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04-16-2009, 12:07 AM
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Chazen18,
I just happen to be the HR person in my company, although since the stimulus came into COBRA I have been in the office much due to my illness. This is a link you really need to read! Let me know if you have any trouble opening it. http://bulletin.aarp.org/yourhealth/...stimulus_cobra You should call your ex employer - they are responsible for getting the COBRA and stimulus notifications out to you. How long have you been gone from there? Also, the reason for termination can come in to play with the ability to access the stimulus benefit. Then, you should call your insurer too. Get details from them on how they suggest you handle the situation. They may or may not be helpful. It depends on when your company terminated you in the insurance system, but they should be able to provide you with accurate time frame information as to when you should receive notification, how long it should take to get you reinstated to the point that your doc can call to confirm your coverage, etc. You need to be prepared in any event to pay your portion of any premium back to the time you were 1st terminated from the insurance. This is the only way you will show as having been continuously covered with no lapse for future insurance needs. Best of luck. In the mean time, definately see if you can get some arrangement through a hospital to be seen. Many of the drug companies also have programs to help with necessary medications when you are in a position like yours with no income/insurance. Let me know if I can help. Feel free to send me a PM, cause I kind on jump between several forums as they haven't dx'd my "secondary" condition yet, so I don't always get back into all the threads. Quote:
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Becky |
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| "Thanks for this!" says: | Chazen18 (04-16-2009) |
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04-16-2009, 06:51 AM
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Elder
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Please contact your local town hall, and ask for help with social service programs. Please seek help at some local churches. The pastors have a HUGE big book full of programs that are available to low or no income families. They can and frequently do cover the cost of seeking medical care to qualify for medicare/medicaid type programs, but its a matter of who to start asking.
ALWAYS ask for a discount if you are paying cash for ANY service. From having your teeth cleaned to an MRI. Most places are happy to discount for a cash payment. It doesnt matter if that cash is yours, or the church's cash. IF you can qualify for social security disability income SSDI it take 2 years for medicare to go to the head of the line and provide medical services for you, BUT if you qualify through disability, and financial programs, medicaid will pay for your medical care for those 2 years. Please, start at town hall. Ask for the welfare officer. Then go to a local church or two, and ask for help in finding where to turn. They have many programs from heat assistance, to food assistance, and are quite good at not only knocking on doors, but knocking down doors. Dont give up! just take those two baby steps. 
__________________
RRMS 3/26/07 . Betaseron 5/18/07 . Elevated LFTs Beta DC 7/07 Copaxone 8/7/07 . . |
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04-16-2009, 10:13 AM
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I think the lady at the doctor's office mislead you. I was in a similar situation last year, where I was between jobs, and needed to see the doctor, but I hadn't paid my Cobra premium yet. I just went to the doctor, telling the office I still had the same insurance (they already had my card on file). As long as you pay your premium before the claim is received by the insurance company, there shouldn't be a problem. And if the claim is reviewed before you pay the premium, it will just get rejected and will have to be re-submitted.
Either way, you shouldn't have to pay up front for the entire cost of the visit. And there is a grace period that you have to pay your premium (I can't remember exactly, but the 60 days sounds correct). |
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| "Thanks for this!" says: | Chazen18 (04-16-2009) |
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04-16-2009, 02:21 PM
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Junior Member
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Well, I received the stimulus cobra info yesterday in the mail and I ended up having to scan and email it to my mom... my comprehension level is HORRIBLE anymore.. from what I read, I would have to pay 100% of the premium until I am "approved" for the stimulus pkg benefits... My mom was throwing a fit and made me send the stuff to her.
She is very smart in all that insurance mumbo-jumbo crap.. I just don't get it... I could read the papers 100,000 times and still wouldn't have a clue what it said... I don't comprehend what I read and get too frustrated to try and figure it out on my own.. I give up quite a bit... I'll start something and not understand a part and just throw in the towel and say screw it.... probably not a great trait to possess when you have MS.. the most confusing disease ever...... Thank you all for you suggestions... As far as the churches and town hall go.. I need to work on my pride... and giving it up... I have always been very against myself using assistance programs for pride reasons... I am going to job and family services tomorrow to plead my case to see if I can get on Medicaid ASAP.. and also maybe pick up food stamps... unemployment has really hurt us... that is another pride issue there... but we need to eat and have to pay bills.. so it is kind of a necessity... ugh.. why can't things be done when I snap my fingers?? I don't have the energy for all this running and thinking to get all this done... So anyways.. hopefully the medicaid will be approved and I can get back into the docs.... We'll see what happens... |
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| "Thanks for this!" says: | Dejibo (04-16-2009) |
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04-16-2009, 02:28 PM
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it may sound trite, but the simple truth of life is when your pockets are empty they make a real nice place to put your pride
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. Some days are all fleas and no kibble |
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04-16-2009, 02:31 PM
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Junior Member
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04-16-2009, 02:33 PM
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Elder
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Quote:
There is NO shame in asking for help. Please dont view it as a defeat. We have many social service programs in place for just such events. I am so sorry if anyone ever tried to make you feel that you have done something wrong to ask for help when needed. You have a disease that qualifies you beyond suspicion and rumor. Stand up tall, eyes forward, head high, and walk through that door, sit down and say "I could use some help. Can you direct me?" Food is important. Nutrition is so key in helping to fight this disease. We need medicine, and follow ups. We have dry mouth from meds, and need dental care. Please, stand up tall, and ask. The rest of us will be standing here cheerleading you.
__________________
RRMS 3/26/07 . Betaseron 5/18/07 . Elevated LFTs Beta DC 7/07 Copaxone 8/7/07 . . |
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04-16-2009, 02:40 PM
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Junior Member
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04-16-2009, 02:23 PM
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Junior Member
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04-16-2009, 02:30 PM
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Member
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Quote:
thats basicly like floating a check at the bank. as long as you can get the money in your account before that check you just wrote is presented for payment, its all good. but if something happens..........
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. Some days are all fleas and no kibble |
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Call your ex employer and insurance co.
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