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Regular Member

Date Joined Jul 2007
Total Posts : 108
   Posted 6/4/2008 4:35 PM (GMT -7)   
Hey all, I haven't been posting in a while but I was checking in periodically. I just got some really good news yesterday, I was approved for benefits, even on my first try. This is great news seeing I have been layed off from my job for the past 6 months, Hospitalized twice and am really weak and in alot of pain in my right leg. The uncertainty of my job has lifted what feels like 10 tons off my shoulders. The only thing I have to ask some of you that are getting SSDI, is what have you turned to for health coverage. I was still covered with my job while I was laid off, so now I don't know what I will do for that. Any feedback would be great. Thanks.

Forum Moderator

Date Joined Jan 2007
Total Posts : 3550
   Posted 6/4/2008 4:47 PM (GMT -7)   

Hey Tertle!!

Congrats on the SSDI.  I can't offer you any info on insurance but I am sure someone will be along shortly to give advice.  I just wanted to show my support!! 

Gretchen       co-moderator MS board       diagnosed with MS July 2006

Veteran Member

Date Joined Jun 2005
Total Posts : 2135
   Posted 6/4/2008 5:09 PM (GMT -7)   

I'm so glad you got approved on your first try!

As for your health insurance..I SO wish you would have asked that question immediately upon being laid off!  What you NEEDED to do then was to apply for and get COBRA...a sort of "bridge" health insurance between the job you left and a new job..even though in fact you weren't applying for a new job.  I don't think you will be eligible anymore..and it is very expensive, so you might not be able to afford it anyway. But it wouldn't hurt to check. Start with your state unemployment services and see if they can provide you links to where you can explore possibilities there.

Unfortunatly you won't be eligible for Medicare until you've had SSDI for 2 YEARS. Meaning, essentially, you have no coverage for the next two years.  If you can't get COBRA, you won't be eligible for any sort of private health insurance. You might check with your state -- many states have a "high risk" insurance policy available to residents of the state --but again, it's very expensive.

Other than that..about all you can do is negotiate with your doctors..let them know you have NO health insurance until the Medicare starts, and see if they will provide you with care at a reduced price.  A tough spot to be in, for sure.

...I am not a doctor, nor health professional, and don't pretend to be one, here.....

Regular Member

Date Joined Jul 2007
Total Posts : 108
   Posted 6/24/2008 5:13 PM (GMT -7)   
Well, i don't have to worry anymore about the insurance part, I got approved for some medical assistance called Badgercare here in WI, for the whole family. So now I can focus on my health and kids.. Thanks for listening, or I mean reading.

Veteran Member

Date Joined Mar 2006
Total Posts : 2146
   Posted 6/24/2008 5:57 PM (GMT -7)   

I'm so glad to hear this for u!! Congrats and take good care of u'rself and that sweet family!
Co-Moderator, MS Forum
*~*Sometimes the Lord calms the storm. Sometimes He lets the storm rage and calms His child.*~*
Things that make u go hummmm......
*I wonder how much deeper the ocean would be without sponges.*
*One day without sunshine is*

Regular Member

Date Joined Apr 2007
Total Posts : 334
   Posted 6/24/2008 11:21 PM (GMT -7)   

Wow, that’s great news!!! Congrats :-)

mystery reader
Regular Member

Date Joined Jun 2007
Total Posts : 257
   Posted 6/25/2008 4:32 PM (GMT -7)   
Hey!  That is great news.  I am happy to hear that things are working out for you.
Barb/mystery reader
Diagnosed April 2007
Started betaseron --  May 2007 -- experienced allergic reactions after 2 weeks
Started copaxone -- June 2007 -- stopped after 4 1/2 months;experienced  severe 5 IPIR's
Started tysabri -- December 2007
Stopped tysabri -- April 2008 (developed antibodies/severe reactions)

Regular Member

Date Joined Aug 2007
Total Posts : 144
   Posted 6/25/2008 5:38 PM (GMT -7)   
Great news congrats.Every once in a while things work out for us!!Glad that it moved so quickly for you...pokey79
diaganosed 1983
avonex once weekly
steroid infusion every three months for three days
mycoline three times a day
fosamax once a week
bladder meds. daily

New Member

Date Joined Jun 2008
Total Posts : 3
   Posted 6/28/2008 12:25 PM (GMT -7)   
Tertle, if you didn't apply for Cobra upon being laid off, here is another option. Have you applied for Medicaid in your area? Depending on how much your check is and state regulations, you may qualify. Also, actual health care may be an issue, but there are various medication programs that you can enroll in until you get Medicare that will supply your prescriptions an no or low cost. The MS Society in your area may be able to assist you with information you need until your Medicare is active. Just some suggestions. Hope this helped.
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