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Insurance in Florida?

AnonymousUserAAnonymousUser Posts: 49,671
edited 06/11/2012 - 8:27 AM in Health Insurance Issues
DDD=Insurance woes for me....
Being a single white female in the state of Florida, I am ineligible for medicaid(even though most specialists don't accept it anyways),and I've been fighting for my SSI/SSD for two years this April. I have DDD. I'm 28. It all started in March of '06 with right leg pain. I thought it was a pulled muscle at first, but as time went on, I realized that I was dealing with something bigger. I finally found a program(once my first disc popped and I could barely walk) to help pay for my surgery(ies). Voc Rehab.
Voc Rehab sent me to an ortho, who sent me to my first MRI. We all know whats coming now...L5-S1(when doc pulled the herniated fragment out, he said it was as big as his thumb, the largest hes ever seen). He had also sent me for MRIs on my neck and brain due to my loss of balance, weird reflexes, running into walls, dropping things, my handwriting getting sloppier by the minute, etc. He found another herniation C5-C6, which was causing myelopathy. So, he decided to take that one as well, said it was again as big as his thumb.
The lumbar surgery was August 1, 2007 followed by the cervical discectomy(anterior, screws, metal plate, all that good stuff) on November 5, 2007. I never got any relief from the pain in my back and neck, but the sciatica did subside....for awhile. At first, I thought it was just post surgery pain. As the months ticked on, I realized that my pain levels were increasing dramatically, but seeing as I had no insurance, I couldn't rush to a general practitioner, let alone a specialist. I haven't worked in 2 years...
So. I went to clinics, pay scale places. They offered me nothing but refferals and naproxen. What a joke, seeing as I couldn't PAY to go to where they referred me. Finally, after not seeing anyone for almost a year, I found a doctor that would right low dose narcotic(percoset 10/325) prescriptions and the prescriptions for CTs(the hospital hardshipped me and let me slide on paying). Dr. Barota, who is EXCELLENT by the way,went over the CTs. And he started counting. And counting. He counted to 6...6 more herniations since I had my last set of MRIs almost a year ago to the day. He wanted to send me to the ortho team at USF in Tampa, and after months of his office trying to get me in SOMEHOW, they ultimately declined to see me due to the fact of...NO INSURANCE! My boyfriend, whos been with me throughout the whold ordeal, finally got sick of watching me in pain(hes disabled, on VA and disability) agreed to put the visit to the pain clinic, SWFL Pain Center in Pt. Charlotte, FL(I live in Arcadia) on a credit card. The basic starting fee for the first appointment is $253.00. Then theres the prescriptions. My 180 percoset 10/325s were running me roughly $200 a month, but the percoset doesn't really cut it anymore. I end up taking two at a time, and that barely takes the edge off(I've been on Norco, Dillaudid, Demoral, Fentanyl Patches amongst other things). I like the oxycodone, but I'm guessing boyfriend won't be too happy with the credit card bill if he puts me on 20's or 30's. I've tried to find insurance, and I refuse to go with a company that isn't a major company. Its just too sketchy. I've called BC/BS and United, but seeing as I have DDD and bipolar, they don't want to deal with me. To make a long story...well, I guess it's already long,lol....Anyway, Does anyone know of any Florida state plans or Federal plans, or any private GOOD insurance groups that wont charge me an arm and a leg deductible, a huge copay for specialists, or a have a low lifetime or year maximum? I'm already investigating CoverFlorida, but I won't be able to get much more info on that till March....and March is a couple grand away......
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