about to lose insurance

By Hollyk Friday, October 01, 2010

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My husband got a new job that is going to be a wonderful change in our finances; but the down side to this is that there is no insurance. After looking online for a family policy I found out that I am uninsurable due to the fact that i am in limbo. i will have to go on cobra; but that is more expensive for just me than it is for all of us to have a family policy.

I have an appointment with my new neurologist on the 15th; but will have to go on cobra starting in November. I am in the middle of an exacerbation now; but don't know how long this will last. As I've said before; some of my symptoms never go away, they only lessen in severity.

I am having some strong symptoms this time; one of which is exhaustion to the point that I fall asleep uncontrollably. I don't drive when I'm this tired; but talking to people who don't know me; they think I'm on drugs or drunk.

My vision is also bouncing when I first get up from sleeping; it does this for 5 or 10 minutes. The buzzing sensation is also back and it goes through my whole body; especially my feet and legs. However, my brain is also buzzing. The crawling sensation is also back on my head; but I also have itching fits all over that come and go.

It is funny; but even though I've been here for over 1 1/2 years; I feel like a freak, alone and crazy. I can't understand how one doctor can say MS and then the other doctor says no.

I am trying to be patient; but it is so hard. My best friend's sister was just diagnosed with MS; her son was diagnosed 2 years ago. Both of them just had some neurological symptoms and were diagnosed right away. I am happy for them that they haven't had to suffer through limbo; but at the same time wish that the doctors could see what is going on once and for all.

So, now, here I am; about to have no insurance. I am struggling with the cobtra because it is such an expense, even with the raise; I don't know that I can do that. I wish that all of this would go away! I am tired of not having my cognition! I want to go to nursing school...I am tired of feeling confused and tired. It just gets worse...so why can't they figure it out?

Sorry that i am having a bit of a pity party....tomorrow is a new day...

Quaking, shaking and other strange sensations

Comments (8) | Add comment

Lisa Emrich, Health Guide

10/ 1/10 10:37pm

Hi Holly,

Congrats for the new job for the hubs, but so very sorry to hear that it doesn't come with insurance. Will insurance be provided at any time? The scariest thing to me is becoming uninsured.

Also, very sorry to hear that yet another exacerbation is happening right now. I hope that some progress can be made at your next doctor's appointment. Your symptoms sound very unpleasant. My time in limbo was not like yours; it was much easier (less symptomatic) and I was kinda oblivious (by choice).

Your journey has not been an easy one at all. It doesn't seem fair that others can get their diagnosis so quickly. I sincerely hope that your appointment on the 15th is productive. Please let me know how it goes.

Hollyk

10/ 3/10 6:17pm

I don't know if it just me; but this exhaustion has gotten worse. I am falling asleep typing. It comes and goes throughout the day; it is so overwhelming; much worse than before because I can't stop myself from falling asleep.

The sexual dysfunction is back; which must be why I am having trouble urinating-also much worse.

Anyone else have this issue?

Suz

10/ 7/10 8:24am

Hi Holly, i just wanted to say hello and hoping that the current flare is calming down a bit. The exhaustion is really difficult - when all you can do is lay down some days it's so heavy. Personally for me stress and change good or bad seem to throw my body into the symptoms almost exactly as you describe. I am so routined at this point i'm a little afraid to do much out of it. I have a dear friend who has epilepsy and no insurance and understand the added stress that that can bring.

i've gotten to the point where i have to say whatever will be will be - i know it sounds trite, but the more i realize i have no control over anything the more I seem to say it. And it somehow deflects the worry and stress a bit more. Really - it's true. i'm surrendering a bit at this point for survival i suppose.

I will keep hoping and praying that you will get the answers you need. I know that I only know of you by the situation we find ourselves in here - which is so frustrating and life changing and so much more than those words. Just know that's you are not alone or crazy and they will eventually be able to give you the answer you and your body needs. sending good thoughts your way...

Suz

Hollyk

10/ 7/10 9:52am

Thank you guys! I appreciate the encouragement!

momdukes

10/ 7/10 10:35am

Hi Holly, First I want you to Breathe, and count to 10 step back and jusst let it be. I can say this because I am now in your shoes. I have been without insurance for about a year and a half, and guess hat I have made it, and believe me you will too, now I did not say it will always be easy but you will make it. I get me MS meds free check with your nuero and some of your meds can be generic which are cost effective, your nuero visits can cost your nothng talk to the finiance department these are well dept secrets! Stop stressing this brings on exbractions and flare ups the new drug is coming out and they are going to offer financial help ask for it I have so my nuero is going to look out for me! My nurse told me yesterday that he new med will cost around $4800.00 good Lord! I have no insurance at all! So I am going to need help! I hope this helps you out some.

sherry/smomdukes

Hollyk

10/ 7/10 2:17pm

It is easier to do when we are not so exhausted and weighted down-it only ads to the feeling. I am trying to get myself out of it mentally; but boy is it like climbing out of a hole. I think I've gotten through the worst of it; however, I am never really out of it.

My husband says take baby steps; it is so far off how I was not so long ago...I go through periods like this when I'm not so optimistic as usual. I am a fighter and it is a beating when I can barely get off of the couch!

I will survive as the song goes...thanks for the help!

sally

11/ 9/10 10:06pm

We just went through the same thing. Instead of getting cobra we went with a high deductible insurance that costs our family of four $450.00 monthly. There was a very quick period of time I had to select to do the high deductible over the cobra and there was some confusion as most people just get their cobra and deal with it. My husband will most likely be hired on permanently after the first of the year so we just risked the 6 months of high deductible. Our deductible is $5000 so I have had to wait though all these months with very little treatment but if all works out it will save us thousands in the end.--Alison

Hollyk

11/10/10 9:57am

It is hard to make decisions like this in such a short time period. I just found out that his former employer did not terminate him yet. It is going to really screw things up because once they do; it is all retro'd back to the actual date. It is a big mess...but; nothing we can do about it but deal with it and hope no one needs to go to the doctors until it is fixed. Thanks!

about to lose insurance

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