Low income asthmatic & crappy insurance Grr!

Do you have trouble getting coverage for you asthma care & medicine?
2
no - 100.0%
0
sometimes - 0.0%
0
yes - 0.0%

 
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Desertaquarius
Regular Member


Date Joined Jan 2013
Total Posts : 29
   Posted 1/15/2013 3:59 PM (GMT -6)   
After struggling with no insurance, my husband finally got a job that provides insurance from Aetna. Unfortunately, the insurance people told me that they will not cover anything for my severe asthma (pre-existing condition crap). mad It makes me so mad to pay hundreds of dollars a month to keep insurance that doesn't help me breath easier. I simply can not afford to pay hundreds of dollars a month (for my asthma care & medicine)(out of pocket) toward our astronomical (unbelievable) deductible! mad

My asthma is getting worse and often keeps me confined to my home (my safe place). My doctor said that at this point my condition is severe and life threatening. How can I get my asthma under control when I am low income (yet still don't seem qualify for assistance)?

Why wont our insurance help me with anything? Where do I go to get help? Any advice?.

couchtater
Elite Member


Date Joined Jul 2009
Total Posts : 14475
   Posted 1/15/2013 8:37 PM (GMT -6)   
If you take Advair you can sign up for Bridges to Access. You can get reduced to free medication from them.

I'm getting my Advair and Ventolin free from them.
Joy
Lupus, Fibromyalgia, Glaucoma, Asthma, Hypothyriodism, Sleep Apnea, Degenerative Disk and Facet Disease, and Allergies

When life throws you lemons....
Pick them up and throw them right back at them! :))

Chartreux
Veteran Member


Date Joined Aug 2006
Total Posts : 9661
   Posted 1/21/2013 3:23 PM (GMT -6)   
Wait what? if your in the USA, there is no pre-existing conditions you need to appeal this, you have the right to appeal decisions, it's your right and you need to look under new healthcare laws with our current president there is no longer a pre-existing condition clause anymore, in the USA. Appeal this, However, they can then raise the price, thus the price of your copay for this medicines and make it a tier3 medication unfortunately which then will not help you. Under current federal laws no more pre-existing conditions apply, look this up, be an informed patient and look into it.
Look into what Joy/couchtater said, hope that can help you.
**********************************************
* So many dx's I could write a book* "It would be nice if we could use the edit button in real life"...
********>^..^<********>^..^<*******

Desertaquarius
Regular Member


Date Joined Jan 2013
Total Posts : 29
   Posted 1/22/2013 11:47 AM (GMT -6)   
Thanks for the advice. I called medco which is where we have the perscription insurance and they just said that I have a $4000 deductable on perscriptians so untill that is met then they wont be able to cover much on my percriptions... Then I said, what is the point of me paying for this insurance then. To which they had no repily. They were also trying to explain how most of my perscriptions were not generic, and i said that they really don't make generic asthma medicine. There is not one preventative asthma medicine on the list thich is either generic or under $100. I tried to explain my situation, but they really didn't care or give me any options. The just treated me like I was stupid and like I was waisting their time with my call. They just want their darn deductable met and untill that hapens they give me no hope for relief.

Where I ask is the humanity? It is not like my ability to breathe is nessisary for my survival or anything...

Chartreux
Veteran Member


Date Joined Aug 2006
Total Posts : 9661
   Posted 1/22/2013 4:29 PM (GMT -6)   
Can you go and talk with your doctor and see if maybe he/ she can give you any samples of your mediations. Then go online and see if you apply for what Joy recommended. A lot of my medications are tier 3 medicines which makes them more costly. Maybe ask your pharacists if you qualify for any loe income options for your prescriptions, If you go to church ask if the offer help for getting medications...keep trying there is hope somewhere but you gotta ask and search for it.
Many well wishes
**********************************************
* So many dx's I could write a book* "It would be nice if we could use the edit button in real life"...
********>^..^<********>^..^<*******

dencha
Forum Moderator


Date Joined Feb 2009
Total Posts : 7180
   Posted 2/6/2013 3:02 PM (GMT -6)   
Hi Desertaquarius,
Sorry to hear you're having so many problems with your new health insurance.  Unfortunately, while kids under (I believe) 19 are now covered by the "no pre-existing conditions" clause in the AHCA, adults have to wait until September 2014 for that to kick in.
 
There are many pharmaceutical companies that are trying to help out with problems like yours.  If your asthma is as bad as you say, your doctor might even consider you for Xolair. It is extremely expensive, but if you qualify, Genentech will provide it to you free of charge.  I don't know if your asthma doctor is aware of the program, but if so, he/she might be interested. 
 
There are other health assistance programs.  Actually, when my insurance company refused to cover something, they gave me the names of a couple programs like that for me to check out. 
 
I would guess that other companies will provide drugs for free or reduced charges. 
 
Good luck in your search for answers.  Hang in there.  In just a few months, there will be a lot of other insurance options and nobody will be able to tell you that your pre-existing condition is not covered.  However with your high deductable prescription drug plan, I'm not sure how much that will help you. 
 
Once the AHCA starts up fully in 2014, there may be an insurance plan in the insurance exchange in your state that will work better for you than the one you're on.  I don't know how that will work. Also, I'm not sure if it will force your insurance company to provide better coverage at that point.  Good luck!
Take care,
Denise
GERD/Heartburn Moderator
Nissen Fundoplication 2/09
Allergy/Asthma

"Whatever you fight, you strengthen, and what you resist, persists.”

“Worry pretends to be necessary but serves no useful purpose”

“Accept - then act. Whatever the present moment contains, accept it as if you had chosen it. Always work with it, not against it.”
Eckhart Tolle

Post Edited (dencha) : 2/6/2013 5:11:03 PM (GMT-7)

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