Hungryforbbc Posted yesterday at 12:39 AM Report Posted yesterday at 12:39 AM Got laid off last week. I’m currently undetectable on biktarvy. I’m gonna continue my current amazing insurance along with my LTD coverage under COBRA until the end of the year. I also have well documented diagnoses of both esophagitis and inguinal neuropathy that qualified me for FMLA accommodations and for medical cannabis before it was legalized here in New York. I’m 53 and have the best health insurance I will probably ever have so if there’s a way I really don’t want to regret not asking: I’m extremely anxious about losing my coverage with the meds costing $3k/month and the insurance costing $2.5k/month I am seeking immediate advice from everyone here who may have some insight- can I get myself onto permanent long term disability? Do I have to stop taking meds and get my viral load up or is there another way? Honestly I’m afraid I’m missing out on what may be my last big chance to secure my future especially considering the state of health care here in the states. I know I have a short window during which I may have options so if you have any insight or guidance please let me know! thanks Quote
Opnow Posted yesterday at 01:37 AM Report Posted yesterday at 01:37 AM Reach out to the manufacturer and see if they have any assistance programs for low cost or free medications. Quote
Hungryforbbc Posted yesterday at 03:15 AM Author Report Posted yesterday at 03:15 AM 1 hour ago, Opnow said: Reach out to the manufacturer and see if they have any assistance programs for low cost or free medications. thanks… I’m already on that but I’m hoping someone can tell me about getting on disability cause I made really good money and my coverage was amazing so considering my multiple health issues I’m wondering if I could get on permanent disability and not have to sweat the corporate bullshit anymore. It’s not easy to make the corporate overlords happy when you have multiple health issues When I switched coverage last year I didn’t realize that I would have to meet my $3k deductible to get the first refill of my meds this year so in early January the pharmacist told me I had to pay the whole deductible or pay the 3k market price for the meds before I could get my meds. Sensing my concern, she directed me to the manufacturers website and I got a coupon that paid the entire 3k. I was ecstatic but I was even more shocked when the insurance company considered the coupon to be a payment and considered my deductible met for the year. Can I qualify? I’ve got mental health diagnoses too. Quote
lower_bucks_bottom Posted 13 hours ago Report Posted 13 hours ago Check out the Ryan White program [think before following links] https://ryanwhite.hrsa.gov 3 Quote
757pozzybear Posted 10 hours ago Report Posted 10 hours ago You may qualify for ADAP and Ryan White. Call your local AIDS service organization. 1 Quote
Buttchunks Posted 5 hours ago Report Posted 5 hours ago (edited) I assume you are taking about SSDI with the social security administration? I am legally disabled due to a severe head injury that occurred while at work so I will help you with the disability question. To get SSDI, you need to file an application as soon as possible once you cannot work. The application will ask you all your medical history (doctors, locations, diagnosis, length of injury/illness and more). Best collect all the information right away before you start the application to make entering all the information easy. More you provide, the easier for them to evaluate your application. Once done, all you can do is sit and wait, and wait, and wait. The process is normally time consuming and lengthy. I have heard folks sitting from 9-months to nearly 2-years and still being denied and at that point I know there is lawyers that will help you appeal the decision. Mind you can get a lawyer (pay them up front) to assist you with the application and the process. That is totally up to you and how you wanna go. Now me personally, I went and applied for SSDI when I lost my job and I knew I was not able to go back to work and the process only took 2 1/2 months for me. But I have extremely well documented medical history and work history that shows my limitations and difficulties. Each person and their situation will be different. Hope that helps, need more information, message me please. Thanks Edited 5 hours ago by Buttchunks Spell check 1 Quote
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