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What do ya do when your insurance cap is reached?? HELP What is this ?

 
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LadyHawk57
New User


Joined: 15 Mar 2008
Posts: 8
Location: Massachusetts
PostPosted: Mon Jul 14, 2008 4:21 pm    Post subject: What do ya do when your insurance cap is reached?? HELP Reply with quote
Looking for any information on what to do once your insurance company sends a registered letter stating you are $40,000 from your life time limit. My sister lives in NY state and has been fighting cancer since 1994. She just received the above letter. Her husband is with the Teamsters Union which I "thought" would have a HUGE lifetime limit. She received this letter and we thought we had time to research alternatives for medical assistance. But, over the weekend she had a "mini-stroke" and busted her foot and needs testing done to see what had happened to her. This testing will probably eat up the remaining $40,000. Any ideas on what our next move should be?? Any information will be greatly appreciated. She is ready to go for a divorce so her husband don't get stuck with her bills. Sucks that life here is the US in 2008 has to come to this. You would think they could find a cure. But, then what would they do with all the cancer centers???? How much money would they lose?????????..............Thanks!! LadyHawk57
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brainman
Site Admin


Joined: 13 Oct 2005
Posts: 3748
Location: Tennessee
PostPosted: Wed Jul 16, 2008 6:33 pm    Post subject: Re: What do ya do when your insurance cap is reached?? HELP Reply with quote
LadyHawk57, I am truly sorry about your sister's problems in getting adequate insurance. It really is a shame that one of the most advanced countries in the world is way down on the list of countries in terms of health care provided to its citizens. I wish I had an answer for her.
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Jim
Site Administrator and long-term cancer survivor
1992 Astrocytoma grade 2, left motor strip
2005 Recurrence this time said to be an Oligodendoglioma grade 3, same location.
My Story Part 1: http://cancerforums.net/viewtopic.php?p=7350
My Story Part 2: http://cancerforums.net/viewtopic.php?t=8029
Blog http://jimhawkinsport.blogspot.com/
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Barbara K
Regular


Joined: 11 Apr 2007
Posts: 33
PostPosted: Mon Jul 21, 2008 10:02 pm    Post subject: Re: What do ya do when your insurance cap is reached?? HELP Reply with quote
There is a special Medical Assistance Program for Breast & Cervical Cancer for patients in New York.
Check this link. If your insurance will no longer provide coverage for you, you may be eligible to receive coverage under this program.

Here is the link that explains the program and how to apply for it.
http://www.health.state.ny.us/nysdoh/bcctp/bcctp.htm
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LadyHawk57
New User


Joined: 15 Mar 2008
Posts: 8
Location: Massachusetts
PostPosted: Wed Jul 23, 2008 7:41 am    Post subject: What do ya do when your insurance cap is reached?? HELP Reply with quote
Jim,
I would like to thank you for the reply and the information. My thoughts and prayers are with you. I hope you are doing well.

Barbara,
I would like to thank you for the information. I printed it out. I will be going to NY for a few days next week to assist both my Mom and my Sister with things needing to get done. I will give her the information. Thanks again.

Thank you both for your replys. God bless.
LadyHawk
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idobelieveinfairies
Regular


Joined: 27 Feb 2008
Posts: 39
Location: Charlotte, North Carolina
PostPosted: Wed Jul 23, 2008 8:29 am    Post subject: Re: What do ya do when your insurance cap is reached?? HELP Reply with quote
Contact Social Servies. What about medicade or medicare. Contact the American Cancer Society. What kind of cancer does she have? With that information I can help you more. Also tell your husband not to sign anything at the hospital. Tell him to tell them the Hill Burton Foundation will take care of the bills. Also contact your Patient Advocacy Program. They will find the help she needs. Another good place to go for help.
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brainman
Site Admin


Joined: 13 Oct 2005
Posts: 3748
Location: Tennessee
PostPosted: Wed Jul 23, 2008 6:13 pm    Post subject: Re: What do ya do when your insurance cap is reached?? HELP Reply with quote
A lot of Cancers do qualify a person for disability. The amount is based on the person's previous income but it does include Medicare coverage. Medicare does not kick in from the beginning... I think it takes 12 months... but it certainly is something to look into.
_________________
Jim
Site Administrator and long-term cancer survivor
1992 Astrocytoma grade 2, left motor strip
2005 Recurrence this time said to be an Oligodendoglioma grade 3, same location.
My Story Part 1: http://cancerforums.net/viewtopic.php?p=7350
My Story Part 2: http://cancerforums.net/viewtopic.php?t=8029
Blog http://jimhawkinsport.blogspot.com/
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