Long Term effects from treatment left me with increasing medical expenses, but also left me disabled enough so I can't make enough to pay them. What can I do?

Because of long term side effects from treatment, seizures, and severe hearing loss, I am disabled enough that I can't find work where I could pay for the ever increasing medical expenses. I don't know what to do.

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Expert Answers

PatientAdvocateFoundation (Organization (Verified) ) - 07 / 26 / 2012

Are you disabled enough where you should consider applying for Social Security Disability (www.ssa.gov)? You would then be eligible for a monthly benefit and Medicare after 2 years and/or Medicaid if your income was low enough. This determination would be one you would have to have support from your treating doctors and show your side effects are severe enough and will exceed 12 months or more.

The economy has made finding employment a challenge for most and coupled with your need for stellar medical coverage I am sure is narrowing your search further. Typically speaking, the larger the company you work for the more balanced your medical cost tends to be, however this is not a concrete statement. We have noticed over the past several years that the cost of premiums have shifted to the "employee" themselves and benefits begain to narrow to keep the premiums affordable. We classify this population as underinsured. You may find interest in viewing our publication, The National Underinsured Reource Directory available in print form athttp://www.patientadvocate.org/pdf/1070208NUiRD.PDF. We offer some tips that you may find beneficial.

There are provisions coming with the Affordable Care Act, if you uninsured now you should look at the PCIP plans (www.pcip.gov) for coverage for medical cost. Also your state maybe one that increases their Medicaid up to 133% of Federal Povery Level. Also in 2014 exchanges will enter the market as well as affordability measures that will hopefully provide the support you need. I realize this is not immediate but if you would like to learn more you can visit www.insureUStoday.org or www.healthcare.gov.
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