Re: what to do if I need surgery and have no insurance
Hello KallieY, my name is Amber.
I've been through almost the exact same circumstance only I dont have a husband. I have a very supporting father who's been trying his hardest to help my while raising my 4 little brothers by himself.
I'm not sure if this information will help you where you are since I live and had my surgery and procedures all done in North Carolina. But I hope to God it will because I know just how stressful and terrifying the situation is.
I was denied by what is called medicaid down here for the exact same reasons you were.
First, eaither go to the ER or schedule and appointment with a DR. normally you cant see a urologist until referred. The good thing though about ER visits is that they can NOT turn you down, it's illegal if they do and there is no upfront costs like most DR visits. And later, when the bill comes in, if needed you can go to the billing center and explain and show proof of you financial hardship and they normally waive the bill, most of it if not entirely. But you need to focus on getting yourself better. If what you do need is to see a urologist or anyone else that they refer you to then please do that. This advice should work for you whether or not its a urological problem.
Try this, talk to your Urologist (if you currently have one) explain the situation, trusted ones normally have a discount program for people in our situation and are very willing to help. Mine helped me tremendously. $100 got me through 3 visits before the surgery. They will also be able to inform about any Vocational Rehab offices in your area. This is very important that you ask about this as VOCATION REHAB paid for EVERYTHING for my surgery. THey paid the hospital, the surgeons, the anesteoligists, the nurses, the 4 day stay. EVERYTHING. They are even paying for my 3 post op appointments.
ALSO, ask which ever hospital you will be having your procedures done at for an application for Charity Care. Most public hospitals (I never even knew hospitals could be private, but apparently they can.) offer Charity care.
Just be sure that you get all this done ASAP.
So to recap:
Talk to Urologist about payment options and financial situation.
Find a Vocational Rehab office or similar for your area.
Apply for every possibly Charity Care available in your hospital and area.
Please take care!
If you have any further questions, please feel free to ask me. I hope I helped you at least a little bit.
I was finally lucky enough that after what felt like a long road of failings, pain and hardship, constantly hearing "No, we can't help you." that I had finally found a group of angels who were willing to take the time to tell me what I needed to do to help myself and point me towards some true compassionate people who had to be a god send.
PS. I was diagnosed with a birth defect that was discovered in november of 2009. I had had several ER and Dr.'s visits since age 10 due to severe abdominal pain but they kept telling my dad that I was only seeking attention. It took my second time have 1/2 glass of wine and an ER visit in raleigh for them to actually run some real tests (a simple CT scan) to find out that I had a narrowed ureter from my left Kindey to my bladder and my referred Urologist in 2010 took notice that I had practically no function left in that kidney because of long term damage and had an open nephrectomy (kidney removal) on 9/21/10 (Still recovering) because that was the safer choice.
The only reason it took nearly a year is because I spent 3 months away in CA for personal reasons and tried to ignore the constant pain and scary diagnosis because of my financial hardship. But another ER visit in 2010 gave me that wake up call I needed.
Last edited by wickedaj87; 10-01-2010 at 03:45 AM.
Reason: explain situation