losing insurance

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ct girl
New Member


Date Joined Feb 2010
Total Posts : 11
   Posted 2/28/2010 12:33 PM (GMT -6)   
Hello,

I am facing a potentially stressful chapter in my life... I can't get individual health insurance! I was involved in a car accident which herniated a disk in 01, got lyme and babesia in 07, only babesia was initially positive (doctor thinks I was infected at the same time but the test was done before the antibodies built up so I tested negative). They didn't retest me until 1/09, even though I kept asking, its even in my records that I kept asking. The doctors all thought I was tired from the pain medicine and achy because I had major surgery. The tricky part is that I had spinal surgery in 08. Now looking back, even my neurologist thinks the steroid injections I've be. en getting have been feeding the lyme, making it stronger and a lot of my pain could be related to lyme.

So now that I have residual pain from my back surgery that is probably more lyme related than anything, and anxiety, I can not get individual health insurance. Its crazy because I am so much better since having the surgery. I'm paying for my llmd out of pocket which is very expensive. I've been doing pretty good on tetracycline lymewise, but I'm nervous about getting sick again. Can lyme meningitis come back? I used to be an elementary school teacher before surgery, then I quit because of surgery and the commute and worked as a kindergarten teacher at a daycare. I was getting sick all the time, every six weeks I would be on antibiotics (even if I was on lyme antibiotics). Since I have started nannying in Nov. I have been much healthier. I work longer hours, four days a week. That extra day of rest really helps! It would be ideal if it was not for this insurance problem. Have any of you had success getting on disability (does that even come with medicaid?) The worst part is that they have a program that extends cobra but since I left for medical reasons, I do not qualify. So if I was laid off or fired, I would be paying less and could extend it. That does not seem to be the right thing to do to people with medical problems! Any advice is welcome!

CajunGrl
Veteran Member


Date Joined Mar 2009
Total Posts : 4717
   Posted 2/28/2010 2:26 PM (GMT -6)   
Hi CT girl,

I am so sorry about what you are going through. Why don't you try getting disability and see what happens. It's worth a shot. I have some links on disability in the newbie thread titled, "New To Lyme?....Start Here!" There is some good information there.
**You never know how STRONG you are....until being STRONG is the ONLY choice you have**

lymediseasethroughmyeyes.blogspot.com/

Co-Moderator Lyme Disease Forum


bucci
Veteran Member


Date Joined May 2006
Total Posts : 1477
   Posted 3/1/2010 3:01 PM (GMT -6)   
hey CT GIRL

sorry to hear about your insurance. Lyme with out prescriptin insurance is very difficult.

I am on disability and it took me 3 yrs to get it after being denied and getting a lawyer.
I didn't get it for lyme . i didn't know at the time that the real reason for all my problems was lyme
and I have Hep C and even that does not qualify you but I was such a mess by the time the trial came up that
I got it and I never applied for the part D which is for medications because i still had my old insurance policy that
I was paying $6000 a year for and then lost that too.
so get your stuff together and either do it one or two ways ..file first and then hire a lawyer after getting denied or
get lawyer now. Either way you will have to do all the work. all the paper work .so make sure you keep your records.
Find a real disability lawyer. I can't remember how I paid mine?? I'm not sure it was so long ago but in the end yo will need one. Maybe start calling around and ask what the price is either now or after getting denied.

You may have good shot because of the car accident too. Everything adds to the picture and the more you give them the easier it is for them to justify giving you the disability.
I remember when I went for my hearing there were supposed to be 9 other people appealing and none of them showed up.
This is what they are counting on. Just discouraging you so much that you won't even go to the hearing.

The sooner you get started the sooner you can get denied and appeal and WIN. then you will get medicare part A and B which covers the hospitol and the blood work but not medications. it covered my sonograms and MRI . but it is not covieringany of my lyme zethromax abx or anything else. some of the blood work for it but still it is good for a lot of things ,I am looking now for supplemental insurance especially for the drugs. I'm on heparin and the pain meds are getting more and more. and I hope I can get some antibiotic meds.
good luck..I wish I could remember what my lawyer costed?
hep c , lyme
Dad has lyme


bucci
Veteran Member


Date Joined May 2006
Total Posts : 1477
   Posted 3/1/2010 3:02 PM (GMT -6)   
alos..CT..you will need LETTERS from all of your doctors and that takes time too
hep c , lyme
Dad has lyme


bucci
Veteran Member


Date Joined May 2006
Total Posts : 1477
   Posted 3/1/2010 3:04 PM (GMT -6)   
sorry but my brain is just remembering stuff. Ct. they sent these forms with pages of questions for my doctors to fill out.
questions like..can you crawl to the bathroom. the questions were rediculous and your doctor has to scheadule appointment with you to fill this stuff out. and he has to write letter. Thingslike how long they expect a treatment to last and when you will recover.or that you willl never be able to work again.
hep c , lyme
Dad has lyme


pepphell
Regular Member


Date Joined Jan 2010
Total Posts : 134
   Posted 3/1/2010 3:31 PM (GMT -6)   
not to discourage you, but fighting lyme with insurance is hard, let alone without insurance.

My monthly visit to doc, supplements, blood work, other tests, abx, and other stuff (such as good food), I am running monthly on a bill of 2k (and this is with insurance, and with little sickness). If I were to fall really sick, god help me. Most good lyme docs don't even take nsurance. and tell you what, I used to think I have one of the finest insurance coverage plan in states. oh boy, how wrong was I.

When doctors feel shy about giving you the required drug/treatment cuz of cost issues, you know something is terribly terribly amiss.

ct girl
New Member


Date Joined Feb 2010
Total Posts : 11
   Posted 3/1/2010 7:05 PM (GMT -6)   
Thank for your advice! This whole thing is so frustrating. I went to college (I have my masters degree), I work, I did everything I was "supposed to do" to be successfull. I had a run of bad luck and now I'm uninsurable, and I am only 31 years old. I can work as a nanny now, but I don't think I could teach right now. I was mixing up words and it just took so much out of me. Can you get disability when you are working? I'm just one of those people that makes myself go to work, I didn't even miss a day with lyme meningitis. I wanted to cry every morning before I went, but I suck it up and go, then collapse when I get home and really do nothing for myself once I am home. That is my life, work and sleep. Now at least somedays, I get to rest while the kids are in school. Although I consider it a job (a hard job) I just do things that I would have to do even if I was not working, light tidying up, making food, washing clothes. Its not all that demanding (well except for the kids I mean!)

I am in underwriting now for a second insurance company, but they asked me even more details than the first one did, so I don't feel too good about the whole thing. I'm just so sickened that there is no alternative for me other than high risk insurance that is $960 a month premium. I don't care if they make everyone get insurance, the have to do something for sick people or self employed or those that need individual insurance. I don't understand how it seems like everyone else has options. Even illegal immigrants seem to have more rights than I do! If I had gotten myself pregnant and had a child out of wedlock, I would have insurance in CT. So all single mothers can have insurance, why can't I?

I think I will look into it and see what I can do. I already feel so beaten down, I hope I have the strength to fight and not get discouraged even more. It just feels like such an invisible disease (especially right now that I am feeling a little better) that no one will take me seriously. It was the same thing with my spinal problems, no one took me seriously for 7 years. These insurance companies can really make you feel like a worthless loser for having health problems.
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