TomorrowIsAnotherDay

Hi girls,
I'm feeling really frustrated. I am a full-time student and am on my Mom's insurance to recieve medical care and prescriptions. Well a month ago my Mom was layed off, thus she lost her medical insurance. She has since gotten a new job but this one does not pay as well and also has a very poor insurance package. She isn't even able to get insurance until 90 days. This is very stressful. I can't go see a Doctor and my prescriptions are through the roof without insurance. I had to stop taking Met because it was costing so much. Between my BCP Yasmin and my 50mg of Spiro it costs me $100 a month. I'm going to go broke soon, literally. I don't know what to do. Are there any programs available to me? I really would love to decrease the costs of my prescriptions or find some kind of insurance that is reasonable.

Thank you for any help/suggestions you may be able to give me!
-Nicole

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Mandi_C

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Mandi: 24; HUSBAND
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Justin: 25
Married June 13, '08
TTC June '09-ish.

"First and last breath don't matter,
it's all the ones that are in between." ~ Sugarland


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WEIGHT GOALS = currently 270; GOAL = 180 ... prefferably by June '09, but don't care when, just want back down to 180.

tobikay

I don't know much about BCP...
However, I checked out the Walmart website and they offer Met and Spiro on their $4 RX program. The spiro is only 25mg, but perhaps you could work something out and take 2....

Good luck. Sometimes we forget how blessed we are to have great insurance.

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"When Satan is knocking at your door just say "Jesus, could you get that for me?"

ttara123

if you're a student, check out the health services on campus. Many have discounted BCP.... I get my Ortho for $15 a month

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Previously on Met, currently on Ortho Tri-Cyclen, Spiro, and cinnamon

Physical attractiveness is not objective.

sarabara

I feel your pain! I haven't had insurance since I turned 18. I'm on synthroid for my thyroid and metformin. They run me about 60 bucks a month. What really kills me is the $1400 bill I got from having all my labs drawn! I also pay about 140 every time I get my blood drawn and another 60 to see my OB. It adds up but I'm lucky enough that I have a sugar daddy We run our own business and make pretty decent money. I don't know what I would do if we had to pay all our bills plus have to keep up with the medical aspect.

I also recommend planned parenthood for the birth control pills. I don't know about where you are, but here there is a womans clinic that does exams and what not on a sliding scale so the less you make the less you pay. Medicade is the only other option I can think of.

Good luck to you!

Allison.

Hope this helps;

Some uninsured or underinsured women make too much money to qualify for government assistance but cannot afford to pay for health insurance or costly medical services. This is a difficult situation for women and their families. There are other options for women in this situation. The following are a few options to consider:
• Free clinics. In 1992, The Free Clinic Foundation of America was founded and published a National Directory of Free Clinics. These clinics provide services for the working poor and uninsured. For a list of clinics in your area call (540) 344-8242.
• Prescription drug assistance. Some states provide prescription drug assistance to women who are not covered by Medicaid. Also, many drug companies will work with your doctor or health care provider to supply free medicines to those in need. For prescription drug resources, go to http://www.disabilityresources.org/RX.html.
• Women with cancer. Women who are coping with cancer can find help through a variety of government-sponsored and volunteer organizations. For example, Cancer Care provides free support, information, financial assistance, and practical help to people with cancer and their families. Low-income and underserved women with breast and cervical cancers can obtain assistance from AVONcares Program for Medically Underserved Women. For more information and a list of more resources, contact the National Cancer Institute at http://www.nci.nih.gov/.
• Women with HIV. The federal Ryan White CARE Act funds services for those with HIV/AIDS who are without insurance or financial resources to pay for care. For information about the Ryan White Care Act, call 1-888-275-4772 or go to http://hab.hrsa.gov. Contact your local or state health department to locate a CARE provider in your area.
• Low-Cost Health Insurance Options. Some labor unions, professional clubs, associations, and organizations offer group health insurance to its members. These plans are usually less costly and may be an option to consider.
• State Temporary Insurance. Some who have been denied health insurance because of a medical condition may be able to obtain coverage through State “High Risk Pools.” Over 30 states provide this temporary insurance assistance. For more information, contact http://www.healthinsurance.org/riskpoolinfo.html.
How do you protect your health insurance benefits?
If you are losing your health insurance due to job loss or reduced hours, there are some important steps you should take. Women and their dependent children who lose their health insurance through divorce or death are also entitled to the following protection.
• Obtain proof of previous health insurance coverage from your employer. This guarantees certain protections and rights under the Health Insurance Portability and Accountability Act of 1996, or HIPAA. Basically, HIPAA protects employed individuals and their families who are insured by continuing access to health insurance when leaving or changing jobs. For more information about HIPAA and how it affects you and your family, go to http://www.cms.gov/hipaa/hipaa1/content/more.asp.
• You may be eligible for continuation of your health insurance coverage under the Consolidated Omnibus Budget Reconciliation Act of 1985, or COBRA. Generally, employers with 20 or more employees qualify for COBRA and must allow you the opportunity to continue your health insurance benefits for at least 18 months after leaving your job. You will have to pay more than when you were employed because you must also pay the premium costs previously paid by your employer. But you will receive the same health benefits while you look for another job or until you purchase health insurance. In some cases, you can apply for health insurance continuance after exhausting COBRA coverage through your State-mandated “High-Risk Pool” Insurance.
• Consider your health insurance situation carefully before agreeing to certain terms and conditions. This is especially important in situations of separation or divorce. Also, you may not want to waive certain survivor or retirement benefits as this could impact your health insurance benefits.
• A court order can be obtained to provide coverage for children under a divorced parent’s health plan, even if that parent does not have custody. This court order is called a qualified medical child support order.
• In most cases, there are strict time limitations in which to apply for benefits. So act quickly to get the right information and file the forms required in order to protect you and your family’s health insurance.
For More Information…
For more information about health insurance contact the National Women’s Health Information Center at 800-994-WOMAN (9662) or the following organizations:
Center for Medicare and Medicaid Services, HHS
Phone: (800) 633-4227 (MEDICARE)
Internet Address: http://cms.hhs.gov
Employee Benefits Security Administration
Phone: (866) 444-3272
Internet Address: http://www.dol.gov/ebsa
Health Resources Services Administration Information Center
Phone: (888) 275-4772
Internet Address: http://www.ask.hrsa.gov

State Children's Health Insurance Program, CMS, HHS
Phone: (877) 543-7669 (KIDS NOW)
Internet Address: http://www.cms.hhs.gov/schip
Social Security Administration Office of Public Inquiries
Phone: (800) 772-1213
Internet Address: http://www.ssa.gov
The Center For Women Veterans
Phone: (800) 827-1000
Internet Address: http://www.va.gov/womenvet
TRICARE/Military Health System
Phone: (888) DOD-CARE (363-2273)
Internet Address: http://www.tricare.osd.mil
America’s Health Insurance Plans
Phone: (202) 778-3200
Internet Address: http://www.ahip.org

National Association of Insurance Commissioners (NAIC)
Phone: (816) 842-3600
Internet Address: http://www.naic.org
The Commonwealth Fund
Phone: (212) 606-3800
Internet Address: http://www.cmwf.org

Source:
http://www.4woman.gov/faq/healthins.htm

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Allison
I have to exercise in the morning, before my brain figures out what the hell I am actually doing
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.
Traditional PCOS - Anovulatory, increased androgens, no insulin resistance
Medications and Supps listed on my profile.

Shroop13

Just adding something to the Walmart thing. I didnt have Insurance for the last 5 mths and decided to try the Walmart plan. I thought that I would have to fill something out and see if I qualify, but you dont have to do anything different. They took care of transferring my prescriptions from CVS to Walmart and if your medication is on the list, then you just get it for $4.00. My other ones that weren't on the list, were also cheaper than they were anywhere else. Planned parenthood or the campus thing sounds like a good idea too. Hope this helps.

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Stephanie (28)
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Phillip (27) ~ (Married 4/17/04)

TTC # 1
2/08 ~ Clomid 50 mg, CD 3-7, 3 follicles, Prog 25 ~ BFN
3/08 ~ Clomid 50 mg, CD 3-7, multi follies, Prog 18.8 ~ BFN
4/08 ~ Clomid 50 mg, CD 3-7, 6 follicles, HCG 4/23, IUI 4/25
Trying our first HCG shot and IUI ~ fingers crossed!!!

TomorrowIsAnotherDay

Thank you everyone for the great responses. I'm still looking for insurance. It is a must for me. I need to get my drug coverage back and be able to see a derm. to get my breakouts under control once and for all. It is a very stressful time for me. I was just hit with yet another blow...I was informed by mail that my financial aid for school has been cut off for this year due to my mom making $1,000 more than the cut-off income to recieve aid. What makes me so mad about this is that my Mom this year is going to make waaaay less than she did the previous year. She lost her job and has recently started a new one at a $10,000 a year pay cut. There is no way either of my parents can help me out with school, even though I know they wish they could. I feel so stuck. I just started seeing a therapist and it costs me $35 a visit and now between my prescription costs and loosing the money I usually rely on from financial aid, I don't think I'll be able to continue my therapy sessions. I know lots of people go through things like this. I just feel like everything has come at me at once. I need a break !

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obuphio

There are some therapists that will adjust your fee to your income and what you can pay. I don't really know what ones, but I had a friend who went to one like that and he was very good apparently, but didn't charge as much because it was based off of income. I don't know...but something to look into. Also, student loans are wretched, but can be deferred, so if you have to that would be a way to go. Hang in there...it has to get better eventually right? I hope anyway. *hugs*

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TomorrowIsAnotherDay

Thank you for the encouraging words obuphio! I have faith it will get better. Unfortunately the $35 fee to see my therapist is based on a sliding scale. I called the center and they said if I wanted they could base the sliding scale on my income, instead of my mom's, since I am paying but it would only be $10 cheaper and I would have to change therapists. If I went with the cheaper payment I wouldn't even get to see a certified therapist, but instead an intern. I really like my current therapist, so I guess I will have to come up with a way to pay for my regular visits or take a break from it.

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SnowyAlley

Well, since my DH lost his insurance, we were looking into getting it ourselves. Just to let you know, most companies won't accept you if you have PCOS. I know because I called a lot and was automatically disquailified. We are thinking about gettin Cinergy because it's a discount plan and not insurance. You can see if they are contracted with your dr and go from there.

BTW, Dh was able to get another job with insurance and we are waiting the 60 days until we can get coverage.

Alethea

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Married in 1993

Had DS #1 - 1994
Had DS #2 - 1995
Had DS #3 - 1996
Had DD - 1999

Had TMJ since I was a teen

Took Depro shots 2000-2001
Was irregular since
Dx PCOS, fallen uterus, fibroid 3-2007
Dx "Golfer's Elbow" 4-2007

jap

maybe for a few extra bucks you could participate in psychology experiements? i've done quite a few. they're usually easy, painfree and pay you around $10 an hour.

i hope things work out for you.
<3

becca and audrey

this has nothing to do w/ PCOs, but here it goes:

file an amendment w/ the financial aid office @ your school. they will recalc. the amt. of aid you get!

TomorrowIsAnotherDay

Can you explain this more? I don't quite understand. I've been told my Pell Grant for this year cannot be appealed due to the high amount of applicants. Any other ways to get some form of financial aid would be great.

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becca and audrey

you need to go to the financial aid office and ask for the FAFSA income admendment form (i think it is called that). every person has the right to file it because incomes can change way after the filing date. your financial aid officer should be able to walk you through the form. you are not contesting the amount of your PELL grant. you are changing the amount of reportable income due to job loss/change.

i had to do this in college. my freshman year - my stepfather's income changed dramatically after we had filed the normal form. i went to the office and explained the situation. we then had to file the admendment form. my co-worker had to do this because PHEAA went off of current income and did not look at the whole situation for her son. it's aggrevating, long, but worth it.

like i said, your best bet is to go the the office, explain the situation, and ask to amend your upcoming year of information.