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In a panic

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You are reading page 3 of In a panic. If you want to start from the beginning Go to First Page.

Cobra would have cost us $1,400/mo. With me being unemployed, we couldn't afford those rates!

Lookup Catholic Charities. I don't know where you live otherwise I'd give you a direct link. I couldn't afford my cobra and I had some serious dental issues going on. Your religion is irrelevant to them, so don't worry about the Catholic aspect. Their free-care clinics can help you with outpatient and dental stuff, the one in my city had a fund to help people with their cobra benefits, health insurance and cash for groceries etc while they were actively looking for work again.

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Thank you, everyone. Jadelpn, this was not a planned event. He has no cardiac history and came home from work last week complaining of chest pain, very pale, diaphoretic,etc. I have cardiology experience and recognized what was going on. Popped 2 ASA and called 911. Monitor in ambulance showed STEMI and he was transported per LifeFlight to a major medical center (we live in a very rural area). Guess I'll check into Medicaid this coming week...as much as I HATE the thought. We are both very healthy 50 somethings and take no meds whatever. This was a total shock but we WILL survive.

My apologies for sounding like the Medicaid thing was somehow your fault. Not my intention at all! Just that usually, should someone not have insurance in Massachusetts (my state) at the time of a major surgery, social work is right on it getting someone qualified at the time. Sounds like social work dropped the ball on this one, leaving you and your hubby in huge debt, and that is not right. But remember, you worked and paid into all of this already for 30 years, so you SHOULD be able to now take advantage of it!! Best wishes to both of you!! Oh, and if your husband is considered "disabled" it is sometimes enough for him to qualify for his medicare benefits early.

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wow. As a Canadian I can't even imagine what you are going through or even offer any advice.

I do hope your husband gets better and that you find a way to cope with this.

My thoughts are with you.

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I am not far from your situation, and wish I had taken advantage of some programs much sooner. I am almost unemployable due to back injuries suffered off of work, and now I also have 4 stents and chronic SOB. My meds alone cost me nearly $300 a month. I went thru most of my retirement income, and finally applied for disability. Turns out I could have had it 18 months before I applied, and could have saved what was in the bank.

I have also been to the food banks near my home. It is humbling, for sure, but it keeps my belly filled and more in my wallet. I sometimes donate when I am there.

Talk to the social worker at the hospital, they can get you started.

I worked for 35 years, and I hate not working. But having a roof over my head, food in the pantry, and my medical bills now being taken care of is more important than my pride.

Best wishes, for sure.

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Sorry I don't have advice for you. I married my husband immediately after nursing school because of insurance (not entirely, we'd been dating nearly 10 years). He got a new job so we moved, and in the 2 or so month period beteen the first and second, we had COBRA. The day after we moved, I ended up in the hospital for 10 days. I can't imagine what would have happened if we had decided there was no need in that short period. I'm really sorry for you guys. My brother and his wife were both given back injuries from a car accident (not their fault). Neither can work. It has been terrible for them. You will persevere, but it may not be pretty. I know it sounds silly, but you could also try to get donations from friends and family using something like ChipIn or something. It may not generate much, but I'm sure at times every little bit will help.

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Too late to apply for Cobra. We may be forced to apply for Medicaid and I HATE it! NEVER thought I would find myself in this situation! I've worked as an RN for over 30yrs. Hospital said they would work out a payment plan, but we be paying until we're 6 feet under! I don't know if Medicaid would pick up the entire bill.

If you apply and are eligible Medicaid typically picks up the bills going back 90 days.

Apply to the hospital for compassionate care, it's likely they require a Medicaid application as part of the process and they will help you fill it out. It's better to do this sooner rather than later. Some place on the application they will ask if anyone applying for services is hospitalized or under a doctors care, you want to answer yes.

Please, don't be too proud to apply, you've paid taxes for years, you've earned the help and yours is exactly the sort of situation public assistance was created for. Your husband is going to need a lot of follow up and likey medications, don't spend the rest of your life paying off medical bills that Medicaid may pay for.

Edited by kids

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jadelpn, A STEMI is a major heart attack that is often fatal, not a "surgery." It occurs when a coronary artery is 100% occluded. Google it. Thanks for your concern.

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Oh, and I do know that in some instances, Medicaid (or whatever your state's health insurance plan is) can sometimes backdate to cover some of the cost---IF you were qualified at the time of the surgery. I don't know what each state's plan is or the laws pertaining to the same, but it is most worth talking about.....and I would not have any more medical stuff until I spoke with the hospital social worker on qualifing your husband for insurance before hand (which should have been done I would think when his surgery was scheduled, but it wasn't so you can only go from here....) Oh, and one more thing....because your husband is recuperating, can you do meals on wheels, and other services provided? I would make an appointment with the social worker in the hospital where your husband had his surgery.......

Sue the SW and the hospital for not helping you. Sue somebody, sue everybody you can. Don't worry or be embarrassed about needing help. The deck is stacked against little guys like us.

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Our American health care system just stinks, as this situation exemplifies. I think you've received good advice here, OP, so please follow through.

Bankruptcy, lawsuits, Medicaid, COBRA, private fundraisers, hit up your friends and relatives. Do what one woman did to save her house - she started making and selling cakes at $40 each. Saved the house, is her own boss. Best of luck to you guys.

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I would look into it, but I know certain states have budgets set for emergency care for those who cant afford it. A lot of people dont ask for it because they dont know. Seems to me like an out-of-the-blue cardiac issue should qualify as an emergency, especially since even labor and delivery can be covered. Call the hospital and ask them.

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I would bet that most posters on this thread would agree that we need health reform in this country.

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Just saw this thread. . . . wish I had any words of wisdom to offer regarding taking care of the bills. . . .

In the meanwhile. . . . . ((((((((((ebear & hubby )))))))))

:(

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