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Cobra vs no insurance
4 Replies
Taffythepit - December 2

I have lost my job. I am 58. My unemployment is 279 a week. Cobra from work will cost me 483 dollars a month. I have Allsup working on disablity. I just faxed in the forms today... With disablity, in two and 1/2 years I will be elegible for medicare. What do I do in the meantime. Other than FM and all its symptoms, the only other medical problem I have is high blood pressure. It looks like I will be uninsured.
I guess i take it day by day and trust things will work out. Anyone here going through this. Amy advise and support is welcome.


axxie - December 2

Taffythepit, I am sorry, that you are running into unemployment and not having enough money for Cobra. How can such a great nation be able to treat their people this way.

Maybe Allsup can help you, I would think that Allsup have heard these stories about, they may be able to help you with some sound advice or know of a program that could tie you over?

Good luck to you my dear, and do let us know how things are going, I would be very interested how things pan out, after you speak to Allsup.


Stacey373 - December 2

Hi Taffythepit - I went through a similar thing earlier this year. Except our cobra coverage was going to cost us over $800 a month for a family of 5....completely insane!

Here's some of the things I've learned to do when you don't have any insurance.....

First, talk to your doctor and see if they will give you a cash discount for your doctor visits. My doctor gives me a 30% discount if I pay same day my appts are only around $50.

Talk to the local pharmacies and see if they offer a prescription program. I was able to pay $5 and I get my prescriptions for about 1/2 the regular price. Also talk to your doctor about getting samples or getting some of your meds for free. Most of the major drug companies have a program for this. Your doctor should have the forms for you to fill out and then they can send them in. especially meds like for your blood pressure...they may offer this and you won't have to worry about those.

Welfare will only help if you have absolutely no income....but you can still try to see if there is some program to help you out. It's always worth a shot and all they can do is say no.

That's all I can think of for now...I might be forgetting something, if I think of anything else I will let you know. Take Care, Stacey :o)


Fantod - December 2

Taffythepit - There are free medical clinics in your area. Use Google to find them by typing in your metro area and free medical clinics. You can also call the United Way in your area and see how they can help. Another option is to check with your local hospital to see if they have any free or low cost clinics or know of any in the area. There are also health fairs held periodically where you can get a bunch of routine tests done for little or no cost. These are usually advertised on TV.

If you need prescriptions, all of the pharmaceutical companies offer assistance. If you go to their sites, you can find vouchers for a percentage off or a free months supply. If you see a doctor, be sure ask for samples. There are plenty of options available to you.

I hope that your experience with Allsup is as positive as mine was. I found them very easy to work with and understanding. Things will get better and we are all here to help with suggestions and support. Take care.


fibrofog - December 3

Taffythepit, I am going through the same thing--minus the unemployment. I had to take money from my pension and I am trying to live on that.

Many hospitals have programs to help patients, but they don't exactly publicize it. I am on a sliding fee scale at the Dr. office and have applied for the local hospital's compassionate care program, which I found out about only because a former student of mine works in the financial office.

Depending on your income, you may be eligible for patient assistance programs through the manufacturer of your meds. You would be surprised at how high the income is for a lot of these programs! Lastly, don't hesitate to ask your doctor for samples of meds. My doctor is fantastic in that regard.

I hope this helps out. Hang in there!



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