Friday, June 25, 2010

ok, so....

ok, I debated about sharing this with the blogging world but I decided to go through with it to shed light on a topic and fill you in on the #1 stress in my life. Ok, now stay with me....I tend to ramble when telling stories...
I left my last job January 27 and landed my current job on April health insurance was cut off February 1 and my current job does not offer benefits. Also Matt is "self employed" and does not have a health plan through Farmers, he has his own separate policy.  SO, I have been without health insurance for almost 6 months now and have been trying to get coverage ever since.
 I have been denied by 3 companies (Assurant, BCBS and Farmers agent/family policy).......YES, they will cover just me for around $700 a MONTH (I am high risk and of child bearing age) but they will deny ANY and EVERYTHING pertaining to migraines. Yes, you heard me right the only reason I need coverage they are excluding. My migraine meds are $1200 A MONTH without insurance and that is not even taking into account my neurologist visits. And for the last 5 months I have begged CVS to let me purchase 1 pill ($50) at a time without insurance! So for 5 months I have been making a choice each migraine if I am going to suffer or if this is worth $50 in pain relief.
So where do I go from here? Nowhere. What about the new health stuff from Obama? That does not go into effect until 2012. I do not mean to be a "Debbie Downer" but this is heavy. Not only do I have migraines but now we are going thru money like water to get my medicine and now I am essentially being "punished" for this condition....which is in turn causes me stress, is putting stress on Matt & I ......and causing us to use our savings.
So there it is folks......this is my life.


Becky said...

I know this totally stresses you out! This is on my prayer list and I know God will take care of you guys! Maybe you could beg your neurologist to see you pro-bono and also get the drugs for you too??? Just thoughts.

Elisha said...

I don't know about all the rules...but look into Insure Oklahoma. When I worked at OU, one of the questions we were to ask the uninsured was "are you self employed" but I can't remember if Yes or No was the right answer. Good luck and I'm so sorry you're having to deal with all this :(

Elisha said...

Also, OU has a program for the uninsured where you'll just have to pay $10 for neurology visits. I think it's pretty easy to get approved. There is also a pharmacy there that offers prescriptions at a discount. I can get the numbers for you if you're interested in checking into it :)

Nicole said... can email me the phone numbers! THANKS


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