Finally have health insurance...

New Topic Post Reply Printable Version
32 posts in this thread.
Viewing Page :
 1  2 
[ << Previous Thread | Next Thread >> ]

Jendays247
Veteran Member


Date Joined Jul 2006
Total Posts : 652
   Posted 7/10/2009 3:54 PM (GMT -6)   
I got a call today the my health insurance (after almost 6 years of not having any!) will be active as of tomorrow.

That means PICC Line soon...next week probably...I'm so scared I'm treating the wrong thing...I know I've said that a thousand times, but I can't get it out of my head!

I can't imagine being like this forever, but I can't see myself well again either.
Current treatment (began June 10th 2009):
Biaxin 1000mg/day, Pulsing Flagyl 500mg/day 1 Week Every Month
 
 
 
"...and isn't it a kind of madness to be living by a code of silence when you've really got a lot to say...?"


CajunGrl
Veteran Member


Date Joined Mar 2009
Total Posts : 4717
   Posted 7/10/2009 4:03 PM (GMT -6)   
Hey Jen,

I'm so glad you got insurance. It is so hard to live without when you are so sick. I still don't know how my husband and I did it for years, with children. We have it now though.

I would be nervous if I were in your shoes too but I think your doctor knows what he is doing.

When are you having it done?
2003: Symptoms started;Anxiety,Panic Attacks,Heightened Senses
2007: Diagnosed with Lyme. Didn't start treatment.
2008: Symptoms came back with a vengence.
2009: Diagnosed with Lyme plus co-infections....Babesia and Bartonella.
Illnesses:-Chronic Lyme Disease,Hashimotos Thyroiditis, Ulcers, Hypoglycemia
Medications:-Currently on 1500mg Amoxicillian,Ultram,Thyro Complex 60mg,Probiotics and supplements

**You never know how STRONG you are....until being STRONG is the ONLY choice you have.**

Co-Moderator Lyme Disease Forum


scorpio1960
Veteran Member


Date Joined Jan 2009
Total Posts : 914
   Posted 7/10/2009 4:03 PM (GMT -6)   
That's fantastic news. At this point in the game you have nothing to lose by trying the iv's and quite a bit to gain. Good luck.

veromia333
Veteran Member


Date Joined Mar 2009
Total Posts : 674
   Posted 7/10/2009 4:09 PM (GMT -6)   
You know I feel the same way i feel like i cant imagine what it is like to be well anymore. although i cant imagine being this way forever either. I mean imagine when we would be like 70 or something when it is natural to feel these ways and magnify it w the lyme symptoms.

Oh well . But congrats on recieving it w a prestanding med condition.
The line is faded not showing where Lyme came in. I became a new Mommy n my Lyme decided to show itself. Swollen elephant like knee and finger and limiting back pain. Bell's palsey, weight loss as if I had no muscle on my bones anymore. And much more text book lyme symptoms. To a Lyme doc, after alot of there is nothing wrong with you and a recommend to counceling,he said V this is Lyme. What kept me pressing on I had Lyme while I was pregnant. I know I was not infected while pregnant. I am watching her with an eagle eye. God Bless everyone. Love Veronica. Were the ones who know about Lyme not the doctors. Isnt that just mad? Backwards. Alice in wonderland.


Jendays247
Veteran Member


Date Joined Jul 2006
Total Posts : 652
   Posted 7/11/2009 12:34 AM (GMT 0)   
I have a question - for my IV therapy, I already know the place that does the PICC accepts my insurance, but if the company puts up a fight and decides not to pay for IV as long as I need it, will they drop me COMPLETELY? Or will they just say no we're not paying for this, but you can still go to the dentist, regular doctor, etc...???

I am thinking I should do all my annual stuff before they cut me off. Gosh, does it ever get easier? I just got approved today, and I'm already worried about them dropping me!
Current treatment (began June 10th 2009):
Biaxin 1000mg/day, Pulsing Flagyl 500mg/day 1 Week Every Month
 
 
 
"...and isn't it a kind of madness to be living by a code of silence when you've really got a lot to say...?"


1bitten2xshy
Veteran Member


Date Joined Jun 2007
Total Posts : 849
   Posted 7/10/2009 6:36 PM (GMT -6)   
I do not think they can drop you in the middle of your coverage. I believe when renewal time comes around they can choose not to renew, or renew at a much higher price if you are carrying this policy on your own and not thru company coverage.


Co-Moderator Lyme Disease Forum
Life is not about waiting for the storms to pass...it's about learning how to dance in the rain


Jendays247
Veteran Member


Date Joined Jul 2006
Total Posts : 652
   Posted 7/10/2009 6:52 PM (GMT -6)   
What the heck - I just posted a response and it disappeared!

I have coverage through the state that was only offered for application three months this year, and I made it just in time. I'm paying nothing out of pocket, and the coverage lasts a year.

This whole picc thing is freaking me out...infection, clots, etc...and the worst fear: that it will do nothing and that I have something else! No one here is really like me, but I know this is MY last resort. If this doesn't work, I have no idea what I'll do. It's a daunting feeling as I am almost always prepared with a plan or at least an idea.
Current treatment (began June 10th 2009):
Biaxin 1000mg/day, Pulsing Flagyl 500mg/day 1 Week Every Month
 
 
 
"...and isn't it a kind of madness to be living by a code of silence when you've really got a lot to say...?"


CajunGrl
Veteran Member


Date Joined Mar 2009
Total Posts : 4717
   Posted 7/10/2009 7:23 PM (GMT -6)   
Jen,

What kind of program is it? My insurance dropped my daughter at 19. They don't even give kids time to find a good job to help them pay for insurance. They just drop them.
2003: Symptoms started;Anxiety,Panic Attacks,Heightened Senses
2007: Diagnosed with Lyme. Didn't start treatment.
2008: Symptoms came back with a vengence.
2009: Diagnosed with Lyme plus co-infections....Babesia and Bartonella.
Illnesses:-Chronic Lyme Disease,Hashimotos Thyroiditis, Ulcers, Hypoglycemia
Medications:-Currently on 1500mg Amoxicillian,Ultram,Thyro Complex 60mg,Probiotics and supplements

**You never know how STRONG you are....until being STRONG is the ONLY choice you have.**

Co-Moderator Lyme Disease Forum


Turquoise Sky
Regular Member


Date Joined Apr 2009
Total Posts : 250
   Posted 7/10/2009 7:26 PM (GMT -6)   
That is good news that you got the insurance!

Every time you have a negative thought, say cancel and think of a positive affirmation instead.
Try to keep hope that you will be well again! It is scary and I don't know how to tell you not to have the fear, but the fear is not helping you at all either.

All that stuff went through my head about the picc, but I figured if elderly residents can tolerate it with their fragile arteries I will be fine.

Jendays247
Veteran Member


Date Joined Jul 2006
Total Posts : 652
   Posted 7/10/2009 7:26 PM (GMT -6)   
Yeah I got dropped almost 6 years ago too - when I was 19. It has been really hard in the meantime to pay for things let alone NEURO appts and LLMD appts! And anytime I've needed a specialist, I felt like it was impossible! Thank God my parents have been there always to help me.

What I got is just general Medicaid through the state. I already talked to the IV place and they accept it...I'm just wondering how long it will be covered and more importantly, that the medicine will give me my life back!
Current treatment (began June 10th 2009):
Biaxin 1000mg/day, Pulsing Flagyl 500mg/day 1 Week Every Month
 
 
 
"...and isn't it a kind of madness to be living by a code of silence when you've really got a lot to say...?"


CajunGrl
Veteran Member


Date Joined Mar 2009
Total Posts : 4717
   Posted 7/10/2009 7:35 PM (GMT -6)   
I will have to look it up. My daughter was on Medicaid too for a few years because her daddy was in jail. They didn't count my husbands now income so it helped her out slot since she never got one dime of child support....even when the idiot was working. But, they dropped her at 19 too and said the only coverage she could get was for gyno check ups or if she was pregnant. I wish there was something to help her.
2003: Symptoms started;Anxiety,Panic Attacks,Heightened Senses
2007: Diagnosed with Lyme. Didn't start treatment.
2008: Symptoms came back with a vengence.
2009: Diagnosed with Lyme plus co-infections....Babesia and Bartonella.
Illnesses:-Chronic Lyme Disease,Hashimotos Thyroiditis, Ulcers, Hypoglycemia
Medications:-Currently on 1500mg Amoxicillian,Ultram,Thyro Complex 60mg,Probiotics and supplements

**You never know how STRONG you are....until being STRONG is the ONLY choice you have.**

Co-Moderator Lyme Disease Forum


Jendays247
Veteran Member


Date Joined Jul 2006
Total Posts : 652
   Posted 7/10/2009 7:42 PM (GMT -6)   
I've always been denied medicaid in the past, but the state of Michigan did something different for March-May or this year I believe where any unemployed adult could get covered.

I got reallllllllllllllly lucky.
Current treatment (began June 10th 2009):
Biaxin 1000mg/day, Pulsing Flagyl 500mg/day 1 Week Every Month
 
 
 
"...and isn't it a kind of madness to be living by a code of silence when you've really got a lot to say...?"


jc27
Regular Member


Date Joined Sep 2007
Total Posts : 176
   Posted 7/10/2009 9:09 PM (GMT -6)   
how did you get insurance with a pre existing condition?

Jendays247
Veteran Member


Date Joined Jul 2006
Total Posts : 652
   Posted 7/10/2009 9:25 PM (GMT -6)   
I had positive lyme bands but was not Igenex or CDC positive. I doubt the state even looked into my records. From what I've heard, pretty much every unemployed adult got approved.
Current treatment (began June 10th 2009):
Biaxin 1000mg/day, Pulsing Flagyl 500mg/day 1 Week Every Month
 
 
 
"...and isn't it a kind of madness to be living by a code of silence when you've really got a lot to say...?"


+Lyme
Veteran Member


Date Joined Apr 2009
Total Posts : 1304
   Posted 7/10/2009 9:25 PM (GMT -6)   
Well, I may just be talkin Miss Big Britches, but if my insurance drops me because they don't want to treat lyme, I'll retain an attorney.
 
does anyone know exactly what they are permitted to do? (as opposed to what they do do) Does anyone know if there are any clauses such as this in the declarations (or wherever they would list things they won't cover)?
 
I will try to find out as much as I can, but would appreciate everyone else's experience w/ this.  Like HOW and why the ins company dropped you?
 
Who read (or saw the movie) The Rain Maker?

Suspect TBI in 1972.  Attacked tonsils (recurring high fevers, constant low grade fevers, chronic tonsillitis) , pregnancy (miscarraige), appendix, heart (mitral valve prolapse), hypoglycemia, depression, chronic acute neck and back pain.  

Next suspect Mother's Day 2007.  Diagnosed w/ Lyme and Bart June 2009. (awaiting more test results)

In treatment for recurrent depression, anxiety, low thyroid.

Bit again 7/1/2009, began Doxy 200 mg /day


jc27
Regular Member


Date Joined Sep 2007
Total Posts : 176
   Posted 7/10/2009 9:42 PM (GMT -6)   
They can price your premiums so that they are out of reach for you to pay.

+Lyme
Veteran Member


Date Joined Apr 2009
Total Posts : 1304
   Posted 7/10/2009 9:49 PM (GMT -6)   
jc27, even if I have group insurance thru work whick my company (city) pays for??

Suspect TBI in 1972.  Attacked tonsils (recurring high fevers, constant low grade fevers, chronic tonsillitis) , pregnancy (miscarraige), appendix, heart (mitral valve prolapse), hypoglycemia, depression, chronic acute neck and back pain.  

Next suspect Mother's Day 2007.  Diagnosed w/ Lyme and Bart June 2009. (awaiting more test results)

In treatment for recurrent depression, anxiety, low thyroid.

Bit again 7/1/2009, began Doxy 200 mg /day


jc27
Regular Member


Date Joined Sep 2007
Total Posts : 176
   Posted 7/10/2009 9:59 PM (GMT -6)   
That I am not sure about.

CajunGrl
Veteran Member


Date Joined Mar 2009
Total Posts : 4717
   Posted 7/10/2009 10:03 PM (GMT -6)   
Insurance companies are very sneaky. They find a way to not pay something. At my husband old job, there was a workers wife that had cancer. The guy had been there for years. The insurance company put pressure on my husbands work and wanted to raise the rates for all of the employees. My husbands company decided to drop them and go with another insurance company. Good thing this guy and his wife had insurance through a company.
2003: Symptoms started;Anxiety,Panic Attacks,Heightened Senses
2007: Diagnosed with Lyme. Didn't start treatment.
2008: Symptoms came back with a vengence.
2009: Diagnosed with Lyme plus co-infections....Babesia and Bartonella.
Illnesses:-Chronic Lyme Disease,Hashimotos Thyroiditis, Ulcers, Hypoglycemia
Medications:-Currently on 1500mg Amoxicillian,Ultram,Thyro Complex 60mg,Probiotics and supplements

**You never know how STRONG you are....until being STRONG is the ONLY choice you have.**

Co-Moderator Lyme Disease Forum


jc27
Regular Member


Date Joined Sep 2007
Total Posts : 176
   Posted 7/10/2009 10:12 PM (GMT -6)   
Sounds like they are trying to get employers to get rid of high health risk employees.

CajunGrl
Veteran Member


Date Joined Mar 2009
Total Posts : 4717
   Posted 7/10/2009 10:14 PM (GMT -6)   
Yep. They don't care about anyone. They just want to save money anyway they can.
2003: Symptoms started;Anxiety,Panic Attacks,Heightened Senses
2007: Diagnosed with Lyme. Didn't start treatment.
2008: Symptoms came back with a vengence.
2009: Diagnosed with Lyme plus co-infections....Babesia and Bartonella.
Illnesses:-Chronic Lyme Disease,Hashimotos Thyroiditis, Ulcers, Hypoglycemia
Medications:-Currently on 1500mg Amoxicillian,Ultram,Thyro Complex 60mg,Probiotics and supplements

**You never know how STRONG you are....until being STRONG is the ONLY choice you have.**

Co-Moderator Lyme Disease Forum


RottenDog
Veteran Member


Date Joined Apr 2009
Total Posts : 1013
   Posted 7/11/2009 12:46 AM (GMT -6)   
jc27. you nailed it right on the head. i know of a cop who had to give his son up to the state as he was born without a rectum. his ins only coved for so much, and this man didnt have much else, as you know cops dont make that much.

now this was almost 30 yrs ago. but it was so sad to see this man at the hospital on sundays his only day off, holding his son who he would never get to take home. and why? cause someone disided they would lose money.
   RD
 
still looking for answers.
 
Remember that advice if free, its your choice what you do with it.  :)


+Lyme
Veteran Member


Date Joined Apr 2009
Total Posts : 1304
   Posted 7/11/2009 7:50 AM (GMT -6)   
What I don't understand is that treatment for Lyme seems relatively inexpensive -- compared to so many other chronic diseases and diseases like cancer. I know piccs are expensive, but are regularly covered for other infections. Other than that it's mostly Dr visits and abx, right? Seems it would be easier and less expensive to cover Lyme than to deal w/ all the illnesses it mimics. Ins would be wise to hop on the Lyme diagnosis -- to dig down and get it tested properly right off, to seek it out when at all possible, rather than have to cover all the neuro tests,  lupus, MS, Parkinsons, and all the other biggies. Plus, to treat people w/ inexpensive abx before they become so ill they need hospitalization.

Makes no sense to me.


Suspect TBI in 1972.  Attacked tonsils (recurring high fevers, constant low grade fevers, chronic tonsillitis) , pregnancy (miscarraige), appendix, heart (mitral valve prolapse), hypoglycemia, depression, chronic acute neck and back pain.  

Next suspect Mother's Day 2007.  Diagnosed w/ Lyme and Bart June 2009. (awaiting more test results)

In treatment for recurrent depression, anxiety, low thyroid.

Bit again 7/1/2009, began Doxy 200 mg /day


CajunGrl
Veteran Member


Date Joined Mar 2009
Total Posts : 4717
   Posted 7/11/2009 3:37 PM (GMT -6)   
I think what they are thinking is that even though we do all of those tests, they still come out paying less than if we all needed long term treatment. If you think about it, most of us whind up giving up and living the way we are. I guess that is what the insurance companies are hoping for.

[color=blue></FONT>

<I>



Co-Moderator Lyme Disease Forum


Jendays247
Veteran Member


Date Joined Jul 2006
Total Posts : 652
   Posted 7/13/2009 9:21 AM (GMT -6)   
Hi guys,

I just wrote a letter to the director of community health and services in Michigan. I don't know if I told anyone here, but they were way past my deadline for approving or denying me for insurance and because of that, I am now past the cutoff for vision and dental coverage. I'M PISSED. If they were on time, I would have been able to see a dentist and an eye doctor!

Here's the letter...tell me what you think - I wrote it in about a minute and hope I didn't leave anything out. Just tell me if it sounds convincing or typical!

Hello Ms. Olszewski,

My name is Jennifer (my last name). I am 24 years old, and I just became insured through the state under the Medcaid Adult Benefit Waiver Program. I applied for this service at the end of April 2009 and was told that my deadline is June 15, 2009. I was not contacted again with the news that I was approved until Friday, July 10, 2009. I have been without insurance since I was 19 years old, and I have Chronic Lyme Disease and other health issues as well. I desperately need to see an optometrist and a dentist, as it has been years since these services were covered and because of my condition, I have been unable to work.

I found out on my own that such services were terminated as of July 1st, 2009. Had my caseworker been on top of things, I would have had the last 15 days in June to cover these appointments, and now I am suffering because of someone else's neglect and/or busy schedule (but a deadline is a deadline, right?).

I am wondering if there is any way you can help me figure out where to go from here or if there is something I can do.

I spent an entire month being patient with the DHS, putting my own medical needs aside out of consideration for their busy schedules and extreme case overload. I don't see how this is really paying off for me. In fact, I feel that if I had been more tenacious that maybe more could have been accomplished and contacting you would have been avoided.

Thank you for taking the time, and I hope to hear from your or someone in your office soon regarding this matter.

I greatly appreciate it.
Current treatment (began June 10th 2009):
Biaxin 1000mg/day, Pulsing Flagyl 500mg/day 1 Week Every Month
 
 
 
"...and isn't it a kind of madness to be living by a code of silence when you've really got a lot to say...?"

New Topic Post Reply Printable Version
32 posts in this thread.
Viewing Page :
 1  2 
Forum Information
Currently it is Tuesday, August 22, 2017 8:38 PM (GMT -6)
There are a total of 2,858,680 posts in 313,674 threads.
View Active Threads


Who's Online
This forum has 155261 registered members. Please welcome our newest member, uniqueme.
788 Guest(s), 9 Registered Member(s) are currently online.  Details
Tim G, Hateanxiety, mikeb2308, Girlie, uniqueme, at wit's end, FLBeachgal, fiddlecanoe, WV Mike


Follow HealingWell.com on Facebook  Follow HealingWell.com on Twitter  Follow HealingWell.com on Pinterest
Advertisement
Advertisement

©1996-2017 HealingWell.com LLC  All rights reserved.

Advertise | Privacy Policy & Disclaimer