Oh, that's right - no, we have a chronic disease. Chronic meaning "ongoing," "never-ending," "everlasting," etc, etc, etc!
Sorry, I got some really frustrating news yesterday. I've been on Cobra through my ex-husband's work for the past 2 years. I'm offered insurance through my work, but from what I understand it's not very good. Plus, its 80/20 after the deductible. I guess I've been very fortunate with the insurance I currently have. My deductible is $4000. The 1st $2000 is completely my responsibility, the next $2000 is 80/20, and then when I hit $4000 my insurance pays 100%.
I got a call yesterday from the ex's work. Apparently they are looking into changing insurance companies. I probably shouldn't stress until I find out more details, but I'm told that 80/20 is kind of the "norm" when it comes to insurance after the deductible. I'm on Copaxone, which recently went up to $3900. 20% of that would be $780! How can I pay $780 every month to maintain this disease??? And that's AFTER the deductible! And that's just for the DMD; it doesn't include the MRIs and the doctor visits and everything else that goes along with this disease!
I'm in that range of income where I always make too much to qualify for any help, but not enough to pay my bills. I just filed bankruptcy, which I've gotten to the point that I'm fine with despite the fact that I will be losing my house. It is what it is. I don't understand why our DMDs keep going up!
I'm sorry, I'm just having one of those days - ya know, the ones where you get "extra" news that you didn't plan for that sends you into a tailspin? The ones that remind you of how much you despise this disease.