So what if you've done all of the above and you still find yourself among our country's nearly 50 million uninsured? Continue to research and pursue all insurance options. In the meantime, there are other resources available to the uninsured, but it's going to take some time and a great deal of persistence.
* Contact your local chapter of the National Multiple Sclerosis Society. You can peruse the website for general information, but it's best to call and speak to someone who may be knowledgeable about assistance and low-cost programs that are available in your area.
* If you already have an established relationship with a doctor, explain your situation and ask if they will provide discounted services and/or payment plan options. If not, ask if they know who will.
* Contact your local Public Health Department for information.
* Contact the National Organization for Rare Disorders (NORD) for information on assistance programs.
* Depending on your age, health, and work status, you may want to look into The Centers for Medicare and Medicaid Services or the Social Security Administration's Disability Programs.
* Out-of-pocket costs for medical necessities (mobility aids, etc.) can be deducted on your federal income tax return. Make sure you obtain and keep a copy of your prescription or note from your doctor as supporting documentation.
* Do not let a lack of insurance cause you to ignore warning signs of serious medical conditions. Federal law requires that an emergency room provide you with stabilizing care regardless of your ability to pay. A payment plan can be worked out after you are stabilized.
* Reach out to other MS patients or those with similar chronic illnesses. They just may be your best source of information.
There are a number of programs designed to assist with prescription medications for multiple sclerosis, usually requiring proof of income. Among them are:
* Partnership for Prescription Assistance
Having MS and no insurance -- or inadequate insurance -- is a bitter pill to swallow. I cannot in good conscience say that you will be able to access all the services you need. We just have do the best we can with the resources at our disposal. And by all means, contact your representatives in congress. Put a human face on the state of health care!
Additional Information:
The Consolidated Omnibus Budget Reconciliation Act (COBRA)
Health Insurance and Resource Center
Patient Access (assistance for the under-insured)
Special thanks to C. Steven Tucker, Insurance Broker & Subject Matter Expert for The Wall Street Journal & Fortune Magazine - President, Small Business Insurance Services Inc. for providing information for this article. www.smallbusinessinsuranceservices.com
