Medical Assistance has saved me!

I just wanted to share some good news with you.

My medical coverage has always been really good up until about 2 1/2 years ago when I started a new job. I didn’t realize the health insurance benefits were going to be a challenge especially with Jaclyn’s MRI’s every 6 months, specialist appointments, and unexpected ER visits. I loved my new job but had no idea the medical bills were going to set us back thousands of dollars. The high deductibles were very unexpected and we were slowly falling deeper into debt.

After 2 years of never ‘getting ahead’, my friend suggested that I apply for medical assistance. I thought, “no way will we qualify as both me and my husband have full time jobs and already have insurance.” Well, I applied and got accepted! This secondary insurance (Keystone Mercy) will pay for most of whatever my primary insurance(United Healthcare) doesn’t…such as the high deductibles! It was alot of phone calls and paperwork to submit but I got it done! The patient has to either be disabled or diagnosed with a ‘life threatening’ disease. The process only took about three weeks to hear back and I was so excited to find that I am finally getting some financial help with the medical bills. The irony here is that I applied for this medical assistance on Nov 5th and Jaclyn was in the ER Nov 8th,9th,14th, & 15th! Even though the coverage ‘start date’ wasn’t until Jan 15th, they made it retroactive back to the date of application. I honestly felt like I hit the lottery!

Thanks for reading!

OMGosh, thats great. Good for you.

God bless your friend for that idea and all those at the insurance company who made it retroactive…Who would have thunk it possible ? Miracles come in many forms. You did good for Jaclyn as usual. Enjoy the blessing and perhaps breath a bit easier now ? Be good to you. Take care of you. You are all in my prayers.

i am glad you have found help…i understand how far you get in debt from all this…my avm operation cost me $300,00 as i had no cover…my husband and i along with my parents have had to re morgage our homes…to pay the bills…and a great community raised me $70,000…it’s going to take a long time to pay off …but in the end it’s only money and as they all say i am still here…happy to hear you have recieved something…unlike the australian government who refuses to help me… God bless you all

Oh I am sooo excited for you and your family! this is wonderful new and you will not ahve to worry about the financial part of dealing with an avm. We actually had insurance when we first found out about my avm but they dropped me and we ended up owing 370,000 all together from just about 6 months…but that also included the first surgery. Thankfully my husband and I had just gotten married and we were both still in school so we qualified for financial assistance and they paid for about 80% of it. We were so thankful! And I can imagine how thankful you and your family must be!!!

What wonderful news! God bless your friend for suggesting this, Kim!

I am SO glad that you got this assistance and you really HAVE won a victory in this and good for you for getting all the paperwork done.
These medical bill stories are crazy and as Lianne said, it is very hard to imagine having this stress along with everything else. So unfair. AND I just don’t get how an insurance company can “drop you” Brittany. If you have the problem while you are insured, how can they not cover it??? Isn’t that WHY you have the insurance in the first place? I just do not get your American health care system.

Wow! What great news. I know that we had to “cut a deal” because we had to go out of state for my surgery. It opened up a whole new can of worms that wouldn’t be covered and we had to do a lot of leg work to get things covered. My husband now works for a new Co. and we now have high premiums/deductables etc -ouch . As my husband and I say–I’m worth millions, literally!!! I am glad you shared your info-- it may just come in handy for many of us who also have United HC!!!