Insurance problems, doctor problems, etc., on my treatment

[susan400]

I'm feeling really frustrated over my ability to be able to stay on treatment.   About 3 mon. ago, I was approved for Soc. Sec. Dis. and that came with a Medicare card.   I had started using it for Dr. visits and such, but not for my meds because I had coverage for that through my husband's insurance company presc. drug coverage.  Now, they've sent him a letter wanting more information because they're telling him that I'm covered under another plan.  This is a bunch of bull because Medicare has no prescription drug coverage without you having a supplement and if UHC decides they don't want to cover my drugs, then I'll be up a creek.  Medicare, I don't think, covers Interferon even when you do have a supplemental plan.  I thought about trying to get covered under an indigent drug program.  My husband says, "we'd have to get divorced before you'd qualify because my income is too high".  However, since he does not live w/me anyway, I don't know how that would matter.  On the 2nd prob. I can't find a doctor who wants to treat me for the Hep C.  My former doctor retired and even though he can write prescriptions for me, he no longer has an office, he's working part-time at the county jail. And since I'm not in jail... I'll just have to pray about it all and hope that the Lord will make a way, if he wants me to treat this.  Susan

[susan400]

I have Medicare, but I thought that they didn't cover most drugs and with my current insurance (it would be the supplemental then), not wanting to have to pay for my meds, that sort of leaves me in a pickle.  I live in Florida and services here are not real great.  My only option may end up being with the indigent drug program if I can get qualified.  I qualified for Soc. Sec. Dis.  I'm not on SSI.  I have no income of my own.  My husband helps me out when my Disability check is spent up for the month on bills and such.  

Susan

[new-sojourn]

I, too, had to make some 'arrangements' before, during and post tx.  Hey, a girl's gotta do what a girl's gotta do.

Just one more reason to have a nat'l health plan as every other  industrial nation does. 2008 and Hilary Clinton can't come none too soon!

[susan400]

Vicki,

I couldn't figure out how to find you and don't know a thing about the member's list.  Can you just send me your private email address to ***@****?

Thanks.

Susan

[susan400]

The point is, because of my religious beliefs, I would not feel comfortable divorcing just to get medications.  If the marriage was irrepreably damaged for other important reasons, that's different, but I'm not going to agree to a divorce just over meds.  My husband has never lived with me so for all practical purposes we've been separated, but he does contribute to my financial support.  I just wish that things didn't have to be so complicated.

Susan

[cuteus]

To qualify for Medicaid the income in NY can't be more than 659. a month and resources can't be more than 3600.  They do put a lien on property you own but does not count as resource if you live in it.
Ny also has a Family Health Plus where the income allowed is higher and resources are  not counted.
See if your state has comparable insurance, plus you are right about his income not counting if he is not in the household, but his help to you will count if he declares it.  
Basically, they want to know how you meet your monthly expenses, so if you redeem bottles to make ends meet, they will count that as income. IF you expenses are low and you can show meeting them without his help, it will be better. Then his assistance will be extra, and hopefully he does not need to declare it.
If you have Medicare, can you enroll in Medicare managed care? If it helps with Rx?
I hope this resolves soon for you.

[new-sojourn]

I had to not get married and had to sign all my property-house free and clear, cars the same, etc-over to him to qualify.  So, if something happened to him, i would be in real trouble.

When I had my 'bleed', he was not allowed to see me, make decisions, obtain info b/c we weren't married.  And as sure as rain-we live in WA-I will have a major incident again before I die of liver failure.  I'm flat out of anything to progess to, I done did them all!  50% of major bleed's patients are dead in 2yrs and 90% in 5yrs.  I'm 3yrs w/no medical supervision for 2 yrs.

B/anyway, since we can't marry now, he'll have 'no' say and no info 1st hand to make critical decisions.  And my kids won't inherit much.  its a b***h either way, isn't it!?!

[DRAGON SLAYER]

Susan

Hey Susan,

I don't think that things are very complicated, our beliefs, on the other hand, are!
Good luck on whatever you decide,

Ben

[MS_Vicki]

I am sorry you are going thru this... but I have some first hand experiance with this situation (It's not a favorable subjuct to most) I ended up having to adjust my life to fit within the realms of qualifications.... I have info, that may help... but not comfortable posting due to past conflicts of interrest... I am still listed under my original user name of BeFuddledBeDarned in the Members list.... contact me "IF" I can be of any further assistance!!!
:)
Vicki