[Blueberrybook]

Originally Posted by Innerzone

And it all came crashing down...
Yesterday got a letter informing me I no longer had insurance. So BOOM, just like that, I have no pdoc, no T, no doctor, no meds. I don't even know if I have refills, if I can afford them (probably not, there are quite a few), and if I don't have refills or can't afford them, I'll be doing withdrawals from everything at once, during the crazy busy season at work.

I have a part time minimum wage job, and I'm supposed to be able to make it in the open marketplace??! F'ing seriously??! With all my problems (and now having to worry about "pre-existing conditions" issues)? I also have an arm that is a total mess on top of the psych stuff.

I am ... well, not at all in a good state of mind. Euphemism. They said I can complete some application, but I can't imagine being able to afford them. Also, any application would reflect my wages during the busy season, which are not typical. Even if I can afford anything, how long will this take?

I am in a very, very dark state of mind.

So much for not catastrophizing. It has come to pass. Many expletives...

OMG, I am so sorry. Health insurance in the U.S. SUCKS. We have it, and it still sucks; our deductible is $7500 and each of the 3 of us have to have $2500 medical expenses (paid in full) before the health insurance kicks in. I'm the only one it's kicked in for, thanks to needing an ambulance, trauma surgery, hospital stay, followups. Yeah, it was over $75,000 the hospital alone billed the insurance, not counting the surgeons & GI doctor. So I ran up well beyond $7500 in medical expenses, not that it's paid. I think I'm on the 9 year long payoff plan with the hospital alone ($65 a month to them), the EMS takes $25 a month, the trauma surgeons another $60/month. I am going to be in medical debt forever...

Sorry you don't live around here. The counties near the large cities especially Houston, Dallas, Austin too I think have free to very low sliding scale mental health care. Definitely not the greatest thing around, and they will overprescribe in a jiffy, give you enough Klonopin in a month to last a year (well, that was before they tightened the laws on benzos). It worked better in my college county; around Houston, it's dull & depressing & you wait an age past your appointment time, but at least it is something. They do sliding scale to free, taking into account all your expenses - housing, groceries, children, all your bills, etc. I've had to use it more than I like to get by.

[Blueberrybook]

Originally Posted by Moose72

Pdoc just called. She said it sounds like im coming out of a depressive episode. To hold Trazodone tonight and call tomorrow if i need to but this might help.

Hope she's right, and it helps.

[Blueberrybook]

Originally Posted by TheSeaCat

I am really struggling today, I don't feel as exhausted as I have the past couple of days. I slept really good last night, still need to wash the sheets, I figure I'll do it this weekend.

Work is good; really good. My boss said something really nice to me, but it made me cry; she said she was greatful to have me as her second in command. Went to the bathroom and cried my eyes out. Physican Assistant friend found me and hugged me. He said my old workplace caused so much issues that I can't even be happy over a compliment . He would like to meet my old boss and punch them. He's very sweet and and apparently protective.

We went to lunch together, I find I really like his company. He's still going to tag along to the Cardiologist with me. I honestly can't think him enough. I'm still nervous for this stupid appointment.

Speaking of old workplace; I received a ransom letter from my old insurance company, apparently when I saw my doctor in August, I was not covered and they refuse to cover that visit and the prescriptions they paid for. One of which was Latuda. The bill is literately for $1,450.02 and if I don't pay it it's being sent to a collection agency.

I called and was quite rude to this insurance company. The didn't get the info my insurance was termed until August 16th so of course it still showed my coverage as active at the doctor's office and the pharmacy.

The Physician Assistant said even when I'm no longer a employee they are still finding a way to screw me.

My insurance doesn't care that it was their and the employer's fault. I called my second insurance and it is highly unlikely they will cover the price of Latuda. They will cover my other medications, but I will still probably be on the hook for $1,200 dollars.

I am just so mad right now, I really need my therapist and maybe a punching bag.

The PA and I discussed maybe seeing a movie tomorrow as friends, but right now I am too mad to even think straight.

I feel like i'm finally at a good place and still my old employer is laughing. I really don't know what I did to deserve this, I don't even make that in a month, and I'm being paid quite nicely, but not enough to cover that. I don't know of anyone who can cover that.

Why can't I take a complement from my boss without crying.

Hugs to everyone

On the positive, it sounds like the PA is becoming a good friend. Are you both single and maybe interested in dating down the line?

Sorry about insurance. I wish the jerks running those companies can see just what they do to their normal, non-wealthy or poor but not too poor for Medicaid client base. It is an outrage

[TheSeaCat]

Originally Posted by Innerzone

And it all came crashing down...
Yesterday got a letter informing me I no longer had insurance. So BOOM, just like that, I have no pdoc, no T, no doctor, no meds. I don't even know if I have refills, if I can afford them (probably not, there are quite a few), and if I don't have refills or can't afford them, I'll be doing withdrawals from everything at once, during the crazy busy season at work.

I have a part time minimum wage job, and I'm supposed to be able to make it in the open marketplace??! F'ing seriously??! With all my problems (and now having to worry about "pre-existing conditions" issues)? I also have an arm that is a total mess on top of the psych stuff.

I am ... well, not at all in a good state of mind. Euphemism. They said I can complete some application, but I can't imagine being able to afford them. Also, any application would reflect my wages during the busy season, which are not typical. Even if I can afford anything, how long will this take?

I am in a very, very dark state of mind.

So much for not catastrophizing. It has come to pass. Many expletives...

I'm sorry Innerzone, there is honestly nothing worse than dealing with insurance problems. I hope that you are able to get things wrapped up quickly and that you are able to see your pdoc, T, primary doc, and are able to afford your prescriptions. Some of the drug companies do have like discount cards where your copay is only a certain set price. Might be something to look into. Again I am so sorry this happened at such a bad time.

[TheSeaCat]

Originally Posted by Blueberrybook

On the positive, it sounds like the PA is becoming a good friend. Are you both single and maybe interested in dating down the line?

Sorry about insurance. I wish the jerks running those companies can see just what they do to their normal, non-wealthy or poor but not too poor for Medicaid client base. It is an outrage

He is becoming a friend which scares me because I told myself not to get attached to coworkers, since it ended so badly at the the other place. He's a little older than I usually date, but I could see something happening later on. He's super supportive and I forgot how nice that was.

Oh I am fuming mad over this, I even told them how is this my fault, they were like you are a member; your services were terminated on this day. You are at fault for all fees incurred when you are not a member. I was not very nice to any of them. I am currently on Medicaid since they were always secondary to this insurance, and I barely make enough at this job to still be covered by Medicaid; so I think I am going to stick with Medicaid for a while since I'd rather not repeat this pain I am in.

It honestly is ridiculous how the treat their members, it's highway robbery.

Thank you Blueberry

[rwwff]

Originally Posted by Blueberrybook

I hope the tremors go away with stopping the depakote. Did the pdoc give an estimate of how long he thought it might take to see if they will go away?

Not directly, but I think she expects/hopes to see them gone the next time we meet in a few weeks; basically a week to taper the rest of the way off and then another couple weeks for a new idea of baseline. Sounds fair enough, though patience might be required...

[Blueberrybook]

Originally Posted by TheSeaCat

He is becoming a friend which scares me because I told myself not to get attached to coworkers, since it ended so badly at the the other place. He's a little older than I usually date, but I could see something happening later on. He's super supportive and I forgot how nice that was.

Oh I am fuming mad over this, I even told them how is this my fault, they were like you are a member; your services were terminated on this day. You are at fault for all fees incurred when you are not a member. I was not very nice to any of them. I am currently on Medicaid since they were always secondary to this insurance, and I barely make enough at this job to still be covered by Medicaid; so I think I am going to stick with Medicaid for a while since I'd rather not repeat this pain I am in.

It honestly is ridiculous how the treat their members, it's highway robbery.

Thank you Blueberry

I can't believe you kept it together on the phone. I'm usually screaming at them, throwing around the "F" word and/or crying hysterically. Often, both. Usually, they hang up on me; it never resolves the issue, but the people are just rude and unfeeling, like the same cogs in a machine. I sometimes just have to let H handle the calling. Do you have a friend or family member who could call for you while you listen in, even the PA? Don't know if it will help.

I got billed several thousand dollars for a bad IP experience when I had no insurance and was barely surviving as I was a graduate student. I don't think we made more than minimum wage. They let me check myself in but not out even when I was clearly not a danger to myself or others, they were even adding me to their cargo to tow to nearby AA meetings, which was a joke. I hardly drink. I've probably had 5 glasses of wine my whole life, and 3 of those were one glass each night with our host during Hurricane Ike. The other two, just randomly offered by a dinner host. Oh, and a bit of champagne my graduate professor bought when my paper was accepted for publication and those of us around the lab who didn't have religious objections to drinking had a glass; many of the Hindis in my lab did not drink. So I hardly had a problem with alcohol and never used drugs, but they'd drag me along to AA meetings (a situation clearly off hospital grounds) and still wouldn't let me out of there.

They kept calling and sending collectors, I just ignored them. Finally, I threatened to sue them because even the social worker there was getting confounded by their behavior. I believe she was new, but not stupid and told them she'd back me up on everything, and then and only then 2 or 3 years down the road, did they leave me alone. Thank God for one good social worker.

I swear. What a nightmare.

[wildflowerchild25]

Feeling kinda down today for no reason. Just a tiny bit. I’ve been extremely exhausted the past two days. Coffee is not helping. I’m worried about my usual fall depression showing up. Wouldn’t be good timing. I feel like calling out of work tomorrow because my student won’t be there and I don’t know where they will put me and that’s always anxiety inducing for me. I’m comfortable in my own classroom and being stuck in a new place where I don’t know the routine is a little uncomfortable. But I’m taking two days off next week to go to Tennessee so I won’t call out.

I see my pdoc in ten days so if I don’t feel better or feel worse I at least have that coming up. Maybe it will just be a blip like my hypomania was a blip.

I’m feeling bad about myself because I’m so heavy. The caffeine makes me hungry (I know it’s supposed to suppress your appetite but it has the opposite effect on me) so I’m eating an extra snack in between lunch and dinner. And I’m not choosing healthy food either. I’m also spending too much money on food still. I grab lunch out most days. I only spend like $5 but still, $5x5 is $25 a week. Plus again, it’s not healthy.

Sigh. I have no motivation to eat healthier. Maybe when I’m not feeling down I’ll do better.

At least I’ve still not had a real cigarette. I smell it on other people sometimes and I really want one but then I remember I have to stand outside in the cold and I decide against it. Hopefully by the time spring rolls around I’ll be well into my quit time and won’t want it as much. Winter is a good motivator

It’s supposed to be the first snowfall tomorrow. But it’s not supposed to accumulate so at least there’s that. I have my snow brush ready though just in case. I have an awesome new winter coat I bought that’s very warm. I should find my hat and gloves too. Then I’ll be set.

Hopefully I’m back to normal tomorrow.

[TheSeaCat]

Originally Posted by Blueberrybook

I can't believe you kept it together on the phone. I'm usually screaming at them, throwing around the "F" word and/or crying hysterically. Often, both. Usually, they hang up on me; it never resolves the issue, but the people are just rude and unfeeling, like the same cogs in a machine. I sometimes just have to let H handle the calling. Do you have a friend or family member who could call for you while you listen in, even the PA? Don't know if it will help.

I got billed several thousand dollars for a bad IP experience when I had no insurance and was barely surviving as I was a graduate student. I don't think we made more than minimum wage. They let me check myself in but not out even when I was clearly not a danger to myself or others, they were even adding me to their cargo to tow to nearby AA meetings, which was a joke. I hardly drink. I've probably had 5 glasses of wine my whole life, and 3 of those were one glass each night with our host during Hurricane Ike. The other two, just randomly offered by a dinner host. Oh, and a bit of champagne my graduate professor bought when my paper was accepted for publication and those of us around the lab who didn't have religious objections to drinking had a glass; many of the Hindis in my lab did not drink. So I hardly had a problem with alcohol and never used drugs, but they'd drag me along to AA meetings (a situation clearly off hospital grounds) and still wouldn't let me out of there.

They kept calling and sending collectors, I just ignored them. Finally, I threatened to sue them because even the social worker there was getting confounded by their behavior. I believe she was new, but not stupid and told them she'd back me up on everything, and then and only then 2 or 3 years down the road, did they leave me alone. Thank God for one good social worker.

I swear. What a nightmare.

I was using some very pretty terms to the customer service department, including some pretty F words. I don't handle myself well with those aholes. They suggested I call the secondary insurance company to see if they would cover the full cost. I told the last one to f off and hung up the phone since she essentially blamed me, she's like if you were worried about benefits you should have signed up for COBRA, which is another highway robbery when you don't have a job. The PA came outside and heard my pretty language and told me that I was quite terrifying.

I'm sorry you had such a bad impatient experience. That sounds udderly horrible and I'm sorry you had to deal with all that and get sent to collections. I'm glad that one social worker was on your side. I agree it sounds like a horrible nightmare. I couldn't imagine being forced to attend AA meetings when you don't have that problem.

I used to have a margarita here and there but since I got diagnosed in April I haven't had one drop of alcohol since I have seen some horror stories, my doc said a drink here or there really wouldn't hurt, but it's just easier not having one.

[~Christina]

Originally Posted by Innerzone

And it all came crashing down...

Yesterday got a letter informing me I no longer had insurance. So BOOM, just like that, I have no pdoc, no T, no doctor, no meds. I don't even know if I have refills, if I can afford them (probably not, there are quite a few), and if I don't have refills or can't afford them, I'll be doing withdrawals from everything at once, during the crazy busy season at work.


I have a part time minimum wage job, and I'm supposed to be able to make it in the open marketplace??! F'ing seriously??! With all my problems (and now having to worry about "pre-existing conditions" issues)? I also have an arm that is a total mess on top of the psych stuff.


I am ... well, not at all in a good state of mind. Euphemism. They said I can complete some application, but I can't imagine being able to afford them. Also, any application would reflect my wages during the busy season, which are not typical. Even if I can afford anything, how long will this take?


I am in a very, very dark state of mind.


So much for not catastrophizing. It has come to pass. Many expletives...

Omg ! What the F*#€^ !!!!!!

I’m honestly at a loss for advice other than call and demand answers

I’m so so sorry this is happening to you.

Can you qualify for Medicaid? Just to have some kind of coverage. Can your Pdoc call in refills to allow you to get things sorted ?? Surely there has to be a way to fix this colossal cluster F #€% !

[~Christina]

Originally Posted by TheSeaCat

I am really struggling today, I don't feel as exhausted as I have the past couple of days. I slept really good last night, still need to wash the sheets, I figure I'll do it this weekend.


Work is good; really good. My boss said something really nice to me, but it made me cry; she said she was greatful to have me as her second in command. Went to the bathroom and cried my eyes out. Physican Assistant friend found me and hugged me. He said my old workplace caused so much issues that I can't even be happy over a compliment . He would like to meet my old boss and punch them. He's very sweet and and apparently protective.


We went to lunch together, I find I really like his company. He's still going to tag along to the Cardiologist with me. I honestly can't think him enough. I'm still nervous for this stupid appointment.


Speaking of old workplace; I received a ransom letter from my old insurance company, apparently when I saw my doctor in August, I was not covered and they refuse to cover that visit and the prescriptions they paid for. One of which was Latuda. The bill is literately for $1,450.02 and if I don't pay it it's being sent to a collection agency.


I called and was quite rude to this insurance company. The didn't get the info my insurance was termed until August 16th so of course it still showed my coverage as active at the doctor's office and the pharmacy.


The Physician Assistant said even when I'm no longer a employee they are still finding a way to screw me.


My insurance doesn't care that it was their and the employer's fault. I called my second insurance and it is highly unlikely they will cover the price of Latuda. They will cover my other medications, but I will still probably be on the hook for $1,200 dollars.


I am just so mad right now, I really need my therapist and maybe a punching bag.


The PA and I discussed maybe seeing a movie tomorrow as friends, but right now I am too mad to even think straight.


I feel like i'm finally at a good place and still my old employer is laughing. I really don't know what I did to deserve this, I don't even make that in a month, and I'm being paid quite nicely, but not enough to cover that. I don't know of anyone who can cover that.


Why can't I take a complement from my boss without crying.


Hugs to everyone

Holy hell !

Just when things are looking up for you things pop up and slap you hard!

As for paying for Latuda ... just don’t. There is no way to do so just starting a job.

Do you have someone that can call for you ? Your aunt maybe ? To try and get this straightened out or at least come up with some reasonable amount to take care of it. Can you make payment on the Dr appt you had while this mess happened ?

I’m so sorry this is happening

The PA sounds like a wonderful man !

Please be kind to yourself

[Lefty Seven]

I miss Obama. He was so Deep State, but I miss him and the perfect First Lady and their perfect daughters and perfect Portuguese Water Dog. I can't watch the news anymore.

When a Nation cries
His tears fall down like missiles from the skies
Justice looked into Independence's eyes
"Can you make everyrthing alright?"
"Can you keep your Nation warm tonight?"

[~Christina]

Originally Posted by wildflowerchild25

Feeling kinda down today for no reason. Just a tiny bit. I’ve been extremely exhausted the past two days. Coffee is not helping. I’m worried about my usual fall depression showing up. Wouldn’t be good timing. I feel like calling out of work tomorrow because my student won’t be there and I don’t know where they will put me and that’s always anxiety inducing for me. I’m comfortable in my own classroom and being stuck in a new place where I don’t know the routine is a little uncomfortable. But I’m taking two days off next week to go to Tennessee so I won’t call out.


I see my pdoc in ten days so if I don’t feel better or feel worse I at least have that coming up. Maybe it will just be a blip like my hypomania was a blip.


I’m feeling bad about myself because I’m so heavy. The caffeine makes me hungry (I know it’s supposed to suppress your appetite but it has the opposite effect on me) so I’m eating an extra snack in between lunch and dinner. And I’m not choosing healthy food either. I’m also spending too much money on food still. I grab lunch out most days. I only spend like $5 but still, $5x5 is $25 a week. Plus again, it’s not healthy.


Sigh. I have no motivation to eat healthier. Maybe when I’m not feeling down I’ll do better.


At least I’ve still not had a real cigarette. I smell it on other people sometimes and I really want one but then I remember I have to stand outside in the cold and I decide against it. Hopefully by the time spring rolls around I’ll be well into my quit time and won’t want it as much. Winter is a good motivator


It’s supposed to be the first snowfall tomorrow. But it’s not supposed to accumulate so at least there’s that. I have my snow brush ready though just in case. I have an awesome new winter coat I bought that’s very warm. I should find my hat and gloves too. Then I’ll be set.


Hopefully I’m back to normal tomorrow.

Just wanted to give you a hug !!!!

Yes hopefully tomorrow will be better !

[Blueberrybook]

Daughter seems to be feeling better. I hope she will be able to go to school tomorrow. It is awful when she misses a day, she gets piled up with work and comes home with 3 hours or more of homework (the regular homework plus the make up work), and it understandably makes her cranky. And with the school district deciding it's a great idea to release elementary school late, we never make it home before 4 PM. I was upset last time the nurse sent her home for throwing up just a little one time and the nurse made me keep her home the next day too. She said she felt fine after throwing up, she was fine at home, no throwing up, not sick at all, but then she had tons of make up work, and THAT made her very mad.

[Pookyl]

I’m doing ok. Ive been rapid cycling still. But It’s been a week since my last episode.
Hugs to those who need them and double hugs to those with exceptionally sh**ty weeks.

[~Christina]

Originally Posted by Blueberrybook

Daughter seems to be feeling better. I hope she will be able to go to school tomorrow. It is awful when she misses a day, she gets piled up with work and comes home with 3 hours or more of homework (the regular homework plus the make up work), and it understandably makes her cranky. And with the school district deciding it's a great idea to release elementary school late, we never make it home before 4 PM. I was upset last time the nurse sent her home for throwing up just a little one time and the nurse made me keep her home the next day too. She said she felt fine after throwing up, she was fine at home, no throwing up, not sick at all, but then she had tons of make up work, and THAT made her very mad.

Does your daughter miss school due to sickness often??

[Moose72]

Trying to go to sleep w/o trazodone, we will see.

[TheSeaCat]

Originally Posted by ~Christina

Holy hell !

Just when things are looking up for you things pop up and slap you hard!

As for paying for Latuda ... just don’t. There is no way to do so just starting a job.

Do you have someone that can call for you ? Your aunt maybe ? To try and get this straightened out or at least come up with some reasonable amount to take care of it. Can you make payment on the Dr appt you had while this mess happened ?

I’m so sorry this is happening

The PA sounds like a wonderful man !

Please be kind to yourself

Still feeling the sting of that slap honestly.

I am hoping Medicaid at least takes pity and pays for some, I found the bottle and I still have 24 out of the 30 pills due to a terrible side effect. I didn't even use the medication.

I know I can't possibly pay for it even with what they pay me, I have a car payment, rent, phone bill, there is no way I could ever pay that. I can't believe how cold that insurance company was to me. My pharmacy is trying to work with my medicaid to hopefully get the cost down a little bit, the pharmacist I talked too said if Medicaid agrees to pay a little it could be a smaller bill. It's still not what I want but if it is a little smaller then I could possibly deal with it. It's just ridiculous that my doctor's office and pharmacy told me I was still covered when I wasn't.

It's HR fault at my old company for not getting the information to the insurance company. I swear they always get the last laugh, it would be nice if it was me for a change.

Medicaid took care of the doctor already, even though it was a small bill they covered that visit in full. I'm hoping they cover a part of the Latuda, because that is just ridiculous. Best of all my doctor didn't even want to right that prescription and I told him it was working, I should have just let him put me back on the Seroquel instead I had hope in an idiot NP who was bribed by the stupid company. She filled me with hope that the medication would work, I should have listened to him, then I might have gotten a smaller bill.

He really is wonderful and kind and so supportive.

I'm trying to not beat myself up too hard, I'm just annoyed with the system.

How are you doing with the shoulder?

[Nammu]

Don't quote me or anything since I have no legal knowledge but I think as long as you pay something every month, like $5, they can't send it to bill collectors. Sure it would take forever to pay off but they don't deserve more than $5 a month.

[~Christina]

Originally Posted by TheSeaCat

Still feeling the sting of that slap honestly.


I am hoping Medicaid at least takes pity and pays for some, I found the bottle and I still have 24 out of the 30 pills due to a terrible side effect. I didn't even use the medication.


I know I can't possibly pay for it even with what they pay me, I have a car payment, rent, phone bill, there is no way I could ever pay that. I can't believe how cold that insurance company was to me. My pharmacy is trying to work with my medicaid to hopefully get the cost down a little bit, the pharmacist I talked too said if Medicaid agrees to pay a little it could be a smaller bill. It's still not what I want but if it is a little smaller then I could possibly deal with it. It's just ridiculous that my doctor's office and pharmacy told me I was still covered when I wasn't.


It's HR fault at my old company for not getting the information to the insurance company. I swear they always get the last laugh, it would be nice if it was me for a change.


Medicaid took care of the doctor already, even though it was a small bill they covered that visit in full. I'm hoping they cover a part of the Latuda, because that is just ridiculous. Best of all my doctor didn't even want to right that prescription and I told him it was working, I should have just let him put me back on the Seroquel instead I had hope in an idiot NP who was bribed by the stupid company. She filled me with hope that the medication would work, I should have listened to him, then I might have gotten a smaller bill.


He really is wonderful and kind and so supportive.


I'm trying to not beat myself up too hard, I'm just annoyed with the system.


How are you doing with the shoulder?

Painful but it has been for a long time so between that and all my other pain conditions I should just deal... I’m going to do my best to fix it.

Thanks for asking

I hope you can get some help

[TheSeaCat]

Originally Posted by Nammu

Don't quote me or anything since I have no legal knowledge but I think as long as you pay something every month, like $5, they can't send it to bill collectors. Sure it would take forever to pay off but they don't deserve more than $5 a month.

I think that is true, I could probably send them a dollar strictly in pennies and they probably couldn't send it to collectors since I was actively paying. That's actually not a bad idea.

[TheSeaCat]

Originally Posted by ~Christina

Painful but it has been for a long time so between that and all my other pain conditions I should just deal... I’m going to do my best to fix it.

Thanks for asking

I hope you can get some help

I hope it get's fixed soon and that you are able to use it.

[BeyondtheRainbow]

Originally Posted by TheSeaCat

I think that is true, I could probably send them a dollar strictly in pennies and they probably couldn't send it to collectors since I was actively paying. That's actually not a bad idea.

I think this changed a few years ago. Most providers will let you work out payments that are very low but you do need to pay $25/month or whatever, even if that means it will be 20 years before you pay it off. It can otherwise go to collections; it happened to me with a bill I didn't know about.

My hospital has 12 month no interest payment plans up to some cut-off and then they'll help you get into something more loan-like with 0% interest for longer term payments. I called my family doctor's office once and asked for payments and they were willing to let me pay very small amounts.

Some places give you a 20% break if you pay immediately. I've done that with a credit card when I had to have 5 months of PT because it was a significant savings.

There is also maybe Care Credit if you want to do the credit card routine. It pays for (particpating) doctor, dentist, vet bills and based on the amount you owe they'll give 0% interest for different lengths of time. I have dental work on it now and get 12 months without interest. I actually did a little extra dental work 9planned for December) so that I could get the 12 months; had I spent $60 less it would only have been 6 months at 0%.

I'm sorry you're dealing with this. I had a mess a few years ago when my Medicaid that only kicked in if a specific amount was accrued in a month was met when I had surgery and Medicaid wouldn't process the claim and I wound up with a $1400 bill I wasn't expecting. I was so mad and frustrated so I know you must want to throw things at someone.

[CrT0811]

I’m once again hooked up to the TENS unit. I’ve tried every technique I know of but this peripheral edema keeps getting worse and I have these involuntary jerks and shocks as I taper of Tramadol. Those are getting better a bit or I’m getting better at locating which meridian line to follow in connecting the TENS pads...either way...after this weekend, I’m making an appointment with my GP to request a battery of tests and narrow this down. I can work on myself using acupressure and the TENS but I’m not great at locating trouble spots on myself using Reiki. I’m good with animals but not my own energies. Anyway...

This weekend is my grandson’s fifth birthday so it’s down the superslab we go for a six hour drive and a three day trip. I’m not going to get wrapped up in testing until we get back. It’s just going to see my children looking like a malformed puffer fish that has me in a somber mood. I know once I see them and feel their energies and get hugs - I only allow six people to hug me and one is my hubby. The other five will be those I see in two days.

I’ll be fine. Just having a bit of, old lady itis right now.

[TheSeaCat]

Originally Posted by BeyondtheRainbow

I think this changed a few years ago. Most providers will let you work out payments that are very low but you do need to pay $25/month or whatever, even if that means it will be 20 years before you pay it off. It can otherwise go to collections; it happened to me with a bill I didn't know about.

My hospital has 12 month no interest payment plans up to some cut-off and then they'll help you get into something more loan-like with 0% interest for longer term payments. I called my family doctor's office once and asked for payments and they were willing to let me pay very small amounts.

Some places give you a 20% break if you pay immediately. I've done that with a credit card when I had to have 5 months of PT because it was a significant savings.

There is also maybe Care Credit if you want to do the credit card routine. It pays for (particpating) doctor, dentist, vet bills and based on the amount you owe they'll give 0% interest for different lengths of time. I have dental work on it now and get 12 months without interest. I actually did a little extra dental work 9planned for December) so that I could get the 12 months; had I spent $60 less it would only have been 6 months at 0%.

I'm sorry you're dealing with this. I had a mess a few years ago when my Medicaid that only kicked in if a specific amount was accrued in a month was met when I had surgery and Medicaid wouldn't process the claim and I wound up with a $1400 bill I wasn't expecting. I was so mad and frustrated so I know you must want to throw things at someone.

Thank you dear you comment was very helpful. I don't think this insurance company participates in a Credit Card thought I would be nice. I'll see what my pharmacy says about this awful thing tomorrow maybe they were able to help in some way. I would really like to throw things and maybe punch a few people that made this mess.