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So insurance is gone

Feb 02, 2016 7:57 PM

My job finally terminated so my insurance is fine. My disability is still canceled, trying to find a lawyer. But with no insurance and no money coming in, I have to go off of my meds. I'm on hydrocodone 7.5 325 four times a day, duloxetine (Cymbalta) 120 mgs, buspirone, Trazedone, robaxin, ibuprofen 800..... I'm still in almost unbearable pain ON these. I don't know how I'm going to survive. No docs and back to over the counter Advil and sleeping pills.... I'm never going to get out of this abyss.

Feb 02, 2016 8:01 PM

I have gone to several pharmaceutical companies and I'm getting some of my meds free from them I can give u the info to call if u want it

Feb 02, 2016 8:27 PM

Yes please that would be awesome!!

Feb 02, 2016 8:32 PM

Needy meds 1800-503-6897
Pa foundation
This one says u have have certain diagnosis to qualify for the meds. But u coukd call and ask
I hope these help.if I get more info or numbers I'll let u know.

Feb 02, 2016 8:33 PM

Also. Maybe unless they r all narcotics ask your Dr for samples he or she may have a way to get u meds too. I've tried it and I am getting sample for some of my meds.

Feb 02, 2016 8:37 PM

Thank you so so so much. It's a bit of hope to hang on to.

Feb 02, 2016 8:40 PM

I understand I was the same.and it is a hard place to be. But in time ull find there is help. Since ur company just terminated u can call the marketplace.. They have very good plans in fact u may could get your same plan back. I've nkt worked in over a year I've lost a lot but somehow everything works out. U may have to make some adjustments but your gonna be OK..I promise

Feb 02, 2016 9:03 PM

If you are no longer working, you should becable to qualify for free health insurance through your state. Also check out unemployment.

Feb 02, 2016 10:13 PM

Marketplace plans are too expensive and I guess I have to qualify for medicaid. Waiting for social services to get back to me with am appointment date for snap and ebt etc.... hopefully very soon. At least because I'm broke I qualify for an exemption from the penalty for not having insurance. Nice of them not to charge me money for something I don't have money to afford.... Idiocracy

Feb 02, 2016 10:16 PM

Well since ur job choice to let u know u coukd qualify for a discount. Have u already called the marketplace? I mean I know this yr my price went up so I know the money is off the charts. And does ur insurance have a grace period? Is so I would get all prescriptions and appointments I could done within that time. Normally its like 30 days.. I'm not sure what your situation is but I do understand the fear. It's hard to be in the place of not knowing. But your gonna get all help u need.

Feb 02, 2016 10:25 PM

Just pray (unless you have millionaire friends and if that's the case, play up what an awesome person I am and that donating a million to me would guarantee my awesomeness could continue lol). Hugs

Feb 02, 2016 10:52 PM

Contact all local churches, Red Cross, United Way look up your city government numbers and call about "emergency help with medical problems" (here we call 311), contact medicaid, unemployment, I would still check with the Healthcare marketplace because they may be able to find you funding assistance. Talk to your Pharmacist because he/she will know about low cost clinics also they should be willing to help work with you on the price you pay for your meds. I find the latter is better when dealing with a smaller pharmacy. Go to the app store for your phone and download 'Good RX' the app is free most drugs are greatly discounted with this card- kind of like when you had insurance. Verify with pharmacy before you turn in your prescriptions. If you still have any insurance at all go to ALL of your doctor's before you lose coverage tell them what happened and they may be able to write you longer scripts for medications that are not controlled substances.Tell everyone you possibly can, people talk.That's every idea I could come up with.

Feb 02, 2016 10:54 PM

All very good ideas lmb.. I agree totally.. Here we have 211 and they are very useful

Feb 02, 2016 10:59 PM

Unfortunately I know all that because I have had it happen to friends of mine that were having health issues. What state are you in? I may have some more info but it is state specific.

Feb 02, 2016 11:03 PM

I live in VA. Did the marketplace. I don't qualify for Medicaid straight off because VA is an asshole state and they haven't expanded their benefits, so I guess I have to show that I'm completely disabled to get it. I'm never sure how to go ask churches. Do I go up during service and beg at the door? I haven't had to ever do this before.

Feb 02, 2016 11:10 PM

No..it's nkt that degrading.. U call them ..find the office number online or in the phone book most likely if u Call the united way they will give u the number to the churhes. Once u call they will tell u if they can help u or not and if not they will most likely give u numbers if places that will.. I know its hard and its gonna be a lot of phone calls and a few no's but there is help out there.

Feb 03, 2016 12:01 AM

If you have 0$ coming in your home you need to apply SOC SEC DISABILY and Ssi they process it immediately. It is not much but it will help with things the foodstamps do not cover. Call your company for Cobra coverage. It is expensive but you may not be able to get it to cover you long enough to renew your RX

Feb 03, 2016 12:08 AM

Take your medical records and the papers you submitted to the short term disabilty along with all correspondance from them stating your termination. To your local SOCIAL SECURITY ADMINISTRATION OFFICE. Appointments are available and they will complete your application and request the rest of your records when you sign a release. For a list of what you need go to SSA.GOV .

Feb 03, 2016 6:10 AM

I have an advocate working on my SSDI. It's in its second appeal. Cobra is $750/month. With no money coming in, that is an impossible thing. Thank you so much for the ideas 😊

Feb 03, 2016 6:30 AM

I'm so sorry you're going through such a stressful time Phoenixrising! I would be in the same situation without my parents and veterans affairs. I hope you find a way to get your medications for free! Maybe a gofundme account would help if you can get it out to a lot of people!

Feb 03, 2016 7:06 AM

I have one, from back when my disability first got cut off and the money started running out. Did pretty well at first, because family helped. Others sent prayers. I think the best benefit from the go fund me was that we got lots of prayers, if ppl really prayed and didn't just say they did. Lol most of my friends have disappeared, but they did that when I got too sick to cater to their every whim. Sorry, I'm a bit bitter about them lol. Please pray. Anyone and everyone who can. I'm scared and not well. Today I feel so sick.

Feb 03, 2016 4:00 PM

There is a complaint about this system. If I get a phone call whole responding to a message, I lose the while message. Because of memory issues, can't remember. What I was saying. Sorry for the frustration because I really wanted to talk about the Affordable Care Act. For an unemployed person in your position, they won't be penalized. If you are left with a certain level of income, your premium will be subsidized and usually not have to pay any monthly premiums. Hence the term, "Affordable." When some in the media rename the bill, people no longer look at the "Affordable" aspect but are left hating the very bill that may save their lives.

All that said, depending on your monthly income (ie., Unemployment, etc.) You might be eligible for free medical care.

Also, Wal-Mart had a program that allowed you to get like a 90-day supply of some generic medicines for as low as $10

Feb 03, 2016 4:06 PM

Sorry for any typos in the previous text. ... like ibuprofen 800 mg. Or try to purchase from BJs, Costco, etc... Others on this board have made outstanding recommendations and show the love that we have for each other. So sorry that you lost your job and have been placed in this dispicable situation.

Feb 03, 2016 6:28 PM

Unfortunately I have zero income and can't get unemployment because I'm unemployable.... The job was terminated because I've been on disability for 18 months. It's one of those rock and a hard place situations. Thank you everyone for all the love and ideas! I really do specials every one

Feb 04, 2016 6:43 AM

Now that you have 0 income check to see if you can get the SSI while your SSDI is being appealed. They dissaproved my SSI because I Have a gross 1225. / mo.

Feb 04, 2016 6:58 AM

Phoenix, usually when you are in disability And then your position is terminated and you're still disabled, you can put in your papers for permanent disability. When they review your situation and then see that since you went on temporary disability, you've become worse, it generally makes it easier to transition into permanent disability. Praying for you that you won't have any problem in doing that. Also, when on disability, depending upon what your payment is, you will be eligible for "extra help". There are several programs through Medicare that make it easier for you. Some, like ones I get are that Medicare pays my part B premium of $110. Also, my prescriptions can't cost me more than $2.65 for generic meds and $6.35 for name brand formulary meds. So that is a big savings for me in my monthly expenses. I know you can get all the info you need on www.medicare.gov. I would give it a look and see. They have also raised up the amounts that you can make so you're not having to be at the very bottom of the pay scale to get help. Sending positive vibes, my best wishes, great big {{{Hugs}}} and prayers that it all goes smoothly.💕🙏🏻🌻

Feb 04, 2016 10:41 AM

I'm in my second appeal for SSDI. Is that what you mean by permanent disability? If I get that, then I can get medicare, but until that goes through I'm stuck with trying to get medicaid..,.

Feb 04, 2016 6:40 PM

Do the lupus patients qualify for disability?

Feb 04, 2016 7:31 PM

Well it could be allowed but it does not give u any extra advantage. I called my advocate and asked about an expedite process and I was told . u had to prove u would die in three to four months be totally homeless and or have a marketed disease.. Which is like the Jerry louse telethon disease.. I was pissed.

Feb 04, 2016 8:51 PM

Phoenixrising, my brother found a Marketplace policy for $31/month. Would that be something you could afford?

Feb 04, 2016 9:12 PM

Horrid stories but i know what its like to have no insurance....3 hospitol bills whithin a month

Feb 05, 2016 6:12 AM

Flappy, the cheapest I can get is $311/ month because I don't make any money, so I don't qualify for a credit. They figure that I should get medicaid. Unfortunately, unless social services decides that I'm disabled enough I won't qualify for that either. VA didn't expand their medicaid benifits so it only applies to completely disabled, pregnant women, and children

Feb 05, 2016 8:19 AM

Phoenix , me and you are in the same boat! Yep, it sucks waiting on approval for disability... And then trying to figure out a way to get health insurance, Wow! You have a lot on your plate. Anyway, I have here for ya ....quit drugging the monkey.(/giggling)

Feb 05, 2016 8:36 PM

Pheonix, my email is the_profiler@comcast.net is you want to look up some free assistance programs for your medication. Plus, most hospital, especially ones that have a medical university have charity programs that cover doctors programs and medication, ect. I just brought my friend to one. It covers his doctors appointments, even specialist, all radiology, prescriptions and surgery. He never had insurance and now he is getting so much done for free. He has hepatitis c and it tens of thousands to treat, they paid to heal that virus and get rid of it. This may be a possibilty. There is an app for smartphones called goodrx. It is the best prescription discount card I have ever seen. It is so worth it. For example. My oxycodone at Costco for cash Orthopedic Surgeon $65.00. When I used the app, it only cost me $9.99. You put in your zip code. Enter your prescriptions. The app will pull up your surrounding drug stores and tell you the best discount price. I don't recommend just getting the card because they have discount coupons in the app as well. Any assistance I can give you, I would be happy to help. I enjoy doing this for people who need it.

Feb 05, 2016 8:38 PM

Profiler hospitols help you get treatment? I have no insurance been in hospitol 3 times within a month ...uggg

Feb 05, 2016 8:42 PM

My shrink just called to give me info about how to wean off of the expensive meds. She also said she would continue to see me at the minimum possible billing. Gave me another option to see shrinks for free at the hospital at night, but that's a last resort. She's also gonna keep tabs on me through email so i only have to see her when necessary. Now if only I could get my pain meds as easily! A ray of sunshine on a very overcast day.... 😊😊😊😊 thank you, profiler for the help as well!!

Feb 05, 2016 8:57 PM

If you can get part of a medical university hospital. It might be a travel. They usually have all their doctors linked. They usually Take the charity case and extend the service to all their programs. This has also applied to regular hospitals as well. It just depends on your local hospital and whether or not they have their own doctors associated with them. You can do this by looking up the hospital name and then looking up a specialty. For example, we have Sentara. Then look up Sentara pulmonary medicine office. This would tell you they have their own doctors or just ask them. If they don't, move to the next town or city. The reason they do this is because a good portion of their money comes from the federal money and grants for this type of thing. Plus it is a write off.

Feb 07, 2016 4:09 AM

Contact the hospital billing office and ask for the person in charge of financial assistance.

Feb 07, 2016 1:55 PM

By saying you have an advocate working on your disability case does that mean the person is not an attorney? The reason I bring this up is attorneys are bound to take only a percentage of your claim if you are approved and advocates can take much more money. Also advocates can NOT represent you if you have to appeal on a federal level. This can set you back years if you needed to start over from scratch. Please be sure of the legal aspects and protect yourself. There is no need to be kicked in the gut when you are already down. I am not a big fan of attorneys I feel like most are scum suckers but in some cases they are necessary.

Feb 07, 2016 2:40 PM

When I say advocate its a law firm that specializes in several areas. Such as disability ssi and bankruptcy tyoe cases. The person over my case has changed at least three times in the last year. But I do believe they r attorney's.. But I will check it out.

Feb 11, 2016 2:28 AM

For help with medication n addition to the info shared here... Contact your local hospital and ask for the Social Work/ Social Services Department or Discharge Planner they have all kinds of resources for those who are uninsured or needing assistance with medication.

Feb 11, 2016 5:34 AM

This is a gut wrenching situation and I'm so sorry you are going through it. I went through the same thing in '98-99. I wound up with no income at all and in a homeless shelter. After staying there for about two weeks or a little more, I don't remember how long, they found free housing, paid utilities (except phone) and I went to a charity hospital. It had a van that would come to my part of the city and provide two way transportation. It was an early morning, all day event and received basic care and some physical therapy. I lived off food stamps and prescriptions were free. I finally went to the Cleveland Clinic who provided free medical service. I needed surgery and they were willing to do it for free. A week before surgery, my social security came in.

I hope that some of this information is useful for you.

Feb 11, 2016 5:46 AM

It's bad enough that we have family, etc. who beat us up and tell us we a hypochondriac, malignerer (excuse spelling) or weak. We can't turn around and beat up on our selves. I have a sister whose only diagnosis was fibromyalgia and she hasn't worked in more than 20 years. Keep pushing forward and erase negative tapes from your mind. We all support you.

Mar 13, 2016 10:19 AM

I would try to get on medicaid

Mar 13, 2016 10:50 AM

I don't qualify for medicaid as long as my disability is denied

Mar 13, 2016 4:03 PM

Do I need to get in my truck and. Come get your ass? You know I will...Phoenix, you are my friend, I will never ever let you feel like you have no options , between me, Alwayz, and Newfibrogirl, we can pull together and find some solutions. Text me sweetie...I need to talk ! Love, Terri

Mar 13, 2016 6:15 PM

We can ALL get a big place and live together!!! We'd need extra bathrooms because Terri makes me wet my pants!! (And then she gets happy about it). LOL!!😜😳

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