This is a discussion on There is a REAL GOOD chance my head is about to spin!! within the Health Insurance forums, part of the Insurance and Travel Forums category; I just got the lovely notice in the mail that my health insurance premium is going from $742 a month, ...
There is a REAL GOOD chance my head is about to spin!! I just got the lovely notice in the mail that my health insurance premium is going from $742 a month, to $980 a month... lovely. I don't think this rise in premium has anything to do with my claims, I'm pretty sure it is across the board rate increase. Ughh, I don't want to be a grown-up anymore.... can I regress? It's gonna be one of those days, so sick and tired of being sick and tired and broke! Blah
31 years old- 1/06- In wreck with 18 wheeler at 25 years old; 6/06- Head on collision on Interstate, both wrecks other drivers fault. Numerous MRI's, PT, chiropractic, acupuncture, TENS therapy, massage therapy, facet injections, epidural injections, Nerve study, Discogram, confirms pain in L4/5, IDET, decompression, Bi-lateral neurotomy L3/4/5, denied by insurance twice, in Active L clinical trial, had surgery March 17, 2009 in Miami, FL- received Active L disc at 29 years old. Pain and medication free as of October 2010!Mommy to Emma- 8 years, Ava- 6 years & had baby Eli after ADR, via c-section on March 25, 2011, completely pain free still!
One more thing, if my disability gets approved, I will get medicare, since my disability has been for more than 2 years. I don't think I will drop my private insurance, as I don't trust medicare to really take care of me without hassles and long waits. Plus, a lot of doctors don't take it and I don't want to not be able to see the doctors that I want to see. I will probably just use it as a secondary to help pay my deductible and out of pocket... if that is even possible.
31 years old- 1/06- In wreck with 18 wheeler at 25 years old; 6/06- Head on collision on Interstate, both wrecks other drivers fault. Numerous MRI's, PT, chiropractic, acupuncture, TENS therapy, massage therapy, facet injections, epidural injections, Nerve study, Discogram, confirms pain in L4/5, IDET, decompression, Bi-lateral neurotomy L3/4/5, denied by insurance twice, in Active L clinical trial, had surgery March 17, 2009 in Miami, FL- received Active L disc at 29 years old. Pain and medication free as of October 2010!Mommy to Emma- 8 years, Ava- 6 years & had baby Eli after ADR, via c-section on March 25, 2011
Kathy, that is quite an increase. I'm sorry to read this. Just an FYI: I know you know this and just used the wrong term...you will be eligible for Medicaid, not Medicare.
Good luck with everything.
Justin Averna
Founder & President, Spine Patient Society™
www.SpinePatientSociety.org
A 501(c)(3) Tax-Exempt Nonprofit & Charitable Organization
I'm here to help.
- 1994: Football Injury, Severe Hyperextension
- 1997: Snow Skiing Injury
- 3/7/1997: Laminotomy L4/L5
- 1999 & 2003: Motor Vehicle Accidents (not at fault both times) --> Grade V Annular Tears L4/L5 & L5/L6
- 11/15/2003: 2-Level ProDisc® L4/L5 & L5/L6*, *lumbosacral transitional vertebra --> Dr. Rudolf Bertagnoli
- 4/2008: 4.5 years pain-free before "new" leg pain
- 5/14/2009: Dynamic Stabilization System L4/L5, Dr. Rudolf Bertagnoli
Questions? Suggestions? Need help with registering, creating a signature, etc.?
justin (at) spinepatientsociety.org
Disclosure: I have no financial relationships with any surgeons, spine clinics, device manufacturers, pharmaceutical companies, hospitals, etc. -- the SPS Board of Directors serve without compensation.
That's what I thought; but it says on social security that it's medicare. I can also apply for medicaid; but it is income based.Originally Posted by Justin
Kathy, that is quite an increase. I'm sorry to read this. Just an FYI: I know you know this and just used the wrong term...you will be eligible for Medicaid, not Medicare.
Good luck with everything.
31 years old- 1/06- In wreck with 18 wheeler at 25 years old; 6/06- Head on collision on Interstate, both wrecks other drivers fault. Numerous MRI's, PT, chiropractic, acupuncture, TENS therapy, massage therapy, facet injections, epidural injections, Nerve study, Discogram, confirms pain in L4/5, IDET, decompression, Bi-lateral neurotomy L3/4/5, denied by insurance twice, in Active L clinical trial, had surgery March 17, 2009 in Miami, FL- received Active L disc at 29 years old. Pain and medication free as of October 2010!Mommy to Emma- 8 years, Ava- 6 years & had baby Eli after ADR, via c-section on March 25, 2011
Sadly this is the time of year when health insurers decided to increase their rates and have plan renewals.
I'm afraid to see what our insurance will go up to. Especially since we have out of network benefits
Disc Bulge C4/C5, Disc Degeneration T11/T12, Bi-Lateral tears L5/S1, Diagnosed w/ Lumbar Disc Derangement w/ Radiculopaphy. Treatment: IDET, Percutaneous Discectomy, SI Joint Injection, Facet Block. All failed. Empire BC/BS Denied Coverage for ADR-lost all of my appeals. MVP also denied coverage.
Anterior/Posterior Fusion L5/S1 -1/20/09 - I'm not 100% but I'll take the 85%! When the weather co-operates, it's 95% woohoo!
You can have supplemental insurance to medicare and that is not quite as expensive. They just chance your policy around and charge less.
Nov 07: Fusion (Stalif) S1/L5, ADR L4/5 (Activ-L)for strong back and leg pain (Zeegers, Germany).
Nov 09: 2 level cervical ADR Prodisc-C (Nova) C4/5/6 to stop progression of cervical myleopathy. (Bertagnoli, Germany).
Kathy--it is Medicare. I was having a brain toot that day.Those that are disabled before 65 are eligible for Medicare.
Fuzzy, this is a very good point.
Justin Averna
Founder & President, Spine Patient Society™
www.SpinePatientSociety.org
A 501(c)(3) Tax-Exempt Nonprofit & Charitable Organization
I'm here to help.
- 1994: Football Injury, Severe Hyperextension
- 1997: Snow Skiing Injury
- 3/7/1997: Laminotomy L4/L5
- 1999 & 2003: Motor Vehicle Accidents (not at fault both times) --> Grade V Annular Tears L4/L5 & L5/L6
- 11/15/2003: 2-Level ProDisc® L4/L5 & L5/L6*, *lumbosacral transitional vertebra --> Dr. Rudolf Bertagnoli
- 4/2008: 4.5 years pain-free before "new" leg pain
- 5/14/2009: Dynamic Stabilization System L4/L5, Dr. Rudolf Bertagnoli
Questions? Suggestions? Need help with registering, creating a signature, etc.?
justin (at) spinepatientsociety.org
Disclosure: I have no financial relationships with any surgeons, spine clinics, device manufacturers, pharmaceutical companies, hospitals, etc. -- the SPS Board of Directors serve without compensation.
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