Question: For someone like me who doesn’t have the option to not work full-time I am finding it impossible to receive any type of financial assistance all because the state/government says I make too much money. It’s frustrating because the way my employer distributes my sick time is at the beginning of every year and I only get so many hours. Due to me falling ill once a month my sick time is blown within the first 1-3 months within the beginning of the year and I am basically stuck with not getting paid for every time I’m out ill for the rest of the year. Sometimes I don’t even know how I’m going to survive because I’m just one missed payment away from being evicted or my car being taken away. Does anyone else have this problem? I need help…I don’t qualify for SSI or Social Security. So what else are my options?
You should look into getting a supplemental insurance. This will give you $$$ when you are sick to help cover whatever bills you still have coming in. It doesn’t go to the hospital, it goes directly to your pocket. The plan I have costs $55 a month, and I get $100 for every day that I am hospitalized and $200 for every day I’m in the ICU. In addition, even if you don’t get hospitalized, you just have to visit your doctor and have him fill out the form, and you get $50 for every day you were out sick. I learned about it from another sickle cell warrior. There are several out there, but I use Combined Insurance. There is a 6 month waiting period for pre-existing conditions (meaning you pay in but cannot have any benefits until the 6-month mark). This means that you have to pay into the plan for 6 months before they will pay any money out if you have a pre-existing condition that you have been hospitalized for in the last 180-360 days. This didn’t apply to me when I signed up because I hadn’t been sick for a month. I still have the plan, just in case, and it does come in handy. Other options are Aflac & Physician’s Mutual. I prefer Combined because 1. I had a bad experience with PM regarding the exclusion period and 2. Because they send reps to your home/work to explain the plans and options to you thoroughly before you get started.
Whichever way you choose, you are absolutely right, it can be hard to bridge the gap when you work and still have a chronic condition like sickle cell. If you have any other questions, please let me know.