How to get medical treatment

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Silveradocoffin
New Member


Date Joined Aug 2011
Total Posts : 3
   Posted 8/2/2011 2:27 PM (GMT -6)   
I forgot to ask how does everyone get the medical attention that you talk about below is my original post? Like I said I can no longer afford medical help! What can I do ?

Found this sight yesterday and am excited to see all the help!
I am a selfemployed 47 year old married male with a beautiful 5 yr old little girl, but have been suffering with chronic neck and back pain. Up until the recession, we had our own health insurance and was treating my problem with chiropractor visits. Since 2009 we have not been able to afford insurance and I have been on 100mg methadone daily since 2007. I am so frustrated with our health care system and am wondering how does everyone I've read about get treated. I own a home and my wife has takin over running the business but I am desperate now because I am slipping into
depression, and dont want to loose everything! Sorry for the rambling but it's been awhile since I've been honest about how bad I really feel!

L-3,l-4 fusion 1999 successful. Degenerating spine disease and approximately 5 or so ruptured or herniated disc's.

sjkly
Veteran Member


Date Joined Dec 2007
Total Posts : 2113
   Posted 8/2/2011 4:16 PM (GMT -6)   
I see that your wife is running a business-so you had both been working in the business.
You may be able to join a local small business organization through which you can get group health insurance (expensive but may not have prior conditions exclusions) or one of you can concentrate on getting a job with benefits.
If you are disabled have you applied for disability-if you get that you can generally get medicaid.

Angeleyes13
Veteran Member


Date Joined May 2011
Total Posts : 636
   Posted 8/3/2011 10:33 AM (GMT -6)   
Welcome to HealingWell Silveradocoffin!

Insurance in this country really needs some help doesnt it? My husband is self employed and before I went to school I worked for him. Our insurance was outrageous and not very good. I now work in the school system and have very good benefits, but for us to purchase something comparable due to our pre existing conditions it would be well over $1500 per month per person. If I didnt have the job I do, I would be in deep trouble, one reason I need to fight so hard to continue working even though it is killing me.

Some insurance companies have their own income tiered programs you may want to look in to. There are also state run low income programs as well, I know our state has just done away with its low income program for adults, but the kids program remains. As said previously, you may also want to apply for disability, I think there is a waiting period for health benefits, but if your situation is truely long term, that may be the direction to go. But of course for this you need doctors.

Hopefully, someone will come along with some good info for you.

Jim1969
Veteran Member


Date Joined Jul 2009
Total Posts : 2042
   Posted 8/3/2011 11:29 AM (GMT -6)   
For starters I suggest you check with your state's assistance programs. Because of the very problem you described (not being able to afford private insurance and not having insurance through your place of employment) many states have expanded "medicaid" programs. Basically you have medicaid, but instead of it being provided for no charge as it is for the poorest you pay a monthly premium and also have co-pays, just like "normal" insurance. These premiums and co-pays are based on your income.

I have even heard of some states that have programs in place for people to buy into the same insurance policies that they have for state employees. While this usually amounts to having to pay the full premium each month it can be a lot cheaper than getting insurance on your own.

Another place to talk to would be your local chamber or commerce. They may have information about insurance "co-opts" available to small business owners in your area. In essence a bunch of SBO's get together and buy insurance and because of their numbers can get a group rate.

Another possibility is to check with your local hospitals, especially if they also operate doctor's offices and clinics. Many times the hospital will have assistance programs in place that have a lot more generous income guidelines than the state does, and often these programs will not only cover bills at the hospital but at any doctor's offices/clinics they own and operate.
2 confirmed herniated lumbar discs. Spinal Arthritis. Spinal Stenosis, diabetic peripheral nueropathy.

Silveradocoffin
New Member


Date Joined Aug 2011
Total Posts : 3
   Posted 8/3/2011 3:30 PM (GMT -6)   
Thankyou all for the info so far! I am currently applying for medi-cal , and I was trying to explain my income situation and health problems. Because of the recession and my health problem , my business has declined by approximately 62% as of 2011 and I no longer can really be of much support , as it is a labor intensive business .
I just recently actually came to terms with admitting that I have to accept my physical condition's ! But over the last several days since looking for support on the Internet have felt some strength in knowing I'm not alone and that I can take action to help alleviate the depression that comes with chronic pain! Thankyou again everyone so far, and I will just have to pray that the state approve's me!
The last several years have been tuff, morgage modification , bankrupsty and a really heavy burden for my wife as well!
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