Re: I got denied. Now what?
They cannot deny you if you had coverage in the past 6 months...did you? If you did, you need to contact whomever you had coverage with and ask them to contact whomever you are trying to get coverage with....
If they DO deny you, they cannot deny you for anything NON RELATED TO MS. Meaning, you should be covered for an emergency or accident, but they do not have to cover your MS related issues for the first year. After the first year, they cant deny you at all. And, they can charge you out the ying yang for that first year.
Now as far as MS help....Most MS drug companies offer help for underinsured or un-insured....they charge you as little as 50$ a month for the first year to get MS drugs....all the regular drug companies have programs to help you if you have no prescription coverage. You just have to research this further. also the MS society can help you with MRIs for awhile....start reaseraching your options...there is help out there!
And no, disability isnt for everyone! I agree with you. I have lousy days too, but I also work 50+ hours a week and go to school fulltime. Im not ready to take disability and will refuse to consider it until I need to....for those who need it, Im glad its available, but if you can still work, then consider putting your efforts into finding a job which will give you coverage, even if it means no MS coverage the first year.
RRMS- dx 05