Is My Insurance Limited On How Much They Can Do?

Dear Tina, Insurance can only get us the monetary support we needed but i know you need more than that. Thus i am going to pray for your health as well as the strength to endure what you're going through. My uncle is diabetic too and actually the rest of my father's siblings are. It's hereditary but it's something that i don't want to inherit from them. I wish that i won't have it all so i'm being careful. Hope my prayer would help you somehow. Be strong have faith. Leave it all to God, He knows what's best.

I would keep a log of all they have you do, dates, who you talk to, etc. Just incase. I had a situation with my insurance where my nurse intern wasn't getting info to the insurance co. by the date they required it and I almost lost my benefits because of her. Chest pains are scarey. I left work one day in an ambulance with the symptoms of a heart attack. Found out I had pluerisy which can be very painful.

First of all, you need to know your insurance. If you know what is in the policy, a lot of the times you can fight the denials and you will find that you get less denials. I have to deal with all of that kind of thing with my son. I used to have to spend hours on the phone, but most of it ended in my favor. I hope things start looking up for you. Keep on them and don't let up.

Check with your insurance about whether or not it will cover the new wound clinic. Also ask if there is a way you can get case management. Case management is good because they can negotiate fees and advocate for you.

I really don't understand why insurance companies have to have all these STUPID rules about pre-existing conditions. If someone is sick and needs care, they should get the care that they need and worry about how it will be paid for later! There has to be a better way to do things than the way it is done in America! I think I got lucky when I got back here. My brother had talked to doctors at the university hospital before I got here and they said that care would be given one way or the other. In fact, they allowed me to stay in the hospital for longer than was medically necessary because I didn't have anywhere to go until my brother had made arrangements to get me into this motel. I was approved for medicaid starting in February so my care is being taken care of by the state now, but when I was in the hospital in January things were up in the air. I was told recently that I was approved for January, but never got anything in writing on that so I don't know whether to believe it or not. It is really enough to make me want to move permanently to a different country where they have socialized medicine. It may not be an ideal situation, but it has to be better than what we have here (unless you are lucky enough to be able to afford medical insurance).

Hi Tina, Sorry I'm late answering this one... I just saw it. I think we get what we pay for. I'm on Medicare, so mine doesn't pay a lot. I mean it pays for everything I have gone for, but it only pays the percent that it does.. and I get bills for the rest of the amount owed. I can't afford to buy more insurance, but I should probably look into it... but everything would be pre-existing, as you say... like arthritis, metabolic syndrome, breathing problems.. you name it.. I've had it before... so I'm not sure if it would pay or not to buy more insurance.

Yes...and you get by with a little help from your friends....so count me in! I'll also send up a prayer that you find solutions!

You should know by now that insurances or Insurance Companies are also businesses, these are not charity institutions and they won't really be that big if they're there for free. They can't cover pre-existing conditions because they know that these types of conditions would require higher coverage because of the conditions that follow them (like the wounds that you have stated). This is actually one of my fields and this is the main reason why people should buy insurances before they have conditions. No insurance company would ever cover anyone who already is sick - that is for sure. So, for those who are interested to get one, I think it would be best if you don't have a condition yet. As for where you are going from there, perhaps you could get those discount cards for meds and look for organizations with similar interests perhaps they know of places that you could get these services at a cheaper rate. You could also try learning how to take care of your wounds (like how to clean them properly and keep from having them by minding your feet and legs more attention). I know it's difficult, I too am diabetic. But since I have controlled diabetes, I don't have much problem about it. I have bought monitors and am very determined to document everything and treat myself (with doctor's guidance of course) so that I wouldn't have too much costs. I guess in this world, we can't really expect companies or other people to take care of us. We just need to know more and keep ourselves healthy. Being a diabetic doesn't stop you from being healthy, do monitor yourself as well you'll see that you'd feel better and there would be less problems. God be with you always and you take care of yourself. Have a great MyLot experience!

What about checking into getting some supplemental health insurance? I'm not sure how that works as far as existing conditions but I would think it wouldn't matter or you'd have to wait 6 months or so for the insurance to 'kick in'. 6 months or so isn't a lot of time and will go by fast and would help you a huge way in paying those darned expensive doctor bills. It's worth a try anyways.

hi tina oh my G How old are you, are youo on Social Security as I got on social security and lucked out with my gap insurance Secure Horizons when they suggested I fit in the older poor people and enrolled me in Evercare which has the best insurance coverage I have had. they pay for all my testing supplies and hospitalization , doctors even specialists visits cost me nothing., I do have to pay 150 dollars per ambulance trip but ny hospitalization at Care House rehab hospital was covered for 20 days. Do call Secure Horizons a nd find out abut EverCare as it might help you, I am sending a ton of prayers for God to make your leg wound a lot better and three hugs from me, a fellow diabetic Hatley.

For me yes it is the insurance it defends on the value of money you get.

Hi Tina! I would call your insurance and find out what your coverage is also ask for the nurse case manager who is assigned to your insurance, if the case is that you are limited. It is heart breaking to hear about limitations and or non-coverage. Right now I feel semi-blessed as I do not have major illnesses and I do not have any insurance coverage. I do let things linger on as I can't afford out of pocket to see anyone. In your case I think it is worth finding out if you have some case manager who can further get additional care at a different clinic which would be at lower cost and or withing the insurance range.