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Suddenly Without Health Insurance


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12 replies to this topic

#1 barefut

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Posted 07 July 2007 - 12:35 PM

Got the mail today and found a letter dated July 5th from estranged hubby's employer stating that if we do not elect to continue health care coverage by completing enclosed form, our coverage will end June 30th, 2007 due to end of employment.

So many things wrong with this I don't know where to begin. Maybe I'll start with hubby's end of employment. Quit? Fired? I don't know....hope he has some kind of income!

Then how about those dates? Why am I receiveing a letter dated July 5th telling me my coverage will end June 30th if I don't fill out COBRA forms? To stay on with COBRA it'll cost us $800/mo. (hard to pay without an income.)

I just refilled my Cellcept June 28th. Hope I can get things squared away before I need it refilled again but I doubt it. It will most likely take months to get approved for Roche's patient assistance program. Until then I can expect to pay close to $800/mo just for the Cellcept alone.

NOT looking forward to the rest of the summer trying to keep head above water!

AGH!

#2 nan

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Posted 07 July 2007 - 01:42 PM

Barefut,
That stinks!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! I am so sorry. I hope you can get things worked out. I send good vibes your way.
Nan

#3 Sweet

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Posted 07 July 2007 - 05:04 PM

Ok, now I know what you need to do with that cane!!! Smack someone with it. :blink:

###### I am so sorry about this. Get right on the medication assistance, it really doesn't take as long as you'd think.
Warm and gentle hugs,

Pamela
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International Scleroderma Network (ISN)

#4 Rachelle

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Posted 07 July 2007 - 06:07 PM

I hope something works out for you. Our health insurance system is not fair. Good thoughts your way!

#5 janey

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Posted 07 July 2007 - 06:16 PM

Barefut,
I hope you plan to follow up with this very quickly letting the sender know that you just received the notice and that you were totally unaware of the "unemployment" situation. surely, there's something you can do , at least so you can get the COBRA forms filled out. What a bummer!

I certainly hope things work out for you very quickly.

Big Hugs,
Janey Willis
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#6 ShawMJ

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Posted 07 July 2007 - 08:24 PM

Barefut have you heard of PPA on tv its a good place to start you maybe can get some of your drugs free if you qualify.Its worth looking into.I hate that happened to you! Take care and good luck to you in this.Mary-La.

#7 kelowna52

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Posted 08 July 2007 - 04:40 AM

Hi Barefut, that stinks!!, like the others said you should be able to qualify for assistance with your meds. Good luck to you, that is a real blow. Take care.

Jackie S.

#8 scleroguy

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Posted 08 July 2007 - 04:44 AM

Hi barefut,

Please read your letter carefully. According to the Department of Labor:

"What process must individuals follow to elect COBRA continuation coverage?
Employers must notify plan administrators of a qualifying event within 30 days after an employee's death, termination, reduced hours of employment or entitlement to Medicare.

A qualified beneficiary must notify the plan administrator of a qualifying event within 60 days after divorce or legal separation or a child's ceasing to be covered as a dependent under plan rules.

Plan participants and beneficiaries generally must be sent an election notice not later than 14 days after the plan administrator receives notice that a qualifying event has occurred. The individual then has 60 days to decide whether to elect COBRA continuation coverage. The person has 45 days after electing coverage to pay the initial premium. "

You can get more info on COBRA at the U.S. Department of Labor website:
http://www.dol.gov/d...plans/cobra.htm

Best wishes.
Ron

Updated 8/10/07: Mixed Connective Tissue Disease (dx 03/2002). Diffuse Scleroderma, Dermatomyositis.

#9 TJ903

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Posted 08 July 2007 - 07:31 AM

So sorry to hear about your situation, been there?! Don't have prescription coverage either. Strong thoughts are with you.... let us know how you are doing.
Wish there was something to be done. TJ

#10 jefa

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Posted 08 July 2007 - 10:43 PM

Hi, Barefut. Sorry to hear about your escalating problems. You must be very frustrated. Sorry I am unable to give you any practical advice on a solution, but looks like other people are offering you some. I do send hugs, however.

There is a note to you from Elehos in another thread in case you haven't seen it.
Warm wishes,
Jefa

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#11 Jordan's Mommy

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Posted 09 July 2007 - 05:43 AM

Hi,

I'm not sure where you live, and what part of the divorce process you are in (if any), but I do know that some divorce decrees require a spouse to continue paying for medical insurance for the other spouse for a set amount of time. If you are in the US, you might also want to look into getting some advice from the Legal Aid Society which helps people who ordinarily might not be able to afford proper legal advice. Maybe your ex needs a wake up call on some legal letterhead! You might also want to explore getting emergency room only coverage, or possibly looking into insurance for people with limited or no income that is offered by the state. I think you have children who can qualify for low cost insurance as well.

Take care,

Jennifer

#12 barefut

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Posted 11 July 2007 - 02:27 AM

Thank you all once again for your concern and advice.

Hubby agreed to keep me only on the COBRA. Premiums will be $340/mo. He has had a side job that he will now be able to go full time into but the pay is sporadic.

I have 18 months to figure out what to do about health insurance when my COBRA ends. Washington has an affordable Basic Health program but not a lot of doctors take that insurance. I think that's wrong. Low income people should be able get affordable health insurance AND keep or choose the doctors they want especially when you have a disease like scleroderma and you need specialists.

I'll bet you my doctors don't accept WA Basic Health and I'll bet you the coverage is poor compard to what I get now and THAT 'aint great (at least not Rx - wise) I also worry that I won't qualify or be accepted with a pre existing condition. All stuff I need to research. I hate research.

These new developments in my life are a catalyst for me to kick it into high gear and finish my requirements to become licensed for daycare as well as get out those do-it-yourself divorce papers again.

Thank you all for your good thoughts I sure need them! I can feel you pulling for me and that means a lot. I think about you guys and re read your replies when I am feeling scared.

Hope I can be the same support to you.

Sincerely,
Barefut

#13 Sweet

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Posted 11 July 2007 - 05:26 AM

Hi Barefut,

I am so glad to see you post, I've been thinking about you. Good news about the COBRA.

Many many doctors take basic health plan. The whole concept of the working poor and the effects on health is what I did my thesis on. It is close to my heart. The clinic I used to run was for the migrant workers and those unable to afford health care.

There are clinic out there called "Community Health Centers" that are there for people without insurance. The fee is based on a sliding scale according to your income. No income? then most only pay $10 per visit and you could make $1 payments per month if needed. I forget where you are located, but I would be happy to find such a clinic for you. It is those types of clinics that I consult with in my business currently.

There are several state funded health plans you could get at a very very low monthly premium. There is CHPW "Community Health Plan of Washington" "Molina" "Group Health" etc. They're a "managed care" type of program, although some services are "fee for service." I realize this is probably Greek to you, but I could help you. So how it works is you'd be assigned to a clinic and you'd be allowed to see anyone doctor in that clinic, they would be known as your primary care physician "Primary Health care Provider". Then to see your rheumatologist, dermatologist doctor, lung specialist etc, the primary care physician would write a referral and off you'd go to your specialist. This concept is widely known in the medical field and you'd probably find out that most of your doctors accept this plan and you'd be able to stick with the same specialists.

Let me know if you'd like my help.
Warm and gentle hugs,

Pamela
ISN Support Specialist
International Scleroderma Network (ISN)