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need advice! Insurance running out/can't work..

JWMJJWM Posts: 291
edited 06/11/2012 - 7:20 AM in Health Insurance Issues
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!




  • As far as paying your current bill, you could try to apply for a CareCredit credit card - it is for medical purposes only and is interest free, terms are dependant on credit history, etc. I do believe that they ask for employment/salary info, though. Maybe a family member could help you get the card (cosigner?). Be aware, though, that if you miss a payment, you default on the interest-free terms. I used one for the large chunk of money I spent at the chiropractor, really exited that I only have $200 or so left, but I would have had to use my regular credit card and paid interest otherwise, so it worked out for me.

    As far as trying to get yourself medical care/coverage, I really think you should be able to qualify for Medicaid - why is it that you don't, if you don't mind my asking? It is for low income people. It sure is a shame that our government allows all these people that don't really deserve to get aid and disqualifies those that do really need assitance.

    Good luck! As far as prescription assistance goes, look into the Walgreens Prescription Savings Club. It is far more inclusive than the other pharmacies 4.00 programs. Check it out online and see if anything you take is included. There are far more drugs that are discounted than are on the small list of 12.00/90 supply "loss leaders." Some brands are even included.

    I hope you get something figured out soon!
  • Thanks for the reply; as for the Medicaid/cal, I applied before but being low income isn't enough, you have to be perm disabled or one a few other things, of which I am not. (or 65 years old). Like you said, it's a shame who gets medical coverage for free/cheap, and who doesn't. I've been using AAA for my Prescription discounts, it's actually a huge discount! My mscontin, for example, 30mg X 90 pills, goes from 270 bucks down to about 50 bucks with the AAA discount. It's no 5 dollar co-pay, but it's not bad either. Simpler stuff like soma is about 15 bucks. I'll check out the Walgreens club and compare prices. I have a friend who needed a disc replacement, and although it's not 'right', he signed up for insurance with Aetna or something saying he was in tip top shape, and then 4 months later they approved a top surgeon for a 150K replacement! It's kind of against my ethics but I don't know how else to get help...

    Mostly, I'm just deathly afraid of getting turned away by my PM in 2 weeks with a months supply of meds (the 'goodbye refill') and nowhere to go... If I can find enough cash it will work out, and if not, well, my number on the pain scale is gonna go waayyyy up =( Thanks RosettaStone
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  • is there anywhere close enough for you to get to? Medical Universities will do surgeries according to your income and sometimes for free. They stay on the cutting edge of technology and actually teach students during your surgery/care. The teacher is the one that does the surgery and are highly skilled and qualified. If you are close enough to one you can probably even go there for pain management. Good luck and please keep us posted.
  • Here to try and get my surgery done...I'm unemployed, and I feel you, it's hard to try and keep employment with the constant doctor appointments, etc...I just lost my last job because "I always had something going on"! Okay, sorry, wasn't trying to hijack the thread...

    Be careful with Wal-Mart and Target prescriptions, those $4 programs DO NOT cover controlled substances, at least not down here...

    I use a local pharmacy and the pharmacist gives me really good prices, under $100 for a bottle of 90 percocet...I'm applying for medicaid/medicare as we speak, but no results yet! Of course, my meds are over $1000.00 per month with no insurance...But he'll cut down the prices because he knows I have no insurance! He's a great guy, and not the only local pharm I've used to fill scripts and BOTH have cut down my costs because I have no insurance.

    But the Univeristy Medical system in your area is a great idea for surgery, most have FANTASTIC doctors and will do the surgery for a far smaller cost if nothing, and may have doctors that you can see...Good luck hon, I really do feel for you more than you realize!!
  • Check out the Help! Needymeds thread. It sounds like it may be able to help you out.
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  • Have you tried Needymeds.com they will help you with prescriptions when you do not have insurance..check it out..my daughter gets her meds from there...brownc61
  • Thank you everyone for your help and suggestions. Paul, got your messages, thank you. I'm checking needymeds right now, never heard of it before; that would be a life saver, in a most literal sense. Thanks!
  • Man I'm having a hard time finding any of my pain meds on needymeds or rxoutreach.. Generic or name brand.. Everything else is on there, well, actually the ones that are all on there all only cost me about $15 each a month on average anyhow; it's the more expensive narcotics that seem to be missing from the list.. =( I'm not sure if I can talk my doctor into writing me 90 days at a time for my meds either! *sigh* (frustrated)
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