I've been told im UNISURABLE

By tamsan55 Latest Reply 2009-03-04 21:46:51 -0600
Started 2009-01-28 01:56:28 -0600

I have been trying to get insurance and everyone I have talked to keeps telling me that I'm uninsuable cause of my diabeties the one i did find wants over 300 a month and I have to pay and wait for a year before I can even go to the doctor.. and i really need to see a doctor, ive only been seen by the er doctor in july and nothing since due to i cant pay for it.I take pills and I cant afford it all the time full price even for generic. and the supplies also are outrageous too.. what am i supposed to do? yes there are free clinics, but i dont qualify here for them cause i do have a job and im not homeless and thier sliding scale fees arent nothing that i can afford either other then getting a small discount on supplies i really need to see a doctor full time.i am a mother of 4 and i dont have the extra money to be shelling out but i cant get medicaid or medicare.. so now what??????

13 replies

pop2 2009-03-02 09:41:53 -0600 Report

There is a little hope go to recovery.gov
read what Obama's plan is for people with
pre existing conditions. My cobra insurance will expire and I will need to find other coverage this is so exspensive
and don't cover a lot.I tried other insurance co. but was also denied.

GabbyPA 2009-01-30 16:59:25 -0600 Report

I finally was able to get into a clinic where my visit are $13 and so are my labs. It took a lot to find it. I also have work, and an income, so that is my cost with my income. So there might be hope there. I found them by contacting my local puplic hospital and asking for the "Charity Patient Program" They are the ones that finally got me in touch with the clinic that took me.

My first visit at the clinic was $50, but they also alow payments, so there could be an option there as well. That was a god send for me.

It is hard and frustrating. I know, I was over 8 months without even seeing a doctor after finding out I was diabetic. I'm self employed, uninsured and loosing my income a little more each month. So I really do understand what you are feeling.

The other thing you can do is apply for medicade. Even if you don't think you will qualify. Sometimes if you go thru the process, you can take the rejection letter to the clinic and they will reduce your costs. It is not guaranteed, but it is worth the effort.

There is a LOT you can do on your own. This site helped me incredibly to find what to eat, when to test, how to test...etc. I owe them a lot. You have to be your own advocate. Don't give up. It took me almost a year...so your efforts will pay off.

Bjay 2009-01-30 15:18:41 -0600 Report

Like the others said, don't be afraid to ask your regular doctor or another doctor what their out-of-pocket cost is, it's often much, much lower than what they charge insurance companies and I don't know about the others, but I usually see my doc every 3 months. When I pay out-of-pocket for my visit it can range from $40 - $80. I don't remember what the A1c cost though.

I don't know if this is "legal" or not, but when I was low on funds I found a diabetes educator, she charged $25 for the visits and she consulted with an endo on my regimen.

Are you taking anything now? Or are you not taking any meds? Are you testing yourself…if so, how are your levels? Did you have diabetes during pregnancy with your kids?

2009-01-30 14:17:33 -0600 Report

I received alot of medications and supplies thru the Partnership for Prescription Assistance Program. This program is the one that is endorsed by Montel Williams. And, as someone else stated, alot of the drug companies will provide you with free medications and doctors will give you samples whenever possible. Have you tried going to your local Health and Human Services Department? They may be able to help. It is at least worth a try. Some hospitals also provide charitable assistance.

morris.js 2009-01-30 08:59:34 -0600 Report

Hi Tammy,

I'm not on this site to sell anything, but there are guaranteed issue products thru the state as well as thru individual insurance companies. Of course these are not the greates programs, but they are better than nothing.
Feel free to call me or check out one of my websites listed on my contact info if you want to learn more.

Again, I stress that I do not belong to this community to sell anything. I just wanted you to know there are some options available to you.
John Morris

kdroberts 2009-01-30 08:46:35 -0600 Report

Free clinics, catholic charities, drug companies prescription assistance programs may all help. Best option is to contact your local chapter of United Way and ask if they sponsor a local diabetes association, most do. Contact them and they will be able to help you a lot with local resources.

On the insurance side of things, most states have a high risk pool insurance program which guarantees insurance for uninsurable patients. It may not be cheap but you won't get denied. http://www.healthinsurance.org/risk_pools/

Avera 2009-01-28 22:55:28 -0600 Report

I know that right now with the economy as it is, that many jobs are hard to find. The best advice I can offer is to try and find a job that offers insurance. Job related insurance cannot turn you down for diabetes. If and when you one day quit that job, they have to offer you the insurance when you leave and you can pay for it yourself.

2009-01-28 05:00:31 -0600 Report

I am so sorry Tamsan! It is so irritating trying to do the right thing for your health with nobody willing to help you. I do know of this website, … www.PPARx.org. This site also has a link to another company that you might qualify for. I do know it's income based, but I don't know their guidelines. You will need a primary doctor…they will ship your medicine in I believe a 3 month supply to your doctor for you to pick up. Give it a try, I have a friend who gets his medicine from Lilly via PPARx. I hope you find some relief soon. Your friend, Angie

SkipT 2009-01-28 04:06:38 -0600 Report

As for you medicine you can contact the drug companies directly and tell them your situation. Most of them have programs for people in your situation so that you can get your medicine at a lowered cost.

2009-01-28 04:02:16 -0600 Report

My family doctor has no problem seeing patients whether they have insurance or not.
Sometimes; if you talk to them, or the billing dept., they will cut office visit in half. And often they have meters and medications sent by companies promoting their supplies.
They are able to hand these out.
Please give it a try,
Call your County offices; go through the yellow pages and see what is available for your county, pertaining to your needs. Hope this helps.Claudia