(Closed) Having a Panic Attack of Insurance Issues

posted 6 years ago in Emotional
Post # 3
Member
1572 posts
Bumble bee
  • Wedding: May 2013

I don’t know if I can offer much more than *hugs* and thoughts for you. I have some health issues and I know that without insurance, there is no way I could essentially afford to live. Not only are my medications all pricey (heck, they are expensive even WITH insurance – my co-pays alone cost over $400 a month, and my insurance is good), but I don’t want to think about what would happen if I were to get very sick ever again. So, for you, what if you would wait to get married? I have a good friend who never legally got married (due to insurance reasons – she has MS and her infusions alone probably wouldn’t be covered. if I had to, I’d make a funraiser for her). Close friends and the family knows that their wedding was not legally binding, but they are okay with that. They’ve been very committed to each other long before they had their reception, but they wanted the ceremony and reception. Obviously, this is a very personal choice. Is that something you would consider? Or would you prefer to just hold off on the wedding? How does your Fiance feel about this? (Also, I teach at a college and very few people realize that unless you are full time – which 4-5 classes teaching is still part time where I am! – benefits are non-existant or lousy.)

Post # 4
Member
642 posts
Busy bee
  • Wedding: April 2012

I have some health issues as well and we decided to have a commitment ceremony instead of a legal wedding. It works for us, and if we are granted a miracle and I survive and it won’t ruin either of us financially we can always go to the court house and get legally married later but for now we can celebrate our relationship with our family and friends. I kind of see it as being married in God’s eyes but not the law’s. I need to spend a little extra on an estate planner and that’s so much better than leaving him in medical debt and changing my social security benefits and medicare.

Post # 5
Member
212 posts
Helper bee
  • Wedding: August 2012

 

Have you contacted the Byetta pharmaceutical company to see if there are options out there that will make the medication cheaper? I work at a hospital and have to speak with a lot of pharaceutical reps and they always tell me to have patient’s contac the companies if they are unable to afford the meds.

You could contact the American Diabetes Association or the company for the tests strips to see if their are programs to help pay for these things. There are also cheap meters that you can get at Walmart. Another thing is if you live by a major university teaching hospital that does research there may be programs available that help diabetics stay on track, like diabetes education etc.

Does your future husband’s insurance allow you to consult a dietician? Some allow a visits to a dietician and you only pay the copay. Due to diabetes and wanting to lose weight you may be able to have this service. This way you could let go of the Weight Watchers cost.

As far as therapy for panic/anxiety you could see if there are cheaper options, some counseling centers will accept sliding scale fee for service. Is your anxeity/panic controlled through meds like Klonopin or Xanax or is it treated by therapy/groups only? You could ask there therapist that runs the group if they know of alternatives.

Also some cities do have gyms that are free. Usually you can find out about them through community centers. 

You could potentially go to the caseworker for your Medicaid, they should be able to streer you in the direction of things you need if you gave up the Medicaid.

 

Post # 6
Member
212 posts
Helper bee
  • Wedding: August 2012

Another thing….if you are a diabetic and you have a diagnosis of panic attacks or anxiety you may qualify for Medicare……..because usually if you have two diagnosis of different Axis’s before the age of 65 or a very life threatening condition like kidney dialysis you can qualify for Medicare.

Post # 8
Member
943 posts
Busy bee
  • Wedding: August 2012

I don’t know all about it, but I know there is an option for married filing separately–maybe that will keep your finances totally separate and you don’t have to report it as your income?  Definitely check with a tax pro though because I don’t know.  It says your AGI (adjusted gross income) is lower but you can lose EIC and other deductions.  I would check it out though, maybe it would help.  Good luck!

http://www.investopedia.com/terms/m/mfs.asp#axzz1lZU21MEb

 

http://www.foxbusiness.com/personal-finance/2011/06/02/does-married-filing-separately-make-sense/

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