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        New Message Board Archives >> 2005 Cluster Headache Specific Posts >> Lost and don't know where to go next.
        
(Message started by: Kim Y. on Jul 21^st, 2005, 1:53pm)

Title: Lost and don't know where to go next.
Post by Kim Y. on Jul 21^st, 2005, 1:53pm

Just found out that my insurance doesn't cover any of this since Nov. of this year. I am up a creek without a paddle. I am working on getting a hold of VA to see if they can help. Lord if it isn't one its another. The CH, Going to school to better myself and not able to work as much, and now the bills that must be pain. :'(Losing my mind ready to flip the F*** out. >:(Please excuse my harshness with words just really pissed off right now. Almost so pissed that I could cry. What did I do to deserve this.

Ok pitty party over sorry to burden you all just needed to vent bad. :-[ :'(

Take care and PF wishes.......Kim

Title: Re: Lost and don't know where to go next.
Post by vig on Jul 21^st, 2005, 1:59pm

let it all out...
it'll make you feel better.
You have good things going on, just keep on going...
[smiley=hug.gif]

Title: Re: Lost and don't know where to go next.
Post by Kim Y. on Jul 21^st, 2005, 2:18pm

Thanks Paul :'(
I won't give up school not even for the beast. Just trying to figure out how ouch how ooooooooo I Ah mmmmmmmmm gonna do it . Gotta run ouch. Stress is bad...

Title: Re: Lost and don't know where to go next.
Post by thomas on Jul 21^st, 2005, 2:54pm

Keep driving on with the airborne mission, the rest of the shit will just have to wait until you are ready to deal with it.

Title: Re: Lost and don't know where to go next.
Post by E-Double on Jul 21^st, 2005, 2:57pm

Right with ya love....that 5% has me a bit down too......

Go look in the mirror and within and kick ass in life!!!

TAKE NO PRISONERS!!!!!

We are strong because we have to be and because we deserve the best!!!!

Hugs,

E

Title: Re: Lost and don't know where to go next.
Post by Lizzie2 on Jul 21^st, 2005, 4:40pm

Hiya Kim,

Last summer...shortly after I started nursing school and switched insurance co's (moment of temporary insanity), my entire world came crashing down. They wouldn't cover O2, and I got bills for $800 in just 2 months. They didn't cover at least 4 of my medications.

The folks at Jefferson Headache Center were just annoyed by my questions and pleas for help and most just wrote me off.....said they wouldn't do anything.

The pharmacy ripped me off for over $400 which I still haven't gotten back due to their billing error.

In fact, nobody would help. I was not only trying to get through the early phases of nursing school, getting clusters all over the day and night about 6 or so times a day, and was playing ping pong ball between the headache center, the insurance company, and the pharmacy. Each of those 3 kept putting it off on the other one.

And in the end, I was sick as a dog, hysterical, and without a leg to stand on.

BUT----------------things got better! (well....better is a relative term haha) I got through nursing school and got them all to listen to me. I also signed consents for my parents to speak to the headache center and insurance companies......I couldn't do those battles myself - I was falling into my own grave rather quickly! My parents finally picked up because I just couldn't...

Sooooooooooo have faith and take it one issue at a time. It's not easy, but you have to do it to save your own sanity!!

Many hugz,
Carrie :)

Title: Re: Lost and don't know where to go next.
Post by Kim Y. on Jul 21^st, 2005, 5:13pm

Quote:

BUT----------------things got better! (well....better is a relative term haha) I got through nursing school and got them all to listen to me. I also signed consents for my parents to speak to the headache center and insurance companies......I couldn't do those battles myself - I was falling into my own grave rather quickly! My parents finally picked up because I just couldn't...

Sooooooooooo have faith and take it one issue at a time. It's not easy, but you have to do it to save your own sanity

This always adds stress to the relationship and I feel so very bad because now bills are stacking up. I feel guilty no matter what my husband says. I feel like I am a burden if it weren't for me life would be better. Damn head.

I will be ok I know and will have faith God takes care of a lot of things.

I am just flustered and my mind is off in a million directions and not where it should be which is school work. Need to get it there. :-/ :'(

Thanks all...

Title: Re: Lost and don't know where to go next.
Post by Leggs on Jul 21^st, 2005, 5:17pm

Just keep plugging along Kim. The insurance mess stinks. I had to pay my copay up front for my MRI's yesterday.

CH just really seems to suck the life out of you, and the next best thing to do that is messing with money issues. Throw yourself into those books, and know you are preparing for a very in demand job.

Try to round up all your bills, and arrange payments. Tell them the situation, and see if they will work with you. Some will, some are bu## heads. Pay off the ones that work with you FIRST! I wrote all my doctor bill places a letter saying I was out of commission, my husband was out of work, and that I was unable to pay more than a certain amount until our tax refund came in. They can't squeeze blood out of a turnip, so don't get intimidated by them!

If you think there is a credit issue, keep up with your credit score. Even if you are turned over to collection, it's not truly important to banks. You can make comments on your credit, about the circumstances. It's not like you were getting a tummy tuck and a face lift, it was medically necessary to make you a functioning person, and the way we feel, to make sure you didn't have a brain tumor! Tell them CH is cheaper than brain surgery!

Keep your chin up, one day soon it will just be a memory. ;;D

Title: Re: Lost and don't know where to go next.
Post by Kim Y. on Jul 22^nd, 2005, 7:53am

:-/It is just to Damn early in school to have this come up. UhhhG. The hubby is stressing I think. Mentioned going back into the Army just to get out of debt. I hate for that to happen I like my hubby home. Plus I hate the constant moving. Stress is kicking my Ars....and I can't get it to go away. I guess I just wish that I didn't have to deal with this now. Unfortunatly that isn't going to happen. Thanks,

Kim

Title: Re: Lost and don't know where to go next.
Post by lionsound on Jul 22^nd, 2005, 11:13am

Kim,

I have fought tooth and nail with my insurance company at times and that alone can make you flip out, without CH.

you deserve good care and you may have to fight to get it.

At one point I was consumed with dealing with my ins company..don't let then get to you. Here are a few things I found helpful. UNless there is a specific deadline for something..set aside a specific time and day to deal with them and medical bills. I had to limit my exposure to once a week for my sanity. (They never seem in a hurry do they?) Your time is just as valuable as theirs. Go there in person to plead your case if you can. They told me not to and I went anyway. Makes a big difference when they are staring you in the face.

My insurance told me after the fact that I wasn't covered for a neuro and I fought it for a year and finally got it taken care of.

And even more important..keep venting!!!!
hugs!
-Rori

Title: Re: Lost and don't know where to go next.
Post by Kim Y. on Jul 22^nd, 2005, 1:22pm

Thanks for the advise Rori I will look into what I can do.

Title: Re: Lost and don't know where to go next.
Post by Kim Y. on Jul 22^nd, 2005, 6:06pm

Boy last night I tell my husband the news and all the places we owe money to and I just don't think he was truely listening. Today I tell him what I thought he was aware of from last night and I made him loose his appitite. He is angry and I can't help but know that I am the cause. :'( He is now looking at what I was looking at all along and stressing about since yesturday. :'(..................................................................................................................

Title: Re: Lost and don't know where to go next.
Post by millie the episodic on Jul 22^nd, 2005, 8:08pm

Kim you said,
"I will be ok I know and will have faith God takes care of a lot of things."

I say, "God takes care of all things."
You can't let this thing beat you. Stop worrying about the bills and worry about getting better (out of the cycle). Everything else will work out. Your health and sanity is more important.
Let things go for a couple of days and stop bringing up the bills to your husband. He already knows, and there is no reason to make things worse. Remember he is concerned about you too. And to him the bills don't mean sh**.
Let go and let God!! ;;D
You have enough to deal with, with the beast don't you?

Title: Re: Lost and don't know where to go next.
Post by Leggs on Jul 22^nd, 2005, 9:50pm

I have this real estate agent who always puts up the best bulletin boards. Just last week, when I was freaking about cancelled appointments, idiot doctors, and the fact I had to pay my entire co pay upfront for 2 MRI, oh, and lets not forget, the husband got a night shift job HOURS before I had to go to an MRI, and I almost had to cancel because the kids could not sit through 1.5 hours alone....

Anyway, the billboard was SO appropriate..."God's timing is always right." Sit back and have faith. Just prioritize with the bills, add things up, and anything that is non medical, but keeping a roof over your head, takes priority.

Hugs, and pain free days... Love, T.Ann

Title: Re: Lost and don't know where to go next.
Post by Kim Y. on Jul 23^rd, 2005, 1:17am

All have a good point Millie and T.Ann. :-[

Truely am thankful you all let me vent I got a little weak and lost. Putting my faith back to the man upstairs.

Noggin starten need to let my brain rest.

PF wishes and thanks .........Kim

Title: Re: Lost and don't know where to go next.
Post by Lizzie2 on Jul 23^rd, 2005, 2:04am

Going off of what Rori said, one day I was quite stressed, and paid a little visit to the blue cross/blue shield building in Philadelphia to pick up some reimbursement forms! That was after Eckerd screwed me out of over $400 just for 18 pills of Amerge.

Here's where I went:

http://tinyurl.com/d8otz

Only went to the first floor, and I didn't realize until I got home that I was given the wrong form, but heck...at least I got to see the place up close and personal! It was only about 9 blocks from where I was living!

You can do it, Kim!! We all have faith in you!!!

Title: Re: Lost and don't know where to go next.
Post by Kim Y. on Jul 23^rd, 2005, 9:27am

Quote:

I have fought tooth and nail with my insurance company at times and that alone can make you flip out, without CH.

Unfortunatly my insurance doesn't take preexisting condition >6 mo. of getting the job. :-/ They won't cover anything to do with CH till after one year of working there. :o Will try to appeal but that probably will take forever. Looking for an exception since I have never used my insurance for anything else and I paid all that money in I should be able to use it right. I strived to get a job quick after school so that If the HA continued I could be covered and now look where I stand. ::)

Well it is 8:30 am and I have a test to study for before work at 2-10 both today and tomorrow so better get at it.

Thanks guys for the vote of confidence..

Title: Re: Lost and don't know where to go next.
Post by millie the episodic on Jul 23^rd, 2005, 12:45pm

Love God!!! ;;D
Take Life 1 day at a time. :D
Take care of yourself. ;)
Take care of your family. ;)
Deal with the headaches as they come. :'(
Do the best you can at work. :-[
Deal with the bills as they come (using common sense) [smiley=huh.gif]
Pray for a better doctor, and a cure. ::)
Pray for a better tommorrow.
My motto is "I have to go through, to get to!!"

Wishing Us all PF days!!!!!!!!!

Title: Re: Lost and don't know where to go next.
Post by Kim Y. on Jul 24^th, 2005, 9:21am

Ok all I am doing fine. Studying my B-U-T-T off for the test tomorrow otherwise I am managing. I can't take all the worry. I know God has been waiting for me to just say that. Today I am contributing and pullinga 12hr shift at work 10-10p and will take the trusty note cards with me and study while I have spare moments. If I don't feel confident well then I will just come home and study for even longer before going to sleep.

Can't wait till the first test is over.

You all have been wonderful in my stressed out state and truly I appreciate it.

I wish all of you PF days and nights.....Kim

Title: Re: Lost and don't know where to go next.
Post by Lizzie2 on Jul 24^th, 2005, 5:33pm

Kim...

Don't burn yourself out on studying too much. It only adds to the frustration!! Take frequent breaks and try (as well as one can with CH) to get enough sleep!

Chances are...you know more than you think. :)

Now...if I can just follow that advice when preparing for boards tomorrow! :-/

Love and hugz,
Lizzie :)

Title: Re: Lost and don't know where to go next.
Post by Kim Y. on Jul 25^th, 2005, 6:48am

Good luck with the boards Lizzie2. You are going to do great. You have been in school a whole year and do know more then you think. I am saying a prayer for you right now.

Here goes the test for me. I will see if working a 12er yesturday helped or hurt me. It will let me know one thing whether I can work much with school or not(only working the weekends as is).

Well need to get busy studying I gave myself 15 min to eat breakfast and a cup of coffee before I start studying. I have 2 hours.

Take care all...PF wishes...Kim