In DESPERATE NEED of insurance, any tips would be great!!!

PurpleFlyingMonkeys · Dec 26, 2011 at 11:49 AM

I'm a single mom with a very low income. I know insurance is expensive but I really can't afford it. I live in South Carolina. I am a 24 year old female with relatively good physical health but not so much mental health and desperately need insuance so I can afford to go to the t and pdoc regularly. I can not afford 100s of $s a month in insurance, I probably couldn't afford more than 60 or so a month. Does anyone know of any insuance companies that may be in SC that don't cost as much or have as high a deductible? It's really discouraging me to seek help with my issues finding insurance.

My work is supposed to offer me insurance after 6 months since I'm full time. Well I've been here a year and 6 months and they are telling me now I have to wait until March so I need to figure something else out.

Any help would be so very greatly appreciated!!! Thanks in advance!!!

Perna · Dec 26, 2011 at 01:20 PM

I think the only thing you could find like that which you might/might not be eligible for and which might or might not have any mental health insurance with it is Medicaid?

http://www2.scdhhs.gov/

dragonfly2 · Dec 26, 2011 at 01:30 PM

Here is another site to take a look at. It's a listing of different organizations in SC that offer assistance.

http://www.handsonhealth-sc.org/page.php?id=523

You could also check with your individual county to see what sort of community mental health services are available. Many of these programs are subsidized and have sliding scale fees.

ECHOES · Dec 26, 2011 at 03:00 PM

Also check out your community mental health center. They often offer sliding scale.

PurpleFlyingMonkeys · Dec 27, 2011 at 07:28 AM

Thanks for the replies and advice, after going to the sites and trying to dig things up I think I may have found one that could be somewhat affordable. She says she does the sliding scale but it also says on price 40-120 per session. Shes specialized in PTSD and schizophrenia for 18 years. I was dx'd with PTSD and Schizophrenia but I don't believe the PTSD much but think she could be of some help with the DID and grounding skills and such. I just can't afford even $40 a session if I have to see her on a weekly basis. I know it's not much but for me it really is. But even if I can only get in for once a month it would be better than nothing. But then I have to work on finding a cheap pdoc as well for the anxiety meds and I'm trying to talk myself into possibly accepting the fact that I need meds for my hallucinations. I really don't want to but I'm noticing more and more what's real and what's not and realizing I hallucinate a lot more than I originally thought. But I hate meds and the last time I was on meds for my schizophrenia it made things much worse. I don't know what to do since antidepressants and antipsychotics make me dissociate to the extreme but at the same time those I believe are what they used to control the hallucinations... So what to do? A pdoc seems like they would be the only one who would know since I don't think t's write prescriptions... But maybe some do...

I did also look up our mental health center and found a number to call for help with this sort of thing. The person knows all the loop holes and low cost doctors and such so I will try and give them a call, I just don't know when since I don't have a phone and work at the front desk, it's kind of a personal phone call I don't want all my coworkers hearing. But I'll find a way. This new t I just found has her office right next to my work so I could walk there after work for the appointments (I don't have a license, they suspended it after a seizure in August... Things didn't go my way for a year or two...) Hopefully something will work and things will start to fall into place... But I really don't want any meds other than anxiety meds...

But I have always had insomnia as well and they always want to put me on sleeping meds. I hate sleeping meds... I don't even take tylenol pm. But doctors know best right?

kindachaotic · Dec 27, 2011 at 03:39 PM

PFM, Sounds like you are doing all you can do to get some help.
Do you have an employee handbook from where you started this job? If so look at how long you have to wait for coverage with pre-existing conditions. Or ask for some paper work on the ins coverage.

What bothers me is this sounds like discrimation, which by federal or state? law is illegal. Call your state ins commisioner & inform him/her of the situation. Hopefully it is an 800 number & not alot of hoops to go thru, but...don't give up. YOu deserve the same ins everyone else is getting with the co you work for.

Hope this helps.

Woundedheart1 · Jan 18, 2012 at 06:04 PM

Quote:

Originally Posted by PurpleFlyingMonkeys

I'm a single mom with a very low income. I know insurance is expensive but I really can't afford it. I live in South Carolina. I am a 24 year old female with relatively good physical health but not so much mental health and desperately need insuance so I can afford to go to the t and pdoc regularly. I can not afford 100s of $s a month in insurance, I probably couldn't afford more than 60 or so a month. Does anyone know of any insuance companies that may be in SC that don't cost as much or have as high a deductible? It's really discouraging me to seek help with my issues finding insurance.

My work is supposed to offer me insurance after 6 months since I'm full time. Well I've been here a year and 6 months and they are telling me now I have to wait until March so I need to figure something else out.

Any help would be so very greatly appreciated!!! Thanks in advance!!!

first of all businesses are only supposed to make yu wait 3 months then add you to their insurance policy. EVEN if you had preexisting conditions. it sounds like they got a hold of your file and they are putting you off for one reason or another. This past year the rules changed drastically on insuerance and coverage so you may want to call you City Insurance Commisioner and advise them of the situation because if you are ful time you as an employee are supposed to be awarded benefits despite your medical condition. Plus now there is no lifetime cap on medical conditions of 1 million dollars like there used to be. Therefore you cant max out your medical insurance if you have a terminal or chronic disease. in the mean time therer are smaller supplemental groups like aflac that have policies that would cover hospitial and family coverage in the event you needed it and the premiums aare very low. hope this all works out for you. please let me know how it works out!!!

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Perna Pandita-in-training Member Since Sep 2006 Location: Maryland Posts: 27,289 (SuperPoster!) 17 550 hugs given	Dec 26, 2011 at 01:20 PM #2 I think the only thing you could find like that which you might/might not be eligible for and which might or might not have any mental health insurance with it is Medicaid? http://www2.scdhhs.gov/ __________________ "Never give a sword to a man who can't dance." ~Confucius
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ECHOES Legendary Member Since Aug 2007 Location: West of Tampa Bay, East of the Gulf of Mexico Posts: 14,352 (SuperPoster!) 16 1,020 hugs given	Dec 26, 2011 at 03:00 PM #4 Also check out your community mental health center. They often offer sliding scale.
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