Personal health insurance plan costs?

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sickofitall
Regular Member


Date Joined May 2009
Total Posts : 251
   Posted 9/11/2017 2:46 PM (GMT -7)   
Hi guys-- I've been doing this 8-6 M-F desk job for 12 years. Recently I've noticed side effects for sitting all day. I've got fibromyalgia and my shoulders tense up daily. Chronic pain, etc. I don't think I can qualify for disability yet, but likely will one day. I'm thinking of owning my own business. But am scared of the health insurance costs. I"ve taken cimzia for the last 8 years. I can't imagine how much that policy would cost! Anybody have a similar situation out there? How much does it cost you to be covered? TIA--Stephanie

straydog
Forum Moderator


Date Joined Feb 2003
Total Posts : 15289
   Posted 9/12/2017 5:09 AM (GMT -7)   
Sickofitall, this is a pretty difficult question to answer. Costs can vary state to state & also depending on the coverage being bought. Your best bet is to go online & plug in your info with companies in your state. One thing to keep in mind if you elect to work from home. If you find your Cimzia is covered one year, do not expect it to continue. Just like employer insurance they often drop many drugs each year.

Sitting at a desk all day is rough. Try to keep your posture in check, get up & walk around as often as possible. You have to have really strong medical evidence to show proof of disability & your specialists have to be behind you 500%. If you are young & can be retrained for other type of work they use that as part of the denial. In most states it takes anywhere from 18 months to 2 years or longer, depending on the state to get to a hearing.

Take care.
Susie
Moderator in Chronic Pain & Psoriasis Forums

Labradorite
Veteran Member


Date Joined Sep 2009
Total Posts : 991
   Posted 9/12/2017 9:57 AM (GMT -7)   
I agree with straydog. it varies quite a bit from state to state. Check out what your state has available. you should be able to get an estimate. I purchase mine currently. Its is super expensive but they take my doctors and despite saying they don't cover remicade, they agreed to cover it once I reach my 3,000 dollar out of pocket max (which knowing that remicade is billed at $35,000 from my hospital, i'll be reaching that pretty fast) . Its not a very sustainable solution right now because of the expense but it is worth it.
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