Insurance news...not so good...we made calls this morning and found out what we were suspecting...after August 31st he will no longer have cobra insurance for any of us...we will have to send a letter in writing to the insurance that he has medicare that becomes effective September 1st and to take us off...
In the mean time, I started last week checking out medicare part D and this is what brought the question of whether we will still have insurance and we verified that for sure...now after this morning I started doing more research on medicare part D and for me alone to pay the so called deductible/out of pocket expense my
meds will run close to $1000 a month then after that is met the cost will drop down to about $291 a month then I hit that donut hole and it goes back up to about $1000 again til that amount is met and then drops way down to like $91 a month...we can't afford that...when trying to research his...nothing came up...that was even more frustrating...wondering what we are going to do...we can't afford a
medigap/supplemental insurance either which comes after medicare to cover the balance of any bills...so Tim says we better hope like heck neither one of us gets put in the hospital...not sure how we will pay for hospice when the time comes for him either...
I haven't given up hope of researching...
altho sometimes it's overwhelming for me in trying to handle it all and do the research/calls for find out things...thanks to my mom for listening and giving me some advice, thanks to News 3 who said anyone needing medicine help to go to their website and check out Nevada Drug Card...any Nevadan can apply no questions etc. just put your name and email address I believe and print off your prescription card and use it at participating pharmacies which happens to be
Walgreens...which with further research on the drugs he and I use...now get this his
sutent would be more through this program ($7935.23 month) than through cobra ($7484.01 copay $20) he won't get that after August 31st...for the three other
meds that is 170.55 month and these are estimations....mine would run all but insulin and needles...433.50 a big difference....so based on your medicines it is a big savings better than
partD...I have to check into part B medicare I think through Liberty???? supplies some lungs medicines and diabetic
meds/supplies and they bill medicare....have to wait for ad to come up on TV again...can't find info on
internet...keep coming up with wrong site....
Quote unquote..."he says this is what we'll do to stay in house til market better to drop all his
meds and worry bout my
meds"...I agreed to it but I am still going to research and get him the help for September on...maybe I'm being selfish but I want him around a
weeee bit longer...after he's gone there is no way I can stay in the house as I couldn't afford it...I would have to sell and hope that the market was better to get our escrow out of it as much as possible...or like he said we just walk away, take a loss and rent a place...
Now, my next option is to go through his cancer doctor and see if they can get us help...also me call American Cancer Society and see if they can help...thanks to a
facebook friend...she gave me two websites to check into for medicine help for free or a little bit of nothing....
We couldn't even afford to convert is life insurance through work which he qualified for up to $107,000 but
toooooo expensive and I kept going down to lower amounts til I got to $10,000 and that was still too expensive...
So all I can say is our American Dream is shot...things are just too expensive....we have no bills except usual monthly expenses mtg, power, water, telephone/
internet etc...one for new a/c last April 2008...still have $4400 left on it...you can't afford things you drop them...then you start losing everything just to keep going...
Anyway, I am trying to find out what I can and get the help we need...just hard and overwhelming...our prayers go out to our niece who got a second opinion on surgery...the doctor won't even attempt to do surgery on her gall bladder til November and then it may still be risky with her on blood thinners for the blood clots she has...Tim was trying to uplift her today...
I just don't know what to say...daughter offering to give up her college which she has a year left and then one semester of teacher trainee and find full time job...NO what good would it do...NO...we couldn't and won't ask other daughter to move out here...she has a decent paying job where she's at right now with the economy the way it is...us move out there, NO...winters too cold and humidity too much for me....we stay here!!!!
Anyone has any other suggestions you can email me at
happemom@mesquiteweb.com and I will gladly check into them...I also am going to check with the Senior Center here and see how they can help with info etc...
I guess I better get off here as 2 a.m. and I need up to run errands in the morning while fairly cool...we hit 114 today and no clouds as it's clearing up from last weeks cloudiness...
Our prayers are with everyone and take care be safe and much luv to u all....:D