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Re: IIt's back after over a decade and I'm scared. [Re: WhiteCell] #279737
01/11/18 03:40 PM
01/11/18 03:40 PM
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GIMPY22 Offline OP
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Originally Posted by WhiteCell
Are you able to get another job in a company which has adequate insurance?


That's something I've seriously been considering, but right now I guess I've just been consumed with figuring out how to get into a Dr. soon, so I haven't seriously explored my options yet.
Honestly I've been dealing with these issues on and off for years now, just never put two and two together. I suppose another several months while I get established at another job wouldn't hurt.

The thing is I've worked a specialized job in the trade show industry for 15 years. It's been good while I was younger, but their branch in this town offers no benefits and they keep me on as a contractor to avoid paying them.(it's becoming pretty clear that this is a dead end scenario in spite of their promises to eventually get me into a better position)

I do have some transferable skills such as warehouse management, entry level logistics, carpentry, ect. I also have experience in rigging/operating aerial lifts and other equipment...but my most valuable skills are specific to this industry and no competitors offer better benefits. I would have to change industries. In the past I've found most jobs with my transferable skills pay about half what I make per hour, but there is one option...

I am in Houston Texas. I could probably get a job on an oil rig very easily making similar to start with benefits. It wouldn't be an easy transition for me, out on a rig two weeks on and two weeks off, but it's an option. My concern is the physical aspect of the job at entry level. I'm worried if my AS gets worse, I could have performance issues...

Re: IIt's back after over a decade and I'm scared. [Re: GIMPY22] #279759
01/12/18 09:29 PM
01/12/18 09:29 PM
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ThreeG Offline
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Howdy,

This makes me so angry! I'll save my rant...

I take Remicade (from Jansen), so the program may be different. However, I was shocked to discover that the program for Remicade can actually end up paying my deductible. In fact, depending on the order in which things are billed to insurance, the pharmaceutical company could end up paying the majority of your deductible (or even out of pocket maximum) for the year, leaving you really with premiums and whatever doctor visits you have before any drugs are billed. In such a scenario, you would come out ahead. If something else came up during the year, you could get care without worrying about the bill. It is definitely worth looking into the program details.

Good luck!

Re: IIt's back after over a decade and I'm scared. [Re: GIMPY22] #279763
01/13/18 02:49 PM
01/13/18 02:49 PM
Joined: Jul 2006
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Banana Offline
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First big hugs and I want to say how proud I am of you that you are not hiding from your AS, but attacking it with information. My AS came and went many times (usually for 2/3 years before it returned). In my mid 40's it came back really severe and I am sorry I did not get treatment sooner.

You might want to see a rhuematogist first so that you can get back on it. As you have found, it is better for you to have poor insurance as the drug company will cover it. Your rheumy has to sign you up for it and agree that you need it. Your digestive issues might clear up with the Enrbel which is why I hope you see your doctor soon.

Best of luck, I know you are scare BUT you are over coming it by action!!!! Best of luck

Anna


Actema IV once a month (with pre loading for allergic reaction), Cymbalta x1 daily, Arava 20mg daily. Diagnosed with AS in 2004, suffered undiagnosed since 1982.
Re: IIt's back after over a decade and I'm scared. [Re: Banana] #279780
01/15/18 05:16 PM
01/15/18 05:16 PM
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GIMPY22 Offline OP
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Originally Posted by Banana
First big hugs and I want to say how proud I am of you that you are not hiding from your AS, but attacking it with information. My AS came and went many times (usually for 2/3 years before it returned). In my mid 40's it came back really severe and I am sorry I did not get treatment sooner.

You might want to see a rhuematogist first so that you can get back on it. As you have found, it is better for you to have poor insurance as the drug company will cover it. Your rheumy has to sign you up for it and agree that you need it. Your digestive issues might clear up with the Enrbel which is why I hope you see your doctor soon.

Best of luck, I know you are scare BUT you are over coming it by action!!!! Best of luck

Anna


Thanks Anna,
Yeah I am slowly coming around to the fact that I need to at least have some kind of insurance, even if it's just to cover specialist visits and X-rays. I'll have to pay out of pocket for stuff like endoscopy, but since I can't find a rheumatologist who will see me for less than 350 per visit, insurance makes sense. Thanks so much for your kind words and encouragement

Re: IIt's back after over a decade and I'm scared. [Re: GIMPY22] #279814
01/19/18 12:33 AM
01/19/18 12:33 AM
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chemman Offline
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I don't like doing this, but our healthcare "system" in the United States is completely dysfunctional and incentivizes inefficient behavior.

I use Humira as a weapon to slice through my massive deductible. I pay for the medicine out of pocket with my credit card and then apply for a reimbursement from the Humira assistance plan. I found out the hard way that if you let the insurance company pay for the medicine and use the Humira assistance plan on your behalf, they won't count it towards your deductible.

Lots of healthcare providers are finding out the hard way that their patients have what I call "non-insurance." The deductibles and out of pocket expenses are so high on these plans that one might as well have no insurance at all. This results in patients not paying their medical bills and/or forgoing insurance entirely.

Last edited by chemman; 01/19/18 12:39 AM.
Re: IIt's back after over a decade and I'm scared. [Re: GIMPY22] #279818
01/19/18 12:18 PM
01/19/18 12:18 PM
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mpc2012 Offline
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Gimpy, first off, you need insurance with AS. You cannot be without it with this disease. AS will hit you out of nowhere and hit you hard. I have been in the ER for weeks in excruciating pain and doctors trying everything to get it back under control. Could you imagine if I had to pay that ER bill? I would be bankrupt and medical cannot be written off - you are stuck with the debt for life.

This is my advice to you - I don't know where you live but you are better off going to the ACA (Obamacare) exchange and buying an insurance plan. You need to focus on a plan you can afford and pay attention to how much the deductible is before they start paying out for Enbrel 100%. For example, my plan requires me to pay for 1 Enbrel (About $2k) and then they pay for the rest of the year. They cover everything 100% after the deductible is met. Most employer based insurance is crap and you are better off going to the exchange.

If you don't have much money to work with, go with a Bronze plan with a low deductible. Or look up an insurance broker on Yelp in your area and have them help you. For example, I am in California and there is a new company called Oscar that just entered the market and they are super cheap and awesome. For people with AS, the ACA (Obamacare) has been a GOD send. I used to be paying a fortune for crappy employer based insurance and it sucked.

Everyone on here needs to demand their congressional representatives fix the ACA and demand the pre-existing condition clause is always protected.

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