Guide for Uninsured Multiple Sclerosis Patients

By Mandy Crest, Health Guide Thursday, March 26, 2009
The financial impact of multiple sclerosis cannot be overstated, whether you have medical insurance coverage or not, it becomes a large part of your struggle with the disease. Like it or not, MS and money are go hand in hand.   Obviously, the best scenario is employer provided group coverage. ...
Money Matters when you have Multiple Sclerosis
Lisa Emrich, Health Guide
3/26/09 9:36am

Great article Mandy.  Steve Tucker was kind enough to try to assist me (through Twitter) in finding a more affordable option for insurance.  However, we determined that what I currently have IS my best option at this time.  The Individual Insurance world is tough.

 

Patients looking for prescription assistance programs specific to MS drugs can also read Beginner's Guide to MS: Need Help Paying Drug Bills?

 

Mandy Crest, Health Guide
3/27/09 2:39pm

Lisa,

 

Thanks for the additional info. Readers -- any additional resources you have are welcome as well.

 

By the way, I also found Steve through Twitter. Smile

3/27/09 9:58am

Boy is this the truth, if you have no insurance it is a job alone trying to get any help. I'm in this process right now and have been since being diagnosed in Oct of 08 and still in the process of trying to get some kind of help to get into the MS clinic at Shands in Florida.  There was a nurse there that turned me onto a program they have it is the Outpatient Charity Care  program for people that have no insurance and low income.So if your in Florida and trying to get help-ask for it- there nothing to be ashamed for asking-unfortunately there are people that abuse these programs and it really makes it difficult for the ones like us that need it.

Hope this info helps someone I know it has me.

Good luck to all

Ladygraycloud

Mandy Crest, Health Guide
3/27/09 2:45pm

It is almost mindboggling what a person has to go through in order to access proper medical services -- and a sad commentary on the state of health care in this country. I totally agree that those who abuse the system make it much harder for honest people to get help.

 

I strongly encourage readers to share whatever resources they have found.

3/27/09 11:39pm

Where are the "best" states to live with MS with regard to insurance?

Mandy Crest, Health Guide
3/29/09 11:31am

There are too many variables involved to answer that question. Your income level, your ability to access group insurance, and the availability of services in the local area would all be contributing factors.

 

The American Diabetes Association has a wonderful resource, "Health Insurance in Your State," where they list the specifics of insurance laws by state.That would be a good starting point for anyone with MS who is thinking about moving.

 

On a personal level, I have MS, no access to group insurance, and want to move out of state -- it is the insurance issue which has kept us from being able to make that move.

 

I'm holding out hope for health care reform that would provide those of us living with chronic illness a few more options.

 

Anonymous
Karen
1/ 5/10 8:28pm

Have you found insurance outside of your state that will sell you a decent insurance plan?

 

Kad

Mandy Crest, Health Guide
1/ 5/10 10:39pm

No -- unless some significant changes come to pass, or I suddenly get access to a group plan, there are few states where I would be eligible for an individual policy at an affordable rate. We'll have to wait and see what kind of reform passes.

Anonymous
Karen
1/ 6/10 12:23am

thanks for your response, it would be interesting if either one of us could discover a reasonably priced insurance. It is so unfair, I worked all my life, was responsible and had group health insurance that I paid for and now I am not quite eligible for Medicare and for the 10 months prior to reaching the age of 65 I could lose everything like so many others in our position.

 

Keep in touch, and thanks again 

Karen

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By Mandy Crest, Health Guide— Last Modified: 03/31/12, First Published: 03/26/09