insurance is canceled at the end of the month.. what do i do??

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kryssi923
New Member


Date Joined Jan 2009
Total Posts : 6
   Posted 6/7/2010 6:21 AM (GMT -7)   
I have been out of work since January 2009 and am on long-term disability through a private carrier we had at my last employer. I just got approved for Social Security. My insurance is Family Health Plus. I had to re-certify for it last month and have been informed that I no longer qualify (apparently I have too much income) and my insurance will be canceled effective July 1. I do not qualify for Medicare since I have not yet been disabled for 24 months.

I am receiving a double dose of Remicade every 6 weeks, take 100mg of 6MP daily along with other meds. I was hospitalized 3 times in the last year, including 1 surgery. I am just now starting to feel somewhat better, for lack of a better way to put it. I am far from remission though. I will definitely not be able to afford my infusions and the 6MP is so costly, I'm pretty sure I won't be able to afford them either.

I have no idea what I'm supposed to do!! I qualify for Social Security because of the fact that I am so ill, yet I'm no longer eligible for the insurance that will enable me to get help for my disease.
Does anyone have any ideas? I live in New York; I already contacted Healthy NY but do not qualify for their programs because I have not worked in the last 12 months.

Nanners
Elite Member


Date Joined Apr 2005
Total Posts : 14995
   Posted 6/7/2010 6:29 AM (GMT -7)   
For the Remicade I know you can contact the maker and they may be able to provide financial assistance. I am wondering if with the 6mp you can get samples from your doctor to hold you over to you can get insurance. Sorry not more help. Hugs!
Gail*Nanners* Co-Moderator for Crohns Disease 
Crohn's Disease for over 34 years. Currently on Asacol, Prilosec, Estrace, Prinivil, Diltiazem, Percoset prn for pain, Zofran, Phenergan, Probiotics, Calcium, Vit D, and Xanax prn. Resections in 2002 & 2005. Also diagnosed w/ Fibromyalgia, Osteoarthritis, & Anxiety. Currently my Crohns is in remission, but my joints are going crazy!
*Every tomorrow has two handles.  We can take hold of it by the handle of anxiety, or by the handle of faith"*

kryssi923
New Member


Date Joined Jan 2009
Total Posts : 6
   Posted 6/7/2010 6:33 AM (GMT -7)   
Thanks, I actually just found a site for Remicade Assistance..

Ides
Forum Moderator


Date Joined Nov 2003
Total Posts : 7077
   Posted 6/7/2010 8:34 PM (GMT -7)   
Since they are terminating your coverage, I would think you would qualify for coverage under COBRA. Not knowing what type of coverage you had might mean that it is not covered by COBRA laws. You should check though.
Moderator Crohn's Disease, IBS, and Osteoarthritis Forums
CD, Ankylosing Spondylitis, lupus, small fiber peripheral neuropathy, avascular necrosis, peripheral artery disease, pulmonary hypertension, degenerative disc disease, asthma, severe allergy and a host of other medical problems.
 


champagnekindofgal
Regular Member


Date Joined Jan 2010
Total Posts : 221
   Posted 6/8/2010 7:27 PM (GMT -7)   
Yes, I'm in the same position. My COBRA benefits expired. To get extended benfits or qualify in my state for the high risk pool - these were both cost prohibitive as they didn't cover preexisitng conditions for a year and didn't cover RX. I found the federal white house Obama health care plan site which outlines that if I am un-insured for 6 months and uninsurabe (I was recently denied coverage), then I could qualify for the national high risk pool... still getting new info.

So, before my benfits expired, I met with my GP and GI doc to inquire aobut any tests, meds, etc that needed to be taken or adjusted. Talk to your pharmist as ALL RXs are negotiable ... they will sometiems match prices you can get online or from retailers like Walmart. I found out that my local drug store offered a discount program that was cheaper than my insurance program.

Seek our a free clinic in your area. Look at the clinical trials which are going on to see if you qualify -- just google them. Look for resourceful things you can do like adding probiotic to your diet that equals the same known tested VSL #5 strain which provides aid ...

And if needed, go to the ER like I did recently .. they can't deny you. Until just recently, I've had full insurance and between a hospitalization for an obstruction, genticc testing and paying premiums and dectibles ... I owe $6K in medical bills and this is WITH insurance ...

The whole thing evades me ...

Have you tried 6MP or Imuran? I am on Imuran and Remicade had been suggested to me ... Imuran is a lot less expensive ... less than $50 a month.

just a few thoughts (and vents, sorry!) ... you WILL make it ... it just proves how flawed our systems is ... we are thinking of you ...

L
44-single mom diagnosed with Crohn's 2004 via pill camera    6MP kicked into remission (along with modified diet) so went off in 2006.
 
2009/2010 acute flare and hospitalization - now on Imuran. Currently taking 55 mg prednisone.
Current problem - protruding thrombosed hemorrhoids (external as well as internal).
 
Fibromyaglia; migraines; herniated disks C5,6 and arthritis in neck; asthma; scolisis in back/arthritis.
 
 
 


jas
Regular Member


Date Joined Apr 2009
Total Posts : 87
   Posted 6/8/2010 7:33 PM (GMT -7)   
When I started remicade, the nurse told me centocor would supply you with remicade for up to a year if you lose your job. Hope that's true....be sure you check it out with the company!
JAS


Currently taking: Remicade (in the process of discontinuing Remicade and starting 6MP)

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