Topic: Mom laid off/No Insurance

Forum: Employment, Insurance, and Other Financial Issues — Employment, insurance, and financial concerns are common. Meet others here to discuss and for support.

Posted on: Nov 1, 2010 12:21PM

Posted on: Nov 1, 2010 12:21PM

amanet17 wrote:

Does anyone know of any programs that my mother can sign up for, she is a breast cancer survivor and was laid off from her company after she worked with them for 25 years. Cobra is almost 400 a month, she is 62.

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Nov 1, 2010 12:47PM thenewme wrote:

Hi amanet17,

So sorry about your mom being laid off!  What kind of programs are you looking for?  There are lots of resources here in this forum, but if you let us know her specific needs (medical? financial? social? housing? etc), I'll bet someone here will have some good advice!

Best of luck, and thanks for advocating for your mom!

Dx 11/2008, IDC, 5cm, Stage IIB, Grade 3, 0/9 nodes, ER-/PR-, HER2-
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Nov 1, 2010 12:58PM Mountains1day wrote:

I would be interested to know what options are out there for people w/preexisting conditions, laid off, middle aged and need insurance desperately.  Cobra is only good for 18 months if you can afford it, then what?  Most states have programs that offer coverage but, certain criteria have to met:  1. income level  2. without insurance for at least 6 months  3. Prove you've been denied coverage.  In my state of Florida, I was told, once I meet this criteria, a policy will cost me over $1,000 per month!  We are told not to have a lapse in coverage and on the other hand, we must be without coverage for 6 months, what gives?  Not great options, thanks to federal/state government, I can not afford and may have to do without cancer treatment.  Medicare is over a decade away for me and I'm not trusting this current administrations health care reform as it has done nothing for people like me thus far.   

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Nov 1, 2010 01:14PM - edited Nov 1, 2010 01:15PM by sheila888

This Post was deleted by sheila888.
Sheila♥ Dx 4/8/2005, IDC, Right, 1cm, Stage IA, Grade 2, 0/1 nodes, ER+/PR+, HER2+ Dx 8/21/2015, IDC, Left, 1cm, Stage IIB, Grade 2, 1/3 nodes, ER+/PR+, HER2- Surgery 10/13/2015 Mastectomy: Left; Prophylactic mastectomy: Right Dx 11/2018, IDC, Stage IV, metastasized to bone/liver/lungs, Grade 2, ER+/PR+, HER2-
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Nov 1, 2010 01:20PM lago wrote:

It is cheaper for her to go on cobra even at $400. When our cobra runs out the high rise pool in our state is going to cost us $700 a month per person! Also contact the American Cancer Society. They have social workers there that can help her with options.

So frustrating to think that in just 3 years she would be on medicare.

DONE!! goo.gl/IoaN6U • Tattoos 2.7.2012 • Nipples 10.6.2011 • Exchange 6.24.2011 • Chemo 1.18. 2011 • BMX 8.31.2010 Dx 7/13/2010, IDC, 5cm, Stage IIB, Grade 3, 0/14 nodes, ER+/PR+, HER2-
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Nov 1, 2010 01:22PM lago wrote:

Mountains1day Call up and talk to someone. I know we did and found out that you don't have to be off insurance for 6 months before you can join these pools. I think that's for people who already have no insurance. You will have to prove you were rejected by an insurance carrier though. Don't wait on this. It can day months for processing.
DONE!! goo.gl/IoaN6U • Tattoos 2.7.2012 • Nipples 10.6.2011 • Exchange 6.24.2011 • Chemo 1.18. 2011 • BMX 8.31.2010 Dx 7/13/2010, IDC, 5cm, Stage IIB, Grade 3, 0/14 nodes, ER+/PR+, HER2-
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Nov 1, 2010 02:37PM dlb823 wrote:

amanet, you or your Mother may want to check with this program:

http://www.cdc.gov/cancer/nbccedp/

I know they pay for breast cancer screening -- not sure what else -- but they probably know the ins & outs of getting coverage and/or treatment without adequate coverage in your state.    Deanna

Deanna "The soul would have no rainbow if the eyes had no tears" Native American proverb Dx 2/1/2008, 1cm, Stage IIA, Grade 3, 1/16 nodes, ER+/PR+, HER2- Dx 1/3/2014, Stage IV
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Nov 2, 2010 05:28PM Mountains1day wrote:

Thank you lago for your reply.  I may be able to get insurance w/my husbands employer but they will charge over $1,000 just for me.  If they won't cover my pre-existing, and I qualify for the state pools, they will charge over $1,000 as well.  How do people afford this!

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Nov 3, 2010 09:56AM Shrek4 wrote:

I think it depends on the state. I was on Cobra (BCBS) for quite a while before I got diagnosed, and with a low income, the $400+ a month was a hassle, then I realized I couldnt' pay that AND the co-pay. Oklahoma has a special program for women on low income with breast cancer, the only qualification besides the breast cancer is the low income. It's a type of Medicare. I agree with the other ladies, try and call the American Cancer society. They are really good in finding options for you.

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