Originally Posted by sassy

Hi, I'm new to this thread but would you clarify something for me? You are saying 12 people in this survey are w/o insurance and have NO out of pocket expenses?

If so, what meds, what docs, what hospitalizations have they had?

My friend, 31 yo with MS and very handicapped makes $400 SSI and is on Medicaid. She has to buy her own diapers, medical equipment except the electric wheelchair they bought her that she is unable to navigate now and is unable to get a manual chair so someone can push her around.

She is currently been trying to get on Ty for over a year with no luck.

So, at this point I would say pay the insurance if you can.

Originally Posted by Dejibo

I am of the school of thought that you MUST do what you have to do to take care of YOUR family. These services are put in place for a reason, and we expect them to be used by folks that need them. yes, there are now, and will always be many who abuse, and bend the rules to get more. (my sister is one of them)

If your insurance/medical costs are overwhelming your family and finances, its time to get help. if that is social services then so be it. Once you get on the wagon, many doors can and will open. I dont view it as giving up, nor as a cheat. its a valid way to keep your head above water, to keep your family fed, clothed, and keep the roof over their heads. If you were just sitting home whining about your pimples, or depressed because a g/f left you college or you were passed over for a promotion, this would be different. you have been diagnosed with a quailfying disease, and have the war wounds to show for it.

If it were me (prepared for the egging) I would take the social services, and start saving my money for rainy days, and ways to care for and comfort my family.

you are loved and respected in many circles. I hope you are able to make a decision and know that no matter what you chose, you are still loved and respected in many circles.

Originally Posted by lady_express_44

Vic,

Those 25 people, who are paying an average of $35,000 . . . is that amount influenced by unusually high med costs, ie. is that JUST premiums, or does it include co-pays, some of the cost of the meds, etc.?

Cherie