Health/Medical Insurances And Disabilities:

Bidding my time on Disability until they can find out how to control my dizzy spells and what is causing my joint pain is not any fun. They keep this gal poked and prodded at least once to three times per week. I don't know what I would do if I didn't have three health insurance plans.

There are so many people out there without any health/medical insurance coverage or not enough. My husband has only one, it helps pay sixty to eighty percent--but we pay the difference. Except when it comes to his MS IV therapy which is once a month. He takes Tysabri; it's original cost before insurance is $5,124.00 for one treatment for one time per month for the rest of his life as long as it works. His insurance pays $2,120.00 and we must pay the difference.

My husband needs to go on disability but can't due to he will loose his only insurance and we can't survive on my little check of $640.00 per month for nine months while they determine if he's eligible. While determining eligibility the person applying for disability must have ZERO income. I don't know how the government expects people to survive for even a month on no income let alone up to nine months. Oh, of course they will back pay you, after they minus three months for the eligibility waiting time.

But what creditors, mortgage companies, grocery stores, car dealership, utility companies are going to wait up to nine months?..and then there's the chance you will be denied. Nobody waits and Medicaid won't help either until you have gotten your disability status from Medicare. If you are denied you have the right to appeal but that takes even more time. Also, when you get disability you are allowed to apply for SSI, Foodstamps, and State Medical assistance (it's Medicaid where we live). However, you are not entitled to Federal Medicare benefits until you have been on SSD (Social Security Disability) for Two entire years. Then you can finally have your secondary insurance--but in that case Medicare is then your primary and state medical secondary. It can be pretty confusing to those with limited capabilities of understanding. It is very tough to live on your SSD check and find doctors that will accept your state medical card alone (without you having a secondary insurance). And when you do the quality of care I believe is somewhat compromised in the fact that they know that you can't pay it or won't or that the state pays so darn little (which is very true).

My advice: Don't get sick without Medical Insurance or become disabled in America!