At the beginning of this year my husband’s health insurance company decided to drop me from the plan. Of course they won’t day the exact reason but a few months prior; I had to do several over the phone interviews where they asked very in-depth questions relating to my diagnosis (Lupus). I feel the reason they dropped me is because my treatments and medications are extremely costly. A few months later they dropped me from the program, therefore leaving me with no health insurance with a disease that requires me to have a plethora of meds and treatments to keep me alive.
I wasn’t fortunate enough to have the financial stability to pay in cash for medicines, doctors and treatments. In fact, at the end of last year I was forced out of a job I have had for 13 years by the new president of the companies HR department. While I was contemplating suing the company over this, I decided not to and let Karma takes its course. I did however, apply for social security disability and that in itself is a whole page on what’s happening there.
The dilemma is mainly how to pay for the medications on a regular basis and how to pay for my regular Dr. appointments. Those two things are critical in managing my Lupus. With absolutely no income on my part the research I did came up with options that fit my situation.
What I found is this:
How to get medical insurance
Having Lupus just about disqualifies you for being able to obtain privately paid medical insurance. There might be some insurance somewhere if you can afford it but because this is a pre-existing condition I am uninsurable. Most states have plans that you can utilize that works within your budget according to whatever income you have.
How to pay for Dr. appointments
It’s a fact that when you go to a Dr. they have difference charges for office visits that they charge our insurance. Some Dr.’s give you cash discounts if you pay in cash. Try asking your Dr. if they will give you a cash discount or if you can make payments
How to pay for Medicines
Most pharmaceutical companies have programs that you can apply for to get your medicines. There are also organizations out there that you can get assistance from as well. Below, you will find some of those web sites with information on pharmaceutical assistance
I hope some of this information is helpful. If anyone has any further information to add to this page, please feel free to contact me.
Aloha
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