Re: Insurance

[Guest guest]

could u please tell me more about the katie becket waiver & Access. ive never

heard of this. i have a 41/2 yr old son with Charge. our insurance covers

most but we have gone in to debt due to medical bills etc, to care for our

son. because of my husbands income we are not eligable for any help. we call

him our million dollar baby. we live on long island, new york. thanks for any

info.

tiffi

[Guest guest]

Hi Tiff,

do you have care at home Medicaid for your son? That doesn't go by income

it's for long term care for children. Do you have a case manager that helps

you with all the insurance questions? I don't know about Suffolk County, but

in Nassau we have 3 major agencies: St.'s,St. Ottile and

Renaissance. Do you use any of those? They help you get the benefits from the

Becket fund....as far as I know.....What school does your son go to?

hope that helped a bit ,I can find out more for you if you need.

Lee

[Guest guest]

hi lee,

yes we looked into care at home, we were not eligable because our private

insurance paid for the 24 hr nursing care. were not eligable for medicad

either. believe me, i have exhausted myself looking into ways to help defer

the cost. it has gotten better over the yrs, but its hard to overcome what

hole were in. frankie now attends st. charles, but he's graduating in june,

he will to thru the summer but in sept. he will be going to forest brook, in

st. james, i think. its right near me. thanks for the info.

tif

[Guest guest]

Tiffi--

There is a disability medicaid that is different from just plain old medicaid.

This one is based on the disabilities

that your child has. From what I understand there is a certain amount of

income that you can have and anything over

that you would basically pay to the state to bring your income down to that

amount. It left us with a large spend down

but there were several deductions that our case manager took to get that spend

down lower and more resonable. (The

first person that I talked to did not know about the deductions) So we will pay

the spend down amount and medicaid will

cover the rest. You can open and close it depending on what your medical bills

are each month. At first I didn't

think it would be worth it to do this because our spend down seemed so high,

but for the few weeks Josh was in the

hospital I think it will defenantly be worth it.

Tippy3286@... wrote:

> From: Tippy3286@...

>

> could u please tell me more about the katie becket waiver & Access. ive never

> heard of this. i have a 41/2 yr old son with Charge. our insurance covers

> most but we have gone in to debt due to medical bills etc, to care for our

> son. because of my husbands income we are not eligable for any help. we call

> him our million dollar baby. we live on long island, new york. thanks for any

> info.

> tiffi

>

> ------------------------------------------------------------------------

> Give back to your community through " Grow to Give. "

> http://www.ONElist.com

> See homepage for details.

> ------------------------------------------------------------------------

> 4th International CHARGE Syndrome Conference, Houston, Texas, July

> 23-25, 1999.

> For information about the CHARGE Syndrome Foundation or to become a member

please contact marion@....

[Guest guest]

Tiffi-

We are in a similar situation, I think. My husband has good insurance

thru his employer. But for the copays and deductibles (and if Aubrie

ever goes beyond the lifetime max on insurance), we are enrolled with

the Division of Specialized Care for Children. This is the Dept of

Special Health Care Needs that Jeanne mentioned. I don't know what it

would be called in NY. There is an income requirement, but we were able

to make it just under the wire. There are many exemptions, so you can't

just go by your taxable income. It would probably be worth it to go

thru the application process even if you think you won't qualify. It

doesn't cover all of Aubrie's medical conditions, but it covers most.

And it covers hearing aides, glasses, etc. We didn't qualify for the

Beckett Waiver -- I can't remember what the qualifications are

here. I think it involved more severe medical needs than Aubrie has.

Good luck!!

Michele

mom to Aubrie (17 mos) CHaRgE and (7yrs), wife to DJ, in IL

westml@...

[Guest guest]

Michele - I agree with retrying for MA. We didn't qualify financially

either, but did medically. The thought that they look at here in

Georgia is " could this child qualify for nursing home status? " For example,

because of 's medical conditions, it was determined that she should

could get daily care here at home, or permanently at an institution (nursing

home type care.) Aubrie's vision and hearing would qualify her alone here.

Talk to your pediatrician about it too - they seem to have some creative

wording skills that may sway the MA board. Good luck!

Amy - mom to and

[Guest guest]

Jeanne-

Thanks for the MA info. I will take a look at it again to be sure. I

think part of it was our income and assets.

Michele

mom to Aubrie (17 mos) CHaRgE and (7yrs), wife to DJ, in IL

westml@...

[Guest guest]

Amy-

I don't know if Aubrie would qualify or not. Her vision impairment is

not too bad. Good vision in one eye and extremely poor in the other.

Her hearing may be fine, or may be in the mild to moderate range. Her

health is good now. So I don't think she'd qualify based on the

institutional care v. home care idea. She has gotten nursing care from

our Dept of Rehab Services based on this idea. But she's due for her

annual review this month and I really don't think she'll qualify again.

We'll see how that goes and I'll have to look into our state's

qualifications for MA again.

Michele

mom to Aubrie (17 mos) CHaRgE and (7yrs), wife to DJ, in IL

westml@...

[Guest guest]

Donna,

One thing you really don't want to do is wait more than 30 days after your Cobra

expires. Then you'll have a heck of a time getting insured.

I would start by doing a google search for Healthcare Companies in GA, and your

City. Other than this, I'd call your Insurance Commissioner, they can help you

in finding a new Insurance Co. that will meet your needs.

Hope this helps some,

~Tommie~

www.myspace.com/tommiejj

PH, CFS, FMS, Diabetes, Sleep Apnea, Restless Leg Syndrome

Don't waste energy second-guessing what you're missing or

what can go awry. If you put enough energy into doubt,

something will undoubtedly go wrong.

Instead, focus on the positive possibilities with a hopeful attitude.

Insurance

Hi Everyone,

I have a silly question. I just found out yesterday that my cobra

insurance is ending in Oct. For some reason I misunderstood and

thought it lasted longer but anyway, Is there anyone that was able to

get insurance after their insurance ended? I know I have preexisting

illnesses but I just thought I would ask the group. If anyone was able

to find insurance, please let me know!!

Thanks,

Donna in GA

[Guest guest]

try kaiser

i am in GA too. HMO;s dont have a pre-existing condition, but dont know

about cost

ruth

> Hi everyone,

> I have a silly question for the group. I just found out yesterday that

> I will be losing my insurance in OCT and I was wondering if anyone has

> ever faced this dilemma and if so which insurance did you find that

> would cover you? I know I am probably dreaming to think that an

> insurance company would cover after having preexisting illnesses but I

> won't know unless I ask. If anyone had been lucky in finding a company

> to cover them, please let me know. I am in Georgia

>

> Donna

>

>

>

--

Ruth Molenaar

New: http://paisleycatpenandneedle.blogspot.com/

[Guest guest]

Thank-you Tommie!! I really appreciate your help

Donna

To: Hugs-N-Pain

From: tommie_jones@...

Date: Tue, 19 Aug 2008 12:33:14 -0500

Subject: Re: Insurance

Donna,

One thing you really don't want to do is wait more than 30 days after your Cobra

expires. Then you'll have a heck of a time getting insured.

I would start by doing a google search for Healthcare Companies in GA, and your

City. Other than this, I'd call your Insurance Commissioner, they can help you

in finding a new Insurance Co. that will meet your needs.

Hope this helps some,

~Tommie~

www.myspace.com/tommiejj

PH, CFS, FMS, Diabetes, Sleep Apnea, Restless Leg Syndrome

Don't waste energy second-guessing what you're missing or

what can go awry. If you put enough energy into doubt,

something will undoubtedly go wrong.

Instead, focus on the positive possibilities with a hopeful attitude.

Insurance

Hi Everyone,

I have a silly question. I just found out yesterday that my cobra

insurance is ending in Oct. For some reason I misunderstood and

thought it lasted longer but anyway, Is there anyone that was able to

get insurance after their insurance ended? I know I have preexisting

illnesses but I just thought I would ask the group. If anyone was able

to find insurance, please let me know!!

Thanks,

Donna in GA

[Guest guest]

You're welcome Donna. I don't know if other States have started this yet. But

here in Oklahoma we have a new healthcare insurance program that the premiums

are based on your income. Would be nice if you have something like this there.

Your Insurance Commissioner would be able to tell you if you do.

~Tommie~

www.myspace.com/tommiejj

PH, CFS, FMS, Diabetes, Sleep Apnea, Restless Leg Syndrome

Don't waste energy second-guessing what you're missing or

what can go awry. If you put enough energy into doubt,

something will undoubtedly go wrong.

Instead, focus on the positive possibilities with a hopeful attitude.

Insurance

Hi Everyone,

I have a silly question. I just found out yesterday that my cobra

insurance is ending in Oct. For some reason I misunderstood and

thought it lasted longer but anyway, Is there anyone that was able to

get insurance after their insurance ended? I know I have preexisting

illnesses but I just thought I would ask the group. If anyone was able

to find insurance, please let me know!!

Thanks,

Donna in GA

[Guest guest]

I can't work. Due to the chronic pain. And the spasms attacks. So, I am on

SSI and DSHS.

You should try getting into that. Or have you tried? It did however take me

3 years to get on DSHS, and another 3 to get on SSI. But it's worth it

though. I even had to have an attorney for getting on SSI. My mild

depression is what got me in. I also have anxiety. I am just a mess. And I

am only 30 years old.

      

Check me out on:

Myspace: http://myspace.com/ctr625

Facebook: http://www.facebook.com/home.php?#/profile.php?id=502509057

~*~*~*~*~*~*~*~

Check out my kitty Otis on:

Caster

~*~*~*~*~*~

" The only people you need in your life are the ones that need you in thiers "

~*~*~*~*~*~*

" There comes a point in your life, when you realize who matters, who never

did, who won't anymore, and always will. So don't worry about people from

your past, there's a reason why they didn't make it to your future. "   



 

-- Re: Insurance

My name is Carolyn and I have FMS/CFS and some arthritis and my husband

has had several failed back surgeries and also arthritis among a few

other problems so we have a lot of pain in our house. I wanted to see if I

could help Donna w/her Cobra. I have understood that even w/preexisting

conditions, if you have had continuous coverage that they HAVE to cover you;

that's the good news--the bad news is I'm sure it is pricey. I'm on Cobra

myself right now and it expires in March, 09 and need to find a policy

myself. Good luck, Donna!! C:o)

& Carolyn McElroy

MCELWOLF@...

" The Lord your God is with you, he is mighty to save. He will

take great delight in you, he will quiet you with his love, he will rejoice

over you with singing. " Zephaniah 3:17

Isaiah 40:31

But they that wait upon the LORD shall renew their strength; they shall

mount up with wings as eagles; they shall run, and not be weary; and they

shall walk, and not faint.

Insurance

Hi Everyone,

I have a silly question. I just found out yesterday that my cobra

insurance is ending in Oct. For some reason I misunderstood and

thought it lasted longer but anyway, Is there anyone that was able to

get insurance after their insurance ended? I know I have preexisting

illnesses but I just thought I would ask the group. If anyone was able

to find insurance, please let me know!!

Thanks,

Donna in GA

[Guest guest]

What is DSHS? What do you have? I am so very sorry for what you are going

through! At least I'm 56 so it wasn't so horribly bad when I was younger. I'm

truly sorry, ! God Bless! Hugs, C:o)

& Carolyn McElroy

MCELWOLF@...

" The Lord your God is with you, he is mighty to save. He will

take great delight in you, he will quiet you with his love, he will rejoice

over you with singing. " Zephaniah 3:17

Isaiah 40:31

But they that wait upon the LORD shall renew their strength; they shall mount up

with wings as eagles; they shall run, and not be weary; and they shall walk, and

not faint.

Insurance

Hi Everyone,

I have a silly question. I just found out yesterday that my cobra

insurance is ending in Oct. For some reason I misunderstood and

thought it lasted longer but anyway, Is there anyone that was able to

get insurance after their insurance ended? I know I have preexisting

illnesses but I just thought I would ask the group. If anyone was able

to find insurance, please let me know!!

Thanks,

Donna in GA

[Guest guest]

hi shannon just hang in there look  at the good thing you are 30 and done got

ssi that is great there is soe good depresson meds out there if you get on one

of them it would help i am here to talk to you when ever you want donnieKY

Insurance

Hi Everyone,

I have a silly question. I just found out yesterday that my cobra

insurance is ending in Oct. For some reason I misunderstood and

thought it lasted longer but anyway, Is there anyone that was able to

get insurance after their insurance ended? I know I have preexisting

illnesses but I just thought I would ask the group. If anyone was able

to find insurance, please let me know!!

Thanks,

Donna in GA

[Guest guest]

Thanks Donnie.

I am on Cymbalta for the mild depression. It works. I only take it twice a

day. It's the only one that works. I tried Neoroton. It worked for awhile.

But it stopped. And at the time, the state wasn't paying for the Cymbalta.

My doctor gave me a couple of months of free samples of Cymbalta.

I only get mild depression, when I am in pain, and having the spasms.

Because I can't do anything at all. But be in bed. Which I hate. It really

does take over your life, though. I DO have a social life, and I have the

most awesome friends EVER. They are so understanding when I have to cancel

at the last miniute because of pain and spasms. Speaking of which, I am

going to go and rest. 'Cause if I don't rest and overdo it, the spasms will

get bad and so will the pain. Thanks again, Donnie.

      

Check me out on:

Myspace: http://myspace.com/ctr625

Facebook: http://www.facebook.com/home.php?#/profile.php?id=502509057

~*~*~*~*~*~*~*~

Check out my kitty Otis on:

Caster

~*~*~*~*~*~

" The only people you need in your life are the ones that need you in thiers "

~*~*~*~*~*~*

" There comes a point in your life, when you realize who matters, who never

did, who won't anymore, and always will. So don't worry about people from

your past, there's a reason why they didn't make it to your future. "   



 

-- Re: Insurance

hi shannon just hang in there look at the good thing you are 30 and done

got ssi that is great there is soe good depresson meds out there if you get

on one of them it would help i am here to talk to you when ever you want

donnieKY

Insurance

Hi Everyone,

I have a silly question. I just found out yesterday that my cobra

insurance is ending in Oct. For some reason I misunderstood and

thought it lasted longer but anyway, Is there anyone that was able to

get insurance after their insurance ended? I know I have preexisting

illnesses but I just thought I would ask the group. If anyone was able

to find insurance, please let me know!!

Thanks,

Donna in GA

[Guest guest]

http://www1.dshs.wa.gov/ though this is WA site. What state do you live in?

Here is info on SSI:

http://www.ssa.gov/ I hope this helps.

There is no name yet to my chronic pain. I just call it moderate to severe

chornic pain. I have it in my hips, thighs, legs, feet, and ankles. I also

have BAD edma. (swelling) My feet goes numb if I stand for 2 minutes or more

My feet burn really bad if I am out and about, like shopping and doing a

lot of walking for like 2 or 4 hours. I also have spasms attacks. Really bad

ones to the point, I can't hold anything in my hands, and I can't walk up or

down the stairs. I also have anxiety. And mild depression. I am on like 9

prescriptions. I hate it. Some days, I am fine, and can walk up and down the

stairs, or even shop or hang out with friends all day, or walk across the

street just fine. But sometimes, I have really bad days, to the point where

I can't even walk up or down stairs. Or can't even get outside at all. I

walk SOOO SLOW. I've been doing stretching, and that is helping, with my

legs not being stiff every morning. I am also exhausted all the time.

Because I have troubles sleeping at night. I try not to sleep during the day

but I always lose that battle. I have to rest before I do ANYTHING for at

least an hour or 2. If I don't, it will be a bad day.

Anyway, let me know if info has helped you or not with DSHS and SSI. I hope

you are doing well.

      

Check me out on:

Myspace: http://myspace.com/ctr625

Facebook: http://www.facebook.com/home.php?#/profile.php?id=502509057

~*~*~*~*~*~*~*~

Check out my kitty Otis on:

Caster

~*~*~*~*~*~

" The only people you need in your life are the ones that need you in thiers "

~*~*~*~*~*~*

" There comes a point in your life, when you realize who matters, who never

did, who won't anymore, and always will. So don't worry about people from

your past, there's a reason why they didn't make it to your future. "   



 

-- Re: Insurance

What is DSHS? What do you have? I am so very sorry for what you are going

through! At least I'm 56 so it wasn't so horribly bad when I was younger. I

m truly sorry, ! God Bless! Hugs, C:o)

& Carolyn McElroy

MCELWOLF@...

" The Lord your God is with you, he is mighty to save. He will

take great delight in you, he will quiet you with his love, he will rejoice

over you with singing. " Zephaniah 3:17

Isaiah 40:31

But they that wait upon the LORD shall renew their strength; they shall

mount up with wings as eagles; they shall run, and not be weary; and they

shall walk, and not faint.

Insurance

Hi Everyone,

I have a silly question. I just found out yesterday that my cobra

insurance is ending in Oct. For some reason I misunderstood and

thought it lasted longer but anyway, Is there anyone that was able to

get insurance after their insurance ended? I know I have preexisting

illnesses but I just thought I would ask the group. If anyone was able

to find insurance, please let me know!!

Thanks,

Donna in GA

[Guest guest]

)

I will check all of that out very soon!! Thank you!!! Have you been checked

for Fibro? It sure has alot of the symptoms. I know just how you feel! I

don't have the burning; but the rest is what my days are like also. I will keep

you in my prayers. Hugs, C:o)

& Carolyn McElroy

MCELWOLF@...

" The Lord your God is with you, he is mighty to save. He will

take great delight in you, he will quiet you with his love, he will rejoice

over you with singing. " Zephaniah 3:17

Isaiah 40:31

But they that wait upon the LORD shall renew their strength; they shall mount up

with wings as eagles; they shall run, and not be weary; and they shall walk, and

not faint.

Insurance

Hi Everyone,

I have a silly question. I just found out yesterday that my cobra

insurance is ending in Oct. For some reason I misunderstood and

thought it lasted longer but anyway, Is there anyone that was able to

get insurance after their insurance ended? I know I have preexisting

illnesses but I just thought I would ask the group. If anyone was able

to find insurance, please let me know!!

Thanks,

Donna in GA

[Guest guest]

Hi Carolyn,

Thanks for responding. I actually have gotten a few ideas. 1. Conversion, I

guess that is where the cobra I am on now goes from being under the hospital

where I worked to being just an independent cobra policy from the state, but the

hospital I worked at doesn't have this kind of program. So 2. is a program with

the state that I got a 1-800 number from an insurance agent that I talked to

today. She told me to wait to closer to the time cobra is going to expire and

then notify them to get a packet. But I appreciate you wanting to help :-)

Donna

To: Hugs-N-Pain

From: mcelwolf@...

Date: Wed, 20 Aug 2008 12:23:41 -0700

Subject: Re: Insurance

My name is Carolyn and I have FMS/CFS and some arthritis and my

husband

has had several failed back surgeries and also arthritis among a few

other problems so we have a lot of pain in our house. I wanted to see if I

could help Donna w/her Cobra. I have understood that even w/preexisting

conditions, if you have had continuous coverage that they HAVE to cover you;

that's the good news--the bad news is I'm sure it is pricey. I'm on Cobra

myself right now and it expires in March, 09 and need to find a policy

myself. Good luck, Donna!! C:o)

& Carolyn McElroy

MCELWOLF@...

" The Lord your God is with you, he is mighty to save. He will

take great delight in you, he will quiet you with his love, he will rejoice

over you with singing. " Zephaniah 3:17

Isaiah 40:31

But they that wait upon the LORD shall renew their strength; they shall

mount up with wings as eagles; they shall run, and not be weary; and they

shall walk, and not faint.

Insurance

Hi Everyone,

I have a silly question. I just found out yesterday that my cobra

insurance is ending in Oct. For some reason I misunderstood and

thought it lasted longer but anyway, Is there anyone that was able to

get insurance after their insurance ended? I know I have preexisting

illnesses but I just thought I would ask the group. If anyone was able

to find insurance, please let me know!!

Thanks,

Donna in GA

[Guest guest]

Hi ,

Thanks for responding. Wow Im so sorry that you're having all these troubles at

such a young age. I am a little bit older, I'm 47. I have actually been fighting

with back problems for the past 20 years. But, they hadn't gotten really bad

until 2 years ago and I had to give up my job as a labor and delivery nurse,

which I loved. I feel totally lost now without doing it. Anyway, Yes I have

applied for SSI. I've been turned down once and now am working on an appeal. I

don't know what DSHS is????

Donna

To: Hugs-N-Pain

From: shanners29@...

Date: Wed, 20 Aug 2008 12:31:25 -0700

Subject: Re: Insurance

I can't work. Due to the chronic pain. And the spasms attacks. So, I

am on

SSI and DSHS.

You should try getting into that. Or have you tried? It did however take me

3 years to get on DSHS, and another 3 to get on SSI. But it's worth it

though. I even had to have an attorney for getting on SSI. My mild

depression is what got me in. I also have anxiety. I am just a mess. And I

am only 30 years old.

      

Check me out on:

Myspace: http://myspace.com/ctr625

Facebook: http://www.facebook.com/home.php?#/profile.php?id=502509057

~*~*~*~*~*~*~*~

Check out my kitty Otis on:

Caster

~*~*~*~*~*~

" The only people you need in your life are the ones that need you in thiers "

~*~*~*~*~*~*

" There comes a point in your life, when you realize who matters, who never

did, who won't anymore, and always will. So don't worry about people from

your past, there's a reason why they didn't make it to your future. "   



 

-- Re: Insurance

My name is Carolyn and I have FMS/CFS and some arthritis and my husband

has had several failed back surgeries and also arthritis among a few

other problems so we have a lot of pain in our house. I wanted to see if I

could help Donna w/her Cobra. I have understood that even w/preexisting

conditions, if you have had continuous coverage that they HAVE to cover you;

that's the good news--the bad news is I'm sure it is pricey. I'm on Cobra

myself right now and it expires in March, 09 and need to find a policy

myself. Good luck, Donna!! C:o)

& Carolyn McElroy

MCELWOLF@...

" The Lord your God is with you, he is mighty to save. He will

take great delight in you, he will quiet you with his love, he will rejoice

over you with singing. " Zephaniah 3:17

Isaiah 40:31

But they that wait upon the LORD shall renew their strength; they shall

mount up with wings as eagles; they shall run, and not be weary; and they

shall walk, and not faint.

Insurance

Hi Everyone,

I have a silly question. I just found out yesterday that my cobra

insurance is ending in Oct. For some reason I misunderstood and

thought it lasted longer but anyway, Is there anyone that was able to

get insurance after their insurance ended? I know I have preexisting

illnesses but I just thought I would ask the group. If anyone was able

to find insurance, please let me know!!

Thanks,

Donna in GA