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<blockquote data-quote="susiestar" data-source="post: 427128" data-attributes="member: 1233"><p>I am so so sorry that you are having this cost worry on top of the health and difficult child and other worries. I know exactly how frustrated you are with the wait for treatment, been there done that myself. I also know how hard it is to have your memory just quit working - been a problem from my fibro for a long time now.</p><p> </p><p>The others are right about applying for medicaid to the state. That state paperwork should be the stuff for medicaid as well as the state. Here the state kids ins is called Soonercare and when I filled out the paperwork I was shocked to find that both husband and I were also covered. It was NOT expected, but was a wonderful surprise as even with the federal COBRA subsidy we just couldn't keep up with it. Heck, while we were on COBRA we couldn't afford to see the doctor because the copay just were not possible after we paid the many hundreds of dollars for the ins. SO it is def worth applying.</p><p> </p><p>Don't just send in paperwork. Get on the phone and see how to get qualified.</p><p> </p><p>Also go online and find out if there are free clinics. Do NOT be shy about going. Given that your husband is self employed and the business is having problems, your income may actually qualify esp if you count all the stepkids.</p><p> </p><p>As for medications, <a href="http://www.pparx.org" target="_blank">www.pparx.org</a> is your new best friend. It is the Partnership for Prescription Assistance and has links to ALL the drug company free/reduced price medication programs. Any medications the doctor is thinking about you should check to see if there are programs for on this site. You also need to get a copy of the list of medications covered by Walmart under their $4 per month plan. It is perfectly fine to ask a doctor to think about rxing medications on that list first rather than the newer more expensive medications. What you need may or may not be on that list, but make sure the doctor knows cost is a big factor. The doctor will have to help with the forms for the assistance programs but most docs have no problem with that. </p><p> </p><p>You also need to start the paperwork for disability for yourself. This is through the Social Security Administration. It can be done mostly over the phone and mail or you can make an appointment and go in and they will help. here they are awesomely helpful. When you apply it will automatically be for both disability which you must have X number of credits in the past Y years to get AND it will be for SSI. SSI is supplemental security insurance and it is for those who do not have enough quarters of work that earned X amt of dollars per year. The max amt of income you can have to get this is very low but the paperwork is done automatically when you do the disability paperwork. So be sure that you don't think that if you get denied SSI that you are also denied for disability. They are 2 different balls of wax from one application process. </p><p> </p><p>You MUST set some things into motion to get this stuff organized. A 3 ring binder with folders and sheet protectors inside it will be your best friend. Put things with directions in the sheet protectors and keep copies of everything in the folders or punch holes in them and put them in the rings. Take detailed notes including (esp) the name of who you speak to and the date and what each of you said. If you only get a first name ask for an employee number so that you can say that you talked to Jenny on the 10th and not Jenny Smith but Jenny 2468. </p><p> </p><p>I strongly suggest getting a carbonless order pad from staples. One with THREE copies. then if you tell a kid to do something, write it down. One copy to them, one posted somewhere that you can see easily (bathroom mirror is a good place) and one iether left on hte pad or put into a binder or folder. That way you don't get the "You never told me". Get them to initial it. My mom did this when the lupus and other problems and medications fried her memory. It was truly awful for years. She did this with students, coworkers, even dad and I and gfgbro. It took a LOT of conflict out because she could then see hwat she said, that we agreed to it or at least knew about it, and generally made life a TON easier. Takes some getting used to, but is very helpful. </p><p> </p><p>You should also go to the county health dept. They should have some programs to help both you and difficult child. Will be LONG lines, lots of waiting, but may be very helpful. Don't call because you generally will not get the same answer from any 2 different people over the phone. </p><p> </p><p>Keep some type of puzzles around. Sudoku, crossword, word search, brain games, various nintendo ds games for keeping the brain active. The more of that th\ype of thing that you do the better off you will be. Memory and the brain are muscles as well as anything else. the more you use them the better they will work. You can do online jigsaw puzzles for free at <a href="http://www.jigidi.com" target="_blank">www.jigidi.com</a> and <a href="http://www.jigzone" target="_blank">www.jigzone</a> .com. I prefer jigidi because people upload new puzzles all day every day and jigzone does not. You can also find some cool logic puzzles from Everett Kaiser Software. We have all been hooked on Kaiser's Sherlock for many years and they are only about $10 or $15 to buy. free trials give you five or ten puzzles at each level. If you like crosswords or sudoku or logic puzzles, the kinds in the magazine section of the store, be sure to check out Penny Press's website. They publish many of the puzzle magaziens and you can buy old issues dirt cheap. Years ago I bought about 20 of each of sudoku and logic puzzles. We still enjoy them and they have been much looked forward to Xmas gifts for my family and extended family. I can get thank you to give me about 3 hrs of work for ONE sudoku magazine!!</p><p> </p><p>This is a LOT of info. You may want to print it if you want to work through all the things. One AWESOME memory aid is kind of strange. If you absolutely cannot forget something, and/or are having at tough time learning/remembering it, put notes up by the toilet that you use most often. My mom did this when she went back to college and had to learn different math problems. We only had one bath and I learned with her even though I was in elem school. Having it there means you will read it over and over and it is a big help in remembvering. Studies have shown that ads placed on the walls of restroom stalls yield more resutls than ads placed in many other places. People still think it is strange so many companies won't do it, but it is effective. Also keep postits and a pen or pencil in the bathroom - you will think of things as you wash hands, do makeup, etc.... and being able to write them down will help you remember. My parents do that with messages to each toher that they want to be remembered. It really cut down on the "you never told me" arguments.</p><p> </p><p>Many big hugs. I know this is a LOT piled on top of the difficult child junk. I am glad the doctor is also checking for a tumor. Any scan should check for that while they are there.</p></blockquote><p></p>
[QUOTE="susiestar, post: 427128, member: 1233"] I am so so sorry that you are having this cost worry on top of the health and difficult child and other worries. I know exactly how frustrated you are with the wait for treatment, been there done that myself. I also know how hard it is to have your memory just quit working - been a problem from my fibro for a long time now. The others are right about applying for medicaid to the state. That state paperwork should be the stuff for medicaid as well as the state. Here the state kids ins is called Soonercare and when I filled out the paperwork I was shocked to find that both husband and I were also covered. It was NOT expected, but was a wonderful surprise as even with the federal COBRA subsidy we just couldn't keep up with it. Heck, while we were on COBRA we couldn't afford to see the doctor because the copay just were not possible after we paid the many hundreds of dollars for the ins. SO it is def worth applying. Don't just send in paperwork. Get on the phone and see how to get qualified. Also go online and find out if there are free clinics. Do NOT be shy about going. Given that your husband is self employed and the business is having problems, your income may actually qualify esp if you count all the stepkids. As for medications, [URL="http://www.pparx.org"]www.pparx.org[/URL] is your new best friend. It is the Partnership for Prescription Assistance and has links to ALL the drug company free/reduced price medication programs. Any medications the doctor is thinking about you should check to see if there are programs for on this site. You also need to get a copy of the list of medications covered by Walmart under their $4 per month plan. It is perfectly fine to ask a doctor to think about rxing medications on that list first rather than the newer more expensive medications. What you need may or may not be on that list, but make sure the doctor knows cost is a big factor. The doctor will have to help with the forms for the assistance programs but most docs have no problem with that. You also need to start the paperwork for disability for yourself. This is through the Social Security Administration. It can be done mostly over the phone and mail or you can make an appointment and go in and they will help. here they are awesomely helpful. When you apply it will automatically be for both disability which you must have X number of credits in the past Y years to get AND it will be for SSI. SSI is supplemental security insurance and it is for those who do not have enough quarters of work that earned X amt of dollars per year. The max amt of income you can have to get this is very low but the paperwork is done automatically when you do the disability paperwork. So be sure that you don't think that if you get denied SSI that you are also denied for disability. They are 2 different balls of wax from one application process. You MUST set some things into motion to get this stuff organized. A 3 ring binder with folders and sheet protectors inside it will be your best friend. Put things with directions in the sheet protectors and keep copies of everything in the folders or punch holes in them and put them in the rings. Take detailed notes including (esp) the name of who you speak to and the date and what each of you said. If you only get a first name ask for an employee number so that you can say that you talked to Jenny on the 10th and not Jenny Smith but Jenny 2468. I strongly suggest getting a carbonless order pad from staples. One with THREE copies. then if you tell a kid to do something, write it down. One copy to them, one posted somewhere that you can see easily (bathroom mirror is a good place) and one iether left on hte pad or put into a binder or folder. That way you don't get the "You never told me". Get them to initial it. My mom did this when the lupus and other problems and medications fried her memory. It was truly awful for years. She did this with students, coworkers, even dad and I and gfgbro. It took a LOT of conflict out because she could then see hwat she said, that we agreed to it or at least knew about it, and generally made life a TON easier. Takes some getting used to, but is very helpful. You should also go to the county health dept. They should have some programs to help both you and difficult child. Will be LONG lines, lots of waiting, but may be very helpful. Don't call because you generally will not get the same answer from any 2 different people over the phone. Keep some type of puzzles around. Sudoku, crossword, word search, brain games, various nintendo ds games for keeping the brain active. The more of that th\ype of thing that you do the better off you will be. Memory and the brain are muscles as well as anything else. the more you use them the better they will work. You can do online jigsaw puzzles for free at [URL="http://www.jigidi.com"]www.jigidi.com[/URL] and [url]www.jigzone[/url] .com. I prefer jigidi because people upload new puzzles all day every day and jigzone does not. You can also find some cool logic puzzles from Everett Kaiser Software. We have all been hooked on Kaiser's Sherlock for many years and they are only about $10 or $15 to buy. free trials give you five or ten puzzles at each level. If you like crosswords or sudoku or logic puzzles, the kinds in the magazine section of the store, be sure to check out Penny Press's website. They publish many of the puzzle magaziens and you can buy old issues dirt cheap. Years ago I bought about 20 of each of sudoku and logic puzzles. We still enjoy them and they have been much looked forward to Xmas gifts for my family and extended family. I can get thank you to give me about 3 hrs of work for ONE sudoku magazine!! This is a LOT of info. You may want to print it if you want to work through all the things. One AWESOME memory aid is kind of strange. If you absolutely cannot forget something, and/or are having at tough time learning/remembering it, put notes up by the toilet that you use most often. My mom did this when she went back to college and had to learn different math problems. We only had one bath and I learned with her even though I was in elem school. Having it there means you will read it over and over and it is a big help in remembvering. Studies have shown that ads placed on the walls of restroom stalls yield more resutls than ads placed in many other places. People still think it is strange so many companies won't do it, but it is effective. Also keep postits and a pen or pencil in the bathroom - you will think of things as you wash hands, do makeup, etc.... and being able to write them down will help you remember. My parents do that with messages to each toher that they want to be remembered. It really cut down on the "you never told me" arguments. Many big hugs. I know this is a LOT piled on top of the difficult child junk. I am glad the doctor is also checking for a tumor. Any scan should check for that while they are there. [/QUOTE]
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