job, accumulated savings, and had a family. LMills was diagnosed when she was 19. She is just starting her adult life, and has few resources of her own to draw on, and is further hindered by an unsupportive family. She has limited earning potential because she is sick, even *on* medication, and is likely to become even sicker if she loses access to the insurance and medication that she already has.

Bear in mind, too, that once dropped from her father's scheme she is going to find it difficult to find insurance for herself, because she has a pre-existing condition.

LMills is young, sick and, because of her illness, handicapped. I think it is cruel, unreasonable and unfair to expect her to "move on" and "do it herself", as you suggest.

LMills, I am very sorry that every time you come here for support and advice, you receive criticism instead.

I did have a thought this morning: might your local congressman or senator be able to help? We're always hearing about their ties to drug companies; perhaps they could pull a few strings to help you get cheaper access to your medicines. You are a courageous, motivated and articulate young woman, and I really do feel that it is in your government's best interests to help you. You have the potential to be a fine and valuable citizen, and your country would lose so much if you were to be kept on the sidelines, sick.

Ivy.
Co-Moderator Crohn's Forum.


LMills
Veteran Member


Date Joined Apr 2008
Total Posts : 1753
   Posted 4/20/2009 5:19 PM (GMT -7)   
Ivy, thank you...your words seriously mean a lot. I think that's actually a really, really great idea and I'm going to have to look into it. I think that a lot of others with similar conditions within the state would be willing to write with me. There are so many who need help. It isn't just me and any way to get our voices heard would be wonderful. Time to go start that I suppose :)
20 years old, Diagnosed with moderate to severe Crohn's and Colitis in May of 2008.
Currently taking:
Prednisone 10 mg, pentasa 2 pills 4x a day, bentyl as needed, omeprazole in the morning, prenatal multivitamin, humira every other week, and Align probiotics given to me by my GI.
Surgery for ectopic pregnancy most likely the result of severe Crohn's inflammation in July of 2008.
Diet almost completely without refined sugars, wheat, flour, gluten, high lactose dairy, and/or junk food in general.
Learning how to live again.
"He who has a why to live for can bear with almost any how."


ivy6
Elite Member


Date Joined Sep 2005
Total Posts : 10404
   Posted 4/20/2009 5:24 PM (GMT -7)   
I'm glad it helped, LMills. I'm just so, so sorry that you're in this position at all. You hang in there, ok?

Ivy.
Co-Moderator Crohn's Forum.


patientspiders
Veteran Member


Date Joined Jul 2005
Total Posts : 733
   Posted 4/20/2009 7:24 PM (GMT -7)   
I was only a couple years older when I was diagnosed, so I know where you're coming from Mills.

I looked back over some notes to refresh my memory... maybe there's a scrap here that will help.

I received Medicaid medical insurance about 4 months after I applied. I don't know if there was any way to speed up that process - I had just been diagnosed, was in treacherous health, and could barely function - let alone get down to the Social Services Building often enough to "harass" anyone about my case.

The Medicaid insurance that I was granted (I also was a broke college student trying to hack it on my own), covered RETROACTIVELY. This is something you need to remember and take a deep breath. If you lose your dad's insurance, file immediately for your state Medicaid. It may be a scary few weeks or months waiting for it to arrive, but the bills that pile up during that time can be addressed by Medicaid retroactively. That's how it worked in Missouri. I would hope your state did the same.

With Medicaid, I still needed help. I found the Patient Access Network Foundation. They award me $4000 every year to cover the "Gap" between Medicaid or Medicare and what I am ACTUALLY capable of paying in reality. They have been sent from heaven, I swear.

I hope that helps, Mills. You've got my addy if you ever need it.
27f, dx'd CD July '05 after 6 fistula/abscess surgeries
Remicade '05 through '08, with no other maintenance meds
Noticing a real difference with a Gluten-Free diet.
Currently on:
Cimzia (started 2-12-09)
Probiotics, Digestive Enzymes, Forvia vitamins, and calcium chewies
Prednisone free, again! WHOOPIE!


britt1449
Regular Member


Date Joined Apr 2009
Total Posts : 85
   Posted 4/21/2009 11:37 AM (GMT -7)   
So sorry you are having a tough time. I understand, to some extent. I was diagnosed as a child, and I married my husband when I was 19, so I was on my own at an early age. The thing is, my husband was in the Marine Corps and EVERYTHING was free. I mean, I did not see a single bill from a doctor or hospital over the 4 years we were in. But, a month after my husband got out, our insurance was cut off. We were stranded! Fortunately, he got with a company that had insurance that kicked in w/in 30 days, but we were still struggling, since we now had copays and deductibles to pay. We've been tempted to sign back up just for the benefits! Which is an idea.... you could always find a cute marine and marry him for his benefits!! lol, j/k

Anyway, as far as your dad is concerned, shame on him. Has he seen you while you've been sick or ever accompanied you to the hospital and/or doctor? Maybe he's just oblivious to how bad your situation really is. It might help to have one of your doctors either call him or write him a letter. Who knows, maybe nothing will help him get a clue. But just know everything will be ok. It sounds like patientspiders has been in the same situation, so that sounds like a great plan. Good luck!!
Brittany
 
Currently taking: Humira 40mg/every other week, Zoloft 50 mg/day, vitamins and supplements
Have taken: Cyclosporine, Pentasa/Asacol, Aciphex, Imuran, Sulfasalizine, Cipro & Flagyl, Prednisone, various pain med's, Xanax
 
Surgeries: Appendectomy 2001, Ileocecotomy 2007


ExJohnson
Regular Member


Date Joined Feb 2009
Total Posts : 128
   Posted 4/21/2009 2:37 PM (GMT -7)   
Well said Ivy, I salute you.

I was in a relationship similar when I was fourteen, in that my step mother (my primary gaurdian while father was on the road) simply never believed I was as sick as I said I was. But that's another story...

I do know what it's like to feel fairly trapped economically and medically, and I've tried as many alternatives as possible. If anyone is familiar with my other posts, I'm on LDN (which is about $15 dollars a month) and doing well. Other people have the same experience.

But I don't say that to peddle LDN, and I have no link to where you can buy it. My only point is to say that a differeing perspective is perhaps attainable. I would encourage you to take a look at the rat race of Crohn's medicines, and maybe think there are better options available. I see that you are trying so hard, and I absolutely understand, but you're also afraid it won't last. Well, that means the system is broken, not you, this maintenance dosage you always have to keep paying for is not working. Apparently, Crohn's can be cured by a sitting platform toilet, or probiotics, or not eating carbs and protien at the same time, or some mineral water. Again, I'm not saying any of these are true, just that maybe your goal is not the long term solution, to stay on these meds as long as possible. THough I haven't done it, I've heard of enough people who have cured themselves of crohns. Once I started questioning how my doctors treated Crohn's (it's so easy to assume they know more than me) I was able to take a little bit of control. It was my idea to go on LDN, it was my idea to start juicing, etc.

You have my support and prayers LMills, sorry I don't have an application or link to some free insurance for you. Take my words with a grain of salt, but use you no tears to gain said salt.

ExJohnson
I am a pre-30yr. old who has been diagnosed with Crohn's for 14 years.  Symptoms change from cramping and weight loss to severe anemia with fatigue and diarrhea. 
I'm DONE (D-O-N-E, DONE!!!) with immuno-suppressants.  Tremble, yee Pharmacuetical companies, for you will not withstand the aggressive onslaught of our healing!
new prescription from natural doc,
3.5 grams Chlorella daily.
4.5 mg Low Dose Naltrexone nightly. 


Kriss
Regular Member


Date Joined Mar 2005
Total Posts : 357
   Posted 4/23/2009 6:24 AM (GMT -7)   
Are you already off of your dad's insurance? Because if that's all Medicaid needs in order for you to apply, then that's your best bet. If you're not off of it, you should still be able to use it...? But Medicaid is fantastic when/if you are able to go on it... everything is paid for - EVERYTHING - and they do go back 3 months to when you are accepted for it.
I understand about parents not helping out... I was diagnosed at 16 and after the initial flare-up, meds cycle, I was pretty much on my own.. and the meds are not cheap, as we all know.
I wish I had some other words of wisdom for you.. good luck.
32 year old female... diagnosed with Crohn's at age 16, then with proctitis in 2005... right hemi-coloctomy April 2001 (removed 12 inches)... currently taking 100mg 6MP, Canasa, acidolpholus, Protonix, B12 injections once a month, 20mg Prednisone, Bentyl and Percoset as needed... just started Remicade


crohn's pt mom
Regular Member


Date Joined Nov 2008
Total Posts : 86
   Posted 4/23/2009 9:59 AM (GMT -7)   
The best thing for you to do is to get your father to keep you on his insurance.  My daughter went off ours and her's through work covers nothing.  I tried to buy her insurance and was told that no one would cover her because of crohns.  She has to have insurance through an employer or her parents.  She is not eligible for any programs, she works and has insurance available to her through her employment even though its bad.  She's not disabled, not quite bad enough to be. 
 
She has to quit her job in order to be covered under my husband's insurance, I'm still trying to get her to do that.  Even his insurance will not cover any "injectibles".  She was just approved for assistance through Cimzia.  But then her surgeon threatened to stop treating her if their bill wasn't paid and the anesthesiologist is threatening to take her to court.  She hasn't been working much so we are making payments to every one.  That seems to satisfy them.
 
Don't loose your insurance if at all possible.  Here, some of the State medical plans don't have any doctors to choose from and when you find one you have to travel.
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