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get my eye test results today....
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<blockquote data-quote="susiestar" data-source="post: 432402" data-attributes="member: 1233"><p>(((((hugs))))) i am sorry that it is so scary but very glad that you now know what you need to know. PLEASE check out <a href="http://www.pparx.org" target="_blank">www.pparx.org</a> - it is a site that helps you with ALL of the various drug co programs for free/cheaper medications. You are NOT going to be approved for insurance. Not you and husband as a couple. If he were to set up his business as a group, you MIGHT be able to be included. If you had insurance you would have to be sure to NEVER let it lapse because if you are not covered and have a diagnosis like ms you will NOT be covered. They cannot drop you if you are already covered when you find out about it, but if you are not covered there is no ins co in the country that will touch you.</p><p></p><p>Once you have at least one refusal you can buy into the state's high risk insurance coverage. You have to pick a deductible limit that you can pay at the beginning of each year and after that your medication care is covered at whatever rate your policy says. It is NOT cheap by any means. And any affordable plan has really high deductibles. </p><p></p><p>But you are on the right track. Info is the best tool you can have. I hope that you can get thte medications soon. </p><p></p><p>Much as I HATE to say it, if you were single you might get disability or SSI and medicare/medicaid.</p><p></p><p>I think you need to at least apply for these. If husband's business isn't making a lot of money, you may be able to qualify even though you are not married. You also need to apply for disability for difficult child. It would be a big help for you and open up some doors for her maybe. here the state medicaid is the most often taken type of insurance and many docs only take that. Some are hacks, but many are excellent.</p></blockquote><p></p>
[QUOTE="susiestar, post: 432402, member: 1233"] (((((hugs))))) i am sorry that it is so scary but very glad that you now know what you need to know. PLEASE check out [url]www.pparx.org[/url] - it is a site that helps you with ALL of the various drug co programs for free/cheaper medications. You are NOT going to be approved for insurance. Not you and husband as a couple. If he were to set up his business as a group, you MIGHT be able to be included. If you had insurance you would have to be sure to NEVER let it lapse because if you are not covered and have a diagnosis like ms you will NOT be covered. They cannot drop you if you are already covered when you find out about it, but if you are not covered there is no ins co in the country that will touch you. Once you have at least one refusal you can buy into the state's high risk insurance coverage. You have to pick a deductible limit that you can pay at the beginning of each year and after that your medication care is covered at whatever rate your policy says. It is NOT cheap by any means. And any affordable plan has really high deductibles. But you are on the right track. Info is the best tool you can have. I hope that you can get thte medications soon. Much as I HATE to say it, if you were single you might get disability or SSI and medicare/medicaid. I think you need to at least apply for these. If husband's business isn't making a lot of money, you may be able to qualify even though you are not married. You also need to apply for disability for difficult child. It would be a big help for you and open up some doors for her maybe. here the state medicaid is the most often taken type of insurance and many docs only take that. Some are hacks, but many are excellent. [/QUOTE]
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