Having been without health insurance for 15 years, the only way I was able to get my diagnosis was by signing up for Medicaid last spring. However, Welfare has verified that if I get the amount of SSDI that the SS caseworker told me, I'll lose the Medicaid.
I checked into private coverage through my current insurance company, and it looks like the Obamacare subsidies would cover my premiums in full. However, the deductible is nearly $6000, which is slightly more than 1/3 of my projected income. Even though my house is paid off and my lifestyle simple, there's no way I can afford to pay that much. My winter heating bill will take more than 50% of what's left.
I know that Ocrevus has a patient-assistance program, but their website doesn't spell out the particulars. I am assuming that I would still be responsible for paying the facility that administers it, as well as the staff, and I have no idea how much my neuro charges.
Then there are the yearly visits to my GP (for prescription renewal, among other things) and the mammograms that are required for Ocrevus. The daily prescriptions themselves don't bother me, because they're quite affordable through Sam's Club.
I know that there are a lot of people out there without insurance who have been stuck in the 2-year waiting period, but how did you handle it? Any suggestions of what I should do?
i don't know whether to get the private insurance and limit myself to whatever treatment co-pays I can cover, or just skip everything until Medicare kicks in. The Ocrevus alone would max out my deductible, and I already know I can't pay it. If that's already out of the question, would I be better off just paying cash for my necessary PCP visits and skipping everything else for 2 years?
I checked into private coverage through my current insurance company, and it looks like the Obamacare subsidies would cover my premiums in full. However, the deductible is nearly $6000, which is slightly more than 1/3 of my projected income. Even though my house is paid off and my lifestyle simple, there's no way I can afford to pay that much. My winter heating bill will take more than 50% of what's left.
I know that Ocrevus has a patient-assistance program, but their website doesn't spell out the particulars. I am assuming that I would still be responsible for paying the facility that administers it, as well as the staff, and I have no idea how much my neuro charges.
Then there are the yearly visits to my GP (for prescription renewal, among other things) and the mammograms that are required for Ocrevus. The daily prescriptions themselves don't bother me, because they're quite affordable through Sam's Club.
I know that there are a lot of people out there without insurance who have been stuck in the 2-year waiting period, but how did you handle it? Any suggestions of what I should do?
i don't know whether to get the private insurance and limit myself to whatever treatment co-pays I can cover, or just skip everything until Medicare kicks in. The Ocrevus alone would max out my deductible, and I already know I can't pay it. If that's already out of the question, would I be better off just paying cash for my necessary PCP visits and skipping everything else for 2 years?
Comment