physically disabled and unable to afford legacy health insurance
August 25, 2012 7:45 AM Subscribe
My mother is physically disabled and unable to afford legacy health insurance. We need to reduce costs some how but don't know where to turn.
posted by Highest_Of_Fives to health & fitness (12 answers total)
A few years ago, my mother (50yrs old) was injured while working at a govt job in New York City. Over the next two years she went through several surgeries to repair her condition. Unfortunately it was determined that she could never work again. My mothers health insurance provider at the time of her accident was GHI.
Unable to afford the costs of living in NYC, the family to Florida to live off Their Social Security/Disability/Pension.
In the past 2 years she has been through a spinal fusion, 25+ steroid injections, 10+ RFA procedures, constant therapy (psychological and physical), countless medication, and a spinal stimulator procedure/therapy.
She is still in a great deal of pain. Her morale is low and pain is persistent. In the next two years we expect a permanent spinal stimulator to be inserted, and a partial knee reconstruction to be performed. Once that is completed we expect her to go through additional therapy.
In Florida GHI isn't widely accepted so Medicare is her primary insurance provider and GHI is her secondary. My parents basic living expenses hovers around $60,000 – more expensive than the current income level. GHI insurance costs $900/month (automatically deducted from her $2800 pension check). This coverage also includes my father.
We’re looking for a way to reduce the monthly costs of insurance. I’d like to eliminate GHI completely, but was told that in Florida a “secondary” provider is required. I’m worried about affecting my mother’s coverage levels or putting her ongoing treatment at risk. Then there’s also my father’s situation – which is similar. I wouldn’t want to risk his coverage either.
Recently my father applied for Medicaid, but was declined because my mother’s income levels were too “high”. I don’t know if these applications requests current costs of living. There is a chance that he filled out the form incorrectly.
My father is also disabled and unable to work a full time job. He’s faced with challenge of caring for my mother and doing most of the physical work. On the weekends he runs a small business which nets around $1200yr. My mother recently fell in the house and broke a limb while he was working a year ago. He carries that guilt and burden and it’s affecting his mental state.
At this point we don’t know where to turn, who to ask, and what to do. So I figured I’ll start here and hope for the best. We have tried searching the web and were bombarded with scam attempts and cold calls.
We would appreciate any advice or guidance. Thank you.