health insurance and working

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sariah
New Member


Date Joined Jul 2007
Total Posts : 9
   Posted 8/2/2007 9:13 AM (GMT -7)   
What is everyone's experience here with working and trying to get health insurance?  I have tried to work, but even with working part-time I got sick.  The work itself doesn't make me sick.  My problem is that when I need to rest, I need to rest.  You all know how that is.  It's my attendance that really gives me a bad working history.  So you can imagine my job searching frustrations and what my job/working history looks like.  The insurance through my husband's job was just too expensive.  We figured from looking at how much we have Doctor visits that it would be cheaper for us to just self pay than to pay for insurance through his job!  So does anyone have any tips for me as far as trying to get a job that will keep me employed even with my attendance the way it is and everything??  Please help.  Thanks. 

Bsime
Veteran Member


Date Joined Apr 2006
Total Posts : 1298
   Posted 8/2/2007 9:34 AM (GMT -7)   
You don't state what your education and experience is so it is hard to recommend.  However, there are many companies that employ people and allow them to set their own schedules or even do some types of work at home all or part of the time.
 
I worked in technology until retiring and one company did not require me to come in to our office except for meetings.  I could do everything I had to do from my home office or a customer site if I chose.  Unfortunately that company went out of business in 2000 with the tech bust.
 
These types of jobs are not that easy to find as they are sought by many people who need or want flex time.  Retail type jobs or anything where hours are strict will not allow you the kind of flexibility you need to rest when you are drained.  I do consulting work now on a very part time basis and only work with home and home office users and an occasional small business.  Do not want someone demanding that I appear at a certain time.  Less money but a lot less stress and I can take care of myself
 
There are lots of home based jobs but you need to be careful about some of them.  They promise a lot but in reality are not that lucrative.
 
If you can find health insurance it is worth the cost in most cases.  Doctors visits and a few tests are one thing but if you have a serious health situation or accident then it could be catastophic.  I was in the hospital for over 3 months in 2005-6 and had 15 doctors and countless procedures and tests as well as physical therapy.  Needless to say our insurance saved us financially...the cost was unbelieveable.  A single 5  day treatment of gamma globulin was $12000 and I had 3-7 doctors visit me every day in the hospital.
 
This is probably the biggest long term problem our country faces.  There are over 50 million people without health insurance who do not get preventative care and use emergency rooms.  A high percentage of personal bankruptcies are due to health care costs. 
 
I would urge you to find a position that has health insurance. 
 
If you can find a more progressive company they might be understanding of your health needs but I would be very cautious about mentioning anything in an interview.  Like old age, chronic or poor health is usually a factor in not getting a job.  Sucks and is not fair but it is reality.  I had a lot of experience with age discrimination even though I always looked younger than I was.  But past a certain age it is obvious that you are not in your 20s or 30s  which is what most employers want these days to keep their benefit costs down.
 
Bill
Mixed connective tissue disease (systemic lupus, scleroderma, polymyositis), Raynauds phenomena, Hypertension, Barrett's esophagus.
 
Meds: prednisone (7mg & tapering), 100mg imuran, lisinopril 40mg, maxide 37.5/25mg, norvasc 5 mg, folic acid, potassium, aciphex 20mg, multi vitamins.
 
Maintain your optimism and you can beat the odds.
 
"Although the world is full of suffering, it is also full of the overcoming of it."  Helen Keller
 
 


sariah
New Member


Date Joined Jul 2007
Total Posts : 9
   Posted 8/3/2007 8:52 AM (GMT -7)   
Thanks Bill for your time and care. :)

MGeddes
New Member


Date Joined Jul 2007
Total Posts : 18
   Posted 8/3/2007 9:15 AM (GMT -7)   
Sariah,

I work full time and have wonderful coverage through my husbands job. It is hard to find employment when you are feeling ill. Did you think about going for disability? That would give you the coverage of Medicare. I live in PA and there is a program here in the state that gives health insurance at a reduced cost to eligible people. It is not Medicaid. The cost of the insurance goes by your income. I hope this was of some help!

sariah
New Member


Date Joined Jul 2007
Total Posts : 9
   Posted 8/5/2007 11:59 AM (GMT -7)   
Yeah, I tried disability already. I think three times. I got denied all three times. I even tried fighting the last time and still got denied. So can't and won't go there anymore. It's too depressing. It's the last thing I wanna be doing and it is so frustrating you know?

curlyhair
Veteran Member


Date Joined Jan 2005
Total Posts : 659
   Posted 8/6/2007 11:47 AM (GMT -7)   
Sariah,
 
Bill gave you some good advice. In March I went to the doctor's and my potassium was low. He sent me to the ER for a few runs of potassium IV. I was only supposed to be there an hour and then I was free to go home. Things didn't go as planned. Instead, I ended up being in the hospital for 3 days and the bill ran over $5,000.00. My insurance paid for all of it. The $5,000.00 was for my room, two doctor visits, standard labs and IV potassium. As you can see medical bills become outrageous very quickly. This is the third time I have been hospitalized in the past year and a half. One of those stays I was in the coronary care intensive care unit for 3 days (a horrendous bill thankfully covered by insurance) and I could not imagine going without health insurance.
 
If you can't find a job with insurance I would look into the various policies that are available. Good luck and as Bill said, you never know when you will be hospitalized and the bills do add up very quickly!
 
Sandy
DX: Kidney Disease, (? Lupus Nephritis) 2002
DX: Raynaud's Phenomenon and Lupus 2005
DX: Anorexia and Hypokalemia 2006
 
meds: plaquenil, lasix, klor-con

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