307>I NEED MEDICAL INSURANCE!
I have recurrent urinary tract infections that are often resistant to antibiotics. I have Kidney stones as well, had a Kidney infection and when I was hospitalized they urged me to see a specialist but I CANNOT AFFORD a specialist! A social worker in the hospital said that I shouldn%26#039;t even bother applying for medicaid because I don%26#039;t have children so applying would likely be a waste of time. I am unemployed at this time due to several psychological issues I will not get into. Medication is too expensive. I need medication in order to be mentally balanced. I started taking Valium %26amp; Adderall and both help me feel sane. The only problem is I don%26#039;t know how much longer I can even afford it!! Anti biotics are so costly as well!
I have a family history of cervical Cancer and I NEED to see a gynecologist for a pap test but cannot afford it! I need dental insurance cause I have cavities but can%26#039;t afford that either!
I feel hopeless! Can someone give me some hope?
Reply:First off, Be very wary of medical discount cards. They are not regulated by the Department of Insurance nor do the people that sell them need to be licensed. This means you have little recourse when you have problems with the plan. If you are tempted by the low price and claims of “save up to 80%” be aware that very few doctors actually take these cards. It does you little good if you have to drive 4 hours to find a doctor that will accept the card. One state couldn’t find any doctors in that state that took the card and only one dentist who was on probation for unlawful activities so they banned the sale of the card. See this link http://www.insurancejournal.com/news/wes... for more information. Many other states are starting to ban these cards.
Before signing up with any discount plan get a list of doctors. If they won’t give you a list consider it to be a scam. Call the doctors on the list to make sure they’re still taking the card (many don’t even know that they’re listed as a provider) and that they’re accepting new patients.
Second, you%26#039;re probably not going to be able to get on an individual insurance policy. You are unemployed so the only thing available will be a short term medical. Short term medical policies do not cover pre-existing conditions. Even if you were employed most policies will not cover pre-existing conditions and many will not accept you based on the total of your conditions. You may want to visit a local independent agent. This person knows the plans available in your area and can find out if any plan will take you.
Third, you should still check on Medicaid. You don%26#039;t have to have kids to be accepted for Medicaid. Depending upon what state you are in there are income and asset requirements. Google Medicaid and your state and you%26#039;ll find their website. On the website will be information on how to qualify and how to apply. Don%26#039;t let any hospital social worker tell you that you can%26#039;t get on without trying for yourself.
Reply:Hope is on the way, go to this site, it will explain everything to you. You can get all of your medical needs taken care of for a lot less money. If you have any questions let me know! www.everyonebenefits.com/fornido
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