I'm 60 and unemployed , type 1 diabetic

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Expand view Topic review: I'm 60 and unemployed , type 1 diabetic

Re: I'm 60 and unemployed , type 1 diabetic

Post by dlcnurse » Sat Jan 07, 2012 6:08 pm

Go up to the top of the page where it says "User control panel". It is just under the Home button on the left top of the forum page. It will take you to your message center.

Re: I'm 60 and unemployed , type 1 diabetic

Post by strt722 » Sat Jan 07, 2012 5:42 pm

Dear dicnurse,I sent you a private message this morning , I'm not trying to rush you ,but it looks like you may have already responded and I can't figure out how to read it . Sorry I'm not a geek .

Re: I'm 60 and unemployed , type 1 diabetic

Post by dlcnurse » Sat Jan 07, 2012 1:26 am

Hopefully anyone looking at the site will realize that there are more posts on the 2nd page. I will make mention to Jimithy that maybe we can increase the size of the text so that others don't miss it. Hopefully, the links will benefit you and others as well. Insurance is one of those things that have had a windful when it comes to the premiums and the coverage that they provide (which they don't cover much in my opinion) but you pay dearly for it. Thanks for the heads up on the page issue. Appreciate it.

Re: I'm 60 and unemployed , type 1 diabetic

Post by strt722 » Fri Jan 06, 2012 8:09 am

Hello angels , I had a little trouble finding your posts and mine when I logged back in, it took awhile before I noticed the second page,I hope others can find it. I will check these ideas out, I'm a little busy today though, hope to find time later this afternoon . Thanks a million.Mike

Re: I'm 60 and unemployed , type 1 diabetic

Post by dlcnurse » Fri Jan 06, 2012 1:39 am

Here are a few sites to check out. Both will give you information about applying for state and/or federally funded insurance that was established when the new law went into effect. (Affordable Care Act).
http://www.HealthCare.gov
http://www.PCIP.gov

Re: I'm 60 and unemployed , type 1 diabetic

Post by dlcnurse » Fri Jan 06, 2012 1:08 am

Hi Mike,
I checked on the First Preferred Insurance. From what I see, they are more or less a marketing tool. What they do is shop for the insurance for you and I am sure it is for a cost. Pretty much a middle man. I also saw that they have limited insurance plans that do not have major medical. In other words, they may say that they pay up to $250.00 a day for hospitalization. Say you are hospitalized for 10 days and your bill is 10,000. They would pay 2500 of that bill and you pay the rest. I would not consider dealing with them. I will see what I can find for you that has reasonable costs and covers major medical, hospitalization, etc.

Re: I'm 60 and unemployed , type 1 diabetic

Post by dlcnurse » Wed Jan 04, 2012 4:49 pm

Thank you for notifying us again and updating your current status. Don't get discouraged because of the denial of disability application. It is like Jimithy said, most claims get turned down. Just keep trying and appeal their decision.
Sorry to hear that the job is more stressful than you first realized but trying to hang on to it is a plus for you.
I, like Jimithy, am leery of insurance companies that pounce on people having hard times. Were you able to take a look at the links posted above in regards to what to look for in insurance needs? You indicated that you were interested in hospitalization policies. Are you also interested in major medical type policies? I ask so that I have a better idea of what you are looking for. Is there a certain price point that you are looking at paying for a policy? And final question, what are your specific needs that you absolutely need in looking at policies.
I will be glad to assist you in searching for a policy that best fits your needs but I need to know what exactly you are looking for, and what cost you can afford. You can always reply to email if you do not want to post it publically on a forum. In the meantime, I will look to see what I can find to help you. Keep those fingers crossed and don't give up hope of the possibilities. And hopefully, this new year of 2012 will be a good year for you.

Re: I'm 60 and unemployed , type 1 diabetic

Post by jimithy » Wed Jan 04, 2012 1:06 pm

We really like to hear back from people who are actively working to solve their problems. It also helps us when we are working to help someone else.

Note: We have multiple active volunteers who are 100% disabled and receiving Soc. Sec. Disability. Most people are turned down with their first application. The key is that almost everyone who is persistent and has a valid claim such as yours... eventually gets accepted by S.S. Upon acceptance you are paid at least from the date of your first application (sometimes earlier) also your Medicare waiting period starting date is based upon your S.S. Disability starting date. Finally... S.S. Disability is almost always larger than S.S Retirement income. When you hit retirement age, you will keep the higher dollar payments.

I am suspicious of insurance companies pouncing on people having hard times. Please let us do some checking before deciding how to handle hospitalization.

Good luck!

Re: I'm 60 and unemployed , type 1 diabetic

Post by strt722 » Wed Jan 04, 2012 7:27 am

Another update I know I'm boring you . Thanks for your previous posts and for reading mine . As I was saying previous, I applied for SSD and have been turned down , I'm appealing but haven't much hope they will change their ruling. The part time job I'm doing ,4 1/2 hours a day, is a lot tougher than I thought ,but I'm determined to hold on to it as long as possible. Since it's now 2012 I was wondering if maybe you folks might have some new ideas ? I know that it must be hard for the fellow with his fingers crossed to type ,so maybe he could dictate to someone else ? Love your sense of humor NoPocketCash . As stated previous what I really need the most is affordable hospitalization . I might be able to afford the prescriptions if I can't get major medical coverage. I got a call from a company called " First Preferred Insurance " can you recommend them? Thanks again for your help. Mike

Re: I'm 60 and unemployed , type 1 diabetic

Post by dlcnurse » Tue Nov 29, 2011 4:43 am

Kudos for getting a flexable job! Helping others is a very rewarding job in being able to provide some of the much needed things that they are unable to do for themselves.
You mentioned that you were needing information on insurance plans for individuals. There are several things that you need to take into consideration when obtaining individual insurance such as premiums, how much you are willing to pay for out-of-pocket expenses, copays, type of coverage, and also your COBRA plan. If you are considering the plan that you currently have under the COBRA, you do need to apply to that insurance company within 60 days of starting your COBRA benefits. Also make sure that you obtain from your employer a certificate of eligible coverage. You need this in order to confirm that your insurance plan while working covered your pre-existing conditions.
If you plan to purchase a individual insurance plan outside of the plan you currently have, you need to consider what it is that you need in insurance. What I am getting in your previous post is that you are considering a plan that covers hospital care.
Many of these plans are called Fee for Service Insurance or Indemnity Insurance. Another type is Limited Benefit Insurance Plans. And of course, the Major Medical Insurance Plans.
Before you consider what type of plan you want, doing some research on how to look for a health insurance plan is of big importance. Many people think that by going to a limited benefit plan it saves money. That isn't necessarily true.
To give you a better view of what to look for, check these sites out to help in your decisions. A great site to check is http://www.naic.org/ which gives alot of info on insurances. Another helpful site is http://www.departmentinsurance.org/ which will provide links to your individual state to see what programs are available to you. Also helpful is http://www.insureuonline.org/health_page.htm and a how-to page here: http://www.ehow.com/info_7736282_limite ... rance.html
Another great info on insurance is http://www.healthguidein15.com/?sourcec ... xover=over
Hopefully these will give you some guidance on getting insurance.

Re: I'm 60 and unemployed , type 1 diabetic

Post by strt722 » Mon Nov 28, 2011 6:22 am

Thanks NoPocketcash .

Re: I'm 60 and unemployed , type 1 diabetic

Post by NoPocketCash » Sun Nov 27, 2011 4:23 pm

strt722 wrote:Hello again , I've been reading over the material you provided and noticed you wanted updates , so here you go.I actually found a job with flexible short hours really going to be easy to do. A local food bank that serves shut ins and has a small caffeteria for underprivliged over 60 .I actually may be able to eat there myself I guess. As you can imagine no benefits, or much money ,but I want to try this, I've always wanted to do something like this , so I'm looking forward to it. I called the disability people at S.S and told them what was going on, I fiqured I might as well cancel my upcoming appointment with their mental doctor. She told me to keep it, that this wouldn't disqualify me for disability , so keep your fingers crossed for me. Also I was wondering if you had any other ideas about getting some kind of affordable health care for emergencies only, such as hospital care, forget about the drug care I will have to take shots again probably.


Thanks for the update! I'm really glad to hear about the job and also about what Social Security said, and my fingers are crossed for you on both things. (Hard to type this way! :lol:) You are obviously working hard at finding solutions and it's good to see you are finding some possibilities.

I thought of something that is kind of unusual but has worked for some people I know. I have no idea if you live in an area that has a high cost of living. Somebody I know found herself in a similar situation to what a lot of us have gone through. She lived in the MidAtlantic area that was great when she could keep up with her professional career but when she became disabled and couldn't bring in a decent income anymore she just couldn't afford it. She was lucky enough not to have too many things keeping her where she was and she researched areas that had a much lower cost of living. She found one in a part of the country she liked and actually moved there. There's not as many job opportunities and the medical care isn't as good, but housing is really cheap and because so many people have low incomes what is available costs a lot less or is free. There are a lot of community medical clinics that are sliding scale based on what you can afford to pay - which is usually free - and hospitals that are used to providing the charity or poverty care I think jimithy mentioned in his post. She says there are trade offs and it takes getting used to a different lifestyle and pace of living, but one thing she really likes is that there are so many ways she can volunteer and help other people. And she says it also helps her a lot that she has so much less stress in her life now.

If moving is appealing to you, some of the states with the highest cost of living might also be an option. New Jersey is one I know a little about. It has the 2nd highest cost of living of all the states but because of all the pharmaceutical companies located there they have some programs and resources not available elsewhere, especially once you reach 65 or if you do get on Social Security disability. NJ actually has a program called PAAD (Pharmaceutical Assistance for the Aged and Disabled) that allows income up to about $24,000 a year and provides coverage with copays of only $5 for generics and $7 for brand name medications. I think the pharmaceutical companies also offer some individual programs to NJ residents that aren't available elsewhere.

Not saying these are options for you but just putting them out here in case they spur an idea for you or somebody else who might come along and read them in the future.

I'm really happy you've found some things that can help you out....keep up the good work and my fingers will stay crossed!

NoPocketCash

This is an unconventional option and I don't know if it's something that might work for you but I figured I'd put it out here just in case.

Re: I'm 60 and unemployed , type 1 diabetic

Post by jimithy » Sun Nov 27, 2011 1:40 pm

strt722,

dlcnurse can definitely give you a better answer. I have searched for a reliable gov reference and have not found one. For one thing it is good to know how you are in relation to the "Federal Poverty Guidelines" ( http://www.uscis.gov/files/form/i-864p.pdf OR http://aspe.hhs.gov/poverty/11poverty.shtml OR http://aspe.hhs.gov/poverty/ OR many other places.)

Finding out if you meet your state's guidelines for Medicaid can be good to do. https://www.cms.gov/MedicaidEligibility/ especially https://www.cms.gov/MedicaidEligibility ... 061511.pdf

A good place to find info about the range of benefits available to you is at http://www.benefitscheckup.org/ (Soc. Sec. sends people to that site) They cover food, medical assistance, and medication assistance. ( i.e. You are probably eligible for food stamps and that frees up money for other purposes.)

AS I UNDERSTAND IT... Any hospital must give you "emergency care" for any "life threatening" condition regardless of your ability to pay. Since the hospital never expects someone in a poverty situation to ever be able to pay, they tend to write it off (other patients pay for it). If you don't want to feel like a deadbeat then the hospital often is VERY flexible as to a payment plan. A friend of mine has been paying a hospital $15 a month for the last 6 years.

dlcnurse already gave you info on Free Clinics and how to locate them. They are for "non-emergency care" for "non-life threatening" conditions.

Something I have never asked... Are you a veteran of ANY U.S. military branch? (active, reservist, National Guard, etc.) If so then posting in our Veterans subject area could get you important information. There are more services available to vets than just the VA medical system. People tend to treat poverty stricken vets differently than the other millions of good, noble people out there that happen to also be poverty stricken.

NOTE: Many income/asset measurements are based upon the previous calendar year (when you had more money). Don't despair, explain your situation and there are often waivers. Also, time flies at our age :-) . Knowing you will qualify in "X" months is good. You can set an alarm on your computer to pop up and remind you a few months in advance to apply for those benefits.

Good luck,

jimithy

Re: I'm 60 and unemployed , type 1 diabetic

Post by strt722 » Sun Nov 27, 2011 8:56 am

Hello again , I've been reading over the material you provided and noticed you wanted updates , so here you go.I actually found a job with flexible short hours really going to be easy to do. A local food bank that serves shut ins and has a small caffeteria for underprivliged over 60 .I actually may be able to eat there myself I guess. As you can imagine no benefits, or much money ,but I want to try this, I've always wanted to do something like this , so I'm looking forward to it. I called the disability people at S.S and told them what was going on, I fiqured I might as well cancel my upcoming appointment with their mental doctor. She told me to keep it, that this wouldn't disqualify me for disability , so keep your fingers crossed for me. Also I was wondering if you had any other ideas about getting some kind of affordable health care for emergencies only, such as hospital care, forget about the drug care I will have to take shots again probably.

Re: I'm 60 and unemployed , type 1 diabetic

Post by strt722 » Sat Nov 19, 2011 7:49 am

Thanks again , I will keep all this info for reference. I really am sorry to hear of the loss of your granddaughter,I have two now that aren't three years old yet ,I just can't begin to imagine your heartbreak , I don't think I could survive that.

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