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Old 02-16-2007, 10:56 AM   #1
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trucky HB User
how to hang in there till insurance

PLEASE I need your ideas!! I live alone and have no insurance till January 2008--I have SSDI for MS and my COBRA ran out and there's a 2-year waiting period for Medicare to kick in (Federal Law) for SSDI recipients.

I also have Cervical and thoracic osteoarthritis. For the last 4-6 years I have had facial numbness, left eyebrow and eye twitching and weak, left neck and mid back pain, numbness and weakness--these are episodes--that make me lean to the left. Before my MS dx and spinal MRIs last year (while still on COBRA), no one knew what the heck it was. The ortho doc said there were no MS lesions and I should see a neuro surgeon.

Can't see any specialists till January 2008. I do have special limited med coverage that enables me to see a GP and go to PT, but many days I have to cancel cause I'm too weak. I need your ideas on SOLUTIONs--meds, supplements, etc etc. that will work for me till next year when I can see neuros and orthos for this under Medicare. PLEASE HELP-- These episodes prevent me from getting around and especially being able to drive. No ins. coverage for any help out here in the boonies. THANKS!!!

 
Old 02-16-2007, 11:54 AM   #2
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moonchaser HB User
Re: how to hang in there till insurance

I'm so sorry to hear you're in a bind. I understand - I've been going crazy myself trying to calculate "creditable coverage" amounts as I switch from one insurance company to another. Medical bills are outrageous, and a stress none of us need.

Since you had COBRA insurance before, you are probably use to paying a fairly high premium each month for your insurance. I would suggest you try to purchase a policy on your own. Good luck to you!

Last edited by moderator2; 02-16-2007 at 12:08 PM. Reason: posted commercial website

 
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Old 02-17-2007, 12:24 AM   #3
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bstinch HB User
Re: how to hang in there till insurance

hi trucky...prayers with you for your search. i too had no insurance. mine was during acdf. after surgery three months ago, i have filed with ssa and ssi ; nothing as of yet. you might be able to get on with pt by contacting places directly. the larger the facility or practice, the more chance there is to have donated visits. i have had 48 outpatient visits comped....i am in texas, notoriously known for weaker insurance practices and policies...god bless you and stay positive; it will aid in your health...bryan

 
Old 02-21-2007, 04:39 PM   #4
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trucky HB User
Re: how to hang in there till insurance

Thanks--There are zero carriers in TX who take MS patients. And no publicly funded anything except these basic clinics. I was not used to paying the COBRA premiums: after being neurologically tested as unable to participate in vocational rehab, I had to live on savings and 1/2 my retirement waiting for TX to decide on my 2nd appeal for SSDI. The rest of my retirement is in an annuity I can't access till I'm 66. There is n-o-t-h-i-n-g else available. No family, no community volunteer support (not until I'm 60, next year), no nothing. Texas doesn't want to help, period.

 
Old 02-22-2007, 12:45 PM   #5
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icejohnb HB User
Re: how to hang in there till insurance

Hello Trucky,
I had many problems while being primary Caregiver for my parents. My solution was to call every elected State and Federal official, including the Govenor. The Govenors people got to know me very well. I was even given the staffs dedicated phone number. I talked with all of them weekly. I never took no for an answer.
Then I started emailing them. I was on the phone or in front of the computer 3-4 days a week for 3 months. Get there names, and use them when communicating. It makes them feel important!
The imaginary "list" that everyone in government talks about. Really goes away when you become a pain in their ***. The imaginary list that my parents where on went from 8 months to 8 weeks.
I continued to call even after I began to get the state care that my parents paid into all their lives!
While talking to the government they often talk about "faith based services". I told them that if these services were so plentiful. The government agencies should contact them for me.
I put the burden on them!
It was very hard to drag myself outta bed. Knowing I had to Care for the parents, then get on the phone for hours! I did it however.
Another point. If you see progress call the agency responsible and thank your contact. It makes them feel important.
NEVER LET THEM FORGET THEY WORK FOR YOU! YOU PAY THEIR SALARY!
I wish you good luck.
Ice

 
Old 02-25-2007, 03:20 PM   #6
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trucky HB User
Re: how to hang in there till insurance

Wow--You're doin' it, all right! I tried 60+ agencies, including state rep (never called back) and Faith in Action has a 65 yr old minimum, and Area Council on Aging has 60 yr old minimum. When I keep calling them back, they say they'll get in trouble if they violate the terms of the grant.

Out here on the county system, the counties are too macho-stubborn-backward to tie into an urban area and thereby increase their funding. Let me know what else I can do, and thanks for your prayers. T

I'm not completely in charge: I don't have to be.

 
Old 02-26-2007, 11:33 AM   #7
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icejohnb HB User
Re: how to hang in there till insurance

Trucky,
Do not stop calling! Call your federally elected officials in Washington! I got the same run-around. I realize that Texas like Florida is just a tad in the 19th century. They throw every obstacle in your way! You have to be more tenacious than they are. Its your tax dollar and your in a bind!
Call the Govenors office daily! I started out calling 3 times a day!. They really started moving when I contacted the 2 Florida Senators at their Washington offices, and their local offices. The same with the members of the House. Call, email, they will eventually have to take your calls!
Its tough like I said. Tougher than it should be!
Regards,
Ice

 
Old 02-26-2007, 07:05 PM   #8
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julyg HB Userjulyg HB User
Re: how to hang in there till insurance

Many states have a program when Cobra expires they step in....call your state insurance commissioner and see if this program exists for you.. I know I was in this bind and if I hadn't been reading the paper that day I would have never know.

 
Old 03-19-2007, 01:33 PM   #9
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trucky HB User
Lightbulb Re: how to hang in there till insurance

The state "risk pool" that you're referring to is $8,000 per year deductible and $700 per month premium. I get $1048 per month in SSDI. I barely made it to the store to nget food today. No energy to call anymore. I need more ideas that I haven't tried already. Thanks, please keep helping me!

 
Old 04-02-2007, 02:28 AM   #10
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captnanny HB User
Re: how to hang in there till insurance

hey,
I don't know if this is too late but check your blue cross blue shield web page/ I was in the same predicament, after cobra, no insurance but blbs has federal grant program for those who were on cobra and have been refused other insurances, I pay a high price, but my out of pocket expenses are not that bad.

 
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