It appears you have not yet Signed Up with our community. To Sign Up for free, please click here....



Fibromyalgia Message Board
Post New Thread   Closed Thread
LinkBack Thread Tools
Old 06-04-2004, 10:13 AM   #1
Inactive
 
Join Date: May 2004
Location: Western Colorado
Posts: 457
taurus3 HB User
Health Insurance

Hi There,

I was catching up on Glenda's SSI post and noticed Sandy asked about health insurance. First off we're all pulling for you Glenda! A victory for one is a victory for all. I thought I would open a new discussion since this can be such an involved subject.

Two years ago I had to quit working. Up to that point I had insurance. As most of you probably know you can get coverage through COBRA for a year after employment. However it's normally extremely expensive and you're better off just paying the bills yourself unless you need surgery or something. My COBRA benefits would have cost $300 per month which was the difference between eating and not for my family.

For myself I was not able to get insurance for awhile. My husband had no coverage through work at the time. I had to have surgery while uninsured and that along with not working and having no income led us to bankruptcy.

Luckily last July we received benefits through my husband. Here's what I know about what you can do though. A lot of it varies from state to state. If you have to stop working you can apply for Medicaid/Medicare if you're income is below their approval limit. If you're single you can usually qualify. Also there are many state sponsored programs for uninsured people that are also based on a sliding scale. The program in Colorado can be as low as $25 per year with a low copay. It just depends on your income. We were about $.10 an hour over the limit so I couldn't get that either for myself, just for my son. But it still helped.

Many insurance companies are offering cheaper benefit packages for self insured people as well. You can search for quotes on-line. And finally most communities have clinics that will charge you based on a sliding scale if you have no insurance. If you have to see a different doctor they will usually work in conjunction with your regular doctor that you can't afford to see to make sure you get the same care.

Now I'm sure there is lots of knowledge out there that I don't posess so take it away TEAM FIBRO...

 
Sponsors Lightbulb
   
Old 06-04-2004, 10:20 AM   #2
Junior Member
 
Join Date: May 2004
Posts: 37
Sandy5764 HB User
Talking Re: Health Insurance

Thanks for starting a new post on insurance. It is a huge problem, isn't it??? It scares me to death to have to quit my job, but it's becoming ever increasingly clear that I soon will have no choice. I'm an administrative assistance, working full time (40 hours per week). My biggest areas of pain are my right elbow, left wrist, right knee, left hip and upper back/neck/ shoulder areas. You can see by this that it's not specifically one side, which if it was, at least I could use the opposite arm/hand to type, etc. I know that my car loan and one other loan I have would be taken care of since I have insurance on them (if I can't work they'll be paid for). This won't help my insurance situation though. I work for an extremely small company that does not offer COBRA insurance. I know this because one girl who quit not long along wanted it but it wasn't offered. I am single and live on my own and must be able to keep afloat. I, luckily, have the option of moving back in with my parents. That would help (although I would absolutely hate to do it, but may have no choice). I hate to burden them with my problems, so having people like you all to talk to helps so much!! Thanks again.

 
Old 06-04-2004, 12:16 PM   #3
Senior Member
 
Join Date: Apr 2004
Location: Fond du Lac, WI
Posts: 250
typingterror HB User
Re: Health Insurance

I took COBRA from my last job for 18 months. However, when I tried to get my own insurance I was uninsurable except for insurance companies where rates were what no human being could afford. I am widow of deceased military man. I was fortunate in this respect or I would be up the creek. However, this is not a military town. I had to hire a driver to take me to city where military base was present to get a new ID card so I have health insurance this way or I would be uninsured. At first pharmacy told me they would not accept my ID card as it would not pay for prescriptions, but since then all my prescriptions have been covered 100%. I also was able to become semi-retired and draw on his social security which is another blessing. I am now working part-time and can only make a small monthly salary. (TT)

 
Closed Thread

Similar Threads
Thread Thread Starter Board Replies Last Post
In between jobs, no health insurance for 2 weeks? Belly Kelly Health Insurance Issues 10 12-11-2009 03:41 PM
My Pre-Surgery Message/No Health Insurance Message xtattooX Cancer: Cervical & Ovarian 2 04-21-2008 10:43 PM
Health Insurance Question jbagain97 Health Insurance Issues 3 01-04-2008 11:16 AM
Health insurance?? huh?? cantell Fibromyalgia 2 09-19-2007 06:52 AM
Health Insurance Vixen72 HIV Prevention 2 03-01-2007 06:18 PM




Thread Tools

Posting Rules
You may not post new threads
You may not post replies
You may not post attachments
You may not edit your posts

BB code is On
Smilies are On
[IMG] code is Off
HTML code is Off
Trackbacks are Off
Pingbacks are Off
Refbacks are Off




Sign Up Today!

Ask our community of thousands of members your health questions, and learn from others experiences. Join the conversation!

I want my free account

All times are GMT -7. The time now is 12:00 AM.



Site owned and operated by HealthBoards.comô
Terms of Use © 1998-2014 HealthBoards.comô All rights reserved.
Do not copy or redistribute in any form!