Divorce

[Ugh_84]

I was dx last year with ms and am now find myself soon to be divorced. My husband holds the insurance and earns the $$.

Has any one faced this situation. How will I cover my medical expenses. My copaxone.

I don't know what to do. Never thought this would happen

Thanks

[Karen99]

Most states do not allow a person to be "dropped" from insurance without notifying them first.

An attorney is a very, very good idea.  

[Lulu54]

Hi Ugh - let me add my welcome here.  Don't be intimidated by this control freak.  Keep that appointment on Tu8esday and don't let him talk you out of it.  You need to understand your rights and be represented in this fight - a good attorney is absolutely necessary.

Its hard to tell how some people are going to react to this kind of problem.  It sounds like he is going to be as ugly as possible.

Welcome again and I hope you stick around for support and encouragement.  You have heard some good advice here from others who have been in your shoes.

best,
Lulu

[Ugh_84]

Thanks everyone for the advice.  We live in Wisconsin.  We've been married 23 years with lots of up and downs. He is also a control freak and will try to intimidate me.  Tonight he told me that I stepped out of bounds he would drop me from his open enrollment for group
Insurance.   I have an appt tues with attorney

[nikki861]

I know exactly where you are coming from!! Never thought it would happen to me either! 26 years of marriage and HE cant take it?!! Really, after the children are raised, and i have worked my butt off just like he did......
At the time I was not dx and my neuro was sure it was MS, but didnt have enough of the criteria. He told me I was fat, depressed, and that he was miserable! How would he like to be in my shoes?? I was determined.....I left the home because i could not afford it. Took classes (that i made him pay for) and got my certification for phlebotomy. Figured the medical field would be a good choice. I am a graphic artist and worked that field for 20 years.
I worked for a hospital for a while and it about killed me physically. Then I was hired by United Blood Services. More money, less hours and not walking all over a huge hospital. What a blessing!! Oh yeah, and GREAT ins.! Also, did not have a dx yet, so that made a difference in my situation. I also have always carried ins on our childern. Now I just have to carry on my youngest, she is 20 and in college.
I guess what I am saying is, FIGHT!! Find your inner strength and come out fighting!! It is very hard and you will want to give up, but find your support and hang on tight to them. Surrond yourself with people that will cheer you on and not bring you more stress!!
Like said above, Copaxone should be able to finacially help.
God Bless and take care!!
Beth

[HVAC]

If your state has a health benefits exchange that is one option. Not all states have one and the rules differ from state to state. The is the federal exchange but you have to be uninsured for six years. These usually have a premium of $500 a month depending on how large your deductible is. If your income is low enough and you qualify you can apply for medicaid. In some states the benefits under medicaid are not so good and your choice of doctors is limited mostly to Drs. in hospital based practices. There is no easy solution for this problem. Sometimes a spouse will stay married but live separately to keep your insurance. Some employee based insurance require you live together. Unless you have a job it will be pricey.

I wish things were easier. The best thing is not to get to scared and freaked out. You will only make yourself more stressed. Try to investigate all options.  I know it is hard. I have gotten so upset advocating for my health care at times I have given up and that only hurt me. None of this is easy. Just try to stay calm and work through it one step at a time.

Alex

[Sumanadevii]

I do know you are eligible for Cobra (36 months I think) under his insurance at work.  It is expensive but you would get a rate given to all their employees ..better than nothing.  If he makes the big $$$$ and you have been married more than ten years, it is possible that he could be made to pay for the Cobra.  Ask your lawyer about it.

[heartfelt77]

  
     Just my opioion.   What state do u live in?  Can you get on medical asisstance.  Also,  I know this has got to be so hard to go through.  Surround yourself with family and friends.  And, fight for what is rightfully yours.  I don't know your sitution but, I do know you have a lot of rights.

    Not just him walking away with money and the health ins....    No judge would allow this to happen with your medical condition.

    Stay positive,   Take care
       Misty

[jensequitur]

It sounds horrible.  What state do you live in?