Ever since my legs decided to practically quit on me (which lead to my diagnosis), I have had nothing but bad things happen. There are some days that I'll choose to stay in bed half the day just so I don't have to deal with anything. Dealing with MS is bad enough, but when everything else happens at once, it's impossible. It is all connected to the MS, but I wonder, will all the crap ever stop and I can just move on for once?
From the second I got sick, my employer wanted nothing more than to kick me out that door. Luckily for them, I had just started the job, so that's exactly what happened. I can understand that, but what I don't understand is why they waited 6 weeks to file the paperwork! This caused huge insurance problems, and I didn't know until they started rejecting my bills. Well, one of those charges would have been whatever it costs for a month of Avonex, so I had no choice but to pay for the cobra, at least in the beginning.
Most insurance stops at the end of the month, but this stupid workplace cuts you off the day you quit. I had no way of knowing this, so that added another 15 days to the cobra charge I knew nothing about until two weeks ago. When I talked to HR about the problem (after all, why should I be punished for their lack of professionalism), all that happened was I yelled at them and told them how worthless they were, causing them to hang up on me. At least it felt good to tell one person what I really think of the company. It did nothing for my financial problems though.
Even though insurance paid for my MRIs in December that led to diagnosis, it still left me with a massive bill. I requested financial assistance, but the stupid lady didn't even send me the paperwork I requested! I had to call again and I finally got it this week, but not before they tried to get me to pay full price for last month's labs when I clearly told them my cobra bill had been paid and they need to file my insurance.
I hope I get approved, but I'm worried my IRA will hurt me. The thing is, if I dipped into it, I'd not only be paying taxes on it but I'd be penalized an extra 10% because I'm not declared disabled at this point (and wouldn't be if I tried). If I have to use that money, then I won't have a dime left to my name, and there goes my retirement money so I'll never have a chance at security. Even if I get approved, I still have more old labs that won't be covered, and that's another expense that would have already been paid but I didn't even get the bill in the mail even though it's being shown as late on my account.
I had to have labs drawn again today, and when I told the girl I had the same insurance as before, she said the hospital rejected it. She tried to add it and couldn't. It's really sad when they'd rather me be a charity case than to bill my insurance and actually get money out of it. She got me in anyway since I'm applying for assistance, but this is crazy! I have never heard of such a stupid thing in my life, and I'm scared to find out what'll happen next month when I have to have my last set of labs drawn.
I'm scheduled to see my neuro on Friday, and I'm scared to find out what'll happen with that too. I get the feeling it's going to be more bs (it's the same hospital), and I just can't deal with it anymore. I will not pay a penny more than my copay, and if they expect otherwise, I will walk out of there, never to return. I'm not even going to put up with someone treating me like I'm some deadbeat loser who doesn't pay their bills and participates in insurance fraud.
I also just got a bill the other day from a dr visit that was supposed to be considered free preventive care. What the insurance company actually means is any penny that is charged for labs they'll consider an excessive charge, leaving me to foot the bill for their "free" wellness exam. I don't get how it can be "excessive" when I went to their preferred dr in a clinic that is affiliated with the hospital (I worked at the hospital so the insurance is through that company). I still haven't disputed it yet, but I know it's not going to get me anywhere but deeper in the hole.
I am so tired of all these bad things happening. I keep thinking, surely it's got to get better, but it never does. I'll even start off my day feeling good about something, only to get yet more bad news in the mail. My parents are the ones paying for my insurance, and I feel like I'm just wasting their money for nothing.
I did a lot of job hopping last year (left my 5 year job for what I thought would be a better place, only to absolutely hate it and moved on to the last place I worked when all this happened), and the only thing I accomplished was screwing everything up. Had I never left my longtime job, none of this would even be an issue. I would have had good insurance, short term disability pay for 3 months (so my savings wouldn't have been touched by this point), and FMLA coverage so I'd still be considered employed right now.
I can't help but wonder if I would still have the ability to work right now if I never left that job. My second job left me so angry every single day, I just couldn't deal with it. It was so bad that every Saturday night I'd already get angry because I only had one day left away from there. I don't think I've ever been so angry in my life, until I had to start dealing with the aftermath of my latest stupid decision (moving to that 3rd job).
I've dug myself such a deep hole, I don't know how I'll ever get out of it. Sometimes I wish something would happen to me just so I don't have to wake up and deal with yet another day of disappointment and frustration. If something good would actually happen for a change, maybe I would have something to fight for, but it seems like good things don't happen in my life. That only happens for other people, and I'm sick of it. Sorry for the long rant, but what do you do when you have nothing to look forward to because only bad things keep happening?
From the second I got sick, my employer wanted nothing more than to kick me out that door. Luckily for them, I had just started the job, so that's exactly what happened. I can understand that, but what I don't understand is why they waited 6 weeks to file the paperwork! This caused huge insurance problems, and I didn't know until they started rejecting my bills. Well, one of those charges would have been whatever it costs for a month of Avonex, so I had no choice but to pay for the cobra, at least in the beginning.
Most insurance stops at the end of the month, but this stupid workplace cuts you off the day you quit. I had no way of knowing this, so that added another 15 days to the cobra charge I knew nothing about until two weeks ago. When I talked to HR about the problem (after all, why should I be punished for their lack of professionalism), all that happened was I yelled at them and told them how worthless they were, causing them to hang up on me. At least it felt good to tell one person what I really think of the company. It did nothing for my financial problems though.
Even though insurance paid for my MRIs in December that led to diagnosis, it still left me with a massive bill. I requested financial assistance, but the stupid lady didn't even send me the paperwork I requested! I had to call again and I finally got it this week, but not before they tried to get me to pay full price for last month's labs when I clearly told them my cobra bill had been paid and they need to file my insurance.
I hope I get approved, but I'm worried my IRA will hurt me. The thing is, if I dipped into it, I'd not only be paying taxes on it but I'd be penalized an extra 10% because I'm not declared disabled at this point (and wouldn't be if I tried). If I have to use that money, then I won't have a dime left to my name, and there goes my retirement money so I'll never have a chance at security. Even if I get approved, I still have more old labs that won't be covered, and that's another expense that would have already been paid but I didn't even get the bill in the mail even though it's being shown as late on my account.
I had to have labs drawn again today, and when I told the girl I had the same insurance as before, she said the hospital rejected it. She tried to add it and couldn't. It's really sad when they'd rather me be a charity case than to bill my insurance and actually get money out of it. She got me in anyway since I'm applying for assistance, but this is crazy! I have never heard of such a stupid thing in my life, and I'm scared to find out what'll happen next month when I have to have my last set of labs drawn.
I'm scheduled to see my neuro on Friday, and I'm scared to find out what'll happen with that too. I get the feeling it's going to be more bs (it's the same hospital), and I just can't deal with it anymore. I will not pay a penny more than my copay, and if they expect otherwise, I will walk out of there, never to return. I'm not even going to put up with someone treating me like I'm some deadbeat loser who doesn't pay their bills and participates in insurance fraud.
I also just got a bill the other day from a dr visit that was supposed to be considered free preventive care. What the insurance company actually means is any penny that is charged for labs they'll consider an excessive charge, leaving me to foot the bill for their "free" wellness exam. I don't get how it can be "excessive" when I went to their preferred dr in a clinic that is affiliated with the hospital (I worked at the hospital so the insurance is through that company). I still haven't disputed it yet, but I know it's not going to get me anywhere but deeper in the hole.
I am so tired of all these bad things happening. I keep thinking, surely it's got to get better, but it never does. I'll even start off my day feeling good about something, only to get yet more bad news in the mail. My parents are the ones paying for my insurance, and I feel like I'm just wasting their money for nothing.
I did a lot of job hopping last year (left my 5 year job for what I thought would be a better place, only to absolutely hate it and moved on to the last place I worked when all this happened), and the only thing I accomplished was screwing everything up. Had I never left my longtime job, none of this would even be an issue. I would have had good insurance, short term disability pay for 3 months (so my savings wouldn't have been touched by this point), and FMLA coverage so I'd still be considered employed right now.
I can't help but wonder if I would still have the ability to work right now if I never left that job. My second job left me so angry every single day, I just couldn't deal with it. It was so bad that every Saturday night I'd already get angry because I only had one day left away from there. I don't think I've ever been so angry in my life, until I had to start dealing with the aftermath of my latest stupid decision (moving to that 3rd job).
I've dug myself such a deep hole, I don't know how I'll ever get out of it. Sometimes I wish something would happen to me just so I don't have to wake up and deal with yet another day of disappointment and frustration. If something good would actually happen for a change, maybe I would have something to fight for, but it seems like good things don't happen in my life. That only happens for other people, and I'm sick of it. Sorry for the long rant, but what do you do when you have nothing to look forward to because only bad things keep happening?
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