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SSD For Working Patients?

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  • GriffsMommy
    replied
    Nope, the plan I have is the best plan they offer. It really ****** me off too because I work for a third party adminstrator which means they administor benefits for other companies yet they give their employees crappy benefits. My coworker always says she's happy that we don't have an HMO, she's nuts, I miss having an HMO where I had low copays no deductibles and everything that was medically required was covered in full.

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  • janelle77362
    replied
    I already pay nearly $500 a month to cover my entire family. I don't think that I could pay more for more health insurance. You should check and see if your company offers a buy-up plan. When my company introducted a $5000 deductible plan I told them I was going to quit if they didn't give me another option. I was able to buy-up a get a policy with a $1000 deductible. I paid more every week but it was worth it.

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  • GriffsMommy
    replied
    Janelle,
    I just got something in the mail from my State Farm agent (I have my car and home owners insurance through them) and it was talking about getting extra medical insurance. I have no idea how much something like this would cost but if you're paying a lot out of pocket it might be worth it to look into because then you pay the extra premium but then don't have as many medical bills to pay. I'm seriously thinking about calling my agent just to look into this since my ded w/ my insurance through work is $1500 for a family and this year so far I have had an in office cysto, a couple of urine cultures, blood work and my hydro/cysto, not to mention all of the expensive meds I'm on! I am seriously thinking about looking for a job w/ better health insurance, I really like my job but this is the worst insurance I have EVER had.

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  • janelle77362
    replied
    I've looked at Medicaid through the state too; but unfortunately I am "rich" according to the government despite the fact that I have a chronic condition. I am sure I will make it through I was just hoping that there would be some type of help.

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  • Elle
    replied
    There are instances where you can get Medicaid even though you have private insurance, it depends on the state you live in. It's usually an income based program that limits the amount of $$ you can earn. But, some states even offer assistance with medical bills for those who have chronic illnesses (even for those with private insurance). These types of programs generally have much higher income limits.
    You may be right, there may be nothing you can do about it. But please don't write off the possibility that there may be help available. If you find that there isn't a program available in your state, and you try the things I mentioned in the previous post, you may still be able to get help with your prescriptions. I know usually if you have insurance most programs fromt the drug makers won't help, but they may have something available that could help out.
    All I'm saying is that if IC is puting a financial burden on you, there may be avenues to take that could relieve some of the financial burden you're feeling.

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  • janelle77362
    replied
    Medicaid isn't an option for me because I have private insurance that covers my IC. But I still have to spend a lot of money on prescriptions and the like. I guess I will just have to bear through it until I win the lottery or something.

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  • Elle
    replied
    If it's for medical bills, have you thought of applying for Medicaid? Or, you could ask the Dr(s) or hospital(s) about any indigent funding that may be available. Lots of times, they have special $$ set aside to help those who don't qualify for Medicaid, but who don't make enough to pay their bills in full. Lots of times, the local gov't also adds to this fund. It might be worth a shot to look into.
    If those things aren't available where you live, try asking for either part or all of the balances due to be written off because of your inability to pay. While rare, it's not completely unheard of for this to happen.

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  • Berkshire Road
    replied
    You can only apply for SSD if you are making less than $900 a month. SSD is a federal program; maybe your state offers something like what you heard about, but it's not SSD. For SSD, you have to have paid in a certain amount of FICA taxes (your "credits") to qualify, then you have to be either not working or earning less than $900.

    Social Security Disability is only available to people who are completely unable to work to any meaningful degree. If you are working, it's proof positive that you can work, so you don't qualify.

    The other disability program is for people who don't have enough tax credits and who are very very poor. Your total assets have to be under $2000; I forget what the income cap is but it's very low.

    I know none of this is good news, but they are the facts. If you want to see the details laid out, just go to ssa.gov and they have a good informational site.

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  • janelle77362
    started a topic SSD For Working Patients?

    SSD For Working Patients?

    I have heard that there is a type of SS disability that you can claim regardless of whether or not you are working. I really need assistance paying medical bills. Does anyone know about that type of disability?
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