health insurance - Disabilities Message Board

marys1358 · 01-25-2007, 04:58 PM

Hello,

What is everyone doing for health insurance?I have insurance right now but I have to drop it because I CAN"T afford it anymore down to my last $$$$$$$$.
I should receive my backpay any day but insurance is do Monday and only have 1/2 the money so they're going to drop me been with them since 1990 sucks.So I was wondering what is everyone else doing for insurance?Since I'm Dx's witha preexisting condition where do you turn?They say my husband makes to much for badger care so I'm screwed.His pay doesn't even cover all the bills.I don't know what to do.

Please I need advice.Sorry for venting.
Mary

sleuthie · 01-30-2007, 11:43 PM

Quote:

Originally Posted by marys1358

Hello,

What is everyone doing for health insurance?I have insurance right now but I have to drop it because I CAN"T afford it anymore down to my last $$$$$$$$.
I should receive my backpay any day but insurance is do Monday and only have 1/2 the money so they're going to drop me been with them since 1990 sucks.So I was wondering what is everyone else doing for insurance?Since I'm Dx's witha preexisting condition where do you turn?They say my husband makes to much for badger care so I'm screwed.His pay doesn't even cover all the bills.I don't know what to do.

Please I need advice.Sorry for venting.
Mary

I was kind of wondering the same thing Mary

Can you get on your husbands insurance? Check your state to see what they have to offer and you may be able to get assistance with your meds too. We have a free clinic here but you have to take all income there and be almost homeless to get assistance. Then you get to wait there ALL DAY to see someone. And then the care is just basic stuff you know.

Gosh, I hope you find some help Mary. Take care

ICC · 01-31-2007, 04:02 AM

mary--is there any way you can go to a lesser expensive plan? if ther eis no lapse in coverage for more than 60 days the pre-exisiting clause is usually waived. the other option is your husbands. is that a possiblility? i understand what you are going through as I was the benefit carrier and after bein ginjured and out of work for 10 months have to pay over $1000 a month to keep us both covered. it is a hardship to say the least. good luck.

ICC

marys1358 · 01-31-2007, 08:16 AM

Thanks for responding,

The thing is my husband can't get insurance through work because his boss has high risk and dropped the insurance so we have indivdiual insurance where I had to raise the deductible already if it goes any higher I might as well drop it because then I would have a 5,000.00 deductible which is just crazy.
But you know if you try for assistance well my husband makes to much money but yet you can't even pay all the bills a month.I feel bad because I was a waitress and made excellent money and now NOTHING, that hurts the pocket book.
How does Medicare work so much money a month and then you also have to pay extra for Medicare D?I would love some suggestion of what policy I should pick for Medical D if anyone is from Wisconsin.I believe Medicare D should start August 2007.But you know the S.S. office it could be 2008.

Thanks Mary

Mz Migraine · 01-31-2007, 11:46 AM

Medicare is my health insurance & I go through one of my State's approved insurance for Part D to pay for my prescriptions. The premium is only $24/month. However, since I turned 56 last year I pay no premium as now I am on their Gold Program through my state.
Disabled people & Seniors get the same benifits.

Each state has their own Part D Prescription Drug Plan.

Once you get your Medicare card you should receive a Medicare booklet called Medicare & You 2007. It will explain everything.
In the back of this booklet there will be a list (chart) of all the Medicare qualified Part D Prescription Drug Plans & Insurance Plans FOR YOUR STATE to choose from.

Good luck!