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Really needing to vent and get some advice ...please

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Crohn's Disease
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Posted 3/15/2009 1:02 AM (GMT 0)
Hey yall' - to make a long story short - I interviewed for a new job a few months ago ; I asked 2 phone interviewers one big question "what kind of insurance will there be ? " I was told by both ...its bcbs really great ! 90/10 + a deductable ... but also the company gives us a HSA to pick up our expenses ..so its really good! "

This is what I was told ; why not believe it right ? I also have it writing ; in the employment manual they sent ... I took the job ; DREAM job ...working from home ...a $4 hour increase ...and great insurance...what more could i want ?

But 2 months after I started when we finally got our ins. cards ( oh and my lapse period had passed without any lapse ) I find out that it is not what they said ...it is NOTHING but catastrophic coverage with a $3000 deductible ...oh and yes, with a HSA ...how kind of them ...

Im sooooo angry ! Because I cannot afford the tests and meds that are necessary ...they tried to comfort me by saying just submit your receipts we will reimburse you ( um as long as it is not over 250$ a month ) I don't have the money to lay out for the tests, dr appts, and meds ... I just don't have it ...$4 increase or not...it is still week to week survival !

So I have not had a blood test in over 4 months ( very serious when my lipase levels has been over 700 at times in the last 1/2 year ) with the crohns I am not on any meds now... I barely have pain meds left...have used everything i have in my closet ! But ...now ...for about the last 3 weeks my feet , ankles and even sometimes my legs are so swollen ..especially the top of my feet...they are painful to touch and to walk ... the swelling is not going away ...

Yes, I have gained weight since working home too....but cmon there are plenty of overweight people who dont have balloon feet right ? It can't be because of my weight can it ?
Oh ...I finally called my GP because I am getting really concerned after 3 weeks and I feel like I cannot move because of the pain ... so when they finally called me back at (how convenient ) 5pm - to say the doc said to go to the ER ? Huh ?? I was like...go to the ER ? really ?

Well, I have not gone ...remember I have a 3000 deductible !
besides ...is this really an emergency ? If he thought it was why didn't he get on the phone with me to tell me why !!! ? I am sooo angry !!!!

I can't help but feel it is because of my insurance situation and he not wanting to deal with me w/out insurance...up until this I have loved this guy !


I really need your advice ? What should I do? Has anyone else had swelling like this ? Do you know what it could mean ?

Thanks !
Posted 3/15/2009 1:12 AM (GMT 0)
That is Crazy!! Know any lawyers you can just quiz about that? Can you ask "up the ladder" from how ever hired you and lied so blatantly? Water helps my swelling extremities. And when I feel well enough I swim or run in water to keep blood flowing. Just sitting around a lot will make my feet swell, so I try to move regularly even on bad days. Hope you feel better soon.
Posted 3/15/2009 7:37 AM (GMT 0)
What state do you live in? Sounds like you need a lawyer...
Posted 3/15/2009 11:15 AM (GMT 0)
Actually I did ask a lawyer friend who doesn't practice any more ; he said I definitely have a case ....BUT at what cost .. he said they will for sure find a why to fire me with some kind of reason .... so I will be out of a job ; and unless i build up medical bills in hopes I can get it recouped ...then what would I expect to get out of a law suit ? THat is why I have NOT built up medical bills ; so afraid of having that over my head too ...

I know he has me thinking ...he said to be really sure and then he can hook me up with a lawyer who will handle it ... but I don't know ...obviously I need a job ... I am looking but that doesn't mean anything ya know...

Oh and i live in Florida ....

Thanks
Posted 3/15/2009 11:50 AM (GMT 0)
If you are sitting at home in your work it can cause your swelling issues you posted. I am on a diuretic for swelling problems even tho mine are not caused from sitting. Try to get in to your PCP he can give you some Lasix and its fairly cheap. Susie
Posted 3/15/2009 12:33 PM (GMT 0)
that is really sad, I hope you find something affordable..at least you have a job where you can be at home. That is at least the bright side.
Posted 3/15/2009 10:56 PM (GMT 0)
aoccc ....

the grass is really always greener on the other side ..so it seems

I thought this was the greatest thing that could ever happen ..maybe if it wern't for this insurance issue I might feel differentlly ...but let me tell you I work harder now that I ever did ...I am the one carrying the whole load unlike the office setting where you have coworkers who help each other out ...it is so very different

the amount of work involved causes me to work um....10-12 hours a day - at least ! and at least some time on the weekend if I want to be caught up before monday starts all over again ...

it has not been fun ..and of course not feeling good has not helped ..I feel worse then I have in so long and can't get things taken care of ...

thanks everyone ...

Oh...I said I live in Florida but the company is in another state
Posted 3/15/2009 11:35 PM (GMT 0)
Do you pay 90/10 of the catastrophe insurance? If so, I'm afraid they may not have lied. A lot of people without chronic conditions would consider this "good" insurance since they are only paying 10% and for catastrophic insurance, $3,000 is a low deductible. I have seen them as high as $25,000 believe it or not. The place I am going to be working offers three plans - one is a PPO, one is an HMO, and the other is this HSA with catastrophe insurance thing. It is offered through blue cross and is considered "a plan." How they can call it that is really beyond me. However, there was a certain amount of routine stuff covered too like regular check ups and blood work and stuff. You might want to look into the fine print of your plan.

Next, I would try to find out what counts as being covered. Is it just after you meet your $3,000 everything is covered? If so, that wouldn't be that bad. It would suck to pay it all at once but it really only works out to $250 a month which is cheaper than most health care plans. Or is it that it won't cover anything pre-existing and no prescriptions, etc.

Sorry you ended up in this situation.
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