Losing Health Insurance

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onedaymore
Regular Member


Date Joined Apr 2009
Total Posts : 111
   Posted 12/19/2009 7:48 PM (GMT -7)   
Well, it looks like I'm being dropped from my insurance for really ridiculous reasons. I'm currently out of remission, and two rounds of Prednisone hasn't helped. Basically, it's the worst time ever to lose health coverage. Is there ANY possible way to go about treating this without going absolutely bankrupt?
Diagnosed with Crohn's in 2008 at the age of 22.
Currently taking: Azathioprine, Pentasa, Zofran, Tramadol, Welchol, Promethazine, Ambien, Metoclopramide, Omeprazole, Hyoscyamine


LMills
Veteran Member


Date Joined Apr 2008
Total Posts : 1753
   Posted 12/19/2009 9:47 PM (GMT -7)   
What kind of government insurance programs does your state offer? I know mine has medicare and medicaid. The process takes a little while, but I've heard it helps. I'm in the process of getting into that since my insurance will run out next year with no extensions.

Also, is there any way you can get social security benefits to help pay for out of pocket costs?

Keep us updated!!
Diagnosed with Crohn's in May of 2008.
Currently taking: Prednisone, pentasa, omeprazole, and humira. Using probiotics and a multivitamin.
bonniegriffith.blogspot.com/
Learning how to live again.
"He who has a why to live for can bear with almost any how."


BellsforHer
Regular Member


Date Joined Oct 2005
Total Posts : 429
   Posted 12/20/2009 9:28 AM (GMT -7)   
I do not have health insurance and take it from me there is help out there. It's not easy, a lot of paper work, and you just have to keep after them, but it's out there. Lots of prescription assistance programs and like LMills said the state may be able to help. Also some hospitals offer charity (I think this is based on income and debt) but just ask them. The hardest part is seeing a PCP or the Gastro for me because with them you usually have to pay up front. I have a great Dr. and he helps me a lot with paper work and that sort of stuff. Good luck to you. I'm so so sorry you are having to deal with this, but don't lose hope. Just remember they can't refuse you at the emergency room. Please let me know if you have any specific questions about the things I mentioned above, I can at least offer my experience on the subject.

*hugs*
35 year old Female

Entocort EC 9mg per day and Remicade

Tried Remicade 2 yrs ago for about a year and a half and loved it, got off it due to costs, tried Humira and it just didn't work for me so now back on Remicade.


~Trying to avoid surgery as long as possible~


FunGuy
Veteran Member


Date Joined Oct 2009
Total Posts : 1070
   Posted 12/20/2009 10:28 AM (GMT -7)   
Can you stock up on meds before they drop you?
I use FD&C Blue dye number 1 and it really seems to help me.  There is SCIENCE behind this.  Just ask me and I will explain it to you.  U/C and Crohn's for 34 years.  Blue dye for one month and I am feeling pretty good!  I am so excited by this but I need others to try it with their doctor's permission.  Simple food coloring!!  BLUE1.  
I can't make money on this, it's already in your kitchen.  I just want to help.
I do 2 drops in 6 ounces of water when I get up, 2 or 3 drops in 16 or 20 ounces of water that I sip all day and then 2 drops in 6 ounces of water at bedtime.   Max of 7 drops a day.  Give it about ten days.  I am NOT a healthcare professional.   Ask your doctor if this is safe for you. 


tsitodawg
Veteran Member


Date Joined Sep 2006
Total Posts : 845
   Posted 12/21/2009 1:17 AM (GMT -7)   
Are you a college student? If you are a student you may be able to get basic care through your university for free or cheap as part of your tuition. You may be able to purchase benefits through the university as a student.

Zanne
Veteran Member


Date Joined Apr 2005
Total Posts : 3763
   Posted 12/21/2009 6:15 AM (GMT -7)   
Can you get COBRA until you find another health insurance plan. It is more costly, but it avoids the whole preexisting condition thing. Since I don't know why you are losing it, I'm not sure if this is an option.
Suzanne

CD 20 years officially, 30 unofficially. 3 resections '93, '95 '97
Managing with strict low residue diet, keeping symptoms to a minimum. All test show small amount of ulceration, still have occasional blockages. But still have a great time with my 2 daughters and husband!


Prednisone, 6MP,Prevacid, B12 shots, Bentyl, Xifaxan.....


onedaymore
Regular Member


Date Joined Apr 2009
Total Posts : 111
   Posted 12/21/2009 5:06 PM (GMT -7)   
I'm not a student. I work full-time and make quite a lot of money (but the majority of it goes towards meds, since I haven't had prescription coverage for four years), too much to qualify for much (if any) assistance, and I'm already on COBRA.

My qualifying event was a birthday last year that put me above the dependent age, so I enrolled for 36 months (this was only in December of 2008). I called for the mandatory re-enroll in November, and they've really put me through a ringer. They said they couldn't find me in the system, then they tried to say that I was on Medicare (I'm 24 -- obviously not on Medicare), THEN they said I no longer qualify for the plan I'm on because my father (the employee on the group plan) died in July. They told me that the absolute cheapest plan I could get was over 4 times what I paid this year, 2.5 times the deductible, and less coverage overall. I would probably save money just paying for everything out of pocket than going with this particular plan.

My father dying should have no impact on my plan. I signed up for COBRA 7 months before he died. I've done some pretty extensive research, and if a second qualifying event occurs, it has no standing on your existing coverage. In fact, it qualifies you for 12-18 months extended coverage.

By law, they must offer me the same plan I was already on unless they no longer offer it. And they can't even use that excuse, because my mother re-enrolled just fine -- in the same exact plan.

We were still in the process of "looking into it" with my father's company (supposed to have a phone call with them tomorrow to sort everything out), but they've already sent me the premium bill for January. Glaringly missing is health coverage -- although they "graciously" allowed me to keep my vision and dental. Another COBRA violation -- they didn't notify me in writing with 14 days of dropping me, they just did it.

I spoke to my boss this morning, and there's absolutely no way for me to do emergency enrollment on my company's plan. I don't qualify for it anyway, since I've been pretty sick the last couple months, and my hours have gone down.

I swear, if they don't budge tomorrow, I'm calling a lawyer and reporting their butts for COBRA violations. I've been bawling all weekend, and I seriously don't know how I'm going to pay for any of this without insurance.
Diagnosed with Crohn's in 2008 at the age of 22.
Currently taking: Azathioprine, Pentasa, Zofran, Tramadol, Welchol, Promethazine, Ambien, Metoclopramide, Omeprazole, Hyoscyamine


FunGuy
Veteran Member


Date Joined Oct 2009
Total Posts : 1070
   Posted 12/21/2009 9:46 PM (GMT -7)   
Hang in there and keep working on it. Something will turn up. So sorry for your loss and difficulty.


onedaymore
Regular Member


Date Joined Apr 2009
Total Posts : 111
   Posted 12/22/2009 8:20 AM (GMT -7)   
Thanks, guys. I talked to a benefits drone this morning who didn't give me a whole lot of answers: "You don't qualify because you don't qualify." Even though the freaking COBRA letter I got from their very own company at the beginning of last year is very clear that I am entitled to the same exact plan I signed up with unless they discontinue it entirely. Which they haven't.

He did give me the email address and mailing address of the big wigs to file an appeal with, so I will do that today. Except that the turn-around with an appeal is 30 days, and I have only 8 more days of coverage (and an EGD on the 30th, so it had better go well -- it leaves me only a day for complications). In the meantime, I'm going to contact a lawyer. If worse comes to worst, I can enroll in the 4x+ plan and cancel at the end of January if the appeal turns out in my favor.
Diagnosed with Crohn's in 2008 at the age of 22.
Currently taking: Azathioprine, Pentasa, Zofran, Tramadol, Welchol, Promethazine, Ambien, Metoclopramide, Omeprazole, Hyoscyamine


LMills
Veteran Member


Date Joined Apr 2008
Total Posts : 1753
   Posted 12/22/2009 9:32 AM (GMT -7)   
Getting a lawyer to help sounds like the best way to go...
The incompetence of the people in charge never ceases to amaze me, honestly.
I'm wishing you the best of luck!!
Diagnosed with Crohn's in May of 2008.
Currently taking: Prednisone, pentasa, omeprazole, and humira. Using probiotics and a multivitamin.
bonniegriffith.blogspot.com/
Learning how to live again.
"He who has a why to live for can bear with almost any how."


jeanneac
Veteran Member


Date Joined Feb 2009
Total Posts : 1812
   Posted 12/27/2009 3:43 PM (GMT -7)   
Yea, I'd check with an attorney. If there is a legal aid office in your area, they are usually free or low cost. I am sorry this is happening to you. If all else fails or in the meantime, check and see if there is a free clinic in your area. Your doctor may be able to get some free samples for you in the meantime. Our health care system is a mess. I hope the insurance companies get what is coming to them but something tells me that we, the consumers, will get the shaft, like we always do.
diagnosed 1/09 with "diverticular colitis" ?? location: sigmoid colon
localized scleroderma & IBS, low thyroid,claritin, advair, singulair, lisinopril, progesterone, colazal, fish oil, synthroid, zoloft, wellbutrin, VSL#3 probiotic, Vit. D
Blood test positive for Crohn's via prometheus ibd serology panel
 

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