Health care and the US (update)
XxKrazy4u
member
Just to update you all on my FI who needed back surgery...
My insurance denied him because of the pre-existing injury. So no go there.
Medicaid would not allow him to be seen as an emergency at a specialists office and no one will take him in to see him anyway without medicaid or health insurance approval unless they can do the surgery then and there. So ive had 3 docs tell me not to waste the 300 bucks out of pocket we will HAVE to spend to see their specialist because Medicaid wont pay for them to do surgery anyway. If they took medicaid, then i could at least take him to the specialist, get the approval for the surgery, and wait for the mediciaid to kick in (will cover last 3 months of medical). So they could bill us and medicaid would pay for the bill...and we could at least get that ball rolling.
Even the specialist who takes medicaid at the hospital will not make him an appt. until we get the yay or nay from medicaid.
My FI is bed ridden right now. I am basically taking care of him while still trying to work. So i have to leave him with everything he needs for the entire day and his mom and dad have to help him get to the bathroom when i am not there.
Plain and simple...this sucks.
I dont understand how we can do absolutely nothing right now but wait. Even taking him to the ER is a MAJOR risk if he gets denied Medicaid.
The only participating hospital we found was in Stony Brook...but like i said they wont see him until Medicaid accepts or rejects him. If he gets rejected, then i really do not know what the hell we are going to do.
I am losing my mind with everything going on right now. I am trying to go to work and focus before i get fired here...but its constant phone calls all day to medicaid, the doctors, specialists, hospital ets.., calls to check on him, etc. My stress level is through the roof.
Re: Health care and the US (update)
Right now all he is getting is unemployment. Some people told me to just get married by the JOP but then my income would def. not qualify him for anything. I think most people thought he could go on my insurance which he cant.
By him handling everything as his own entity i wonder if its better or worse????
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the company I work for does not exclude coverage due to prexisting conditions but we are in Mass and that wont help. The HCR will eventually make it illegal for ins co to deny coverage due to preexisting conditions but looks like it is a few years away. I hope that he gets the help he needs, these things really piss me off to see people who need help not be able to get the help they need. Best wishes!
It sucks because i feel like we are stuck. Im exhausted, we cant make it on my salary....he cant work, not that he doesnt want to, he physically cant,..and even when he could, the union was so messed up and so unfair he worked 3-4 months the whole entire year. he was trying to get out of the union and get a different job,...now that he is hurt,...a job has to take a back burner until he gets the help he so badly needs.
Today he didnt move from the bed. DIdnt even eat. Its driving me nuts. he is depressed and immobile. and at this point, everything has me so on edge i snap. we have been fighting because i just cant take the amount of stress im under right now. i feel like hes not asking the right questions to these people at medicaid and not pushing hard enough to get things moving.
He even went back to try and get them to make a decision quicker...and still nothing. and i dont feel like he stressed how bad this is.
if he is denied coverage...hes going straight to the ER and we will have no choice but to worry about the bill i guess afterwards. its going to really kill us and take a lifetime to pay off. we are going to be really deep in debt and we dont even have a place to live right now. itd be easier if we were younger but im 31 ....would like to have a child one day...and i dont see how a house, baby, and life is possible with 100 grand in debt from a surgery. i have spent the last 2 yrs trying to get things in order from my own financial meltdown due to an ex running my credit through the roof. i finally got that debt paid off in full, the wedding paid off in full...and now this happens and i am back at square one all over again. after i tried so hard to pull myself out this past 2 yrs.
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http://www.md247.com/md247-blog/category/2-telemedicine-.html