Scoring High in the Health Resources Game

Last Updated: 1 Jul 2020
Views

Brenda from Pennsylvania commented in this Spring’s bp Magazine’s Mailbag, “…I’d love [bp Magazine] even more if I could read about people who are financially ruined and how they manage to get help when they neither qualify for government help nor can afford medications”.

While I don’t know Brenda’s specific situation or how things came to be, I empathize with Brenda’s concerns through my own somewhat parallel experiences.  It is and has been infuriating.

But there are a few things I’ve figured out that have helped me:

  • I got an indemnity health plan. This is not insurance. They pay $X for an issue, no more, no less.  It’s not ideal, but it does help with med co-pays, general doctor visits and emergencies.
  • Apply for the Federal Pre-Existing Condition Plan; you actually may be approved.
  • I have leaned on others for resources.  Not easy to do, but real friends can help with little stuff. My sister sends me the name-brand clothing she no longer wants.
  • I don’t spend money on anything that isn’t absolutely required.
  • I have money in annuities instead of life insurance. Talk to a financial planner.
  • I finally had high enough medical bills within a certain time frame that our state assistance program funded just those bills and gave me three months insurance.
  • See if your state has a “High Risk Pool”, programs designed to insure the uninsurable. These are state run in general, not federal.
  • Many pharmaceutical companies are helping patients get the drugs they need. Your psychiatrist can help direct you and write the Rx.
  • Hit the library.  Get on the internet. There is so much information on getting out of ruin, and getting financial help from remote resources, charities, and “angels”.

Readers, if you have more ideas and thoughts, jump into posting below!

About the author
Beth Brownsberger Mader was diagnosed in 2004, at age 38, with bipolar II disorder and C-PTSD, after living with symptoms and misdiagnoses for over 30 years. In 2007, she suffered a traumatic brain injury, compounding bipolar recovery challenges that she continues to work on today. Since these diagnoses, Beth has written extensively about bipolar, its connection to PTSD, physical illness, disability, and ways to develop coping skills and maintain hope. She also writes about bipolar/brain disorders and family, marriage, relationships, loss, and grief. Beth finds the outdoors to be her connection to her deepest healing skills, where the metaphors for life, love, compassion, and empathy are revealed, and how her bipolar and other challenges are faced head-on with perseverance and determination. Beth served as a contributing editor/featured columnist for bp Magazine from 2007 until 2016, and as a bphope blogger from 2011 until 2016. She returned to blogging for bphope in 2019. Beth continues to work on her unpublished memoir, Savender. She holds a BA from Colorado College and an MFA from the University of Denver. Beth lives in Colorado with her husband, Blake, and her service dog, Butter. Check out Beth’s blog at bessiebandaidrinkiewater.

Leave a Reply

Please do not use your full name, as it will be displayed. Your email address will not be published.

Related