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 Post subject: Need to get insured.
PostPosted: Fri Jan 11, 2013 6:45 pm 
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I am at a point in my life where I don't smoke, I'm off all opiates and other meds, I'm healthy, etc. Same for my husband. We're "independent contractors" so we don't have insurance through work and have not been insured since we were teens on our parent's plans. We've been denied twice so far for IV drug use/ substance abuse.

Is PCIP (the bridge high risk insurance until Obama care takes effect) my only option? So far I've told the truth about our history for fear that they'd find something out on their own anyways but now I'm starting to wonder if that was smart.

I just don't know and I'm frutrated. Any similar experience with this? Now clean and trying to get insurance?


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PostPosted: Fri Jan 11, 2013 10:31 pm 
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YES,,,,,

TOTALLY feel your pain........

except Im still ON suboxone, and my husband is bipolar (expensive meds, too) and needs inhalers once in awhile.

So, we have looked ALL OVER for health insurance,,,, they say dumb shit like you have to pay $800 a MONTH for six months, then You START to have coverage but your "deductable" is like
TEN THOUSAND a year or something???

i don't even understand it. ....
there's NO WAY we could pay 800 a month anyways, so I get frustrated easily.....

we both have descent jobs for where we live, don't qualify for 'assistance' or anything, but our son is on state insurance,
becuase really there's NO OTHER option, and we just pay a high co-pay for everything,,,
which IM okay with, don't get me wrong, I'm just glad HES got medical insurance.

anyways, it SUCKS..... if ONLY I Could find PERSCRIPTION coverage even, ID be HAPPY!!!!

but nope, no luck there, either.

let me know if you figure anything out.

Im in Oregon, by the way

_________________
anyone can give up,
its the easiest thing in the world to do, but to
hold it together, when everyone would understand if you fell apart
That's TRUE STRENGTH
http://almostoneyearclean.blogspot.com/


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PostPosted: Fri Jan 11, 2013 11:19 pm 
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Aw that stinks, Amber. I know what you mean.. it's tough out there and we don't have as many issues.

I'm prepared to pay that much but insurance companies aren't even giving us an option, they're just denying us. We haven't tried high risk insurance yet, was hoping we wouldn't have to but I guess that's what we are.

My main reason for wanting/ needing insurance (and quickly) is that we're trying to get pregnant. I haven't let it stopped me from trying though.. We are just going with the flow right now.. if we get pregnant before insurance happens, worst case scenario is we'll just pay for everything out right. I don't know.. It's good to know you can get your baby insured separately though. I didn't know that.


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PostPosted: Fri Jan 11, 2013 11:35 pm 
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Location: oregon coast
the clinic that I see my doctor at,,, for suboxone and everything else too, my husband
also sees another dr. there.......

they are a "non profit" clinic/hospital
and I was talking to the dr. about IF we ever got pregnant again, well they do have thier own
"private health insurance/assistance" plan,
where you pay some % of the bills, and they "write off the rest"
(any bill like surgeries, hosp stays, check ups, etc)

they do that NOW, with all my sub appts and my husband's dr. appts.

we make too much money for the "financial assistance" this is a different program I'm talking about....

anyways, this clinic is called "Providence"

http://www2.providence.org/pages/default.aspx

I don't know if they have one anywhere close to you, but maybe if you could find a non-profit organization like
this, you could get a "plan" like this , at least.
and have SOME KIND of insurance???

_________________
anyone can give up,
its the easiest thing in the world to do, but to
hold it together, when everyone would understand if you fell apart
That's TRUE STRENGTH
http://almostoneyearclean.blogspot.com/


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