Guest guest Posted February 6, 2006 Report Share Posted February 6, 2006 Hi there friends, Wow this has been a really horrible day. Well, actually it didn't get really bad until about 4pm. I went to get my diabetes supplies (I haven't been having to pay anything for them. Medicare was taking care of all of it.) Well, they wanted to charge me $75. They said that now Medicare is making all have a deductable of I think she said $150. Well, I am now having a $263 spend down on Medicaid, because my husband got a job for two days a week at minimum wage. This really sucks, because I have a Psychiatrist appointment on Wednesday. I don't know how I will pay for that appointment and buy food at the same time. I know I need to trust God to take care of me and to work it all out, but right now I can't help the tears that are rolling down my face. It just seems like too much for me. I want to eat and I want to eat a lot!!!!!!!!!! I'm in charge of the bills. My husband wouldn't be able to do it. So it all falls on me and it is so stressful. I also feel like throwing up. I think it is because I am so upset. Sorry, I just needed a way to let some of this out. Maybe writing on here will keep me from over eating. I hope so. I just don't understand why this is all happening to me all at once. I'm not good at money. I shouldn't have gotten my nails done. I put them on the Penneys card, but eventually I will have to pay for them. I won't be able to keep them though. I can't afford $20 every two weeks. That is how much they are charging to have them filled at JC Penney's. So I am going to lose out on the one thing that I get for myself. Oh well, I have to put first things first. Doctors and food come first. I just don't know which is more important food or going to the doctor. If I don't go to my doctors then I won't be able to get my meds. If I don't get my meds I will end up back in a psychiatric unit of the hospital. But on the other hand it really is important to feed my husband and myself. Got to have food to live, right? Well, please keep me in your prayers. It will all work out. I need to trust that Jesus will take care of me, no matter what the world throws at me. 340/300.8/299 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 6, 2006 Report Share Posted February 6, 2006 , You sound like you are getting medicaid based on income? In my state there is also medicaid based on disability. In fact, there are alot of different types of medicaid. You might be eligible for a different type, without a spend-down. I would suggest you contact the case worker, and check if there would be any other category you might be eligible for. Medicaid disability might cover you based on being 'obese' (sorry, I hate that word!!!) and the problems that go along with it, like the diabetes, or based on psychiatric disability. (It sounds like you have a psychiatric diagnosis, and have been inpatient before?) Another option is to ask for samples or coupons from your doctor for medications. Another option is to check the medication websites for coupons. I have to pull these tricks to afford my medications, as I am bipolar. I just got a free month's worth of trileptal off the trileptal.com website. Back in August I got coupons from my doctor for my trileptal and abilify. If possible, I ask the doctor to write the script for bigger tablets that I can break in half to get my dose. Did you know they generally charge you by the tablet, not the strength? A 600mg trileptal costs about the same as a 300mg trileptal. I get 30 600mg tablets a month, instead of 60 300mg tablets. Then I break them in half, and I save half the money. I hope these are some ideas to help you. -mamabear Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 6, 2006 Report Share Posted February 6, 2006 , I would LOVE to help put you on a budget....you will be surprised at how well it works once you get the hang of it.....but you would have to be willing to STICK to it!!! Do you use coupons? Nails are doable, maybe you can stretch it into every THREE weeks? Start saving ALL your change....DO NOT SPEND ANY SILVER....you will be surprised at how quickly it adds up.....we NEVER spend our silver and it doesn't feel like we are 'saving' but when we count it (every month or so) we usually have over 100.00 in change!!!!!!!!!!! AMAZING!!!!! If you would like, I would love to help you set up a budget.....email me off list and I will see what I can do... DO NOT EAT!! IT IS NOT WORTH IT!!! YOU ARE ALMOST UNDER THAT DARN 300 MARK!!!! YOU CAN DO THIS!!! FOOD IS NOT WHAT YOU NEED....THE BIBLE IS!!!!!!! Blessings!Kathey Need to vent... Hi there friends, Wow this has been a really horrible day. Well, actually it didn't get really bad until about 4pm. I went to get my diabetes supplies (I haven't been having to pay anything for them. Medicare was taking care of all of it.) Well, they wanted to charge me $75. They said that now Medicare is making all have a deductable of I think she said $150. Well, I am now having a $263 spend down on Medicaid, because my husband got a job for two days a week at minimum wage. This really sucks, because I have a Psychiatrist appointment on Wednesday. I don't know how I will pay for that appointment and buy food at the same time. I know I need to trust God to take care of me and to work it all out, but right now I can't help the tears that are rolling down my face. It just seems like too much for me. I want to eat and I want to eat a lot!!!!!!!!!! I'm in charge of the bills. My husband wouldn't be able to do it. So it all falls on me and it is so stressful. I also feel like throwing up. I think it is because I am so upset. Sorry, I just needed a way to let some of this out. Maybe writing on here will keep me from over eating. I hope so. I just don't understand why this is all happening to me all at once. I'm not good at money. I shouldn't have gotten my nails done. I put them on the Penneys card, but eventually I will have to pay for them. I won't be able to keep them though. I can't afford $20 every two weeks. That is how much they are charging to have them filled at JC Penney's. So I am going to lose out on the one thing that I get for myself. Oh well, I have to put first things first. Doctors and food come first. I just don't know which is more important food or going to the doctor. If I don't go to my doctors then I won't be able to get my meds. If I don't get my meds I will end up back in a psychiatric unit of the hospital. But on the other hand it really is important to feed my husband and myself. Got to have food to live, right? Well, please keep me in your prayers. It will all work out. I need to trust that Jesus will take care of me, no matter what the world throws at me. 340/300.8/299 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 6, 2006 Report Share Posted February 6, 2006 , If you have medicare and Medicaid there is new drug coverage out called medicare part d. You can contact the social security office about it. Since you also have medicaid the premiums will probably be paid for by the state and the state may also cover your deductible. All you will probably have to pay is a co-pay of 2.00 for generic drugs and a co-pay of 5.00 for brand name drugs. We just got signed up and coverage started the first of the month after you apply. So if you sign up now you could have coverage as soon as March 1st. Check into this as fast as you can as it can be such a big help. Call 1-800-633-4227 and ask for info for applying for Medicare part d and you want to see if medicaid will pay it for you. It is a toll free call so even the call wont cost you anything. Be prepared to be on hold for as long and 30 to 40 minutes when you call so be sure you have a lot of free time where you dont have to jump and run to do something. Sometimes that place can be very slow like most places when you call. Make sure Medicaid will pay the premium or else the monthly premiums will be about 36.00.Please do it as soon as you can. If you qualify and it sounds like you do you medicine shouldnt be much of a worry for you anymore. Even if you have 5 different medicines you could get off as cheap as 10.00 for the bunch.the sooner you check into the faster you can get your coverage. It don't hurt to at least ask about it. It sounds like you will qualify to me. ~:~The Personal Touch~:~Tags, Stats, or anything else personalized with your name.Everything here is personalized!http://free.hostdepartment.com/t/thepersonaltouchMy Personal Web Site Need to vent... Hi there friends, Wow this has been a really horrible day. Well, actually it didn't get really bad until about 4pm. I went to get my diabetes supplies (I haven't been having to pay anything for them. Medicare was taking care of all of it.) Well, they wanted to charge me $75. They said that now Medicare is making all have a deductable of I think she said $150. Well, I am now having a $263 spend down on Medicaid, because my husband got a job for two days a week at minimum wage. This really sucks, because I have a Psychiatrist appointment on Wednesday. I don't know how I will pay for that appointment and buy food at the same time. I know I need to trust God to take care of me and to work it all out, but right now I can't help the tears that are rolling down my face. It just seems like too much for me. I want to eat and I want to eat a lot!!!!!!!!!! I'm in charge of the bills. My husband wouldn't be able to do it. So it all falls on me and it is so stressful. I also feel like throwing up. I think it is because I am so upset. Sorry, I just needed a way to let some of this out. Maybe writing on here will keep me from over eating. I hope so. I just don't understand why this is all happening to me all at once. I'm not good at money. I shouldn't have gotten my nails done. I put them on the Penneys card, but eventually I will have to pay for them. I won't be able to keep them though. I can't afford $20 every two weeks. That is how much they are charging to have them filled at JC Penney's. So I am going to lose out on the one thing that I get for myself. Oh well, I have to put first things first. Doctors and food come first. I just don't know which is more important food or going to the doctor. If I don't go to my doctors then I won't be able to get my meds. If I don't get my meds I will end up back in a psychiatric unit of the hospital. But on the other hand it really is important to feed my husband and myself. Got to have food to live, right? Well, please keep me in your prayers. It will all work out. I need to trust that Jesus will take care of me, no matter what the world throws at me. 340/300.8/299 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 7, 2006 Report Share Posted February 7, 2006 Hey laura what about those ads you see on tv that if you are on medicare your supplies are covered. Try calling that number. My mom gets her supplies threw there and they charge your medicare account. Try and call a soc sec advisor OR your medicare advisor and know all of your benefits do to you. Do you get any disability OR assistances. Sometimes you can get extra to help with medical expenses. Finances are a very hard thing for everyone in usa now. Price of gas. Price at the grocery. Price to just survive. Dont forget it is better to vent than eat. NH... Mom to Abby Liz 10/94 Anne 7/99 Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 7, 2006 Report Share Posted February 7, 2006 , I am on Disability, and so is my husband, but now he is working a couple of days a week. They still go by how much you make total. Even without him working those two days we would still be on a spend down, which I think is stupid. The governor of our state has put the amount you can make too low. So no matter what we do we would still be having trouble. This governor has really messed things up for people like me. We thought we would try to get ahead a little by my husband working for two days, but it isn't helping. In fact it might be making things worse. Isn't it terrible when you go to work and your worse off then if you didn't work at all? I thought about trying to go to work myself. I have a really hard time dealing with stress, so what ever job I got would have to mostly be stress free. I don't know if there is such a job out there. I would have to make enough money to pay for going to see my, and my husband's, doctors and pay for our meds. So I would have to work full time. I haven't worked in a long time Can you go from not working at all to working a full time job and be able to stick with it? As far as my meds go, I don't have to worry much about them, because I have that Medicare Perscription Drug coverage and only have to pay around $3 for each medicine. My diabetic supplies isn't covered on that though and usually my Medicare takes care of that, but not now. On a positive note, I didn't over eat last night. So that is a good thing. My mother is taking me out to eat for lunch. I think I can make a good choice when we go out to eat. Thank you for writing me back. I appreciate your advice. 340/300.8/299 RE: Need to vent...,You sound like you are getting medicaid based on income? In my state there is also medicaid based on disability. In fact, there are alot of different types of medicaid. You might be eligible for a different type, without a spend-down. I would suggest you contact the case worker, and check if there would be any other category you might be eligible for. Medicaid disability might cover you based on being 'obese' (sorry, I hate that word!!!) and the problems that go along with it, like the diabetes, or based on psychiatric disability. (It sounds like you have a psychiatric diagnosis, and have been inpatient before?)Another option is to ask for samples or coupons from your doctor for medications. Another option is to check the medication websites for coupons. I have to pull these tricks to afford my medications, as I am bipolar. I just got a free month's worth of trileptal off the trileptalcom website. Back in August I got coupons from my doctor for my trileptal and abilify. If possible, I ask the doctor to write the script for bigger tablets that I can break in half to get my dose. Did you know they generally charge you by the tablet, not the strength? A 600mg trileptal costs about the same as a 300mg trileptal. I get 30 600mg tablets a month, instead of 60 300mg tablets. Then I break them in half, and I save half the money.I hope these are some ideas to help you.-mamabear100-Plus Files page 100-plus/files100-Plus Links page 100-plus/links Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 7, 2006 Report Share Posted February 7, 2006 Kathey, I wrote you off list. Let me know if you get it okay? Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 7, 2006 Report Share Posted February 7, 2006 , There are organizations that will give you plenty of food. It will take time to go to these places, stand in line and fill out forms but you will be able to have food on your table. If I had the extra cash then I would send you some. Doing your medical stuff is extremely important!! What city do you live in? Perhaps I can help you find the food for yourself and your husband? Off the top of my head there is Second Harvest Food Bank and The Salvation Army. Blessings, www.geocities.com/remaking_me <memyselves@...> wrote: Hi there friends, Wow this has been a really horrible day. Well, actually it didn't get really bad until about 4pm. I went to get my diabetes supplies (I haven't been having to pay anything for them. Medicare was taking care of all of it.) Well, they wanted to charge me $75. They said that now Medicare is making all have a deductable of I think she said $150. Well, I am now having a $263 spend down on Medicaid, because my husband got a job for two days a week at minimum wage. This really sucks, because I have a Psychiatrist appointment on Wednesday. I don't know how I will pay for that appointment and buy food at the same time. I know I need to trust God to take care of me and to work it all out, but right now I can't help the tears that are rolling down my face. It just seems like too much for me. I want to eat and I want to eat a lot!!!!!!!!!! I'm in charge of the bills. My husband wouldn't be able to do it. So it all falls on me and it is so stressful. I also feel like throwing up. I think it is because I am so upset. Sorry, I just needed a way to let some of this out. Maybe writing on here will keep me from over eating. I hope so. I just don't understand why this is all happening to me all at once. I'm not good at money. I shouldn't have gotten my nails done. I put them on the Penneys card, but eventually I will have to pay for them. I won't be able to keep them though. I can't afford $20 every two weeks. That is how much they are charging to have them filled at JC Penney's. So I am going to lose out on the one thing that I get for myself. Oh well, I have to put first things first. Doctors and food come first. I just don't know which is more important food or going to the doctor. If I don't go to my doctors then I won't be able to get my meds. If I don't get my meds I will end up back in a psychiatric unit of the hospital. But on the other hand it really is important to feed my husband and myself. Got to have food to live, right? Well, please keep me in your prayers. It will all work out. I need to trust that Jesus will take care of me, no matter what the world throws at me. 340/300.8/299 Brings words and photos together (easily) with PhotoMail - it's free and works with . Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 7, 2006 Report Share Posted February 7, 2006 > In fact it might be making things worse. Isn't it terrible when you go to work and your worse off then if you didn't work at all? Oh, I know it well. Back when my son was 5 years old I went back to work part time, and just that small bit of money I made put us into the next tax bracket so for the first time we had to pay income taxes. Between having to buy new clothes, after-school child care for just a few hours a week, and the extra taxes, we *lost* money with me working. That was the main reason why my husband decided it would be best for me to just stay home. Now that the kid is in college, what he's eligible for in financial aid is dependant on our income. 2 years ago he got $2000 grant money from the state because our income was beneath a certain point. Because my husband worked some mandatory overtime, that little bit of income put the family income over the cut-off point for the grant, so this year he had to get a larger student loan. Thank goodness his full tuition is covered by his scholarships and the loans are only for books and other expenses! > I thought about trying to go to work myself. We talk about it now and then but decided as long as the kid is dependant on us financially while he goes to college it's best I don't. After he graduates or gets a job and moves out, then we'll talk about it again. > so what ever job I got would have to mostly be stress free. I don't know if there is such a job out there. None in the *world* that I know of. >I haven't worked in a long time. Can you go from not working at all to working a full time job and be able to stick with it? Many women have done it after the death of a husband or divorce, so it *is* possible. >On a positive note, I didn't over eat last night. So that is a good thing. Sure is. There's a saying in Overeaters Anonymous literature I read that goes " Don't eat, no matter what. " Food won't solve your problems caused by lack of money but can only add to them, so stay away from it. Of course, it's easier said than done, especially if you don't have other forms of stress relief already in place. >My mother is taking me out to eat for lunch. Have fun! I have nobody around to buy me lunches. Sue in NJ Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 7, 2006 Report Share Posted February 7, 2006 Haven't gotten anything yet but will keep my eyes open....my email has been funky lately...like this one that you wrote at 7:51 came in my inbox at 3 something CA time?????? Kathey Re: Need to vent... Kathey, I wrote you off list. Let me know if you get it okay? Quote Link to comment Share on other sites More sharing options...
Guest guest Posted February 8, 2006 Report Share Posted February 8, 2006 My mother-in-law told me about that commercial. I haven't seen it. You don't by any chance have the number do you? If not if you see it again can you write the number down for me? I would really appreciate it. 340/300.8/299 Re: Need to vent...Hey laura what about those ads you see on tv that if you are on medicare your supplies are covered. Try calling that number. My mom gets her supplies threw there and they charge your medicare account. Try and call a soc sec advisor OR your medicare advisor and know all of your benefits do to you. Do you get any disability OR assistances. Sometimes you can get extra to help with medical expenses. Finances are a very hard thing for everyone in usa now. Price of gas. Price at the grocery. Price to just survive. Dont forget it is better to vent than eat. NH... Mom to Abby Liz 10/94 Anne 7/99 Quote Link to comment Share on other sites More sharing options...
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