Hey everyone I need some help

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TLB37
Regular Member


Date Joined Dec 2008
Total Posts : 79
   Posted 6/24/2009 10:54 PM (GMT -6)   
    My husband lost his job last week and now we have no health insurance!!!!   I need to know if i can get help  getting my Lialda. I don't know what to do . I have been so upset and crying that my stomach is now in a mess ! If you know of any help let me know. cry
    Female 37
 
   20 years of Ulcerative Colitis
 
  meds,  2 Lialda, 3 Azathioprine, 1 Celebrex, Cymbalta, Mirtazapine,
               TLB ( :


donnaeil
Veteran Member


Date Joined Jun 2006
Total Posts : 1156
   Posted 6/24/2009 11:01 PM (GMT -6)   
Contact the company that manufactures the drug. They can help.

Donnaeil

TLB37
Regular Member


Date Joined Dec 2008
Total Posts : 79
   Posted 6/24/2009 11:04 PM (GMT -6)   
O ok thank you so much .. I have not even thought of that to tell you the truth i can not think at all. thank you
    Female 37
 
   20 years of Ulcerative Colitis
 
  meds,  2 Lialda, 3 Azathioprine, 1 Celebrex, Cymbalta, Mirtazapine,
               TLB ( :


Christine1946
Veteran Member


Date Joined Aug 2008
Total Posts : 5975
   Posted 6/25/2009 5:22 AM (GMT -6)   
     Also, mention this to your GI doctor.  They usually have tons of samples from the drug companies and can give you these.  When my hubby retired, our prescription plan went from paying only $1 generic and $3 name brand to making us pay 10% on everything.  Immediately my GI doctor saddled me with Cort enemas, Canasa, anything he could from his office.  Nice guy.
62 yr old granny. South Jersey
Diagnosed with ulcerative proctitis in 1998 in hospital
Hospitalized (2nd time) in May 2008
Meds as of June 09: Colazal (6 per day), 6MP (50 mgm), Probiotic (upped to 3 per day), Fish oil capsule, calcium, multivitamin, Cort enema nightly, Canasa in morning.  Also taking Benicar and Toprol to control high blood pressure.  Getting old is a b****.


Dr-A
Veteran Member


Date Joined Jul 2006
Total Posts : 2105
   Posted 6/25/2009 6:44 AM (GMT -6)   
Direct Link to their patient assistance info and phone number:

http://www.lialda.com/aboutLialda/patient-assistance.asp

You should have no problem getting your medicine, so try and not worry about that part of it. Don't forget Cobra benefits are dirt cheap for 9 months due to obama's deal. I am reaping the benefits of that right now. If your husband lost his job you still have access to that insurance. If you can get through those 9 months, then at that point be able to afford 9 more, you can then jump on a private insurance and get past the pre-existing stuff.
Proctitis DX 1999, Pancolitis DX 2008
Golimumab study (100mg every 4 weeks)
L-Glutamine 5000 mg + 600 mg pyridoxal alpha-ketoglutarate
Probiotis/VitD3 5000IU+Ca/1000mg DHA


TLB37
Regular Member


Date Joined Dec 2008
Total Posts : 79
   Posted 6/25/2009 11:59 PM (GMT -6)   
O thank you all so much for your help !!!!! The stress of not knowing what i was going to has been awful . In one day our world got turned upside down .
    Female 37
 
   20 years of Ulcerative Colitis
 
  meds,  2 Lialda, 3 Azathioprine, 1 Celebrex, Cymbalta, Mirtazapine,
               TLB ( :


Probiotic
Veteran Member


Date Joined Mar 2007
Total Posts : 2832
   Posted 6/26/2009 4:38 AM (GMT -6)   
So sorry about this-- don't you have 180 days or something to get Cobra coverage, which has to be offered for up to 18 months? Though not dirt cheap for pre-existing conditions, it is a way to cover the gap until you get new coverage (and can be retro-active, too, up to 180 days or something like that), allowing continuation of the present coverage and ensure no gap and a good rate on the next policy, so I assume it always pays for itself for any major pre-existing condition like IBD. I've never had to use it but remember getting all sorts of pamplets and forms for it every time I have switched jobs. Nrst of luck!
Pancolitis >20 years, allergic to all 5ASAs
(To pharma: enough already with the umpteen variants of Asacol!)
Tried everything under the sun (natural and alternative), low carb SCD
Some partial success with TSO but  too expensive to keep up 
Remicade Humira, lots of probiotics, entocort, tapering increasing pred again,
homemade fecal infusions, maybe surgery this year soon
 
 


TLB37
Regular Member


Date Joined Dec 2008
Total Posts : 79
   Posted 6/26/2009 11:01 PM (GMT -6)   
We have not got anything on cobra yet not to we wan't . I will do some calling around monday and see what i can find out . thanks
    Female 37
 
   20 years of Ulcerative Colitis
 
  meds,  2 Lialda, 3 Azathioprine, 1 Celebrex, Cymbalta, Mirtazapine,
               TLB ( :


YJane
New Member


Date Joined Jun 2009
Total Posts : 10
   Posted 6/27/2009 6:49 AM (GMT -6)   
Try googling the Healthwell Foundation.  They have a list of dieases that they give financial help with medications.  Last time I checked UC wasn't on the list (although Crohns was), but they add and delete diseases all the time!

WIMOMOFTHREE
Veteran Member


Date Joined Apr 2009
Total Posts : 654
   Posted 6/27/2009 7:34 AM (GMT -6)   
Does your state offer insurance.  Like in wisconsin we have title 19 and badgercare.  Just until your husband finds a job.  My husband has been without a job since Feb.  I know how you feel.  I was diagnosed with UC in March.  I had to find a doctor that took title 19 and I did and she is GREAT.  I will go off of this as soon as my husband gets a job.  I stay home with the kids so it has been hard on us.  Us with UC need insurance.  I have to start remicade this month and I can't afford it.  Good luck and try not to stress out(I know it's hard).  If it makes you feel better we have survived this far just fine and so will you.  Best of luck.

julee70
Regular Member


Date Joined Oct 2007
Total Posts : 486
   Posted 6/27/2009 4:54 PM (GMT -6)   
If your husband worked for a company with more that 50 employees, the company must (by federal law) offer you COBRA coverage. That means that you can stay on the same company policy, only you pay the cost of the insurance. If your husband was laid off/fired, you can qualify for a federal subsidy that will pay 65% of the health insurance cost. The subsidy started this year to help the many people who have been laid off. It will pay 65% of your health insurance cost through COBRA for 9 months. There are some eligibility requirements, but my guess is that you qualify since most people who lost jobs involuntarily do qualify.

You have 60 days to elect to continue coverage through COBRA (assuming that his employer offers it) and then the company will turn your insurance back on -- retroactively to the last day he worked or had coverage. If you spent money on Lialda or anything else, you could then file reimbursements with the health insurer.

I hope that you can get coverage that way. Otherwise, as others have suggested, many states have insurance for people without other options. There are also state run "high risk" insurance plans for people like us who usually get denied for individual policies because of the pre-existing condition rules. (Not all states allow insurers to exclude people who have pre-existing conditions, so I wouldn't consider it impossible to get an individual policy, although that's an expensive route usually.)

Good luck with this. I hope you get all the info you need on Monday. Your husband should call his HR department or similar such person at his company. To let someone go from a job without providing that kind of information is truly ridiculous. By the way, even if an employee is fewer than 50 people they can still offer COBRA, they just don't have to by law. You might be able to talk them into it.
-------
UC for the last ten years
Current Meds: 6MP since 2006, Lialda, Asacol foam, Lomotil
Past Meds: You name it; I've tried it. (Asacol, Colazol, Pentasa, DiPentum, Rowasa, Canasa, Cortenema, sulfasalazine, Cortifoam)
Alternative treatments I have had success with: Acupuncture, Hypnotherapy


notsosicklygirl
Forum Moderator


Date Joined Dec 2008
Total Posts : 16719
   Posted 6/28/2009 11:28 AM (GMT -6)   
It is a tough situation in my opinion. If you are not elligible for cobra for whatever reason, the patient assistance program probably won't accept you until next tax season if you can prove your income is below poverty level. So for a single person, you would have to make under 20,000 or something similar. Since your family brought in income and your taxes probably showed more than 20k last year, you may not be able to participate right now. That happened to me in 2007, I made slightly too much money to participate and I had to wait until the new tax year to try again.

This is from Proctor & Gamble's PAP application:
Attach a copy of last year’s tax return or other records for proof of income. Some examples are IRS Forms 1040, 1040A, 1040EZ, W2 and 1099 Social Security Statement. If you did not file a tax return, please attach an IRS Form 4506-T, which shows that you did not file. http://www.pgpharma.com/patient_assistance.shtml

Some manufacturers don't require proof of income, I am not sure about the makers of Lialda but P&G was pretty strict.

If you can't get into a program, I recommend ordering from Canada. I have ordered there and gotten great prices. Way better than we pay in the US. You may also have to consider switching to Asacol or a less expensive drug that has the same benefits. I hope you can get Cobra or into one of these programs. They should really accept people based on the fact that they lost their income. It's not fair to make people wait until they can provide tax forms as proof. Takes too long!


Diagnosed with mild proctitis in March 2007: Treated with Canasa (as needed)
December 08: Began treating with Asacol 400mg (9/day) + Canasa 2x/day - Anemic
May 09: Off Canasa, taking Asacol (9/day)
Back on Canasa every other night + Asacol (9/day) + Probiotics + Iron
Reducing to 6 Asacol/day + Canasa + Probiotics + Iron - So far so good!!! -SPOKE TOO SOON! Back to 9/day...


Meesh
Veteran Member


Date Joined May 2006
Total Posts : 619
   Posted 6/28/2009 1:14 PM (GMT -6)   
Take advantage of COBRA, especially since then gov't will pick up 65% of it. The most important thing you need to bear in mind, whatever the cost, you CANNOT afford to have a lapse in coverage. The pre-existing condition is only an issue if there is a lapse of coverage. So make sure you get signed up for COBRA and start looking into what you can do either at he 9 month mark if you cannot afford the whole thing once the gov't help runs out or at the 18 month mark when COBRA expires for you.

You should explore groups you may be able to get coverage with. For example, insurance coverage is available through NASE (National Association of the Self Employed). Many people join NASE JUST for the insurance option. If you or your husband do any sort of free-lancing or any kind of work you find and do yourself you can join NASE. Depending on your ages AARP is a group you can join that offers insurance. In some states Costco offers health insurance plans. Starbucks offers health insurance to part time employees, I think you have to work at least 20 hour a week. That may be an option for you. Just don't let your coverage lapse no matter what! It will be almost impossible to get coverage with UC if that happens.
47 yr old female, dx'd UC April 27, 2006; mild arthritis in lower back, dx'd May 2008; Osteopenia dx'd 6/08 Finally achieved remission mid October 2008!!

16 Remicade infusions, current scheduled every 6 weeks: 1st: 7/21/07; most recent: 6/06/09; Current meds & supplements: Lialda, 4 tabs in the morning; Xanax as needed (rarely); Rowesa and/or Canasa; multivitamin w/folate; Culturelle; Fish oil capsules, calcium chews and/or Tums; Vitamin D;

Past meds: Prednisone 4/06-4/08; Entocourt EC; Asacol; Colazal; Venofer (iron) injections Dec '07; Imuran (extremely bad reaction 2/07); Protonix; Lexipro


julee70
Regular Member


Date Joined Oct 2007
Total Posts : 486
   Posted 6/29/2009 7:19 AM (GMT -6)   
Good point, Meesh. I think the lapse in coverage rules may be different in each state, I'm not sure. But they are something to worry about for sure.
-------
UC for the last ten years
Current Meds: 6MP since 2006, Lialda, Asacol foam, Lomotil
Past Meds: You name it; I've tried it. (Asacol, Colazol, Pentasa, DiPentum, Rowasa, Canasa, Cortenema, sulfasalazine, Cortifoam)
Alternative treatments I have had success with: Acupuncture, Hypnotherapy


TLB37
Regular Member


Date Joined Dec 2008
Total Posts : 79
   Posted 6/29/2009 9:38 AM (GMT -6)   
I wa't to thank you all so much for all the good in the advice . We did call his HR and they said we should be getting something in the mail from cobra. I was so releved. I also saw my dr.yesterday and he thinks that with having uc and seizures that i have a good chance
of getting my disability. So i'm looking in to that also.
    Female 37
 
   20 years of Ulcerative Colitis
 
  meds,  2 Lialda, 3 Azathioprine, 1 Celebrex, Cymbalta, Mirtazapine,
               TLB ( :


julee70
Regular Member


Date Joined Oct 2007
Total Posts : 486
   Posted 6/30/2009 7:18 PM (GMT -6)   
hi TLB,
Sounds like better news! It sounds very promising. When you get the COBRA info, it should include information about the 65% federal subsidy. If your husband was laid off, you really should only have to paid 65% of the cost for the next 9 months. [Edited: Oops, I meant that you pay 35% and the govt pay 65%!] I hope it is not expensive! :)
By the way, I was just at my doctor's office and I saw some coupons for Lialda, so you might want to see if your doctor has some coupons or free samples to help you out a little.
Sending you good wishes!
-------
UC for the last ten years
Current Meds: 6MP since 2006, Lialda, Asacol foam, Lomotil
Past Meds: You name it; I've tried it. (Asacol, Colazol, Pentasa, DiPentum, Rowasa, Canasa, Cortenema, sulfasalazine, Cortifoam)
Alternative treatments I have had success with: Acupuncture, Hypnotherapy

Post Edited (julee70) : 7/1/2009 5:48:00 PM (GMT-6)


RH_Texas_Gal
Regular Member


Date Joined May 2009
Total Posts : 367
   Posted 6/30/2009 8:33 PM (GMT -6)   
I am in the same boat with hubby losing his job (my nonprofit job does not have medical benefits) ... luckily he can be treated at the VA (and is filing for both SS disability and military disability) and the kids qualified for the TX insurance program for kids ($35) a year with minor copays. The only left is me with UC ... We paid for 2 months of COBRA upfront so I have time to find a good insurance plan for just me and I won't have to deal with the pre-existing condition thing. Right now, I don't qualify for the Shire Lialda program but hopefully with some coupons and doctor samples, I can go a few months with a lighter financial load. Next year, I should qualify for the Shire program.

To give you an idea, under the new COBRA law, we would only have to pay $250 a month for a family of 4 for that 9 month window. After that, it would be $800! Yikes! When the chips are down, you get creative. That's what we are doing. We may not all have the same coverage but we all will be taken care of health-wise. Consider other organizations like American Legion, VFW, AAA, civic or service organizations for membership as you can then get discounted health insurance rates through them too.

saposs
Regular Member


Date Joined Nov 2008
Total Posts : 339
   Posted 6/30/2009 9:51 PM (GMT -6)   
As everyone above has mentioned.... thanks to Obama: If anyone looses job after Feb'09 they get Cobra coverage with the same plan as they had prior to layoff + the you need to pay just 33% i.e if your earlier plan cost was 1000$ now you need to pay $330....this for 9 months & hopefully some other way will open up in 9 months. Wish your husband gets a new job soon. Remember keep calm- first person with UC cannot afford to get tensed & second you are able to make better choices with calm mind. I wish you all the best & i am sure everything will be o.k.
UC forum : Dx Jan'2009: Canasa suppositories 1000 nightly - worked for 2 months then re-flare
13 may: canasa 1000 X2 daily for 2 weeks; 30May: LialdaX2 started on 30th may.
Symptoms: Mucus, blood, constipated (not always), Lots Gas
Also started Probiotic from 23 Mar & fresh Turmeric root from 25 March'09- stopped both on 10th May
Thyroid Forum: Dx in Dec'08, levothyroxine from 50mcg to 77 mcg in June'09 :-(


TLB37
Regular Member


Date Joined Dec 2008
Total Posts : 79
   Posted 6/30/2009 9:57 PM (GMT -6)   
This boat we are in is so scary . This is the first time in 17 years we have not had insurance. Thanks for telling me about the other organizations . I did not know about them . My dr gave me all the Lialda he had for now and will be saving all the samples he gets in thank the lord. So im good for about 3 months . On that med any ways
    Female 37
 
   20 years of Ulcerative Colitis
 
  meds,  2 Lialda, 3 Azathioprine, 1 Celebrex, Cymbalta, Mirtazapine,
               TLB ( :

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