hello survivors and caregivers,
I have survived the cancer but the healthcare system is killing me! I was too sick to work during treatment, and I was discharged from my job after the FMLA ran out. I am on SSD (social security disability) payroll since January of this year. It barely enough to cover my COBRA premium and yet I have insurance co-pays and deductibles, rent, student loan, and utility bills to pay. I was denied of SSI (supplemental security income) because my SSD payment amounts have exceeded the eligible income level by $75 per month. It disqualifies me either SSI and state medicaid. I was like you kidding me right? Just $75 over!! I told them give me $100 less but they rejected the offer. Ok so fine I will be on SSD for 2 years and supposedly the medicare will kick in by then? The problem is my COBRA ends next March, which is one year from now. I was denied the 11 month COBRA extension but that's another story I do not want to get into right now. So there is a one year gap without insurance coverage between my COBRA expiration date and medicare start date. No insurance coverage for a year! How the heck I supposed to get my follow ups and all kind of scans to ensure the cancer does not come back?? My health is getting better now and I hope I will find a job that has group insurance but with the bad job market and my medical issues, it will be much more challenging to find work. Worst case, if I could not find a job by then, should I drop my SSD and re-apply for SSI which will put me on medcaid? If this option doesnt work then I may have to continue borrowing money to pay for individual health insurance plan after my COBRA has exhaused but not sure if any insurance companies would accept me with pre-existing condition. That brings another question, HIPAA. I know it helps me get into group plan without worrying about any pre-existing conditions but does it also apply to individual health insurance plan? Thanks for reading and any help would be greatly appreciated!
Diagnosed with Nasopharyngeal Carcinoma Stage IV in July 2011. Completed 7 weeks of radiation treatment with Cisplatin every 3rd week and 3 additional sessions of Cisplatin with 5FU.