ostomies and insurance

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praying4healing
Veteran Member


Date Joined Dec 2007
Total Posts : 739
   Posted 12/31/2007 7:45 AM (GMT -6)   
Hello all

Everyone has been so helpful on various issues so I thought just mayb some1 out there might b able to provide some info for me.

As u may or may not know I'm do to have my temp ileostomy next month (very afraid of what to expect,but I guess its for the best) due to chronic abcesses and rv fistula.

Due to constant hospitalizations I have missed a lot of time at work, and I have just used up the last of my Fmla time (family medical leave which provides job protection). I am now fearing termination as I haven't been cleared to go to work.

The supplies and care for this thing looks expensive. If I lose my insurance am I just plum out of luck?! Will I lose my quality of care? Iv heard horror stories of people who were stuck w/their ostomies b.c they wouldn't take them off w/out payment.

I'm worried that now that I have come to the realization that I have to go ahead and get it, I won't b able to afford the necessities. Has anyone out there dealt with this issue?

Fyi- I go for my first dose of humira 2day, we were supposed to see if it would close the fistulas, but now that its too late I'm wondering if there's even any point.
25 y/o female- crohns disease since 14
Ileostomy pending-very worried
Tried asacol,pentasa,prednisone,remicade,6mp,azasan, no avail
Seatons placed
Worst year ever!

"For God has not given us the spirit of fear....."
Where does mine come from?!


Amey
Veteran Member


Date Joined Jul 2006
Total Posts : 942
   Posted 12/31/2007 2:29 PM (GMT -6)   
You are right...this stuff is expensive. However my insurance company requires that I buy my supplies from their authorized supplier - Edgepark. Buying through Edgepark is like going to the mall to buy toliet paper when you should be going to Walmart. Everything is wayyyy over priced. I could get my supplies so much cheaper at my local specialized pharmacy. Also, their are programs to help people who do not have insurance. Your ostomy nurse should have information to help you with that. Lastly, EBAY is a great place to get stuff really cheap. I bough a lot of wafers and bags and I ended up being allergic to the products. These products cost well over $350 and I sold them on Ebay for $30. Oh another thing, when you have your surgery, your ostomy nurse will give you LOTS of samples. If you do not have insurance, just let her know you need more samples to get you through. They will send you home with a large supply.

I hope this helps.

Amey
Amey
 
 
Ileostomy 8/2007
Revised Coletomy/ Reset Anastimosis 2006
Revised Colectomy/ Obstructions 2005
Sub-total Colectomy 2001
 
Prov. 16: 20 Whoso trusteth in the Lord, happy is he.
 
Zelnorm, Colace, Motilium, Citrate of Magnesium, Nexium, Amitiza, Potassium, Magnesium, Miralax, Milk of Magnesium, Corgard, Glycerin Suppositories, Sorbitol, Bentyl, Senokot


Indabag
Regular Member


Date Joined Aug 2007
Total Posts : 254
   Posted 12/31/2007 3:54 PM (GMT -6)   

Hi Praying4Healing:

I'm glad you brought this subject up. I think it is an area we should discuss at greater length in this forum. Before I got sick, I was a partner in a CPA firm. I made a good living and had the bills to go with it (i.e. mortgage, real estate taxes, etc.).  Fortunately for me, I had some good private disability insurance and I am covered under my wife's health insurance. Financially, I was about as prepared for my medical odyssey as one could be, yet, I still have a hard time managing. Edgepark is my supplier, like Amey's, and I too find them to be expensive.

But, this is not an insurmountable problem. As usual, Amey has offered some excellent suggestions. Also, it seems like you would be entitled to COBRA benefits. Even though terminated you are entitled to extend your benefits. Unfortunately, you would have to pick up the premiums but, facing surgery and recovery, I'm sure this would be less expensive than going without insurance. I googled COBRA benefits and found that WEB-MD had an excellent FAQ site concerning these issues. I might also add that the social worker at the hospital was remarkably well-informed regarding these matters. Maybe you can speak to one at the hospital where you are planning your surgery?

I don't want to pry into your financial situation but if you have further questions I would be happy to see if we could find some answers. 

Richard


Indabag
 
Ileostomy since August 2005.
As result of surgery (modified whipple) for necrotising pancreatitis. Removal of gallbladder, 2/3 of pancreas, resections of large and small intestines. Massive infection. 8 months in ICU at Westchester County M.C. (I think that's a record). Second surgery for resection due to fistulas in January 2007. Been slowly recovering since then. Possible reconnection candidate.


peggy113
Veteran Member


Date Joined Aug 2007
Total Posts : 1998
   Posted 12/31/2007 5:58 PM (GMT -6)   
Richard,

Can insurance companies deny coverage due to pre-existing conditions anymore? Just curious. I think I remember reading somewhere that this has been outlawed. What do you know?
Peggy
      
Diagnosed with CD in 1979, many resections and meds
Perm Ileostomy July 1984 at Cleveland Clinic
Disease free since surgery 
 


praying4healing
Veteran Member


Date Joined Dec 2007
Total Posts : 739
   Posted 12/31/2007 6:09 PM (GMT -6)   
Thank you both so much for your responses! I thought I would never get a response b/c this was somewhat of a "dry topic" if u know what I mean.

Amey, I'm glad you replied b/c I wanted to thank you. When I was searching for info on ileostomies I ran across your photo 3 weeks post surgery post and u seemed so happy after your surgery you convinced me to face it(especially after seeing the pics of u in ur workout clothes) and also to join this site so that I could discuss my fears and concerns. Thank you so very much! One question tho...do u regret getting it now that its been a few months? Are u still happier?

Richard, thanks for your input, I will look into cobra, I have some money I was saving to put down on a new car but if I have 2 use it to pay a premiim I guess that's what I have 2 do :o(

As far as my financial situation goes, I'm not a popper or n e thing (at least not yet lol) but I just finished college last year (after 6 years thanks to my great pal crohns) and this was my first real salary based position, I was just starting to get my footing as a responsible young woman and this becomes my life. Lucky me!
25 y/o female- crohns disease since 14
Ileostomy pending-very worried
Tried asacol,pentasa,prednisone,remicade,6mp,azasan, no avail
Seatons placed
Worst year ever!

"For God has not given us the spirit of fear....."
Where does mine come from?!


Indabag
Regular Member


Date Joined Aug 2007
Total Posts : 254
   Posted 12/31/2007 9:39 PM (GMT -6)   
Peggy:

I'm pretty sure, in New York, that you cannot be excluded from a group policy due to a pre-existing condition (Especially since this is merely an extension of an existing policy). I think it's the same in New Jersey where Praying4Healing lives. I can confirm this with an insurance buddy of mine on Wednesday.

Sometimes I think this whole health-care system is worse than the IRS Code, and that's pretty bad!

Richard
Indabag
 
Ileostomy since August 2005.
As result of surgery (modified whipple) for necrotising pancreatitis. Removal of gallbladder, 2/3 of pancreas, resections of large and small intestines. Massive infection. 8 months in ICU at Westchester County M.C. (I think that's a record). Second surgery for resection due to fistulas in January 2007. Been slowly recovering since then. Possible reconnection candidate.


StomaGrrrl
Regular Member


Date Joined Oct 2007
Total Posts : 55
   Posted 1/1/2008 6:03 AM (GMT -6)   
Praying,

I work as a small-business manager. I've been out of the office for months, but I work from home as much as possible and I still have a job and health benefits. I think it's important to talk to the hospital social worker and your surgeon about the insurance concerns. There are a LOT of loopholes in insurance (I'm a manager of a surgeon's office) and you will come out of pocket for deductibles, but your surgeon can "time" your surgery so that you get the majority of your healing etc. done before you could lose your benefits due to termination.

I don't know what your relationship with your employer is, but one thing I have found helpful from both sides of the fence is if an employee is willing to talk. You are not obligated to tell your employer anything other than you are having surgery, but you may find they are willing to "hold" your job or extend your benefits even if your employement status changes out of sheer humanity. You can educate them about your ability to work without interruption or any future sick days once you have an ostomy beyond the necessary recovery time. You can communicate and you *may* find they will aid you in ways you can't imagine. My first surgery was in2003 and it was an emergency procedure. I was 23 and didn't know to tell my manager anything other than I needed emergency surgery for a reproductive issue. He had no idea that I'd been as sick as I was because as chronically ill person I had "hiding' my problems down to a science and a schedule. I lost my job after FMLA ran out and I was still facing more surgeries and hospitalizations.

I wrote a letter to corporate Human Resources, I was a journalist, and for the first time I was honest about what I had been going through. I wrote the letter because I received a poor final evaluation and there I was, in bed, scared half out of my mind and knowing I had worked 10 times as hard as anyone else but faced health challenges that made me appear inconsistent. Although I was terminated I received flowers and cards from my former coworkers and someone from corporate HR continued to stay in contact with me for the next 6 years. I was in no shape to return to journalism, but that letter saved a professional relationship that would have been ruined because I didn know to communicate with my employer. They advised me on Cobra and rescinded the poor final evaluation because it was "ill-informed." They helped me navigate receiving unemployment benefits and just HELPED me with all the things I never could have known how to do on my own because it was my first job.

As an employer I have had employees go out for emergency surgery and I have established a policy that "we can talk." While I did not disclose my health issues until I started having surgery again in 2007 (worked as a manager for 4 years and didn't say a work, again chronic illness coping skills) but I held jobs for employees, helped them navigate insurance rules and dedutibles - the same as I do for patients who come to my practice for treatment.

all that to say, Prepare a statement and see what your company can do for you. don't downplay your illness or your age or your ignorance in these matters. People often want to help but can't when they don't know *why* someone else seems erratic. Feel free to contact me, I'll assist as much as possible with the insurance angle and getting the most bang for your buck.

Thanks for the question, it's a great one. Money is such an important part of recovery - but one we seldom talk about.

Amey
Veteran Member


Date Joined Jul 2006
Total Posts : 942
   Posted 1/1/2008 11:15 AM (GMT -6)   
Praying,

Wow, thank you for your high complements! I am so glad that I was able to help you and influence your decision to have the surgery. If it were not for the influence of this forum, I probably would not have elected to have the surgery. I, like you, found wonderful comfort in these people and feel like I have a whole new group of friends to turn to for help.

You asked me if I would have this surgery again.... Let me answer your question this way - over the past decade I have not been able to eat dinner with my family. Every night I made either chicken, steak, tacos, fish, or something else that smelled and tasted yummy and I could not eat it. I would sit at the dinner table and read books to my children while they ate. I exlpained to my children that food made mommy sick and Heavenly Father and the doctors were working on figuring out how I could be healed. This year is the first year I have been able to have add my plate to the dinner table. (However my kids still ask me to read when I am done eating). I cannot eat dinner ever night because I have a slow motility disorder and sometimes my lunch will be so slow to move which makes it hard for me to eat dinner. But, I do eat dinner about 75% of the time. Also, prior to the surgery, I was dying....seriously dying. My heart was struggling to pump, my kidneys were in failure, my electrolytes were low, my blood pressure was low. I was placed in the ICU in June of this year (on my 33 b-day) and I was give one nurse to watch over only me. She was not given any other patients because I was so close to death. Now I feel stronger and healthier. Having an ileostomy is not a cure for me because of my motility disease; however, for many people it is a cure.

In short, yes, I would definitely have the surgery again.
Amey
 
 
Ileostomy 8/2007
Revised Coletomy/ Reset Anastimosis 2006
Revised Colectomy/ Obstructions 2005
Sub-total Colectomy 2001
 
Prov. 16: 20 Whoso trusteth in the Lord, happy is he.
 
Zelnorm, Colace, Motilium, Citrate of Magnesium, Nexium, Amitiza, Potassium, Magnesium, Miralax, Milk of Magnesium, Corgard, Glycerin Suppositories, Sorbitol, Bentyl, Senokot


praying4healing
Veteran Member


Date Joined Dec 2007
Total Posts : 739
   Posted 1/1/2008 12:34 PM (GMT -6)   
Hey stomagrl,

Ur so right, that is a major issue of mine. The only people that ever really knew my condition was my roomate from college, and my best friend ( who are both the mothers of my god children). I never actually told anyone else, guys i dated, friends i've had just knew i had "stomach problems" since i was only hospitalized about once a year * and once i went two years!*, i didnt have to address it much.

Being in a working environment like this for the first time ( u know no longer working at the loft or target part time during college). I havent told anyone, I havent actually told my manager or anyone else because i feared that they wouldnt trust me to do my job, I expected FMLA to keep me covered, but like i said, this has been my worst year ever ( about 4 hospitalizations and more trips to the er), and its all due to the fistulas, and abcesses.

The only reason I elected to have the surgery is b/c of the rv fistula becoming less predictable and controllable, I did not go into the hospital last month with this issue, but when i came out I had it, and now i'm 25 and wearing depends "just in case" and i figure this is way more embarassing or just as unnatural as a bag would be.My doc says I'm stoic and I must be a soilder because with all I have going on back there I shouldnt even be walking. And honestly, I had been willing to deal with the pain I did experience, just to avoid going the surgical route.

Now, i am kicking myself b/c I've waited so long to finally say yes, and now my insurance is the issue. I just dont want to do this and be left out in the cold and become a horror story. not to mention that when ur actually in the hospital going thru all of this pain, finances, work and insurance are the last things you think about. I couldnt wrap my head around dealing with these real life issues. My grandad preaches this sermon sometimes entitled "If it ain't one thing, Lord knows it's another" and going through this, that touches soooo much closer to home. I dont know what I will do, but Stomagrl did give a good suggestion and I guess anything is worth a shot.

Please do not hesitate to give me any more info you guys! I write all of this down, so that I dont forget to look into it all. This place is so helpful. I go to the doctor thursday to inform them that I've elected to have the surgery. I will see what happens next. You guys are soo great I can't say it enough. I didnt mean to write a book :o/ sorry
25 y/o female- crohns disease since 14
Ileostomy pending-very worried
Tried asacol,pentasa,prednisone,remicade,6mp,azasan, no avail
Seatons placed
Worst year ever!

"For God has not given us the spirit of fear....."
Where does mine come from?!


Dancerpeg
Regular Member


Date Joined Dec 2007
Total Posts : 43
   Posted 1/1/2008 4:45 PM (GMT -6)   
praying4healing,
When my husband had his first surgery in 1994 we had to go on public assistant for his surgery. Because he had got really sick and was unable to work. In 1993 he was working for a company that closed down and then started a job got sick and lost everything even his unemployment. I had insurance and was pregnant with our last child. DSHS told us just to put us all on and they took care of everything. We even tried to put him on SSI and they denied him. Right now we are coming to the last of our FMLA but he also has 2 more months of sick leave and vacation left with his work. Can anyone answer my question about when the FMLA supposed to go into effect. When I read about the FMLA is when you are with out pay is that correct. Well good luck with your surgery and your finance and I'll be praying of u.
Peggy

praying4healing
Veteran Member


Date Joined Dec 2007
Total Posts : 739
   Posted 1/1/2008 10:12 PM (GMT -6)   
Peggy,

I am in jersey and I'm not quite sure if its the same everywhere, but here FMLA is given to you through your job. It provides job protection so that you can't get fired due to absences because of your medical condition. Not only could your husband have it through his job, but if you had to take care of him, you could use yours as well. Thats what my mom did for me, because you can get it so that you can take care of someone in your family with an illness.

You asked when it takes effect, through my company it takes effect as soon as you finish probation and are a permanent employee. HOwever, you only get 12 weeks a year, which sucks for me. I assumed that when the new year came I would be able to start over againwith my FMLA, but I just found out that its a year after you first started using it (which in my case was May, so I have used all of my FMLA and wouldnt be eligible for anymore time until May of 08) I hope that makes sense.

I too was turned down for SSI,and it has been suggested by friends of mine that I re apply. did u know if u keep applying and make it through that they have to pay you retroactively from the very first time you applied?! so i figured it can't hurt. Its just that the process is so time consuming, i think thats to discourage people from getting help, the same way as public assistance, which i was on at one point during college, but didnt get much medical help b/c my illness was not "on the approved list of illnesses". That was years ago, so i dont know what the policy is now.

Also, in my company, you only have to use a certain number of your sick/vacation days before you can receive short term disability. This way you still keep your sick/vacation time when you return to work. Only sometimes in your company is FMLA without pay, this is after all of your sick time is used.
For example, being a new employee at my job i was only given like 120 hours of sick time. which meant that if i was out with my illness, i could still get paid for 120 hours, but once that ran out. I still had a job because i was protected under FMLAbut could not get paid.

I think all of that depends on your company. I hope this information was helpful w/out being entirely too long. And I will be praying for you and your family as well.
25 y/o female- crohns disease since 14
Ileostomy pending-very worried
Tried asacol,pentasa,prednisone,remicade,6mp,azasan, no avail
Seatons placed
Worst year ever!

"For God has not given us the spirit of fear....."
Where does mine come from?!


Dancerpeg
Regular Member


Date Joined Dec 2007
Total Posts : 43
   Posted 1/2/2008 4:07 PM (GMT -6)   
Praying4healing,
We are in Washington State. My husband works for a school district as a head custodian. His physical years starts from Sept. to Sept. When he had his first surgery we got public assistant. With his job they are making him us all of his sick leave and vacation. He's been at his job for 13 years. When Sept started he has 407 hours of sick leave and over 200 hours of vacation days. we still have 2 months left for his sick/vacation. Well we will be facing no insurance as soon as his hours are gone. When we went to SSI before they said he had to be sick for a year before they will help and now it's only been a couple of months since this started and the doctors are not saying when he will be able to go back to work. I will be applying for long term disability. My job was just a temp job so I'm okay and it will be opening back up in the spring. Thanks for the information. I was also looking up government grants someone told me about to apply for.
Peggy

Indabag
Regular Member


Date Joined Aug 2007
Total Posts : 254
   Posted 1/2/2008 6:33 PM (GMT -6)   

Hi Praying, Peggy113 & All:

My insurance guy told me that you cannot be denied insurance coverage for existing condition, EXCEPT, if you let coverage lapse for 63 days, then they can deny coverage for a preexisting condition (occurring during the preceeding 12 months) for the first 12 months of your new coverage. It seems the idea is not to let the coverage lapse. COBRA can extend the coverage for 18 months after job termination. But you have to pay the premiums yourself.

I tried looking up information on the Family Medical Leave Act.  The Dept. of Labor has a site at www.dol.gov/esa/whd/fmla/ that has a good FAQ section that could answer a lot of questions. This is a Federal law so I think it would apply throughout the USA.

There are many sites regarding Soc. Sec. Disability. I think it is very tough to succeed on an initial claim but many people are successful on refiling.

Dancerpeg's situation illustrates one of the many things wrong with the healthcare system in our country! I really hope things work out for you.

Richard

 


peggy113
Veteran Member


Date Joined Aug 2007
Total Posts : 1998
   Posted 1/2/2008 8:15 PM (GMT -6)   

Richard,

Thanks for the insurance info --- years ago when I moved to another state, I gave up my employment & insurance of 9 1/2 years.  For about a year prior to moving, whenever I had a doctor's appt, I asked them to bill it as a wellness checkup. (I had some really understanding doctors!)  And yes, I did have to pay out of pocket for some of them, but I slipped by.  Sneaky but it worked.  I had to pay for COBRA coverage for a couple of months before I got another full time job, make it thru my first year of new employment/insurance... all worked out! 

Thanks for all the great info.  I was just wondering what the new guidelines were for pre-existing now even tho I'm on my husband's insurance now since I am only working part time.

 

 


Peggy
      
Diagnosed with CD in 1979, many resections and meds
Perm Ileostomy July 1984 at Cleveland Clinic
Disease free since surgery 
 


praying4healing
Veteran Member


Date Joined Dec 2007
Total Posts : 739
   Posted 1/3/2008 3:20 PM (GMT -6)   
Richard ,
I too want to say thanks for the info. Especially the info about the lapse time, b/c I definitely didn't know that and that information would seem vital to a person n my condition. I'm thinking after my surgery this month I may re apply for ssi.

I called my job about cobra and theyr supposed to be sending me some info.
The health system is very confusing and discouraging in this country.

Peggy, my prayers are with you and ur family. U mentioned that ud be applying for long term disability. I just applied for short term disability, is this different? Would I have to reapply for long term? Do u know the qualification requirements?
25 y/o female- crohns disease since 14
Ileostomy pending-very worried
Tried asacol,pentasa,prednisone,remicade,6mp,azasan, no avail
Seatons placed
Worst year ever!

"For God has not given us the spirit of fear....."
Where does mine come from?!


Dancerpeg
Regular Member


Date Joined Dec 2007
Total Posts : 43
   Posted 1/3/2008 10:32 PM (GMT -6)   
Hi Pray4healing,
I just know after 90 days in my husband school district that he can apply for long term disability. It will pay 60% of his pay but I don't know about insurance. We went to the doctor's today they are going to start the Remicade before they get rid of all the infections so we can get the crohn's under control. They are also talking about the TPN line and maybe a little surgery on the infection part of his back but the infectious disease doctor had to tak to the GI doctor. When I get more on long term I will post it for you.
Peg

StomaGrrrl
Regular Member


Date Joined Oct 2007
Total Posts : 55
   Posted 1/4/2008 11:13 AM (GMT -6)   
Hi guys,

this is off-topic of money(prayer i just saw your response, been sleeping a few days as i recover and wasn't cruising the chats like usual) but I created an Ostomy or - " A little of my Ostomate Journey" photo album on Myspace. that's right kids, Myspace.

Prayer4Healing I did this primarily for you to see that the ileostomy is virtually undetectable, but also for the nameless faceless others out there who cruise the internet looking for some REAL example of what they are facing. The pics are all of me in some state of ostomatosis (did i just make up a word?). There is me with ileostomy, me without (after reversal), me traveling with ostomy, and recent pics of me looking entirely too happy post colostomy surgery. I have more pics of me eating and traveling with my ileostomy (my two loves - food and travel) and I hope in the weird scary moments they give you some help. My blog is also pretty entertaining, I'm told and I talk about being an ostomate on and off.

My myspace page:

www.myspace.com/chcknhed

a "direct" link (quotatin marks are cause i think you have to have a myspace membership (free and quick) in order to see:
http://viewmorepics.myspace.com/index.cfm?fuseaction=user.viewAlbums2&friendid=45696414&view=true

i hope this helps and doesn't violate any rules. smurf

praying4healing
Veteran Member


Date Joined Dec 2007
Total Posts : 739
   Posted 1/4/2008 4:38 PM (GMT -6)   
STOMAGRL!!!

Thank you soooooooooooooo much! you have no idea how much that album encouraged me, i sent you a message, so don't think i'm crazy or anything, but i was on the verge of tears while going thru ( for your happiness). Don't ask why, i guess i'm just a little emotional with everything coming up. My message will explain a little more. Anyway, I admire your confidence and tenacity, u seem so strong. I can't thank you enough!

By the way, yeah you do look toooooooooooooooo happy after that surgery, I think i'd need some strong meds to even be half way there after mine.

p.s.

Those glasses are banannas! I love them, i would ask where you got them but im n jersey so it wouldnt matter lol. N e way, i broke my last ones and its time for a new pair ( thanks to that grand ole' prednisone screwing with my 20/20 vision)

Thanks again
you are a Godsend
25 y/o female- crohns disease since 14
Ileostomy pending-very worried
Tried asacol,pentasa,prednisone,remicade,6mp,azasan, no avail
Seatons placed
Worst year ever!

"For God has not given us the spirit of fear....."
Where does mine come from?!


praying4healing
Veteran Member


Date Joined Dec 2007
Total Posts : 739
   Posted 1/4/2008 6:01 PM (GMT -6)   
yea ash
 
i think u do have to get cobra thru ur previous employer but i think you have like 90 days. when was ur last job? has it been more than 90 days? Other than that, I'm pretty much soon to be in the same boat as you are except I dont have any children, and am no where near marrying n e one so I can't even get medicaid that I know of.  Have you tried public assistance? It's a hard place to be in, everything is so hard to get. You have to put yourself in a worse position then ur already in just to get help. Let me know if you find out n e thing else, as you can see, i'm lookin for help on the same subject
25 y/o female- crohns disease since 14
Ileostomy pending-very worried
Tried asacol,pentasa,prednisone,remicade,6mp,azasan, no avail
Seatons placed
Worst year ever!

"For God has not given us the spirit of fear....."
Where does mine come from?!


Amey
Veteran Member


Date Joined Jul 2006
Total Posts : 942
   Posted 1/4/2008 7:41 PM (GMT -6)   
Ash,

You can look into taking out a personal policy. This is what I did when my employer was not willing to offer private insurance for 6 months. I took out a 6 months person policy.
Amey
 
 
Ileostomy 8/2007
Revised Coletomy/ Reset Anastimosis 2006
Revised Colectomy/ Obstructions 2005
Sub-total Colectomy 2001
 
Prov. 16: 20 Whoso trusteth in the Lord, happy is he.
 
Zelnorm, Colace, Motilium, Citrate of Magnesium, Nexium, Amitiza, Potassium, Magnesium, Miralax, Milk of Magnesium, Corgard, Glycerin Suppositories, Sorbitol, Bentyl, Senokot


Dancerpeg
Regular Member


Date Joined Dec 2007
Total Posts : 43
   Posted 1/4/2008 8:55 PM (GMT -6)   
Praying4healing,
How are you doing? Dave went to the doctor yesterday and we are waiting for them to consult with the GI doctor before doing anything like TPN line and maybe another surgery. Well I know that Dave will be covered until March with the help of shared hours for Feb. But really don't know what we will do after that month if it goes that long. I asked if he going to lose his job and they told me no. Which is a blessing to us. I am going to do is long term disability that something that goes into effect after 90days we did not set up short term disability. Well I hope thing go well with your surgery when it happens keep me in touch and I can pray daily for you while you are healing from the surgery.
Dancerpeg

StomaGrrrl
Regular Member


Date Joined Oct 2007
Total Posts : 55
   Posted 1/4/2008 10:23 PM (GMT -6)   
hey guys,

try www.ehealthinsurance.com for personal policies (short and long term). only thing is, as an individual they can deny you coverage for specific issues, but i used them and just paid out of pocket to visit my docs and did what someone else mentioned - communicated with the docs and they billed me for "wellness" exams while they monitored my progress.

I also started taking a very hard look at my finances and decided to live "cash only." that's another looooong story, but you know we have to learn money as we learn other things to care for ourselves.

personally, i don't see a problem with rushing to the courthouse to get insurance benefits and having a ceremony later once you've gotten health and can ENJOY the goings-on. In 2003 I remarried my ex "on paper" while we tried reconciliation and took care of my health. this was a blessing, truly, and although we couldn't work out the relationship it was a way to take care of camille that we agreed upon tacitly.

just my opinion. you're already planning to get married, sometimes life changes your timeline. heck, you don't even have to tell anyone (my best friend and her husband went to the courthouse for lunch six months ago because the island where they married a week ago required legal license in order for the ceremony. to keep it special for all the guests they didnt' tell anyone but me and their parents).

Amey
Veteran Member


Date Joined Jul 2006
Total Posts : 942
   Posted 1/5/2008 6:46 PM (GMT -6)   
I agree with StomaGrrl. My personal policy was highly regulated and they nit-picked over every little thing I did. However, the insurance agent who sold me my policy did not tell me which things were covered and which were not. It is very similar to having personal dental insurance (another rip off IMO). You only get two free cleanings a year and a couple xrays. Everything else is either "not covered" or "partially covered." I got several bills in the mail telling me "my portion of the bill was ___________" (what ever amount they did not pay). I was a healthy college student at the time and my policy was about $85 a month. I did not go to the Dr much at that time so paying part of a bill was not a big deal. I think the cheaper route would be to take out catastrophic insurance for emergencies and pay for everything else out of pocket.
Amey
 
 
Ileostomy 8/2007
Revised Coletomy/ Reset Anastimosis 2006
Revised Colectomy/ Obstructions 2005
Sub-total Colectomy 2001
 
Prov. 16: 20 Whoso trusteth in the Lord, happy is he.
 
Zelnorm, Colace, Motilium, Citrate of Magnesium, Nexium, Amitiza, Potassium, Magnesium, Miralax, Milk of Magnesium, Corgard, Glycerin Suppositories, Sorbitol, Bentyl, Senokot


StomaGrrrl
Regular Member


Date Joined Oct 2007
Total Posts : 55
   Posted 1/5/2008 8:34 PM (GMT -6)   
another thought: temp agencies. If you're facing losing your job due to illness and surgery now, go ahead and start scoping out temp agencies. Let them know you'll be looking for work in 6-8 weeks (or whatever), complete enrollment paperwork and take all their tests when you're feeling better.

the cool thing about temp agencies is you get GROUP INSURANCE COVERAGE through them. Yep. And you get an "in" on new jobs.

Just a thought.

praying4healing
Veteran Member


Date Joined Dec 2007
Total Posts : 739
   Posted 1/6/2008 6:50 PM (GMT -6)   
ash temp angencies are places that place you in a job for a temporary amount of time, it maybe seasonal or if the job has a project to get done or has someone out on maternity leave etc. some times you can end up getting hired full time if the position likes you. What stomagrl is saying is that the agency itself provides you with insurance so ur covered until you get a full time position (which i did not know, i swear she is so helpful!)
25 y/o female- crohns disease since 14
Ileostomy pending-very worried
Tried asacol,pentasa,prednisone,remicade,6mp,azasan, no avail
Seatons placed
Worst year ever!

"For God has not given us the spirit of fear....."
Where does mine come from?!

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