Chronically Broke? Finding Your Way Back
How much does an average-sized bottle of painkillers cost? I'd guess anywhere between $7 and $10. That doesn't sound bad at all right?
You want to know what is bad? Paying over $20,000 for a 1-month supply of medication. Yes! Your eyes aren't deceiving you. Over $20K!
Being sick costs MONEY! This can be a major burden for the chronically ill. Not only do you have to come to terms with your illness but you're almost blown away by tons of medical bills. Of course, expenses vary from person to person depending on the illness, health coverage, age and other contributing factors. But I think many chronically ill people will agree with me when I say that this SUCKS!
The very second that you are discharged from the hospital it seems like everyone has their hand out. From the radiologist to the neurologist to the anesthesiologist to the ambulance, they'll find a way to charge you for simply breathing in their presence. I mean it is their profession so they deserve to be paid. It's important to remember that they are trying to help you. Even if they make you complete three different MRI scans knowing that your'e paying between $1000 and $1500 each time.
If you're thinking, "insurance should cover everything right?" That's not the case for everyone. There are just so many scenarios.
- Your insurance only covers 80% of your expenses
- You were recently released from your parents insurance plan and you haven't gotten your own yet
- Or, maybe you just never had insurance
It's a scary feeling. For me, my insurance covered most of what I required, however there were several out-of-pocket expenses for my medical supplies. What did I do? The vendor for my medication offered an assistance program for patients who were enrolled in an undergraduate or graduate program. It saved us hundreds of dollars and a lot of stress. Finally, there was a perk to being young and chronically ill (lol). A large part of my stress and my parents' stress was gone.
There are ways out of these situations. You just have to do your research. If you find yourself chronically broke, there are a few steps that you can take to find your way back.
1. SPEAK WITH YOUR DOCTOR - He/She ma be able to give you information about assistance programs
2. RESEARCH DISEASE-SPECIFIC ASSISTANCE PROGRAMS AND FOUNDATIONS
3. TAKE ADVANTAGE OF WHAT YOUR MEDICAL VENDORS HAVE TO OFFER
4. ASK FOR ADVICE BEFORE RE-ENROLLING FOR HEALTH COVERAGE - Choosing the correct health plan has a huge impact on your out-of-pocket expenses
5. REMEMBER THAT IT'S GOING TO BE OKAY!
LOOK OUT FOR MY NEXT POST!
STAY TUNED AND STAY FEARLESS