Insurance

[Guest guest]

I do not know what to do. We lose our cobra insurance in a couple of weeks, and

will be left with only our state insurance. We have an opportunity through my

husbands work to get new insurance, but no home care angency's take both the new

insurance and my secondary state insurance. If I don't put him on our new

insurance then I can use our current home agency of 3 years, but it is a scary

thought to only have medicaid for him, and not two insurances for him like we

have always had. If we put him on our new insurance then it will be considered

our primary insurance and not one home care agency takes it and also our

secondary insurance so we would be forced to cover the rest.

Did all that make sense? We get IVIG every month and could never afford to pay

the rest anyway. I just do not know what to do. I am assuming that the hospitals

take both insurances, but we used to do our infusions at the hospital and it was

nightmarish! My son has a metabolic disorder also, and is nonverbal with autism,

and he refuses to eat when we go to the hospital and his blood sugar drops and

they also can never get his vein (he is a hard stick), and it takes 8 hours

compared to 1 1/2 when we do it at home. It really is very stressful for him to

not have it at home. They also will not guarentee he will get his brand of IVIG

that he needs, and he has had severe reactions to other brands, so this is not

even an option for us.

Any ideas? We have to make a decision by the end of the month. Thanks

Carie mom to Kreed 12

CVID, SCAD, hypothyroidism, epilepsy, colitis, gastritis, autism,

possible NIPBL, and mito.