Hi, I'm hoping someone can give me some advice or ideas.
I'm 28, and have been treated for chronic pain for about 2 years now, and was on disability for a year, one year ago. I have been trying to work, but can't hold down a job. I need surgery, but my insurance is a sort of 'band-aid' insurance, with a $10,000 annual limit! Total! It's meant to cover me till I get 'hired' off of a contract (I do IT work) but it hasn't happened. So I guess my questions are..
I don't qualify for medical or free medical care, that I know of, and I have searched many, many times. Are there any plans or programs that might be able to help me that maybe I don't know about?
Should I consider Long Term Disability?/Perm? Social Security?
I owe my PM about $2,000, and have my next appointment in 2 weeks. My insurance is no longer paying him and I am afraid of losing my pain management, and then REALLY not being able to get a job. I just found out they haven't been paying him for my visits, which is what prompted this post..
I know I'm not the only one in a difficult situation, I hope someone can help.. Unfortunately I don't have wealthy family or this would all be a non-issue!