Post # 1
Sorry bees, this is a full-on vent. Today Darling Husband went for an eye exam and found out that he has a vision problem that could be caused by an underlying disease like hypertension or diabetes. We have no insurance, and he hasn’t been to a doctor in TEN YEARS!
Both diabetes and hypertension run in his family so there is a real reason for concern. So in addition to having a physical and perhaps needing treatment for one of those conditions, he also needs to go to an eye specialist to make sure that there’s not something more serious wrong with his eye.
Of course my first concern is for his health and eyesight, but I’m also really mad at him for declining health insurance from his job because the premiums were too expensive. I’m currently paying over $150 per month out of pocket for my asthma and allergy meds. I also have a painful foot injury that I haven’t been able get treated since I lost my insurance when I lost my full time job. Now that his health is a concern, all of a sudden he’s talking about getting insurance…
This thing is, I know we couldn’t afford the insurance his company offered – it was nearly $500 per month. We also can’t afford to buy our own insurance. I’m just so bitter that I haven’t found a job that offers insurance yet. We also want to have a baby soon, and it just seems like such an impossibility right now. I wish we could fix the health care system in this country NOW!
Post # 3
I’m sorry to hear. I work in the insurance industry and hear stories like yours over and over. I recommend three things: do you qualify for any low-income medical insurance programs? Talk to your local department of health to find out. If not, talk to an insurance broker who can search for individual plans and find the best one for your hubby (they can help best since there’s a possible pre-existing condition issue). Three, have him talk to his HR dept and ask when he can enroll in benefits next and ask if there is more than option. There may be a cheaper plan available as an option. And depending on the underlying condition, it may be cheaper to buy the insurance.
Good luck, I hope all is ok with your Darling Husband and his vision!
Post # 4
I appreciate your response. Here’s the problem – we make too much money to qualify for low-income gov’t programs. I know I’m not alone, this is a huge problem in the US for a lot of people – they don’t make enough to afford insurance and they make too much to qualify for assistance.
Can you tell me what is considered a pre-existing condition? Does having one eye exam make for a pre-existing condition? Does visiting the podiatrist once make it a pre-existing condition? I know it’s not your fault, but this crap sucks.
Here’s the other problem with insurance – I’ve looked at some plans online and the onces with affordable monthly premiums have terrible coverage. They have high deductibles, no prescritption or doctor visit coverage. Basically, these plans would only be worth it if you had major hospitalization or treatment for serious illnesses.
On the other hand, the plans with good coverage are horrendously expensive. Who can afford $500+ per month??? His company offered 3 options and I think the HMO was still over $400 per month for both of us. We wouldn’t be able to afford to pay our rent at that rate. Ugh…
Post # 5
I’m in a similar boat. I have been fortunate to have long term sub positions with teacher salary, but no benefits the past two years. Teaching jobs in PA are non existent. I was dropped from dad’s insurance in April at 26. A month later I was in an accident. Fifteen days in the hospital, surgery, and a broken pelvis. I’m in my fourth week of recovery now and still don’t know if I qualify for medical assistance. My first week in the hospital was supposed to end with a transfer for inpatient rehab, but I couldn’t be transferred because prescreening of my MAC app was looking like I made too much..not taking into account that that money is gone, I can’t work for 12weeks, and there is no contract in sight for me. I’ve paid 400$ out of pocket for prescriptions since I’ve been home. I’m holding onto the receipts in hopes MA will come through and I’ll be reimbursed. I definitely feel your pain. It’s a shame that hardworking people can’t get a break!
Post # 6
I understand. Because of pre-existing conditions, I have to pay $2,500 monthly.
Post # 7
The $500 a month is going to be much cheaper in the long run then the medical bills – I went to the ER for kidney stones and with insurance it still cost me $2000.00! Even if it means getting a part-time job to make up for the cost of it, I cannot stress enough the importance of having insurance!
Post # 8
I completely understand. I did not have insurance at all through grad school and when I had an inner ear infection the dr sucked me dry.
Luckily, I now have a job that provides it but I really can emapthize. It’s very scary…
Post # 9
- Wedding: July 2012 - Baltimore Museum of Industry
Check out Blue Cross Blue Shield individual plans- I’ve had them 3 times. You can get maternity coverage, and there’s a wide range of deductibles. I have one medication (considered pre-existing) that wasn’t going to be covered for 10 months, but other than that, I’m good. I was really worried because I had had a hospital visit 3 months before I went on the plan, but that wasn’t an issue.
Post # 10
@rebwana: I second this.
My Darling Husband does contract work and before we were married he paid for his own insurance through BCBS and I think it was $275/month.
Post # 11
Wow, that really sucks. I don’t have anything to add, except vent away, lots of sympathy and hugs from me! I hope the PPs’ suggestions work out for you.
Post # 12
I am so sorry to hear about this. For the first time in my life I too am without insurance and fall inbetween the gap of making too much for govt. help but not enough to pay my own. We had 60 days inbetween insurances while my Fiance changed jobs. I am recovering from knee surgery and just pulled something and it is all swollen again. I have had to give up the meds and PT that was helping. In this process Fiance who has NEVER EVER gone to the hospital in the 6 years we have been together, BROKE HIS HAND!!!! So we spent Sunday night in the ER.
They were a lot of help. If you do something called “self pay” some places will give you up to 50% off. Also they said to walk into a hospital and sit down with a financial counselor, they can also help with a list of options. I am so sorry, I totally feel for you right now.
Post # 13
I’m sorry you have to go through this right now.
I’m not sure what you can afford right now, but my Fiance was contracting and now gets terrible insurance through work so he decided to purchase his own. It costs him about $200 a month through Aetna and it’s been great so far. Maybe private insurance is an option.
Post # 14
I too can simpathize. My SO has not health insurance and was recently diagnosed with a incurable disease. I suggest doing what you can to reverse this damage without medication or to lesson the amt. you will need. Eating right and excercizing sounds boring, but it’s worth it compared to doctor costs. Diabetes and hypertension can be reversed just doing that. Stay focused and strong, you can do it.