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Getting medication without insurance and being denied disability.
Sun, 07/27/2008 - 16:41I have an 18 year old son and when he turns 19 he will be dropped from my medical insurance automatically. He has to be a full time student to continue to be on my family insurance plan. I don't see this happening before his birthday. His medication is approximately $1,000. per month and his dad and I cannot afford to pay that kind of money. We have applied for disability twice, first time without an attorney and the second time with an attorney. He was denied both time. Does anyone have any advice out there for us? It would be greatly appreciated?!!! Thank you, Ruby Aemisegger
Comments
Re: Medication w/o insurance and denied disability.
Submitted by ahardway on Mon, 2008-07-28 - 01:07
Hi. I am currently 26 years old and was automatically taken off my mother's health insurance when I was 25. I would have been dropped after I graduated HS, but with my mother's insurance, as long as I was under 25 and I was still a full time college student and not married I was able to be on her insurance. Unfortionatley, I did not start having seizures until I was 24, after I had taken a year off from school and no longer had insurance. For about a year I had to pay for my own meds, and ER visits. It was not until I had my 2nd or 3rd seizure that I was able to get an insurance plan through Medicaid. It is an actual insurance plan in which I pay a monthly premium every month which is based on my income. I am currently paying $31.50 a month which covers everything that has to do with my seizure disorder: doctor visits, meds, hospital bills, and all tests and surgeries. It is not like disability, where I get a check every month, it is an actual insurance plan, which is extremely affordable. The only thing I have to pay for are my medications and I never pay more than $3.00 for anyone of them, which comes to about $12 total a month. I do not know how long your son has has sezures, but I don't see how he would not be able to get some type of finantial help. Like your son, I have been trying to get Social Security so that I can have some type of supplemental income for when I have to miss work due to my illness. I was denied as well twice, w/o a lawyer and have been told that I should try to get one. I may be having Temporal Lobe Surgery and will have to miss work as a result, and therefore, I am going to try again. Several people have told me that when it comes to getting disability it is very common to be denied benefits a few times B4 you are considered. Like the previous post says, check with yourstate and local hospitals, as to what type of finantial help isa available. I am sure you can find something. In fact, before I got my Medicaid, most of the hospitals I went to offered a charity benefit for individuals w/o insurance pay for thier hospital bills. However, this only covered my ER visits and other things that the hospital charged. This did not include meds or private doctors.
Just keep looking and you will find something.
Hi. I am currently 26 years old and was automatically taken off my mother's health insurance when I was 25. I would have been dropped after I graduated HS, but with my mother's insurance, as long as I was under 25 and I was still a full time college student and not married I was able to be on her insurance. Unfortionatley, I did not start having seizures until I was 24, after I had taken a year off from school and no longer had insurance. For about a year I had to pay for my own meds, and ER visits. It was not until I had my 2nd or 3rd seizure that I was able to get an insurance plan through Medicaid. It is an actual insurance plan in which I pay a monthly premium every month which is based on my income. I am currently paying $31.50 a month which covers everything that has to do with my seizure disorder: doctor visits, meds, hospital bills, and all tests and surgeries. It is not like disability, where I get a check every month, it is an actual insurance plan, which is extremely affordable. The only thing I have to pay for are my medications and I never pay more than $3.00 for anyone of them, which comes to about $12 total a month. I do not know how long your son has has sezures, but I don't see how he would not be able to get some type of finantial help. Like your son, I have been trying to get Social Security so that I can have some type of supplemental income for when I have to miss work due to my illness. I was denied as well twice, w/o a lawyer and have been told that I should try to get one. I may be having Temporal Lobe Surgery and will have to miss work as a result, and therefore, I am going to try again. Several people have told me that when it comes to getting disability it is very common to be denied benefits a few times B4 you are considered. Like the previous post says, check with yourstate and local hospitals, as to what type of finantial help isa available. I am sure you can find something. In fact, before I got my Medicaid, most of the hospitals I went to offered a charity benefit for individuals w/o insurance pay for thier hospital bills. However, this only covered my ER visits and other things that the hospital charged. This did not include meds or private doctors.
Just keep looking and you will find something.
Re: Getting medication without insurance and being denied disabi
Submitted by uberzwitter on Mon, 2008-07-28 - 13:26
Can I ask what state you are in? I am in Chicago. I go to Cook County. It is not the best option in the world by any means but I get my medication, Topamax, for free. Seeing how I live alone and have a job that I miss frequently from sz's, no health insurance, or anything else to my name, this works out well for me. All I have to prove is that I'm below poverty level (which is unfort. way to easy to do for me). Im 23, starting going when I was 20. Although I have found though a friend a health insurance plan that will take patients with epilepsy at less than $300 or so a month and it covers docs, meds, and ER visits! I don't know the details yet but that might be a possibility. I'll have to post info. on it when I know more.
Can I ask what state you are in? I am in Chicago. I go to Cook County. It is not the best option in the world by any means but I get my medication, Topamax, for free. Seeing how I live alone and have a job that I miss frequently from sz's, no health insurance, or anything else to my name, this works out well for me. All I have to prove is that I'm below poverty level (which is unfort. way to easy to do for me). Im 23, starting going when I was 20. Although I have found though a friend a health insurance plan that will take patients with epilepsy at less than $300 or so a month and it covers docs, meds, and ER visits! I don't know the details yet but that might be a possibility. I'll have to post info. on it when I know more.
Re:
Submitted by Diane123 on Sun, 2008-07-27 - 22:11
First I would check the laws in your state. Many states have increased the age limit to 24 even if the child is not in school. Also check the uninsurable insurance pool in your state, but this is also pretty expensive. My son will be 18 soon and I don't know what I will do if he doesn't qualify as his meds are even more expensive. Best wishes I hope you will find help.
First I would check the laws in your state. Many states have increased the age limit to 24 even if the child is not in school. Also check the uninsurable insurance pool in your state, but this is also pretty expensive. My son will be 18 soon and I don't know what I will do if he doesn't qualify as his meds are even more expensive. Best wishes I hope you will find help.