What would you do?

    • Anonymous
      September 12, 2007 at 5:14 pm

      I just spent 4 hours trying to get approved for medicaid, only to find out I don’t qualify!:mad: Does this sound familiar to anyone else?
      I am perm disabled, was a state employee until GBS Aug 05, receive disability payments from a state retirement system, not much but its something and I’m married with 2 kids. I was told we make too much to qualify for medicaid-even though my husband was laid off last month and gets a small weakly:p unemployment check. We qualify for food allowance, just over $100 a month and the kids are now covered by medicaid, but I can’t get it because I’m married and we make under $200 over the limit.
      Since I was a state employee, and I applied for disability through my job, I am now being forced to file for ssdi, which, IF I qualify for would put us over the limit the 2nd medicaid coverage and raise our income over the limit for the food allowance. The retirement system, that is paying my disability benefits, is harder to get approval for then ssdi is, but I still have to start from square one. If you were in this predictament would you go ahead with all the hassle and stress of going through the ssdi hoops, or would you just wait and hope for the relapses to hold off until a job with benefits is obtained? Money is non-exsistent. We can’t afford Cobra ins coverage or the self pay plans-way too expensive. Any and All suggestions are appreciated!! The timing of all this couldn’t be worse, I have my appt with University of Michigan on the 20th-the appt that I’ve needed and have been waiting for for over 2 years:( Thanks for letting me vent and hopefully giving me the rosier view on this situation. Now I need to go take a nap;)

    • Anonymous
      September 12, 2007 at 9:22 pm

      Cheryl hang in there I know it is frustrating and hard to deal with this kind of stress. Keep getting information and be the squeaky wheel. People just don’t realize how hard it is to get into these programs for one reason or another none of us qualify. That is how they save money. Keep applying and keep appealing when you think you have a good case! Also, call back from time to time and talk to another person. Sometimes the information we initally get is incorrect! Talk to every agency you can and ask if they know of some where else you can apply for any kind of assistance. Also ask your Doctors and any case worker you might have. I called my local hospital and talked to someone there. Did not get me any where but she had some good ideas. I needed an inexpensive transportation. Age and income wise I did not qualify, I don’t think they wanted me on the road at that time. I know I would not have wanted me to be my driver! No help was found that did not cost an arm and a leg. Besides if I had them I would not need a ride if they worked right!

    • Anonymous
      September 12, 2007 at 9:30 pm

      Hi Cheryl,
      I am new to all this SS stuff. We have been trying for a yr now to get benefits for my 22 yr old son who has a immune mediated kidney disorder. He was turned down. We hired an attorney who handles SS denials. We do not have to pay unless he gets an approval. Is it possible for you to consult an atty who specializes in all this SS bureaucracy? I understand no money left. We have no insurance so it has been all cash for myself and son. Sometimes a consult is either free or a small fee.
      Why are you being forced into SSId? Your state benefits are ending? Like I said I am new too all this stuff.
      But I can sympathize with the frustration of waiting 4 yrs and jumping thru all the hoops just to be told you do not qualify. I am beginning to wander what it takes to get the help we all so desperatly need. I guess once we are all broke and homeless and even more disabled then we will qualify.
      Oh forgive me for my rant. There just does not seem to be any easy answers for dealing with SS disabilty claims.
      I wish you the best,

    • Anonymous
      September 12, 2007 at 11:11 pm

      I don’t know your present condition, or if you expect to improve much physically, but I was eligible for SSD & approved within a week. The good thing was getting some kind of income right away after my 6 months of employer disability ran out. But I had to wait for two years to be covered under Medicare. That was OK with us though, because my husband had good medical insurance. I do understand your predicament though, as if you were approved for SSD than you would probably lose the Medicaid coverage for your children? I hope your husband can find a good job soon, as that is really your best option right now. Easier said than done I know…

    • Anonymous
      September 12, 2007 at 11:39 pm


      I agree with Pam, hopefully your husband can get employed soon. To go
      through all of that will stress you out. If you can hold on…I’m sure that it
      will get better.

      Good Luck

      Miami Girl

    • Anonymous
      September 12, 2007 at 11:52 pm

      cheryl,I just want to encourage you to get whatever medical treatment you need and to keep that appointment that you need and have been waiting for. Let them generate a bill and then go to the hospital billing department and ask about charity care or forgiveness program. I believe most hospitals are willing to negotiate as long as your in communication with them. I just went through this and got help from a financial specialist from the hospital who got my $600 outstanding bill waived and helped with the whole medicaid/insurance issue. Check and see if the hospital has any such help. Good luck and don’t accept no to the question of treatment.

    • Anonymous
      September 13, 2007 at 1:07 am


      I am so saddened to hear of your financial plights 🙁
      It has to be very stressful and depressing, but be strong as you can. I agree with L Cayla that some hospitals will “waive” some of the bills for some with dire straits, such as yourself, IF you have to go back…….which I am praying that you don’t 🙂

      I wouldn’t want to go thru the stress of dealing with SSID. It is a “catch 22” for you, it sounds like………….and then wasting more time, etc.
      You don’t need all this “runaround” with these disability claims.

      I would pursue the….. husband getting employment course. Then, hopefully, thru the employer, your Med. benefits would be solved.

      Hugs to ya,


    • September 13, 2007 at 7:29 am

      Dear Cheryl,

      I am so sorry for these problems you are having. I have no info on how yo assist you, just prayers! Compact Disc always has info on how to beat the system, maybe she can help you!!

      I would just go to the appointment, you need the help! As Linda (LCala) said, maybe you could get the doctor or hospital to waive the visit. Maybe you could start constructing a letter to personalize yourself and your family telling of your plight, include a picture of yourself (in wheelchair) with the rest of your family. Let the personal story play on their emotions. I am convinced that there still has to be someone human out there that will help and listen.

      Will you still have your husbands insurance from his job when you go to the doc? When does it run out? If you still have it, maybe you could call the doc to tell him the insurance will run out soon and ask him to squeeze you in before it runs out!

      I hope you get this worked out! Thanks for taking time to respond to my thread with your kind words for Kevie even with all that you are going through!

      Good luck,
      Love Dawn

    • September 13, 2007 at 7:32 am


      One more thought, someone once mentioned to me that if you switch insurance between jobs, you cannot be denied by the next insurance for a pre existing condition if you use cobra as a bridge. I have no idea if there is any merit to the statement, but check it out just to be sure in the event hubby can find work.


    • Anonymous
      September 13, 2007 at 8:14 am


      I work in a govt long term care facility and I have seen couples divorce in order to qualify for medicaid. That sounds harsh, but it happens. They still love each other and all but it’s just what they have to do so that one spouse doesnt lose everything.
      Hopefully hubby can get a job with decent insurance. I have been approved thru our major hospital for a charity write off for my IVIG treatments. It was only a 40 percent write off but it helped.
      I hate paying 60 percent of a bill that the treatment didnt work, but…

      You are always so supportive to me….I wish you the best of luck with this.


    • Anonymous
      September 13, 2007 at 8:29 am

      Dear Cheryl.
      I have you in my prayers and thoughts. I know nothing about what you are going through but you have always been there for me and I want you to know I am here for you. May Gods blessings bring you peace (Steve)

    • Anonymous
      September 13, 2007 at 11:56 am

      My heart goes out to you. My daughter had GBS in 2005 but was covered by Children’s Special Health Services. I really feel for the adults who have GBS because for some reason, the health benifits are not so good with adults. I would encourage you to keep all your appointments and let ‘the system’ work it’s way out. Hospitals can not refuse you because you can not pay, it’s the law. You never know what could happen, just keep pressing on and I will pray your husband finds an excellent job soon!

      Take care,
      Amy Kuncaitis
      Author of “Joy in the Morning”